23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all 3 Credit Reporting Agencies via USPS on several occasions asking them to provide me with the " ORIGINAL '' signed documents sent to them by the original creditor/furnisher for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX # XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX {$8600.00} Under Federal law the Fair Credit Reporting Act ( FCRA ) requires the Credit Reporting Agencies ( CRA ) keep the " ORIGINAL '' signed documents submitted by credit reporting agencies/furnishers on file. Under Federal law FCRA Section # 609 also requires CRA to verify " ORIGINAL '' signed documents to validate the validity of the account before they report in to the consumers credit report. Section # 610 of the FCRA requires the CRA provide the consumer with the " ORIGINAL '' signed documents submitted by the credit reporting agencies if it is requested in writing, within 30 days of the written request. I have been requesting the above mentioned documents since XXXX 2017 and have yet to receive ANYTHING from the Credit Reporting Agencies. I am once again asking Experian to provide me with the " ORIGINAL '' signed documents submitted to them by XXXX XXXX XXXX in the amount of {$8600.00}. If the Credit Reporting Agencies can not provide me with the " ORIGINAL '' signed documents I demand that they delete/remove this account from my credit report. If this account is not removed my credit report within the allowed 30 day period my next course of action will be to hire an attorney and file a law suit. Any attempt to collect this debt without validating it violates the Fair Debt Collection Practices Act ( FDCPA ). The law is very clear to the civil liability and the remedy available to me for the " negligent non-compliance '' ( Section # 617 ) if the Credit Reporting Agencies fail to  comply within the laws.
Product: Credit reporting or other personal consumer reports

Dear disclosure XXXX or to whom it may concern, I'm expressing my exclusive equity and exclusive jurisprudence Under Gods Law, enforced by The Law of the Land, as well as invoking my XXXX XXXX interest, so unless you are looking to be held fiscally liable in your personal commercially liable capacity, confirm my card, account, credit line etc will be established and operational within XXXX hrs thank you Public Servants. 

Inaccurate and unverified accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX5 usc 1681 ( b ) congressional findings and statement of purpose states that if there is not an open account that is furnished on ya credit report concerning inquiries it must be removed immediately ... if would be creditor confirms that I have an open account with them Im requesting the creditor and reporting agency to send me documentation that those third party creditors used to verify i have an account with them. 

XXXX XXXX acting on behalf of XXXX illegally purachsed my personal information to collection a debt when no business was conducted. 

Remove all FOLLOWING INQUIRES if creditor can not verify I have an open account with them including : -NOTICE OF ACCEPTANCE -VERIFICATION OF DEBTS -NOTICE and DEMAND FOR FULL DISCLOSURE -COMMERCIAL LIABILITY and INTENT TO XXXX NOTICE. I have reason to believe that you unlawfully obtained my personal identification information. Without my prior consent, which, you have used to create this tradeline on my credit report. let me explain, if you have used my XXXXame and any other personal identifiable information such as : a social security card, driver license, or my address. Without a signed agreement between me and your agency. That expresses mutual assent from both parties. Then you are facing some serious penalties under the UNITED STATES CODE. Pursuant 18 USC 1028A Aggravated identity theft. ( See United States *. ***, 737 F.3d 129, 134 ) " Pursuant to 18 U.S.C . 1028A ( a ) ( 1 ), a person is guilty of aggravated identity theft if, in relation to any crime listed in 1028A ( c ), he " knowingly... uses, without lawful authority, a means of identification of another person. '' The statute defines the term " means of identification ''. To mean " any name or number that may is used alone, or in conjunction with any other information. To identify a specific individual, including any name, social security number, [ or ] date of birth. '' Meaning if you used 2 separate forms of identification without my consent. Then you committed aggravated identity theft under 18 USC 1028A. If you delete this tradeline then i will drop my claim.
Product: Student loan

On XX/XX/XXXX, I logged into my student loan account with aidvantage and submitted a payment for the entire balance of the loan ( {$5500.00} ) using information directly from a check to ensure routing information was correct. This payment was submitted as an electronic bank transfer. I received a confirmation email from aidvantage on XX/XX/XXXX that my payment was posted on XX/XX/XXXX. The next communication from aidvantage on XX/XX/XXXX stating that I missed my first payment due on XX/XX/XXXX. Aidvantage then added {$22.00} in interest to my account. I was never notified that my first payment was not processed through aidvantage. I then resubmitted my payment to aidvantage on XX/XX/XXXX. This payment was for {$5500.00}. I received an email from aidvantage on XX/XX/XXXX confirming my payment. I checked my account on XX/XX/XXXX, and my payment was being processed. There were no signs of issues with my payment and it showed XXXX balance. On XX/XX/XXXX I review my bank statement and found that aidvantage never took money from my bank account. I checked my aidvantage account and my payment was reversed on XX/XX/XXXX as dated by aidvantage without notice. This could not have happened on XX/XX/XXXX, as I checked my account on the XXXX and my payment was still being processed. I called the phone number listed on the payment confirmation which is listed as the support phone number. I was put on hold for multiple hours, at which time I never was able to talked to a representative and was unable to remain on hold any longer. I am now mailing a check on XX/XX/XXXX for the original balance owed of {$5500.00} to aidvantage with a letter explaining how I never missed a payment and was not notified of any issues with my electronic payments. I was wrongly charged interest on my account and I am no longer willing to pay it. I do not want this to hurt my credit as I made every attempt make my payment in full well before the payment was due. I informed aidvantage in my letter that I filed a complaint with the CFPB.
Product: Checking or savings account

On XX/XX/year> TD Bank left me a message to call them asap as they believe there was fraud being perpetrated on my bank account. When I spoke to the lady, she asked me if I had my cards on my person and I said yes then she asked me to verify some transactions. I think it was about XXXX of which about XXXX were mine and XXXX were fraud. I had asked her who the vendors were As I was going to call them and ask them to refund the money it was XXXX XXXX in XXXX and I am in XXXX. XX/XX/XXXX I went into my bank account and just about died. A lot of my money had been transferred to XXXX XXXX XXXX and another bank called XXXX. They spent the money in stores in XXXX. I would never send all that money to those apps. I never have. I dont even know the people that they were sending it to. They just put any name. I went into the bank to write a dispute. The lady writing the dispute ran the last XXXX months of my bank statements. I saw so much fraud it was unbelievable. The representative told me that I could write disputes for up to a certain Amount of time. I did. They were all denied, XXXX the one that she had called me on earlier that morning. The reason for the denial was the same on most of them and that was that I had authorised the transactions, And these transactions were consistent with my spending patterns previous history. The only ones I included that I had authorized were for medicine that I had bought that was money back guaranteed. I became so XXXX XXXX XXXX XXXX, my doctor said throw it out immediately and call whoever and tell them that it made you sick and I did. I wanted my money back For this XXXX XXXX XXXX XXXX XXXX, but they had XXXX excuse in the book not to reimburse me. There were XXXX different medications and some gladly reimbursed me. I disputed the ones that hadnt. I do not order online much at all. Before disputing some of them, I called the companies to see if I could get the money back and there were fraud warnings all over the place on some of them. I guess the bank did not research these Companies. I wanted to write a second dispute and include my police report and explanations however they submitted them for a second time without even telling me. They were just denied again. I am out approximately {$3700.00}. I want my money back. I did not make these purchases or give my money away. 
PS. They gave me a new debit card and it happened again approximately XXXX weeks later.
Product: Credit reporting or other personal consumer reports

I have made several attempts to inform the company that the account they are continuously reporting has been opened fraudulently submitted documents and information verifying that the account has been opened fraudulently made several attempts to dispute the accuracy of the information which they claim has been verified by a company that I have myself disputed which is XXXX XXXX that they allowed someone to fraudulently open a account without proof of my identity and allowed them to open a account with a limit of {$100.00} and allowing the account to be charged {$1000.00} and seen the fraudulent activity and closed the account in less than 30 days of opening this fraudulent account
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested from Equifax documents and proof that they did an investigation. I have requested 3 times and they have not done a proper investigation and just sent me a generic letter stating that they verified infomation that they are reporting on my credit file. they are not abiding by the laws set forth by the government. There is another person with the same name that as myself and I feel that they are reporting things to my credit that they have not done an investigation to ensure that they are reporting proper information. I requested copies of the infomation in which they are reporting and they have not sent me. 

I sent them via notorized and certified copies of my drivers license, social security card and the request for written proof that this is in fact my debt and they have not supplied this information nor have they removed it from my credit report.
Product: Money transfer, virtual currency, or money service

Hi, My name is XXXX XXXX and i have been a BofA customer since XXXX and am a XXXX customer for the bank.. 



Complaint details : Last week i had put some furniture for sale and a person texted and called me showing interest to buy the furniture. The customer ( XXXX XXXX ) sent me a Cashiers Check for an amount of {$1700.00} ( {$500.00} for XXXX and {$1200.00} for transportation ). 



i deposited the check on XX/XX/XXXX and BofA took 1 day to verify and credit {$1700.00} into my account and i was asked by customer to transfer {$1200.00} to the transporting company once the check gets credited using XXXX another service provided by the Bank. 



Same day based on a call with the customer i got suspicious and asked the bank to stop the transaction of {$1200.00} ( on XXXX ) to this transportation company as it was still in processing and the movers never delivered the service as agreed. 



Late friday night ( XXXX ) i saw that {$1700.00} was being debited from my account by BofA saying that the Cashier 's check was fake. 







Issues : As a customer i trusted bank for XXXX of its services. first Cashiers Check and XXXX to do online transactions and Bank is refusing to block the {$1700.00} debit or {$1200.00} XXXX transfer. and as a customer i was cheated by a scamster. With BofA not taking responsibility and have stringent process in place it is helping scamsters to cheat lots of customers. 



Appreciate DOB helping me and other such customers from getting cheated and making Bank liable for giving scamsters loop holes that they can cheat customers. 



i have called and spoken to multiple support people from the bank and they are refusing to help. 



Thanks XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my Experian, XXXX and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX  XXXX - XX/XX/year> XXXX. XXXX XXXX  XXXX - XX/XX/year> XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX - XX/XX/year> XXXX XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX - XXXX XXXX, XXXX  XXXX. XXXX XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX XXXX XXXX XX/XX/year> XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX  - XX/XX/year> XXXX. XXXX XXXX XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX, XXXX - XX/XX/year> XXXX. XXXX - XX/XX/year> XXXX. XXXX - XX/XX/year> XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX - XX/XX/year> 2024
Product: Checking or savings account

After Ive made a check deposit of my XXXX insurance  funds about a small accident I got, they blocked my account since XX/XX/XXXX, telling my account was blocked about the check was under my last name and my account is under my middle name just, because Ive opened online and their system meet up with! 
After Id realize my account was locked, Ive been XXXX  times in XXXX diferente branches, all managers refuses to help and provide any info, even my balance their are letting me in the dark maybe just because Im an iXXXX XXXXXXXX and not a XXXX! Threat me like a trash by phone I tried to call for a specialized department and they send an email for I can provide my form of ID and all email I got from Citi telling my account will be closed and Ill receive my money by mail check within XXXX  days built Im not sure about Im been XXXX  XXXX XXXX XXXX for late payment and losing my XXXX XXXX XXXX and my XXXX XXXX about same, payment, while the Citi bank keeping more than XXXX dollars of my property, using my money to make profit to them! Please help me, Im almost XXXX, sheriff is about to show up with XXXX XXXX
Product: Debt collection

On XX/XX/2018 I received a call from this company. The representative stated their name, I have since forgotten the name. They hung up before stating any information regarding the call - simply their name and they hung up. 

I subsequently called back to see who was calling me. It is rare for me to get a random number calling. I got the same person, and said you just hung up on me - what were you calling about? She then asked who I was. I told her that I just received a call from her number, and the person identified themselves with her name. I'm not sure if the call is for me or not, but I was trying to find out. She said that until I was ready to identify myself on the phone she couldn't help me, and hung up. 
I called again, and asked for a manager. The person that I spoke with this time said that someone could call me back. I stated that I could hold. She said that they don't transfer calls there. So I explained that I am trying to understand the nature of the call that I am receiving. By this point, I had at least been able to XXXX the company to know that they are in fact at least a company with a website, but nothing that I have any knowledge of business with. I gave her the phone number that they called, and the representative confirmed that they were in fact calling for me. I identified that I am in fact the correct party and how can I help them? She then says she can't tell me why she is calling unless I provide my address and date of birth. WHY would ANYONE ever give an unknown person at an unknown company their address and date of birth when they have no knowledge of who they are or why they are calling??? I replied that she does not need that information and again asked how I could help. She refused to speak with me, and I requested no further calls from them as they refuse to state the purpose of their call. 
Upon arriving home I had a letter in the mail from Gold Key Credit. The letter informed me to the purpose of their call. My concern is that due to the extremely unprofessional manner in which they handle themselves, I instructed them to never call me again. A balance could of ended up reported to my credit, simply because the employees are to inept to identify the purpose of their call prior to asking for key personal identification information that most people will not provide without any knowledge of why they are providing such information. Since their managers don't take calls, this is the only avenue remaining for me to voice my concern.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requesting written instructions and power of authority and/or power of attorney to destroy the credit score/history reputation without consent and without the due process of law. 
( 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1692d ( 1 ), 15 USC 1681 ( a ) ( 1 ), 5th Amendment, 18 U.S. Code 242, and 18 U.S. Code 112 ) You also violated 42 U.S. Code 408 ( 8 ), 42 U.S. Code 3617, 18 U.S. Code 1038, 18 USC 1342 ( for assuming the strawman name is the living man ), and 18 U.S. Code 1962 [ RICO ] ( 1028 )
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number:XXXXXXXX Account Name : XXXX Account NumberXXXX Account Name XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXXXXXX XXXX  Account NumberXXXX Account Name XXXX XXXXXXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

CFPB Complaint I have been dealing with identity theft for quite some time. Government agencies are helping me and I also have a case with XXXX XXXX XXXX. Case # XXXX. This was due to a Data Breach by XXXX XXXX XXXX XXXX. This has been Extensive Identity theft, which requires several hours daily. You have fraudulent Credit Inquiries on my Credit Report. I contacted you Company several months ago, and it was to be removed. As of this date, your fraudulent inquiries remain on my Credit Report. I have filed disputes, and done everything in a proper manner to have these removed. You are in violation of FCRA, and Im asking once again to have your fraudulent inquiries immediately removed from my Credit Report. And please send me verification that this is complete. I do not have the time to involve other government agencies. Please immediately remove all inquiries on my Credit Report from your Company. I have never applied for Credit from your Company nor authorized anyone to do so, Email : XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX Georgia XXXX l
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XXXX
Product: Vehicle loan or lease

On or about XX/XX/2019 I submitted an application to Toyota Motor Credit to take over the lease of my cousins car. She had a XXXX and could XXXX  XXXX  XXXX. I was doing her family a big favor. My credit history, per all three bureaus is outstandingXXXX score. 
By the beginning of XXXX when I had not heard from them I started calling. I called repeatedly, dozens of times and could get no response. 
A letter was finally sent to me dated XXXX XXXX and first received in XXXX stating I was rejected for credit. 
The only explanation was - Income insufficient for amount and term of credit requested. 
This is not true. The amount was {$320.00} for 16 months, and well within what I could afford. ( per all the Credit bureaus ) I have been attempting since XXXX to get a more detailed reason for the denial. All I hear is " We are looking into this '' I believe per regulations at the least they have to tell me which credit bureau they used and the credit score they used. 
My credit history is unblemished and this is totally unfair. 
The customer service Resolution department has to communicate with their customers fairly and within a reasonable time frame. 
Stonewalling customers is I suspect totally out of compliance with regulations. 
I am entitled know the facts why I was rejected. 
I have moved from the address on the application Former address- XXXX XXXX  XXXX XXXX, XXXX, XXXX  NY XXXX New address - XXXX XXXX XXXX, XXXX NY XXXX