23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

NOTICE OF DISCRIMINATION AND Default and opportunity to cure YOU HAVE FAILED TO DO YOUR FIDUCIARY DUTY IN PROFORMING YOUR DUTY TO EXTEND CREDIT TO APPLICANT AFTER IN GOOD FAITH I EXTENDING CREDIT IN STEAD YOU XXXX XXXX HAS DISCRIMINATTED AGAINST ME SO NOW AM HOLDING PERSONALLY LIABLE FOR THEFT THE UNAUTHORIZED UES OF MY CREDIT CARD YOU RECEIVED ALL BENEFITS AND PROCEEDS FROM THAT TRANSACTION AND I THE CARD HOLDER RECEIVE NOTHING BUT DISCRIMINATION FEDERAL LAWS HAS BEEN BROKEN YET YOU FOUND NO IRREGULARITIES OR TREAMENT ON ANY PROHIBITED BASIS. ALLY DENIES IT VIOLATED ANY FEDERAL OR STATE LAWS STATE LAW VIOLATION O. C.G.A 16.9.33 STATE LAW VIOLATION O.C.G.A 10-1-439.2 Federal Law violation 15 u.s.c 1691a Federal Law violation 15 u.s.c 1602 ( f ) Federal Law violation 15 u.s.c 1602 ( p ) Federal Law violation 15 u.s.c 13 Federal Law violation 12 c.f.r 1002 Federal Law violation 12 c.f.r 202 Federal Law violation 12 c.f.r 202.5 ( 5 ) These are the laws you have broken there probably more that I havent found yet These are irregularities and prohibition violation you just wasnt called on it I am demanding to see your books, your ledger, your files, your audit trail, whatever you use. all the documents associated with these transactions. validate these transactions that it was legal And as now am holding you XXXX XXXX personally liable for theft and willful noncompliant criminal liability for willfully knowing and violation. 
After extending my credit I am expecting adequate compensation Ignorance to the law is no reason to break it Notice is complete upon receipt Yours truly
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE all of the following UNAUTHORIZED FRAUDULENT INQUIRIES XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm disappointed by your claims & am rejecting on the basis that you lack any material fact to support your claim... Please DISPUTE THESE ACCOUNTS! Or I will be seeking a legal remedy from you. Frustration, distress, annoyance, and outright anger. These emotions stem from the painstakingly slow response and the repeated denial of my identity theft claim by your bureau. It boggles my mind that your bureau continues to dismiss the validity of my identity theft claim, leaving me in a state of perpetual frustration. I came to you seeking assistance and justice, but instead, I've encountered red tape and inaction. I implore you to swiftly initiate a thorough investigation into these matters, remove the fraudulent accounts from my credit report, and help restore my financial standing. I'm not asking for special treatment ; I'm asking for what is rightfully mine as a victim of identity theft. XXXXXXXX XXXX XXXX XXXX. Please remove this account ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit report in XXXX XXXX I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts. It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX  Balance : {$15000.00} XXXX XXXX XXXX Balance : {$3900.00}
Product: Debt collection

We receive multiple calls from this company on a daily basis. This has been occurring for more than a year. When you answer the phone, you either get a recorded message, strange sounds or the line disconnects altogether. When you do n't answer, they leave a mumbled message over and over again. when you call back, you get a busy signal or a message that this number is not in service at this time. This has occurred as much as XXXX times a day. This is a landline with XXXX so we, with advance request, could obtain a log of the incoming calls to validate the frequency.
Product: Debt collection

I am a 100 % XXXX veteran. My total college debt was dismissed in early XXXX as a result of my XXXX. The debt in question, was on my reports 2 years ago, because XXXX XXXX sold the debt to another collection agency who attempted to collect on the debt, but were unsuccessful because it was determined the debt was 7 plus yeas old. As a result, it was removed by all three credit bureaus. 
The debt is a Stafford loan debt. Stafford Federal Student Loans stopped offering student loans since XXXX. XXXX XXXX as well as Reliant Capital Solutions have both changed the dates on the debts and were able to put it on my credit report. I graduated from XXXX XXXX in XXXX ( I can forward a copy of my degree ). I also have a copy of the original Stafford loans ' promissory note, dated XXXX. I had graduated by then. Again, thr dates were altered to enable them to sell it to a collection agency. 
I can provide supporting documents upon request.
Product: Credit reporting, credit repair services, 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 # XXXX, Account name : XXXX XXXX XXXX # XXXX has violated my rights. 

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: Credit reporting or other personal consumer reports

I contacted Experian in XX/XX/XXXX to ask that XXXX inaccurate Bankruptcy filings be removed from my report. They responded that they verified these items for the XXXX XXXX XXXX in XXXX XXXX. 


Reference XXXX XX/XX/XXXX Reference XXXX XX/XX/XXXX XX/XX/XXXX, I contacted the XXXX XXXX XXXX XXXX and they stated that they did not report this inaccurate information to anyone. It is stated on the Courts website Credit Report and Court Records The U.S. Bankruptcy Court, Central District of California does not report information to any credit reporting agency. The Court does not have any control or jurisdiction over credit reporting agencies. 

This violated my rights According to the Fair Credit Reporting Act 15 USC S 1681 I demand that this inaccurate reporting be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted every ave I can think of. Navient refuses to remove me from the students loans procured by my ex husband. One of the loans are in my name as a primary and I never attend the school. This has caused me 15 years of bad credit scores because the payments are not on time or paid at all. I am not sure where else to go with this but Im hopeful someone will take the time to help me with this
Product: Credit reporting or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. 

XXXX XXXX XXXX XXXX
Product: Debt collection

The collector needs to prove that this debt is accurate with records of the debt, that this debt can survive collection that they own this debt, and the extent to which they can collect. Without it, it must be removed. The accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX they called and left a voicemail stating they would take legal action if I dont respond. They then called my mom. I tried calling them to confront but no answer. 

On XX/XX/XXXX I answered and asked why theyre calling me and calling my mom. Theyre claiming I owe from a past debt still which Im pretty sure I dont. 

Regardless, theyre threatening to take legal action, calling me from Texas XXXX I live in California along where the loan was taken ) and also doing it during early ( XXXX my time zone XXXX pretty sure if they are real, they are doing it on purpose knowing Im 2 hrs behind. In addition to this, when I googled them online theyre being reported as fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! Ive had an issue with XXXX XXXX for years now. When i first purchase the car everything was fine. The car was brand new and then i start having issues with a car with 8 miles on it leaver the dealership. I started having engine issues which turned out to be a recall defect. I spoke with the dealer who sold me the car and he told me to bring it back and XXXX XXXX the car out and send me paperwork. To find they never did that. Right after that my husband XXXX and we went overseas to XXXX so i was unable to call and check bt i sent multiple emails and no response. To find out the dealer took the car back and it was sold at auction. When we got back to the stated the dealer no longer works there and i called XXXX XXXX and no one was able to assist me. The car was sold at action and stated as a write off when i called cx service bt they want me to do a settlement. I explained that the car had a defect issue and it took it back to the dealer bt we soon went overseas. I have asked for contracts and proof of sale or anything from the dealership to clear my name bt was unable to provide. I disputed it and they took it off but reopened it like 2 months later and dropped my score tremendously. I have no car to show for it and cant get another one and its hurting me and taking a toll on my Health and family. I just want this car taken off my credit bc i was tricked into sending the car back because of a recall issue and the salesman XXXX  me over and now Im paying for it and its on my credit as a repo and it was never a repo. He told me to bring it back and XXXX would pay it off for recall so i didnt want another car from them. Plus they  closed and removed it then reopened my account on my score years after my car was gone. I am no longer responsible for this loan and the car is sold and they have gotten tax write offs for it. Please help me and the company is not sending any information to me and Ive wrote letters and getting a lawyer soon. Thank you. Please remove this from my credit report please
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$23000.00}
Product: Checking or savings account

XXXX times over the past XXXX years criminals have attempted to open deposit accounts at XXXX XXXX  using my personal information to include XXXX. Each time US Bank has sent me a notice and asked me to call and confirm whether I did apply for a new deposit account or not. 

On or about XX/XX/XXXX I received yet another notice of an attempt to open a deposit account in my name. I called the number on the e-mail sent to me and clarified that I did not apply for a new account. Since this problem is recurring, I asked them to take steps to ensure no new account can be opened in my name. I was told they would institute safeguards. 

On XX/XX/XXXX I received yet another notice that an application for a new account in my name was submitted. I was told to contact ( XXXX ) XXXX to confirm XXXX. Calling that number only reaches a very confused general customer service representative who places me on hold for over XXXX hour at international direct dial rates. After repeated tries, I was given a direct number to the XXXX XXXX. 

On XX/XX/14 at approximately XXXX am I called the XXXX XXXX. and after a brief reached an astronomically incompetent representative who insisted on sending a OPT to my cell phone. Her codes never arrived. She then stated that without OTP verification, I can not report a case of fraud against US Bank. It is beyond stupid that one can not help protect US Bank from fraud losses should their XXXX not arrive. I hung up. XXXX minutes their XXXXs arrived. 

I attempted to call again and this time the holds are for at least XXXX minutes, again at international direct dial rates. 

That XXXX XXXX is so incompetent that someone can not help them recognize fraud and protect them from financial losses, perhaps the CFPB needs to investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I sent XXXX, XXXX, and XXXX letters asking them to investigate and verify my debt on my credit report just to make sure the names, amounts, dates and everything else involved with the accounts were accurate. I have received the credit bureaus responses and uploaded them to this case. They have stated that everything is verified and correct, and validated correctly, however, my credit report is still showing inaccuracies and inconsistencies. I have highlighted all of the inaccuracies by circling the account name and underlining the inaccuracies and inconsistencies in RED pen. You will be able to see my credit report from before and after their updated reports to show as proof that it is still showing inconsistencies and inaccuracies. In accordance with the Fair Credit Reporting Act 15 U.S.C. 1681s- ( A ) ( 1 ), the following accounts have violated my rights, which states that " 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. " : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Seterus which is now controlled by Mr. Cooper refuses to provide information requested. In addition, they will not return phone calls. To make things simple for the CFPB for which I believe is in cahoots with Mr. Cooper because of financial gain. Seterus filed a false entry in 2015 and Mr. Cooper refuses to provide detailed information or return phone calls, and names of people that they say in their letter that verified. Please read the attached document which includes complete detailed information that has taken me many hours to compile because CFPB is in partnership with Mr. Cooper. My only remedy left is to take legal action which I can't afford due to the fact I'm a XXXX XXXX XXXX veteran.
Product: Bank account or service

I opened a citigold account ( bank account from CITI bank ) in XXXX XXXX, 2015 using a promotional code XXXX. By using the promotional code, based on the term, I will be eligible to receive XXXX XXXX ( XXXX ) miles if I spend {$1000.00} on my citigold debit card and make a citibank online bill payment for two consecutive months. After I opened the account, I contacted with citi to confirm this promotion. The representative ( XXXX ) confirmed my eligibility and claimed that the bonus miles will be credited to my XXXX account ( XXXX ) within 90 days from the end of the statement period in which all offer requirements are completed. In XXXX XXXX, 2015, I contacted with citi again and talked with another representative ( XXXX ). XXXX confirmed that " I see that you have met the requirements of the promotion offer '', and informed me that I " will be getting the offer of XXXX XXXX miles in three months ''. I kept all those chatting history. However, I have never received any bonus XXXX miles after three months. I contacted with citibank and talked with a manager. He said that citibank had give me another promotion offer instead and thus the original promotional code XXXX I signed-up was no longer applicable. In this case, the key fact is that citibank had never mentioned another promotion offer to me before they breaked the original agreement and applied another promotion code to my account without my authorization. I proposed him to withdraw the promotion offer that I did not sign up, and give me the XXXX bonus miles back, the manager refused even if I said my eligibility to receive the XXXX miles had been confirmed by their representatives many times. I did nothing wrong in this situation, but citibank 's response is lack of responsibility.
Product: Checking or savings account

I am attempting to link my CapitalOne account with an external application called XXXX. I am receiving a message that states this is unauthorized access. 
I have the right to see my financial accounts and to access them.
Product: Checking or savings account

I spoke to XXXX XXXX EVP and Director of Customer Relations today. My first concern is I do not believe PNC Bank is fully disclosing the fees associated with their Performance Select Checking because it says on page three " Performance Select Checking No charge of PNC Exclusive Checks. '' I was told by XXXX SVP of Customer Relations it is only the Master Account that receives free checks. The fact that it is only the Master Account is a material fact and there is no reference on the fee disclosure that it is only for the Master Account. I have spent at least 4 hours on the phone to get my accounts switched to Performance Select Checking as I meet their requirements and receive my free checks. They finally agreed to provide the checks and said they were going to investigate. 

I requested that I should get free checks for the life of my accounts since I spent 4 hours on the phone and complained about the lack of full disclosure. XXXX refused. 

My second concern is that I believe I have been retaliated against and discriminated against as I have complained in the past and XXXX told me that I had complained before. 

It should be known that PNC Bank flags customers accounts if they complain and this information is visible to anyone servicing the accounts. Therefore if you complain your account is labeled a complainer. It should be mentioned the additional harassment occurred by XXXX XXXX EVP when she said the regulators require it. It was not until I pressed to confirm that the regulators require PNC Bank to track complaints by customer name and account number that she back tracked and said that was just part of PNC Banks robust customer complaint tracking. XXXX XXXX tried to use the regulators as justification for labeling customers as complainer and intimidate me the customer, which complete harassment. I believe if you complain you are labeled and receive poor customer service so they can get customers to leave and avoid reporting to the regulators. This is validated by my treatment and the fact that I have been on the phone for 4 hours to simply get switched into account I clearly qualify for.
Product: Checking or savings account

Bank of America has recently reinstated a monthly fees for checking accounts which don't have a monthly direct depict or have lower balance. This just seems to be a way to penalise people for not having enough money. If someone loses their job and their salary direct deposit stops, they start being penalised for falling on a hard time! The fees is {$12.00} per month. I have been charged twice between XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting, credit repair services, 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. 

XXXX Account XXXX # XXXX, XXXX XXXX : Account # XXXX XXXX : Account # XXXX XXXX  : Account # XXXX XXXX XXXX XXXXXXXX : XXXX XXXX : Account # XXXX XXXX XXXX  : Account # XXXX XXXX : Account # XXXX XXXX : Account # XXXX XXXX XXXX : Account # XXXX XXXX : Account # XXXX XXXX : Account # XXXX XXXX XXXX XXXX : Account # XXXX XXXX  : Account # XXXX XXXX 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.