23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Experian credit report on XXXXXXXX XXXX XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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

To update this suspicious information, I sent a letter to the three credit bureaus. I believe that these accounts have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance Owed : {$6800.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$400.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$400.00} ;
Product: Credit reporting, credit repair services, or other personal consumer reports

As per usual, pulling the credit report to which I'm ENTITLED BY LAW to receive a copy of my report. Every time I attempt this thru one of the " big three '' CRAs, I hit a roadblock. 

This has to be my third or fourth complaint about TU. Given that I've been unsuccessful EVERY TIME I attempt to pull a CR, I'm beginning to wonder if there's a system in place to deny these reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following accounts listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law The accounts are listed below that need attention : XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX  XXXX Balance : {$2400.00} XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX  XXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$290.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX acquired XXXX 's XXXX XXXX in 2014, read attached. 
XXXX XXXX has NOT reported my good account with XXXX 's XXXX XXXX card. 
Transunion has not recorded my good account on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I checked my credit reports and I was notified that a public record and a bankruptcy ( legal item ) from circuit court was removed from my credit report. Under the new law effective XXXX XXXX, 2017 any public record data and legal item must include the consumers name and address as well as social security number or date of birth in order for any records to appear on their credit file. The credit bureau removed the records and has since re-inserted them on my report. Per the new law true Bankruptcy listed does not include XXXX this information and should be deleted from my credit report. In addition, XXXX XXXX or any other consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  will not remove these inquiries from my credit report that i did not authorize, i have contacted them several times with no help at all.        XXXX   XXXX  - XX/XX/XXXX  and  XX/XX/XXXX    XXXX   XXXX  - XX/XX/XXXX   XXXX -  XX/XX/XXXX  and XX/XX/XXXX   XXXX - XX/XX/XXXX    XXXX   XXXX  -  XX/XX/XXXX    XXXX   XXXX  - XX/XX/XXXX   XXXX  -  XX/XX/XXXX   Pelican Auto Finance LLC-   XX/XX/XXXX   XXXX   XXXX  - XX/XX/XXXX   XXXX - XX/XX/XXXX   XXXX - XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX  XX/XX/XXXX   Finance  XXXX   XXXX    XX/XX/XXXX   XX/XX/XXXX   Bank  XXXX    XX/XX/XXXX  XX/XX/XXXX   Credit Union   XXXX    XX/XX/XXXX   XX/XX/XXXX   Credit Union
Product: Checking or savings account

On XXXX, COMPLAINTANT has opened an account with " Bank of Oklahoma. '' From XXXX, SMS/Email notifications related to mobile banking have started to go through successfully. 
On XXXX, COMPLAINTANT 's online banking account was suddenly suspended. 
On XXXX, mailed debit card by XXXX was activated. 
On XXXX, representative claimed that the account looked suspicious and had to be closed. 
Representative went on to ask the COMPLAINTANT as to whether he knew what he was doing. COMPLAINTANT indicated that the representative shifted the reason for termination of account twice. From ( 1 ) account having added external accounts to ( 2 ) being outside of it service area. 
COMPLAINTANT wonders whether only the accounts having added no external accounts fit BoKF 's criteria of not being suspicious. BoKF can close anyone 's account for any reason, however in this case, it had to switch reasons around to do so.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed a formal dispute to TransUnion regarding inaccurate accounts on my credit report. The disputed accounts include : XXXX XXXX XXXX Account Number : XXXX  This account appears to belong to my parent, who has the same name as me. 
XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX In my dispute, I cited 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ) and referenced XXXX XXXX XXXX XXXX XXXX, requesting verification or removal of these accounts if they could not be validated. I also included a copy of my government-issued ID and a utility bill to confirm my identity and address. 

Despite being legally required to investigate and respond within 30 days, TransUnion failed to provide any response. This is a clear violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which mandates that credit reporting agencies complete an investigation and provide the consumer with the results within the required timeframe. 

TransUnions failure to respond is a violation of my consumer rights and has negatively impacted my credit report by allowing inaccurate information to remain. Their inaction has prevented me from correcting errors that are harming my credit profile.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding the denial of my dispute for {$50.00} by Regions Bank. My account was charged by a XXXX company, and despite having previously conducted business with this company without issue, I was defrauded after sending the company {$50.00} in an attempt to double my money. Under Regulation E, I should be protected against such fraudulent transactions, as this was an unauthorized charge. 

I am currently facing severe financial hardship as my XXXX son and I are living in a motel, struggling to make ends meet. That {$50.00}, while it may seem insignificant to others, is crucial for us as we are at risk of facingXX/XX/XXXX as early as Monday. This small amount could make the difference between securing a roof over our heads and being left without shelter. 

The denial of my dispute without due consideration has exacerbated my distress, and I am now reporting the Region 's Bank location at XX/XX/XXXXXXXX. I am also filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding this denial and lack of protection. 

I hope this matter will be reviewed in a fair and compassionate manner, as the denial of this refund has placed us in an even more vulnerable position.I do have the date of the fraud, which was XX/XX/year>. Its also in my bank statement. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I do n't know what I owe this guy but keep calling threaten and now start calling my wife and my sister 's cell phone which they are nothing to do with my any debt.
Product: Debt collection

I have contacted the three bureaus to let them know they are reporting incorrect information to my report. I then sent a certified letter to the collection companies to ask them to prove the debt i have with them by signature, ssn, address between me and their company .NOT who they are reporting for. The company is Trans World System and the account is : XXXX.
Product: Checking or savings account

I noticed an unauthorized charge that took all of the money out of my account ( {$200.00} ) on the XXXX of XXXX XXXX I immediately called to let the bank know this was unauthorized, and I need the charged reversed ASAP as I live paycheck to paycheck and this would be a big hit to my financial situation. 

I was assured that I would be credited my money back within a 7-10 day period and would be receiving a new debit card. I bugeted the little money I had, and called back on the XXXX of XXXX XXXX  to see where things were at. At this point I was told an investigation has to be completed and an affidavit had to be sent to me and filled out and returned. I had already received my new card at this point, but no affidavit, and They said it could take up to 45 days to have the issue resolved. 

I called back again on the XXXX of XXXX XXXX and ask why it will take this long and what it takes to investigate. I am basically told that its company policy and nothing more. I ask to speak to a supervisor and am hung up on. I called back and got no answer. 

I called again after waiting several days on the XXXX of XXXX XXXX, and still have not received an affidavit. I am very frustrated at this point and have exhausted all my resources. I spoke to an employee in their call center, which seems to be outside of the country, and tried to relay my issues. Again I was told an investigation and an affidavit had to be completed, and now that it will take up to 90 days to get my money back. I told them I still had not received an affidavit, and don't understand why a temporary credit can not be posted to my account while the investigation is ongoing. Once again, they explain to me this is the process and I will just have to wait it out.
Product: Debt collection

I have asked them to stop calling me and they call me all day and more than XXXX times an hour
Product: Credit card

I called 3 times to get an invoice from my bill for my credit card. And they never sent any invoice. I was told it was in the mail.Then the day of when the payment was due. they sent me my statement. No time to mail in the money. So i sent up an online payment. To take money out of my account. Got a conformation email my payment was sent. Today XXXX XXXX XXXXXXXX i get email saying my payment was never cashed. I called an they said they received my payment. Then i explain the email. An the women said it was never received because they declined payment feom my bank. I had one credit card since XXXX no issues ever. This discover card i made XXXX payment everything was fine. Now the second payment i try to make an all these issues.
Product: Debt collection

I have had my wages garnished starting on XX/XX/2015 for the debt in question. I have almost paid off the entire amount, as of a few days ago I checked the court docket site and the company is trying to do a bank attachment for the full amount! I have almost paid it off through the wage garnishment, I have proof via my pay stubs. Also they have filed a lien on my house as well. Seems as though they are trying to triple collect this debt.
Product: Vehicle loan or lease

On XX/XX/year> i applied for a credit extension with my social security number, i did an application on line with XXXXXXXX XXXX XXXX, after i completed the application XXXX called me and stated that my credit report is not good enough for the amount i applied for and i would have give a down payment of {$60000.00} to get the vehicle i applied for, so i said i do not wish to give a down payment and i want the vehicle which is on my application, and he said i cant get it. 
I waited a few days and checked my credit file, and XXXX did inquiries with four banks. It gas been a month and i havent gotten any written adverse letters from any of them and XXXX is not returning my calls. I am going to file a complaint under discrimination on four perpetrators, because i have not gotten any consideration from the contract i signed with my SSN. The Federal Reserve Act states only the board of Directors can deny a consumer credit. Once a consumer submits an application its deem that the credit was granted. 

On XXXX XXXX i called Santander bank and ask for the adverse letter and they said they would send it in a couple of days, but to no avail.
Product: Student loan

I appied for a {$1000.00} loan and was initially approved by XXXX XXXX. Then, at the last minute, the loan request was denied because of some policy of the XXXX concerning my academic status in the school. My contention is that the claim that my academic status is bad is fraudulent and caused by mismanagement on the part of the school teachers.
Product: Credit reporting or other personal consumer reports

My identifying information has been used without my permission for credit inquires.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX Subject : Dispute of Inaccurate information on My Credit Report Dear XXXX, I am writing to formally dispute inaccurate information I identified on my credit report, which I reviewed on XX/XX/XXXX. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all information reported about me is accurate and complete. The following accounts are inaccurate or unverifiable and must be investigated and corrected : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX  XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX Explanation of Dispute : These accounts violate my rights under 15 USC 1681 ( e ) ( b ), which requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information in my report. Additionally, under 15 USC 1681i ( 5 ), inaccurate or unverifiable information must be promptly corrected or deleted after a reinvestigation. 
I have attached supporting documentation, including a copy of my credit report highlighting the disputed items and any relevant correspondence. I request that you : 1. Investigate these accounts. 
2. Provide me with the results of your reinvestigation.

3. Remove or correct any information that can not be verified as accurate.

Failure to address this issue promptly and in accordance with the FCRA may result in action. I look forward to your response within 30 days, as required by law. 
Thank you for your attention to this matter. Please contact me at ( XXXX ) XXXX or XXXX if you require further information. 
Sincerely, XXXX XXXX
Product: Debt collection

This company ( Enhanced Recovery Company ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.

Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Division of Finance is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.

Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office.

Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX XXXX : House of XXXX ). 
1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement. 

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
Product: Checking or savings account

I made a fraud claim through navy federal credit Union on the XXXX of XX/XX/2024 for a large amount of charges from my accounts that I did not make totaling in the amount of {$8100.00}. I have waited 10 business days for the debit card fraud provisional credits and have not received them. My phone and account ID and passwords were compromised for a long time and my accounts were stolen and charges were still made on them. I contacted the companies myself and they refused to help recover any of the accounts or refund the unauthorized charges made so I made a claim through my bank and now they said that I am not entitled to my provisional credits until the investigation was completed due to the high amount of the claim. Which I made the called on XXXX the XXXX business day, I told them that federal regulation E does not state that there is a monetary amount cap on fraudulent charge claims that would hinder me from receiving a provisional credit. Only if the 60 day claim time frame has expired which it has not. I just got off a 2 hour and 13 minute phone call saying if I dont receive the credits by today I call again tomorrow to get them. Well if I have to contact them on the 11th business day which mind you is now going to be XXXX because of the weekend and federal holiday, for my provisional credit that is in violation of federal regulation E so should I sue my bank? Does it really have to go that far? I have called every business day just to be given different false information and ran around the bush for an answer. This is I feel all that I have left. Because they have caused a financial hardship for myself and my family making me have to choose paying bills on time or feeding my kids. Also I was never told one time that the bank required I send in a paper request I even have asked multiple times. I also asked if the phone calls were recorded for evidence of being thrown around.