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

Follow-Up on CFPB Complaint XXXX As I have already brought this matter to your attention, you have failed to take appropriate action to investigate and delete this inaccurate information within the legally required timeframe. This failure to comply with the FCRA, despite having been notified, constitutes willful noncompliance as outlined under 15 U.S. Code 1681n. 

Due to your failure to address this issue properly, I have suffered damages, including but not limited to : Lower credit score : Resulting in the denial of credit or higher interest rates.

XXXX  XXXX  : Caused by the negative impact of inaccurate credit reporting. 
Financial harm : Due to credit denials or unfavorable terms for loans or credit lines. 

In light of the harm caused by your willful noncompliance with the FCRA, I am requesting : XXXX. Immediate removal of the inaccurate information that your company is reporting to my credit. 
XXXX. If you do not remove these accounts, I will be forced to sue for compensation of damages. 

Compensation for damages : I reserve the right to pursue legal action under 15 U.S. Code 1681n to seek actual damages, statutory damages, and punitive damages, along with attorneys fees and costs if necessary. 

Estoppel by Silence : Your failure to respond or act within the required timeframe reinforces your noncompliance.
Product: Debt collection

my complaint is against synchrony bank and involves lowes credit card havertys credit card PayPal credit and synchrony XXXX XXXX XXXX. on or around XXXX XXXX synchrony bank was notified of several accounts I did not open. on or around XXXX I was notified that out of the accounts I disputed only 4 were being deleted for identity theft leaving me with the remaining accounts. I don't know who makes these decisions but this is ridiculous I had filed disputes with all 3 credit bureaus including both a police report and an identity theft affidavit. I believe the law is clearly on my side and synchrony bank should remove these accounts I did not open. I would like to add that I had 3 accounts with synchrony bank that were opened by me that were also closed even though I did not report them as identity theft these accounts were in good standing and were paid on time I believe synchrony bank was punishing me for being a victim of identity theft and further damaging my credit.
Product: Vehicle loan or lease

I was given a simple interest loan. I was never explained the way the loan would work. I have tried to keep up the loan and interest just keeps piling up. I have recently tried to pay the loan for the amount of the original contract and was denied. I will end up paying over XXXX for a XXXX car. Not only that but I tried to pay a large sum on the account and was told I can only pay so much per 30 days. That is going to cost me more interest and I am just done. This is robbery and should Not Be allowed
Product: Debt collection

I was contacted and left a voicemail by the same person three times in one week claiming to be XXXX XXXX representing XXXX. She stated on the voicemail, she was contacting me regarding legal complaints that are stemming from XXXX, that is attached to my name and then she stated the last XXXX numbers of my social. ( XXXX is my bank. ) I contacted my bank. They did not know anything about this. They put more security on my account deciding this could possibly lead to identity theft. Then I received another voicemail from XXXX XXXX, this time more information. She stated she was contacting me in regards to a check and fraud charge, that they have been asked to file against my name and social security number. Then by the third call XXXX XXXX left a voicemail that she received several legal complaints in her office regarding fraudulent allegations that are attached to my name and social security number. This was very upsetting because I did n't know who, XXXX was, and XXXX XXXX stated in the first voicemail that my bank, XXXX, was where the legal complaints were stemming from. My bank stated they do not have any legal complaints out against me. So she was lying. I was tired of the constant threats on my voicemail. I called the number XXXX to contact XXXX XXXX. She wanted my name, I stated I would just give my phone number. Then I waited and there was silence. So I just began speaking, " I would like you to stop contacting my number ... '' but before I could finish she started screaming at me that this was Ace Cash Express! So I said, " What is XXXX? '' That is who she said she represented in all of the voicemail 's. She said, '' They were going to file fraud charges against me, but was yelling at me and very unprofessional altogether. I could n't get a word in. It was verbal abuse, and I was n't going to take it. I ended the call. My phone rang and it was the number I called. She was calling back and I did not answer.
Product: Credit card or prepaid card

15 USC 6809 ( 9 ) ( 9 ) Consumer The term consumer means an individual who obtains, from a financial institution, financial products or services which are to be used primarily for personal, family, or household purposes, and also means the legal representative of such an individual. 

You are a financial institution according to 15 USC 6809 ( 3 ) ( a ) ( 3 ) Financial institution ( A ) In general The term financial institution means any institution the business of which is engaging in financial activities as described in section 1843 ( k ) of title 12.

You as a consumer 15 USC 6809 ( 9 ) I am the natural person, and agent of the consumer XXXX XXXX XXXX XXXX who obtained from you CAPITAL ONE a credit extension, a service that created an account and I want said account to be sent to the original Creditor, I want the funds from this account to be reimbursed to the original creditor of this account. 


Any digital contract that has been created with this Credit Extension and the issue of the account, card number : XXXX that rests in you is rescinded and it is required that the funds be remitted to the original creditor. As the original creditor I demand that all funds that resulted in the issuance of this account be refunded to me within 20 days. Otherwise I will be forced to file a lawsuit. I have all the relevant evidence to show that you used my credit without my consent. They are not creditor, they are the financial institution that sells financial services, they do not lend money and they have to reimburse me for all money used and obtained without my consent. 15 USC 1602 ( g ). 15 USC 1692 a ( 4 ) 15 USC 1602 ( I ) ( I ) The adjective " consumer '', used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit uis offered or extended is a natural person, and the money, property or the services that are the object of the transaction. are primarily for personal, family or household purposes
Product: Money transfer, virtual currency, or money service

I was suppose to transfer money from my capital one account ( ending in XXXX ) to XXXX XXXX account ( ending in XXXX ) worth {$1500.00} but somehow it went the other way around and money transfer got initiated from my chase account to capital one bank. I had XXXX dollars in chase account so the XXXXXXXX XXXX rejected the transfer which is understandable so me not having enough money, the transfer should not happen. But, capital one bank turned it into a reversal charge and they charged my account {$1500.00} for the transfer not going through so I lost {$1500.00} from my capital one account and now I talked with capital one customer service and the lady said they can not give me my money back and XXXX XXXX can not help me either so I am losing {$1500.00} but none of the banks are willing to help get my money back. 

I initiated the transfer on XX/XX/XXXX but it was rejected and I received a letter about that from XXXX XXXX but the capital one charged me {$1500.00} reversal fee on XX/XX/XXXX and now they are denying from giving the money back to my account.
Product: Credit reporting or other personal consumer reports

PLEASE HELP ME THESE FRAUDULENT HARD INQUIRIES. AND THIS SITUATION IS VERY STRESSFUL
Product: Credit card or prepaid card

On XX/XX/XXXX we purchased a service for pest control. But the company XXXX failed to contain the pest. We contacted XXXX several times over a three months period To have this issue resolved. But the company failed to show up in our house and complete the job. In addition to that XXXX also placed Unauthorized charge on XX/XX/XXXX. Before the first payment expired. We called XXXX And told them we did not recognize the transactions and we demanded A refund. XXXX was unwilling to refund the money or complete the job. As a result we disputed both transactions with Barclays. Also Barclays refused to credit the account and concluded that the merchant did not violate their agreement. While the fact is they have violated the agreement and also committed a fraud. Then we filed a complaint with the XXXX XXXX XXXX XXXX. After that XXXX refunded both the transaction back to the card. On the other hand Barclays refused to return the Money back to the original payment method or to send us a check. Then we filed a complaint with consumer financial protection bureau CFPB Against Barclays and demanded they return the money back to us. But instead of sending the money back to the original method of payment or sending a check to the address we provided they only responded with a letter That explains they have refunded the money. On the ground we have not received Our Money like they claimed on the letter. In XX/XX/XXXX I made Barclays aware Of the interest rate that They will incur Because of holding my money from most important life situations that I was facing. And by holding my dearly needed Money from use Barclays agreed to pay the interest rate of 9,900,000 %. Now I will like to collect all of my money with the interest rate Accumulated since the date of the closure of the account. Which is XX/XX/XXXX. If I do not receive my money within a reasonable time frame the consequences will be further more costly.
Product: Credit reporting or other personal consumer reports

inncorrect information reporting on my credit report, In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 
XXXX  Account # XXXX has violated my rights.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

keesler fcu 2017
Product: Checking or savings account

I have a business checking account with bank of America, I noticed some charges described as " Bankcard deposit fees " I asked about it a couple years ago and was told that its a bank fee,, At the end of 2021 I asked again, the fees were getting high and this time I was told by the bank that this was a merchant fee, I informed the bank that my merchant account is with bank of America. the bank also told me that that they did not know who was charging me .. and have no way of finding out. and I would have to contact the fraud department of bank of America, I did and never heard from them since..

The charges occurred for approx 4 years ..The person at the reception area of bank put in a stop request to stop charges and it stopped..
Product: Credit reporting, credit repair services, or other personal consumer reports

On my personal credit there are business credit card inquiries that should not be there. 
XXXX XXXX XXXX on XX/XX/2021, Us Sm Bus Admin Oda on XX/XX/2021 I also have bout 30 inquiries on my credit that are there that I did not give my consent too. I walked in a Car Dealership I showed them my credit profile, and I was told that their bank would approve me long story short they end up send my information to 30 different places some to the same place three or four time. XXXX XXXX XXXX  XXXX XX/XX/2021, XXXX XXXX XXXXon XX/XX/2021, XXXX  on XX/XX/2021, XXXX XXXX XXXX XXXX XX/XX/2021, XXXX XXXX  on XX/XX/2021, XXXX on XX/XX/2021, XXXX XXXX XXXX XXXX on XX/XX/2021, XXXX XXXX XXXX  on XX/XX/2021 XXXX XXXX XXXX  on XX/XX/2021 XXXX
Product: Credit reporting or other personal consumer reports

My information was sold and brought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit Reports effective immediately. I am attaching proof that Equifax has admitted that I was a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXXXXXX XXXX XXXX  has been charging my credit card for 6 months of extra random charges. I contacted them by phone and email and the charges continued. I contacted Bank of America and explained the situation was told there is no manager available, there is no phone numberto reach one, and i can not get an ID, Badge number or any information that i could use to refere back the the representative i was speaking to except a first name and was hang up on twice. 
My card has been fraudulently charged hundreds of dollars and the bank refuse to help me resolve the issue in anyway but has no problem charging me for interest on the fraudulent charges being billed to my account.
Product: Debt collection

XX/XX/XXXX I pulled my credit report and there was a collection on my account for {$20.00} by Certegy Check services. I contacted their office in XX/XX/XXXX via the telephone, XX/XX/XXXX by mail, XX/XX/XXXX by phone, XX/XX/XXXX by phone and XX/XX/XXXX by telephone to no avail. The identified the debt as XXXX XXXX XX/XX/XXXX. 

I do not have any responsibility for the debt they are trying to collect. I have contacted the XXXX and was told I have {$0.00} outstanding items with them and confirmed with my bank that there were {$0.00} overdraft/NSF charges in XXXX. I attached bank statements showing the amount charged cleared the bank. I contacted their office and spoke to a manager after I was hung up on XXXX times. She claimed I had XXXX outstanding claims with their office. 

I requested in writing on XXXX XXXX : This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. This is including proof of the initial debt, my authorization to collect the initial debt, proof of your license into collect in the state of XXXX and XXXX. 
I received a response to my letter dated XX/XX/XXXX saying they are unable to provide a copy of the check because it was an electronic. They also indicated that it was dishonored by my banking institution which is not the case. I provided my bank statements and match the amounts in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some information was erroneous. The Experian credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$240.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed XXXX {$35000.00} XXXX XXXX XXXX XXXX XXXX Owed : {$59000.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$12000.00} XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX Balance Owed : {$9700.00} XXXXXXXX XXXX XXXX Balance Owed : {$26000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

CEASE AND DESIT VOLENTI NON FIT INJURIA to a willing person, it is not a wrong CAINE & WEINER this is a written request for you to cease and desist all forms communication with me effective immediately. 
12 CFR 1006.6 ( c ) ( 1 ) ( c ) Communications with a consumerafter refusal to pay or cease communication notice ( 1 ) Prohibition. Except as provided in paragraph ( c ) ( 2 ) of this section, if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wants the debt collector to cease further communication with the consumer, the debt collector must not communicate or attempt to communicate further with the consumer with respect to such debt.

15 USC 1692 ( c ) c ( c ) Ceasing communicationIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumerwith respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

Furthermore you have no jurisdiction or authority to collect on this allege debt.

( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. 

volenti non fit injuria Volenti non fit injuria is Latin for to a willing person, it is not a wrong. This legal maxim holds that a person who knowingly and voluntarily risks danger can not recover for any resulting injury. This principle is the common-law basis for the assumption of the risk doctrine. 

You CAINE & WEINER knowingly and willingly purchased or was assigned this alleged debt knowing fully the consequences and risks that came with the possession of said alleged debt YOU CAN NOT CRY INJURY OR DAMAGE FOR RISK YOU WILLINGLY ASSUED TO TAKE ON Volenti non fit injuria Delete this alleged debt from your databased and DELETE this account from any consumer reporting agency that you may have furnished this deceptive and inaccurate information to.
Product: Credit reporting or other personal consumer reports

THIS IS NOT A REINVESTIGATION REQUEST. I am writing to request a method of verification for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Please provide me with the following information : XXXX. The name, address, and telephone number of the person or organization that provided the information. 
XXXX. The specific documents used to verify the account information. 
XXXX. Details about how the investigation was conducted, including the date and method of verification. 

As a consumer, I am entitled to a fair and thorough investigation of any disputed information. My previous method of verification request on XX/XX/year> and XX/XX/year> and was ignored and I was sent dispute results ( letter attached for reference ) dated XX/XX/XXXX that state VERIFIED AND UPDATED. However, the method of verification information was not given upon request.Which is a violation of my rights.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. You are reporting Inaccurate information in consumer reports concerning me that you have compiled and published to third parties. 

The following tradeline item is inaccurate. 
Account Name : XXXX Account Number : XXXX I have XXXX late payments on an account that I was in fact Paid On Time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I'm now requesting you investigate and provide verifiable PROOF with records showing that I had late payments. If this information can not be verified I demand these payments be updated to Paid On Time immediately. The inaccurate that you are reporting concerning me is harming me personally, emotionally, and financially, and causing me damage. Thank you for your understanding and prompt action.
Product: Debt collection

Last know date was XXXX XXXX XXXX they call and and threaten me all day
Product: Checking or savings account

I am filing a complaint against WELLS FARGO, due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, WELLS FARGO failed to take timely and effective measures to prevent and address fraud on their platform, causing me financial harm economical despair and financial hardship : leaving my account vulnerable and unprotected furthermore closing my account and blocking me from continued use of the platform and its banking services while keeping and or various amounts of transactions. Their dispute resolution process was unfair and offered limited to no customer support which is deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E!. These actions have caused significant Financial harm, Commercial Liability, Unrepairable Time Lose Theft of Banking Instruments Appropriated and addressed to me ; and the ability to work with other Financial Institution 's has been limited and or cut off causing irreparable damage and deprivation of Character in its Commercial Compacity!. Furthermore not providing me as a small business owner to utilize all of the banking products that are currently offered to CAUCASION persons in its Compacity Denying me on basis of my Melanite Skin DNA Meaning Black or Brown Complexion Man, Attaining to Inconvenience and sever Financial loss, and I seek immediate and appropriate redress for these violations Without Prejudice!.
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC Report # XXXX RE : Identity Theft Dear Experian Please remove the following accounts listed on my Experian credit report. Ive received the assistance from my attorney, and mortgage loan officer, as well as the FTC and CFPB. This accounts listed are a result of identity theft that account when I was on a tour of duty in the armed forces. I did not open these accounts nor have I benefited from them. I am in the middle of closing on my first home through a VA LOAN,  and my bank pull my report and showed me several accounts that I never knew existed. PLEASE REMOVE IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing this complaint on my credit report because of the hard inquirys I didnt authorize this are the list of the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX