23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hunter Warfield is a third party collection agency trying to collect on a debt that was a result of identity theft. This action is a violation of the FCRA and my consumer rights.
Product: Credit reporting or other personal consumer reports

I have reviewed my credit profile and noticed unauthorized Inquiries on my credit report. I demand that they're removed immediately! By law, I have the right to do so and I demand for that to happen ( 15 U.S. Code 1681i, Paragraph 5 ) with Credit Suppression added to my credit profile within 30 days of this matter being opened. I DO acknowledge the inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX' and was approved for a line of credit {$750.00}. I can NOT acknowledge these three inquiries below and once again I DEMAND they're taken off my credit report. This is a cold sense of Defamation of Character due to me having these unknown/unauthorized inquiries on my credit report it seems as if I've been applying for things in a earlier stage than I was suppose to and I am very responsible credit holder. Please understand the severity of the situation and complete the deletion of these inquiries, Thank you! I have reviewed my credit profile and noticed unauthorized Inquiries on my credit report. 

Law Backing Truth : ( 15 U.S. Code 1681i, Paragraph 5 ) Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Citi Cards CBNA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Citi Cards CBNA XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its illegal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau. ( CFPB ) has recently filed a lawsuit against Experia, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get insurance on my vehicles for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. 

US DEP ED XXXX {$5700.00} XXXX  XXXX {$14000.00} XXXX XXXX   XXXX {$240.00} XXXX/XXXX  XXXX {$640.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$400.00} XXXX  XXXX {$130.00} XXXX XXXX   XXXX {$160.00} XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$640.00} XXXX XXXX {$170.00} XXXX XXXX XXXX {$550.00} XXXX   XXXX {$640.00} XXXX XXXX {$23000.00} XXXX XXXX XXXX XXXX {$19000.00}
Product: Mortgage

My complaint is toward Bank of America. 
My friend ( XXXX ) and I ( XXXX ) are buying an investment property. My friend works as an XXXX XXXX for a XXXX company in XXXX XXXX being paid in XXXX dollars. He is over there on a short tem contract. He is not scheduled to be back in the XXXX until the beginning of XXXX when his contract is up. 
XXXX executed a Power of Attorney that gave me the right to sign on his behalf for the investment property purchase. The Power of Attorney was signed and notarized at the XXXX XXXX in XXXX XXXX by a XXXX notary. I was just told by a BoA representative that they will not accept the POA because it was signed outside of the XXXX. 
This makes no sense to me as this is the point of a POA and one of the reasons for a XXXX XXXX 's existence. In addition to the fact that an XXXX is a sovereign state and is considered XXXX soil. I escalated it with Bank of America and they requested an exception to allow the POA which was declined. They advised me of the POA decline on Thursday XXXX/XXXX/2017. We are scheduled to close on Friday XXXX/XXXX/2017. 
I feel they are discriminating against a XXXX citizen who is working abroad. The POA was completed in accordance with XXXX and local law as it has been accepted by the title company who is insuring a clean and clear title.
Product: Credit reporting or other personal consumer reports

These are hard inquiries that I did not authorize these inquiries are fraudulent XXXX XXXX XXXX Ally Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

there is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instruction for the identified items to be reported on my consumer report. i am requesting that the reporting of this information be blocked and deleted .my request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. the identified transactions are not information related to any transaction by me as the consumer. : XXXX XXXX XXXX other than personal date XXXX : TransUnion : XXXX XXXX XXXX  other than personal : mortgage reporters XX/XX/XXXX : XXXX : XXXX XXXX XXXX other than personal : miscellaneous reporters ; XX/XX/XXXX XXXX : : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FINANCE OTHER THAN PERSONAL XXXX/XXXX/XXXX ; Transunion : : XXXX XXXX  : MISCELANIOUS REPT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANS UNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  all files see attachment to follow ; ; you are required to do what i am asking and block these transactions from being reported to my consumer report within 4 days from the date of this notice i look foward to your response
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been in contact with DISCOVER on multiple occasions in regards to this matter. 

They have violated my rights under the FCRA, FDCPA, The Privacy Act Of 1974. XXXX has disclosed my private information including my phone number, address, name and social security number to credit reporting agencies and other third party vendors. 

The Privacy Act Of 1974 The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to one of twelve statutory exceptions.

DISCOVER violated this act they had no permission by me the consumer to disclose any of my private information.

They also violated my rights under the following statutes.

15 USC 1692b Acquisition Of Location Information. - Shall not state a consumer owes any debt.

In which reported on my consumer report that I owe the a debt. In which the debt has already been paid in full.

15 USC 1681b Permissible Purpose Of Consumer Reports ( 2 ) In accordance with the written instructions of the consumer to who it relates.

I never gave DISCOVER any written consent to disclose any information on my consumer report.

15 USC 6802 Obligation With Respect To Disclosures Of Personal Information A financial institution my not directly or through any affiliate disclose to a nonaffiliated third party no public personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

DISCOVER did not provide me with any notice about disclosure of my personal information to any non affiliated third party. That includes credit reporting agencies or any other data recording agencies.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

I have tried XXXX hours to get a hold of Direct Express and no response at moment they have my funds locked.
Product: Checking or savings account

I made a {$3000.00} cash deposit at XXXX on XX/XX/XXXX at the atm machine XXXX. The atm machine malfunctioned and then I received a receipt for the transaction which did not note the amount of the transaction and said " A machine error has occurred, and we are unable to credit your account or return some of the items you attempted to deposit. Contact your financial institution at the number of the back of your card ''. 

I did contact US Bank and filed a dispute. However, the funds are not available and now my account is severely overdrawn and the bank has not credited my account for either the deposit OR overdraft fees leaving me in a serious financial situation. 

The branch manager at that location said there was nothing he could do which I've now found out is not true. I need this resolved immediately and not wait 10-45 business days like the bank is telling me. I deposited cash, not a check. The atm accounting for XX/XX/XXXX needs to occur and one should be able to clearly see me count out the money in front of the camera as that is XXXX when i deposit. Additionally, my banking pattern clearly shows that every other Friday I make a large ( $ XXXX $ XXXX ) deposit at a US Bank ATM . 

US Bank has completely stonewalled and has made zero progress and on my follow up calls they just say there is nothing they can do to expedite which is completely unacceptable and unfair to me the consumer. This is 100 % US Bank 's issue and not mine so I shouldn't be the one penalized. 

I am requesting that my account be credited for not only the {$3000.00} deposit I made, but clear ALL overdraft fees incurred in the months of XX/XX/XXXX and XX/XX/XXXX as a result. 

It is unfair and unjust to penalize the consumer for the bank 's mechanical failures on their ATM at one of their branches.
Product: Payday loan, title loan, personal loan, or advance loan

afternoon im writing you guys to stop all communication with me and my references as i told you guys before im in a judgement with a government credit card so they are taking as much as the law allows so after rent i have nothing but to have food they took my tax refund and everything so i cant pay anything however everytime i have extra i pay idk how long its gon na be but i take full responsibility but i cant not make payments and not be homeless so you get picture
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed two disputes for closed accounts on my credit report from Experian. The accounts were said to be deleted upon payment of settlement from the creditor, but were never removed. The results came back as updated with the accounts still on my credit report. I asked a disputes representative at Experian to furnish verification methods used to update my report, seeing as how an agent of the company XXXX XXXX XXXX ) I disputed the accounts with XXXX XXXX, Agent ID XXXX ) stated NO form of investigation had taken place on my account from Experian with them. After several phone calls over the weeks, the only assistance anyone seems able to offer me is an additional dispute. By law, I requested validation of the debts and have yet to receive it, so I am requesting the accounts be removed immediately for violation of my rights under FCRA
Product: Credit card

I paid off my full statement balance before due date but I was still charged interest.
Product: Vehicle loan or lease

Okay, my problem is complicated. I may have to send three separate complaints against ( Santander USA, XXXX XXXX and XXXX XXXX ). Here is my problem. 

I have two lien holders listed on my non negotiable title. I live in Oklahoma. In early XX/XX/2013, I took out a loan with Santander USA, and in late XX/XX/2013, I had it refinanced with XXXX XXXX for a lower interest rate. On XX/XX/2013, Santander USA was paid {$17.00}, XXXX for my vehicle loan, meaning Santander USA was paid in full by XXXX, and thus, XXXX XXXX became my new lender and lien holder. Months prior to paying XXXX XXXX 's loan off, XXXX sold or transferred their auto loans to XXXX XXXX, which complicates matters. 

My local tag office in XXXX, Oklahoma, which provides clear titles, refuses to give me my full, and clear title, because they states Santander and XXXX needs to be removed as lien holders. Neither company ( Santander and XXXX ) sent in the proper paperwork to the Oklahoma Tax Commission, ( OTC ) removing their liens. In addition, XXXX XXXX  's transferee ( XXXX XXXX ) failed to send in proper paperwork either to temporarily add their lien and advised they were taking over XXXX, nor did they send in a lien release to the OTC. 

All of this has been a headache for me and it doesn't appear to be resolved anytime soon. Meanwhile, I am denied my clear title because of them. This is a clear violation and fraud. I will be sending separate complaints for each lender ( Santander USA, XXXX XXXX and XXXX XXXX ).  Please investigate. and help me get my clear title without liens on it. Thanks for your time. 

Respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received the following email and I did not apply for a loan : XX/XX/2021 XXXX XXXX XXXX XXXXXXXX XXXX Account # : XXXX XXXX XXXX XXXX, XXXX, WI, XXXX Dear Applicant, Thank you for your recent application. 
Description of Account, XXXX, or XXXX XXXX : Application for a personal installment loan. 
Description of Action Taken : We have declined your application. 
Principal Reason ( s ) for Action Taken Concerning Credit : You have submitted an application that was declined within the last 365 days. 

Our credit decision was based in whole or in part on information obtained from an affiliate or from an outside source other than a consumer reporting agency. Under the Fair Credit Reporting Act, you have the right to make a written request, no later than 60 days after you receive this notice, for disclosure of the nature of this information. 

If you have any questions regarding this notice, you should contact : Creditor : NetCredit Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone : ( XXXX ) XXXX
Product: Debt collection

On XX/XX/XXXX I received a call from healthcare receivables stating I owed a debt, when they asked if I was who I was and what my DOB was I would not provide them that information and they would hang up. They called me once a week for about 3 months. Every time they called I asked for them to validate who they were and where they were calling from, each time they would say we cant release that information until we know its you I never once received anything in writing stating who they were or where this debt came from. On XX/XX/XXXX I sent a certified letter, a debt validation letter, asking them to send me an itemized bill along with a contract that I signed stating that I had the debt they were claiming I owed. It has been over 30 days and there has been no contact from Healthcare Receivables.
Product: Credit reporting or other personal consumer reports

Dispute of Charge Off and Unauthorized Reporting Under 15 U.S. Code 1692 To Whom It May Concern, I am writing to formally dispute the charge-offs reported by your companies to the credit reporting agencies regarding the accounts listed below : Account Number : XXXX XXXX  Account Number XXXX Account Number : XXXX XXXX Account Number XXXX Account Number : XXXX XXXX  Account Number XXXX Under 15 U.S. Code 1692, I never provided written consent to furnish or obtain my personal information related to these accounts. According to the Fair Debt Collection Practices Act ( FDCPA ), any information furnished must be accurate and compliant with legal requirements. The inclusion of these charge-offs/ Written Off on my credit report is unauthorized and constitutes a violation of my rights under federal law. 

Furthermore, I reserve the right to utilize the arbitration process to seek compensation of {$1000.00} for each negative item reported without my written consent. The inaccuracies on my credit report have caused undue harm and financial distress, and I intend to hold your companies accountable for these violations.
Product: Money transfer, virtual currency, or money service

PNC bank will never link with my digital wallet for me to be able to transfer my funds somewhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a human being, I have the rights under 15 USC 1681 Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because : XXXX XXXX XXXX XXXX XXXX {$2300.00} Remaining Balance Last Payment Amount 0 Late Payments XXXX XXXX Age of Account DEPT OF ED / XXXX XXXX XXXX {$890.00} Remaining Balance Last Payment Amount XXXX Late Payments XXXX XXXX Age of Account DEPT OF ED / XXXX XXXX XXXX {$620.00} Remaining Balance Last Payment Amount XXXX Late Payments XXXX XXXX Age of Account DEPT OF ED / XXXX XXXX XXXX {$980.00} Remaining Balance Last Payment Amount XXXX Late Payments XXXX Age of Account DEPT OF ED / XXXX XXXX XXXX {$930.00} Remaining Balance Last Payment Amount XXXX Late Payments XXXX XXXX Age of Account According to XXXX XXXX XXXX : I have the right to privacy and did not give Equifax written permission to furnish these accounts
Product: Money transfer, virtual currency, or money service

My mother died in XXXX of XXXX. She had been living in XXXX XXXX. We proceeded to close all her banking account and transferred the funds out here to XXXX. Among those accounts were several accounts in a branch of HSBC in XXXX XXXX XXXX. In XXXX of this year, my wife and i discovered a check dated XX/XX/XXXXissued in the name of my mother and myself from HSBC that had never been cashed. The check was for {$41000.00} and the check number was # XXXX. I contacted HSBC about what was the status of the funds represented by the check I was informed that HSBC did not not keep records beyond seven years. and all records were transferred to XXXX XXXX XXXX after seven years had lapsed. XXXX XXXX found only that the check had been stopped and referred me to the XXXX XXXX XXXXXXXX XXXX XXXX XXXX. The XXXX XXXX XXXX in turn referred me to your office. It seems to me that the bank would keep records for a longer time than seven years. I work with court records all the time and records immediately available on the computer systems go back beyond the year XXXX.
Product: Credit reporting or other personal consumer reports

I have already filed a report with the Federal Trade Commission ( FTC ) concerning the unauthorized reporting of my personal information, which I believe amounts to identity theft. The FTC has provided me with a reference number for this report, which is [ XXXX ]. 


Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRES XXXX open date XX/XX/
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spent well over a year disputing multiple inaccuracies on my personal credit report with all 3 of the major credit bureaus to include XXXX, XXXX, and Transunion. 

I have spent large amounts of money during this time to send my dispute requests via US Certified mail because every other manner in which I have attempted to dispute would end up with constant mail tagging back and fourth or the credit bureaus stating that they never received my requests.

To Date : There is now not only ( 1 ) but now ( 2 ) Wisconsin addresses that is displaying on my personal credit report in which I have NEVER resided or even stepped foot into the State of Wisconsin, I have made this very clear to all ( 3 ) major Bureaus by providing my valid State Issued Drivers License with each one of my dispute  letters. 

There are Dated/Old Student Loan accounts that have been Paid/Closed that are appearing on my personal credit report multiple times, listed individually which is impacting my overall credit score. These loans have been consolidated with one agency and the other agencies have been paid in full.

There are multiple items reported on my credit report as Negative that do no belong to me, and I have advised all ( 3 ) credit bureaus that my personal information was compromised through a previous employer who experienced a data breach, and also XXXX who has also experienced a data breach. These data breaches are impacting my personal credit report in a negative manner. 

Each time I initiate a dispute with the ( 3 ), major credit bureaus, it result with no changes being made to my personal credit report and no information is being provided as to how they came to this conclusion as if though they are not even taking the initiative to properly investigate my dispute claim. 

I do not work for either of the ( 3 ) major credit bureaus and I feel that if they are going to report inaccuracies on my personal credit profile, then they should at least take the time required to verify the information that they are listing on my personal credit profile using their own resources and tools, since they are apparently being PAID to list these inaccuracies on my personal credit profile. 

I am at the point where my hands are tied and I am now at the mercy of your agency to get some assistance and accurate results regarding my multiple attempts to get these issues resolved with all ( 3 ) major credit bureaus.