23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681, section 602 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 an account without my written instructions. Under 15 USC 1666B A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Please also review USC. This is a violation of 15 USC 1681a ( 2 ) exclusion.

" ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. "
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered into a loan modification agreement with The XXXX XXXX in XXXX to get the payments reduced. They approved the agreement and gave me a temporary new payment amount to make for a trial period of 4 months. I never missed a payment during this trial period, all payments however were made to The XXXX XXXX XXXX XXXX Department and not through the same channel as my regular payments were made. 

Once the trial period was completed and the new payment amount became the new final payment amount, then I started making payments again through the online portal and the account showed current starting in XXXX. However, they never went back and corrected or removed the 4 months of late payments that show now on my credit report which aren't true because I did make the payments. They told me that once the agreement was finalized that the account would show corrected and current. They never told me that it would forever show that I missed 4 months of payments. Now I'm unable to refinance my home ever again because of these late payments showing even though I've now paid off all other debt except my home. My credit still shows as poor to fair.
Product: Vehicle loan or lease

The company XXXX XXXX finance vehicle through Gm financial and they have been a constant pain to work with they have constantly repossess my vehicle. Maybe possess my car more than needed and Im constantly having to pay large amounts of money to return my vehicle back into my possession and its not fair to me or my family that we currently have a vehicle taken off without any notification that the vehicle was repossessed somewhere the company needs to be made to properly notify consumers that they will be taking a vehicle back into the custody the person that told me I could never do it on your door never even said anything at all just took off with a vehicle and it sounds like they had cross the vehicle in the back and hit it hard. And I didnt know that it was my vehicle being told I thought it was just a sweet street to come in to cleaning up the leaves off the street like they did last week here come to find out my vehicle got towed from a unknown area and theres no reason for it every time we did this I had to call the police and reported it stolen because it wasnt fair to me if they didnt give me five notice that they were going to be taking my vehicle back even though my vehicle was him lease was out XX/XX/XXXX ask you should I had enough time to settle my account with the dealership and would you and financials will be in dealer sales will sit down And the lines were busy and they never did answer the phone so now they had a vehicle back in the position and its still defective and Im trying to see if they can either replace all my money or place me in a different vehicle because theres some food in me that I had to constantly be in the service department for this vehicle all XXXX four years of rent in this vehicle or three years and is continuously defective it constantly has to have repairs I just spent {$400.00} on it before they roof assessed it also made a payment I actually close to {$800.00} on this vehicle so Im trying to trying to see if the dealership or GM financial can return all my money that I have paid in to the XXXX XXXX  XXXX because the car had a recall her and it was also defective also feel like they get over on me on the cost of towing and storage they took my vehicle to follow locations and I had to call for a ride to get my vehicle back in my position in the field would not return the vehicle back to me after I have paid all the money and I just I just want them to return my money.
Product: Credit reporting or other personal consumer reports

Equifax stated this bankruptcy was verified it provided no further details on how it was verified. The clerk of court stated they did not report any sick information and the data furnisher known as XXXX even deleted the information. This is my final attempt at getting Equifax to follow reasonable procedure outline in the laws established to govern the credit bureaus. Equifax is also securitizing my information for profit without my consent they are located on the New York XXXX XXXX XXXX XXXX file number XXXX this is putting my personal data at risk of data breachs.
Product: Credit card or prepaid card

today i ordered on citi.com a new virtual card with a maximum limit of {$75.00} attached to the primary credit card and i have placed an order on XXXX XXXX like i did yesterday with the another virtual card attached to the dsame citi credit card for some unreason todays ' purchase was considered as " suspicious '' activity and they have blocked the current payment and the card usage and they requested a phone call SINCE I HAVE REQUESTED AND REGISTERED THE CITI CARD WITH A ONLINE BANKING, THEN OBVIIUSLY I DO NOT USE ANY PHONE SYSTEM BECAUSE I USE THE INTERNET I WANT TO REPORT A SUSPICIOUS ATTIDUDE : they consider a online banking, like a phone voice system and they do not understand the difference between a internet connection and a voice line I WANT TO REPORT ANOTHER SUSPICIOS ATTITUDE : they consider a maximum purchase of {$75.00} a big amout of dollars, so that's our suspicious, perhaps the bank does need a fnancial help from the XXXX goverment as usual plus i wan na conform that i have made a password reset and the usual voice call arrived on the phone number on file with the usual code and i have placed that code and cjanhed the password what else they need a XXXX test for {$75.00} purchase
Product: Debt collection

DEBT COLLECTOR IN VIOLATION OF THE FDCPA - IN VIOLATION OF MY FEDERALLY PROTECTED CONSUMER RIGHTS- I AM THE CONSUMER- I AM THE XXXX- I AM THE EXECUTOR XXXX XXXX XXXX ( XXXX ) Comenity Bank at XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX they are reporting a collection account on my consumer report - Account # XXXX. Comenity Bank is reporting that I do not owe them a past due balance? Yet they are on my consumer report giving the impression that I owe them. They also state that they sold my account to a third party. Firstly, I did not authorize them to sell the account to any third party, that is violation of my right to privacy according to the FDCPA and a violation of my right to be secure in my papers according to my 4th Amendment right. Secondly, they sold the account, I no longer owe them anything. In fact, I never owed them anything. I participated in a consumer credit transaction with you and extended YOU credit, and you took advantage of me by making me believe that you lended me your own assets when in reality you lended me my own federally protect money that is backed by my credit card ( social security number ) and the United States of America, according to 18 USC 8. Yet they are falsely stating that I owe them, that is a violation of 15 USC 1692e ( 8 ) and 15 USC 1692j. They are committing Aggravated Identity Theft against me pursuant to 18 USC 1028, they are unlawfully transferring my authentication feature electronically to unauthorized third parties. They are also conspiring against my rights with the Consumer Reporting Agencies and this third party that they sold my debt to, according to 18 USC 241. This debt collector is violating a number of my federally protect consumer rights. I have included several violations that you, Comenity Bank, owe me in my Bill of Particulars.
Product: Debt collection

I didnt received any notification and calls from debit company but reported to credit agency.when I called they said no info available .I asked sent me account and debit details but not yet received.I provided email Also but no information received nd reported in credit history.Due to this I am not able to get loans
Product: Bank account or service

In XXXX I signed up for a bank account with PNC Bank. My reason for signing up for this account was for the {$300.00} incentive that I would be recieving after completing a few requirements. After signing for my account I called PNC to ensure that I understood the requirements that I needed to meet. During the phone call I was told by the representative that because I work for XXXX I was actually eligible for a {$400.00} incentive and that I only needed {$1000.00} direct deposit instead of {$2000.00}. Once I met the XXXX requirements necessary to recieve my incentive I called back in to PNC and asked them if I comepleted everything that I needed to. The representative that I spoke with let me know that all I needed to do was sign up for the workplace banking and in order for me to do that I needed to go into a PNC branch. I then went into the PNC branch and an advisor sat down with me and signed me up for the workplace banking. I asked him if that was all I needed to do in order to recieve my {$400.00} incentive and he said that I completed the requirements and should recieve my money within 60 days. Sometime around XX/XX/XXXX I called into PNC to discuss my new auto loan with them. While on the phone I asked about when I would recieve my {$400.00} incentive for signing up for the bank account. The representative looked over everything and let me know that I would not be recieving my {$400.00} due to the fact that in order to be eligible for that incentive I needed to recieve an email invite or an invite from a PNC representative for the workplace banking. I let the agent know that I was lead to believe that I would be recieving this money from multiple representatives of PNC and that I do n't understand how I am ineligible all of a sudden. She explained that there was nothing that she could do about the {$400.00}, but that she could sign up for the promotion that would have me recieve a {$300.00} incentive. After that phone call I went in to the PNC branch, again, on XXXX XXXX to see if there was anything that could be done what happened. I spoke with a consultant who told me that there was nothing that could be done about what I was previously told about being eligible to recieve {$400.00}. He then told me that I was not even eligible to recieve the {$300.00} promotion that I was signed up for. The consultant told me that the only incentive I was eligible for was {$200.00}. After discussing my issues and frustrations he just told me that nothing could be done and that this was the best that he could do. A few days I called PNC to ask them when I would be recieving my money and the representative told me that I was not eligible to recieve the {$200.00} or any of the other previous incentives I was signed up for. She said that she needed to contact the PNC branch to further review everything and that I should be recieving a call from the assistant manager by the end of the business day. I still have yet to recieve a phone call.
Product: Mortgage

I have requested that this company cease and desist all communication regarding this invalid debt. No value have been given and this company has no interest in this allegedly debt. I have challenged the identity and citizenship of shadow company XXXX XXXX, XXXX XXXX, Lakeview loan servicing and XXXX XXXX. They have filed illegal documents against me in the civil system and have continuously harassed me by interstate mail. false witness and no equity in this consumer contract that is being investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not responding to any of my many requests to investigate, verify and remove accounts from my credit report/file that were opened fraudulently.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law.

3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights.

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX XXXX XXXX ( XXXX ) : XXXX your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft. 

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o.

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

XXXX XXXX  XXXX XXXX
Product: Checking or savings account

I have a problem with disputed transaction with United Bank. Before, i told them about this, however they refuse! I send a letter about duplicate transaction on my debit card, but i recieve mail that they WILL NOT investigate this transactions because they think this is like a fraud .... what a non professionalism. 
And now on the phone they do the same! Please, close this bank in states so nobody can used ... this piace of XXXX..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) XXXX XXXX XXXX, I presume that no proof of the Alleged debt, nor therefore any such debt. In fact therefore exists XXXX XXXX  XXXXXXXX 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, 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 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 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, credit repair services, or other personal consumer reports

Never opened these accounts need these hard inquiries off asap. XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XXXX XXXX
Product: Debt collection

I FINANCED FURNITURE THRU XXXX XXXX AND WAS TOLD IT WAS FINANCED THRU  ONE COMPANY, WHEN TWO COMPANIES TOOK MONEY OUT OF MY ACCOUNT I REPORTED THE COMPANY I WAS UNAWARE OF AS FRAUD, XXXX XXXX DID AN INVESTIGATION AND DECLARED IS WAS FRAUD AS WELL, THREE MONTHS LATER THE COMPANY CALL ME AND TELL ME THERE GOING TO REPORT IT AGAINST MY CREDIT, AFTER THEY CONTACTING ME FOR THREE CONSECUTIVES WEEKS AND SENDING ME A CONTRACT THAT WAS ELECTRONICALLY SINGED ( WITH MY NAME BUT NOT BY ME ) I REALIZED THEY ALSO FINANCED MY FURNITURE SO I PAID THE TOTAL AMOUNT THAT WAS QUOTED TO ME, A FEW MONTHS AFTER THAT I WAS CONTANTED SAYING I NEEDED TO PAY THE {$590.00} DOLLARS THAT I DISPUTED THRU THE BANK I REFUSED TO GIVE THEM MY BANKING INFORMATION AND THEY REFUSED TO TAKE A MONEY ORDER AFTER A FEW WEEKS OF ARGUING THEY AGREED I CAN GET A PREPAID VISA AND PAY THE TOTAL, WHEN I CALLED BACK TO PAY, THEY REFUSED AND NOW ARE CLAIMING THAT I OWE THREE THOUSAND OR SO ODD DOLLARS AND I REFUSE. I AM WILLING TO PAY THE MONEY THAT I DISPUTED THRU THE BANK BU NO MORE THAN THAT, THEY HAVE NOW REPORTED IT AGAINST MY CREDIT BUT I PAID THE TOTAL AMOUNT THAT WAS QUOTED TO ME OF {$3600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent to Equifax via certified mail and Affidavit of truth, cease and desist of all reporting until the investigation was complete, and an opportunity to cure what was wrong. They have given an inaccurate and unrebutted response to my affidavit. I clearly outlined to them all of the violations I found on my credit report. At this point, Pursuant to 15 USC 1611, they are willingly and knowingly violating my federally protected rights as a consumer. Pursuant to the Fair Debt Collection Practices Act 15 USC 1692 I am the consumer and original creditor, and NATURAL PERSON and I do not validate the alleged debts on my credit report. Equifax held an " investigation '' in which to validate my alleged debts which in itself is a violation, due to the fact that Equifax cant claim they verified any accounts unless they can prove they did what they are supposed to do Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc, who may have information of any items on the consumer file which you will have to show me proof via affidavit of fact under penalty of perjury ; They did not do this. If all the accounts listed above arent removed in 30 days as stated in 15 U.S. Code 1681i ( 1 ) ( A ) which directs you on what to do when investigating a consumers file for accuracy without the proper investigation practices Pursuant to 15 U.S. Code 1681a ( e ) which I quoted above ; I the consumer will seek remedy under 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) ( 3 ) Civil liability for willful noncompliance. 

Attached is my original Affidavit of truth and notarized XXXX which we both received on XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided information with tomorrow and get your dress. They seem to have it placed addresses on there that dont belong. Im just not have an easier time trying to work with these critters who wont remove anything wont update anything I dont use my full name I only was my first and my last name I have a last name that doesnt belong to me. My personal information is all messed up.
Product: Credit reporting or other personal consumer reports

I continue to see unauthorized access to my credit profile. After checking today, there are two more inquiries I did not authorize and would like to have removed. 

XXXX XXXX XXXX XXXX XXXX  is not my account - Account XXXX I am self employed with XXXX XXXXXXXX XXXX. Please remove XXXX XXXX from my report. 

I have lived at XXXX XXXX XXXX XXXX XXXX XXXX, TX for the last 20 years. I do not and have never lived at XXXX XXXX XXXX, XXXX MI or lived in Michigan. Please remove from my credit report. There is also an address at XXXX XXXX XXXX XXXX XXXXXXXX which I have never been associated with that needs to be removed. 

Correct the spelling of my name. My name I use for everyday personal and business purposes is XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit Reporting Act, 15 USC 1681i ( a ) ( 1 ) ( A ). Can you reinvestigate the completeness and accuracy of list accounts below inquiry details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  hard inquires