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

Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00}, for every violation.

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). 
" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Transunion and XXXX etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. 
Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

313.1 Purpose and scope.

( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.

433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 Experian XXXX and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc XXXX. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting

There are XXXX negative items on my credit report of a Foreclosure and a Bankruptcy. The foreclosure was never foreclosed on and probably never will because I believe it is Fraudulent. I am consulting with attorneys to start a Damage Claim Lawsuit because of this. The bankruptcy was a result of the foreclosure. Both of these items have caused me a great deal of Damage by being on my Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX refuses to update. I files ftc reports against them. I have automatic payments on my account it closed and automatic paymnets where still set upupdated but XXXX and Equifax refused I was never late I had automatic paymnets
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 has violated my rights. 

I looked at my Experian credit report on 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 general, 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, credit repair services, or other personal consumer reports

I have tried to fix this problem on multiple occasions. It seems nearly impossible to get any assistance from XXXX on the matter considering I can not get a real person on the phone. I have called the other agencies but they still havent taken everything off, I have filed a complaint about fraudulent information be reported on my consumer credit report and it seems that some of it is still on my report.I would like the following items removed from my consumer credit report... 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX These are 2 hard inquiries that was supposed to be erased as well... 

XXXX XXXX XXXX Also, I have never given any permission to report late payments for this account and this account has been charged off as of XXXX of XXXX. 

This is a violation according to 18 USC 1681a section 2
Product: Checking or savings account

Im writing to file a compliant against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where the transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting act 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 Reporting act 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 Reporting act 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 Reporting act 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 Reporting act 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 Reporting act 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 Reporting act 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 Reporting act 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
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries listed in my report were inaccurate. I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting

The city of XXXX XXXX sent my name to collection for {$240.00} with XXXX XXXX. They called to collect. I advised them that I have never been in or near the city of XXXX XXXX and asked them to provide the information regarding the amount they are trying to collect from me. They were provided with my address information and the information was never sent to me. They have added this as a new collection to my credit report.
Product: Student loan

In  XXXX   XXXX  I learned about the  Public Service Loan Forgiveness Program  ( PSLF ) through  one of  my professional magazines and called them. I found out that my current 'program ' had not been sending my payments of {$230.00} to  XXXX . I had been paying them through automatic debit since about  XXXX   XXXX . I immediately cancelled payments from my bank and applied for the PSLF. I began inquiring about the monies paid. Where was the money and why was n't it sent to  XXXX . My loan amount was about  XXXX  in the beginning and it was now  XXXX ! I was told my money was in an escrow account until they found the right program for me. I was given a breakdown of collected fees and total collected was {$5900.00}! We debated about a refund they initially offered {$1500.00} and final offer, which was paid {$3100.00}. They se nt 2 checks one for  {$220.00} and {$2800.00}. I deposited them    XXXX   XXXX   XXXX  . I c alled the Better Business Bureau  of C A during this process and they advised me to file a complaint after the checks cleared. The checks cleared on    XXXX   XXXX   XXXX  . T here is a balance of {$2800.00} that I believe I should have refunded. I was never placed in a student loan program and my student loan debt is higher than it was at the start. They did not pay my loans as agreed upon and this is very unfair to students trying to comply with repayment options.
Product: Checking or savings account

I believe that BOA has practiced deceptive practices and violated my rights. I believe that identity theft is taking place. I am the secured party and original account holder. When this account was created they placed me on the " debtors '' side of the ledger. I am a living man of this land and I am the " creditor '' of this account according to XXXX definitions. This account was created with my autograph which then created a promissory note. When I make a " transaction '' that then creates an " obligation '' according to 18 U.S Code 8 and House Joint Resolution 192 the " United States '' is responsible for all obligations and debts. I do not live in the " District of Columbia '' nor do I live in the XXXX definition of a " State '' either. I also have a business account with BOA and I do not hold public office according to their definitions of " Trade or Business '' this is deceit on behalf of " WE THE PEOPLE '' who conduct business with BOA. 

Reference : HJR 192 26 USC 7701 ( a ) ( 9 ) 18 U.S. Code 1342 12 U.S. Code 83 15 U.S. Code 1 7 CFR 1956.54
Product: Credit reporting

Please remove hard inquiries from in account, not all are applicable. I 've never had dealings with Equifax mortgage solutions, do not have mortgage nor do I need one. I dislike that this reporting lowers my credit score. Also, I do n't understand why my credit cards represent a negative. My history is clear ; I always pay my accounts in full monthly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with fair credit reporting act XXXX XXXX XXXX  has violated my rights. 
15 U.S.C. 1681 section 602 A States I have rights 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 instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am writing to dispute fraudulent charges on my account for the account numbers, amounts and dates listed. I am a victim of identity theft, and I did not make these charges. I request that you remove the fraudulent charge and any related finance charges from my account, send me an updated and accurate statement, and close the account ( if applicable ). I also request that you stop reporting this inaccurate information and report the correct information to all of the nationwide credit reporting companies ( CRCs ) to which you provided it. 

Enclosed is a copy of my FTC Identity Theft Report, credit report, and account statement showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the Notice to Furnishers of Information issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRCs. 
Please investigate this matter and send me a written explanation of your findings and actions. 
Sincerely, COMPANY ACCOUNT NUMBER AMOUNT DATE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

In XXXX of XXXX I was the victim of identity theft. 
Capital One Auto took two unauthorized withdrawals ( ACH ) from my checking account XXXX at XXXXXX/XX/XXXX in XXXX Wisconsin. The first on XX/XX/XXXX for {$1300.00} Capital One 's reference number on that withdrawal was XXXX XXXX. The second on XX/XX/XXXX for {$1300.00} Capital One 's reference number was XXXX XXXX. I contacted Capital One and they siad I should fax the documentation to XXXX which I did on XX/XX/XXXX. They told me it would take up to 45 days to get my money back. I never received the money back. On XX/XX/XXXX they attempted another ACH in the amount of {$1300.00} their reference number Carpay XXXX. My bank refused the transaction. 

I did file a report of identity theft in XX/XX/XXXX with the FTC and my local police department. 

I waited 45 days to follow up on my claim with them but I did not keep a log of my calls. I should have, but all of them ended up with me not getting to talk to a person that could or wanted to help me. 

I attempted to contact Capital One ( numerous ) about the status about the first two withdrawals but all attempts to get help failed, no one said they could help. After voice prompts and finally getting to talk to a person several times they said they would transfer me to someone who would help, but all I got was 15 minutes of music each time, then 3 clicks and the call ended. 

I again faxed them on XX/XX/XXXX ( the number they gave me back in XXXX ) and asked for them to contact me, and I lincluded documentation for all three fraudulent ACH 's. I am not getting any response. 

My attempts to talk to someone at Capital One yesterday XX/XX/XXXX and today XX/XX/XXXX also failed to get any action or hope of contact. 

I did recover unauthorized ACH 's from numerous other companies and banks back in XXXX, but nothing from Capital One Auto. I am frustrated that every time I attempt to call them I get a dead end. Clearly they can tie these withdrawals to the person that initiated them and apparently they didn't even bother to investigate my first claim or flag the loan that the payments were paying as suspicious. 

My original fax to Capital One only contained documentation for the first withdrawal, I mistakenly assumed both would be refunded, but neither of them were refunded. 

Clearly they are able to identify the person that initiated the withdrawals but obviously they don't care to. They a facilitating theft. they claim to care about fraud, but they don't.
Product: Vehicle loan or lease

In XX/XX/2017 my XXXX XXXX XXXX had GM Financial as an autopay account in the amount of {$400.00}. XXXX XXXX issued the check and removed the funds out of my account. This had been established and working for months prior and after. Apparently GM financial claims to not have received the check. GM Financial did not inform me they didn't receive the check until 60 days later. I provided them with my bank statements and autopay history to show them the check was sent and the funds were removed from my account. When they could not find the check I stopped payment and reissued a check which was received. They are continuing to report that I was delinquent on my account for the months of XXXX and XXXX when I did issue the check and have it mailed to them at the correct address. I never missed a payment or was late on any payments before and I am upset they did not inform me before the account was 60 days delinquent. I believe they lost the check and I am being reported negatively on my credit score for it when I have always paid my lease on time.
Product: Checking or savings account

I attempted to make a cash deposit of XXXX to XXXX XXXX XXXX  ( who I bank with ) on XX/XX/XXXX however the ATM was out of service. I had made withdrawals at US Bank ( who I do not bank with ) before because the ATM was under the XXXX XXXX XXXX, so I assumed I could also make deposits. I made the cash deposit at US Bank instead at and received a recepit. Over the next few days, the deposit was never credited to my account. I assumed it would take a few business days so I waited. On XX/XX/XXXX, I called US Bank customer service and was told I needed to contact my own financial institution since I was not a customer there so XXXX XXXX Bank would need to start a claim with them. I contacted XXXX XXXX Bank on XX/XX/XXXX and was told they could not do anything, it was US Bank who would have to return my money from the ATM as it was their issue. I went in person to a US Bank branch on XX/XX/XXXX and the customer service representative told me they were not responsible because I was not a customer of theirs, that it would have to be my bank that would need to fix the issue. I went in person to my bank on XX/XX/XXXX and was told they would contact US Bank to try to resolve the issue. It is now XX/XX/XXXX and neither institution has fixed the problem. I just want the funds. US Bank has been extremely unprofessional. They have tried to get rid of me at every turn, simply because I am not a customer of theirs. I understand I made a mistake and I own that, but I have proof I made the deposit and they could simply verifiy with my bank that the funds were never desposited. Instead, they simply brush me off and tell me they 'ca n't do anything '. Why try to steal my money? It's just XXXX. If they are stealing that little from me I don't want to know how much they are stealing from other people!