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

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intendto pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Someone claiming to be from XXXX has been calling constantly for about 2 months- most recents are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I've called their number ( XXXX ) XXXX ) several times, and just get a voice menu to pay now or set up a payment plan. I visited their website, and it lists a debt of {$1300.00} to XXXX XXXX, and a immediate payoff of {$390.00}. I've never even heard of that company! After having visited their website this morning ( XXXX ), I've gotten 3 text messages saying they noticed that I visited their website ( XXXX XXXX and didn't select a payment option. On top of that, for the last 2 months, they have also been contacting my relatives!
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for this account. 

ACCOUNT : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks, Fair Resolution!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a customer of XXXX for over two decades. 

I had always used my own credit card. 

I was recently offered an XXXXXXXX XXXX XXXX via XXXX XXXX  with a promise of a " SOFT ENQUIRY ''. 

I accepted the offer assuming it was a Soft Enquiry. 

However, it is now showing up as a HARD ENQUIRY and thus adversely affecting my credit score.

I would not have agreed to the Card had I known it was not going to be a Soft Enquiry.
Product: Credit reporting or other personal consumer reports

Experian Replied to my initial fraud complaint about the company furnishing information that was fraudulent I then requested the company Experian to produce the steps they took to verify, the said accounts from my original fraud and ftc complaints and I have received a reply XX/XX/year> with a reply being they contacted the original creditors and the accounts disputed have been updated BACK ON XX/XX/XXXX l a Requested that there were Fraudulent negative items appearing on my EXPERIAN CONSUMER credit report in addition to filing a CFPB complaint | ATTACHED an affidavit from the FTC concerning these accounts. 
Instead of honoring the FCRA UNITED STATES CODE FCRA 605B ( 15 U.S. C 1681 c-2 ) Experian Took into their own process of verifying accounts listed under the FTC affidavit and determined these said accounts were Validated and instead of removing these accounts they corrected false information that was previously reported on the EXPERIAN investigation they did not fully investigate all the accounts located on the FTC affidavit only one fraudulently reported account investigated and unlawfully deemed VERIFIED and EXPERIAN returned false information that the other two accounts located on the FTC affidavit were not on my credit report which they are currently reporting these accounts
Product: Credit card

I was contacted by the credit karma company by phone about a credit card application that I denied 2x because I was not applying for this. I then received multiple emails stating that my phone number and address had been changed on my intuit credit karma account which I did not do. Also received an email stating that my account was accessed by a new device and that it had been added to and XXXX XXXX. Which I did not do. I had 15 transactions of a total of {$2300.00}, it appears to all be made to the same cash app account, that I do not know. And I didnt make these changes or these transactions. I have been dealing with XXXX credit karma for weeks now and have disputed these transactions. They denied 8 of them saying that I authorized these transactions which is incorrect because I did not authorize them, I have requested for them to be appealed and have not gotten anywhere with this company. As for the other 7 they show that they are still pending.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been allowing XXXXXXXX XXXX to report false information on my report without a proper investigation for years. XXXX XXXX  illegally repossessed my vehicle XX/XX/XXXX. I stopped paying XX/XX/XXXX after requesting verification of my balance. Which they would not supply to me. XXXX has falsely and knowingly reported information on my credit report for years. When I dispute XXXX will change a number ex XX/XX/XXXX 120 days late to 160 days late and XXXX says its valid. XXXX has opened and closed the account many time. Most recently changing it to closed XX/XX/XXXX dropping my score 40 pts. XXXX   has always stated this a valid and verified according to the fair credit reporting act. This account has been closed for years. XXXX once reported to Experian that I owed {$2300.00}, changed the date opened and that was validated by experian for months until I spoke to the attorney general in ma. I just want valid and verified information reported on my reported. I have tried to get answers about how my disputed information was verified without answers. This should be illegal but it seems as long as XXXX or whoever else just changes a number when info is disputed the credit agencies state its valid without any type of actual verification. This has been happening to me with XXXX and the CRAs for years. Do I really need to get a lawyer because these companies can report whatever they like while the CRAs verify whatever is reported without any type of information. This needs to stop and it needs to stop now. Im tired of being told false information about me is valid and theres nothing I can do about it. Now I cant dispute that my 10 year old account was closed 2 weeks ago because I already disputed and it was deemed valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dispute this account never did business with this company XXXX XXXXXXXX XXXX XXXX  or anytime fitness this was identity theft my brother stole my identity XXXX XXXX XXXX be going through this for a year now
Product: Credit reporting or other personal consumer reports

I paid off a {$14000.00} auto loan and Equifax lowered my score by XXXX points. HOW THE XXXX DOES THAT MAKE SENSE!?!?!?!?!?!?!!!???!!? Looks like time for another class action lawsuit against Equifax. WHY ISN'T CFPB DOING ANYTHING?????????
Product: Debt collection

OAC was contacted by XXXX Credit Reporting regarding a dispute I filed and indicated to XXXX that the debt was still active. OAC has placed a debt on my credit report in error and sent me a letter indicating their error. This debt was sent to OAC collections in error by XXXX XXXX XXXX. TransUnion will not remove this debt from my credit report because OAC provided the false statement that this debt is still active. I have attached the letter I received from OAC indicating their error and false statement indicating they have sent notification to the credit bureaus requesting they delete this item.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX Original XXXX : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4500.00} ; XXXX  XXXX Balance : {$79.00} ; XXXX XXXXXXXX Balance : {$170.00} ; XXXX XXXX Balance : {$89.00} ; XXXX XXXXXXXX Balance : {$50.00} ; XXXX  XXXX Balance : {$74.00}.
Product: Money transfer, virtual currency, or money service

Hello. I am reaching out because I have a previous Cash App account and a current cash app account. My sibling sent money to my old cash app. She is unable to receive a refund via her own cash app account due to their fine print when making the account. As I am attempting to regain access to the old account, I am not providing the correct information to confirm my identity or so they explain yet I have sent my full name, social and address PLUS everything they asked for step by step. They explain they can ATTEMPT to access my account again but if unsuccessful, I can not have access to the old account, new account AND she will not receive her money. I explain I do not want to even take the chance to risk it because clearly any information I provide will be denied and then I will be told you were explained we were unable to do anything further. Their customer service answer is copy and pasting the rules they have sent over and over as if I can not read. I ask for upper management and I am told there isnt any. I insist my legal team will reach out and THEN they have a manager reach out via customer service but in email. They are denying me access to the money and denying refunding her the money even though they can see and move the money ( they explained they can TRY to send ME the money but IF unsuccessful then I will lose the money ). After hours of going back and forth explaining they are not providing proper or legal service and will have my legal team contact theirs and explain I was making a report to the CFPB, THEN they send me the money to my new account from my old account WITHOUT MY PERMISSION.
Product: Checking or savings account

XXXX, WellsFargo, XXXX XX/XX/18 : I sold a handbag on XXXX for a total of {$410.00}. 
XX/XX/18 : XXXX received {$410.00} that Icouldnt actually access. I refunded the buyer {$31.00} because she didnt want to pay sales tax and then I refunded the remainder of the money and sell the bag to someone else. I had already paid for and printed the shipping label. I canceled the order on XXXX, refunded the buyer via XXXX ( as instructed ), and voided the shipping label. 

XX/XX/18 : I woke up to realize my Wells Fargo checking account was overdrawn. They were VERY QUICK to take money FROM ME to cover the refund but they STILL HAVENT released the original payment amount to me! Wells Fargo debited my account to cover the transaction ( meaning I dont have any funds to pay any of my bills ) but XXXX still shows everything as Pending! 

XX/XX/18 : Wells Fargo charged me a {$35.00} overdraft fee for the transaction. So the took my money and charged me a fee within a day yet somehow the transaction is STILL NOT COMPLETE. Why am I the last one to receive access to payments TO ME!?

Wells Fargo has also recently started rejecting automatic online bill payments then charging a {$35.00} Return Item fee. I originally turned off overdraft services to avoid the {$35.00} Overdraft Fee but was told I was still being charged multiple overdraft fees because they still authorize transactions like car payments. So by the time I got used to that ( I.e. theyd already gotten a few fees from me ), they started REJECTING those same transactions that would have resulted in additional Overdraft fees AND charged a {$35.00} Return Item Fee! Dishonest and a manipulation of customer expectations!
Product: Checking or savings account

PNC Bank allowed a merchant XXXX XXXX XXXX to withdraw money from my closed debit card. A fraud alert was placed on this card due to a dispute with this merchant. The debit card was closed in XX/XX/XXXX and the merchant was able to still withdraw money using the closed debit card in XX/XX/XXXX. This transaction wasnt authorized neither was it a revolving payment and most importantly, the debit card was closed. PNC refuse to accept responsibility for their error and credit my account accordingly. Ive filed 3 disputes with PNC but of course they have denied all 3 leaving me hanging to deal with their mistake.
Product: Credit reporting or other personal consumer reports

12 US Code 1431 ( b ) Issuance of XXXX XXXX XXXX XXXX XXXX  debentures ; Restrictions The office of finance as agents for the ( banks ), may issue consolidated ( XXXX XXXX XXXX XXXX  ) debentures which shall be the joint and several obligations of all ( XXXX ) organized and existing under this chapter, in order to provide funds for any such ( bank ) or banks and such debentures shall be issued upon such terms and conditions as such office may prescribe. 

XXXX as used in this chapter ( 1 ) ( A ) Bank. The term XXXX XXXX XXXX XXXX or XXXX  means a bank established under the authority of this chapter. ( B ) Bank system. The term XXXX XXXX XXXX XXXX  XXXX means the XXXX XXXX XXXX XXXX  under the supervision of the Director.

Director as used in this chapter ( 11 ) Director. The term Director means the Director of the XXXX XXXX XXXX XXXX. 

Debenture ( debt instrument ) in corporate finance a debenture is a medium to long term debt instrument used by large companies to borrow money at a fixed rate of interest .The legal term debenture originally referred to a document that either creates a debt or acknowledges it. 

In summary the banks borrowed your information and submitted it for some money without your consent which is I.D theft and now trying to put interest on it to make money. 

12 US CODE 1431e ) Acceptance of deposits ; restrictions on transaction of banking business ; collection and settlement of checks, drafts, etc. ; charges ; rules and regulations ( 1 ) Each XXXX XXXX XXXX XXXX shall have power to accept deposits made by members of such bank or by any other XXXX XXXX XXXX XXXX  or other instrumentality of the United States, upon such terms and conditions as the Director may prescribe, but no XXXX XXXX XXXX XXXX  shall transact any banking or other business not incidental to activities authorized by this chapter. 

So if you get a loan from the bank they get all your information you give them consent to your credit card which is your social security # and then turn around and they give your information to the office of finance or whomever for the loan without your consent Thats identity theft and they mislead you so there true intention of the transaction is false which is a violation under 15 US Code 1611 whoever willfully and knowingly 15 us code 1611 ( 1 ) gives false or inaccurate information they willfully and knowingly lied bc they know they can not themselves out of their bank account give you money for the loan.

Also a violation under 15 us code 1681eb 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. 
This bank is reporting to the agencies that they gave me a loan when they cant lend money so now it is not being reported 100 % accurate and must be removed.
Product: Debt collection

Around XXXX of 2019, I sent a letter to Southwest Credit Systems about a debt I allegedly owe, for not returning some cable equipment from XXXX, I have asked repeatedly for verification of this alleged debt, have received no response, I have even made an offer and attempt to pay, so it can be taken off my credit report, and was refused. I have returned the cable equipment so this alleged debt should not even be owed
Product: Credit reporting or other personal consumer reports

Dear LVNV FUNDING, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and the Missouri Credit Reporting Act.

It has unequivocally come to my attention that LVNV FUNDING has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law provides specific protections for consumers regarding credit reporting. These laws emphasize the necessity of consumer consent for credit reporting and establish clear guidelines for the fair reporting of consumer credit information.

I assert with unwavering certainty that I have not provided consent for LVNV FUNDING to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that LVNV FUNDING immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and the Missouri Credit Reporting Act. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that LVNV FUNDING will promptly rectify these egregious violations, respecting my rights under federal and state laws.

Done in good faith.
Product: Debt collection

I received a letter from Blitt & Gaines PC about a debt in early XX/XX/. It was a debt validation letter. I chose to respond requesting more information. On XX/XX/XXXX  I was notified that someone was trying to serve me court documents at my home. I contacted Blitt & Gaines immediately. After speaking with one of their agents I learned that there was some issue with a bank ( not sure what ) that has prevented them from responding to my request. I am confused as to why I am being sued when Blitt & Gaines PC has yet to fulfill my request. It's been more than 2 months.
Product: Debt collection

See attatched CFPB USAA RESPONSE dated XX/XX/XXXX CONFIRMS NO CREDITS PROVIDED. Ms XXXX Confirms USAA HELD ME LIABLE FOR {$470.00} XX/XX/XXXX. One month later XX/XX/XXXX See attatched CREDIT CARD FRAUD CLAIM of XX/XX/XXXX COMPLETED INVESTIGATION CONFIRMS UNAUTHORIZED TRANSACTIONS. USAA HAS NOT PROVIDED THESE CREDITS. Kindly Note all the CFPB responses claiming CREDITS WERE PROVIDE BUT NEVER NEVER GIVE DICUMENTATION OF STATEMENT PERMANET CREDITS APPLIED BECAUSE THEY LIED TO CFPB Clearly usaa held me liable since XX/XX/XXXX for UNAUTHORIZED TRANSACTIONS. See attatched USAA review of these fraud charges *REVIEW OF YOUR CLAIM IS COMPLETE* XX/XX/XXXX ( No Fraudulent Activity Found ) After Review of Your Claim. USAA IS DISHONEST DOES NOT RESOLVE FRAUD. LEAVES CONSUMERS LIABLE FOR UNAUTHORIZED TRANSACTIONS. USAA HAS COLLECTED ON AND DESTROYED MY CREDIT FOR THESE UNAUTHORIZED TRANSACTIONS.
Product: Credit reporting or other personal consumer reports

I DONT RECOGNIZE OR ATHORIZE THESE INQUIERES XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Victim of equifax security breach https : XXXX Trusted them with this information and they failed their duties as a company to protect my information.