23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my FIFTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite four previous 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 first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) 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. 

XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$880.00} or XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXXXXXX Open Date XXXX XXXX, XXXX Balance : {$290.00}.
Product: Credit reporting or other personal consumer reports

American Recovery Service Incorporated purchased the debt from the original creditor. So now I am requesting for the purchase agreement. Under the law I am entitled to received such information, I can't pay for a debt I no longer own and I never enter into agreement with American Recovery Service Incorporated. And also the amount reported on my credit report is inaccurate I do not owe said amount. I am asking again for the negative reporting to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX 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
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX from a dealership named XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, NJ XXXX, back in XXXX. I paid {$6000.00} cash the day I purchased it and financed {$7900.00}. 

I was told there were no mechanical problems, he ( XXXX the car dealer ) had his mechanic check the car thoroughly inspect the vehicle and it was in perfect mechanical shape. 7 months later the engine blew due to a manufacturing defect that XXXX lost a class action lawsuit over. XXXX denied responsibility and told me I had to contact XXXX XXXX, which I did and they put the responsibility back on the car dealer because there was a 10 year window to have the car fixed for free, which was never fixed, and the window closed about a month and a half before I purchased the vehicle. I contacted XXXX about this to never hear from him again. 

Also, XXXX XXXX told me I needed to get the vehicle diagnosed through an official XXXX dealership, which I then did. I brought it to XXXX XXXX. They conveniently misdiagnosed my vehicle not once but twice, told me I'm under the mileage for my warranty, so we waited 2 months for my warranty company to come out and deny my claim for mileage reasons. Then after being lied to, XXXX proceeded to try and extort me for their misdiagnosis, telling me I owe {$1500.00} for the XXXX hours of labor they put into the car. I told them I don't agree and I will not pay for their mistake that has cost me already thousands. They have had my car now over a year, close to a year and a half. 

I received a phone call from the woman ( XXXX XXXX XXXX at XXXX XXXX who tried to extort me, telling me that due to a state inspection they had, they decided to put the engine that they wanted {$1500.00} for taking out of the vehicle, back into the vehicle so they didn't get in trouble and when would I be making the payment to release my vehicle... I was very angry, at the end on the phone call she told me that she would be charging me a storage fee daily. 

I'm so appalled by both of these companies, they've completely screwed up my entire life, I had a XXXX XXXX XXXX before all this, now I have almost {$20000.00} in debt for a vehicle that should've never been sold in the first place. Please help..
Product: Checking or savings account

They closed my CD Brokage account by force. Also closed my personal banking account and accused me of fraud and it caused me emotional distress. Bank willfully engaged in negligence, financially abused me as an XXXX  person.
Product: Mortgage

My home loan was going to reach maturity date but was not going to be paid off. Bayview loan offered to modify the loan where the payments would be reduced to {$190.00} with the first payment due on XX/XX/2019 and then due on the first of each month. I was advised no payment was due in XXXX due to the modification. 

Bayview continues to send " get back on track '' offers. They call my husband and me multiple times a day. When I call them they advise me I owe for 4 months as I am 4 months behind. But then I confirm I am not four months behind. The " speciality dept '' says the " regular '' dept has not been trained and they are not able to help me. However, they keep reporting my loan late to the credit bureaus. My loan has been current for months and yet they just recently reported it 90 days late when it is not. The telephone calls, late notices, foreclosure notices and the major hit on my credit report is unacceptable. I am current on my loan but they refuse to update their system.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$1900.00}XXXX XXXX XXXX  XXXX Balance : {$3200.00}
Product: Checking or savings account

This year I 've been scammed by two different XXXX insurance  companies. The policy numbers exist only within those companies to bill me. There is no actual insurance that can be used. XXXX XXXX and XXXX XXXX. I have pleaded with Wells Fargo and they have ignored my story. Last charge to my debit card was for XXXX dollars. I initiated a dispute and Wells Fargo closed it immediately. They stated that I did not cooperate. They ambushed me at the branch on the phone in an unprofessional and completely inappropriate way that prevented me from handling the situation. Both of these companies are real, yet neither providing a usable policy. Wels Fargo claims that my purchases are protected from fraud and clearly that 's a lie and false advertising.
Product: Credit reporting or other personal consumer reports

I recently discovered that my credit card information was stolen, and Ive contacted the relevant agencies, including XXXX, XXXX XXXX, XXXX, and XXXX XXXX, after learning about their data breaches. Despite being part of a settlement for these breaches, the theft has had a significant impact on my credit score, which is now being negatively affected. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies on my credit report, and the credit reporting agencies are required to investigate and correct any errors. The FCRA also mandates that consumer reporting agencies maintain accurate information and resolve disputes within 30 days. 

I am taking all necessary steps to protect my identity and credit, and I appreciate your attention to this matter.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

I have only been a BOA customer for about 3 months. From the start up until now it has been a complete headache. I am completely dissatisfied with the companies response to my issues. Unknown payments have went through my account when I called BOA they suggested I place a stop payment and I agreed 2 weeks later this same company still managed to take another unauthorized payment out of my account when I informed BOA i was told they submitted for a different amount is the reason it was able to go through However this did not make sense to me because if the company is the same company that should be enough for the stop payment to take precedence and again there was no resolution to this problem. I also have experienced when locking your debit card even though its locked transactions with the debit card can still be processed when I notified BOA all I got was an apology again no resolution. I have been inconvenienced with monies taken out of my account with out my authorization and it has caused me to fall behind on other bills. BOA does not have a system in place where it can properly service customer issues and create a resolution .I would never recommend this bank to anyone and if I have to i will seek legal counsel
Product: Consumer Loan

on XXXX XXXX i was at Lexus of XXXX Because i was offer a # months waiver so there is only one 1 payment of $ XXXXwhit Lexus Financial Services and o a new lexus ct200h my payments was {$440.00} at months for 36 months at XXXX miles per year whit Lexus Financial Services so far today is XXXX XXXX and there is no answer of approval or declining this deal and i feel is because my XXXX background
Product: Credit reporting

I attempted to obtain my free annual credit report from Equifax. I provided all of the essential information that Equifax requested. They replied that I would have to submit sensitive personal documents through the US Mail to them before they would further consider my request. First, if I have to spend money for postage that does n't sound like a free report to me. Additionally, a private company could give the same information that I gave and instantaneously receive back the same report without question. I then opened a dispute calmly stating that I would be contacting the FTC should they not comply. They responded back that I would either have to telephone or contact them by mail to obtain my free report. I even gave them additional time to complete my request before filing this complaint today, so they had a chance to make this right and knew that I might involve the FTC -- and they blew it off anyway. Why? Maybe because they think the rules do n't apply to them. Trying to obtain something that is supposed to free online with no strings attached should n't include an ordinary citizen having to jump through bureaucratic hoops just because they 're not a big company. I 'm glad I fought back even though they may retaliate against me because it 's time to stand up for our legal rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked the US Courts and XXXX XXXX to verify a bankruptcy that is reporting on my credit report. I was advised by both sources that it was unverifiable and should not be reporting. I received letters back saying that it was deleted but i still see it being reported and i know that this is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

PREV COMPLAINT XXXX XXXX ALLEGED LATE PAYMENTS XXXX says ask XXXX/XXXX   to correct, XXXX says not their problem ask XXXX. XXXX SAYS they are out of business go to XXXX. 
No one will accept responsibility yet I have proof payments cleared my account on a timely basis, see attached XXXX/XXXX  bank statement. 
This inaction has damaged my credit reputation & the ability to secure a new conventional/FHA mortgage.
Product: Debt collection

I was reviewing my XXXX  credit report. I have a credit card debt and midland funding/midland management credit bought the debt. This debt is more than seven years old. I spoke to someone two weeks ago and was told I owe {$2200.00}. But on my credit report it states I owe {$1700.00} when I disputed the debt with XXXX the debt was raised to {$1800.00} on my credit report within two weeks. I requested an itemized bill for the debt. I spoke to XXXX XXXX he refused to send me an itemized bill. I requested this two weeks ago and was told they will send one out. I believe they are fraudulent because they have an XXXX accent but giving me American names? XXXX XXXX also stated the debt was opened sometime XX/XX/XXXX. This debt is over 7 years older which should be removed from my credit report but XXXX XXXX told it will stay on my credit report and interest will continue to accumulate? XXXX XXXX lied and told me a judgement was filed against me in XXXX but I never received any paperwork or there is nothing on my credit report indicating a judgement. I called XXXX courts they stated there is no or never was judgement against me in XX/XX/XXXX. So XXXX XXXX proceeded to tell me the judge charging for paperwork which is an additional {$500.00}. I requested all information XXXX XXXX refused to mail anything out because I refuse to agree to the balance. By law after 7 years this should have been removed along with the derogatory remark.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX Acct # XXXX balance {$13000.00} opened XX/XX/XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX  XXXX Acct # XXXX Opened XX/XX/XXXX Balance {$470.00} XXXX XXXX  Acct # XXXX Opened XX/XX/XXXX Balance {$11000.00} XXXX XXXX  Acct # XXXX opened XX/XX/XXXX Balance {$23000.00} XXXX  XXXX Acct # XXXX XXXX XX/XX/XXXX Balance {$260.00} XXXX XXXX Acct # XXXX XXXX XX/XX/XXXX Balance {$4500.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX 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

Fraudulent Inquiries : XXXX. XXXX, XXXX Date : XX/XX/XXXX XXXX. XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX, XXXX Date : XX/XX/XXXX XXXX. XXXX, Inquiry Date XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and/or view my credit report. In addition, I did not give you ; TransUnion, written permission or my consent to furnish this information onto my credit report or consumer credit file. 

This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is also a serious breach of my privacy rights. 

Please delete these fraudulent inquiries immediately from any records that are on your system or validate these inquiries by providing me with copies of any documentation associated with these accounts bearing my signature and/or my written permission authorizing an inquiry, per Federal & State statutes. 

Furthermore, I also demand you, TransUnion produce a contract between you and I bearing my signature showing that I gave you permission to furnish any information on my behalf. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611
Product: Money transfer, virtual currency, or money service

Starting XX/XX/2023, money was being taken out of my account due to a fraudulent scam that I was involved in. The scammer kept taking money out of my account on the belief that I was able to get my money back with some interest from an investment that they were doing. After about a month, {$11000.00} was taken out of my account with nothing in return. I messaged the scammers about returning my money, but because they were scammers, they never replied to my message about returning my stolen money. I later spoke to the Cash App department about my situation, but they were unable to help since the transactions had already gone through and they were not able to stop the pending transaction they told me that the only way to get my money back was to ask the recipient to send back the money. I explained to them that I was involved in a fraudulent scam but the Cash App department would not even try to help me and told me to contact my bank, which I did before calling Cash App. I also already had a police report made before contacting Cash App.
Product: Credit reporting or other personal consumer reports

Equifax continues to exhibit a consistent pattern of willful noncompliance with the Fair Credit Reporting Act ( FCRA ). Despite receiving multiple dispute notifications and clear evidence of misleading information reported, Equifax has repeatedly failed to conduct proper ( re ) investigations as required under 15 U.S.C. 1681i. Furthermore, Equifax has failed to implement and maintain processes and procedures to ensure maximum possible accuracy in the credit files it maintains regarding Consumer, as required under 15 U.S.C. 1681e ( b ). Equifax has also failed to correct or delete information it could neither verify nor correct for the XXXX XXXX ( XXXX ) account/tradeline, in violation of 15 U.S.C. 1681i ( a ) ( 5 ). 

Between XXXX XX/XX/XXXX and XXXX XX/XX/XXXX, Equifax received several detailed dispute notices from Consumer apprising Equifax that the collection account needed to be removed due to both FCRA and FDCPA violations. After conducting an investigation and reinvestigations, Equifax continues to persist in reporting the false, misleading, inaccurate information in the files Equifax maintains regarding Consumer. Most alarming is that on XXXX XX/XX/XXXX, the Collection agency noted it would " begin its investigation shortly, '' yet Equifax purports to have finished its initial investigation and reinvestigations by XXXX XX/XX/XXXX. A subsequent reinvestigation by Equifax on XXXX XX/XX/XXXX ( XXXX ) concluded on XXXX XX/XX/XXXX with no reasonable reinvestigation conducted and perpetuation of the XXXX account/tradeline without a Date of First Delinquency ( removed on or around XXXX XX/XX/XXXX in response to myEquifax Dispute Confirmation XXXX ). 

Under 15 U.S.C. 1692g ( b ) of the FDCPA, when a Collection agency receives a dispute notice from a Consumer regarding the alleged debt, the Collection agency is required to cease all collection efforts UNTIL the debt can be verified and validated. Thus, as the alleged collection item has neither been verified nor validated by the Collections agency, and Consumer has filed a direct dispute to which the collections agency has responded stating it will " begin its investigation shortly, '' it is unlawful under the FCRA and FDCPA to report the collection item in credit files Equifax maintains regarding Consumer. The information is misleading in such a way and to such an extent that it [ could have been ], expected to have an adverse effect [ on the consumer ] ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ( XXXX Cir. XXXX ) ). Consequently, Consumer has suffered harm.