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

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices.

Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX XXXX XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX XXXX XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Product: Checking or savings account

Dispute Confirmation Number # XXXX XXXX XXXX charged off my account Due to an unauthorized charge from XXXX for XXXX This is an phone call I made in XXXX probably between XXXX XXXX When I communicated with an representative at PNC Bank XXXX XXXX the XXXX was told I had to wait for it to XXXX I told myself in for an warrant for my arrested on XXXX XXXX want this fully Investigated.I want my accounts reopened.Im not an risk to bankI will file a civil suit in federal court US District Court.If I have too I want to be removed from all and any consumer reporting agencies.Whether it be Early Warning or XXXX XXXX want this fully investigated acd removed XXXX do I access the provisional credit if my account is closed. 

My new telephone number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Cardinal financial sold my mortgage to XXXX on XX/XX/XXXX of 2022, I was never sent a letter to inform me of this change. I had my bank account set up to auto draft my payment every month. I had been in my house over 14 years and have never missed a payment. When my bank sent the payment to cardinal after they had sold the account cardinal sent the payment to XXXX. Then the next month when cardinal received the payment they sent it back to my bank. I was not aware of the change until my bank contacted me and told me the payment had been returned. I contacted cardinal who told me they had sold the account. Then I contacted XXXX at which time the payment was already late. XXXX told me that if I provided them with proof that my bank had sent the payment to cardinal on time and a good faith letter from cardinal admitting it was their mistake they would amend the credit report. I sent them both of those things and they refuse to fix the missed payment report. I have USPS reporting that sends me a email of all my mail, I never received a notice that my mortgage company had sold my mortgage and that I needed to take action. 

Cardinal should have never returned my payment. They should have sent it to XXXX and contacted me to ask why my bank was still sending the payment to them. 

My missed payment for XXXX needs to be fixed on my credit report.
Product: Credit reporting or other personal consumer reports

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant tol5 USC Section 168li of the Fair Credit Reporting Act of XXXX. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 
Account Number Comments Company Name XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX {$5600.00} -Fraudulent account Remove all fraudulent 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 XX/XX/XXXX Section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnishers ) of that information.

Also, 15 USC Section 168li ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report.

Additionally, 15 USC Section 1692c ( c ) states that if a consumer notifies a debt collector that the consumer refuses to pay a ( fraudulent ) debt, the debt collector must cease all communication.

Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.
Product: Credit card or prepaid card

I am filing a complaint on Capital one cause I have had an account opened in my name fraudulently and I sent the police report and fraud affidavit to the credit bureaus and they had blocked the account From my credit profile, but capital one submitted a unblock request to the credit bureaus and I have been unable to resolve the issue on my credit report
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally dispute and seek your assistance in the removal of unauthorized inquiries from my credit report, specifically in relation to Transunion, one of the major credit reporting agencies. I believe these inquiries were made without my consent and are in violation of the Fair Credit Reporting Act ( FCRA ). 

Inquiry Information :
Product: Debt collection

I sent them a Cease and Desist letter but, their Still trying to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I'm not sure what's going on but I was told that this charge off account from XXXX XXXX XXXX XXXX through XXXX ending XXXX would be removed from my credit. I'm not sure why you keep saying that you already investigated this account as accurate and remains, because it continues to report incomplete, inconsistent, wrong balance, and it's completely unverifiable. I paid off this account almost 30-45 days ago and my credit report shows 3 different balances, inconsistent payment, etc. This is not correct and I want this account DELETED from my credit as promised and due to violations of reporting. Again, as shown in the attachments, the account has been paid 60 days ago. What's the hold-up? I do not believe it is accurate and would rather not have to spend more time than necessary for both of us to resolve this situation. I appreciate your help regarding this and look forward to immediate deletions.
Product: Credit reporting or other personal consumer reports

I was checking my credit report and I noticed that there was a CITI credit card inquiry that was not endorsed or approved by me- XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION BROKE THE LAW and is violating me as a federally protected consumer under 15 USC Chapter 41. TRANSUNION furnished an account on my credit report that I did not give them written consent to do violating 15 USC 1681b ( 2 ) - this account is also fraudulent. I sent an Affidavit of Truth and attached a FTC Identity Theft Report. ( attached ) According to USPS tracking, the documents were received on XX/XX/2022. ( proof attached ) I gave them everything I needed to remove the XXXX XXXX account they furnished without my consent. Attached is a recorded phone call I I had with a supervisor from the dispute department on XX/XX/2022. AZ is a one party state so I did not have to let them know I was recording. In this audio, you can clearly hear me exercising my rights and this employee is not complying. They are giving me a hard time and ignoring what I was saying. I told them I never gave them written consent to furnish this account on my credit report. He told me that the credit card companies are to report to them when credit is applied for. This employee kept telling me that we were say the same thing. Which we weren't. I said nothing about that. I said I never gave them, TRANSUNION, written consent to furnish the XXXX XXXX account on my credit report violating 15 USC 1681b ( 2 ). This has nothing to do with the credit card companies reporting to them. Reporting and furnishing are two different things. To further emphasize this, I state that TRANSUNION is in violating of 15 USC 1861a ( d ) ( 2 ) ( a ) ( i ). This law states that a credit report can not contain information solely as to transactions or experiences between the CONSUMER ( me ) and the PERSON ( XXXX XXXX ) making the report. Yet it is on my report? None of their policies supersede the law. In accordance to law and what was stated in the Affidavit of Truth sent, an investigation period does not stop the account from being removed and had nothing to do with the violation I stated in the affidavit. I added the FTC Identity Theft Report to further show that the account is fraudulent, so not only did they furnish an account I never gave written consent to be furnished, they furnished an account that is fraudulent. And pursuant to 15 USC 1681c-2, they had 4 business days to take it off. TRANSUNION is violating my rights and is to be held accountable for their unlawful actions that have caused me XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Capital One illegally closed my account for inactivity. I tried to use my card today and was declined. I called Capital one and they informed me my account was closed for inactivity. They never sent me any warning notice letting me know my account was going to be closed due to inactivity. I never received a notice letting me know the account was even closed. If I would not have called them, I would have no notice the account was even closed. I requested to speak with a supervisor who basically kept repeating the account was closed and was totally unhelpful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I found a false account with XXXX  reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Cease and Desist Notice Regarding Fraudulent Account Due to Equifax Data Breach To Whom It May Concern, This letter serves as a formal Cease and Desist Notice regarding the fraudulent account ( s ) opened in my name due to the Equifax data breach, which resulted in the unauthorized exposure of my personal and financial information. Your companys continued reporting and recognition of this fraudulent account violates my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) and other applicable laws.

Pursuant to the FCRA, I am asserting my right to dispute and demand the immediate cessation of any further reporting, collection, or dissemination of this fraudulent account. Under 15 U.S.C. 1681b, my consumer report may only be used under specific legal conditions, and the inclusion of this fraudulent account violates these provisions.

Additionally, under 15 U.S.C. 1681n and 1681o, I am entitled to seek damages for willful or negligent noncompliance with the FCRA, including statutory damages, actual damages, punitive damages, and attorney fees. If your company does not take immediate corrective action, I will pursue all available legal remedies, including filing a lawsuit for damages resulting from your unlawful actions.

Furthermore, I have filed a report with the Federal Trade Commission ( FTC ) regarding this identity theft and fraudulent activity. The FTC report serves as further evidence that this account was fraudulently opened without my consent, and I expect your full cooperation in resolving this matter. 
Fraudulent Account XXXX ( XXXX ) : XXXX Accordingly, I demand that you : Cease and desist from reporting, collecting, or attempting to validate the fraudulent account ( XXXX ) associated with my personal information. 
Immediately remove and delete any fraudulent information related to this account from my credit report and your records. 
Provide written confirmation within 30 days that all necessary corrective actions have been taken to comply with this request. 
Failure to comply with this demand will result in legal action without further notice. I trust you will take this matter seriously and act in accordance with your legal obligations. 


Sincerely, XXXX XXXX
Product: Vehicle loan or lease

Company refuse to provide copy of requested full disclosure of auto loan contract and credit card contract with complete account numbers and transaction history. 
Company Name : Capital One Company EIN XXXX Address : XXXX XXXX XXXXXXXX XXXX, XXXX, Virginia XXXX I believe the company has committed fraud by switching my auto loan from paid in full to owing a balance. This was put on my credit report in error. In fact, I had a credit card with the company also and somehow they have switched the credit card loan to the auto loan.
Product: Bank account or service

I have been XXXX by Synovus Financial on XXXX loans. Predatory loans from what I can tell. back 10 or so years I asked XXXX ( owned by Synovus ) to convert my equity line into a standard loan so that I could pay it off over time and not incur any further debt via the original equity line of credit. 

You see, the idea was to extract myself from debt so that at some point I could enjoy financial freedom. However XXXX XXXX and Synovus has mired me into a predatory loan debt trap of the likes I do n't think I have heard about previously. 



Mind you at this point in time in life I trusted bankers to not take advantage of me or others. Trusting a banker was my mistake, I trust them about as much as I trust lawyers, I have quite a few attorneys in my family and I do n't even trust them. But I digress. 



I was pushed into a note with a balloon on the end of and a somewhat higher interest rate and was told that was the only sort of loan that the bank could move me to. I honestly felt I had no choice but to do the note. When the note came due with the balloon I went down to the bank and was yet again herded into another short term loan with a balloon and a rate quite well above the going interest rates of the time. Mind you all of this time I had never missed or been late on any payments to the bank and yet was forced into a very high interest rate loan. It was only in the last 12 or so months that I had ever been late or missed a payment. 




When the XXXX loan came do along with the balloon, I was yet told I was a risk and that I would have to endure yet another short terms extremely high interest rate and that there would be no balloon this time ( just crazy high interest rates and payments ). Again, I had never missed a single payment on the previous note. 



After I received a statement a couple of months ago, I realized that I pretty much owed the bank the same amount of money that I owed 10 or so years ago, that all of the money paid into the XXXX balloon notes basically paid the interest only, and hardly ( if any ) principle. Only now in the third loan that some actual principle be paid down.
Product: Debt collection

XXXX XXXX denies having any open account with me, yet debt collectors keep calling my spouse during his working hours trying to get hold of me. I tell him to give them my number but they are relentless. I called XXXX and they deny any of this and gaslighted me over the phone as if I am imagining things. They then said call XXXX  at XXXX, whom XXXX referred me to XXXX XXXX XXXX at XXXX. I need this to stop or I am considering harassment small claims options. I was a homeless Veteran when the judge made his/her decision and I had a lawyer, but here we are. I paid the account and it is considered paid in full by XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Company XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ON XX/XX/XXXX Company XXXX ON XX/XX/XXXX In accordance with the Fair Credit Reporting Act, the list of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts above have violated my rights. 15 U.S.C 1681 section 602A, states I have the right to privacy.

15 U.S.C 1681 section 604A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c section ( a ) ( 5 ) states : no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 section ( A ) ( a ) states : 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 or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking Debt Bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX - XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$32000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

After reading over the last year to do my part to clean up my credit I have reach out to this website to help my use my consumer rights to help me with this process. I want to thank the CFPB for this platform and data and information. I was going over my credit report over this process and looking at all the inaccuracies on my credit report which I will put in a download file at the end of this dispute letter to the CFPB.I found out this through the FAIR CREDIT REPORTING ACT and 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, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  I XXXX, XXXX XXXX, XXXX XXXX,, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

I have the right to have my personal information and consumer credit transaction my personal business that is between me and the " Person '' that I extend my credit too.

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 I have NEVER sent any of the consumer reporting agency ; XXXX, EXPERIAN, and or XXXX my written consent to plublish any of my consumer transctions. 

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. 

I have no crimes against me and I have the right again, to not have anything on my credit report that does not to do with the reporting of crimimal conviction in my credit report.This is backs up by ( 15 U.S.C 1681 section 602 A and 15 U.S.C 1681 Section 604 A Section 2 ) 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. 

I will attach the file of my current Credit Report with the inaccuracies circled with all Three credit reporting agency.I have learned throughts the CFPB data base reseach that the credit reporting agency HAVE A VITAL RESPONSIBILITY TO REPORT 100 % FAIR AND ACCURATE INFORMATION BECAUSE ANY INACCURATE INFORMTION REPORTED COULD DAMAGE WAY OF LIFE THROUGH MY CREDIT.I thank you CFPB for you time and effort to help the consumer.
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

My direct deposits post on Wednesday. I still have not received my paycheck today which is Friday. I was promised this would be resolved but it still has not been. Now they are not answering the phones, or responding on social media. I am late on payments and bills will cause me late fees and the bank has said they are. it issuing credits. My money is supposed to be backed by FDIC and I need my {$1200.00} immediately.
Product: Mortgage

This is a follow up complaint, the first case # XXXX. On XX/XX/2022 specialized loan servicing replied to my complaint. As of XX/XX/2022 none of the reply was done to my account