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

Subject : Complaint Regarding Credit Karma 's Failure to Close My General Account Dear XXXX Customer Service, I hope this message finds you well. I am writing to express my deep dissatisfaction and frustration with the recent experience I had with Credit Karma regarding the closure of my general account. Despite multiple attempts and requests, Credit Karma has been unresponsive and unwilling to close my account, which has led me to reach out to you for assistance. 

To provide some context, I have been a loyal Credit Karma user for several years, relying on their services for monitoring my credit score and managing my financial information. However, due to personal reasons and a change in financial strategy, I decided it was in my best interest to close my general account and discontinue using their services. 

I followed the prescribed process provided by Credit Karma to close my account, carefully adhering to their guidelines. I submitted multiple closure requests through their website, ensuring that I provided all the necessary information they requested. However, to my surprise and disappointment, my requests were met with silence and disregard. 

Despite my repeated attempts to contact their customer support, both through email and their designated helpline, I have received no response or assistance. The lack of communication and support from Credit Karma has left me feeling ignored and helpless, as I am unable to proceed with the closure of my general account. 

I am deeply concerned about the security of my personal and financial information, as the account closure process should be a straightforward and prompt procedure. Credit Karma 's negligence in addressing my request raises serious questions about their commitment to customer service and data protection. 

As a valued XXXX customer, I kindly request your intervention in resolving this matter. I urge you to reach out to Credit Karma on my behalf and emphasize the importance of their prompt response and action in closing my general account. Additionally, please ensure that appropriate measures are taken to safeguard my personal information throughout this process. 

I trust that XXXX, as a reputable and customer-centric organization, will take this matter seriously and address it with the utmost urgency. I appreciate your understanding and assistance in resolving this issue and ensuring a satisfactory resolution. 

Thank you for your attention to this matter. I look forward to hearing from you soon and having my general account closed promptly. 

Yours sincerely, [ XXXX XXXX ] [ XXXX ]
Product: Credit reporting or other personal consumer reports

i disputed charges and requested legitimacy of verification of charges. was not provided. 15 U.S. Code 1681e & 15 U.S. code 1681i. no resolution and no deletion of unverified information.
Product: Debt collection

I've made several attempts to obtain additional information regarding the purported debt from NCB Management, specifically seeking evidence of the debt. Regrettably, no documentation has been provided to me despite my repeated requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening, To whom it may concern, My name is XXXX XXXX XXXX, The executor, secured party, creditor and sole living heir to the XXXX XXXX XXXX TRUST/ESTATE . 

I have contacted EQUIFAX numerous times using various methods of communications both written and verbal. My efforts have Been ignored, laughed at, discriminated against, mocked, and by them doing so has caused me pain and mental anguish. The unauthorized use of my private information by EQUIFAX and it's third party associates has not gone unrecognized and I must point to proof of such unauthorized inquiries and accounts. 

EQUIFAX has misled me to believe that they are a Credit Bureau which is in fact the opposite. According to 15 USC 1681a ( d ) ( 1f ), EQUIFAX is a Consumer reporting agency and a Consumer Reporting Agency means any person which, for MONETARY FEES, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 

Based on the scope of the definition, it clearly indicates that EQUIFAX is in the business of buying and selling consumer 's private information to third party vendors. Which would make them some sort of financial institution and also dealing in securities and exchange.

Being a private American National and not a vessel of the United States. It is my right to demand access and assess all accounts and contracts that all U.S Corporations has established with the en-legis entity XXXX XXXX XXXX without my written consent. That also includes EQUIFAX. 


The Freedom of Information Act ( FOIA ), the Privacy Act at 5 U.S.C. 552a ( b ), section 1106 of the Social Security Act, codified at 42 U.S.C. 1306, and SSA regulation at 20 C.F.R. 401.100 provides legal authority for disclosure of SSN verifications from SSA records.
Product: Debt collection

This company is breaking the law by failing to provide proper validation details as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they've added a collection to credit report.

I've already tried to resolve these issues directly with them, but they continue to violate my right. For each violation listed, I am entitled to {$1000.00}. They must either compensate me are remove this accounts immediately.
Product: Debt collection

I have ask Credence Resource Manage multiple times to remove this collection of my credit report, I've turned in the XXXX internet equipment since XXXX  and this company has refused to remove this off my credit report. This is really unacceptable and Unprofessional.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm complaining about Credit bureau Experian. I recently did many disputes against this credit bureau about inaccurate information that was listed on my credit report. I received my credit report and some of the information was not accurate. On my credit report I have an identity theft/fraud identity listed and every time someone use my social security number for credit, the creditor suppose to call me. I never received a call from the creditors and I have disputed many time with Experian about credit inquiries on my report. Here is the following credit inquiries that is listed on my credit report XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, XXXXXXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, and XXXX XXXX XXXX/XXXX/XXXX XXXX. Second dispute with Experian was one public records ( bankruptcies ) on my credit report. I spoke with a  customer service rep at the Federal Court of Bankruptcy and the rep stated that the court do not verify any public records with the credit bureau. I disputed the one public record again with Experian and they never removed the public records off my credit report. I called Federal Court of Bankruptcy and talk to another customer  service rep and he stated that Experian never contacted them to verify bankruptcies on my credit report. So now I 'm sending a complaint to Consumer Financial Protection Bureau and this week I 'm going to hire an attorney to file an claim against Experian, because they are putting the wrong information on my credit report without checking with the creditors to make sure that I have applied for credit and checking to make sure that the information that they are added is accurate. I 'm so frustrated with the credit bureau, because they are adding information to my credit report and the reps are very rude when you call to dispute items. XXXX has removed the two public records off my credit report, because the information was inaccurate. Now Experian need to have those two public records and credit inquiries removed from my credit report. I have been an victim of identity theft and it is listed on my credit report, so there should be no excuse for this. I will be hiring an attorney to file a claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not provide the credit reporting agencies with written permission to report any of these accounts that I am requesting to be removed. That is a violation of 15 U.S. Code 1681b ( a ) ( 2 ) ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

This leads way to identity theft.

The definition of a credit card per 15 U.S. Code 1602 ( l ), means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

I did not provide a company ( company reporting ) with consent to share your credit card ( ID, SSN, etc ) with another entity ( Equifax ) this is a violation of 15 U.S. Code 1681s-2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The information is not information relating to any transaction made by the consumer ( me ).
Product: Debt collection

I found a collection reported on my credit report in XX/XX/XXXX from TSI. Prior to this I would receive repeated phone calls but no voicemail. ( Bill collectors constantly call in regards to my father... so I don't answer my phone unless I can recognize the number or a voicemail is left ). I called TSI to ask why I was sent to collections when I have no personal/business relationship with them. They explained that they are a debt collection agency and XXXX sent me to them for a serious debt/collection of {$360.00}. I tried to explain that I do not have any accounts with this company and hadn't received one single form of communication by mail, email or phone call regarding any debt from this company prior to this notification on my credit report. After, repeating several times that I do not, nor have I ever had any open accounts in AZ since moving away in XXXX they answered it was fraud and would send me paperwork to complete. They said it would take 30-90 days. I have received no documents. And now I have a blemish on my credit report. TSI Transworld Systems Inc.
Product: Credit reporting or other personal consumer reports

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. 

Account Name : XXXX  XXXX : Account Number : XXXX : Balance : {$450.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : 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 XXXXXX/XX/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 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 card

Macy 's credit company card removes your card from automatic payments without your permission. When you setup automatic payments they arbitrarily removes it from automatic payment with no notification or warning at all, so they can charge you late fees. When asked they blame you as the customer saying you should check your automatic payments every month. But how will you know it 's off when you have been paying automatic for years? The purpose of auto-pay is so you do n't have to check constantly or worry about your payments. Your debit card is in good standing and money is in your debit account, only Macy 's decide to take off your auto-pay and not inform you it 's off so you can know what to do. This is some real shady stuff and I am very upset about this. They also refused to waive the late fees even though I have been with them for several years and have never been late once. I spent 2 hours on the phone with a rude agent that made me feel real bad until I had to escalate the call.They made it so two months worth of your bill is due at once. No remorse to fix that. And another issue with Macy 's credit cards is that they charge you interest/fees for paying off your monthly balance on time! Who does that? Penalize their customers for paying off their bill? Yes, Macy 's. It 's all about getting unearned money from it 's customers. Trying to mess up their credit report and just being plain crooks!
Product: Debt collection

I have a letter with a statement claiming that I owe Velocity Investments , LLC {$6600.00}. Under my full credit report that account was closed off and written-off since XX/XX/XXXX. They also claim that I executed and delivered a contact to XXXX. XXXX XXXX. Which is a clearly false allegation. Since I was the one purchasing a vehicle from them in XXXX. Velocity Investments , LLC havent once sent me a letter or any documents that have proof that they are clearly the owner to the herein. They also claim I had more than one account with XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Collection account from TRANSWORLD. The original creditor is FLORIDA XX/XX/XXXX 
I never had a contract with this debt collector for any debt.
Product: Debt collection

I sent two letters to the company asking for verification of a debt but got no reply.
Product: Checking or savings account

On XX/XX/year> I tried to access my online savings account at Webster bank but was denied access. I called the customer service number to inquire what was the reason for blocking my access. After being on hold for 2 hours the rep told me that their Fraud Dept would get back me in 24 hours. I told her that I need access to my account and why cant she resolve whatever questions now. She said she cant help me. 
Fast forward today I called back and was told the reason my account access was blocked because I changed my email and cell number. The reasons I gave for the changes to my email is because their system was not sending me verification codes to the original account opening email. It was only When I changed the email then was when I start getting verification codes. This explanation was not acceptable to them. 
The cell number I opened the account with was no longer available because the provider was shut down by the FCC. I had to update my account to a new cell phone number. This explanation was not acceptable because Webster Bank is using some outdated third party verification system that doesnt recognize my new cell number. 
For 48 hours I have been denied access to my hard earned funds because Webster Bank has some antiquated verification system thats says Im not who I am. 
They are extremely rude, condescending and unhelpful.
Product: Payday loan, title loan, or personal loan

i HAD WAS UPSIDE WITH THE LOAN IN HAD SPENT {$7.00}, XXXX IN REPAIRS ON THE VEHICLE. AND COULDN'T KEEP PAYING ON THE VEHICLE AND REPAIRS. SO I EMAILED THEM XX/XX/18 AND TOLD THEM I WAS VOLUNTARILY SURRENDER THE VEHICLE. I DROPPED THE VEHICLE XX/XX/18 THEY STARTED CALLING EVERYDAY OVER AND OVER. THEY CALLED MY EMPLOYER TELLING THEM I HAD ABANDONED THE VEHICLE. THEY CALLED BOTH MY PLACES OF EMPLOYMENT AND TELLING WHOEVER ANSWERED MAKING MY PERSONAL BUSINESS PUBLIC. THEY EVEN CAME INTO MY PLACE OF EMPLOYMENT ON XX/XX/18, SHOWED UP TO TRIED TO SERVE ME. THEY HAVE CALLED AND TOLD BOTH MY EMPLOYERS THAT THEY ARE VERIFYING EMPLOYMENT TO SEND FOR WAGE GARNISHMENTS. WHEN THEY DON'T HAVE A COURT ORDERED JUDGEMENT. I HAVE CALLED THEIR ATTORNEY SEVERAL TIMES AND EMAILED THEM TO TRY MAKING AN AGREED PAYMENT PAYMENT PLAN. i WISH I HAD READ THE REVIEWS ON THIS COMPANY BEFORE I HAND. THEY HAVE THE WORST REVIEWS AND WORST CUSTOMER SERVICE. THEY HAVE BEEN SUED SEVERAL TIMES FOR VIOLATING THE FDCAP.
Product: Mortgage

In this case discovery was never completed, conditioned presedence was never met, no testimony given, no witnesses to alledge factsgiven under oath, statements presented was based on heresay.However on the forth hearing opposing counsel prensented a note with brite blue signitures and the Judge asked me was that my signiture, as I was replying that it looked like my signature opposing counsel interrupted and said `even he admits it your honor`, my finish statement was your honor they can put your signiture on anything. 
Next the Judge said if either party would like to send me any additional information before I make decision you have eight days to do so. 
Below is the additional information I sent to the Judge however I do not believe he got an opputunity to read it prior rendering a decision. 


IN THE SUPERIOR COURT OF CONNECTICUTJ.D OF XXXXBANK OF AMERICA. N.A. 
PLAINTIFFv. DOCKET NO : XXXX ANDDEFENDANTSXXXX/XX/XX/XXXXMy name is XXXX XXXX XXXX XXXX After losing my job of 28 years I finally found a lower paying job and tried to get a modification but did not qualify. However, in the process I found many inconsistencies in the information that Bank of America provided. On XXXX I sent a dispute letter asking for validation of the debt. I never received a validation from Bank of America. 
On XX/XX/XXXX, two months later after they received my dispute letter a law suit was initiated, DOC # XXXX. Thereby, not conforming to " conditions precedence '', I have received separate statements from Bank of America in which they stated that they were the creditor, the debt collector and the servicer. 
I also received printout records that evidenced that the debt was purchased while the account was in default which is a violation of FDCPA XXXX XXXX XXXX. 
According to XXXX I.D Min # XXXX XXXX it states that Bank of America is the servicer and XXXX XXXX is the investor, which shows that Bank of America is in violation of the FDCPA 15 USC 1692 E. 
They have failed to show information proving verification. The assignment given as proof of their ownership is riddle with names which have been shown to be ROB0 signers. XXXX XXXX, XXXX XXXX, XXXX XXXX, they have been publicly verified as ROBO signers. As this information has been submitted to the court evidencing XXXX distinctly different signatures for each name. Therefore, this unknown debt collector refuse to make full disclosure of information requested through discovery! 
It is my belief that all such information was fraudulently produced. Such fraudulent behavior has already been ruled Res judacata by the Consumer Financial Protection Bureau. ( CFPB ) I am exercising my private right of action in accord with the Supreme Court ruling of XXXX vs Countrywide, and thus rescinding with damages because of such attempts to defraud! 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I am a natural person and on XXXX XXXX I mailed an identity theft report, through certified mail to Experian. I included a copy of my driver 's license, social security card, and a utility bill to as well. I am a victim of aggravated identity theft. According to XXXX XXXX XXXX ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
Experian, failed to block and remove all the accounts on the FTC Identity Theft Report I sent them. My XXXX consumer/credit report is still reporting XXXX.. Please see attached FTC Identity Theft Report. 
On XX/XX/2022, I sent Experian a follow up letter to request they remove the above accounts and they did not. This has caused me tremendous XXXX XXXX  and financial hardship. XXXX is also in violation of 18 USC 1028A for aggravated Identity Theft for furnishing this alleged account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX accounts on my credit report that I do not recognize and did not authorize. I am a victim of identity theft. Below are the accounts : XXXX XX/XX/XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account # : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Account # : XXXX XXXX  XX/XX/XXXX Account # : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account # : XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Account # : XXXX XXXX XXXX  XX/XX/XXXX Account # : XXXX XXXX XXXX XXXXXX/XX/XXXX Account # : XXXX XXXX XXXX XXXXXX/XX/XXXX Account # : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account # : XXXX XXXX XXXX XXXX XX/XX/XXXX Account # : XXXX XXXX XXXX XXXX XX/XX/XXXX Account # : XXXX XXXX XXXX XXXXXX/XX/XXXX Account # : XXXX XXXX XXXX  XX/XX/XXXX Account # : XXXX
Product: Credit card

I went to make a payment to my Citi sears MasterCard and made the wrong payment. When I realized what happened I reached out to the other billing company to get the money back to my account and they told me it would take five days. While waiting for the refund Citi cards called me 6 times with 4 hang ups between XX/XX/2016toXX/XX/2016. I spoke to a representative about the mistake that occurred and she wanted to knowwhen they could collect the debt. Then another representative called asking the same questions over again. I have never been late with a payment and feel that it is harassment when it has not even been 30 days past due.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, PayPal permanently limited my account without providing a valid reason, despite my compliance with their terms and conditions. They are now holding my funds for 120 days without proper justification. 

Background : I had an active and verified PayPal account that was in good standing. 
Prior to the restriction, I contacted a PayPal representative, who reviewed my account and increased my spending and receiving limits to ensure I would not face any unexpected restrictions. 
Despite this assurance, my account was later restricted permanently without warning. 

Actions Taken by Me : I submitted evidence proving my innocence against an alleged violation. 
PayPal ignored my evidence and upheld the restriction without a proper explanation. 
I contacted PayPal multiple times, but they only provided generic responses, failing to justify their actions. 
They stated that my funds would be held for 120 days to cover potential disputes or chargebacksyet no such disputes exist on my account. 

Violation of Consumer Rights : PayPal is withholding my funds unfairly without proving that I violated any policies.

Their actions violate their own User Agreement, which states that restrictions should be imposed only when a clear policy violation has occurred.

The Electronic Fund Transfer Act ( EFTA ) ( 15 U.S.C. 1693 ) and the Fair Credit Billing Act ( FCBA ) ( 15 U.S.C. 1666 ) protect consumers from arbitrary fund holds and restrictions without clear justification. 

Thank you for your assistance.
Product: Credit card or prepaid card

I applied for a credit card with Bank of America in XXXX or XX/XX/2022. I received an adverse action. 

I did not receive a letter from Bank of America for their reason for denying my application after running my credit.