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

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance XXXX : {$5600.00} ; XXXX XXXX Balance Owed XXXX {$380.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX {$270.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX XXXX {$250.00} ; ONEMAIN XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX has violated my rights. 

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

15 U.S.C 1681 604 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

XXXX XXXX XXXX, ACCT.NO.XXXX .... is wrongfully appearing on my Experian credit report.XXXX financed and sold me a lemon, an unsafe vehicle that did not meet the implied warranty laws of the state of California and never will.Never since new has the car been safe or functioned normally.From the start, the fuel pump and air bag module malfunctioned.The front driver seat does not adjust, The doors unlatch by themselves while driving.The transmission had to be replaced at XXXX miles.The transmission clutch still doesn't function after replacement, The motor mount broke, The hood latch doesn't close.The trunk latch releases anytime.When my wife was stopped at a red light and rear ended at high speed, two air bags did not deploy.The list continues but what matters here is that two different branches of the same company are involved. 
The manufacturer and the lender.XXXX XXXX XXXX doesn't know what the manufacturer keeps secret.The car when sold was defective, severely illegally defective.It has 0 value except as scrap metal.NO ONE CAN BUY IT, NO ONE CAN SELL IT. 
YET, the financial branch XXXX XXXX XXXX wants to destroy my credit because at a certain point I no longer wanted to pay for a vehicle that was unfixable and unsafe. 
When it was sold and financed it was not what it was claimed to be.Everyone just wants to not obey the implied warranty laws of CALIFORNIA. 
THIS ITEM SHOULD BE DELETED FROM MY CREDIT FOR FRAUD OF THE MANUFACTURER AND FRAUD OF THE LENDER.
Product: Checking or savings account

Bank of America put a " fraud hold '' on my account and did not notify me other than by email. As I was out of town, I did not check an email or have any idea that they blocked access to my money. They declined my card for gas while I was on a trip and stranded me without any means of payment. Once I got the email, I notified them that the charges were approved, and they were supposed to take the hold off of my account. I drove to the grocery store and went shopping, and when I checked out, my card was declined, leaving me without any money or any food. Bank of America then had me call, where they sent me in to a cycle of automated recordings for an hour, then finally picked up, only to tell me that they needed to transfer me to another department. After another lengthy wait, I have now been told that my hold has been removed from my card. I want to get my money, and I am closing all of my accounts with BofA. A loyal customer for 28 years, they have turned in to nothing but white collar criminals that are funded by the government. I am appalled at the actions of my financial center and crippled by a {$12.00} charge that they used to freeze my money. This practice should be stopped, and if they are going to freeze someone's accounts, they need to at the very least send a text or call them to give notice. XXXX XXXX  does this, and I pay them far less than the {$12.00} BofA takes from me every month.
Product: Credit card or prepaid card

I had a Barclays View Mastercard which incurred a fraudulent charge on XX/XX/2021, for {$530.00}. 

I was unaware of this, and the card had actually not been activated at the time of the charge. I became aware of the charge on XX/XX/XXXX, when I received an email that I had a payment due on XX/XX/XXXX. 

I immediately called Barclays to report the fraudulent charge, and also to close the account. I was told by a Relationship Manager that an investigation would be opened, that the charge would be tagged as fraud, and that I would receive a confirmation of this. 

This did not occur. After checking the account again on XX/XX/XXXX and seeing that the {$530.00} balance was still posted, I called Barclays again. Again I was told that the charge would be marked as fraud, and that it would be resolved within 24-48 hours. The Relationship Manager said that, in fact, it had not been tagged as fraud ( as the employee from the initial call assured me it would be ).

I was also told that identical charge attempts had been made previously on the card, but were rejected. Prior to my calling Barclays, I was never notified of any of this. 

I checked the balance once again on the due date, XX/XX/XXXX, to find the balance still active. I called again, and once again, the Relationship Manager said that the charge had not been tagged as fraud, despite the assurances from both previous calls. Once again I was told that the charge would be tagged and resolved within 24-48 hours. 

I requested written/email confirmation of this, but Barclays refused to provide it. 

I am left with the conclusion that Barclays is simply lying about fraud investigations to customers. Due to their deception and inaction, my credit score appears likely to be hurt, because it will appear that I simply did not pay this balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2019, an Arbitration award was awarded to XXXX XXXX in the amount of XXXX dollars for breach of contract between XXXX XXXX VS. CONSUMER FINANCIAL PROTECTION BUREAU, BANK OF AMERICA N.A XXXX XXXX and XXXX XXXX XXXX, attorneys representing BANK OF AMERICA N.A. XXXX XXXX. The property of XXXX XXXX is still being held unlawfully. My credit is still being reported as though nothing happened. I demand my credit be restored! I will now charge XXXX dollars a day until my credit is restored. This will be binding on all parties individually. Copies and proof of mailings will be provided upon request.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX To whom it may concern, XX/XX/scrub>XXXX I am writing to advise you that the personal information on my credit report is incorrect, and it must be corrected. The address of (? ) is not my address and I have never lived at this address. Any accounts that are listed at this address is fraud and I have sent a separate letter dealing with them. At this time under section 1681c2. Block of information resulting from identity theft of 15 U.S. Code Subchapter III - CREDIT REPORTING AGENCIES the above listed address must be removed and blocked from my credit report or I will file a lawsuit under sections 1681n. Civil liability for willful noncompliance and 1681o. Civil liability for negligent noncompliance. I am also requesting that you send me a corrected copy of my credit report within the 30 days allowed. 

Respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My account was closed XX/XX/XXXX with XXXX, is supposed to be {$0.00}. Balance they are no longer my servicer. I have a new servicer XXXX. The transfer was completed in XX/XX/XXXX all loans are with XXXX. As of today XXXX will not report my balance as {$0.00}, they are still reporting my balance on my XXXX and Experian as open as if Im my account is still with their company. I have done several disputes and they are being updated as balance remains and Im no longer with them. I have spoken with the credit bureau and they state they only update what the company is putting out. XXXX XXXX is reporting to them that the balance is still open when clearly on my credit report I see when it was closed and transferred to another lender. One supervisor said the loans werent converted yet thats why XXXX  are still reporting a balance. False I have documentation from my new servicer showing all loans were transferred in XX/XX/XXXX to XXXX. I just need my account updated accurately Im no longer with XXXX anymore
Product: Credit card

I alerted NFCU that when I went through the credit application process ( Which according to their disclosure that they sent me which states that electronic messages are considered " writing '' ) that I gave them a security and a tendered payment with instructions of how I wanted them to proceed with my application. I also included a POA document as well as informing NFCU CFO that I wished for my bill to be administered for set off each and every billing cycle. I was denied. 

According to Section 16 of the federal reserve act specifically where it addresses an application for notes, that in any application for notes what is applied for should be exactly what is received. I also became informed that the agent ( the CFO ) is compensated when my application and tender of payment they deposit it to the treasury. 

I do not understand how if I have trusted NFCU with my security ( my SSN ) how i do not receive a benefit when they have been compensated during the process and how I can possibly be being denied for a credit card To my current knowledge I believe this is a breach of fiduciary responsibility, as I trusted NFCU with my private information ( my SSN & tendered instructions ) but I was still denied I also altered NFCU that I was the Agent acting on behalf of the principal for which they did not respect the capacity for which I was acting ; My opportunity to act within good faith was never respected by NFCU, however they continued to say I was not worthy of credit, This to me is evidence of discrimination prohibited by the Equal credit opportunity act
Product: Payday loan, title loan, or personal loan

I was told the total amount of the loan inter is simply XXXX $ every XXXX . I asked multiple times what their APR is she insisted that there in no APR. And that it is only the XXXX $ every XXXX XXXX. She failed to mention that, thats every two weeks. So by paying them a minimum payment, I would never catch up and continue paying them for over a year. I was affect by XXXX  and temporarily lost some of our income. I elected to stop payments to them from my bank and try to reach a decision. I have reached out today awaiting a response back. However, I find it highly unfair, and downright scandalous the way they went about this. I send this to CFPB in hopes of # 1 them understand they messed up, # 2 learning some useful information regarding this matter, and how I could have done things different/better. # 3 hopefully if it is anyway possible warn others of this company before they fall vicitim. Its unfortunate they take advantage of people already in a hard situation with Low  scores. This money was borrowed as a emergency means, we unexpectedly had to travel across the country to family, we lost a close relative due to COVID. Please everyone, take heed when getting these loans. Check all your options, use this as a last resort option. Silent killers of all your hard work.
Product: Checking or savings account

Said they notified us about changing our address but as you will see from the attachments they sent the letters to an address that we had more than 15 years ago, I have had nothing to do with XXXX but because of their incompetence, this may cause some tax complications. For the past 15 years Hawaii has been our address and all correspondence has been going to our Hawaii Address. When the letters were sent to our former address they would have been returned to their office, Why did they not contact us at our Hawaii address? My name has been on the checks and the checking account was an active account with sufficient funds for more than 15 years. We have been good clients.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX. And Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting 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. I told the XXXX, Transunion, investigate these accounts : XXXX XXXX XXXX Account Number:XXXX, has never been provided to me and, XXXX XXXX XXXX  Account number : XXXX, full account number has never been provided me despite written request for both. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 an 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.

I Certified Mailed a request for VALIDATION to both creditors, which they completely ignored. I submitted a dispute with XXXX and TransUnion. No Validation has been provided to me.
Product: Debt collection

I recently got married and went to my husbands bank to be put on his checking account ( XX/XX/XXXX ) so they pulled my credit and told me I couldn't get onto his account because I had a collection on there from US Bank. 
I was confused as to why I had a collection because I had closed my accounts there almost a year ago, so I called US Bank ( XXXX @ XXXX ) and they said they sent me to collections due to a balance on my checking account. I had no idea that I had a balance on my checking account and when the account was closed no one told me that I had an outstanding balance to pay. Not only that but I guess they had an old address on file that I haven't lived at for over a year and were sending information and statements to that address. I moved into my new address XXXX of XXXX and had no idea these letters were being sent to my old address. Nobody called me or reached out to me in any other way so how was I supposed to know that I had an outstanding balance? The only way I was even brought aware of this debt was because I got married and tried to get on my husbands checking account. US Bank told me it was my fault that I didn't give them the new address ( the account was closed or wasn't being used so why would I give them my new address? ). The collection company XXXX XXXX said that they couldn't help me either and I ended up paying the debt amount that was around {$51.00} ...
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Federal 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 XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # 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 an account without my written instruction.
Product: Debt collection

Was informed by XXXX that company sold debt to Jefferson Capital. 

A debt validation letter was sent to this XXXX explaining that Consumer was the Original Creditor and to produce a contract between Consumer and them that gives them grounds for collecting a debt form Consumer ( U.S vs Throckmarton, 98 US 61, at pg. 65 ) Consumer has no contract with this thirds party debt collector. XXXX continues to violate FCRA 15 USC 1692g by ignoring my right to privacy and continues to furnish and Report Old Information. XXXX failed to let Consumer know how much the debt was sold for, and if the debt was assigned to a third party, Jefferson Capital and the Consumer have a right to know what their commission. A Cease and Desist Letter was also sent to XXXX 15 USC 1692C ( b ). Consumer is not allowed to have or purchase Consumer information without consent. This is an infringement upon Consumer Right To Privacy. XXXX states " This is an attempt to collect a debt and any information obtained will be used to do so ''. 15 USC 1692e ( 11 ). Additional Violations 15 USC 1692c 15 USC 1692d 15 USC 1692e 15 USC 1692f 15 USC 1692h 15 USC 1692j 15 USC 1692k
Product: Credit reporting or other personal consumer reports

The updated FCRA XXXX amendments ( XXXX XXXX ). Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ). For collectors of delinquent child support debt, judgments, fines, or liens, you must have in hand : A court order authorizing a consumer reporting agency to provide a consumer report, A written authorization from the debtor to obtain a consumer report, or Some type of contractual agreement with the consumer that rises to the level of a credit transaction. 

Equifax DOES NOT possess any of those examples in relation to the disputed child support account! So, they are in direct violation of federal consumer law! 

Equifax is in direct violation of 15 U.S. Code 1681n ( a ) Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of {$1000.00} Pursuant to the FCRA, EACH VIOLATION is {$1000.00} Per violation per occurrence!

Equifax is in direct violation of 15 U.S. Code 1681ni ( B ) -Requirements relating to reinsertion of previously deleted material. As of XX/XX/XXXX Equifax had removed the accounts listed below. As of XX/XX/XXXX Equifax had reinserted the accounts listed below without following 15 U.S. Code 1681ni ( B ) ( i ) AND 15 U.S. Code 1681ni ( B ) ( ii ).

Equifax is in direct violation of 15 U.S. Code 1681ni ( B ) ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

Equifax is also in direct violation of 15 U.S. Code 1681ni ( B ) ( ii ) Notice to consumer-If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I have already sent Equifax all of the required documentation regarding identity theft on my credit profile, this includes reports from the FTC, a notarized affidavit of identity theft, a notarized affidavit of truth, CFPB report and ALL requested documentation to prove my identity. Equifax has played a major role in part of my identity theft!! I was impacted by the Equifax data breach. The engagement number assigned to me is : XXXX. I have also submitted a claim regarding the breach of my identity. That claim number is XXXX Equifax is willfully and knowingly illegally reporting information to my consumer report!
Product: Consumer Loan

Capital One bank reset the rates on my credit card to 18 % Account # XXXX
Product: Credit reporting or other personal consumer reports

Ayo Im just lettin you know I dont agree with the debt under the Fair Debt Collection Practices Act I dont need no extra proof or paperwork just makin sure you know I dispute it Only time to hit me up is through email XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dont bother callin leavin voicemails or sendin mail through XXXX XXXX XXXX or whatever Its just a hassle for me Appreciate you understanding
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 XXXX XXXX, XXXX. XXXX : XXXX XXXX, 2023