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

This claim is an adverse action and counter claim to XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  claims that XXXX XXXX XXXX is the debtor The counter claim is that XXXX : XXXX could not possibly be the debtor due to what the law says XXXX : XXXX is in fact a living breathing woman who has pledged Allegiance to America ( unincorporated ) and shall not be with LEGAL NAME nor considered to be a " person '' " corporation '' " agency '' thus making any existing contract null and void. 

31 USC 1501 ( a ) An amount shall be recorded as an obligation of the United States Government only when supported by documentary evidence of ( 1 ) a binding agreement between an agency and another person ( including an agency ) that is ( A ) in writing, in a way and form, and for a purpose authorized by law ; and ( B ) executed before the end of the period of availability for obligation of the appropriation or fund used for specific goods to be delivered, real property to be bought or leased, or work or service to be provided ; ( 2 ) a loan agreement showing the amount and terms of repayment ; ( 3 ) an order required by law to be placed with an agency ; ( 4 ) an order issued under a law authorizing purchases without advertising ( A ) when necessary because of a public exigency ; ( B ) for perishable subsistence supplies ; or ( C ) within specific monetary limits ; ( 5 ) a grant or subsidy payable ( A ) from appropriations made for payment of, or contributions to, amounts required to be paid in specific amounts fixed by law or under formulas prescribed by law ; ( B ) under an agreement authorized by law ; or ( C ) under plans approved consistent with and authorized by law ; ( 6 ) a liability that may result from pending litigation ; ( 7 ) employment or services of persons or expenses of travel under law ; ( 8 ) services provided by public utilities ; or ( 9 ) other legal liability of the Government against an available appropriation or fund.

( b ) A statement of obligations provided to Congress or a committee of Congress by an agency shall include only those amounts that are obligations consistent with subsection ( a ) of this section. 
( Pub. L. 97258, Sept. 13, 1982, 96 Stat. 927. ) Counterclaim is that XXXX XXXX XXXX rebuts the assumption that XXXX XXXX XXXX XXXX makes that she is a legal fiction entity/person/corporation XXXX : XXXX invokes her Florida ( unincorporated ) State ( republic ) Constitution Right to invoke Common Law Jurisdiction Let the record show forth that XXXX XXXX XXXX Mortgage has failed to comply with multiple Cease and Desist Orders, FCRA guidelines and policies, to follow and adhere to the T.I.L.A ( Truth and Lending Act ) rules and regulations.
Product: Checking or savings account

Several times in XXXX, XXXX, and XXXX, PNC has repeatedly changed the way they interface with XXXX, a third party that allows for ACH and money transfers. This has severely hampered me from moving or accessing money I have needed to pay bills or rent in a timely fashion. I have reached out to PNC regarding this, as well as XXXX  ( the third party used by XXXX, XXXX, XXXX XXXX  app, etc ). XXXX  is basically cut off by PNC and can not help me, and PNCs customer support is unwilling or unable to help me due to sudden changes they make on their end of their data algorithms, therefore making it unable to use third party banking services to transfer funds when I need them. Outages have gone on for months at a time sometimes. With this Covid situation here in the United States, it is imperative that I am able to transfer funds remotely, and PNC has effectively cut me off completely from being able to do this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 CFPB complaint # XXXX was filed. The complaint requested that USAA report account # XXXX as " paid '' and " closed ''. USAA responded to the complaint on XX/XX/2018 stating information that the loan ending in XXXX was " included in a ChapterXXXX/Discharge status '', yet a balance of {$160.00} was due. This can not be true as you can not Discharge a Chapter XXXX and still have an account balance. Something is wrong here. It appears that USAA is 1 ). Calling into question the competency of the Trustee and Bankruptcy Judge, and, 2 ). Wants payment of {$160.00}. I request further clarification from USAA to what it will take for them to report account # XXXX as " paid '' and " closed ''. In the response to the previous complaint USAA only obfuscates, going over the Chapter XXXX information, ( although their numbers and the numbers on the Chapter XXXX Disbursement Schedule do not match ), and blaming the CRAs for not reporting information correctly - even though the merchant tells the CRAs what to report. Ultimately, USAA does not address why they will not report the account as paid and closed. I have included as attachments the initial complaint, credit report, my Chapter XXXX Disbursement Schedule, and Chapter XXXX Discharge Letter.
Product: Credit reporting

Transunion shows a collection from XXXX, which is an account opened through identity theft. I disputed this, and the response was : Verified, No Change - TransUnion verified your TransUnion credit report information. No changes have been made. How is that an investigation? Also, the address of the person who fraudulently opened this account is listed on my credit report. I can prove beyond any doubt that I NEVER lived at that address.
Product: Credit reporting or other personal consumer reports

THIS IS NOT A DUPLICATE REPORT IT IS REGARDING ADDING MISSING ITEMS AND HAS SUPPORTING DOCUMENTS To Whom it may Concern, Equifax continues to not report two positive accounts on my credit history despite attempts to get them to do so for over a year. Both accounts are in good standing and have never been late and were always on time with no missed payments. 
This is hurting my credit rating and history dramatically. 
Both vendors have sent the items to all 3 credit bureaus each month. Both XXXX and XXXX XXXX are and continue to report both items. 
Both vendors have contacted Equifax multiple times with no results. They have reported the items each month, and have inquired with Equifax to see why they are not being reported. 
I have also PERSONALLY opened multiple disputes asking why they are not on the report and asked them to add the items. Instead, I get a response saying that they are not being reported, when in fact they are. 
I contacted BOTH vendors last night and they are going to ONCE AGAIN contact Equifax to try to get the items added to my report. Both sent me their most recent statements which I will attach. 
The first, XXXX XXXX, sent me the last statement I had made a payment on in XX/XX/2023. There is a second card that the agency is reporting on, but the account ending on XXXX has never been added t the report. 
The second, a personal loan from XXXX, has also never been added to the report. I actually paid the loan off last month ahead of time, and am attaching the payoff letter with account information on it. 
XXXX Equifax continues to report FRAUDULANT items on the report while not adding these valid positive items. 
I was a fraud victim and they have been notified dozens of times about the items in question, a XXXX XXXX and XXXX account, that are not mine. They were provided a Law Enforcement ( XXXX ) report, as well as FTC, CFPB, XXXX and additional supporting documents that validated the claims. 
These items should be blocked immediately, as I was also medically unable to make decisions for myself at the time, and can not be held legally liable for them as such. Both the fact I am legally XXXX still from that accident and the XXXX supports that, and the XXXX report showing I was the victim of financial exploitation of a vulnerable adult bear the burden of proving this fact. 
Id ask both these accounts be added immediately to the report. 
The agency has all the information it needs to identify them and contact the vendors to make sure this happens. 
I would also ask the other accounts, and fraudulent inquiries from XXXX and XXXX XXXX XXXX be removed immediately as I was denied housing due to too many hard inquiries and the fraudulent accounts. 
Following is the demographic information needed for the dispute process. 
My ID ( passport ) is attached My Utility ( XXXX XXXXXXXX XXXX is attached XXXX Payoff Letter attached XXXX XXXXXXXX Account ending in XXXX attached
Product: Credit reporting or other personal consumer reports

I have submitted a XXXX XXXX showing i waas a victim of XXXX XXXX to them the last 2 months, they still havent removed the fraudlent accounts. Now my credit score has dropped and now i unable to get housing. They have severly messed up my life. they have broken so many FCRA laws .I gave them over 60 days to remove the items way more time they usually given and they still didnt correct it.
Product: Money transfer, virtual currency, or money service

I deposit money with dta group first I invest XXXX dollar and then I invest XXXX dollar the reason for again deposit the money was that they make promotion for new year if someone invest XXXX dollar they get XXXX dollar as a bouns I'm living in XXXX XXXX doing job as a salesman they add me in one group I found there was more then 300 people in that group lot of them r investing XXXX dollar and they get XXXX dollar as a bouns I'm also become greedy and invest with them and I lost all of my money I already report in cybercrime but I can't get any benefit my contact number was XXXX
Product: Student loan

Recently in doing some research on the student loans in my name that are being serviced by Fed Loan Servicing. I learned that the loans are for a school by the name of XXXX University  XXXX. I never signed an enrollment agreement with XXXX University  XXXX nor did I ever sign or agree to become a former student of XXXX University. This seems like fraud to me. I do not wish to be associated with XXXX University and I never agreed to it. I do not understand how this is possible and how this legally has taken place. I do not understand why there are student loans listed under XXXX University in my name. I never agreed to this. I am requesting XXXX University XXXX to provide information stating that I agreed to be associated as a former or current student with this school. Before today I had no knowledge of any of this. I am requesting documentation with signatures that Fed Loan Servicing has the right to pursue loan payment from me for the school XXXX University XXXX. I do not wish to be affiliated with XXXX University XXXX. I never agreed to any enrollment or loans with XXXX University. Therefore Fed Loan Servicing must substantiate seeking loans associated with XXXX from me.
Product: Credit reporting or other personal consumer reports

After recently pulling a copy of my credit report, I was shocked by what I discovered. I noticed there were late payments that are reporting on my consumer credit report that 100 % SHOULD NOT be reporting at all. 
XXXX XXXX Dates # XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account # XXXX I say this because, the law states that there should not be a late payment reporting on my consumer report at any time and should not include any transactions or experiences between me the consumer and any person making a report. Also, each credit bureau agency is suppose to furnish the correct information on your credit report and mine has discrepancies.

Furthermore, I have never given any consent for these alleged transactions.

These are clear violations of my consumer rights under 15 U.S. Code 1681a, 15 U.S. Code 1681a-2, U.S. Code 1681a-2 ( A ) ( I ) and also 15 U.S. Code 1666b.

Please reverse these late payments from my consumer report and update this account as soon as possible.
Product: Credit reporting or other personal consumer reports

I'm writing this complaint again. There are still accounts on my credit report that shouldn't be there even though I sent your company a dispute last month XX/XX/year> and made it clear which accounts were fake.
Product: Credit reporting or other personal consumer reports

I am writing to urgently seek your intervention regarding significant and ongoing violations committed by XXXX, TransUnion, and XXXX. These credit reporting agencies have breached several federal regulations, including the Fair Credit Reporting Act ( FCRA ), the Equal Credit Opportunity Act ( ECOA ), the Privacy Act of 1974, and the Gramm-Leach-Bliley Act ( GLBA ). These breaches have severely impacted my credit profile and financial standing.

The specific issues are as follows : 1. Reporting of Inaccurate Information : * My credit reports contain numerous inaccuracies, such as incorrect late payment records, erroneous account statuses, and inaccurate balances.

* The agencies have failed to update my address, despite my explicit instructions that I have only one address.

* My name appears with multiple variations, although I have provided the correct spelling.

2. Violation of Legal Standards : * According to 15 USC 1681, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' * My right to have accurate and consistent credit reports across all three bureaus has been disregarded.

3. Lack of Response and Rectification : * Despite numerous requests for corrections and updates, the credit reporting agencies have not addressed the inaccuracies.

* I have requested written communication confirming the updates to my profile, but my requests have been ignored.

These ongoing issues have caused significant distress and financial harm. The inaccuracies on my credit report affect my ability to obtain credit and can lead to higher interest rates or denial of credit, which is both unfair and unlawful. 
I urgently request the CFPB to take the following actions : XXXX. Investigate the non-compliance of XXXX, TransUnion, and XXXX with the FCRA, XXXX, Privacy Act of XXXX, and XXXX. 
XXXX. Ensure that all inaccurate information on my credit reports is corrected promptly. 
XXXX. Mandate that the credit reporting agencies provide written confirmation of the corrections. 
XXXX. Hold these agencies accountable for their negligence and disregard for consumer rights. 
I trust that the CFPB will act swiftly to uphold its mandate of protecting consumers and ensuring that these credit reporting agencies comply with federal laws designed to protect our rights and financial well-being. Your immediate attention to this matter is crucial and greatly appreciated. 
Thank you for your prompt assistance.
Product: Vehicle loan or lease

I have been trying to get my car registered since XXXX. Bridgecrest sent me a letter stating that my application for Title and Registration was rejected because the Vin Inspection was over 60 days old. It wasnt when I sent it in which means they waited at least 2 months before they submitted all the paperwork they made me send them. Theyre now threatening to take my car unless I go a purchase another VIN Inspection and send it to them. I requested that they send my title to the DMV AND THEY REFUSED. Theyd already told me at the end of XXXX they were sending the title to DMV AND I HAD TO GO AND REGISTER THE CAR MYSELF. I have all conversations with them recorded. This is fraud. The DMV said they havent rejected anything because they havent received anything regarding my car. No title. No application for title nothing. I spoke with the DMV in person and they looked it up they have nothing on my car. They are purposely making me pay for a car I can not drive and refusing to allow me to title or register the vehicle myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account XXXX XXXX is supposed to be closed, it 's a charge off. I 'm disputing it for not being my account, they say I 'm a cosigner in a auto loan. I asked them for a copy of the contract with my signature, under the fair credit reporting act, although what they 're trying to do is past the statute of limitations. As I requested before I want a copy of the invoice/contract with my signature.they or TransUnion just recently opened this account for no reason but to lower my credit score by almost 40 or more points on purpose. The statute of limitations on this account is four years which is over but if they want to keep reporting this erroneous information, I need to see that contract by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, NC XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, NC XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, NC XXXX
Product: Credit card or prepaid card

Discover offered my XXXX percent interest for 18 months on purchases and balance transfers. They have changed my purchases interest rate but keep the balance transfer rate. They also illegally allocated my payments to my balance transfers and not the purchases.
Product: Credit reporting or other personal consumer reports

Eastern account systems XX/XX/XXXX amount XXXX conflict not resolved Monterey collections XX/XX/XXXX amount XXXX conflict not resolved XXXX XXXX XXXX XX/XX/XXXX amount XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, XXXX of XXXX, XXXX of XXXX and XXXX of XXXX I sent certified letters to XXXX and Experian notifying them that they were in violation of the FCRA and of requisite METRO 2 Complaint reporting standards. I have the right to a fair and accurate report, but XXXX and Experian are illegally reporting inaccurate false information about me. They have been reporting an alleged account with XXXX XXXX on my credit report as a charge off with a past due balance of {$7500.00}. XXXX, Experian, and XXXX are also reporting an alleged account listed with XXXX XXXX XXXX XXXX as a collection with a past due balance of {$3000.00}.
Product: Consumer Loan

I have a loan with rbs citizens bank. Their fees are ridiculous if you ever get behind in a payment they talk to you like XXXX terrible customer service i tried to defer my car payment do to hardship they denied it i asked could they change my payment day later in the month they refused to. Two days before my loan was 2months behind i tried to pay for one month they refused to take my payment they demanded i pay for both months and a ridiculous reposession fee. My car was never repossessed they told me the fee was because they submitted it to be repossessed on top of these ridiculous late fees i am current with my loan but for some reason they are still charging me late fees. I dont like to call them because they are so rude
Product: Checking or savings account

DO NOT CLOSE THIS COMPLAINT XXXX IT IS NOT COMPLETED AT ALL NOTHING HAS BEEN RESOLVED THE LETTER THAT WAS WRITTEN ON XX/XX/XXXX IS NOT ACCURATE AT ALL THEY ARE LIARS AND I AM TIRED OF IT I AM SO ANGRY AT THIS NONSENSE WELLS FARGO DID NOT FOLLOW THEIR PROTOCOL AND PROCEDURES IN ADDRESSING A CLAIM AND THEY ARE TURNING THE FACTS AROUND AND BLAMING IT ON ME AND TRYING TO JUSTIFY WHAT THEY DID TO ME NO THIS HAS TO BE RESOLVED HONESTLY WITH OPEN COMMUNICATION I STILL TO THIS DAY HAVE NEVER RECEIVED A LETTER STATING MY CLAIM WAS DENIED AND HAVE NEVER RECEIVED THE RESPONSE FROM THE DENTIST MY ACCOUNT WAS DEBITED THE MONEY PLACING IT OVER DRAWN LEAVING ME IN POVERTY NOW THEY CREDIT THE MONEY BACK TEMPORARILY WHAT IS THAT SUPPOSE TO MEAN -SO YOU ARE GOING TO TAKE IT AGAIN WITH OUT NOTIFYING ME? 

I NEED THE LETTER STATING THE OUTCOME OF MY CLAIM AND YOUR POLICY ON HANDLING CLAIMS NOT THE VISA POLICY THAT IS NOT WHAT YOU FOLLOW, REGARDLESS I AM SUPPOSE TO GET COMMUNICATION ON THIS AND NEVER DID. 

THIS DOES NOT SOLVE IT IT IS STILL OPEN DO NOT CLOSE MY COMPLAINT PLEASES