23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Pursuant 18 U.S.Code 2073 - False entries and reports of moneys or securities Affiant is aware that DIRECT LOANS and THE DEPARTMENT OF EDUCATION exchanged my signature on the original promissory note for the securities to pay any alleged debts. DIRECT LOANS and THE DEPARTMENT OF EDUCATION have failed to provide proof of a signed contract ( by me/my signature ) as well as failed to provide the 1099C IRS documents that were used when the alleged owed debt was written off.

I demand a full discharge of all accounts associated with my name/estate via subrogation with the equity of my account pursuant HJR 192 of 1933 which clearly states that debt can only be DISCHARGED. THE DEPARTMENT OF EDUCATION and DIRECT LOANS has provided me with fraudulent information concerning any legal obligation to this debt.

in order for a contract to be valid and enforceable it must have the original promissory note or at least a copy and a actual wet ink signature. There was not meeting of the minds or consideration exchanged and there was no other party involved other than me. The law clearly states I have a right to face my accuser which THE DEPARTMENT OF EDUCATION and DIRECT LOANS are accusing me of owing them several amounts without providing proof or request supporting documents that prove there is any valid enforceable contract nor permissions for these agencies to derogatorily report on my consumer report or communicate with other CRA 's concerning my personal and private information. 

HJR 192 of XX/XX/year> is the bond the government uses to re-credit the people, upon demand, because the XXXX administration took away the peoples gold. 
HJR 192 is an insurance policy that cancels the execution of debt required by law.

A debt has to only be discharged and the word pay is equated with silver and gold. 
Public Policy removes my liability to pay this " debt '' Therefore the Record Let the Public Policy bond pay /discharge all charges I have attached concerning these allegations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  : XX/XX/2020 ( 30 day ) and XX/XX/2020 ( 60 day ) XXXX : XX/XX/2020 XXXX 30 day ) and XX/XX/2020 XXXX 60 day ) In both instances, I had issues with address discrepancy and wasn't receiving invoices/bills which kept me from making payments in a timely manner. Due to COVID-19, it was necessary that I take care of my elderly parents, and needed to have mail forwarded, but as it turns out not everything was arriving. As soon as I discovered the discrepancy I dealt with balances in full. As of of now both cards do not carry a balance but these missed payments have made a major impact on my credit score.
Product: Credit card or prepaid card

Hello, I am customer of Capital One in XXXX of 2020 I received the Quick Silver Visa card. A number of months prior to applying for the credit card I received a number of pre-approval mailings stating that I would have 0 % interest for one year. Since I've had the card until XX/XX/2020 I've had zero interest, XXXX would mark my 10th month having the card. Suddenly, on the late XXXX statement I had a 22 % APR which I had expected to come a few months later. Additionally my minimum payment was three times the amount I would normally pay while my balance was less than the previous month. I called capital One XX/XX/2020 and was on the line with customer service agents the first hung up on me then switched me to another agent after over an hour. The the next agent said that my promotion was for nine months. I told them that was not in the literature I received and asked them to send a copy but they refused. I called today XX/XX/2020 and spoke to one very nice agent and he said my 0 percent APR was based on the date of one of the promo mailings that was sent to me. I asked for a interest waiver he refused. I then asked to have the issue escalated, the next person manager didn't seem to be privy to my situation. I asked for documentation of the 0 % down promo based on the date of a mailing and she said no she would not give me that information and that I should have that information but told her I did not.I thought I discarded all information but found my welcome packet and that was not included. In the midst of a pandemic one would think that a financial institution would aim to be transparent and helpful.I explained to all agents that I now have new financial challenges and receiving the additional interest was unexpected and burdensome. This practice is predatory and misleading and the fact they refuse to send me a copy of the disclosure regarding the promotional offer of a limited APR is extremely suspicious and problematic.
Product: Credit card or prepaid card

CHASE BANK CLOSE MY XXXX XXXX MASTER CARD THIS CREDIT CARD ENDING IN XXXX ON XX/XX/2018 I WAS TOLD TO CALL BACK WHEN I GOT A LETTER FROM CHASE CREDIT CARD SERVICES WHICH I DID TO SEE IF CHASE WOULD REOPEN MY CREDIT CARD. I WAS INFORMED MY CREDIT CRAD WOULD REMAIN CLOSED. ALL MY PAYMENTS ARE PAID ON TIME NEVER LATE .WHY IS CHASE BANK CREDIT CARD SERVICES TRAGETING MY ACCOUNT FOR CLOUSURE? ALL MY ACCOUNTS WITH CHASE ARE PAID AS AGREED.
Product: Checking or savings account

They locked the funds in my account for months they u lock it then they locked it again and telling me I can't use it for 180 days and I'm currently being evicted they have no reason to steal my hard earned money
Product: Student loan

I have an account with Firstmark Services that was co-signed. I have had this same issue before, but I have scheduled a payment to be made, and they are calling my co-signer and telling them that my loan is very late and has not been paid. Not counting the holidays and weekends, my loan is only XXXX  days late, and I scheduled to have the payment deducted on XXXX, but the payment has been scheduled since XX/XX/XXXX. Firstmark called me at XXXX on XXXX XXXX and did not leave a message, I was in a meeting and unable to return the call, nor was a message left for me to reference. It was not even XXXX minutes later they were calling my co-signer. They told her my payment was extremely late, and never once mentioned that I had a pending payment. That is a total lie. I have had this issue with them previously, and of course they tried to defend their position. Their payment collecting practices are false, misleading, predatory, and threatening. They also tried to lie and say that they never called her, which is totally false. My co-signer would have no idea the status of the loan without their phone call. In this kind of climate where people are unable to work and having to stay home from work with their children because of the pandemic, Firstmark should not be allowed to harass and intimidate their borrowers. I do not want Firstmark to contact my co-signer at all anymore. My payments are all up-to-date. Something needs to be done about this company.
Product: Money transfer, virtual currency, or money service

I tried to link my PNC bank account with my XXXX XXXX account, but CFPB prevents me from doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got sick with XXXX and was out of work and missed one payment I called the creditor who agreed to take the 30 day late payment off of my credit report but it is still there which is harming my credit and making it so I am unable to get a loan to catch up on my bills from being out of work.if this is not corrected I will be homeless!
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my in-law sent money to me via PayPal from XXXX in the amount of $ XXXX. I received an email from PayPal notifying me of the transaction and the amount that was sent. I went to the PayPal website and my account to accept the payment and noticed that the amount stated by PayPal to deposit into my bank account was {$480.00}. I automatically assumed the reason for the deduction was because the money was sent from another country and international transfer fees were taken out. But on XX/XX/XXXX, my in-law sent me $ XXXX and when I was about to Accept the payment, the amount to deposit into my account was $ XXXX. This time, I contacted PayPal to ask why I was being charged the fees as opposed to the Sender and that is when I learned that the fees being charged to me was for goods and services. I then explained to the Rep from PayPal that I was not selling anything and that the money that was sent to me was owed to me by my sister-in-law. The Rep explained to me that an option had been given to my in-law to select whether the payment was for a Friend/Family or Goods/Services. I then reached out to my in-law to inquire, and she stated that this option was not given to her. I then explained to the PayPal Rep that the money was sent from XXXX and in response I was told that PayPal in XXXX is on a different server which could not be accessed in the US. I then requested to speak to a supervisor. The supervisor basically explained to me about the same options that should have been given to my in-law and when I told her that it was sent from another country, she in return lied to me by stating that she was on the XXXX PayPal site and the option was available. I then contacted my in-law again. This time, she shared a screenshot of the PayPal transaction which gives no options but only shows a Goods/Services message which is pre-selected, and no other option was shown to be given. I explained this to the supervisor and requested to speak with upper management or to have my complaint escalated and she told me that there is no one higher than her and there is nothing that could be done about the situation. I then thanked the supervisor and requested her name and any other information that I could include in my formal complaint which I would proceed to file. So basically, I have been robbed by PayPal for the total amount of $ XXXX. I was being charged a fee for goods and services in which I was not selling either of the two and the money that was sent to me was owed to me by a family member. It is unfair that not only was I robbed by PayPal but also lied to and misinformed by a PayPal supervisor. I would like for PayPal to refund the amount which was taken from me and I will make sure that PayPal will NOT be the payment method used for any similar transactions such as this one.
Product: Credit reporting, credit repair services, or other personal consumer reports

DURING THIS COVID-19 PANDEMIC I WAS ENCOURAGED TO LEARN ABOUT PROTECTING MY CREDIT FILE AND PERSONAL IDENTITY. I WAS TAUGHT TO REVIEW AND INTERPRET MY CREDIT REPORT AND THE RELATED ACCOUNTS. AT THIS POINT I NOTICED A NUMBER OF MISINFORMATION AND ASSOCIATED ACCOUNTS THAT WERE FRADULENT. SINCE THEN I HAVE MADE SEVERAL ATTEMPTS TO REACH OUT TO THE INDIVIDUAL DATA FURNISHERS, CREADITORS AND BUREAUS TO FIX THESE ISSUES BUT TO NO AVAIL WITH EXPERIAN AND XX/XX/XXXX. XX/XX/XXXX WAS ABLE TO HELP ME BY REMOVING AND DELETING THESE ERRONEOUS ACCOUNTS AND INFORMATION. THIS INFORMATION HAS COME UP BECAUSE I AM IN JEOPARDY OF BECOMING HOMELESS DUETO THE PANDEMIC AND IN THE PROCESS OF APPLYING FOR HOUSING MY CREDIT FILE INDICATED THIS ERRONEOUS INFORMATION TO MY SURPRISE AND THIS PROHIBITING ME FROM GETTING ME AND MY FAMILY HOUSED.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSWORLD SYSTEMS INC. 
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau XXXX CFPB XXXX as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to Experian, Equifax and Trans Union within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following items have been reported on my credit report and have been disputed several times. I have sent letters to request the removal of these items and documentation and or verifications that the reports are accurate. I have not received any documentation verifying any of these accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These need to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX : A letter/dispute was sent to all 3 credit bureaus requesting removal of discharged bankruptcy for failure to validate and provide proof of individuals where information was given from because US Bankruptcy Courts advised in writing that they do not provide information to Credit Reporting Agencies.

XX/XX/XXXX : A letter in writing was sent requesting deletion/removal of this account, to no avail. I received a follow-up stating verified, no change ; with no validation or verifiable proof.

XX/XX/XXXX : A phone call was place by myself, the consumer and I spoke with a CSR and Supervisor, who both advised me that they were not able to remove/delete this negative remark from my credit report because of FCRA states up to 10 year law, but could not provide me with information of how they were able to validate this information as requested in previous mailings. I also explained to them that it was not listed on another one of my credit reports and I could furnish a copy and that meant nothing
Product: Credit card

Six years ago, I opened an HSBC account for my sister in my name. Initially, things started out well, but as expected, this did not last ; and shemissed payments. As a result, this has reflected poorly on me, and I am left to pay the price. I have since made every effort to fix this account. The account has been transferred to another lender ( XXXX XXXX ), whom I have constantly tried to contact to payoff the account but it has been to no avail. I can not get a response from them. Please advise.
Product: Credit card or prepaid card

On XX/XX/XXXX I closed my capital one secured credit card account and paid the remaining balance. When I opened the credit card account, I put a {$300.00} deposit which I am supposed to get back. I have called and talked to thier customer service three separate times and they claim the check was sent out on the XX/XX/XXXX but they would send an email to the department to cancel it and have another check sent out. I still have not received the check and I don't believe that I will receive it unless someone forces them to give me my money that they owe me.
Product: Credit reporting

I am disputing the underlying facts of an entry. They are reporting a XXXX XXXX account that my ex-wife opened without my knowledge but it still appearing on my report since XX/XX/2012. This has been disputed with Transunion and been removed, but Equifax refuses to understand that this account was her responsibility. I provided the details and the divorce decree but they still will only reply with " we verified this account belongs to you ''. I have a credit score in the XXXX range and pay everything on time. I would not make a late payment for a {$200.00} account. This is not right and needs to be removed. I have disputed with Equifax at least three times with a refusal to investigate further.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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
Product: Debt collection

XXXX XXXX Is calling me and family members I am no longer in contact with constantly. This is regarding a supposed debt from XXXX XXXX from 2012, which I have disputed. There is no outstanding account from this bank on my credit report. If indeed it is something from 2012, I find it ironic that they are calling me now to collect just under the seven year deadline. XXXX XXXX is using abusive threatening language, hanging up on me when I ask for documentation, accusing me of being unintelligent, and ar overall rude. I want these calls to stop immediately and Ive asked them to stop calling my family. They refused to do so and are threatening to come to my house with legal papers. I asked them to send me something in writing, which I believe is my right and they refused to do so. They tell me I have to get a lawyer to contact them.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXXXXXX XXXX  credit card company sent information to all credit reporting agencies that I file bankruptcy on that card and was closed and I never filed bankruptcy in XXXX it was XXXX when I filed and the card was not opened till XXXX. I filed a dispute with the credit report agencies that the information was not correct and they did investigate it and said I was correct about it not being right but never took the bankruptcy of the account. So in XX/XX/XXXX I did another dispute and it has been closed and information is still the same. It has dropped my credit score about XXXX points and need it fixed it's been 4 months and it hurting my credit if I have to buy something. 

Thanks XXXX
Product: Credit reporting or other personal consumer reports

Re : Complaint Regarding XXXX XXXX XXXX and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive 2017 data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. 
Facts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. 
Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. 
Failure to Maintain Reasonable Security Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data.

Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach.

Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 


1681b : XXXX failed to properly restrict access to consumer information. 
1681e : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security.

Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq.

6801 ( b ) : Equifax failed to implement safeguards to ensure the security of sensitive consumer data.

Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq.

5531 ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures. 
Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) Equifax engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.