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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I am writing to address several critical discrepancies and concerns regarding financial transactions with XXXX XXXX XXXX, identified through an extensive review of relevant legal statutes and financial practices. The outlined issues require immediate attention and resolution : Misrepresentation and Legal Compliance : Discrepancies observed in contractual language referencing the Treaty of Paris of 1783 and the classification of Americans as " citizens. '' Lack of clarity regarding the compliance with Generally Accepted Accounting Principles ( GAAP ) and International Financial Reporting Standards ( IFRS ). 
Financial Transparency and Reporting : Inadequate disclosure of disaggregated revenue by customer type pursuant to IFRS 15.114 and 115.

Absence of detailed information in contract liabilities, remaining performance obligations, and unrecognized revenue, as mandated by IFRS 15.120 ( b ).

Ambiguities in Contractual Clauses : Unilateral clauses and ambiguous terms such as " LATE CHARGE, '' " DEFAULT, '' " REPOSSESSION, '' and " YOUR RIGHT TO REDEEM '' demand clearer definition and explanation.

Securitization Practices and Alleged Violations : Allegations pointing to potential conflicts between securitization practices and adherence to US bankruptcy laws.

Accusations of fraudulent securitization practices and purported violations of federal statutes.

Legal Matters and Procedural Concerns : Concerns raised regarding unauthorized signature use, creation of trusts without consent, and suspected manipulation of financial records.

Lack of transparency leading to potential misinterpretation and misrepresentation in financial agreements. 
Request for Equitable Relief : Urgent request for suitable remedies, including subrogation or equitable relief, to rectify perceived discrepancies and injustices. 
Moreover, the following legal references and specific concerns warrant immediate attention : Procedural or Remedial Law : Implications and importance of the Alien Tort Statute ( ATS ) and Alien Tort Claims Act ( ATCA ), along with concerns about Sale Proceeds Transparency. 
Borrowers ' Rights and Legal Recourse : Rights of borrowers to ensure accuracy of credit bureau XXXX XXXX and redemption rights provided in certain states. 
Identified Violations and Offenses : Violations encompassing the Glass-Steagall Act, Offenses related to fraud, Phantom Fees, Falsified Income or Asset Information, Misleading Loan Terms, Identity Theft, Coercion or Undue Pressure. 
Specific Legal Acts and Their Implications : References to crucial legal acts including the Alien Tort Statute, XXXX XXXX XXXX of 1934, Equal Credit Opportunity Act ( ECOA ), Fair Debt Collection Practices Act ( FDCPA ), and XXXX CFR Part XXXX. 
I earnestly request a comprehensive investigation into these legal concerns and financial discrepancies, adhering strictly to applicable laws and regulations. Timely resolution and provision of requisite documentation are imperative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute with all XXXX credit bureaus multiple times each. I have reported to all XXXX bureaus the information they are reporting is fraudulent. They clearly didn't verify my information before placing fraudulent accounts on my credit reports. Now they refuse to fix my reports and are reporting false information that is ruining my life. I don't have any student loans. I never went to college. I didn't graduate high school. Who did the credit bureaus allow to use my information and why are they so XXXX they didn't bother to verify anything? Now the burden lies on me and they are so XXXX they still aren't verifying anything despite it all being FRAUD. I need help.
Product: Student loan

got this loan in XXXX at XXXX done paid over XXXX still owe XXXX in XXXX 14 years later
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted an online dispute with Experian to update my personal information. I disputed incorrect addresses, phone numbers and my name. I even uploaded a copy of my drivers license which has my correct name and address. Experian did not update it. I then sent Experian a letter in the mail asking to update my personal information and I included a copy of my drivers license as well. Experian sent me an email on XX/XX/XXXX saying they verified that the information is correct, but it is not. As of today, XX/XX/XXXX, the inaccurate information is still on my credit report.
Product: Credit card or prepaid card

I received an email from Bank of America on XXXX XXXX informing me my BOA XXXX XXXX Visa card had been cancelled by them. Upon inquiring I learned they closed it for inactivity. 

Imagine my reaction. For them to close my travel card for inactivity during Covid is unconscionable. We could not cruise if we wanted too. 

We had a {$27000.00} credit with XXXX balance due. 

My complaint is they did this the way they did and we lost thousands of cruise credits by using their card to gather them loyally and often, before Covid. 

I demand cruise credit restitution with normal XXXX XXXX expiration dates. Bank of America owns the administration of the loyalty plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings i am making this complaint on my own accord and will. No third party is involved in the creation of this complaint. I XXXX XXXX, consumer, natural person, and original creditor of an open end credit plan, was harmed by TransUnion a Credit Reporting Agency via invasion of my right of privacy. I was informed of this trespassing against my rights specifically 15 U.S.C. 1681 - Fair Credit Reporting Act by TransUnion a credit reporting agency on XX/XX/22. According to 15 U.S.C. 1681a definitions of the Fair Credit Reporting Act, I as a natural person possessing an open end credit plan was harmed by TransUnion with the invasion of my privacy by furnishing accounts labelled as exclusions to a consumer report under 15 U.S.C 1681a ( d ) ( 2 ) ( B ), in addition my credit information was given out without my consent resulting in a numerous amount of inquiries now present on my consumer report not attached to accounts further invading my right to privacy as a consumer. Pursuit to 15 U.S.C. 1681n TransUnion is now Civilly Liable to pay me for the damages as well as the hardship caused by the damage caused to my reputation as a consumer in the value of ( {$1000.00} ) per inquiries not attached to an account as well as ( {$1000.00} ) per account furnished by invasion of privacy and inaccuracy as an exclusion from a consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 MANY TIMES!!! 

XXXXXXXX XXXX-ACCOUNT # XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.
Product: Money transfer, virtual currency, or money service

Im writing to formally express my concerns regard Zelle handling disputes, in light of the recent CFPB lawsuit highlighting issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution and Zelle have failed to investigate claims adequately. They have informed me that recovering lost funds are impossible and they could not track transactions. The CFPB found that Zelle neglected to protect consumers but has allowed repeat offenders to take advantage of the system, leaving consumers vulnerable to scams. This is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : [ XXXX. XXXX XXXX ; Account Number : # XXXX XXXXXXXX XXXX  ; Account Number : # XXXX XXXX. XXXXXXXX XXXX  ; Account Number : # XXXX XXXX. XXXX XXXX ; Account Number : # XXXX XXXX. XXXX XXXXXXXX ; Account Number : # XXXX XXXX. XXXX XXXX XXXX XXXX ; Account Number : # XXXX XXXX. XXXX XXXX ; Account Number : # XXXX ] has violated my rights. 

XXXX XXXX XXXX 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.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report CLEARLY STATES : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; DELETE THE ABOVE LATE PAYMENTS FROM MY CONSUMER REPORT, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account ( s ), and sending out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15
U.S.C. 1681n ]
Product: Debt collection

I wrote MCM asking for them to send me the required documentation to legally validate this debt on XXXX XXXX, 2016. They have not responded.
Product: Credit card or prepaid card

For my Bank of America XXXX credit card, I scheduled payment on the XX/XX/XXXX due date from my BoA checking. And I deposit the check which has enough amount to cover the bill pay. And BoA bill pay allows me to pay the credit card remaining balance on XX/XX/XXXX. And the guaranteed deliver date is XX/XX/XXXX ( confirmation # XXXX, I kept screenshot ). And the bill pay system never gave me any notice for 3 days!!! Then tell me the bill pay fails. And BoA starts charge me the interest charge which is really really disappointing. And later I notice that BoA system does not allow people bill pay amount larger than the balance in the checking. If I know it fails I can try ways to pay the credit card on time.
Product: Debt collection

My wife and I have been getting harassing phone calls on our cell phones and at work about a debt we know nothing about. ( They called her XXXX in the last 5 days at work and told her manager she would be served papers at work when she returned ) they are claiming we owe a debt to Wells Fargo from 2005 ( well past the 6 year statute of limitations in Washington state ) they say we are going to be sued and that her wages will be garnished. they wo n't give us any more info without disclosing sensitive information with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with someone in customer service department and they said the late payment could not be removed even if its been over 36 months.
Product: Mortgage

We have requested information from roundpoint concerning payment information this company has refused to follow legal documents and have added all types of additional fees and interest, we have sent in copies of documentation this company refuses to follow and know sent a default and intent to accelerate we have all receipts from making good faith monthly payments
Product: Credit reporting or other personal consumer reports

I am applying for a job and the job requires to do a background check on credit report. I had XXXX work done. And it is a violation to have medical debt on a credit report. They shared my personal non public information. Synchrony Bank and Care Credit has published my debt to my credit. The fair credit report act says that I have to give permission to put on credit report and I never authorized this permission.
Product: Consumer Loan

On or about XXXX/XXXX/17, Chase Automotive ran a " hard inquiry '' on my credit report. This will have a negative impact on my credit score. I am up to date with all monthly payments so there would have been no reason to do this. I did not request any additional services from their organization either.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$2700.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$320.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$900.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX {$8300.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$2100.00} XX/XX/XXXX 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I don't know the debt owed to me amount {$8200.00} by XXXX XXXX and XXXX XXXX opened on XX/XX/year> ; I am a victim of identity theft.
Product: Mortgage

Homeowner XXXX XXXX accepted terms of a permanent loan modification with Select Portfolio Servicing ( " SPS '' ) on XXXX XXXX, XXXX. ( See Executed Loan Modification ). 
XXXX XXXX continued to make mortgage payments in accordance with the terms of the recent modification agreement until he received notice from SPS on XXXX XXXX, XXXX informing him that an Annual Escrow Analysis review determined an overage in XXXX XXXX escrow account and that his new monthly mortgage payments would be {$770.00} as of XXXX XXXX, XXXX. ( See Escrow Analysis ). In XXXX XXXX XXXX XXXX began making his mortgage payments in the new amount determined and in accordance with the XXXX XXXX notice until XXXX XXXX when he was made aware that SPS had not been applying any of the mortgage payments made since XXXX. IN XXXX XXXX, XXXX, inexplicably, SPS then unilaterally unmodified the loan. ( See Billing Statement ). SPS should have honored the terms of the Loan Modification Agreement and should have accepted the adjusted payments remitted based on their own escrow analysis. 

XXXX XXXXFind all supporting documents as a single attachment enclosed.
Product: Debt collection

Good Morning The law firm of Pressler , Felt & Warshaw garnished {$8000.00} from my savings account without notification ; i have not received any notice from them regarding a lawsuit or any legal action that would be taken against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC XXXX. Box XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX US DEPT ED DPT ED/XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX US DEPT ED DPT ED/XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX US DEPT ED DPT ED/XXXX
Product: Debt collection

I have a Stipulated Judgment with Fidelity Capital Holdings , Inc, a California corporation, dba XXXX XXXX XXXX XXXX XXXX signed on XX/XX/17 ( attached ). It states that payments will be made on the XXXX of each month. There is no mention that automatic payments are required each month. I have paid on time. I did allow them to automatically process payments from the initiation of the agreement until last month, when the card I was using expired. I paid with a new card last month and told them that I'm not agreeing to auto payments any longer, but will provide payment on or before the XXXX each month. I called this morning and made the XXXX payment ( today being XX/XX/XXXX ) and was told by XXXX XXXX at Fidelity that if I don't do autopay going forward, they have the right to execute on the judgment. I don't believe this is legal based on the language in the Stipulated Judgment. 

Additionally, they are reporting this account negative each month as a collections account. While it is accurately categorized as a collections account, it should reflect " paid as agreed '' as I am making the payments on time per the Stipulated Judgment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across some mistakes and inaccuracies that you are reporting. Please review and eradicate all of these following unproven true, correct, complete, timely, mines, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate attention and should be deleted asap. XXXX If this is not deleted immediately, I will be forced to seek legal counsel and sue in small claims court and seek up to XXXX at a minimum.
Product: Credit reporting or other personal consumer reports

My vehicle was totalled out by XXXX insurance and the amount owed was at the original amount of the loan when I took it out with XXXX XXXX XXXX. I told them this was incorrect and that I did not sign a contract with them for my vehicle. It should have been closer to $ XXXX {$10000.00} after what I put down and my bi monthly payments. I was hung up on every time I tried to speak with a,. The insurance paid out {$9800.00} which was what was owed on the vehicle. They are reporting that I still have a balance and am XXXX days behind.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # XXXX I was never late 30 days XX/XX/2020 Im not sure how this happened, I have always made my payments on time to you when I received my statements. My only thought is that there was a billing error with my statement.
Product: Checking or savings account

They rearrange transactions to charge fees. I had a deposit entering the account they rearranged transactions to charge me not one but 4 fees when the deposit that hit the same day would have covered them all and left me with a positive balance. They have done this multiple times but this is getting ridiculous and its every since bbt took over. I have my card locked and they will let stuff go XXXX if even if its locked.