23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Destiny credit card. The advertising stated that I would receive {$1000.00} line of credit on card thru XXXX XXXX. They said I can only get {$500.00} credit. I said you can keep your credit card with the {$120.00} annual fee. They sent me a bill, statement, asset voucher or remittance coupon whatever you want to call it. I will ask how can you send me a statement, coupon, asset volcher or remittance coupon with no physical credit card. If necessary I will place the ceo on a federal court asking for a jury trial. I will ask the judge for a jury trial with no XXXX XXXX XXXXXXXX laws dictionary uncompendent XXXX. I will request a jury with XXXX XXXX XXXX. I will ask the ceo questions under oath without a lawyer or attorney present.

1- why does your company spell my name in all capital letters?

2- why does your company as me for my social security number? It is because you want to get into my trust as a authorized agent.

3- you sent me a bill, asset volcher, remittance coupon or what ever u want to call it. Your remittance coupon stated please pay the new balance of a positive {$120.00}. If I owe someone {$120.00} the number needs to be- {$120.00} for the books to balance, then you want me to pay u another {$120.00} in federal reserve notes what you people call money. Am I lost. {$120.00} plus another {$120.00} positive equals to {$250.00} positive. I am confused. Your books do not balance. I will request to see the books because they do not balance plus IRS audit as well.

4-.What does article one section ten clause one say? Explain in full details.

5-What does this symbol mean $ $ $??

6- is the United States of America under bankruptcy? If so what year did. It happen?

7- why does your remittance coupon have routing numbers on it? What is it linked to?

8- what is the book called XXXX laws dictionary about? 

9- does your company think of me as a person or slave?

10- what is privacy act of XXXX? If you violate this act can you be charged with a misdemeanor? 

11- what does capitas diminutio maxima mean in full details? 

12- what is the truth and lending act about?

13- what is the credit river decision all about? Explain in full details.

13- what is identity theft, security fraud explained in full details.

14- what is the cestique act trust of 1666? Explain it in full details.

15- what is your definition of money?

16-what is XXXX XXXX about ?
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Checking or savings account

XXXX has unjustly closed and permanently locked my XXXX XXXX account with no explanation other than fraud. I have never committed fraud and if I am a victim of fraud it is not right to punish me by closing my account without explanation. Also they told me I can open another account or they will permanently disable that one as well. Very wrong to treat customers like this.
Product: Payday loan, title loan, or personal loan

I have tried to work with Springleaf to settle out this charged off debt. My attempts have not been answered. I want to try to settle this debt but I am unable to pay the entire amount that charged off. I even hired a debt management company to help me but they have also been unable to work anything out with Springleaf. I want to make a final attempt to resolve this debt and repay at least some of the money. I do not dispute that this money is rightfully due to Springleaf.

I am soon going on XXXX XXXX ( XXXX XXXX for XX/XX/XXXX ) and my husband has been XXXX but we can make payments totaling to {$2500.00} before I am no longer working. I 'd like to offer that amount to settle this account in 3 installments. 

SPRINGLEAF FINANCIAL XXXX XXXX {$7300.00}
Product: Credit reporting or other personal consumer reports

After pulling my consumer report on XX/XX/2023, I filed a dispute with XXXX XXXX XXXX XXXX XXXX XXXX XXXX the XXXX major credit bureaus XXXX XXXX XXXX XXXX and TransUnion XXXX I disputed XXXX accounts that were furnished onto my consumer report by XXXX XXXX XXXX XXXX XXXX XXXX  that were reporting age was over XXXX years. Lawfully XXXX should have removed these accounts from my consumer report as they were delinquent. On XX/XX/2023 Transunion sent me their Investigation Results also XXXX dispalyed the results same as Transunion after the XXXX. The XXXX reults from the disputed accounts were XXXX out XXXX XXXX  accounts removal/deletion from my consumer report. Since then, i have had to send dispute letters to XXXX for continuingthe furnishing of false and lawfully disputed information. XXXX has made it clear that they do not respect my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im concerned with quite a few addresses that keep showing back up on my account that I cant seem to permanently get rid of ... Also theres an account for XXXX  thats dated XX/XX/2020 which absolutely does not belong to me because I havent visited any hospital lately. Theres an account for XXXX  which I have no recollection of or do I even no what that is. Im very concerned as to y I have some sort of Federal freeze that I will make sure I call first thing Monday morning. The sooner someone gets back to me the better Ill feel about all of the identity theft that I seem to be having issues with a lot lately!
Product: Checking or savings account

I'm having financial difficulties keep a positive balance in my Cash App account. Every other day, week, or month my account is compromised with negative balances on the company 's behalf and every time I reach out to find a resolution, I get hung up on or the run around with the chat support. This most recent incident has put my account in a negative balance of - {$15.00} due to a bank transfer that supposedly took place Friday, XX/XX/XXXX, at XXXX. They 'returned " the money that was never there, causing the infraction to my account. I reached out numerous times in the app and on the phone, only to be ignored, hung up on, and threatened by the agents at their offices. Previous to this, there was a transaction from XXXX in XXXX of XXXX with a provisional hold of {$25.00}, I was supposed to get the {$20.00} back from that transaction but I was laughed at and threatened at that time as well. As I type this complaint, no resolution has been found. I'm following the chain of command on this before I initiate a class action against Cash App because at this point, they are getting out of hand with the constant banking fraud, that is seemingly unchecked.
Product: Mortgage

Sold home on XX/XX/2019. Still is not showing that it paid off and closed. I have call Wells Fargo to ask them to report it. They told that they have.
Product: Checking or savings account

BBVA USA transferred simple accounts to their service on XX/XX/21 XXXX of the accounts could log in They had no tech support No way to contact the company XX/XX/21 instructed to call customer service.. 
Multiple customer service agents answering, claiming they can't hear, and hanging up. Repeatedly. 
No way to access funds No access to debit card No way to contact bank No way to get into accounts at all due to mismanagement.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXX Balance : {$980.00}
Product: Credit reporting or other personal consumer reports

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
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

On XX/XX/XXXX I went to the emergency room at XXXX XXXX, XXXX NC. I received a bill for services dated XX/XX/XXXX for {$900.00} from XXXX XXXX XXXX XXXX. I contacted my insurance carrier XXXX XX/XX/XXXX and was told the in-network bill was paid. I returned the bill stub stating this fact. I received XXXX more statements stating that I owed the {$900.00}. On XX/XX/XXXX I initiated a chat with XXXX with XXXX XXXX XXXX XXXX. I gave her all information she requested and told her XXXX said they had paid the claim. She advised it would take XXXX days. XX/XX/XXXX XXXX XXXX XXXX XXXX sent yet another bill for {$900.00}. XX/XX/XXXX I received a bill from First Point Collection Resources for {$900.00}. I contacted XXXX XXXX my representative for XXXX. He researched the claim and concluded the claim had been settled per the terms with XXXX. I sent his report to First Point and XXXX XXXX. First Point continues to insist that I owe the {$900.00}. I want this cleared up and my credit restored as I have simply followed instructions from my insurance carrier.
Product: Debt collection

Debt was not reported as owed until inquiry sent to collection agency. New debt appeared
Product: Credit reporting or other personal consumer reports

I recently had received a copy of my consumer report. After reviewing it I noticed multiple fraudulent accounts. Would like to have these accounts deleted do to fraud and no prooof of verifications
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$49000.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXXXXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$2600.00}, XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX. ) XXXX Date opened XX/XX/XXXX Balance {$830.00}, and XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX  ) XXXX Date opened XX/XX/XXXX XXXX {$770.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

I paid off these accounts and they are still reporting on my credit report. 
XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX  Account # XXXX
Product: Mortgage

I was recently turned down for a loan to pay for my son 's college indicating a past foreclosure. In viewing my credit report, I saw that GMAC Mortgage incorrectly reported the home as a foreclosure in XXXX. Our home was a short sale that closed on XXXX/XXXX/2011. XXXX months prior to their reporting. GMAC no longer services their home mortgages and I am unable to find the right avenue to have this information changed. I have my HUD XXXX settlement statement to prove my statement. I have disputed with the credit bureaus but I 've been told, this is somehow a " coding '' issue where a short sale vs. foreclosure is reported. Do I have any recourse to have the information reported correctly?
Product: Payday loan, title loan, or personal loan

In XXXX I had {$1100.00} left to pay it off. I missed XXXX payment and now my loan payoff amount is {$1600.00}. The website does not tell me why, their customer service can not tell me either. 
There is a blatant lack of transparency, and inadequate help. I tried to go on their site to pay the loan. It did not allow it. I messaged them today on XXXX about making a payment. They said go ahead call us. Their message says theyre closed. They initiated a pay-off. So not only did my credit take a hit, Im going to be harassed by collection agents.
Product: Credit reporting or other personal consumer reports

So I've been trying to attend school haven't gain access to my fasfa til late 2024 and couldn't attend school until I paid XXXX on XX/XX/year>. That is all you owe. Made the payment received paperwork XXXX loans were paid by borrowers defense and XXXX loans paid in full. But no they kept talking me circles hanging up on me tell me the website is wrong I got XXXX people out of XXXX people to help me investigate. I found multiple Discrepancies. Such as I didn't owe certain money never received disbursements which were paid back into the account it was just a whole lot. I am enrolled in school right now and it shows I owe XXXX they are telly me I owe over XXXX I don't even know I'm fairly confused. It's been on my credit report for over 10 years.
Product: Credit reporting or other personal consumer reports

I am victim of Identity Theft and inaccurate and incomplete information being reported by TRANSUNION. After reviewing my credit report, I noticed fraudulent inaccurate information reported by XXXX XXXX XXXX Acct XXXX for collections. XXXX XXXX XXXX reported this same XXXX account XX/XX/year>, and it was deleted from TRANSUNION credit report. XXXX XXXX XXXX XXXX also reported this same cox account XXXX and it was deleted from my TRANSUNION credit report. XXXX XXXX XXXX is in violation of 12 CFR part 1006.18 ( 1 ) ( i ) ( ii ) ( c ) ( 4 ) ( d ) False, deceptive or misleading representation in connection with collection of any debt. XXXX XXXX XXXX Acct XXXX is Identity Theft and Fraud and is a Crime in which XXXX XXXX XXXX IS WRONGFULLY obtained and is using my Identity that involves fraud and false, deceptive misleading representation in connection to collection of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is wrong information in my report,  XXXX   XXXX   XXXX  - ACCOUNT NUMBER  XXXX
Product: Debt collection

I have asking to company to previously to remove this account off my credit profile because I do not have a account with this company and I have previously asking this company to stop harassing me about a account that is not mine. Under the fair credit reporting act I have a right to previous its my right to ask for removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX performed XXXX separate hard inquiries in the span of 3 days ( XXXX XXXX and XXXX XXXX ) when I signed up for an account with them
Product: Credit reporting, credit repair services, or other personal consumer reports

credit card compan y capital one h ad a dispute on resolve yet alleged compliant solve spoke to   XXXX   at corporate office send duplicate bills with rearrange sub totals rearange debt don, t match purchases deposit and payments attached memo indicating deposit to established secure card does not appear on statement and it should appear in the the day to day balance, also unauthorized withdrawal from account after payment was made reported payment history as late in     XXXX      2017  to credit bureau when they applied the secured deposit to balance indicated account close by me i never closed account they issued card ending  XXXX  with out my consent to offset balance when request fro breakdown on how deposit was apply from to month when was open no stateme nt for  XX/XX/XXXX  o r ending balance statement to  XXXX  this matter has not been resolve please contact me for further detail  XXXX   XXXX   XXXX  duplicate statement send does not match original statement this account has never receive late payments u indicate payment receive were late let see bank transmittal for payment from bank to bank this account never been late on payments you have not resolve this matter this matter ramin open with all not mentioned forthwith
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX US DEPT ED Account # XXXX, US DEPT ED 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

I recently reviewed my credit report and identified several inaccuracies that are affecting my ability to secure a mortaggge and overal creidt. From my understanding is that you will be investiagating the following account to ensure its accuracy. Here is the account that I am asking you to verify and validate Account name : XXXX XXXX Account number : XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I submitted a dispute letter to Experian regarding incorrect and unverified information they are reporting under my credit file, including [ describe specific errors, e.g., incorrect addresses, and other personal details ]. Despite the statutory obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a timely investigation, as of this letter, Experian has not provided a response, nor have they corrected or removed the inaccurate and unverified information. 

According to Section 611 of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), credit reporting agencies are required to investigate disputes regarding the accuracy of information in a consumer 's credit file and respond to the dispute within 30 days of receiving the request. Failure to conduct a reasonable investigation or respond in a timely manner is a direct violation of this federal law.

Additionally, under Section 609 of the FCRA ( 15 U.S.C. 1681g ), consumers have the right to request and receive verification and documentation of the accuracy of the information in their credit reports. XXXX failure to provide this information also violates this provision of the law. 

As this lack of response is not only damaging to my credit standing but is also a clear violation of the Fair Credit Reporting Act, I am requesting the CFPB to investigate this matter and take appropriate action to ensure Experian complies with federal laws regarding credit reporting accuracy and consumer rights. 

I have attached copies of my original dispute letter to Experian, as well as any relevant documentation, for your review. Please keep me updated on the status of this complaint and any steps you may take.
Product: Credit reporting, credit repair services, 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. 

Acct Name Acct # 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  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.

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 reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts or inquiries below has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

XXXX Account number XXXX XXXXXXXX XXXX  XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  XXXX XXXX Account number XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX section 602 A States I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following information any other adverse item of information, other than records of 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 or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On XX/XX/year> someone hacked my debit card account from Wells Fargo and use it at XXXX XXXX XXXX XXXX for {$4500.00}. The person tried to used another {$1500.00} at XXXX but it was over daily limit. 

I have the card with me. I didn't lose my card. I hardly ever used my debit card in my 24 years of having account with Wells Fargo. I only used it at the bank to deposit money. 

I normally use my credit cards to purchase anything. 

Wells Fargo declined my claim and didn't explain. 
I don't know what XXXX XXXX XXXX XXXX is.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Transunion is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXXXXXX XXXX XXXX  XXXX Open Date XX/XX/ Balance : {$770000.00}, XXXXXXXX XXXX XXXX XXXXXXXX Open Date XX/XX/ Balance : {$390000.00}, XXXXXXXX XXXX XXXX  XXXX Open Date XXXX XXXX XXXX Balance : {$280000.00}