23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I Will state a few consumer laws throughout this complaint. The Department of Education has violated me in a few ways. Also the department is reporting to the IRS, Numerous credit bureaus false information ; which is deformation of character. Its reporting of closed accounts with balances. 

The Privacy Act of 1974 's Section 7 prohibits federal, state, and local government agencies from requiring a Social Security number to receive a benefit, right, or privilege. The law also requires that government agencies inform individuals if disclosing their Social Security number is mandatory or voluntary.

Asking for My social security number to access my Trust created in my name; Then having me sign a promissory note to be paid. The debt is already paid in full.

Asking to be paid again with interest is overkill.

The Privacy Act of 1974, 5 U.S.C. 552a, provides privacy protections for records containing information about individuals ( i.e., citizen and legal permanent resident ) that are collected and maintained by the federal government and are retrieved by a personal identifier. 
My information has been shared numerous times with this entity. 
My credit report will reflect various entities that has obtained my personal information through the department of education. 
To harass me with paying a debt that has already been paid ; then garnish my wages through a 3rd party company is a prime example of a privacy act that has been violated. 

XXXX XXXX XXXX XXXX XXXX This subrogated the rights of men and women, meaning all were declared dead, lost at sea. The Gov took custody of everybody and their property into a trust. The state became the trustee holding all titles to the people and property, until a living man comes back to reclaim those titles In consumer law I am considerd property not a living human This was a previous complaint to the department. the way the Department of Education responded was talking around the subject and sending me promissory notes. I was connected to a representitive that was unfamiliar with private banking as a Secured Party Creditor. 

The Treasury is the Holder of this Note, each payment under this Note shall be paid in immediately available funds by electronic funds transfer to the account of the United States Treasury maintained at a Federal Reserve Bank
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Acct # starting in XXXX I am writing to dispute a charge off on my credit report that is past the statute of limitations. 

According to my records, the statute of limitations for this debt has expired, and as such, it should no longer be reported on my credit report. This account was settled in XX/XX/2016. 

I request that this charge off be removed from my credit report as as soon as possible.
Product: Vehicle loan or lease

GM FINANCIAL KEEPS REPORTING THAT I OWE THEMMONEY AND I DO NOT ... ... RIGHT NOW THEY CLAIN I OWE 2 MONTHS I HAVE PROOF ON MY STATEMENT THAT I PAID FROM MY ACCOUNT AT XXXX ... ALSO IN THEPAST THEY SENT EMAILS FOR THE BILL BUT WHEN THERE WAS A PROBLEM WITH MY CHECKINGACCOUNT LAST YEAR THEY SAID I TOLD THEM NO CONTACT WHICH IS NONSENSE AS THEY SEND ME A NOTICE TO PAY..I REPORTED THIS BUT YOU AT CFPB KEPT CALLING ANOTHER GM NOT THE GM THAT TAKES PAYMENTS FOR CAR LEASES IN XXXX XXXX TEXAS
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX in the amount of {$640.00} XXXX XXXX XXXX {$4500.00} XXXX XXXX {$450.00} were disputed XX/XX/year> and XX/XX/year> disputed with pertinent correspondence that indicated that the accounts were not mine to which the Experian rep on recorded call identified multiple identity to the account did that did not align and then suggested that report findings were verified but when I asked for the items verified they were not produced. I was instead told it was verified and validated. When both XXXX and XXXX credit bureaus took time to review documents found the information to not align with my identifying information and indicated verifications could not be validated.
Product: Checking or savings account

writing on behalf of my client ( XXXX XXXX XXXX XXXX ) who is dealing with the recent death of her father. XX/XX/XXXX she settled on the sale of her father 's house. proceeds check for over {$300000.00} was to be overnighted to her ( XXXX XXXX XXXX XXXX ) policy. Check received XX/XX/XXXX. She deposited the check at Truist Bank ( located in PA but chartered in NC ) and was told the funds would not be readily available to her <to pay inheritance tax and other expenses> A day or XXXX later she was told by the XXXX XXXX who issued the check that the funds had cleared their bank. But Truist still refused to release her funds. It was not until XX/XX/XXXX that she had access. Regulation cc states funds may be held for a reasonable amount of time. Is 10 days reasonable? This was a XXXX XXXX check - guaranteed by the title co. Had she taken that check to another settlement for the purchase of a property it would have been readily accepted by another title co., but not by Truist bank. Who is profiting from these funds sitting at Truist for 10 Days...
Product: Credit reporting, credit repair services, or other personal consumer reports

This is to inform the CFPB, with the respect that the agency, deserve that I am fully aware of the procedures on how the CFPB, helps us as consumers, I am a consumer practicing my legal rights, notice to agent is notice to principal, notice to principle is notice to agent, my understandings are the following, how does CFPB enforce to help consumers when they enforce the law, we or a court XXXX order the defendant to take action to remedy the harm it caused consumers. This can include requiring the person or company to compensate its victims for this harm by providing consumer redress. Obtaining consumer redress is a top priority in any enforcement action or public enforcement actions. When warranted by the investigation, Enforcement may seek authority from the Director to take a public enforcement action. Alternatively, Enforcement may close the investigation without taking public action or refer the matter to the Office of Supervision Examinations to resolve the matter through our supervisory process. If the Director authorizes a public enforcement action, we may bring the action in state or federal court or institute an administrative adjudication proceeding. Administrative adjudication proceedings are formal adversarial proceedings conducted by an administrative law judge, who issues a recommended decision to the Bureaus Director. The Director issues a final decision, either adopting or modifying the administrative law judges recommended decision. When we enforce the law, we or a court may order the defendant to take action to remedy the harm it caused consumers. This can include requiring the person or company to compensate its victims for this harm by providing consumer redress. Obtaining consumer redress is a top priority in any Enforcement action. In addition, we also have obtained a wide range of injunctive relief designed to stop unlawful conduct and prevent future violations. In some instances, relief has included banning individuals and companies from future participation in the marketplace. And just to let the CFPB know with all the respect the agency deserves which I has no intention to promote any unlawful, false, or fraudulent purpose, to promote or conduct an illegitimate object or purpose, or is being requested or submitted in bad faith or for the purpose of harassing or defrauding a person, those companies that I have mentioned on the PDF file linked to this report has violated several times and disregard the noticed send by certified mail. on all companies mentioned on this attachment please address and enforce those violations since I have been disputing those accounts for the past month and for the past three years. And with respect I am aware of 12 section 411 which I have a dress to all the companies mention on the PDF file which they have disregarded. 
thank you.
Product: Payday loan, title loan, or personal loan

On XX/XX/2018, I was issued a loan from XXXX for {$600.00}. To date, I have paid {$620.00}. Per South Carolina law ( where I reside ), payday loan lenders can only charge up to {$15.00} per {$100.00}. On {$600.00} loan, the fees collected should be {$90.00}. XXXX states I still owe {$160.00}. For a {$600.00} loan with a {$90.00} fee, my amount to pay would be {$690.00}. With the {$620.00} which has already cleared, to collect another {$160.00} from me would mean XXXX will receive {$790.00} on a {$600.00} loan. This is PREDATORY, OBSCENE and APPALLING!!! XXXX preys on individuals in dire financial situations and profits astronomically and excessively on those situations. It is DISGUSTING and CRIMINAL. I will pay a final payment of {$75.00} on XX/XX/XXXX. At that time, I want my account marked " Current/Paid in Full/Closed ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had sent the check as a payment before XX/XX/2017 ( the due date ) But the  payment came back to me. I was never late on payments
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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

I reviewed my credit report and noticed some inaccuracies. It appears to be fraudulent accounts that are reporting inaccurately on my credit report. A company by the name of XXXX XXXX XXXX is listed on my credit reporting stating that I owe their company {$120.00}. I reached out to this company and asked for validation of the debt, and I requested for this account to be verified showing that I am the person that is truly responsible for this debt. I never received any information showing that I was truly the person responsible for this debt. They are harassing me {$120.00} that I don't owe. Pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) if this company claim that I owe them, and they must valid the debt. In addition, I am being harassed. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. 

I am requesting assistance with this fraudulent account.
Product: Debt collection

This debt is inaccurate it was a balance transfer. They promised me zero percent for 18 months they started charging interest after 6 month. I tried to dispute the amounts that where charged and incomplete. This was with penfed credit union now this company XXXX XXXX is taking me to court. I have never had any agreement with this company and now they are in the process of taking me to court. They have no right into this because the account agreement was between me and penfed and there offer was 18 months not six.
Product: Money transfer, virtual currency, or money service

When XXXX glitch happened my card was lost for chime there was 3 amounts on top of other amounts these 3 ( $ XXXX ) were not included in my disputes due to chimes fault when I called them they sent me a decision in less then 12hrs later.i called XXXX XXXX to ask how they and chime concluded this and XXXX XXXX said they were never contacted by chime.so I reopened it yesterday XX/XX/23 and this morning they denied it again called XXXX XXXX same response chime never contacted them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2021 XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$1500.00} XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX Balance : {$2300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$320.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$280.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$600.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1800.00} XXXX XXXX Balance : {$100.00} Medical XXXX Balance : {$91.00} Medical XXXX Balance : {$79.00} Medical XXXX Balance : {$61.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The following information/ accounts are inaccurate and need to be removed from my credit report immediately. 

FCRA VIOLATION SEE BELOW / SEE ATTACHMENTS wrong names - please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX wrong addresses - please remove XXXX XXXX  XXXX, NM XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NM XXXX SINGLE FAMILY XXXX XXXX  XXXX, NV XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, NM XXXX SINGLE FAMILY wrong phone numbers - please remove ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX wrong employer - please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE THE FOLLOWING ACCOUNTS : XXXX XXXX XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account Comments Edit not mine, please remove from my report RemoveXXXX XXXX XXXX  Account Dispute Reason Selected Edit Not mine or No knowledge of account Comments Edit not mine, please remove RemoveXXXX  XXXX XXXX Account Dispute Reason Selected Edit Payment never late Comments Edit payment never late, please fix RemoveXXXX XXXX XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not have the most recent Nordstrom account information. I contacted the credit customer service to find out the exact amount and the bill cycle date. 

I was advised by a female agent that I needed to make the payment by XXXX of XXXX. The payment was made on XX/XX/2021. Being that I was affected by COVID, I also inquired about any COVID relief programs. The agent insisted that there were no available programs. 

On XX/XX/2021, I received an alert from credit card that Nordstrom credit account is currently 30 days late.
Product: Debt collection

I want to emphasize that I am a victim of identity theft, and the presence of these fraudulent accounts on my credit report has had severe consequences for my financial well-being. I have taken the necessary steps to dispute these inaccuracies, providing supporting documentation and evidence of the fraudulent nature of these accounts. However, my previous disputes have not been adequately addressed, and I am particularly puzzled by the Bureau 's request to extend the investigation period to 60 days. Despite this extended timeframe, there has been no resolution, and I am left in a state of confusion as to why my requests seem to be ignored or not properly addressed. 
XXXX  XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! 
XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! 
XXXX XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! 
As a consumer, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates credit reporting agencies to ensure the accuracy of the information they report. It is disconcerting that, as a victim of identity theft, the fraudulent accounts are still tarnishing my credit report.
Product: Credit reporting

Equifax and XXXX failed to notified me regarding notice of disputed of reinvestigation as well some accounts has been removed from one Agency and let reported on the other. I demand this items to be deleted permanently. All this accounts on the report marks as derogartoy where not notified per FCRA require reporting agency to give notice of reinvestigation
Product: Credit reporting, credit repair services, or other personal consumer reports

Northwest Collectors INC-date of payment XX/XX/XXXX for two accounts. I paid it off. When I paid it off I was under the impression, per the conversation with the representative from this company, that the collection would be off my report once I paid it in full. Discovered this was still on my credit on XX/XX/XXXX. I complained to the company on XX/XX/XXXX and called again on XX/XX/XXXX and asked to speak with a supervisor and was transferred to XXXX who said she was the highest supervisor I could speak to. While she was not extremely rude, she did cut me off and over talk me several times. Regardless of what her answer was, she could have waited for me to finish talking. I was told the policy, but also explained that again, per my payment and interaction 2 years ago with the representative that this would be removed off my credit. I filed a dispute with XXXX on XX/XX/XXXX. The results of the dispute were that 1 account was deleted, but the other still remains as of XX/XX/XXXX. Both accounts were paid on the same day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to get this fraudulent account removed off my credit report for some time now I have no idea who opened this Account using my personal information I got a police report and its being investigated. I filed a identity theft report and got a ftc affidavit I even contacted the company and they refused to help me but keep verifying that the account is accurate which I dont understand because its no information linking me to that account or prove I was the one opened the account Im going to attach all information and supporting documents now.
Product: Money transfer, virtual currency, or money service

Paypal.com is suspending my account for not providing them with a SSN. according to the IRS I am not eligible to get a SSN and they say that financial institutions can't require a SSN from people who don't have one.

I already have verified my Passport and address with PayPal so they know who I am, thereby Paypal fulfilled the know your customer process. Still they insist on receiving a copy of a SSN card, which I don't have.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found and error on my report. I had XXXX late payments on an account that was in fact on time. This account has never been late, I have contacted the company and they reversed the late charges. I have attached the information.
Product: Checking or savings account

The reason why I am filing this is complaint is out of concern because the Bank of America Claim Dispute automated service would not allow me to upload all of my evidence and tell the full story regarding why I filed the Bank Of America Claim dispute ending in XXXX. Below is the full story behind Bank of America Claim dispute ending in XXXX. 

The nature of my latest complaint against XXXX is that on XX/XX/2022, I purchased a Deep Tissue Message Gun ( Exhibit B ). The product started working well until a week ago. First, the message gun motor started smoking with felt a slight sting that burned my left thigh. The best way to describe the burn is when frying food in the skillet and the occasional pops from the grease sting your face. Please note, the motor was not at full speed when the incident occurred. 

Secondly, After the message gun started smoking. I contacted XXXX customer service via chat on XX/XX/2022 ( Exhibit C ). I spoke XXXX Customer Service Rep, XXXX via chat. XXXX advised me to contact the seller. I did as instructed. The seller XXXX XXXX, never contacted me about honoring the warranty ( Exhibit D ). On XX/XX/2022, I contacted XXXX customer services via chat. I spoke with XXXX customer service rep, XXXX ( Exhibit D ), I informed XXXX that XXXX XXXX, the third party seller who sold me the Message Gun never replied to my message about honoring the warranty. It's been a week and I still have not heard from the seller nor from an XXXX Escalation specialist. 

Thirdly, It is worth noting that the seller XXXX page discontinued seller the message gun that I ordered from them ( Exhibit D ). And they switched their name from XXXX XXXX to XXXX XXXX XXXX ( Highlighted in Yellow in Exhibit D ). I Finally, I suspsect that XXXX and its third party seller sold me a counterfeit product by a third party seller based based in a foreign country. I have tried every remedy with XXXX to resolve this but XXXX and its third party seller refused. It is also worth noting as you are reading this that I have contact the Washington State Attorney General Office ( Where XXXX Headquarters are located ), United States Federal Trade Commission and the United States Customs Counterfeit Fraud division.
Product: Credit reporting or other personal consumer reports

This account is not a collections account. This company is abusing the system.
Product: Debt collection

I had received a call when I answered I told them to hold a second to pull over because I was driving then the call ended I then called back to see what the call was for when I got to a representative I asked whats the reasoning for calling she was obnoxious very rude and didnt really want to be on the phone I then told her she was being rude then stated I was because I was asking questions she didnt like she said all calls are monitored and recorded so if they could run back the tape they would listen to the conversation
Product: Payday loan, title loan, personal loan, or advance loan

I obtained a personal loan in the amount of XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX of XXXX I was injured on my job and could not work for XXXX months. I went to see the owner of credit plus and informed him immediately and explained the situation and showed him my paperwork and asked if the loans had insurance and he said no but that it would be okay. just keep him informed. well immediately after I walked out the office he files a lawsuit against me. I have been to court with his attorney, and she refused to honor the receipts I had into evidence. I felt it was in justice and prejudice against me and my character. On XX/XX/XXXX, I was issued another court citation to garnish my wages. again, the amount that has been entered on court documents are wrong. I live in XXXX XXXX and the case number is XXXX The attorney is suing again without the correct amount listed. I have paid they XXXX I have the receipts. They also added XXXX XXXX to me my Suit which I did cosign for, but he's able to pay his on bills monthly. All I'm requesting is that the amount be entered in correctly. attorney handling the account is XXXX 's XXXX and XXXX XXXX in XXXXXXXX XXXX XXXX
Product: Debt collection

Southwest Credit Systems are alleging that I opened an account on XX/XX/year>. However, I have no knowledge of this account.