23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX, 2024- I received a debt collection notice from Lockhart Morris and Montgomery for the reference # XXXX for the amount of {$860.00} for a creditor by the name of XXXX . 

XX/XX/XXXX, 2024- I contacted Lockhart Morris and Montgomery via email at their email that was provided on their sent statement, XXXX, disputing the debt and requested original agreement for the debt. 

XX/XX/XXXX, 2024- I received notice that Lockhart Morris Montgomery has appeared on my credit Bureau report. 

XX/XX/XXXX 2024- I contacted Lockhart Morris Montgomery via phone at XXXX. I informed the first representative of this issue, he stated that he would have a manager call me regarding this matter in 15 minutes. I never received a call back so after 30 minutes went by, I called Lockhart back. Another representative informed me that she will be escalating my matter and someone will email me back or call back.

Lockhart Morris and Montgomery failed to provide me requested documentation of my original purchase agreement for the creditor XXXX within 30 days of my dispute and has now affected my credit report with inaccurate information going against my consumer rights and has caused triumph for me.
Product: Credit reporting or other personal consumer reports

I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful. 
I hereby notify you to ensure the accuracy of all your claims, as mandated by the Metro 2 reporting standard. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Employers : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XX/XX/XXXX Listed below are the Accounts that are being challenged XXXX  XXXX XXXX {$4100.00} XXXX XXXX XXXX {$1300.00} XXXXXXXX XXXX XXXX {$760.00} XXXX XXXXXXXX {$2300.00} XXXXXXXX XXXX XXXXXXXX {$2200.00} Listed below are the Inquiries that are being challenged 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 card or prepaid card

I checked my report on XX/XX/2021 and see this negative report and is affecting my credit file.
Product: Debt collection

I Have Sent Dispute Letters To This Company That There 's Noting Stating That I Signed Saying Anything Will Be Sent To A Collection Agency. I Signed A Release To Have Medical Treatment and The Release Of Medical Information That 's It Nothing Else And I Want This Off My Credit Further More Its a Hippa Violation!!!!     {$55.00}  XXXX / XXXX / XXXX  {$72.00}  XXXX / XXXX / XXXX  {$110.00}  XXXX / XXXX / XXXX  {$170.00}  XXXX / XXXX / XXXX  {$150.00}  XXXX / XXXX / XXXX  {$190.00}  XXXX / XXXX / XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally dispute several inquiries listed on my credit report. These inquiries were made without my consent or authorization, and I believe they are in violation of the Fair Credit Reporting Act ( FCRA ), specifically the following sections : 1. Unauthorized Inquiries : FCRA Section 1681b ( f ) states that consumer reporting agencies may only furnish a consumer report for a permissible purpose. Permissible purposes include decisions related to credit, insurance, employment, and other legitimate business needs. Unauthorized inquiries are violations of this section.

2. Accuracy and Integrity of Information : FCRA Section 1681e ( b ) requires consumer reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information contained in a consumer 's credit report. 

The following inquiries are in question : XXXXXXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX According to the FCRA, a permissible purpose for accessing my credit report requires that there is a legitimate reason to do so, such as for the purpose of extending credit, employment, insurance, or other lawful business purposes. I have not applied for credit, sought employment, or engaged in any transactions with the entities listed above during the respective dates of these inquiries. Therefore, I dispute the validity and legality of these inquiries and request that they be investigated immediately. 

I request that you provide me with detailed information regarding these inquiries, including the name and contact information of the entity or individual who made each inquiry, the date and time of the inquiry, and the permissible purpose for each inquiry as mandated by the FCRA. If you are unable to provide this information or if it is found that these inquiries were made without proper authorization, I demand that they be promptly removed from my credit report. 

Please be advised that I am aware of my rights under the FCRA and will not hesitate to pursue legal action if these unauthorized inquiries are not resolved in a timely manner. The FCRA grants me the right to accurate and fair credit reporting, and I expect that my rights will be upheld. 

I kindly request that you investigate and resolve this matter within 30 days, as required by law ( FCRA Section 1681i ( a ) ( 1 ) ( A ) ). Failure to do so will leave me no choice but to seek legal remedies available under the FCRA.

I have enclosed a copy of my credit report highlighting the disputed inquiries for your reference. Please acknowledge receipt of this dispute letter and provide me with a written response as soon as possible.

Thank you for your prompt attention to this matter. 

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

XXXX XXXX XXXX report my account 30 days late in XX/XX/XXXX. I have never been late on this account and valid payment history and statements validates my complaint. I made a large payment on XX/XX/XXXX of {$500.00}, XXXX XXXX failed to apply XXXX 's payment and place the total amount of {$500.00} towards balance. This in return cause my account to be reported 30 days behind. This is there error with their automatic system that failed to apply amount due and rest of payment towards remaining balance. I am unable to speak to a live person at XXXX XXXXXXXX, they forward the inquiry to a different department who you are not able to contact directly. This complaint has been filed with XXXX and XXXX, they have resolved this issue. My file with XXXX and XXXX is showing no late payment history based on supportive documents I submitted to validate perfect payment history since XXXX.
Product: Checking or savings account

I have repeatedly initiated a transfer of my account holdings from a savings account held with Affirm. It has been declined XXXX. I spoke with customer service on the phone several times and been assured there is no issue with the account. Nevertheless, I am unable to transfer the funds to my checking account with another institution. There is no reason provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 15th 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, SC XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Consumer Loan

On XXXX/XXXX/15 I went online to research car refinance rates in my area. I used XXXX and found a site that I understood would provide me with the prevalent rates in my area. They required some personal information to identify the best rates. I completed the form and submitted the information. In no way did I request or apply for a car loan as I only wanted to research current refinance auto loan rates. Unfortunately this site uses deceptive messaging and serves as just a marketing gateway to lenders which consequently ran my credit XXXX ( XXXX ) times thus affecting my credit report/score. Unfortunately I deleted my browser history and do not have the name of the deceptive website but i do have the names of the XXXX finance companies that deceptively acquired my personal information and ran my credit report resulting as a hard inquiries on my credit report. 
I have attempted to contact the XXXX companies in question to no avail as they all have stated they are not responsible for the deceptive practices of the original website. I disagree and would like them to remove the inquires in question on on my credit report. 
I 'm respectfully requesting assistance to have the companies in remove their respective inquiry from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you that I was a victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts and information which do not belong to me or were opened without my permission, please remove them as soon as possible : 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 Bankruptcy Date Filed/Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have read and according to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

Good morning! I am to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety. Thank you have a blessed day
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXX ; XXXX XXXX CT XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX CARD XXXX Balance : {$6000.00} ; XXXX XXXX Balance XXXX {$2300.00} ; XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX {$670.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX  XXXX Balance : {$810.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$410.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$350.00} ; XXXX XXXX XXXX ( XXXX : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$220.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ;
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of the fraudulent accounts and inquiries listed below from my credit file. I am a victim of a data breach, and these accounts and inquiries were opened or accessed without my authorization. 
Fraudulent Accounts 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: Credit reporting, credit repair services, or other personal consumer reports

Discover Card has their Trade line name list twice on my credit reports as if they have lent something of value you to me. Based off of how the Federal Reserve says banks create loans, GAAP and the true substance of the funds, Discover Card has not lent anything to me on the alleged information that they claim to be the " creditor '' on my credit reports. I have tried to have the false and misleading information removed from my reports, but unfortunately they keep saying that it " meets FCRA requirements ''. This note alone is false and misleading. If they are not the actual creditor on the alleged account and can not prove the substance of what the amount they have allegedly lent, then there is no way they are meeting FCRA requirements. The below cases below shows proof that banks do not have the power to be the creditor. 


Case Law A national bank has no power to lend its credit to any person or corporation... Bowen v. Needles Nat. Bank, 94 F 925 36 CCA 553, certiorari denied in 20 S.Ct 1024, 176 US 682, 44 LED 637. 

The doctrine of ultra vires is a most powerful weapon to keep private corporations within their legitimate spheres and to punish them for violations of their corporate charters, and it probably is not invoked too often. Zinc Carbonate Co. v. First National Bank, 103 Wis 125, 79 NW 229. American Express Co. v. Citizens State Bank, 194 NW 430. 

" It has been settled beyond controversy that a national bank, under federal Law being limited in its powers and capacity, can not lend its credit by guaranteeing the debts of another. All such contracts entered into by its officers are ultra vires... '' Howard & Foster Co. v. Citizens Nat'l Bank of Union, 133 SC 202, 130 SE 759 ( 1926 ). 

" It is not within those statutory powers for a national bank, even though solvent, to lend its credit to another in any of the various ways in which that might be done. '' Federal Intermediate Credit Bank v. L 'Herrison , 33 F 2d 841, 842 ( 1929 ).

. " ... the bank is allowed to hold money upon personal security ; but it must be money that it loans, not its credit. '' Seligman v. Charlottesville Nat. Bank, 3 Hughes 647, Fed Case No.12, 642, 1039.

If any part of the consideration for a promise be illegal, or if there are several considerations for an unseverable promise one of which is illegal, the promise, whether written or oral, is wholly void, as it is impossible to say what part or which one of the considerations induced the promise. Menominee River Co. v. Augustus Spies L & C Co.,147 Wis 559-572 ; 132 NW 1122.
Product: Mortgage

I refinanced my mortgage in XXXX of XXXX, and part of that was paying off and closing my HELOC with Citizens bank NA. Citizens reported to my credit bureau the account was satisfied and closed on XX/XX/XXXX. 

In the beginning of XX/XX/XXXX I applied for a new HELOC with XXXX XXXX During the process they noticed that Citizens Bank was still listed as a lienholder on my house title, and told me I had to have them removed to proceed with my HELOC. 

I contacted Citizens Bank on XX/XX/XXXX to find out what was going on with this closed account. The account was never closed. They advised me to pay a {$80.00} discharge fee, which I paid over the phone and that it would be 10 business days to process the closure of the account and removing their name off the title as a lienholder. 

I followed up with Citizens Bank on XX/XX/XXXX to find out where they were at. I was informed that the process had not started and that they would start the process. They told me that I would have to wait an additional 7 business days for the loan to be closed and to remove their name as a lienholder. 

I called today on XX/XX/XXXX to find out where the letter of satisfaction was for this loan. I was informed that they still have not started the process and that it was take another 7 business days. The issue is now XXXX thinks I'm pulling their chain and they are going to close my loan application because i have not provided proper documentation of the HELOC being closed at Citizens Bank. If they close it I am going to have to reapply and be subject to an increased interest rate because it has changed since XXXX and not for the better. 

I don't know what to do at this point and need someone to investigate why they are refusing to help me. I feel like I'm being defrauded by Citizens Bank and they are forcing me into a situation where I will have to pay more for my loan elsewhere.
Product: Checking or savings account

I got scammed early this XXXX for {$900.00}. So we filed for a claim from the Bank of America. They told us to wait for 45 days but after that they said they cant do anything.
Product: Vehicle loan or lease

I had a XXXX on or about XX/XX/, I had to go on FMLA leave from my employer due to my untimely health event. While you are on FMLA you do not earn your paycheck but your job is secured. I phoned Credit Acceptance requesting a difference and or any way they could assist. I was vehemently denied any assistance on my monthly payments, and told they don't offer those programs. I began working again on XX/XX/, however, I was demoted, and reduced to part time, with restricted hours, which is already being addressed by my attorney and employer. I have been making payments on my vehicle on a bi-weekly basis, attempting to " catch up ''. I have received 8 to 10 phone calls daily from credit acceptance, some after XXXX XXXX. These are threatening phone calls, and excessive. This is not helping my recovery, but instead is causing undue stress to my health conditions. I have requested intermittent FMLA from my employer as other health conditions have been exposed by the initial health event. I do not need or invite their continued harassments when I have been attempting to get caught up on my finance loan. These business practices should be investigated.
Product: Credit reporting or other personal consumer reports

The credit card I have is XXXX. I have never missed a payment with them but yet they are reporting a late payment on my credit. I had a XXXX balance on the months that they said I missed which no payment was due. They said they would fix it but never did. I disputed it and still nothing
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you are unlawfully reporting unauthorized inquiries on my consumer reports. I have not initiated any transaction with these companies that have been listed as inquiries. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with these inquiries for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. The following inquiries are listed on my consumer reports are false and inaccurate : 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 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  credit reports listed below with the dates attached to inquiries that does not show open accounts on these dates. I do not contact these companies by law if there is not account attached to these date and companies and there is no proof of validation give to me the consumer they must be removed immediately required by law.
Product: Credit reporting or other personal consumer reports

EXPERIAN refuses to provide proof of debt by XXXX and XXXX. This demand has been made repeatedly. Please see attached. 
Please add my file to the LAWSUIT against EXPERIAN for sham investigations