23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Your corporation has been requiring and demanding the unlawful use of Federal Reserve Notes also known as Floating Rate Notes ( debt notes ) as payment, when in fact, the submitted application used to open the account, with access and use of my personal and private financial information ( SSN, social security card, which is an open-ended credit card pursuant to 15 U.S.C. 1602 ( l ) along with my signature ) served as a financial asset, promissory note and security which in fact satisfies each monthly obligation pursuant to 12 CFR 360.6 ( 2 ) as well the application being self-liquidating paper pursuant to 17 CFR 260.11b-6. This is considered an unauthorized use since I have received NO BENEFIT. Pursuant to 18 U.S.C. 8, all coupons, bills, certificates of indebtness, both public and private used for personal, family and household use are the obligation of the United States. This will also serve as Notice of breach of fiduciary duty ( U.C.C. 3-307 ). Following this notice if said financial assets are not either returned to the referenced creditor/bailor/beneficiary via mail within Fifteen ( 15 ) business days or accepted for its intended purpose within Fifteen ( 15 ) business days of the receipt of this notice, an SEC complaint will be filed pursuant to 17 CFR 240.15c1-2 and 17 CFR 240.10b-5. As well as an IRS  complaint for abusive tax schemes involving the SEC filed trust arrangement for breach of securities and securities fraud. Pursuant to U.C.C. 9-210, I am requesting a full audit of the account. Additionally, pursuant to Article 1 Section 10 Clause 1 of the United States Constitution, only gold and silver, being the only lawful money of the United States of America, can lawfully discharge a debt. The use of Federal Reserve Note is unlawful and can not. Furthermore, I have noticed that you have been redeeming the remittance coupons/instrument as a non-cash item ( 12 CFR 210.2 ( k ) / ( 12 CFR 229.2 ( u ) ( 4 ). Pursuant to 15 U.S Code 1691 ( C ) and you assume civil liability pursuant to 15 U.S Code 1691 ( K ). By use of coercion and fraud, your corporation knowingly and willingly violated my federally protected rights. Pursuant to the aforementioned codes, I demand all credits be returned on all remittances/coupons at the inception of the accounts. Balance will be XXXX  out on a monthly basis via special deposit of the interest-bearing coupons associated on the itemization statement. This is your opportunity to cure as well as your notice of default for the servicing of my account. You meaning AMERICAN EXPRESS COMPANY and any of its other agents, affiliates, subsidiaries, assignees, etc. may NOT contact me by any means other than written correspondence. Failure to comply will result in legal action.
Product: Credit reporting

I had a bill with XXXX and XXXX in 2005 that went to collections. I was incarcerated at the time of the collection. They had expired from my credit report and now they keep getting renewed and showing back up. They are closed on my XXXX and XXXX reports but not my transunion. I would like them to be closed on the transunion report as well.
Product: Credit reporting or other personal consumer reports

Unauthorized use of my report. My accounts are reporting inaccurately
Product: Credit card or prepaid card

On XX/XX/2019, I booked a reservation at XXXX ( restaurant ) in XXXX XXXX, CA. This amount was {$1100.00}. 

The Amex Gold card is advertised to earn 4X Membership Rewards points on Restaurants. However, I only earned 1X Membership Rewards points with this transaction. 

As a consumer, it is only logical that I should earn 4X points for this, because : 1 ) XXXX is a legitimate, 3-XXXX  star restaurant. 
2 ) The only way to eat at XXXX is to book through their official website and pay. 
3 ) I booked through their official website and paid for my meal. 

I have reached out to American Express through their in-app chat feature on XX/XX/2019 but the chat agent refused to credit my Membership Rewards account.
Product: Money transfers

they are holding my money while making interest on it. They should have refunded the money on XXXX.2017 initiated transaction on XXXX.2017, then canceled it to change the amount to send because I noticed I was {$30.00} short in my bank account. So I canceled the transaction the same day. Next day they still withdrew money from my account. I called and spoke to XXXX ( located in XXXX ), he did not want to give me any details unless I provide last XXXX digits of my social security number although I had a confirmation number for transaction and its cancellation confirmation number. I asked to be transferred to supervisor, he said since I dont want to provide my social, he would not transfer me to supervisor. I called back again and this time lady transferred me to supervisor without questions asked. I spoke to XXXX at extension number XXXX, he claimed that they already processed a refund. I asked him to send me a confirmation via email because when I canceled transaction originally I received an email saying that " they were unable to refund automatically and have to do it manually ''. I never received anything confirming that they actually processed a refund. Until today I have not received that email. In the meantime, they withdrew money from my account which caused an overdraft. I had to borrow {$30.00} ( XXXX ) to cover that overdraft, can you imagine how embarrassing it is to have to borrow. Spoke to my bank and they did not see a refund being initiated, although XXXX said it will take 3-5 business days. Today is day number XXXX and since I did not see a refund, I called Money Gram again, spoke to supervisor XXXX. As per him, the refund will be initiated after 12 days if not longer, so they did not even start the refund. They are using my money and getting an interest on it and at the end I will have to pay a {$10.00} service fee, which is not right. XXXX did not offer any solutions but said just to wait. I asked them, since they did not start a refund, to release the monies to recipient, which is my brother, he needs to use money to get medicine for my grandmother who is not feeling well and needs her medicine. But they said no. And then hung up on me. I do not have other funds, those money was all I had. I will borrow the money from someone now and after this is all done, I will never use MoneyGram ever again. But right now I need help to get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have send letters disputing wrong negative information on my report. Transunion has mail me the results as verify but I have never received any legal proof that negative unverifiable information belongs to me.
Product: Debt collection

Dispute of Time-Barred Debt. I am writing to formally dispute the reporting of a debt by Stafford Group and Associates. listed on my credit report on XX/XX/2024 originally from XXXX XXXX XXXX. According to my records and in compliance with my state 's statute of limitations regarding debt collection, this debt became time-barred as of today XX/XX/2024 which is beyond the legal time frame for which a debt can be collected or sued over. Given that the statute of limitations for this type of debt in Texas is 4 Years, the attempt to collect or report this debt violates state and possibly federal regulations. I request that this entry be thoroughly investigated and, if confirmed to be time-barred, promptly removed from my credit report to ensure the accuracy and fairness of my credit history, in accordance with the Fair Credit Reporting Act.Thank you for your attention to this matter.Sincerely
Product: Credit reporting or other personal consumer reports

" I am writing to dispute accounts on my credit report that were made without my consent. According to section 604 of the FAIR CREDIT REPORT to section XXXX XXXX XXXX XXXX XXXX XXXX, there are specific permissible purposes for obtaining a credit report. I did not authorize these accounts and can not find any permissible purpose under this section that justifies their presence on my credit report. PLEASE DELETE ACCOUNTS XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX AND XXXX XXXX XXXX # XXXX. ''
Product: Credit reporting or other personal consumer reports

I notified the loan company affirm and XXXX the company in which the loan was taken out for that this was fraudulent in plenty of time for them to cancel all the travel products purchased ( hotel and flights ) before the thief could get away and use them and nothing was done. XXXX verified that an email and phone number was changed from my own to thief name XXXX XXXX. I have called multiple times to no avail. Now my credit has this negative account that has dropped my score XXXX points!!!! As you can see I have worked very hard to get my credit to where it's at. All my accounts have been paid of or never late! I
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to formally file a complaint regarding my Ulta credit account, which I believe involves predatory practices that have unfairly damaged my credit.

In 2023, I paid off my Ulta account in full. Despite this, I began receiving random fees on my account, which continued to accumulate without clear explanation or justification. These fees snowballed into a growing balance, which has negatively impacted my credit score. This situation is particularly frustrating as I have never been late on paying any balance owed on this account. 
In addition, I have been actively disputing the inaccuracies of these derogatory late payments with all three major credit bureaus. Despite exercising my rights under the Fair Credit Reporting Act ( FCRA ), the company continues to illegally verify the information, even though it is clearly inaccurate. As a consumer, I expect timely, accurate, and fair credit reporting to be practiced by all creditors, which has not been the case in this situation. 
I consider this practice to be both predatory and a violation of my consumer rights. These unjust fees were assessed after my balance was paid off, and the continued reporting of inaccurate information is further compounding the damage to my credit profile. 
As such, I am requesting the removal of any negative payment information reported to the credit bureaus as a result of this situation. Since I have never been late on any payment, I believe this is the appropriate course of action. 
I respectfully ask for a thorough investigation into this matter and appreciate your prompt attention to resolving this issue. Please do not hesitate to contact me if you need any additional information. 

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

I just looked at a copy of my credit report. It stated that the credit inquiry mentioned below was the source of the credit request. On the other hand, I did not authorize this inquiry. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
XXXX XXXX XXXX XXXXXX/XX/2023
Product: Credit reporting or other personal consumer reports

In XXXX of 2013 I was in a relationship with a woman that I believe stole my information to open two personal car loans without my consent and has now been reported on my credit profile. Due to this being a fraudulent claim I would like for this to be removed immediately. There was also a student loan opened in my name fraudulently that I did not give permission to open for a trucking school that I never attended. There was also a credit inquiry made in my name without my permission fraudulently. I would like for all of this to be removed immediately. 
ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT XXXX XXXX data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA XXXX XXXX COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility 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 a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX compliant, or else wise compliant to every single one even each any and 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 deletion, do so now and here!
Product: Credit reporting, credit repair services, or other personal consumer reports

The are a few inaccurate accounts with adresses i do not reside in. 
a few accounts are paid off and there still holding my information in accurate
Product: Credit card or prepaid card

In XXXX we receive a promotional offer from Barclay 's to open an account with them with 0 % interest rate for 15 months billing cycle, all purchases including balance transfers. When I check the statement this month, I notice an interest rate was applied to the account. I called Barclay 's and spoke with XXXX ( who is rude and hang up on me ) when I questioned the interest rate. then I called again and spoke with supposedly the supervisor of XXXX, Her name is XXXX, she said that what we signed up is 0 % balance transfer only and not 0 % interest for purchases. I said this is not what we signed for a 22 % interest rate. This is a case of bait and switch tactic by Barclays and false advertising. XXXX indicated Barclay will not honor the 0 % interest for purchases for 15 months. This is not what we originally signed up for. We opened the account based on the premise that 0 % interest rate on purchases for 15 months, not what Barclay is claiming
Product: Credit reporting or other personal consumer reports

Per FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, non verbal per 15 US Code 6802.

Remove, correct and update the following address, employment and phone number ( s ) to the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone XXXX XXXX There is an address on my report that is a non-mailable address. Can you tell me where you got this address? 3rd party agency? Under the Privacy Act 1984, this is a violation.

Student Loans-Family & Educational Privacy Act of 1974that is displaced on my credit report. They are not supposed to provide transaction history to anyone. They owe me. I never received a 1099C. 

XXXX XXXX? Whom are they? Remove.

Charge offs of any and all 3rd party collectors. All 3rd parties have a certificate of indebtedness. That is now income that can not be reported All Inquiries to be removed..immediately.

15 U.S. Code 1681b - Permissible purposes of consumer reports.
Product: Credit reporting, credit repair services, 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 this account 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 account need to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX : {$350.00}
Product: Debt collection

to my complaint # XXXX. Payment was sent to COAF in the form of a XXXX for fulfilment of payment defined by the IRS website which indicates that the recipient must file the form with the IRS to receive payment. Defined here : File Form XXXX, Acquisition of Secured Property, for each borrower in full or partial satisfaction of the debt, you acquire an interest in property that is security for the debt, You need not be in the business of lending money to be subject to this reporting requirement. Subsequent holder. A subsequent holder of a loan is treated as a lender and is required to report events occurring after the loan is transferred to the new holder. 
I was told that COAF does not accept XXXX as payment, however I was not given a reason why COAF could not accept the XXXX. Also by Postal Rule CAOF in fact have already accespted my offer of payment. I also sent a payment of Negotialbe Insrument money order payment coupon in which they also rejected : Definition- Negotiable instruments are mainly governed by state statutory law. Every state has adopted Article 3 of the Uniform Commercial Code ( UCC ), with some modifications, as the law governing negotiable instruments. The UCC defines a negotiable instrument as an unconditioned writing that promises or orders the payment of a fixed amount of money. 
so my case has note been properly handled by COAF.
Product: Checking or savings account

This is a follow up to complaint XXXX submitted on XX/XX/year>. 

The company requested a statement in order to release my funds on my closed account. I sent the statement on XX/XX/year>, but they've stopped responding.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter and recently reviewed my credit file and unfortunately found that some of my personal information was incorrect you are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit profile within the next 30 days. If I dont receive any updates from you during this period, i know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately. 

To whom it may concern, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 

Account Name 1 : Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly ACCOUNT NUMBER DATE OPENED LAST REPORTED DATE LAST ACTIVE AND DATE OF LAST PAYMENT XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX I demand that any and all late payments be removed as you in clear violation of 15 U.S. Code 1681 e ( b ) failure to provide maximum accuracy among all credit reporting agencies.Failure to comply with my demand is a violation of 15 U.S. CODE 1681In - a In general Any person who willfully falls to comply with any requirements imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damaged of not less than {$100.00} and not more than {$1000.00} or ( 3 ) in the case of any successful action to enforce any liability under this section the costs of the action together with reasonable attorneys as determined by the court and also violation of 15 U.S. Code 1681o Civil liability for negligent noncompliance - ( a ) IN GENERAL Any consumer is liable to that consumer in an amount equal to the sum of - ( 1 ) Any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section. The costs of the action together with reasonable attorneys fees as determined by the court. I am fully prepared to file for litigation and contact the Consumer Financial Protection Bureau, and better business bureau if you do not comply with my demand!
Product: Payday loan, title loan, or personal loan

There is no problem with XXXX XXXX itself. My installment loan was paid off back in XXXX of this year. I pulled up my account on their website, I called and spoke with them, and I did a chat with XXXX of the reps just to make sure. The XXXX XXXX XXXX, confirmed that that loan was already paid off and that the account is now inactive.

I am getting repeated phone calls from Global Trust Management. Ive already spoken with one of the reps about a month ago and she said that I would have to contact XXXX XXXX to get it worked out because theyre still trying to collect his debt for them. At this point they are calling me regularly and theyre calling my husbands phone. The strange thing is that when theyre calling my phone shows global trust management but once they hang up, theres no number/no record of them calling on my call registry. The rep who called today actually spoke with me. I was able to answer the phone on time and I explained to her that this was a loan that was already paid off months ago and she claimed that it is still open and that XXXX XXXX sent it over sent it to them to collect ( XXXX XXXX still denies that. ). The Global Trust Management rep said that she could give me until tomorrow. At this point, I know that debt is not valid and I just want this company to stop contacting me and my family. I am a schoolteacher out for the summer, but we return in a few weeks, and I dont want this company to start calling my school and cause problems for me!
Product: Credit reporting or other personal consumer reports

Experian own website says they are not telling the truth and are trying to extort money to update my score because they are deliberately showing low scores to put credit cards there own website proves my case there website shows the that this is done on purpose
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and didnt realize a charge nor the company so I sent a letter so they can validate the charge, and they sent me a copy of my private personal medical information and dont even know the person nor did business with them they are in violation of the HippA law and I want them stop reporting and try to collect on this debt
Product: Bank account or service

Hi im complaining Paypal because they wont let me withdraw or transfer funds to my local bank. They just sent an email saying that they noticed a pattern and that it maybe at risk so it has been permanently limited and the frustrating part is that i 'll have to wait 180 days when it 's available telling me that they just want to make sure that its not involve in any fraudulent activities. I email them saying that all transaction are legitimate but they only responded stating that their decision is final and that i can not withdraw my money. Please help me i needed it for hospital and medical expenses for my family.