23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 XXXX TransUnion and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. XXXX Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc Better Business Bureau. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Bankruptcy in My Credit Report Request for Removal under Section 623A-5 Dear Sir/Madam, I am writing to formally dispute the bankruptcy that has been incorrectly reported on my credit report. Under Section 623A-5 of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate, incomplete, or unverifiable information that is being reported.

Upon reviewing my credit report, I have identified that the bankruptcy listed in my credit history Transunion is incorrect. I am requesting your assistance in removing this from my credit report, as I believe it was reported in error or is not verifiable.

Details of the Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Reason for the dispute : Lack of debt validation, error in reporting Under Section 623A-5, I request that you investigate this matter and take appropriate actions to remove the incorrect information from my credit report. According to the applicable laws, the information must be accurate and verifiable, and in my case, it does not meet those criteria. 

I have attached the relevant documents to support my dispute, including : A copy of my credit report showing the bankruptcy As stipulated by the Fair Credit Reporting Act, I understand that you are required to resolve this dispute within 30 days. I would appreciate it if you could update me on the progress of my case and the resolution of this dispute. 

If this incorrect information is not removed, I will be forced to take further legal actions, which may include filing a complaint with the Department of Justice or pursuing additional legal measures. 

I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX XXXX XXXX [ Last XXXX digits of your Social Security Number XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a dispute regarding a creditor and credit reporting agencies that have broken consumer laws by reporting numerous inaccurate accounts on my consumer report. I am seeking your assistance in holding these companies accountable for their actions and correcting the inaccurate information on my consumer report. 

The inquiries I am referring to, for which I did not give written permission, are as follows XXXX XXXX XXXX XXXXXX/XX/year>2024 XXXX XXXX XXXX XXXX/XXXX/2024 XXXX XXXX XXXX XXXXXX/XX/year>2024 XXXX XXXX XXXXXX/XX/year>2024 XXXX XXXX XXXX XX/XX/scrub>/2024 XXXX XXXX XXXX XXXX XXXXXX/XX/year>2024 XXXX XXXX XX/XX/year>2024 XXXX XXXX XXXX XXXXXX/XX/year>2024 XXXX XXXX XXXXXX/XX/year>2024 XXXX XX/XX/scrub>/2024 XXXX XXXX XXXX XXXXXX/XX/scrub>/2024 I have already put both the credit reporting agencies and the furnishers on notice regarding the inaccuracies on my consumer report. Despite this, no action has been taken to correct these errors, which continue to cause me extreme harm. The inaccuracies on my consumer report have prevented me from obtaining credit, employment, and other opportunities that require a clean credit history. 

I am requesting that your agency investigates this matter and takes the necessary steps to ensure that these companies are held accountable for their actions. I am also requesting that the inaccurate inquiries on my consumer report be removed and corrected immediately. I have also attached the FTC report as well. I believe that your agency has the power to protect consumers like myself, and I hope that you will take this complaint seriously. 

Thank you for your attention to this matter. I look forward to hearing from you soon.
Product: Debt collection

I spoke with representative XXXX XXXX at Summit Receivables and he was very unprofessional. I called 2 weeks XX/XX/XXXX to stop all payments on my account. He was very aggressive and demanding. He kept telling me to provide my checking account and routing numbers. He said he 'll remove all payments. On XX/XX/XXXX a payment for {$37.00} was processed in which it should n't have. It was n't even an original pay fate that I set up. I contacted the company on Monday XX/XX/XXXX and explained I would like a verbal cease and desist and informed I 'll send in a written notice as well. I understand that I owe a debt and responsible for repayment. I was willing to pay off at payments that were within my budget. They did n't understand and wanted to dictate terms. If I was able to do the bigger payments I would have done that before the account charged off.
Product: Credit card or prepaid card

American Express maintains promotions ( 'Offers ' ) within their App and website that advertise certain promotions tied to spend at certain vendors. American Express also advertises these offers via e-mails. Within the App, once you select an offer detail, there is a single-click option to add the offer to your card. 

I have an account with American Express. I have a card and my wife has a card on the same account. 

On XX/XX/2018, I contacted American Express to inquire about a charge that should have been eligible for an advertised promotion ( {$5.00} off a {$20.00} or more purchase at 'XXXX XXXX ' ) that did not receive the advertised discount. We would have not made this purchase in absence of the discount. The charge was placed on my wife 's card. 

When contacted, American Express ' position was that only the 'enrolled Card ' is eligible for the discount and not all cards on the account ( the other card being my wife 's ). The enrolled card being whoever 's user name is logged in on the app and selects the button. Within the app, there is not an option to select which 'card ' to apply the discount too and this disclaimer is buried on a page in certain legalese that is not readily apparent from the quick consideration you would give within an app. 

I am not sure when this policy when into place, but I am certain it is reasonably new as we have used similar offers in the past in a similar manner and received the promotion. I do not recall a notice of the change in the rewards program and how it operated. 

I feel the promotions terms and conditions are deceptive due to how AMEX advertises them and how they actually operate.
Product: Debt collection

Each justice or judge of the United States shall take the following oath or affirmation before performing the duties of his office : " I, _, do solemnly swear ( or affirm ) that I will administer justice without respect to persons, and do equal right to the poor and to the rich, and that I will faithfully and impartially discharge and perform all the duties incumbent upon me as _ under the Constitution and laws of the United States. So help me God. '' 1906, Hale v. Henkel has been cited by the Federal and State Appellate Court systems over XXXX times! 
In nearly every instance when a case is cited, it has an impact on precedent authority of the cited case. 
Compared with other previously decided Supreme Court cases, no other case has surpassed Hale v.

Henkel in the number of times it has been cited by the courts. " The rights of the individuals are restricted only to the extent that they have been voluntarily surrendered by the citizenship to the agencies of government " Any judge [ or officer of the government ] who does not comply with his oath to the Constitution of the United States wars against that Constitution and engages in acts in violation of the supreme law of the land. The judge is engaged in acts of treason. '' Cooper v. Aaron, 358 U.S. 1, 78 S. Ct. 1401 ( 1958 ) XXXX COUNTY DEPARTMENT
Product: Credit card

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

I canceled my mother 's cable account last XXXX, since she is ill and has moved in with me. Her monthly bill was approximately XXXX and was paid up to date. I received a bill from a collection agency on behalf of XXXX for {$440.00}. I contacted them twice to dispute the bill and never heard from them. I was then sent a notice from Sunrise Credit Services. I again disputed the bill. Sunrise Credit Service sent me a statement from XXXX dated XXXX of 2015. The service was cancelled in XXXX of 2015 and the house was rented out in XXXX of 2015.
Product: Credit reporting or other personal consumer reports

The consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ) And Via The privacy act of 1774, my federally protected consumer rights to privecy and confidentiality as be violated under 15 USC 1681 * 15 U.S.C 1681 section 602 A. States I have the right to privacy. * 15 U.S.C 1681 Section 604 A It also states a consumer reporting agency can not furnish a account without my written instructions. I am now opting out of any, and all authentication i the consumer may have given the Company written, and unwritten, verbal and nonverbal Via ( 15 USC 1602-1605 protection of public personal information ) this concern is not to verify or update any information The Account Ended in # XXXX  is marked on my report as a charge off that is now considered a certificate of indebtedness that is now considered income by the IRS also income can not be reported to ones consumer report. Also Via 15 USC 1681B Permissble purposes indicates that information should be 100 % accurate the account has inaccurate dates, and payments history the law also states it is illegal to report transaction history via USC 1681 A section 2
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have always made my payments on time. For some reason, I realized that there is late payment on my credit report and I do not believe I was late on the dates they are reporting. This account should not be showing the current status of late since it's already been paid for. It seems impossible to appear late on an account that has already been paid. Kindly correct this account : XXXX XXXX XXXX : {$10000.00}.
Product: Debt collection

A company I have never heard of, nor have the contact information for, has listed a collections debt on my credit report. It appears to be Southwest Recovery Services. The collection on the account claims I owe {$1100.00} from XXXX of 2016, yet I opened no new credit that year. I have never received any mail or calls from this company so that I could either pay the debt to avoid collections, or, to be able to dispute the debt if it was indeed unfounded. This is a very scary thing that a company can just put something on my credit report, affecting my score and reputation, with something I know nothing about. I have filed with XXXX to dispute it and have it removed, but I do n't know what else to do.
Product: Mortgage

PHH mortgage took over the portfolio from XXXX XXXX XXXX in XXXX of last year. I will attach my payment history. I have always paid my mortgage in advance and during the month of the transition of the portfolio, XXXX XXXX XXXX took one of my early mortgage payments and applied it to principal. PHH discovered this and told me this last year and said that they had fixed it. This year and in XX/XX/2024, they are saying that my payments were very late. But if you look at their own records attached, you could see that I made two payments in the month of XXXX in 2024 both were in advance for XXXX and XX/XX/2024, and this goes all the way back to the beginning of their management of this loan. They are now missing two payments, when in reality of the payments were made early and the mistake was fixed from the XXXX XXXX XXXX mistake, but someone changed it at PHH mortgage and now they are charging me late fees. Look at my payments from last fall- they are all in advance- if I had made payments that they received in XXXX after the XXXX and the XXXX, they wouldve both been late, but they were in advance for XXXX and XXXX, hence, I am not behind in my payments. Im in fact ahead or now on time. This whole accounting on this loan needs to be investigated by the bank more deeply and they need to call me back. My payments are on time and never shouldve been any late payments, look at the history. I wouldve been late all through this last year, but in fact, they were early payments From the time that PHH took the loan over in the portfolio they took from XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Unjust Account Restriction and Forced Asset Liquidation by Coinbase I am writing to lodge a formal complaint against Coinbase for their unjust permanent restriction of my account and the subsequent forceful directive to liquidate my cryptocurrency holdings, leading to avoidable taxable events. This action not only contravenes their Terms of Service but also raises significant legal and ethical concerns. 

Account Summary and Grievance : Since XXXX, I have been a compliant and verified user of Coinbase, with all financial transactions funded through a bank account that receives my regular paycheck. Despite my transparent transaction history, Coinbase abruptly restricted my ability to send cryptocurrency to external wallets in late XX/XX/XXXX, without providing any substantial justification. I made multiple attends to contact customer support and did not get any answers why I can't withdraw my assets from the Coinbase. The last one was made XX/XX/XXXX. I received en email that my account been permanently restricted for no reason for transferring crypto currency to my personal wallet. 

Forced Liquidation and Tax Implications : The restriction imposed by Coinbase necessitates the sale of my cryptocurrency assets into USD to access my funds, triggering unnecessary taxable events. This forced liquidation seems to directly conflict with the ownership rights and freedoms outlined in Coinbase 's Terms of Service, which explicitly state that cryptocurrency assets belong to the user and can be transferred at will. 

Lack of Transparency and Final Resolution : After multiple inquiries and a prolonged review period, it was disclosed that my account had been permanently restricted by an automated system, leaving me with no alternative but to liquidate my assets. This opaque process and the irreversible decision, devoid of a thorough review or a clear explanation, are highly concerning. 

Appeal for Intervention : Given the circumstances, I am seeking the intervention of the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter further. The actions taken by Coinbase not only infringe upon my rights as a consumer but also pose broader implications for the treatment of users and the enforcement of regulatory compliance within the cryptocurrency exchange industry. 

I appreciate your prompt attention to this matter and look forward to your support in rectifying this unjust situation. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

Bank of America advertises/offers a much lower interest rate ( ~5.24 % APR, 60 monthly payments ) than what is truly extended. It is 100 % false advertising. It is noted that factors such as varying interest rates, loan amounts, credit history are all at play. However, what they offered me ( 8.69 % APR, 60 monthly payments ) is very different.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and my FTC paperwork is not being processed properly by the credit agencies when I am submitting disputes to remove the accounts. I am also not getting copies of the verification process according to the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$1700.00} ; XXXX XXXXXXXX Balance XXXX {$77.00} ; XXXX XXXX XXXX  XXXX Balance : {$16000.00} ; XXXX  XXXX Balance : {$440.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ;
Product: Vehicle loan or lease

I got approved for a loan for XXXX $ and I put down XXXX the loan company still say I owe XXXX $ when I gave them XXXX. Then they say I have to pay XXXX $ XXXX  months which comes out to XXXX $ how is this possible.
Product: Credit card

transactions in the month XX/XX/year> to XXXX should of not been authroized XXXX customer fraud was called to freeze and was not
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXXXXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Product: Debt collection

This debt that is being collected is not mine. I never owed the amount stated. I asked repeatedly for a verification of debt and for a detailed invoice. There was no responses, nor anything presented to prove the debt.
Product: Credit reporting or other personal consumer reports

Experian website will not allow you to change your address or phone number. I moved several months ago and no longer have the same phone number or address and I can not change it or reach a person on the phone to fix it. It seems they expect me to file a dispute in order to get the changes made. Not a friendly user site at all! 
I tried to reach them by phone and it just kept asking me for the same information then recycling it back to the same questions. I call on XX/XX/XXXX at apprx. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2023 I notice an account from XXXX XXXX on my credit report for the amount of {$6200.00} that I did not apply for
Product: Debt collection

I have an XXXX XXXX XXXX XXXX on my report and I have been a XXXX XXXX XXXX the past 7 years. Originally the debt was on my credit profile from XXXX XXXX XXXX themselves. I called to speak with representatives to inform them that I've never had an account with them and this must be a mistake. They then informed me the account was created online and had XXXX lines and that the only way they could remove the account was if I show a police report from when the incident happened. I had no idea my identity was even stolen to report to the police at the time of this account creation. Since then the debt was then sold to Credit Resource Management at XXXX XXXX XXXX XXXX XXXX, XXXX Tx XXXX. I have yet to receive validation for this debt. They call me at all times of the day, multiple times. I would like this debt removed as it is the ONLY collection I have and it's not even mine!
Product: Debt collection

Portfolio Recovery has been reporting an invalid account to my credit file for close to 7 years. They are falsely accusing me of owing them {$1000.00}. I have never had any account with Portfolio Recovery. Also, I have no contract with them. I tried to get them send me any agreement that I may have signed. They failed to provide validation. This is clearly a fraudulent act on the part of Portfolio Recovery. Because of their ruthless and illegal practices my credit score, as well as my life, has been impacted negatively. This needs to be resolved immediately.
Product: Debt collection

Comenity bank was attempting to collect a debt of mine that was from a credit card from XXXX 's. I got a letter in the mail saying Weltman , Weinberg & Reis Co. , LPA will be representing the current creditor ( Comenity ) for this debt. On XXXX XXXX 2016, I called Weltman , Weinberg & Reis Co. , LPA to discuss payment options and I set up an agreement that I would pay {$220.00} per month. Confirmation number : XXXX I called on XXXX XXXX, 2016 to pay my second payment and the woman on the telephone said that my balance is {$920.00}. This could not be possible because my original balance was {$1000.00}. If you take that number and subtract {$220.00} that equals {$800.00}. So, even though I paid them the monthly payment we agreed on, they only subtracted {$100.00} from my balance. I have attached documents to show my bank statement that shows my payment of {$220.00} on XXXX XXXX as well as all of the correspondence from the XXXX companies, most notably the past XXXX statements that indicate the original balance and the incorrect current balance. I had agreed to terms with this company to monthly payments and now they are threatening me because I have not paid that they are going to take additional steps against me. I refuse to pay this company any additional funds because I feel I am at risk of being taken advantage of.
Product: Bank account or service

Closed online account more than a year ago, due to identity theft of financial and personal information. On today requested online setup to learn that several transactions do not appear online nor on bank statements. Placed a call to First Citizens Bank online speaking with XXXX, XXXX, and XXXX to only receive partial but haste and incomplete information regarding account information for Routing XXXX XXXX. Please see attachment of proof that a deposit from the IRS and SC Department of Revenue are in question.