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

The existence of these unauthorized accounts and inquiries has caused me significant XXXX regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Product: Credit reporting

I disputed the inquiry 's on my report 4 mos ago I have XXXX inquiry 's without the permission of me. I 'm supposed to have a fraud alert on my report but they just keep letting anyone inquiry about my report. The alert says there supposed to contact me before anyone can see my report or score. I also never received a final decision on my disputes.
Product: Checking or savings account

On XX/XX/2018 a portion of my federal tax return was deposited into my Discover online checking account. I stopped using the account a few months previous due to the bank delaying bill payments for up to a week costing me late fees. On XX/XX/2018 I used one of the bank designated ATMs ( XXXX ) and was denied withdrawal and when I called to see why, I was given an explanation of suspicious activity because I used an ATM outside the city I live in ( same state ) but I have used this ATM on other occasions. Once I verified who I was, I was told everything should be fine but, it wasn't and I was still denied access to my account I tried making a purchase at the grocery store with cash back and was denied still. I called again and the representative told me there was a security freeze on my account and gave me temporary access for 15 minutes and said the freeze would be released in 24 hours. The explanations didn't make any sense at all to me so I tested the card the next day on the XXXX while on my work assignment in my own city of residence again the ATM transaction was denied and I was told that this bank designated ATM inside XXXX grocery store was a high security risk and a code needed to be entered in the system for that particular ATM. I explained that I have to travel back and forth sometimes for my job and I needed access to my account especially when on the highway. However, I did tell the rep that I would be contacting the FDIC about this.There were no pending transactions, no negative balance, and no report of a lost or stolen debit/ATM card before the federal tax return was deposited, I stopped my direct deposit from my job to this account a few months ago because of delayed transactions especially transfers. So I still don't have a valid reason for a security freeze and denied ATM transactions. The first of XXXX is in one day, and I do not want any more of these senseless issues when I have to pay my bills. Since when was an explanation required to access your own money.
Product: Credit card

My husband and I have an account with discover. He has XXXX so we used it for the hotel and lodging fees during his XXXX XXXX. We also used it to pay for the ferries and items from XXXX. We noticed that the balanced skyrocketed despite some items being returned and making large payments and balance transfers. So, I took a look at the statement. This is an instance of how our usual statements. One month we would spend about {$500.00}, we would pay {$800.00} or well over what was owed, and still end up owing a balance of {$900.00}! How is it even possible? We understand there is interest. We have other cards and we are fine with those. But, it seems that we were still charged interest on items that were returned and the interest seems to be excessive. So, I contacted the company and asked if we were charged interests for returned items. She could not help or answer my question, but only offered to give us 0 % interest on future purchases which also does not seem to have applied. There is some clear problem with this card and we would like an audit of our account and a return of the interest we paid for items that were returned and any interest in excess of what we signed up for. It is calculating at an interest of about 40 % although it is stating to be lower. We don't want anything extra beyond what is reasonable. We see there is a clear problem here that we are not experiencing with any other card company. They have promised 0 % interest on future payments, and we are grateful. But, the previous amounts we have already paid or transferred were incorrect and has caused a serious hardship that my husband is not able to take care of along with the hardship due to his XXXX.
Product: Student loan

When applying for my student loan, I was under the mistaken belief that the bank would be loaning me depositors money, which it received from its depositors or investors. I have found by researching relevant case law on the matter and reading Modern Money Mechanics, published by the Federal Reserve XXXX XXXX XXXX, that banks create the money I borrowed by using my promise to pay. It generated computer entries to my account, listing the loan as a credit, in effect, creating money out of thin air. 
In none of my transactions with the bank did any officer or employee notify me that the bank created money by a journal entry ( out of thin air ). This is bank fraud. The banks transactions relating to me lacked two necessary elements of a valid contract. 
Perhaps you should be aware of the following : United States Code, Title 32, Section 24, Paragraph 7 confers upon a bank the power to lend its money, not its credit. In XXXX XXXX XXXX XXXX XXXX v XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX ( XXXX ), the court stated : ( T ) he provisions referred to do not give power to a national bank to guarantee the payment of the obligations of others solely for their benefit, nor is such power incidental of the business of banking. A bank can lend its money but not its credit. 
Again in : XXXX XXXX XXXX XXXX v XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ( XXXX ) It has been settled beyond controversy that a national bank, under federal law, being limited in its power and capacity, can not lend its credit by guaranteeing the debt of another. All such contracts being entered into by its officers are ultra vires and not binding upon corporation. See also XXXX XXXX XXXX XXXX v XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). 
The bank did not notify me that it created money by journal entry ( out of thin air ), defined as bank credit. To do so would have disclosed that there was no consideration from the bank to me. 
A lawful consideration must exist and be tendered, to support the note. See XXXX XXXX XXXX XXXX v XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. 


I hereby revoke, rescind, and repudiate my signature on the original application. The original application was fraudulent on its face, as full disclosure was not provided. The application did not inform me the bank was loaning me bank credit created out of thin air. 
Had the bank so disclosed this fact to me, that I was in fact borrowing bank credit, I would have known that the element of consideration was missing from the contract and would have not entered into that agreement.
Product: Debt collection

OK ... Capital One Bank is selling my personal, private and federal information to multiple companies to make them try to collect a amount I do not own them.

HOW IS THIS POSSIBLE??? 

First they sold all my information to XXXX XXXX XXXX and now to XXXX XXXX XXXX and for the same amount of {$1200.00} .... 

BY THIS I WILL FILE A FORMAL LAWSUIT AGAINST CAPITAL ONE BANK
Product: Credit reporting, credit repair services, or other personal consumer reports

I have challenged the 100 % accurate reporting of account for XXXX XXXX  that is inaccurately reporting as a " charge off '' on my credit report ... ... how can an account be a charge off and still be open per the reporting? ( violation ) ... ... .i have challenged/disputed this account 5 times to the credit bureaus and none of the 3 bureaus have even marked this account as being in dispute ( violation ), 2 bureaus are reporting it as paid and one as derogatory ( violation ), 2 bureaus are reporting 0 month terms and one bureau is reporting a 1 month term ( violation ), they are pencil whipping these investigations
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been going back with equifax for several months about my credit. I initially disputed accounts with XXXX XXXX acct # XXXX both accounts where originally deleted but whe. I asked for copy of current report it showed an account from XXXX XXXX with a balance of {$520.00} the account was reinserted I sent letter and Ive attached certified receipt the # XXXX I NEVER RECEIVED A RESPONSE PLEASE HAVE COMPANY REMOVE ACCOUNT
Product: Credit card or prepaid card

Bank of America approved a fraudulent card request and will not give me the application information I requested so that I can inform my local law enforcement, who will not allow me to make a police report without it. 
The company demands I send a copy of my social security card by mail or fax. They will not allow me to confirm my identity in person at one of it's hundreds of branches. This is not a secure method for conveying my personal data ( and is discouraged by the US government ), but this bank gives me no other option. 
In essence, this policy means I must open myself up to further fraud by making a physical copy of my social security number and then just sending it away to to be lost or intercepted in order to combat the original fraud. I believe this makes them liable co-conspirators in the fraud as they are actively concealing a criminal from my local police department. 
This policy is possibly illegal but most certainly onerous and likely intended to reduce the company 's requests overall, but has the unintended, but very real consequence of stopping consumers, especially ones with limited access to identification like immigrants, the disabled, and people with religious beliefs about having social security numbers from being able to pursue redress for the fraud. In this way, Bank of America discriminates against protected minorities and co-conspires with fraudsters, probably because they know consumers will be forced to pay off these debts in many cases, if they are not caught early and that they will make a lot of money during this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having tons of problems with the spelling of my name on my credit file. My Birth name is XXXX XXXX XXXX My SS XXXX My DOB XXXX. Please delete any other names, DOB or SS variations of my personal information they are not mine. I am in need of a new report with the following addresses deleted that do not belong to me. Please delete the following : XXXX XXXX XXXX, XXXX, OH XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX LA XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX OH XXXX
Product: Credit card or prepaid card

I made an electronic payment to my credit card account of XXXX dollars on XX/XX/2022 using the same information that I have been using for literally years. The payment was never posted to my account. 
When I inquired Comenity bank I was told the payment was made to an old/outdated account number. Apparently, my c/c account was taken over a few years prior and I was issued a new account number that I was not aware of. 
I was making payments to an account number that was originally issued to me and when the bank took over my account and my account number changed their system was still " able to find me '' using my original account number. It was only after their systems updated when I made the payment as usual and the system " did not find me ''. So the payment is " lost ''. They did a system overhaul beginning XX/XX/2022 that is what caused all these problems. 
On XXXX 2022 I called in and gave the customer service rep all the information they needed to find the electronic payment. I was told it can take up to 60 days to resolve and it was a simple issue of " finding '' the payment. I was told it happens all the time and I will be contacted when this issue gets resolved. I was never contacted by the " dispute department '' or there is no way to contact them directly. 
On XX/XX/XXXX, I made yet another follow up call to get the status of my claim. I was then told I needed to submit the missing/lost payment information in a document from the bank. I did that and then they started the claim all over again. Like new claim. 
To make a long story short, it is now 5 months later with no end in sight. 
I was also told, in writing, that I did not need to make any payments for the amount in dispute or I would not be charged interest. Both of those statements are false. I have been charged interest and received emails demanding payment for the balance in question. 
I was told in confidence from a customer service rep that their are so many disputes because of their system overhaul in XXXX, that they are overwhelmed and under staffed and can not keep up with all the complaints. 
It is now over 5 months since I opened the original " dispute ''. I have been countless phone calls and numerous email messages to these people. At least XXXX phone calls and at least XXXX emails. I have yet to be contacted by the dispute department other than a standard cover letter explaining the procedure. There is no claim or reference number to this dispute. I was told they use my phone number/ c/c number for their reference. 
I am so frustrated with the lack of progress or communication from these people. I feel like a victim of some type of scheme. I would have never expected this king of issue from a large financial institution. 
Can someone please help me? Thank you, XXXX XXXX XXXX
Product: Student loan

Fraud on my student loan by XXXX.Multiple violations of Higher Education Act.. Denied unemployment deferment in XXXX 1999, for job searches that were not required as of XXXX XXXX, 1999. Loan was forced into repurchase by XXXX XXXX XXXX but Navient continues to try to collect more money though loan was paid by offset year ago.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payments on the dates below : 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, SC XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit report after receiving an inquiry notice and I know I have not applied for any credit. I reached out to the company ; no response. 

Attached you'll find he printed letters I sent to them, the company and the bureaus. I've yet to hear anything from Equifax, XXXX or XXXX on the matter. 

These inquires are effecting my credit and this misinformation is inaccurate. Also, be advised I have no accounts attached to either of these inquires, so I know i didn't make them. 

XXXX XXXX XX/XX/XXXX, XXXX XXXX, CA XXXX Attention : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, Pennsylvania, XXXX Dear XXXX XXXX, This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX XXXX Made on : XX/XX/XXXX and XX/XX/XXXX Made with : XXXX, XXXX and Equifax To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 
If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 
Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to report an issue regarding an account listed on my credit report under the name XXXX XXXX. Upon investigation by the CFPB, the company has responded and confirmed that they have no recollection of the account in question and can not verify its legitimacy. Despite this, the account continues to appear on my credit report under XXXX XXXX. 

Given that the company has stated they can not verify the account and have no record of it, I am requesting that this account be removed immediately from my credit report. This account is incorrect, unverified, and damaging to my credit history and score. 

I request that Equifax, XXXX, and any other involved credit reporting agencies take prompt action to remove this entry from my credit report in compliance with the Fair Credit Reporting Act and relevant consumer protection laws. 

XXXX XXXX account shows as XXXX I appreciate your immediate attention to this matter and look forward to its swift resolution.
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681- Congressional findings and statement of purpose 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. ( e ) Limitation of liability Except as provided in sections 1681n and 1681o of this title, no consumer may bring any action or proceeding in the nature of defamation, invasion of privacy, or negligence with respect to the reporting of information against any consumer reporting agency, any user of information, or any person who furnishes information to a consumer reporting agency, based on information disclosed pursuant to section 1681g, 1681h, or 1681m of this title, or based on information disclosed by a user of a consumer report to or for a consumer against whom the user has taken adverse action, based in whole or in part on the report [ 2 ] except as to false information furnished with malice or willful intent to injure such consumer on such date acccounts have been open since 2015 I will attach identity theft report but the credit bureau have yet to correct addresses and account the where open illegally
Product: Mortgage

Loan officer at quicken loans did not explain fees up front and lied when I directly asked the question about fees. She eventually apologized saying she misunderstood. Once I submitted my application and submitted my {$500.00} appraisal deposit she refused to order the appraisal saying I need to submit all my documentation to order the appraisal. I know this is not the case and want them to start processing my loan or the sellers agent said they will terminate the agreement. I also need to get a credit decision for their special loan program and told the loan officer if I do n't qualify for that program I would not use them. I think she is stalling to get closer to settlement date so I do n't have the option to start elsewhere. The loan officer said I was approved for the special program even though she is not an underwriter and did not have an underwriter look at the file.