23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I sent Ally Auto Loan Department a Promissory Note, in accordance with the Uniform Commercial Code, as a Security Negotiable Instrument, Legal Tender by Law, to pay off the remaining amount that was left on our truck loan, to receive our truck title. The Legal Tender was sent XXXX express mail, and received by Ally on XX/XX/2017, and signed for by XXXX. Ally Bank has not bothered to respond to the Promissory Note that I have sent them, which is asset for a Bank, I had to call them, and they refused to apply it to pay off our debt. I specifically stated in a legal notice, that I sent them along with the Promissory Note ; that if they refuse my Promissory Note, to send it back with a written explanation as to why Ally is exempt from Legislation. Ally did not respond, nor apply my Legal Tender to pay off our debt, and they kept my Legal Tender, which is asset for them, that can easily be monetized by them. The UCC states, that if Legal Tender is refused, then there is discharge of the debt, and the Federal US court appeals ruled on Title 31 USC 5118 ; that the requirement to repay a debt in the form of coin or currency or legal tender is against Public Policy, since money, as in the Federal Reserve Notes that we use as money ; means a promise to pay, or owe according to the Banking dictionary XXXX addition ; and that a repayment for a debt only needs to be made in equivalent kind ; a Negotiable Instrument, which is a Promissory Note. As a Private Banker, in accordance with the XXXX Law Dictionary, I have a right to use a Promissory Note with the Banks to pay off a debt! I recently sent them another Promissory Note, that they received on XX/XX/2017, to see what type of response I would receive, but the fact remains, they should have responded to my first Note!
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, SC XXXX XXXX : Account Number : XXXX, XXXX To the violators : All credit Reporting Companies and XXXX XXXX XXXX , Ceo of XXXX XXXX XXXX , I am writing to formally notify you of an estoppel regarding the above-partial referenced accounts. Based on the following grounds, I assert that your business XXXX XXXX XXXX is estopped from pursuing any further collection actions against me : 1. Remove your report on my accounting history immediately you are to proof of credit Application applied/Approved to you Directly from the beneficiary.

2. The beneficiary relies on the consumer credit report to monitor my consumer credit transactions, not third party investors on my Private Banking statements. This is a direct violation to my FCRA Rights to Publish ANY PRIVATE Banking Statements to Public Accounts. Per Sec file number XXXX XXXX XXXX XXXX XXXX XXXX the proposed Creditor over the Account is in fact a Broker-Dealer registered under the SEC. The Companys Primary Clearing Broker XXXX XXXX XXXX XXXX ( XXXX ) has a Piggyback Relationship for Clearing and Custody with The Creditor in Question. XXXX Bundles and Trades the Notes from other Entities and Routes them for Custody and Clearing. The Company Doesnt hold any Beneficiarys Funds or Securities and promptly Transmitted the Beneficiary 's Funds or Securities to the clearing Broker-Dealer for Resale and Underwriting.

Given these circumstances, it would be unjust and inequitable for XXXX XXXX XXXX to continue to assert this debt If a XXXX XXXX is not under an obligation to do something, equity assumes they intend to fulfill it. I have never signed an agreement with. If a wrong has occurred, there should be a remedy available to address it. The individual is also a consumer with respect to the other financial institutions involved. An individual who has a loan in which you have ownership or servicing rights is your consumer, even if you, or another institution with those rights, hire an agent to collect on the loan. An individual who applies to you for credit for personal, family, or household purposes is a consumer of a financial service, regardless of whether the credit is extended. I have no record of application for credit From XXXX XXXX XXXX. The Beneficiary does not, however, have a continuing relationship with you if : XXXX XXXX sold the beneficiary 's loan account and do not retain the rights to service that loan ; Nor does the Collection Agent ( XXXX XXXX XXXX ) have a right to collect.

The sale constitutes paid in full and the account is in FACT CLOSED. This Private Data Should not have been leaked in anyway. Nonpublic personal information means : Personally identifiable financial information, that is derived using any personally identifiable financial information that is not publicly available. Payments and partial Account numbers traced back to a CLOSED ACCOUNT. initial notice to a consumer is not required When : You do not disclose any nonpublic personal information about the consumer to any nonaffiliated third party, other than as authorized
Product: Debt collection

Midland Funding LLC accepted a CLOSED account from XXXX back in XXXX. Midland Funding is marked on my credit account as an open credit account. Midland Funding is noting as an open account placing on my credit report monthly. I have asked for verification monthly since XX/XX/XXXX. It still registered as a dispute on my credit report. 

Midland Funding never respond to numerous request to verify the debt and actual breakdown what is due. XXXX was the creditor with a 300 initial limit. I was unaware of a XXXX Card opening XXXX. I 'm unaware of the actual charges from XXXX. Midland Funding never responded to proving the charges on the XXXX Card. 

Midland Funding still posts as a monthly open account on a closed account. Refuses to comply with the Federal Credit Reporting Act. 

This damaging my goals of advancement. Both XXXX and Midland Funding is documenting in my history XXXX in XXXX. Midland Funding also in XXXX
Product: Credit card

Kohl 's Departme nt Stores co ntinually calls both my cell phone and my home phone to collect a debt that is not even mine. The debt belongs to my granddaughter and I have no idea where she is or how to contact her. I have asked them to stop calling me on  3 diff erent occasions. On the last call I spoke to a supervisor who said it would be taken care of. Yesterday I received yet another call from Kohl 's on my cell phone. If I do n't pick up, they hang up and call right back. Please make this stop!
Product: Checking or savings account

the XXXX XXXX XXXX services has did an unlawful transfer with a third-party company called XXXX they loaded funds that had no consent, and they had no authority to do such transaction by their policy that clearly states no reloads. Hey then allowed fraud to happen and allowed thieves to take my funds while knowing that these transactions was fraud and without consent.in the amount over XXXX USA Dollars. Hey investigators are unregistered and untrained. Hey, denied all my claims requesting refund of all my money. Congressman XXXX XXXX has also reported that this company stole funds from XXXX. And they still ignored this. Title 1028 shows they are in fraud title 15 1681a shows they violated due process and the permissible purpose. And agreements with in the polices. Hey, shall repay all funds or sue shall be out come they must show how they was able to deal with a third-party XXXX and load funds while they policy state they can not reply back to XXXX in . 72 hours has been given because this company has violated the government and XXXX by fraud actions that they knew was abuse of laws and rights. XXXX is in violation of sending funds to this company without consent and power by policy. Both companies shall pay for every violation they have done they shall send a cash year check in the amount of XXXX Usa dollars in 10 ten days or claim for injuries will go up much higher than requested under the emergency act XXXX request the foreign agent register act of 1938 and anti-bribery act statements for public records or close the business done as computation practices, fraud. XXXX rights affidavit of fact vs theses violators
Product: Mortgage

the company loan care took out a double payment and will not refund it. they told me 3-5 day and then i called back and they said they could not refund it. they have cause my bank account to be over drawn and a ripple effect. my payment is XXXX they took out XXXX of them. the second issue they are trying to raise my house payment by charging me a closing cost and mortage insurance that i already have ..theres is more money, might i add. my house is worth {$68000.00} and i have it insured for {$210000.00} which is way more than enough. XXXX which is my insurance company tryed to call them twice and Loancare told them to mind there own business.who treats people like that? we live pay check to pay check and im XXXX and we have XXXX small children.it has caused us panic and unnessary stress.please help us
Product: Credit card

I purchased furniture for my new home in XXXX of XXXX and XXXX of XXXX. I purchased the items with Paypal credit, on a promotion for no interest and no payment for six months ( previously called Bill Me Later ). I received electronic statements each month, all except the month in which the promotions expired. They failed to send me the statement in XXXX that shows that the six month promotional period was ending in the next 30 days and payment would be required to avoid interest. I received the statement on XXXX XXXX, showing that I now owe at least {$300.00} in interest due to the promotions expiring and no payment being made. I contacted them and requested confirmation that they sent my XXXX statement, as I am pretty certain they intentionally failed to send that. They would not provide me any proof that they sent that statement. The rep stated that per the system, they sent it out but she had no way to prove this to me. I am disputing the interest as I would have paid the bill in full immediately had I received a statement for XXXX to avoid any interest. I received an electronic statement every other month since making the purchases. If they never sent the statement I do not believe that I should be help accountable for the interest.
Product: Debt collection

XXXX the XXXX specialist from Recovery Solutions Group has called my office many times and been asked to stop calling he proceeded to call on XXXX and spoke to a office employee and told her I owed him more then XXXX dollars and he was going to seize all my assets and everyone would be out of work. He also threatened to send people to our office to take care of business if I didnt respond. My employees feel unsafe at work and afraid they are losing their jobs.on another occasion I was called and threaten also with men coming to my office to handle business and before I could even respond he hung up on me. We have been having to walk each other to the car at dark in fear that some men are coming to harm us. Today XXXX a man did come he handed me a envelope and proceeded to try and take photos of my staff and my office saying they were coming with a XXXX to load up my office and seize my business and charge me XXXX what its worth because it was being sold at auction. I have let them know I currently have a lawyer representing me and I gave them the info to contact them. I was told that it dont matter they are not a legit company and are ripping me off. The man also waited outside our office taking photos of employees with out their permission and making them very unsafe feeling. I need this to stop my self and my employees feel un safe and scared to come to work.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy XXXXr XXXX in XXXX XXXX, however the credit bureaus are listing debts as charge offs when it is included in bankruptcy. Ive disputed this ( 3 ) xs to no avail. Ive duplicated injuries from places that I didnt give permission nor signed.
Product: Credit reporting or other personal consumer reports

Landmark Financial - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Are Reporting Late Payments with the credit bureaus and 15 U.S. Code 1666b is a law that governs the timing of payments for open-end consumer credit plans. It requires creditors to send statements to consumers and to ensure that payments are not late.

Requirements Statements Creditors must send a statement to consumers at the end of each billing cycle. The statement must include the outstanding balance and the amount and date of any extensions. 
Delivery Creditors must mail or deliver the statement at least 21 days before the payment due date. 
Late payments Creditors can not treat a payment as late unless they have taken reasonable steps to ensure the statement was delivered on time. 
Excusable causes If a creditor is unable to deliver the statement on time due to an excusable cause, such as a natural disaster or war, then the late payment rule does not apply.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The XXXX credit bureaus must remove any account that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX XXXX  : {$0.00} ; XXXX XXXX XXXX XXXX  : {$2200.00} ; XXXX XXXX XXXX  : {$2400.00} ; XXXX  XXXX XXXX  : {$11000.00} ; XXXX XXXX XXXX XXXX  : {$10000.00} ; XXXX XXXXXXXX XXXX  : {$0.00} ; XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX BRACES ) XXXX XXXX  : {$66.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  : {$290.00}
Product: Payday loan, title loan, or personal loan

I purchase an oven from this company. After the purchase I found out this company doesn't not exist. I had to finance the purchase with this company called Affirm. Affirm says they paid this company but they are not providing me any proof of that. it is impossible since they don't exist and I never received the product. how does affirm pay a company that does not exist. this was a total scam by both companies. I have sent them all the information. I have asked them to close my account. so far they are refusing. 
Close Out Deals ORDER # XXXX Thank you for your purchase! 
We're getting your order ready to be shipped. We will notify you when it has been sent.
Product: Credit card or prepaid card

I was sent XXXX  denial letters from American Express for a credit card I didnt apply for. One was addressed to my business saying that we can not approve your request at this time for the American Express Cash Magnet card. The other is address to me, my first and last name. It says We closed your Card application as you requested. I received both letters today ( XXXX XX/XX/2022 ). The letter dates are XXXX XX/XX/2022. I called AE. They said they reported to their fraud department but they also recommended I report it to the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed my account with XXXX XXXX  XXXX XXXX on XX/XX/XXXX with the account being current and entered into a debt managment program. This credit card was included and accepted into the program. I have made all my payments to the debt management company and they have made all payments to my 6 debtors on time each month. I received an alert by XXXX XXXX that I had a delinquency reported on my credit reports. I immediately investigated and found it was with XXXX XXXX XXXXXXXX XXXX and immediately called them to rectify the situation. They were NOT helpful. Told me they received the payment on XX/XX/XXXX vs the due date of XX/XX/XXXX. I said that is only 1 day late ; why did you report me as 30 days late and was told " Late is late. '' They were unwilling to assist me. I tried to dispute through XXXX  ; but did not have paperwork from my debt management plan and assumed XXXX XXXX  XXXX XXXX would do what was right. XXXX  sided with XXXX XXXX XXXXXXXX XXXX, I am assuming because I did not provide documentation. This was my first time ever having to dispute something on my credit so I was ill-prepared. The late payment is affecting my ability to secure a Home Equity Loan, so I contacted my debt managment company ( XXXX ) XXXX XXXX XXXX and explained the situation. They provided me documentation specific to my account with XXXX XXXX   XXXX XXXX that showed the dates the payments were electronically paid. Armed with this information, I reached out to XXXX XXXX XXXXXXXX XXXX again. I was met with the most aggressive individual who told me they had not received 3 months of payments ( XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX ). That I was " lucky '' they only gave me 1 hit for being late 30 days. I asked if I could send the documentation from XXXX and was told " You could have just doctored that ... we won't make a change to your credit report. '' and then she hung up on me. I called XXXX and spoke with XXXX XXXX who said let 's call them together. She spoke first, while I remained quiet just listening on the line. She said she wanted to confirm that payments for a XXXX client were received and credited to the account. XXXX ( account representative at XXXX XXXX XXXXXXXX ) confirmed that from XX/XX/XXXX to XX/XX/XXXX there were no missed payments. When she brought me on so I could ask about the 30 day delinquency reported to the credit bureaus he put us on hold and we waited for 30 minutes but he never returned. I called back alone and asked for XXXX, but they could not connect me with him. This 1 delinquency on my credit report by XXXX XXXX XXXXXXXX XXXX has affected my credit score by ~100 points and is prohibiting my ability to obtain a Home Equity Loan because it is such a recent delinquency.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, XXXX Account XXXX for XXXX XXXX has violated my rights.

15 U.S.C. 1681 section 602 A states I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 also states that a consumer reporting agency can only furnish an account with my written instructions.

I have enclosed copies of the letters I sent to the credit agencies, the credit agencies ' responses, a full copy of my credit report, and the discrepancies that the different credit agencies show on the Account.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that my personal information was exposed in a national data breach, and after reviewing my credit report, I noticed several unfamiliar accounts that I do not recognize. I have contacted the credit reporting agencies ( CRA ) to request validation of these debts ; however, I have not received the necessary information due to the exposure of my personal data during the breach. As a result, I have filed a complaint with the Federal Trade Commission ( FTC ) to report the unauthorized accounts and potential identity theft. I have included several supporting documents with this communication, including the FTC complaint, a copy of my ID, my Social Security card, a National Data Protection ( NPD ) report showing my information was exposed, and the debt validation letter. I am taking steps to resolve this issue and protect my identity, and I would appreciate your assistance in verifying these accounts and ensuring that any fraudulent activity is removed from my credit report.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX