23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

Title 31 USC 3123 Payment of obligations and interest on the public debt. The faith of the United States Government is pledged to pay, in legal tender, principal and interest on the obligations of the Government issued under this chapter.

* lenders have denied their services to me extend my own credit to myself using them as a fiduciary too make the transaction based off my public credit report in violation of 15 U.S. Code 1611 : - Criminal liability for willful and knowing -Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. 
( Pub. L. 90321, title I, 112, XXXX XXXX XXXX  82 Stat. 151 ; Pub. L. 111203, title X, 1100A ( 2 ), XXXX XXXX XXXX, 124 Stat. 2107. ) I would appreciate meeting of the minds and full disclosure, so i can access my account and use the god given creditworthiness as it's intention. Please contact me if you have an issues, i am fully competent to handle any and all business moving forward. 

By : XXXX XXXX XXXX XXXX
Product: Debt collection

This account belongs to my XXXX XXXXXXXX XXXX never knew the existence of this account and they send this to portfolio recovery I try to explain the credit but never listen.
Product: Credit card

I am desparately seeking your assistance with having a creditor ( that was paid in full per a mutually agreed upon settlement payment offer in 2013 ), with continuing to NOT report that the account been satisfied ( in 2013 ), and by constantly reselling it to collections agencies. I do have my proof that this debt was paid and settled via a letter from the law firm that originally handled this matter. The creditor is XXXX XXXX issurer of the ASPIRE credit card. Further information can and will be provide upon your request.
Product: Checking or savings account

WE OPENED 2 CREDIT CARDS WITH BANK OF AMERICA IN ORDER TO RECEIVE BONUS MONEY. NEVER GOT IT ON THE 1 ACCT THAT WE MET THE CRITERIA ON. ALSO OPENED A BUSINESS CHECKING ACCT THAT WAS SUPPOSED TO PAY {$500.00} BONUS FOR MEETING CERTAIN CRITERIA THAT WAS ALSO MET. 
HAVE BEEN CONTACTING THEM CONTINUOUSLY FOR MONTHS, NO RESOLVE. BEEN IN TOUCH WITH XXXX XXXX XXXX, XXXX XXXX XXXX AND XXXX XXXX XXXX, ALL IN THE SMALL BUSINESS DEPT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Retrieval and access to my credit report disclosed multiple inaccuracies regarding an alleged " student loan investigation '' The investigation is only showing onto two credit bureaus ( XXXX  and TransUnion ).

I have not filed any student loan investigations in the past year or so. Further, the record is obviously long-lived its mandatory thirty-days investigation period.

This situation is negatively affecting my credit standing and scores which reflects systemic bias and inefficiencies. These errors seem to intentionally being reported by these entities without any consequences nor ramifications.
Product: Debt collection

I am filing a complaint against CRDT CTRL CO because they are attempting to collect a debt that I do not owe them. That debt has been paid. Account Name : CRDT CTRL CO, Account Number : XXXX
Product: Debt collection

I HAVE CONTACTED YOUR COMPANY ON MORE THAN ONE OCCASION ABOUT THE 8 ACCOUNTS THAT YOU CONTINUE TO HARRASS ME ABOUT. FIRST OFF HOW ARE YOU COLLECTING ON BEHALF OF ANOTHER COLLECTION COMPANY? ISNT THIS AGAINST THE LAW? SECOND I AM IN RECEIPT OF YOUR LETTER DATED XX/XX/2018 FOR ME TO DISPUTE THE VALIDITY OF THESE ACCOUNTS. WELL, THIS IS YOUR 4TH NOTICE AND LAST OR I WILL BE FORCED TO SUE IF YOU RE-INSERT THESE INTO MY CREDIT FILE. THESE ACCOUNTS DO NOT BELONG TO ME I HAVE NEVER DEALT WITH YOU XXXX OR THE COMPANY PENDRICK OR THE OTHER MEDICAL COMPANIES YOU REPRESENT. Furthermore, I HAVE NEVER GIVEN YOU AUTHORIZATION TO REVIEW ANY OF MY MEDICAL HISTORY OR FOR MY MEDICAL HISTORY TO BE GIVEN OUT SO HOW IN THE WORLD COULD YOU VALIDATE ANYTHING ABOUTME? EXACTLY YOU CANT BECAUSE it's NOT MINE!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filled a dispute in regards to the incorrect information on my credit report. It has been well over 30 days and I haven't received any investigation results.
Product: Credit card or prepaid card

To : Consumer Financial Protection Bureau, Attn : CFPB Ombudsmans Office, XXXX XXXX XXXX. XXXX, XXXX, D.C. XXXX From XXXX XXXX XXXX Cell : XXXX Email : XXXX Re : XXXX Case XXXX XXXX I am requesting your assistance in resolving the apparent fraudulent use of a MasterCard ending in XXXX by XXXX and/or XXXX or persons unknown in their systems which allowed them to claim a refunded tickets from XXXX in the amount of {$1000.00} as described below. 

On XX/XX/XXXX I purchased online round trips tickets to XXXX, XXXX through XXXX.. My departure date was to be on XX/XX/XXXX from XXXX XXXX New York ) to XXXX ( XXXX ), XXXX. My return flight was to be on XX/XX/XXXX from XXXX ( XXXX ), XXXX to XXXX ( New York ). XXXX used my primary Visa credit card in their system ending in XXXX. Shortly after that XXXX went into to lock down due to the Covid-19 pandemic. All international flights coming to and from the United States were grounded due to Covid. 
XXXX Itinerary : # XXXX and the XXXX Ticket : # XXXX On XX/XX/XXXX, I rescheduled my itinerary due to the Covid lock down through XXXX. Apparently, XXXX assessed a small rescheduling fee of {$17.00}. Instead of using my primary Visa credit card in their system XXXX and/or XXXX or persons unknown in their system used a MasterCard ending in XXXX. I don't possess this MasterCard nor is it a listed as a secondary card in my XXXX account. 
XXXX Itinerary : # XXXX and XXXX Ticket : # XXXX On XX/XX/XXXX I canceled my travel plans because XXXX was still in Covid-19 lock down until XX/XX/XXXX. I requested a refund from XXXX back my primary Visa credit card in my XXXX account ending in XXXX. XXXX refunded to {$1000.00} on XXXX XXXX, XXXX back to the MasterCard ending in XXXX  because it was the last card of record in their system. As stated above, I do not have a MasterCard  ( XXXX ) nor is it listed as a secondary on my XXXX account. When I questioned XXXX about the refund, I was told to contact XXXX. When I contacted XXXX, I received a summary email of the transactions in their system stating that my refund was directed to MasterCard ending in XXXX because it was the last card of record. When I questioned XXXX again they insisted that the Master carding in XXXX was my credit card. They absolved themselves any further responsibility in returning the refund to my primary card Visa in their system card ending in XXXX. Neither could they explain why this MasterCard ( XXXX ) was used instead of the Visa ( XXXX ) to pay the rescheduling fees. It is my opinion either XXXX, or XXXX, or persons unknown in their system fraudulently used their MasterCard ( XXXX ) to pay the rescheduling fee thus becoming the credit card of record in the XXXX system which allowed them to collect my refund. Your assistance in this matter would be greatly appreciated. 

Attached files : 1 ) XXXX statement explaining the transactions from XX/XX/XXXX ( TKT XXXX and TKT # XXXX ) to XX/XX/XXXX as well as their refund to MasterCard ending in XXXX. 

2 ) A list of my current and closed credit cards from XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX opened fraudulently on XX/XX/2017 balance of {$270.00}
Product: Credit reporting or other personal consumer reports

Equifax continues to report inaccurate information on my credit report. i have complained about this company using unlawful actions against me. the same things I complained about in my prior reports you the CFPB IS NOW SUEING EQIFAX FOR!!! NOW HOW CAN I BE DENIED COMPANSATION, REMEDY OR PAYMENT FOR THE UNLAWFUL FEDERAL VIOLATIONS THAT XXXX TOOK AGAISNT ME, YET YOU THE CFPB ARE NO SUING THEM FOR THOSE SAME VIOLATIONS I COMPLAINED TO YOU ABOUT?
Product: Credit reporting or other personal consumer reports

Please be advised this is my FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite PREVIOUS written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Checking or savings account

XXXX XXXX XXXX XXXX ( Now recently name changed to XXXX ) The bank claims they are for XXXX XXXX Banking and can do what all other banks can do. 

THEY COMPLETELY COMMITTING MARKETING FRAUD. 

Illegal practice that makes false or misleading promotional claims for financial gain via their account representatives who are misleading and on their website and social media marketing materials. They are not a SMALL BUSINESS BANK. 

After opening an account... I found out that you can not deposit CASH or Checks from customers into your account AT ALL. 

I was told to give out my banking account information and routing number to each of my customers as a solution. THAT IS VERY DANGEROUS to tell new small businesses and would open them up to MASSIVE THEFT opportunities. 

They are committing marketing fraud claiming they are a small business all solution bank as they clearly are not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud accounts on my credit report since XX/XX/XXXX. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is signed and attached with an FTC and Identity Theft affidavit, yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the accounts claim to be mine. Not only have I not received any mail showing the verifiable proof needed to justify the items to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money with no end in sight and no results to show. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! THE DISCHARGE PAPER FROM THE COURT IS CLEAR! THEY CAN NOT COLLECT on a DISCHARGED DEBT!! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the accounts immediately! 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; DEPTEDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$87.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX : XX/XX/XXXX Balance : {$630.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that 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 are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$110.00} ; XXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance : {$230.00} ; XXXXXXXX XXXX  ( XXXX : XXXX XXXX XXXX XXXXXXXX Balance : {$230.00} ; XXXX XXXX XXXXXX/XX/2022 ; XXXXXXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second complaint regarding Equifax not removing the Bankruptcy they claimed in their letter they sent me dated XX/XX/2020, Confirmation # XXXX that " the disputed item is not currently reporting on the Equifax credit file. Public Record : Bankruptcy XXXX. " Re
Product: Credit card or prepaid card

I was shocked and appalled when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 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: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of accounts/items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$480.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXXXXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

Complaint for non-delivery of Pre-Receipt or Receipt of Shipment made to XXXX on XX/XX/XXXX. 

Hereby I XXXX XXXX XXXX, with Consular Registration # XXXX, and address at XXXX XXXX XXXX XXXX-COXXXX, I come to present my claim, against the Money Transfer Agency located inside the Store XXXX XXXX XXXXt, site at XXXX XXXX XXXX XXXX Colorado ; for the following reason : CLAIM : No delivery of Pre-receipt or final receipt, for the Transaction made on XX/XX/2018. 
REMESA DETAILS : -Remittent : XXXX XXXX XXXX , - Amount Remitted : {$30.00}, plus {$10.00}, by transaction charge. 
- Beneficiary : XXXX XXXX XXXX. 
- Paying Entity : XXXX. 
- Pin Number : XXXX. 

FUNDAMENTALS OF THE CLAIM. 

1. Motivate my claim the fact that the person, of masculine sex, who received the money and made the remesa, told me, that they had problems with the printer, and that he would return the next day from XXXX XXXX  so that I will deliver my receipt. 
2. It is the case that the day Sunday XX/XX/XXXX to return by my receipt the same person, who attended me the previous day I indicated that I had it and that I returned to return on Monday XX/XX/XXXX. 
3. What worries me is that for the remittance, said person only asked me to take a picture of the receipt of the remittance from his cell phone ; where only the pin number appears, name of my beneficiary, amount to receive and paying entity. But my name does not appear nor that of the company through, from which the remittance was made ; what that person told me was Intercambio Express. 
4. In the photo that was given to me, there is no phone number where I could call in case there is any problem with the collection of the remittance in XXXX. 
It is these facts, totally irregular, that motivate my claim. 
regards XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

A XXXX payment was submitted to incorrect number ( XXXX digit off ). 
We tried to contact the person who belongs to that telephone number, but they would not talk to us. 
The transaction amount was {$900.00} on XX/XX/2022. 
We contacted the Bank of America to dispute twice. Both times they did not reverse the amount.
Product: Credit reporting or other personal consumer reports

Under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists15 U.S. Code 1681 ( s ) -2 states that any payments during covid-19 are required to be deferred or forgiven.15 U.S. code 1681 ( 4 ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit report.15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your credit report.
Product: Credit reporting 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 these Items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting Items as unverified information without providing any proof within the period allowed by law. The following Items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX Balance : {$2700.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$16000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXX  ) XXXX Balance : {$2700.00} XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance : {$16000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible. 
EASTERN ACCOUNTSYSTEM XX/XX/2023 {$55.00}
Product: Credit card

I request to block merchant to charge from my account in XXXX 2015, My credit was closed in XXXX 2015. But merchant still can charge me from my closing account for past two month. Chase told me that I need keeping watching my account for future charge. My account was closed already.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to disput e an issue with XXXX XXXX. I have sent a letter of validation with cease and desist to them back in XXXX and disputing with each of the credit companies. FIRST AND FOREMOST XXXX DID NOT PROVIDE ME THE INFORMATION THEY ARE REQUIRED TO DO SO BY LAW. The only provided me a print off of a statement and no contract or any other details as they are required to do Pursuant to Haddad v. Alexander, Zelmanski, Danner & Fioritto, PLLC, 13-2026, 2014 WL 3440174 ( 6th Cir. July 16, 2014 ), and 15 USC 1692g ( b ), you are required to cease and desist from collecting upon the debt ( including contacting a debtors credit ) until you properly validate and verify the debt amount. Do you have the right person? Please do not look at my credit or report anything to my credit reports as I dispute I owe this debt amount to you and that dispute should be stated on my credit report. 
Instead what they did was look at my credit report, updated with different information that they have not been clear about, did not put a statement on my credit report as requested and never sent me the contract the original contract for the loan. I have been requesting this for XXXX years. The credit reporting companies also did not follow for a credit reporting. This is my last opportunity that I am giving them before I file a lawsuit. I will force them into arbitration as well all of them if necessary. I want the original contract I want the laws followed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE ASK 2 TIMES TO REMOVE THESE ACCOUNTS THAT DO NOT BELONG TO ME THEY HAVE REFUSE MY NEXT STEP IS TO FILE SUITED