23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was in an auto collision where my car was totaled. The individual who caused the accident was sued. The financier throughout the entire ordeal played games. Didn't want the car, let it stay at the lot etc. The Financier got money from the settlement between the attorney and individual sued, the financier has tried attaching this to my credit to ruin it, which has already been handled, to which I have partially recovered from. I have already filed a complaint against this company with the FTC for phone harassment, I wish for this company to stop contacting me. After I filed an FTC report for them to stop contacting me they took retaliatory action against me " I feel '' as a consumer, and I also feel this is continued harassment and retaliatory action as consumer and I wish for it to stop. I want all business between me and the individuals running it to cease immediately including MAILED statements. 

I will happily file another FTC complaint, and the submit paperwork I have regarding the legal suit, and the bill with zero information. They have been paid.
Product: Debt collection

Propel Financial Services is attempting to run me for what they describe as daily accrued interest that has never been shown or described in any manner on their mobile they statements. I have attached their last and final statement they send me by email monthly. It shows a final payment due on XX/XX/2020 of {$220.00}. My account has been on autocracy for many years and they had full authority to draft this amount from my account. On XX/XX/2020 they only drafted the standard payment, which they calculated at the beginning of the loan, of {$130.00}. I received no further documentation or statement and on XX/XX/2020 they drafted the difference of the XX/XX/2020 balance less the standard payment drafted on XX/XX/2020 plus an additional XXXX cents of {$93.00}. On XX/XX/2020 they began sending dunning emails for {$100.00} late payment, for which they had full authority to draft to preclude any late fee. Since XX/XX/2020 they have not sent a statement showing payments made of any remaining balance. I called them with my complaint, I pretty much got conflicting answers on what the {$100.00} was ( accrued daily interest of maybe a release of line fee ). They concluded by saying they will send a copy of my contract regarding accrued daily interest and all my statements. Unless they send a statement dated after XX/XX/2020 which they did not send to me, they have not provided any historical evidence of an accrued daily interest balance not any detail official statement of the release of line fee. These actions seem to me to be deceptive practices. I am requesting all collection emails by Propel and any additional fees and interest be stopped until they provide an official statement to me and an explanation
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX NA Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX NA Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX, XXXX XXXX A Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX
Product: Checking or savings account

I have multiple accounts with Regions Bank, and have to transfer money regularly to maintain a positive balance. However every time I manually transfer money to avoid overdraft fees, they make the transfer appear as if they did it as a courtesy, and charge a {$15.00} fee. I am constantly on the phone with a representative about these fees, and they are often refunded. 

Most recently I made a manual transfer in order to manor an ATM withdrawal in the amount of {$100.00} on XX/XX/XXXX. After the banking activity cleared, the transfer was changed to an overdraft protection transfer, and a {$15.00} fee was attached. 

I made another manual transfer on XX/XX/XXXX for a {$54.00} purchase that cleared on XX/XX/XXXX. On XX/XX/XXXX the transfer again was changed to an overdraft protection transfer, and a {$15.00} fee was assessed. 

On XX/XX/XXXX I was charged another {$15.00} overdraft protection transfer fee. I was also charged a {$36.00} NSF fee. 

The transfer activity that took place on XX/XX/XXXX would not have been necessary, if the bank did not improperly charge me on XX/XX/XXXX and XX/XX/XXXX. 

The addition of the charge on XX/XX/XXXX caused me account to go into a negative balance, and a {$36.00} fee was assessed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover closed my account in XXXX they still did not answer who aged my accounts with all the payments til XXXX I demand an investigation as to who made the payments to continue to re- age my accounts who???? made the payments is my dispute. Because why would I make all these payments on a closed account. I demand a legitimate investigation because if I made XXXX  payments what source did they come from. Going to the FTC because this is fraud towards a consumer. Answer my dispute my dispute is who was making all the fraudulent payments on a CLOSED ACCOUNT it is my right to find out this information from DISCOVER THIS IS FRAUD, it is my Right to find out, who when and where these XXXX PAYMENTS CAME FROM aging my account if they came from your report should show what BANK, CREDIT CARD and or Institution they came from. 

DISCOVER IS RE-AGING ACCOUNTS SO THAT THEY WONT FALL OFF PLEASE SOMEONE LOOK INTO THIS. XXXX PAYMENTS ON MY PROFILE NOT WARRANTED BY ME.
Product: Checking or savings account

On XX/XX/2019, PNC Bank was provided with illegal garnishment papers from a XXXX XXXX XXXX on behalf of XXXX XXXX XXXX, who through illegal channels and without proper written notification to me filed documentation with Superior Court of New Jersey, XXXX County, Special Civil Part. PNC Bank is insisting on holding the funds in my account until I resolve the issue of this illegal garnishment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America has their Trade line name listed on my credit reports as if they have lent something of value to me. Based off of how the Federal Reserve says banks create loans, GAAP and the true substance of the funds, Bank of America has not lent anything to me on the alleged information that they claim to be the " creditor '' on my credit reports. I have tried to have the false and misleading information removed from my reports, but unfortunately they keep saying that it " meets FCRA requirements ''. This note alone is false and misleading. If they are not the actual creditor on the alleged account and can not prove the substance of what the amount they have allegedly lent, then there is no way they are meeting FCRA requirements. The below cases below shows proof that banks do not have the power to be the creditor. 


Case Law A national bank has no power to lend its credit to any person or corporation... Bowen v. Needles Nat. Bank, 94 F 925 36 CCA 553, certiorari denied in 20 S.Ct 1024, 176 US 682, 44 LED 637. 

The doctrine of ultra vires is a most powerful weapon to keep private corporations within their legitimate spheres and to punish them for violations of their corporate charters, and it probably is not invoked too often. Zinc Carbonate Co. v. First National Bank, 103 Wis 125, 79 NW 229. American Express Co. v. Citizens State Bank, 194 NW 430. 

" It has been settled beyond controversy that a national bank, under federal Law being limited in its powers and capacity, can not lend its credit by guaranteeing the debts of another. All such contracts entered into by its officers are ultra vires... '' Howard & Foster Co. v. Citizens Nat'l Bank of Union, 133 SC 202, 130 SE 759 ( 1926 ).

" It is not within those statutory powers for a national bank, even  though solvent, to lend its credit to another in any of the various ways in which that might be done. '' Federal Intermediate Credit Bank v. L 'Herrison , 33 F 2d 841, 842 ( 1929 ). 

. " ... the bank is allowed to hold money upon personal security ; but it must be money that it loans, not its credit. '' Seligman v. Charlottesville Nat. Bank, 3 Hughes 647, Fed Case No.12, 642, 1039. 

If any part of the consideration for a promise be illegal, or if there are several considerations for an unseverable promise one of which is illegal, the promise, whether written or oral, is wholly void, as it is impossible to say what part or which one of the considerations induced the promise. Menominee River Co. v. Augustus Spies L & C Co.,147 Wis 559-572 ; 132 NW 1122.
Product: Credit reporting or other personal consumer reports

Subject : Dispute Letter for Unauthorized Hard Inquiries on my Credit Report Dear Sir/Madam, I am writing to dispute certain hard inquiries listed on my credit report, as provided under the Fair Credit Reporting Act ( FCRA ) in U.S. CODE 15 U.S.C. 1681 et seq. Section 604 specifically addresses the permissible purposes for obtaining a consumer credit report, and I believe that the inquiries listed on my credit report were not made with my written authorization. 

Here are the details of the unauthorized hard inquiries on my credit report : Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX XXXX Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX  Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX XXXX Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX Account XXXX : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX  Account Number : XXXX Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX Account Number : XXXX  Account Number Associated I have not applied for credit or authorized any of these companies to access my credit report within the time frame these inquiries were made. As a result, I am formally requesting that you investigate the accuracy and legitimacy of these hard inquiries and, if they were made without proper authorization, remove them from my credit report in accordance with the FCRA. 

Please provide me with a copy of my updated credit report once these unauthorized inquiries have been removed, as required by the FCRA. Additionally, I request that you provide me with a written explanation of the results of your investigation within the statutory time frame. 

I kindly request that you initiate the investigation process as soon as possible and notify me of the results within the 30-day period stipulated by the FCRA and provide me with the proof you obtained as required by U.S. CODE 15 U.S.C. 1681 et seq. Section 604. 

Under the FCRA, you are obligated to ensure the accuracy of the information contained in my credit report. Failing to do so can result in legal consequences, and I trust that you will handle this matter promptly and in accordance with the law. 

Thank you for your prompt attention to this matter, and I look forward to receiving confirmation of the removal of these unauthorized hard inquiries from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per new credit law on XXXX XXXX 2017 ; all public records that are missing or have invalid information would be removed and mine has not yet. Chapter XXXX Bankruptcy is still reporting on XXXX inaccurately.
Product: Debt collection

Midland Credit Management is reporting an alleged debt on my credit reports without providing validation, despite multiple requests. 

On XX/XX/XXXX, I sent a certified letter ( Receipt # XXXX XXXX XXXX XXXX XXXX XXXX ) demanding validation under 15 U.S.C. 1692g ( b ). Midland ignored my request. On XX/XX/XXXX, I sent a follow-up certified letter ( Receipt # XXXX XXXX XXXX XXXX XXXX XXXX ), again demanding proof. To date ( XX/XX/XXXX ), I have received no response. 

This failure to validate the debt violates the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Their continued reporting of an unverifiable debt has caused me financial harm, leading to three credit denials.
Product: Prepaid card

Its been almost 2 years Bank of America sent me {$590.00} which isnt nearly enough more than XXXX including myself are homeless now since the pandemic because of Bank of America Im pretty sure they are not contacting the people asleep in front of stores and at parks the river beds ect that they owe money to I lost everything because of them I will make it my mission if not paid correctly wat I think is owed to me to let every homeless person I come across and everyone to spread the word that bak of America robbed them its not right meaning they had at the most 129 days to pay people there money and not chump change like they did me I wont settle and I will not let anyone else settle people including myself are homeless staving have lost there XXXX  and everything behind them and they wan na pay {$590.00} no thats foul in every way knowing that most of the people they owe have no address they sent my letter to a family member of mine old address luckily the neighbor was able to. Contact my family member to get the letter to me behind the store that I now live due to Bank of America Im sure its been longer than the court ordered date to pay wat they owe I will not settle for {$590.00} and will begin helping people who dont know about or how to claim there funds they are owed
Product: Payday loan, title loan, or personal loan

Plain green! 
First direct mediation has threatened me and even called my mother speaking about debt that I owe. They threatened that I did fraud. NEVER in my life did I commit. They threatened me that they have all my information and he couldve done something. He was very rude! When I asked for proof they told me they couldnt it wouldve take to long. Called me three times in less than a hour time frame. Even was told he was an attorney and rushing me to provide my payment information!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Comenity bank I XXXX XXXX the Living in person have tried to once & for all dispute this account on XX/XX/XXXX however after multiple attempts I have not been successful after reaching out by phone & demanding to speak with a supervisor I was told Comentity bank agent XXXX told me they could not discuss my account with me & that she couldnt answer any of my questions pertaining to Comenity bank still illegally furnishing on my consumer report while my account is still currently under investigation as well without my consent the original XXXX XXXX living person! You still have & continue to use these practices violating my Federally Protected consumer rights 15 usc 1692 ( 6 ) ( a ) ( 2 ) ( 3 ) ( B ) pursuant to 15 usc 1692 ( d ) ( I ) following 15 usc 1692 ( e ) 15 usc 1692 ( j ) Pursuant 15 usc 1611 Willing-fully and knowing Comenity bank reported a stays update on XX/XX/XXXX, Two late fees on XX/XX/XXXX consistently Voilatiang my rights accordingly to the TILA Pursuant to 15 usc 1692 ( k ) ( a ) I Demand you refund on all any & all payments made on the account social ending in ( XXXX ) since the account has been opened on XX/XX/XXXX I wish to rescind on all contract pertaining to my childrens place credit card account because of Comenity Bank illegal practices I have suffered from the information was shared with third party agencies 15 usc ( 13 ) Discrimination in the process of buying a home, leasing or financing a vehicle for me & my children Comenity Bank has cause me pain, suffering, frustration, time money ect..
Product: Credit reporting or other personal consumer reports

I am submitting this dispute to address inaccuracies on my credit report. I am not working with any credit repair company ; my goal is simply to correct incorrect information. Below are the accounts I want investigated for violations under the Fair Credit Reporting Act ( FCRA ) : XXXXXXXX XXXX ( Account Number : XXXX  ) This account has been inactive for approximately seven years but is still on my report. As per the FCRA, outdated accounts like this should be removed. Please ensure its immediate removal. 

XXXX XXXX ( Account Number : XXXX ) This account is still inaccurately listed on my report despite being inactive and no longer relevant to me. Its continued presence violates the FCRAs requirement for accuracy. I request its removal immediately. 

XXXXXXXX XXXX ( Account Number : XXXX ) This account is inaccurately labeled as a loan, but the arrangement aligns with a credit sale, not a lending agreement. Reporting misleading information is a violation of the FCRA. Please update or remove this item within the FCRAs required timeframe. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.
Product: Credit card

In XXXX of XXXX, I paid off my credit card with CitiBankXXXX XXXX XXXX As soon as I paid off my credit card with CitibankXXXX XXXX XXXX the company closed my account. I gave them over XXXX USD and they closed my account XXXX weeks after getting current and not making anymore interest off of me. This company is stealing money, and access my credit report without permission. As terrible as the economy is and hard as Americans work to keep this country and self afloat, mega companies should not steal money as CitiBank did me. 

I received an email from the investigation team, and I followed up twice- no response. Here I am again making a XXXX complaint on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my files coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of the remaining items in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXXXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX  XXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/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

I have on my credit file report the following account on debt collection- XXXX XXXX   XXXX Collection Agency- Original creditor- XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Agency Original Creditor- XXXX   XXXX I have never requested service with those company. This is a fraud.
Product: Mortgage

I would like to lodge a complaint against a VA Mortgage lender. I have been dealing with one such lender since I applied in XX/XX/XXXX to refinance my current VA mortgage. I have had a VA funded mortgage for years originally with the XXXX XXXX XXXX, then with XXXX XXXX and currently with XXXX XXXX XXXX XXXX. My application to Freedom Mortgage Loan # XXXX was to re-finance at todays much lower rates. This should have been a pro forma refinance mortgage application as nothing has changed since our last mortgage. I was told to expect to close on my new mortgage on XXXX, XXXX. Since then I have been bounced around between them and their title company XXXX XXXX XXXX XXXX. The latter has unearthed an what they claim is an outstanding lien from the year XXXX with XXXX XXXX. That bank no longer exists nor does the lien. I have sent them a copy of the lien release but to no affect. 

Most recently Freedom Mortgage had informed me that it will now take between 30 and 60 days for XXXX XXXX XXXX XXXX to clear the title to my home of 35 years. How long to process the mortgage beyond that they wont specify. My home that has already been passed through three lending institutions since the date of this bogus XXXX lien. Im helpless to anything more than produce a lien release since XXXX not longer exists. 

This has caused my wife and I more than an inconvenience, we have been made to pay thousands of dollars in unnecessary interest payments while we have been shuffled around between various members of their ineffectual staff with no end in sight.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax both by letter and using their inquiry dispute tool informing them of Inaccuracies with inquiries that are reporting on my credit profile. I explained to them that I did not give anyone permission to run my credit for said inquiries. In both my letter and using their dispute tool I informed them that I did not authorize the listed creditors to pull my credit. I requested that they furnish proof of my consent/authorization for these credit pulls since they were reporting this false information and ruining my ability to obtain credit. To which they aren't able to provide, because it doesn't exist. I didn't sign or consent in any way to those credit pulls. I was sent a generic investigation letter with a false resolution and no proof that what was being reported was accurate. Again, I did NOT authorize these credit pulls.
Product: Credit reporting or other personal consumer reports

It has now reached a point where I can no longer tolerate the sheer incompetence and apathy exhibited by your bureau in addressing the fraudulent XXXX entry on my credit report. Despite my numerous attempts to have this blatant error rectified, it continues to persist, and I find your lack of action nothing short of infuriating. 
XXXX XXXX XXXX-discharged Reference number : XXXX My previous correspondences and escalations have fallen on deaf ears, and your apparent indifference to my predicament is nothing short of infuriating. Your failure to take meaningful action on this matter reflects poorly on your agency 's credibility and competence. It is high time you acknowledge the gravity of this situation and take immediate steps to rectify it.
Product: Credit reporting or other personal consumer reports

I am worried deeply, there are many inaccuracies that are being reported on my credit. I need this fixed as soon aspossible, I am constantly worrying about it and it is very upsetting to me that these inaccuracies are reported without the agencies knowledge of them being one hundred percent correct.
Product: Credit card

credit card company stated they gave me a provisional credit on XX/XX/XXXX but it did not get credited to me and did not show on transactions but they charged it back to me on XXXX XXXX and it does show in transactions They claim i owe it to them but i never received the credit so i calculated all purchases and payments and i am negative that amount