23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Made a payment to my credit card out of an empty account. Called captiol one back once I saw I used the wrong one. 
They said they cant stop it that I have to wait until its posted then make the right payment. 
I follow up with making payment in cash at the branch. 
After a few weeks went to use the card it has a XXXX balance but no credit. 
Called the back they said they decided to close the card because of the mixup. 
But if I pay XXXX dollars to clear up the balance from the mixup they will open it up. I explain Im furloughed and dont have money, I need the credit card for gas but I can use what I have left if ok. 
She said pay it and then call back when it post. 
I did that called back and they said no, I got a different rep so I ask for supervisor who said rep was in error but will try to fix the issue. Explain the situation and need for the credit. She said there was a charge on my account from when the card was closed that overdraws my account. She clear that up and call me back after the holiday to get another card. 
No call in I called them today who says Im not eligible to have my card open. I explain the problem they said once closed it closed. I ask for a supervisor because I gave my funds up and there is no more but I am required to show up to work or could be terminated. She transferred me to manager who said I have to wait 7-10 business days and chances I wont get card back
Product: Credit reporting, credit repair services, or other personal consumer reports

When applying for my credit card with XXXX XXXX, I was under the mistaken belief that XXXX XXXX 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 XXXX XXXX XXXX, published by the Federal Reserve Bank of Chicago, that XXXX XXXX created 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 XXXX XXXX XXXX   did any officer or employee notify me that your bank created money by a journal entry ( out of thin air ). After discovering this, I am prepared to proceed against XXXX XXXX for 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 First National Bank of Tallapoosa v Monroe, 135 Ga.614 ; 69 S.E. 1123 ( 1911 ), 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 : Howard & Foster Co. v Citizens National Bank of Union, 133 S.C. 202 ; 130 SE 758, ( 1927 ) 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 Merchants Bank of Valdosta v Baird, 160 F 642 ; 17 Lns 526 ( 1876 ). 
XXXX XXXX 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 XXXX XXXX to me. 
A lawful consideration must exist and be tendered, to support the note. See Anheuser Busch Brewing Co. v Emma Mason, 44 Minn. 318, 46 NW 558 ( 1980 ). 

This account with XXXX XXXX was created under fraudulent terms and violates United States Code, Title 32, Section 24, Paragraph 7. XXXX XXXX has agreed to close the account but not remove the account from my credit report. I do not want fraudulent accounts on my credit report. 

A copy of the notice sent to XXXX XXXX explaining the fraud is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and the inquiry stated below is unfamiliar to me. Therefore, the furnisher was unauthorized to pull my credit report. 
Thus, there must be an error with TransUnion 's investigation. I have already addressed this issue to TransUnion but I have received nothing until this date. I am already doubting the accuracy of their investigation. 

XXXX Date of inquiry XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong Inquires showing on my account on all the 3 credit bureau for XX/XX/2022. I have called all business and they say there is nothing on my name in there system. I am wondering why it is showing in XXXX, Experian XXXX XXXX. Can you please help. I am reaching it XXXX time to CFPB so that i can get help. 

XXXX credit report : Hard Inquiries Enquiry Date : XX/XX/2022 Company Name : XXXX  XXXX  Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX Note : I was able to file dispute successfully online on XXXX XXXX. Please help in looking into it & remove the hard enquires from my account. Please let me know if you additional information from my end. I have police complaint for this issue. I have also called XXXX XXXX  and XXXX XXXX XXXX and they say there is noting on my name. 

******************************************* Experian Inquiries : Inquiries XXXX XXXX Inquiry date : XX/XX/2022 Additional details : - Business type : Auto Financing Companies Contact info : - Address : XXXX XXXX XXXX, XXXX, MI XXXX Phone number : ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX : XX/XX/2022 Note : Experian website don't allow Inquiries to be disputed online. It says if you believe an inquiry is the result of identity theft, contact us at XXXX. I called this number filed dispute and i have been told that this will be removed. Experian Dispute number : XXXX. Please help in looking into it & remvoe the above XXXX hard enquires from my account. Please let me know if you additional information from my end. I have police complaint for this issue. I have also callled XXXX XXXX and XXXX XXXX XXXX and they say there is noting on my name. 

*************************************************************** XXXX : Name : XXXX XXXX XXXX  Requested on : XX/XX/2022 Location : XXXX XXXX, XXXX XXXX, MI XXXX Phone : ( XXXX ) XXXX Inquiry Type : Individual Name : XXXX XXXX XXXX via XXXX XXXX XXXX Requested on : XX/XX/2022 Location : XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX Phone : Phone number not available Inquiry Type : Individual Note : XXXX website don't allow Inquiries to be disputed online. Please help in looking into it & remove the above XXXX hard enquires from my account. Please let me know if you additional information from my end. I have police complaint for this issue. I have also called XXXX XXXX XXXX  and XXXX XXXX XXXX and they say there is noting on my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

As per FCRA Section 611 ( a ), it is clearly stated that failure to investigate these items within XXXX days gives reason FOR IMMEDIATE DELETION. I have sent a letter on XX/XX/2022 regarding inaccurate and unknown items on my credit report. To this day, over XXXX days later, I have not received a response. FEDERAL LAW requires you to respond within XXXX days, It has now been over that period since your receipt of my letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair Credit Report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Card XXXX Credit Card XXXX XXXX Credit Card XXXX XXXX XXXX Credit Card XXXX has violated my rights. 
XXXX XXXX XXXX 15 U.SC 1681 Section 602 A. States I have a right to privacy. 

15 U.S.C 1681c. ( A ) ( 1 ) States no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) States that a person shall not furnish any information relating to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Trying to link PNC to savings vehicle called XXXX XXXX
Product: Credit card or prepaid card

I WAS CHARGED XXXX ON A XXXX XXXX AND WAS NEVER TOLD OF THE FEES INVOLVED. THIS IS OUTRIGHT FRAUD
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Pa, XXXX XXXX Original creditor XXXX XXXX community college Subject : Request for Account Information Account Number : XXXX Dear Sir/Madam, I am writing regarding the above-referenced account reported on my credit report. I am not disputing this account. However, I am requesting additional information to fully understand the details of this account. Please provide me with the following : XXXX. The date of the first delinquency on the account. 
XXXX. The date of the last payment made on the account. 
XXXX. The date the account was charged off. 

I appreciate your cooperation in providing this information and look forward to your prompt response. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the company Jefferson Capital Systems has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNT NUMBER XXXX ACCOUNT NAME XXXX XXXX This company has committed fraud stating my MIDDLE name and has account older than 8 years since XXXX went under in XXXX. They stated I opened the account XX/XX/XXXX which is false since the original company went out of business over XXXX years ago. 

According to 15 USC 1681eb they are supposed to ensure this 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. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Debt collection

I did a consumer credit transaction for the purchase of my home however I did not receive a meaningful explanation of the credit terms and I did not receive my right of rescission notice with rescission forms which are required material disclosures under federal consumer credit protection laws. This violated my rights under the Truth in Lending Act 15 USC 1635. MANUFACTURERS & TRADERS TRUST/ XXXX XXXX are the assignee 's of this alleged obligation and pursuant to federal law 15 USC 1641 ( c ) I have the right to rescind the consumer credit transaction against any assignee of an obligation. On XX/XX/2021, I, the consumer, exercised my right to rescind and rescinded this consumer credit transaction against MANUFACTURERS & TRADERS TRUST/ XXXX XXXX XXXX On XX/XX/2021 MANUFACTURERS & TRADERS TRUST/ XXXX XXXX received my affidavit and rescission of the consumer credit transaction. I have attached copies of the certified mail receipt and green return receipt for proof of delivery of rescission forms.
Product: Debt collection

This debt is not known to me. I am fighting an ongoing battle with this company. I have repeatedly made contact in writing and over the phone to no avail. I have sent law enforcement information to them to document that has been a victim of identity theft ; I sent them my Identity Theft Victims Affidavit and complaint made with the FTC attesting that this account was opened fraudulently. I complained to the credit bureaus and requested that full validation and they replied with just a statement stating that " the information has been verified ''. This request is for more than just a simple statement without detail. Rather, I must requisition a careful documentation, including statements, contracts, copies of checks, and any other pertinent information that is being used to ascertain the validity of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX did not send any notifications when a payment is due or past due. They went straight ahead and reported it to all credit bureaus for the 30 days past due without trying to contact me about the past dues in any forms of communications. I did make a full balance payment when I was able to log into my account a few days after the due date. I tried multiple attempts to work with the company ; however they refused to work on reporting to credit bureaus when I noticed and even lowered my credit line from {$7000.00} to {$300.00}.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I Paid this debt in full and the company sold to third party and they are allowing the third party to still report information unfairly on my report twice.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX XXXX helping me due to XXXX XXXXXXXX XXXX XXXX  which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. 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 und 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 or other personal consumer reports

CFPB, The loan I had with XXXX XXXX XXXX I paid less then the full balance because the car I had almost costed me to XXXX XXXX XXXX. When I was driving the car I heard a loud knock in the rear I pulled the car over, got out to look both of the back tires were leaning in, so I had it towed to XXXX XXXX XXXX XXXX in XXXX, XXXX. They called me on the phone and told me it's a good thing I stopped driving it. XXXX XXXX XXXX stated if I would have continued to drive it I would have lost all break function because it was missing Caliber Bolts on the back breaks. paid less than what you actually owed the creditor. It's a negative entry on your credit report
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Inaccurate Information in My Credit Report Dear Experian, I am writing to formally dispute inaccurate and/or unverifiable information included in my credit report as furnished by your agency. This dispute is submitted pursuant to the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681o, which provides for civil liability for negligent noncompliance.

The following item ( s ) on my credit report are inaccurate and require immediate investigation and correction : XXXX. XXXX XXXX XXXX {$1400.00} This account doesnt belong to me. I have asked for proof of a wet signature from me signing a contract with this company and I didnt receive any verification showing a contract with me and this company with my signature. I never opened an account with this company. 
XXXX. XXXX XXXX XXXX {$660.00} This account doesnt belong to me. I have asked for proof of a wet signature from me signing a contract with this company and I didnt receive any verification showing a contract with me and this company with my signature. I never opened an account with this company.

The inclusion of this inaccurate information has caused harm to my creditworthiness and may have resulted in adverse actions against me, including [ briefly mention harm, such as denial of credit, increased interest rates, etc. ].

Under 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable investigation of disputes regarding the completeness or accuracy of any information contained in my credit report. If the disputed information is not verified as accurate, it must be corrected or deleted promptly.

Please provide written confirmation of your receipt of this dispute within 30 days, as well as the results of your investigation. Should you fail to comply with your obligations under the FCRA, I reserve the right to pursue all remedies available to me under the law, including those outlined in 15 U.S.C. 1681o for civil liability due to negligent noncompliance.

Thank you for addressing this matter promptly. I look forward to your response. 

Sincerely, XXXX XXXX XXXX If youd like to refine it further or add more details about your case, let me know!
Product: Credit reporting, credit repair services, or other personal consumer reports

These are errors:Addresses:XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NV XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXXTelephone numbers:XXXX XXXX XXXX
Product: Debt collection

Linebarger Goggan Blair & Sampson LLP has been acting as a collection agency on behalf of the New Jersey XXXX XXXX. On XX/XX/XXXX, I sent Linebarger Goggan Blair & Sampson LLP a cease and desist letter regarding account No : XXXX. I sent this letter certified mail. I even put in bold type " You are to immediately stop contacting me regarding this issue ''. According to the United States Postal Service records, the letter was received by Linebarger Goggan Blair & Sampson LLC XX/XX/XXXX at XXXX. On XX/XX/XXXX XXXX months after the cease and desist, I received another collection letter from Linebarger Goggan Blair & Sampson LLP. This letter did not state it was from a Debt Collector and had the words DEMAND FOR PAYMENT in bold and underlined on the top.They are acting as a collection agency and must fully comply with the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXXXXXX XXXX  XXXX, NC XXXX ; XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$16000.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXXX/XX/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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, 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  Has violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C.1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments on XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.
Product: Credit card or prepaid card

Cap-on charge off on credit report dates back 3 years. Credit report locked till XX/XX/XXXX. Reported to cap-one XX/XX/XXXX this was not mine via XXXX XXXX number. XX/XX/XXXX had to report again to Cap-one fraud. Stated I never called them. XX/XX/XXXX, Cap-one fraud states I never called them. XXXX called Cap-one, but they won't work with me because I can't because my ID information doesn't match what they have on file. 
Each time I called, I asked for an email with the transcript of the conversation and verification of the original application so I can dispute inaccuracies with documentation. 

Nothing.