23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, PORTFOLIO failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
PORTFOLIO Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
PORTFOLIO Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge. 
On the date XX/XX/2022 XXXXXXXX XXXX agent, d/b/a XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.
Product: Checking or savings account

I have a XXXX Account with Chase Bank. Upon the opening of my account Chase never informed me of the Truth In Lending Disclosures. I was misinformed by the bank regarding the specific definitions of credit, creditor, open credit plan, etc. Chase bank has violated my rights and I am suffering financial harm due to this trespassing of my rights. The bank is also not honoring my certificate of agreement on file with the bank. 

15 USC 1601 - Truth in Lending 15 U.S. Code 1601 - Congressional findings and declaration of purpose ( a ) Informed use of credit The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices.

The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes.

( j ) The terms open end credit plan and open end consumer credit plan mean a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. A credit plan or open end consumer credit plan which is an open end credit plan or open end consumer credit plan within the meaning of the preceding sentence is an open end credit plan or open end consumer credit plan even if credit information is verified from time to time.
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX XXXX XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. 
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : XXXX : XXXX Fair Debt Collection Practices Act : https : XXXXXXXXtext On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. 

CREDITOR CONTACT INFORMATION : KOHLSXXXX XXXX Box XXXX XXXX, WI XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. 

I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I paid off my loan in its entirety on XXXX XXXX XXXX. Today is XXXX XXXX XXXX  Despite multiple phone calls and demands, Kia finance has not released the electronically on my title for my vehicle that has been paid in full for over 65 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous amount of times to have my information updated and it is still incorrect. As well as following through and contact merchants to ensure that accounts are in good status and payments have been made, but the bureau is reporting them as delinquent and incorrect. I have even paid money to get things fixed and corrected yet my information is not and may have actually been leaked for fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reports a balance that is XXXX ( XXXX ) times what it should be. Balance should be around XXXX  ( XXXX ) XXXX dollars for this account/trade line but is reporting with a balance in excess of XXXX XXXX XXXX XXXX XXXX XXXX dollars to XXXX, XXXX, and TransUnion XXXX XXXX has also failed to send billing statements to correct address and thus has not provided me with statements consistent with CFPB interpretation of Regulation Z. While statements may be alleged to be available online, I am a XXXX individual that suffers from XXXX that leads to periods of photo- and phono- XXXX making it difficult ( and painful ) for me to retrieve statements online during episodes. As such, I rely upon paper statements.
Product: Credit reporting or other personal consumer reports

Ive been trying to dispute this account on my report but my dispute has been ignored. I am requesting that you look into this matter again as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX : XXXX Date Opened : XX/XX/2019 XXXX Balance Owed : {$12000.00} XXXX : XXXX  Date Opened : XX/XX/2019 XXXX Balance Owed : {$12000.00}. Kindly be sure with the accuracy and precision with these customer record items. Related information similar to this, this is amazingly harmful to my current credit record! Kindly provide that the particular information is 100 % verifiable and appropriate.
Product: Debt collection

Portfolio Recovery Services calls me every week to collect a debt for a XXXX XXXX who lives in CA based on my investigation. My name is XXXX XXXX. I believe we both have a same/similar middle name, same DOB and similar SSN. This company is mistaken and calling to collect a debt from the wrong person. I have repeatedly asked that the calls stop to have my phone number removed from their list, and have attempted to block the many different phone numbers that call me, all without success. These calls are harassing. I need something done to stop the calls.
Product: Debt collection

My name is XXXX XXXX and I am personally submitting this compliant on Medicredit XXXX XXXX XXXX. I received a letter from Medicredi stating I owed a balance with them. I sent them certified mail correspondence that included Validation of debt letter, Affidavit of Truth, and a Cease and Desist. They received this correspondence on XX/XX/2021. This debt collector has continue to ignore my cease and desist, they have yet to respond to the AOT. Fair Credit Billing Act & Tila laws allows me to question a balance and have the debt proven to me. This recent statement is threatening to ruin my credit reputation and harassing calls has caused severe XXXX upon me. I do not validate or verify this debt.
Product: Credit reporting, credit repair services, 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 blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$890.00}, XXXX XXXX XXXXXXXX XXXX Open Date XX/XX/XXXX Balance : {$710.00}, XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

I deposited a check at Bank of America on the XXXX of XXXX for XXXX at the XXXX, Texas location. I received a receipt that states XXXX available on XX/XX/23 at XXXX & XXXX available on XX/XX/23 at XXXX. The representative at the bank also told me this information. Well, it's the holidays and none of my money is available they have a hold on it. I have spoke with several customer service representatives and supervisors regarding this matter where XXXX reps stated something different from what the supervisor advised me. So, it's like who do you believe or trust when you are continuously getting conflicting information. I was told XXXX available on XX/XX/23 that's what I'm expecting. Nobody seems to know anything or can tell me the correct information, but misinforming customers is not okay.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several accounts currently reported on my credit report. These accounts are not mine, and I believe they were added due to errors or possible identity theft. I request that you investigate and remove these inaccurate entries from my credit report as required by the Fair Credit Reporting Act ( FCRA ). 

The details of the disputed accounts are as follows : Creditor Name XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Creditor Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX  According to the FCRA, credit reporting agencies must report only accurate and verifiable information. I am invoking my rights under the FCRA to dispute these accounts for the following reasons : Inaccuracy : The accounts listed are not mine, and I have never had any dealings with these creditors.

Identity Theft : I suspect that these accounts may have been opened fraudulently using my personal information. 



Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card

There is an account for SEVENTH AVENUE that was opened in my name.. It was opened with out my knowledge. I have contacted this company numerous times. I am a victim of identity theft.
Product: Checking or savings account

Applied online for and funded a checking account with a {$15000.00} transfer from an external account on XX/XX/21. Confirmed with Citibank in an online chat later that day that account was successfully opened. Initial funding transferred from external account and showed as pending/on hold when logging in online to newly opened Citibank account. Received email from Citibank on XX/XX/21 that account would be automatically closed in 60 days because it was found that I had violated the terms of my account per the client manual. I called the number in the email to get more information regarding this notice and, after being transferred to 4 different individuals, I was finally able to speak with someone on Citibank 's fraud team who told me the account was set to be closed the same day I applied on XX/XX/21 for some reason they could not disclose over the phone, but that I would be receiving a letter in the mail with an explanation. When I inquired about being returned the {$15000.00} I had transferred to Citibank to fund my account, I was told that the status of that fund transfer was being reviewed and it could take anywhere form 30 to 60 days before that money would be returned, and another 10 to 15 days for the money to arrive by check in the mail. In addition to the unsatisfactory answers I received regarding the account being closed for vague reasons, I also expressed my dissatisfaction regarding the amount of time it could potentially take to have {$15000.00} returned to me. There was no intent by anyone I spoke with at Citibank to alleviate what to me feels like an unjust holding of money that belongs to me. I don't understand why money that was so easily transferred in when opening the account couldn't just as easily be transferred back. No one at Citibank was willing to help to resolve this matter in a satisfactory manner.
Product: Credit reporting or other personal consumer reports

I sent a CRA letter to verify the accuracy of information being reported on me and to provide me with evidence they have a permissible purpose to report a credit report on me under 15 U.S code 1681 ( b )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. If no proof found, therefore it must be deleted. Chapter XXXX Bankruptcy Reference # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : FDCPA section 807 Violation misleading false reporting XXXX XXXX XXXX XXXX FDCPA XXXX 807 Violation misleading false reporting XXXXXXXX XXXX XXXXXXXX XXXX Account : XXXX
Product: Checking or savings account

I am an USAA member since XXXX, and today ( XX/XX/XXXX ) I made a transfer from my XXXX XXXX XXXX XXXX to one of my checking accounts with USAA in the amount of {$13.00} to pay for an XXXX subscription. I made the transfer through my USAA app and did not see any indication that my small transfer would be on an extended hold to become available, or else, I would not transfer any funds to that account. After I finished my transfer and logged on to XXXX, I noticed that my {$13.00} subscription payment was not processing, and when I searched the reason for that, I saw that my USAA account had a 7-day hold for my transfer in the amount of {$13.00}. I contacted USAA and asked why there was a 7-day hold on such a small amount, and the representative ( XXXX ) told me that USAA is committed to create strong relationships with members, and since I had a {$5.00} NSF fee on the past 90-days, from now on my transfers would be subject to holds. I asked XXXX how could USAA would be creating stronger relationships with members by creating hardships and I felt that actions like those do not create stronger relationships. I then asked XXXX to connect me to a supervisor, he put me on hold for about ten seconds and returned back to the line offering to get me a call back from a supervisor and did not make any effort to transfer me to a supervisor. I feel that USAA is creating more inconvenience for members during times of a global pandemic and members like myself are being punished and discriminated over small problems like the {$5.00} NSF fee. I don't believe I would cause a loss to USAA over {$13.00}.
Product: Credit card or prepaid card

There was an overpayment that was made to my XXXX bill matrix account on XX/XX/11 in the amount of {$100.00} which includes a {$2.00} fee for payment online. I contact credit karma to dispute the payment. The agent I spoke with advise me that he had to disable the card and send a new card. Well since then the company XXXX BILL matrix has been trying to send back the funds to the card that us XXXX. Which I have attached the screenshot of the return. Now with the card being XXXX my funds are sitting in the air. I spoke with credit karma to dispute the charges so my funds can go back to my new card and not sit in limbo. Every single agent is no help. The only words they can provide is " there is no duplicate charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I am submitting this complaint because the credit bureaus have not wanted to help me. I am a victim of Identity Theft and someone has my information, and they are applying for credit accounts without my knowledge. I placed a fraud alert on my report and spoke to the credit bureaus. 

Equifax : Information Research I - XX/XX/XXXX XXXX : XXXX XXXX XXXX - XX/XX/XXXX XXXX : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX I have spoken to the bureaus on multiple different occasions and they have not been able to help me out in any way. I have even spoken to a supervisor and they will not help me. I am not sure why but i have done everything in my power to get this issue resolved. I am unable to apply for any loan or any credit because i am too scared of someone using my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an open account with XXXX and they are incorrectly reporting a missing payment from XX/XX/2019 when there was none. I called them to ask for an extension since my identity was stolen and said it would not report to the bureaus as late or missed. They said one thing and did another. This is is hurting my credit in a negative way and needs to be fixed asap. 

I will be including my police report as well for them to see. The rep on the phone was very rude and did not want to hear anything I said and hung up on me. This is no way to talk to a client.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX : # XXXX, XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item 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 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.