23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

To Whom it may Concern, This is this complaint is submitted Under OHIO LAW U.C.C 1319.12Takingassignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill , or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is voidable. The debt is non transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. Here are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I am writing to file a formal complaint regarding an unresolved issue with Klarna and XXXX. In XX/XX/year>, I placed an order on XXXX using a prepaid credit card issued by Klarna for the transaction. Unfortunately, I never received the ordered item. XXXX has acknowledged that the order did not arrive but informed me that the order is outside their refund window and advised me to contact my credit card issuer, Klarna. 

However, Klarna has refused to dispute the charge, citing XXXX 's refund policy. I have explained to Klarna that XXXX 's policy should not be relevant in this case, as this is a matter of a charge on my credit card for a product that was never delivered. Despite my explanation, Klarna remains uncooperative, leaving me without the product or a refund. 

I request the Consumer Financial Protection Bureau 's assistance in resolving this matter promptly.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX Presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has two closed accounts on my credit report, both are auto loans, one for the ammount of {$8300.00} which was open XX/XX/XXXX, reported XX/XX/XXXX, this loan was paid off when insurance ( XXXX XXXX ) cut the check directly to them for my auto accident for this auto loan. One for the ammount {$10000.00} which states it was open XX/XX/XXXX, reported on XX/XX/XXXX and closed XX/XX/XXXX. Both accounts were paid off in full. With not one late payment. They have negative remarks about my payment history that has been affecting my credit for 4 years now. I have loans from the department of education/Navi showing a {$0.00} balance still on my report with negative remarks about my payment history. I have many student loans on my report at a {$0.00} balance that were paid in full and either closed accounts/sold accounts/ or months over 7 years old with negative remarks about them being deragatory. I have an account on my report from the u.s department of education opened on XX/XX/XXXX that were just reported on XX/XX/XXXX. I have a account in collections from XXXX that has been removed from two of my credit reports because they knowingly supplied false information to obtain a debt. I am XXXX years old, 50 % of my credit report is inaccurate and or false. I have many negative remarks about my payment history that are not true and I have suffered from it for the past 4 years now. I have been unable to buy a home, open a credit account, I have even been denied a bank account before because of this, I have been denied apartments because of my credit reports and the false or inaccurate information demeaning my reputation indirectly claiming I have poor payment history or I can't stick contract or payment plan. I couldn't even get an opportunity to lease a new bed I have needed for my daughter for the past year. I have filed disputes to have these matters taken care of and I can no longer not take action it's time to fight for my credit freedom.
Product: Debt collection

This company in which I hold no contract with nor have received services from reported ( 3 ) different collection accounts against my Social Security Number in the amount of {$510.00}, {$710.00} and {$570.00} with XXXX, XXXX & XXXX   credit reporting agencies. I requested verification and validation on XX/XX/2018 of the alleged debt and account, however, the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof, I am not obligated to pay for the alleged debt.
Product: Debt collection

Recently I XXXX XXXX, formerly known as XXXX XXXX was sued for a very old collection account. I demanded a full investigation as to the age of the debt, and I won in the XXXX XXXX XXXX as the debt simply was no longer enforceable. So, I started to do some additional research pertaining to a default judgment entered against me in XX/XX/2018 by XXXX XXXX XXXX, as assignee for J.P. Morgan Chase. I now have a judgment against me that had no right to ever be before a judge in the XXXX District Court, XXXX XXXX XXXX, XXXX, MA XXXX. I am going one step further by stating that the original debt with J.P. Morgan Chase had been in default for well over seven years, and for that matter the account is not even posted on any of my credit bureaus. The debt buyer known as XXXX XXXX XXXX is protected within the XXXX of Massachusetts from even licensing as a debt collector as per recent Superior Court decisions as well as a mandate from the Massachusetts Banking Department. A law firm know throughout the XXXX of Massachusetts as XXXX XXXX  XXXX filed the lawsuit, and I was never given proof of ownership of debt from XXXX XXXX  XXXX that XXXX XXXX XXXX had the necessary assignments of debt, and/or any upset price on the purchase of said debt. I am a woman of XXXX  status, being a person of 50 % XXXX and 50 % XXXX heritage. I work a very responsible job for the XXXX of Massachusetts, and I believe that debt buyers target minorities due to their limitations within the financial system in general. I have been the target of racism and I do not believe that proper due diligence was proved on ownership in the judgment posted against me. I hereby demand a full vacatur of the judgment against me immediately, and a return of all funds seized from my payroll checks. I will take the following actions within 30-days if my rights under the Fair Debt Collection Practices Act as well as the Fair Credit Reporting Act are not protected : 1 ) I will  submit a bar complaint against XXXX XXXX  XXXX and XXXX XXXX XXXX, Esq. 
2 ) I will submit additional complaints within the XXXX of Massachusetts agencies such as the Office of Attorney General and the Massachusetts Department of Banking. 
3 ) I will submit complaint with the XXXX and XXXX XXXX, as I believe that a proper investigation will prove XXXX bias in the debt purchase scam, as well as with their lawyers that enforce these judgment actions in our district courts. 
4 ) I have three additional areas to steer this issue to that I will reserve at this time. 
5 ) J. P. Morgan Chase violated my rights by submitting my collection information outside of legal timelines, and should be sanctioned by the CFPB. 
Please take my complaint with the Consumer Financial Protection Bureau serious and address my concerns. I do have a civil rights lawyer from XXXX who wants to come on board with my complaint, but I told him that at this time I am trying to protect my family and would like to see if the problem could be resolved peacefully without additional actions. 
I demand that the judgment taken against me be vacated immediately and all seized funds returned. 
XXXX XXXX
Product: Vehicle loan or lease

I purchased a XXXX XXXXXXXX XXXX from XXXX XXXX with GAP coverage. I refinanced the vehicle to another lending company due customer support issues with BoA. I have not received a refund for this GAP coverage and the dealer & lender are giving me the run around. This GAP coverage needs to be refunded as the timeframe to legally process these refunds has passed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. IC SYSTEM INC 135204, has violated my rights. 15 U.S.C 1681 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 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.
Product: Payday loan, title loan, personal loan, or advance loan

One main financial overcharge fees and settlement under the unfair act with my interest fees
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXXXXXX Balance XXXX {$720.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I am XXXX XXXX and I'm submitting this complaint myself and there is NO THIRD PARTY INVOLVED. 

I, XXXX XXXX, consumer, a natural person and the original creditor of an open-end credit plan, have been a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) that you have the Authority to Decline or Rescind. I assure you the information that I am presenting to you was not blocked in error. No material misrepresentation of the fact has taken place. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized. Certified Mail # : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter to the courthouse asking if they report bankruptcy information to the credit bureaus. I received a letter from the courthouse stating that they do not report bankruptcy information to anyone. So how did the credit reporting companies verify my bankruptcy as 100 % accurate? They never did a fair investigation as stated by law 15 U.S.C 1681.

15 U.S.C 1681 section 603 ( E ) ( 3 ) States ; " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer character. general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such item of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They violated my rights on numerous occasions.

Credit bureaus violated my given rights under 15 U.S.C 1681.

According to 15 U.S.C.1681 Section 602 A States I have a right to privacy.

According to 15 U.S.C 1681 Section 604 A States a consumer reporting agency can not furnish an account without my written instructions.

According to 15U.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.
Product: Debt collection

This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. 
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 
I have not supplied proof under the doctoring of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I presume that no proof of the alleged debt nor therefore any such debt in fact exists Please delete this account immediately from all three credit bureaus.
Product: Checking or savings account

I deposited a check that my mother endorsed to me. The check was placed on a hold. We were advised of the release date of XX/XX/XXXX when the release day came the funded were still on hold with a new release date of XX/XX/XXXX and now XX/XX/XXXX. When asked for an explanation they stated they are waiting for validation of the check. We have done everything to prove the validation of this check but the bank just keeps extending the hold with any explanation. We even asked for the transaction to be canceled and that we will pay the chargeback fee.and still nothing. They have had the check since XX/XX/year>
Product: Credit card

There is no way to set up automatic payments for my personal credit card on the XXXX website. I missed a payment one time and I called them and asked them to set up for me. They confirmed it was set up and then I missed another payment because they did not turn automatic payments on. There needs to be an option to set up automatic payments on their website and I would like for them to remove my missed payment from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account # 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 an 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 or 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.
Product: Credit card or prepaid card

Respected sir/madam I am XXXX XXXX XXXX XXXX XXXX XX/XX/1997 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I had taken one loan from XXXX XXXX bank XXXX XXXX XXXX, which is continue and I am paying all XXXX  on time. 
But my credit report on THE EQUIFAX is very low due to some loans of XXXX rupees and etcetera which i had not taken from any bank. 
And due to this unknown loans my credit report is very bad. 

Kindly rectify my credit score for my brighter future Yours sincerely XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; I sent in a dispute for an account that I believe is inaccurate. XXXX XXXX # XXXX. after pulling my 3 bureau side by side credit report I can clearly see inaccuracies 1. date of last activity is accurate 2. date reported is incorrect 3. opened is incorrect 4. account description is incorrect 5.payment status is incorrect 6. last payment is incorrect 7. INCORRECT ADDRESS according to the fcra information as to be 100 % accurate.. why are u reporting different information than XXXX IF YOU'RE BOTH GETTING YOUR INFORMATION FROM THE SAME CREDITOR WHY IS IF DIFFERENT..IVE INCLUDED DOCUMENTS FROM THE ORIGINAL CREDITOR. CORRECT ADDRESS. CORRECT DATES
Product: Credit reporting or other personal consumer reports

This Student Loan originated in the summer of XX/XX/year> with XXXX XXXX XXXX, in XXXX XXXX, Louisiana as the receiving School for this Student Loan. XXXX was the original servicer - XXXX is currently handling this Student Loan as the Guarantor. I attended roughly, 4-6 weeks of class. XXXX XXXX devastated 80 % of XXXX XXXX XXXX on XX/XX/year>. I could not continue my education- ALL schools and the City was closed INDEFINITELY. I was dislocated/relocated to XXXX, TX, then to California by XXXX. I have my XXXX XXXX XXXX record ATTACHED. There is NO Student Loan listed at XXXX XXXX XXXX in my Name, nor, are there any DISBURSEMENT records of ANY Financial Student Aid given to me. I have been disputing this erroneous Student Loan for 20 years. My Student Financial Aid Record PROVES, without a DOUBT, I did NOT RECEIVE any Student Loans in the Summer of XXXX. XXXX XXXX XXXX has NO record of any Student Loans in my NAME.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name and birthdate was wrong for maybe twenty years and it affected my scores for all those years and transUnion refused To investigate it. TransUnions credit scores have always been 40 - 50 points below the other credit scoring agencies. The wrong information for all those years is one reason why. XXXX doesnt do anything to investigate and for that reason TransUnion does nothing to correct their mistakes. All the three credit scoring agencies discriminate openly because there isnt government regulation or investigation. These credit scores have held XXXX down forever and with President Biden pledging to stop this and leveling the chances for all. Credit scores are the number one reason people of XXXX are kept from getting things XXXX in the same situation have. Since the trump administration changed the culture from when Obama led the cfpb and helped cunsumers to the present when nothing is done. The Credit Agencies should be run by the federal government because of the affect it has on peoples lives. We know nothing about who are running these agencies and it is on purpose. I am sure this will not be publicized or acted on but I will send this complaint again if I dont hear any response, when the president has time to put others on this agency who will not allow any agency to discriminated
Product: Debt collection

Comenity bank excessive calls upwards of XXXX to XXXX times a XXXX  yes I had the money to pay the account I had to wait for checks to come because I couldn't find an app to pay through but then they got extremely excessive and they keep calling my mom even on the XXXX of XXXX and they keep accusing her of being me and that she is lieing for note I do not live with her she is in her XXXX and is getting excessive calls from them too and it's quite upsetting for her I want them to stop and at this point I want to sue to remove it from my credit and have it show paid in full or I will get a lawyer for the harassment it's beyond anything that should be legal but doing what they are doing to my mom is most upsetting
Product: Credit card or prepaid card

I had filed a dispute on a charge that was made to a merchant on XXXX to my NetSpend card after doing so XXXX resolved the issue and refunded my money through PayPal which has my refund now due to the fact I diputed the charge to my credit card company I can't receive a refund and net spend won't drop the dispute I filled on my request that it's been taken care of and is hold the dispute for thirty more days I want it dropped now I am told there's nothing I can do but what really I did it now can't reverse it and there dispute department has no contact info to talk to them it all a bigness that's now held up a large sum of money my that I need thank you
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX, paid off 2 accounts in full i would like for the account status to be updated on all 3 of my credit reports as paid.