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

XXXX was given a instrument to discharge the debt to the irs and willfully violated my consumer rights according to : House Joint Resolution 192 - to suspend the gold standard and to abrogate the gold clause. 
18usc8 Obligation or other security of the United States defined - The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks. 
31 U.S. Code 5118 - Gold clauses and consent to sue- ( a ) In this section ( 1 ) gold clause means a provision in or related to an obligation alleging to give the obligee a right to require payment in ( A ) gold ; ( B ) a particular United States coin or currency ; or ( C ) United States money measured in gold or a particular United States coin or currency. 
( 2 ) public debt obligation means a domestic obligation issued or guaranteed by the United States Government to repay money or interest. 
ucc 3-311 ACCORD AND SATISFACTION BY USE OF INSTRUMENT - ( a ) If a person against whom a claim is asserted proves that ( i ) that person in good faith tendered an instrument to the claimant as full satisfaction of the claim Ucc 3-603 TENDER OF PAYMENT ( copy of rejection letter provided ) - ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. 
( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. 
XXXX is entitled to enforce the instrument i sent them and willfully reject to do it which pursuant to ucc 3-603 makes this account of my credit report unaccurate. 

I got a letter through this case number with a pdf attached to the case.

CFPB Case No. : XXXX XXXX Account XXXX. : XXXX in XX/XX/2023 through pdf provided stating " XXXX XXXX XXXX XXXX does not accept promissory notes or a Form 1099A as payment and will only accept valid legal monetary instruments in the form of United States currency for payments or payoffs. '' This accepting that they got the legal instrument to discharge debt but willfully denied and pursuant to ucc 3-603 there is discharge.
Product: Mortgage

On XX/XX/2018 I reached out to my mortgage company for assistance because of loss of income. I was working a XXXX XXXX and it ended in XX/XX/2018, so I fell behind on my mortgage payments. I reached out to XXXX XXXX XXXX XXXX and they were willing to assist me during my hardship. We contacted Carrington Mortgage Company to confirm they would work with XXXX XXXX XXXX. They said " YES '' they would work with XXXX XXXX XXXX. On XX/XX/2018 Ms. XXXX from XXXX XXXX XXXX contacted me to let me know that XXXX XXXX  wanted to assist also and it would leave me with a balance of {$3300.00} to bring my account current. Yes, I felt XXXX had answered my prayer, finally help to get back on track. Ms. XXXX asked me to come into the office on XXXX XXXX so we could Speak with Carrington Mortgage about our plan to get the mortgage current. The Representative we spoke with was very negative, saying they could not accept our payments and my home would be going in foreclosure. I thought Mortgage Companies should be helping people stay in their home instead of trying to foreclose. Carrington agreed to working with XXXX XXXX XXXX XXXX and now they refuse the payment so that they can foreclose on my home. I have never seen anything like this in my life. It's cruel for Carrington to foreclose on my home after they claimed they would work with me. It's obvious they do not have consciences. I do not want to lose my home. Carrington, why are you refusing payment when you agreed to working with XXXX XXXX XXXX? This is so WRONG!
Product: Credit reporting or other personal consumer reports

Remove late payments from credit report Vehicles where in business name with out guarantee personal Reporting on personal credit report for errors under business account and loan Not joint account
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that XXXX and XXXX has efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. XXXX and XXXX are reporting inaccurate information on M & M CREDIT ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ). Also, I tried contacting the XXXX and XXXX Credit Bureaus to request a complete payment history with this account for me to review the exact date on which the collection were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit card or prepaid card

I applied for a  XXXX   XXXX  Credit card in the store was approved and used the card once. Received my statement and made payment on time. A month later the bank closed the account stating too make inquiries on my credit report. This is a horrible way to do business. The company at most should have lowered the card limit to an amount they felt comfortable with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the below creditors and they have No proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal, I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of my authorization nor any permissible purpose.

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681ib in general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.
Product: Credit reporting or other personal consumer reports

Despite our previous attempts, I regret to inform you that this issue still persists. As we enter the multiple attempt to address this matter, I want to emphasize the urgency and importance of rectifying this discrepancy promptly. The presence of a late open accounts affects my credit score and raises concerns about the accuracy and integrity of my credit information. I kindly request that you prioritize the investigation and resolution of this discrepancy, ensuring that all necessary steps are taken to correct it in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. 

Furthermore, I would greatly appreciate receiving regular updates on the progress made in resolving this matter and a clear timeline for when I can expect to see this discrepancy corrected on my credit report. I understand that addressing such issues may require time and effort, but I urge you to handle this matter with the diligence and attention it deserves. Your assistance in rectifying this discrepancy is crucial to ensuring the accuracy and integrity of my credit information. With this, I am asking for your assistance to correct othe accounts : XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX Balance Owed : {$6100.00}.
Product: Credit reporting 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 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 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
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX, XXXX, XXXX XXXX XXXX XXXX NY XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX Balance : {$0.00}, XXXX  XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00} , XXXX  XXXX XXXX Balance : {$390.00}, XXXX XXXXXXXX XXXX Balance : {$900.00}, XXXX  XXXX XXXX Balance : {$440.00}, XXXX XXXX XXXX Balance : {$580.00}, XXXX XXXX XXXX Balance : {$83.00}, XXXX XXXX XXXX Balance : {$110.00}, XXXX  XXXX XXXX Balance : {$610.00}, XXXX XXXXXXXX XXXX Balance : {$820.00}, XXXX XXXX XXXX Balance : {$210.00}, XXXX  XXXX XXXX Balance : {$270.00}XXXX XXXX XXXX XXXX Balance : {$130.00}, XXXX XXXXXXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$590.00}, XXXX XXXX XXXX Balance : {$1400.00},, XXXX XXXX XXXX  Balance : {$0.00}, XXXX  XXXX XXXX Balance : {$270.00}XXXX XXXX  XXXX XXXX Balance : {$200.00}, XXXX XXXX XXXX Balance : {$100.00}
Product: Debt collection

McCarthy, Burgess & Wolff Address : XXXX XXXX XXXX, XXXX XXXX, OH XXXX Hours : Open today XXXX Phone : ( XXXX ) XXXX A representative named " XXXX XXXX XXXX has called me daily leaving a voicemail asking to collect a debt, not knowing who they are contacting and asking for personal information. After the 3rd call on XX/XX/17 I called back and asked who they were trying to contact, they refused to tell me. I asked what creditor they are trying to collect on behalf of. They refused to tell me. I then asked that they send a validation notice/letter and XXXX did not know what that was ( which is her job ). After explaining it to her, she asked what address to send it to, I said to send it to the billing address that the creditor has on file. XXXX did not acknowledge that I even spoke to her. I asked her if she was going to send it to me " yes or no '' and she said yes.
Product: Credit reporting or other personal consumer reports

I spoke with Transunion today XX/XX/year>. I explained to them that I am a victim of identity theft and that there are accounts on my credit report that were not authorized by me. I have been getting many calls from different agencies about debt that I owe, that I have never once signed up for or approved. I have a police report as well as an IRS pin.
Product: Checking or savings account

On XX/XX/2022, I receive three emails from Key Bank referring to a checking account that I had opened that day prompting me to sign up for online banking services. One email referenced a specific account number with my name attached to it. The account creation date was reported as XX/XX/2022, one day after the account had actually been created. I have never banked with Key Bank. 
I called the bank and verified my personal information. A quick search of their records verified that an account had been opened in my name with my social security number. The bank froze the account immediately. I am still awaiting a call from the bank 's fraud department to follow up on the fraudulent activity. 
I have since frozen all of my credit reports. The next day, I received two suspicious text messages referencing an activation code for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Someone from XXXX XXXX XXXX came to our home and asked to do a evaluation of our bathroom and see if we qualified for a bathroom remodel. They gave us paperwork on a quote of what it would cost and asked us to sign it. Six months had elapsed when we received a call from GreenSky advising we had defaulted on our loan and it was now due in full {$20000.00}. We advised GreenSky that we had not received nor had we ever signed up for a loan with them. We never received any paperwork or any services from XXXX XXXX  XXXX  or GreenSky.
Product: Credit card or prepaid card

Back In XX/XX/2019 was hospitalized for a preexisting condition that became worse.I was in the hospital for over 3 months. when I finally was able to get in contact with Target credit card. they had advised to me that my account had been sent to a collection agency due to non payment. I tired to get in contact with the bank that Fiances the Target Credit card, however when my information would be authenticated it would directly send me to a collection agency. I had an extremely difficult time trying to get a hold of the customer service department for XXXX XXXX the financer for the target card. I was told that they were only able to waive one fee and that since the account was closed that I would have to speak to the collection agency and handle this with them. I called them and explain the circumstances to why I was calling and they told me that there was nothing they could. I myself work for a XXXX Company and understand that in certain situations we are able to clear and help customers out in the same situation that I was just in.normally in a situation like this we would go through the account and Rehab the customers account to ADJ any fees and or min payment ADJ so the customer would be able to once again have an account open or if not able to at least the customer knew that we would make an arrangement with them to pay the balance on the card with not an accumulation of fees and int. due to a customer having an illness, death, or any outside circumstance that a customer would not a direct control over.
Product: Credit card

They sent me offer through the mail about applying for their credit card and theyd let me go a year with any interest and pay me XXXX after sending XXXX but when I applied they gave me a different offer that was no where near as good as the one they first offered. Now they made me run my credit for no reason because I did not accept that terrible offer.
Product: Credit reporting or other personal consumer reports

I have disputed my XXXX XXXX XXXX XXXX XXXX account several times with Experian due to reporting incomplete information on my consumer credit report regarding this credit card account since the account was opened in XX/XX/2018 After the disputes were completed by Experian, Experian filled to update the account to show all complete details per the FCRA. The account shows as " NO STATUS '', which in fact the account have been opened since 2018 with all on time payments. 

I have attached XXXX pdf ( s ) to show how Experian is currently reporting this account without all necessary incomplete details of the account.
Product: Debt collection

I am writing to formally dispute and request the correction of inaccurate late payment information on my credit report. After careful review of my credit report, I have identified discrepancies related to the reporting of late payments. I am seeking your assistance in correcting this matter promptly. 
Below are the details of the late payment information that requires attention : 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. 
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. 
XXXX XXXXXXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX 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. 
I acknowledge that there was a late payment on the mentioned account, and I take full responsibility for the delay. However, I want to bring to your attention that the late payment has since been settled. I discovered the oversight promptly and made the payment as soon as I became aware of the delinquency. 
I understand the importance of accurate credit reporting, and I am kindly requesting your consideration to update the late payment status on my credit report. I am not disputing the fact that the payment was initially late, but I am requesting that the credit report reflect the resolution of the issue that is, the payment has been made and the account is now current.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Balance : {$650.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Checking or savings account

This is what I've sent to South State- I know that these fees are excessive and posted in an order to assure that they are able to charge as many fees as possible. Hello, since the beginning of XXXX I have been charged {$1900.00} in overdraft fees, {$680.00} just since XXXX of XXXX. I am writing this because I am trying to regain control of my budget, and that has become impossible due to the amount of overdraft fees I have accrued in my account. These are uncertain and trying times for all of us and I wish to urge you to reconsider these fees. It is such a high amount and myself and my spouse have held account both separate and joint with South state for quite some time, we remain loyal and recommend others to join your bank as well. I know this is a large chunk of the revenue that this bank collects- however I do humbly ask that you please refund these charges. " Overdraft fees are largely incurred by only a small number of financially vulnerable consumers : Just XXXX percent of account holders pay XXXX percent of overdraft and NSF fees. Because overdraft fees are flat and fixedthey are the same whether an account is overdrawn by {$10.00} or $ XXXX card overdrafts bear the most disproportionate penalty because they tend to be the smallest transactions '' The bank responded to speak to my local branch, to which I already have- and they were no help. I have regular deposits to this account. In addition to this several of these fees were charged due to erroneously bank drafts. I spoke with a bank rep over the phone who reported that the amount of fees were " excessive '' I attempted on XX/XX/XXXX to gain a better understanding of these fees from a CSR at Southstate who reported that they can not give me any information because they are not able to see past the year of XXXX and that it would cost them $ XXXX hour to get the info. Then the CSR terminated the conversation by hangnig up. The reps name was XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Method of Verification Request for Disputed Item Dear XXXX, I recently disputed TRANSWORLD SYSTEMS INC/ XXXX on my credit report XX/XX/year>, and your response stated that the item was verified. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 7 ), I am formally requesting the method of verification used to validate this information. 

Please provide : XXXX. The name, address, and contact information of the entity that verified this information. 
XXXX. A detailed explanation of the verification process, including any supporting documentation received from the furnisher. 

If you can not verify this item with proper documentation, please remove it from my credit report immediately and I would like to be compensated for all inaccuracies. 

I expect a response within XXXX  days, as required by law. Failure to comply will result in further action, including possible complaints to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).
Product: Credit card

Chase violated the FCRA by accessing my credit report to conduct " Account review inquires '' after my account relationship had ended with Chase. This meant that Chase made these inquires to all three of the CRA ( Credit Reporting Agencies ), without my consent for an account review for credit services. This was not in an effort to offer credit or other services. Chase did not notify me or ask permission to review my account. Chase will not remove the inquiries or the accounts that were closed. I will take further action up to and including a lawsuit to protect my consumer rights under FCRA.