23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to correct this false information that is being reported as mine by this company twice on XX/XX/2023 twice on XX/XX/2023 one on XX/XX/2023. This company has failed multiple times to remove the incorrect addresses listed on my credit file. This company has failed me as a private consumer and continues to report false and damaging information on my credit file. I have sent letters to this company I have called this company and I have submitted several complaints about this company through this website and minimal action has been taken to protect me a a private consumer or to correct to false information on my credit report. If this company fails to address this issue again I believe I will have no other choice but to take legal action against them to protect myself.
Product: Checking or savings account

Im so confused and tired of this bank taking money out my account I have moved my money into my saving account I check it this morning and XXXX dollars and some changes was Transferred from my savings to my checking account why I dont know Im sorry but every time they touch my money Im going to complain this is crazy Im not comfortable with my money being in this bank anymore I cant keep up with my balance its always different day to day
Product: Credit reporting or other personal consumer reports

I looked at my credit report, and I noticed some inaccuracies. I sent a letter to XXXX also XXXX asking them to investigate these accounts. I sent it mail- And according to 15 USC 1681 ( 5 ) | see it states 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 credit bureaus did not reinvestigate and violated I do not have a contract with XXXX XXXX. I have not authorized my signature and asked for validation of these accounts Inquiry details XXXX  XXXX VIA DEALER ( Finance ) XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX original creditor. I have no idea who these people are. i do not nor have I had any internet / cable or phone services with them. I have had service with frontier for the past 5 years. On XXXX XXXX XXXX  sent incorrect and wrong person information to three credit bureaus reporting I own {$530.00} and my account opened XX/XX/XXXX On XX/XX/XXXX XXXX  lAGAIN sent incorrect information to XXXX XXXX that I owe {$530.00} XXXX filed a complaint with XXXX, XXXX and XXXX credit bureaus and they removed and deleted the information from my credit report. WELL HERE WE GO AGAIN. XXXX XXXX Southwest Credit Systems has reported I owe {$530.00} and my account opened on XX/XX/XXXX. MOST ALARMING NOW IS SOUTHWEST CREDIT SYSTEMS XXXX I MADE A RECENT PAYMENT OF {$140.00} WHICH IS NOT CORRECT. I REQUEST ALL INVOLVED IN THIS MATTER LISTED IN MY COMPLAINT TO PROVIDE SUPPORTING DOCUMENTS. THIS HARASSMENT HAS TO STOP THANK YOU XXXX XXXX
Product: Debt collection

I sent in a dispute last year and again in XX/XX/XXXX. This item was removed from my account. After 3 months it is put back on XXXX and XXXX  with an opened date of XX/XX/XXXX which from my understanding the open date has to be the date originally opened which was in XX/XX/XXXX. I constantly get calls on my cell number from Diversified Consultants at all times of day and night. I have never received written notification from anyone about this item being put back on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
CAPITAL XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$700.00} ; XXXX  XXXX Balance Owed : {$370.00}.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$23000.00} WXXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$32000.00} XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$330.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$450.00} TXXXX XXXX XXXX XXXX XXXX XXXX- {$430.00} XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX -- {$4400.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$450.00}
Product: Credit reporting, credit repair services, 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 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 Balance : {$540.00} XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX XXXX Creditor : XXXX XXXX  ) XXXX Balance : {$450.00} XXXX XXXX ( XXXX XXXX : XXXX XXXX ) XXXX Balance : {$920.00} XXXX XXXX ( Original XXXX XXXX XXXX XXXXXXXX  ) XXXX Balance : {$520.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$410.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$180.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

After viewing a copy of my credit report, I noticed XXXX collection accounts placed on my credit report from XXXX XXXX
I am unaware of any outstanding medical bills that I possess, and I have sought the name of the hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe.
I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party.
Three letters have been sent XXXX XXXX in regards to verifying these account in regards to any contractual agreement that I have directly with XXXX XXXX. The final letter was sent via certified approximately 35 days upon no receipt of requested information.
Experian has also failed to mail me any information regarding these accounts are factual. Representative failed to listen to my attempts to contact XXXX XXXX and insisted that I continue to do so regardless of many failed attempts.
Product: Debt collection

Valley Empire Collection XXXX XXXX XXXX Washington filed a lawsuit against my wife and added both our names on the lawsuit for a medical debt that was not communicated to us. My XXXX XXXX XXXX was served the legal paperwork and refused to accept the paperwork. They left it on the door steps. No communication were made in regards to the collection. The medical debt in the amount of {$430.00} plus interest {$27.00} and filing fee {$73.00} and process fee of {$98.00} for XXXX XXXX. They refuse to work with us on correcting the issue or make communication with us other than filing a lawsuit.
Product: Payday loan, title loan, personal loan, or advance loan

I told them when I got paid and they're trying to get money out right now and they are charging me more for interest that I can afford and I told them to lower it and they don't listen cuz I'm part-time now and they keep texting me to put money in now that I don't have I want them to stop I told them please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an alleged bankruptcy being reported by Transunion several times from the year 2020 to now. The bankruptcy is being reported by Transunion as a XXXX XXXX XXXX with Docket # XXXX. Transunion has sent results many times claiming that they verified a bankruptcy in my name with the courts. I wrote a letter to the courts and they sent me a letter stating that they do NOT report or verify any public record information or any other information with credit reporting agencies. I have sent this letter from the court to Transunion several times and they still claim that they verified the alleged bankruptcy with the courts. Also, I have asked several times in my dispute letters for Transunion to send me the original documents bearing my signature that prove the alleged bankruptcy is mine and to send me the name of the person at the courts they spoke to so I can follow-up. But Transunion continues to ignore these requests. To this day, Transunion have never provided me with any original documentation bearing my signature or the name of who they spoke with at the courts to prove how they verified the alleged bankruptcy. Transunion has proven that they can not properly verify the bankruptcy they are reporting because they have not provided original documents or the name of whom they spoke to at the courts. By law, they are supposed to properly verify disputed items or remove it. I have attached the letter from the court, dispute letters I sent to Transunion and results from Transunion where it can be clearly seen that they lied about verifying with the courts. The letter I received form the court is dated in 2020 which proves how long Transunion has been lying about how they verified the bankruptcy and how long I have been trying to resolve this issue with them. Transunion is continuing to violate my consumer rights by reporting inaccurate information and lying about how they verified that information.
Product: Checking or savings account

My account has been compromised several times and each time I open a dispute it is denied in less than 24 hrs with out any supporting evidence. I have lost over {$7000.00} to the practices of this fintech company
Product: Debt collection

A suspicious debt was listed on my report back in XXXX stating it was defaulted & that it was opened in XXXX of XXXX, claiming that I owed money on a XXXX/XXXX account, that I am positive that I had never opened. A year later, this company referred to as Midland Funding Llc, appeared on my credit report, claiming to be the collection agency for XXXX/XXXX. In the past, I had tried to dispute both of these supposed debt reports through the credit agencies with no success. It has been almost 7 yrs. since the 1st listing on my report, & I have NEVER received any notifications from neither the " original '' creditor, nor Midland Funding Llc. If this collection account through this agency Midland Funding Llc was supposedly real, then wouldn't you think that I would have received phone calls, mail, or emails about it already from both the original creditor & this agency, considering it has been 6 yrs. & 8 months since the original creditor stated that suspicious account had officially been opened? To make this even more questionable, this company Midland Funding Llc has violated the law by re-aging this so-called debt on my credit report, thus stating that it was opened in XXXX of XXXX, to keep being able to illegally report this collection account to the credit bureaus for almost 2 yrs. longer than the original supposed account opening date. This isn't right that there are agencies out there, that will go out of their way to purposely break the law in several different ways just to con people into paying a debt that isn't theirs just because they listed it on these individual 's credit reports, & they don't even attempt to validate the accounts at all to make sure they are legit first.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in response to an issue I have encountered with Equifax today ( XXXX XXXX, 2017 ) : I was notified by my credit card company that my Equifax account was frozen and that they were unable to pull my report. Since I had not requested the freeze on my account, I called Equifax. After giving the representative, my name, address, social security number, my credit card names and limits, and my previous addresses, the representative verified my identity, and explained that my account was on hold because I had changed my name earlier in the year. The Equifax representative explained that the hold could be removed once I faxed a copy of my Social Security Card and Driver 's License. 
After all of the issues Equifax has had with data security, I do not feel comfortable sending photocopies of my Social Security Card and Driver 's License. I understand that Equifax already has my Social Security Number and Driver 's license number, yet they do not have photo copies the physical cards. I refused to submit this data to Equifax as I had already verbally giving them all the data necessary to validate my identity. I have also changed my name with every account that reports my credit to Equifax. 
The conversation ended with the Equifax Representative stating that my credit report will be on hold until I submit the requested photo copies. 

Here are some salient facts : Equifax 's data security can not be trusted. 
Equifax is asking for photo copies of my SS card and DL, even though I had already verified my identity with security questions and my credit card companies. 
I did not choose to have my information sent to Equifax. The credit card company utilizes their services. 
Equifax is holding my credit history hostage until I release more data to them that they can potentially lose to hackers.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received an alert stating there was potentially negative information on my account. I called the credit monitoring company who stated I needed to call the lender. I had to wait until XX/XX/11 to do that. I called the lender who stated they had no record of the reported account in my name, so recommended I call the credit bureau. I called the credit bureau and could not get through to a person. I called the credit monitoring company again who gave me a different number to call stating it was for a live person. It was still for a recording and I could not get through to a person. I started a dispute online and they gave me yet a different number to call because it appeared to be fraud, but I could not speak to a person nor could I enter any information about my situation. I was on the phone for 45 minutes before the computer system disconnected me. I have also yet to receive a confirmation of the online dispute or that it has been received.
Product: Vehicle loan or lease

They are charging me more interest than what is allowed by law. My current interest rate is 22.789 %. when the maximum for a auto loan is 16.00 %. This is predatory lending at its finest.
Product: Credit reporting, credit repair services, or other personal consumer reports

VW Credit account XXXX The payments on this account have been reported and changed over and over. It had showed payments on time after disputed and then it changed again to show negative payment history. The reporting has been inconsistent over the several months that I have been trying to get in corrected. Each time VW Credit says the account has been verified. Clearly it is unverified because the payment history changes every month and is being reported differently to XXXX, XXXX, XXXX, and XXXX.These errors are negatively affecting my credit score, my ability to obtain credit, and my reputation. VW Credit has had more than enough time to correct or delete this information. According to the FCRA they continue and knowingly are in violation and can be held accountable for actual and punitive damages. 

I have asked the creditor to provide physical proof and verification of the payment history on numerous occasions and they have failed to verify this information but continue to report it inconstantly to the credit bureaus. It obliviously cant be correct and verified when it keeps changing and is not being reported the same to all bureaus. 

The last payment that they are reporting was made from XXXX XXXX on a payoff. It was based on a 10 day payoff and was submitted in plenty of time to be on time and should not be showing late. 

I demand that these specific and unverified information be corrected immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XXXX XXXX to remove personal information that I don't want on my credit report. The tracking numbers are XXXX, XXXX, XXXX. According to the Fair Credit Reporting Act 12 USC 1681, I have the right to privacy. Also according to the Fair Credit Reporting Act 15 USC 6802, no financial institution is supposed to share my personal information to any third party people. These are clear violations of my federally protected consumer rights.
Product: Credit reporting 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get these negative items investigated and removed off my credit report because I have no knowledge of these accounts. The credit bureaus Equifax, XXXX, XXXX have deleted the accounts which confirms that the information is incorrect. However they placed the items back on my credit report.
Product: Credit card

I gave Notice of Subrogation, over the phone the other day to XXXX XXXX at NAVY FEDERAL. I love you all! Unjust enrichment is not fair nor equitable. Subrogation is a form of equity and subrogation is right, subrogation not an opportunity. Equity is recognize by the U.S. Constitution article 3 subsection 2 paragraph 1. I certify my right to subrogation and substitution. Being that I am the subrogee and the implied surety, I was not primarily liable for the debt but tendered all consideration but not a volunteer and performed under legal compulsion to discharge a debt by subrogee. I the subrogee is now entitled to benefit from all collateral which the creditor held as security ; and since I am secondarily liable, I am entitled to be subrogated to the rights of the creditor against the person primarily liable. Internal Revenue Service will be notified if the matter is not settled. This is unjust enrichment, and usurpation. A writ of quo warranto lies against you to prevent malversation and peculation. So, whenever a surety, or other person secondarily liable, discharges a debt, he is entitled to the benefit of all collaterals or liens which the creditor held as security, and the person secondarily liable is entitled to be subrogated to the rights of the creditor against the person primarily liable. Equity regards the payment by the surety, or other person secondarily liable, as equivalent to a purchase of the creditor 's rights, equities and collaterals as against the debtor primarily liable, ( Surety ) pays a debt, or discharges an encumbrance or lien, being under legal compulsion so to do, he will in Equity be substituted to all of the creditor 's rights against the person primarily liable. Where a surety discharges the debt or obligation of his principal Where any person, for his own protection, or the protection of some interest he represents, pays a debt for which another is primarily liable. Definitions from business guides dictionary of banking terms. Collateral means Asset pledged as security to ensure payment or performance of an obligation. In bank lending, it is generally something of value owned by the borrower. If the borrower defaults, the asset pledged may be taken and sold by the lender to fulfill completion of the original contract. Paper negotiable instruments and title documents. Security. Personal asset or property that can be pledged as collateral ; a good faith GUARANTY by a co-maker to pay an obligation if the borrower defaults. ( account was settled ) Equity. Value of stockholders ownership interest in a corporation after all claims have been paid, and thus a claim in its assets in proportion to the number, and class, of shares owned. Substitution. Replacement of one creditor by another, also known as subrogation. Subrogation. Substitution of one creditor for another in settlement of a claim or obligation, or transfer of ownership, as when a mortgage is sold in the secondary market. I love you all!

The two accounts numbers are xxxx xxxx xxxx XXXX xxxx xxxx xxxx XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is one of SEVERAL requests and my FINAL WARNING and I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigations, you stated that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be FULLY verified with proof of signature or removed immediately. 
*************************************************************************************************** ACCOUNTS : XXXX. XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX ADDRESSES : XXXX. XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Credit reporting or other personal consumer reports

Experian is reporting several name and addresses that are not mine. I do not know how this information was reported when I have never lived at these addresses and you have purposely misspelled my name. 

Names : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never lived at any of these addresses and I do believe your incorrect reporting is costing me thousands in damages due to you not reporting correct information. 

Remove all these phone numbers they do not belong to me and the employers. 

This information is costing me thousands.