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

On XX/XX/2022 CAPIO added a derogatory mark on my credit report per XXXX. upon further research, this account was transferred/sold and i am no longer responsible for the account. debtor creditor did not verify this collection. also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA CAPIO has violated my rights as a consumer and i'm requesting legal action to remove this account immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

These are ALL the UNAUTHORIZED HARD INQUIRIESON MY REPORTS that were NOT AUTHORIZED BY ME NOR DONE BY ME ; XXXX  XXXX-Inquired on XX/XX/XXXX XXXX  XXXX-Inquired on XX/XX/XXXX XXXX  XXXX-Inquired on XX/XX/XXXX XXXX-Inquired on XX/XX/XXXXXXXX XXXX XXXXInquired on XX/XX/XXXXXXXX XXXX XXXX-Inquired on XX/XX/XXXXXXXX XXXX XXXXInquired on XX/XX/XXXX XXXX XXXX XXXX-Inquired on XX/XX/XXXXXXXX XXXX-Inquired on XXXX XXXX, XXXX XXXXInquired on XX/XX/XXXX XXXXXXXX XXXX-Inquired on XX/XX/XXXX XXXX XXXXInquired on XX/XX/XXXX XXXX XXXXInquired XXXX XX/XX/XXXX XXXX-Inquired on XX/XX/XXXX XXXX XXXX XXXX-Inquired on XX/XX/XXXX XXXX XXXX XXXX-Inquired on XX/XX/XXXX XXXX XXXX FI-Inquired XXXX XX/XX/XXXX XXXX XXXX-Inquired on XX/XX/XXXX XXXX XXXX XXXXInquired on XX/XX/XXXX XXXX-Inquired on XX/XX/XXXX XXXX-Inquired XXXX XX/XX/XXXX XXXX XXXX-Inquired on XX/XX/XXXXXXXX XXXX XXXXInquired on XX/XX/XXXX XXXX XXXXXXXX XXXXInquired on XX/XX/XXXX XXXX-Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXInquired on XX/XX/XXXX XXXX XXXX-Inquired on XX/XX/XXXXXXXX XXXXInquired on XX/XX/XXXXXXXX XXXXInquired on XXXX XXXX, XXXX XXXXXXXX XXXX XXXX-Inquired on XX/XX/XXXX XXXX XXXX XXXX-Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX-Inquired on XX/XX/XXXX XXXXXXXX XXXXInquired on XX/XX/XXXX XXXX XXXX-Inquired on XX/XX/XXXXXXXX XXXX XXXX-Inquired on XX/XX/XXXXXXXX XXXX XXXX-Inquired on XX/XX/XXXX XXXXXXXX XXXX-Inquired on XX/XX/XXXX XXXXXXXX XXXXInquired on XXXX XXXX, XXXXXXXX XXXX-Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX-Inquired on XX/XX/XXXX XXXX
Product: Bank account or service

Wells Fargo had sent thru charges on today and back dated the charges. I had made a deposit into my business acct yesterday and later that day transferred most to my personal acct. this was on the XXXX. I went by my bank this morning and withdrew some of the funds and both the business and personal were in good standing this morning on the XXXX Sometime after I left the bank this morning after making a withdrawal, somehow Wells Fargo debited my acct and posted the debits for the XXXX which is the prior day and said I had bounced the acct. how can a bank on the XXXX during the day back date a charge and post to my acct the prior day and make the acct negative. The bank stated that it was the transfer of funds to my personal acct from the business is what bounced and I advised the bank rep that I did this transfer online and it will not allow me to transfer more money than is in my acct into another. It will only allow you to transfer the amount u have available when transfer online. This is the second time this has happened in the last 4 months. I have also had issue with Wells Fargo mailing me back an nsf check I ran thru the business acct from a customer. They refuse to provide or give me a negotiable copy of the check I deposited that they state is nsf so I can go back to my customer to obtain the money due to me the last several months that Wells Fargo has refused to send back that negotiable check that I gave them or a negotiable copy. The only thing Wells Fargo has been willing to do is make a xerox copy and give to me that is NOT negotiable. What use is a copy of a non negotiable check. As far as the issues today, they have stated the charges are correct and that I bounced the acct and not their problem. As a customer of the bank, I am very worried about what they are doing as this can not possibly be legal. If was then every bank could just randomly do the debits and back date to whenever to help with their bottom line and fees they would like.
Product: Credit card or prepaid card

On XX/XX/2022, I unknowingly made a purchase on a fraudulent website which had no intention of ever sending out the product I purchased. Upon reading of other people having the same experience, I canceled my order. The company sent me a fake cancellation email, and did not refund my purchase - documentation that I informed Discover that I had, and would have been happy to provide. I contacted Discover Bank today, XX/XX/XXXX, where after being transferred 4 times to different agents, the representative told me that Discover would not be continuing with a chargeback, because it was not the result of identity theft. The agent proceeded to tell me that I should resolve my issue with the merchant by " complaining about it online ''. This is in violation of the Fair Credit Billing Act regarding disputing a charge for a good or service that one did not receive as a billing error.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

American Express accounts under my name were taken over and fraudulently used by a criminal organization without my consent or authorization. I filed a police report back in 2017 due to the nature of the complaint and the detective needed various proof of information that took me over 15 months to gather to finalize the police report. I have tried to resolved the matter with American Express with no luck. Then 2 months ago I filed a XXXX  complaint for them to respond which they never did. Now I am trying through the CFPB portal to resolve these debt and learn them out of my name. I was a victim of identity and fraud and don't understand why I had to jump through hoops being protected by my credit card companies in these matters. 

POLICE REPORT NUMBERS XXXX XXXX XXXX Detective XXXX XXXX XXXX
Product: Vehicle loan or lease

I want to require Santander Consumer USA to verify account XXXX and send me proof that they, when extending my credit, used their own funds to pay for the XXXX XXXX XXXX XXXX. I demand proof, not the contract, I demand proof that they paid for my property with their own funds, I want a receipt for said transaction. Because I spoke to them and their agent alleges that they paid for the property with their funds. I want reliable evidence. Their representative rectified that they paid for the property with their own credit and with their own funds. If this is so, I demand that the credit transaction be verified, not the contract, the credit transaction that shows that they used their credit or their funds to pay for my property THE BANK CAN NOT LOAN CREDIT Law of Truthfulness in Loans, Jurisprudence and Regulation Z The Truth in Lending Act was passed to prevent unsophisticated consumers from being misled as to the total cost of financing. Truth in Lending Act, Section 102, 15 U.S.C. Section 1601. Griggs v. Provident Consumer Discount. 680 F.2d 927, certiorari granted, annulled 103 S.Ct. 400, 459 U.S. 56, 74 L.Ed.2d 225, in return 699 F.2d 642. 

" In federal courts, it is well established that a national bank is not empowered to lend its credit to another by becoming a guarantor, guarantor or guarantor for it. '' Farmers and Miners Bank v. Bluefield Nat'l Bank, 11 F 2d 83, 271 U.S. 669.

" A national bank has no power to lend its credit to any person or corporation. '' Bowen v. Needles Nat. Bank, 94 F 925, 36 CCA 553, certiorari denied at 20 S.Ct 1024, 176 US 682, 44 LED 637.

" It has been established beyond all controversy that a national bank, by virtue of federal law that limits its powers and capacity, can not lend its credit by guaranteeing the debts of another. All contracts of this type entered into by its officials are ultra vires " Howard & Foster Co. v. Citizens Nat'l Bank of Union, 133 SC 202, 130 SE 759 ( 1926 ). 

" It is not within those statutory powers that a national bank, even if it is solvent, lends its credit to another in any of the various ways in which it could be done. '' Federal Intermediate Credit Bank v. L 'Herrison , 33 F 2d 841, 842 ( 1929 ).

" A bank can lend its money, but not its credit. '' First Nat 'I Bank of Tallapoosa v. Monroe , 135 Ga 614, 69 SE 1124, 32 LRA ( NS ) 550.

" ... the bank is authorized to lend money as personal guarantee ; but it must be money what it lends, not its credit. '' Seligman v. Charlottesville Nat. Bank, 3 Hughes 647, Fed Case No. 12, 642, 1039.

" The contract is void if it is only partly connected with the illegal transaction and the sole or complete promise. '' Guardian Agency v. Mutual Guardian. Savings Bank, 227 Wis 550, 279 NW 83.

" Banking associations, by the very nature of their activity, are prohibited from lending credit. '' St. Louis Savings Bank vs. Parmalee 95 U. S. 557
Product: Mortgage

In XXXX XXXX we were contacted by our Mortgage servicer stating we had missed XXXX mortgage payments XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. We acknowledged missing XXXX of those payments, XXXX XXXX. We submitted our checking account balance activity for the period of time that the missed payments were to have occurred. We also included photocopies of the endorsed checks stamped by the mortgage company showing they were deposited into the mortgage company 's XXXX XXXX account. We submitted a written qualified request XXXX XXXX, XXXX requesting a researched answer to the amount in arrears. We also have paid {$800.00} towards the amount we believe we are behind. Nationstar acknowledged receipt of this letter XXXX XXXX, XXXX and said they had 30 days to respond but most likely would have an answer within 7-10 days. We have yet to receive an answer from their research department. We 've received several other confusing communications from them. XXXX XXXX, XXXX I sent another letter requesting a researched answer. We assert our overdue amount is {$1800.00} of which we have already paid {$800.00} of. Our figure represents XXXX missed payment {$1300.00} for XXXX XXXX and 10 months of late fees {$410.00}. 
The confusing communication from Nationstar has included saying our overdue amount is anywhere from {$5500.00} to {$2900.00}. We received communication saying we have varying amounts in unapplied funds. We 've received communication stating they are returning funds to us- though those amounts have been deposited by Nationstar XXXX Also their communication states we face acceleration and possible foreclosure. It seems like the left hand does n't know what the right hand is doing. As soon as we were made aware of this issue we have researched and done our best to become current. This lack of a researched answer to our dispute has caused distress and anxiety.
Product: Credit reporting or other personal consumer reports

XX/XX/year> my name is : XXXX XXXX XXXX FACTS : EXPERIAN HAS MY # XXXX XXXX POLICE Identity Theft Report & Fraudulent Schemes and Artifices charges against XXXX  XXXX. 
FACT : Delete all other fake names : XXXX XXXX, XXXX XXXX XXXX is IDENTITY THEFT FACT : I am a victim of identity theft. I am a victim of Experian, XXXX, XXXX, SSA, IRS Data Breaches. 
These are all facts listed below : 1. EXPERIAN refuses and violates Federal Law FCRA to mail me USPS my updated credit report and INCREASED free credit score. 
2. EXPERIAN refuses to OPT me out of sharing my information. I DEMAND permanent opt out, do not share my information. 
3. EXPERIAN refuses to honor my Permanent SECURITY FREEZE, PERMANENT FRAUD ALERT, PERMANENT OPT OUT and is allowing erroneous companies to illegally spy on my credit report causing IDENTITY THEFT. 
4. I DEMAND EXPERIAN DELETE ALL SOFT AND HARD INQUIRIES, ALL COMPANIES HAVE NO PERMISSABLE PURPOSE TO HIT MY CREDIT REPORT WITHOUT MY AUTHORIZATION OR A COURT ORDER. 
5. EXPERIAN ON RECORDING, ADMITS TO SEARCH THE DARK WEB AND POST FAKE INFORMATION ON EVERYONE 'S CREDIT REPORT IS ILLEGAL. 
6. I DEMAND MY UPDATED EXPERIAN CREDIT REPORT WITH NO ERRORS. FCRA. 
7. Experian is to mail USPS my Experian credit report with updated score to my address listed here in my CFPB complaint.
Product: Debt collection

After reviewing my XXXX credit report I was very concerned to realize that I had negative items listed that are all medical debt from the same company FMS Inc with the original debtor showing XXXX. I immediately contacted XXXX and was told they did not have any services rendered to me with a balance owed ( I am including documentation ) which shows any services I had have a XXXX balance and that had if had any services ( Which I did not ) they would have been fully covered insurance. This leads me to believe either this is a matter of identity theft or someone else 's information reporting to my report. I have struggled to navigate through the muddy water of removing these medical debt inaccuracies on my credit report which continue the negatively impact my overall credit. I have never received any communication from FMS Inc stating that I owe the debt nor have they legally validated the debt after several disputes with FMS Inc. as well as XXXX & XXXX I have had continuous medical insurance with my employer since XXXX through XXXX as well as dual coverage from my husband which is a XXXX service member through XXXX. This is also validated through XXXX the original debtor which I am including in documents ( this would leave no reason for an unpaid medical bill ). I have disputed the validity of this debt with XXXX and Fms Inc. multiple times. I do n't know how The credit bureau 's or FMS Inc could accurately or fairly verify the accuracy of this debt and still remain within HIPPA laws. XXXX was unable to validate anything was owed which I am attaching Billing info as documentation. I am including my history with XXXX, My Insurance Info and everything else that should allow XXXX the promptly remove these inaccuracies from my report. I feel very violated that I even need to provide my medical history to show that I have not had services unpaid through XXXX. 

All account posted to credit bureau on the same day. on XXXX FMS XXXX XXXX/XXXX/XXXX {$3900.00} XXXX Debtor XXXX FMS XXXX XXXX/XXXX/XXXX {$2500.00} Origianl Debtor XXXX All account posted to credit bureau on the same day.XXXX FMS XXXX XXXX/XXXX/XXXX {$3900.00} Origianl Debtor XXXX FMS XXXX XXXX/XXXX/XXXX {$2500.00} Origianl Debtor XXXX FMSXXXX XXXX/XXXX/XXXX {$460.00} Origianl Debtor XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

An entity called XXXX pulled my entire Paypal balance of {$46.00} on XX/XX/year>. I filed a dispute with Paypal and they said that the payment was pulled through XXXX XXXX and denied a refund. I have a business profile on XXXX using the email address : XXXX. I really do not use this account and I was not logged on at all on XXXX. I did not authorize this. Paypal terminated the autopay but did not refund my money. They said I needed to go to XXXX. Going to XXXX I followed the instructions to get to my Professional Dashboard, settings, XXXX XXXX and I find screens where I could file a dispute but the links take me to Paypal.com. Paypal.com did not load. It appears their site is crashing, possibly because of an overload of disputes. Paypal says that XXXX is an associated company but frankly, I was talking to a customer service rep and she was not that certain. I have copies of my Paypal Account and the dispute emails. I have a feeling this is a broadscale fraud. 

Paypal case number : XXXX XXXX XXXX : XXXX
Product: Debt collection

The company has violated many of my consumer rights. Pursuant to 15usc 1681 ( XXXX ) sharing my information without my direct consent, 15usc 1692 ( e ) false or misleading representation. 15usc 1692 ( f ), 15usc 1692 ( c ) the company never validated any debt, 15usc 1692 ( f ) unfair practices, 15usc 6801 the company violated my personal information. All of these violations negatively affected my consumer reports as well as my well being.
Product: Money transfer, virtual currency, or money service

XXXX on XX/XX/XXXX Ive contacted no response to get my money back from this unauthorized transaction
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

My husband and I recently divorced. Our mortgage loan was XXXX of our names. I was awarded our home in the divorce settlement. I have been trying to refinance the mortgage in my name only with my local credit union. Our current mortgage is with Sovereign Bank/Santander. Ever since Sovereign Bank bought our Mortgage from another company, we have been having problems with them. I took over our mortgage payments in XXXX of XXXX. My ex-husband had been paying them previous to that. My ex-husband 's last payment was made on XXXX XXXX, XXXX. He was up to date on all payments and had not missed a payment up until that time. He did not give me the financial information to start making the payments myself until the middle of XXXX of XXXX. To make up for the payment due in XXXX, I made XXXX payments to Sovereign Bank to make up for it, XXXX on XXXX XXXX, XXXX and XXXX on XXXX XXXX, XXXX. From that point on, I have made every payment on time and in full. However, Sovereign Bank keeps charging me a late payment fee of {$28.00} each month because they claim that I am missing a payment somewhere, but can not show when the missing payment was. I have a printed copy from them showing each payment from XXXX XXXX, XXXX through XXXX XXXX, XXXX and a copy of my ex-husband 's and my own bank records showing our payments and neither show any missed payments. They also show a fee called " Conversion Unknown '' with a code of XXXX for {$740.00} on XXXX XXXX, XXXX. I have no idea what that is. I also get a fee with the code of XXXX or " Unapplied Funds '' that they have n't explained and another code of XXXX that is n't explained on their list of " Transaction Codes ''. I have tried to access their online mortgage services that I have previously used to contact them and for the last four months the site says that they are experiences technical difficulties and ca n't respond. I have had
Product: Debt collection

In review of my credit file, I noticed a collection account. The account is in the amount of {$730.00}. I have written the collection company to validate the debt in XX/XX/2020, but have not received an response. It has been over 30 days.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 
3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXXXXXX  Delete From My CREDIT REPORT 4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  Delete From My CREDIT REPORT 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXXXXXX, FL XXXX 6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 7. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.