23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

on XXXX : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX via Notary Public sent Registered Mail RA XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX for Gateway Financial Solutions the 1st Mailing for Tender of Payment and private administrative process with notarial protest see attached pdf files titled 1 ) 1st Mailing Tender of Payment, 2 ) 2nd Mailing Billing Error and 3 ) 3rd Mailing Certificate of non-response. 

The instrument tender was refused as XXXX XXXX XXXX In-House Counsel for Gateway Financial Solutions responded : " My purported instrument is not a valid form of payment. '' Yet the instrument was not returned. 

On XXXX and XXXX I received letters form XXXX XXXX XXXX In-House Counsel for Gateway Financial Solutions requesting this estate to accept his letter as confirmation of receipt of my documents. Both letters failed to provide the requested certified 3rd party account audit. Both letters claim that I am in default of the terms of the contract. 

The terms of the contract Notices " Any Holder of this consumer credit contract is subject to all claims and defenses which the debtor could assert against the seller of goods or services obtained pursuant hereto or with the proceeds hereof. Recovery hereunder by the Debtor shall not exceed amounts paid by the Debtor hereunder. '' My rights as a consumer were violated by XXXX of contract and non response to my Billing Error and request for investigation. According to Consumer law the required notices for permissible purpose was not sent to consumer. Furthermore, 12 CFR 226.13 ( d ) where this statute gives the consumer the right to with hold and collection action is prohibited. Yet, GFS II , LLC dba Gateway Financial soultions continued to report to XXXX XXXX and failed to provide requested information regarding the accounting. 

In XX/XX/XXXX my Consumer report was impacted with GFS II , LLC reporting charged off/written off and did not send corresponding 1099 C. 

On date Notice of Release of Payment mailed Certified Mail # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CEO/Registered Agent for GFS II , LLC dba Gateway Financial Solutions and a threat of repossession under terms of the contract was mailed to attorney-in-fact and still no evidence for the requested accounting documents. 

I have suffered credit denials, apartment lease denials due to the false, deceptive and malicious practices of Gateway Financial Solutions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote Equifax numerous letters in regards to inaccurate, incomplete, and unverifiable medical accounts that are reporting on my credit report. 

My first letter went out on XX/XX/2020 The second letter was mailed out on XX/XX/2020 The third letter was mailed out on XX/XX/2020 The fourth letter was mailed out on XX/XX/2020 5th letter was mailed out on XX/XX/2020 I haven't received any notice and response back from Equifax in regards to the medical items that reporting on my credit report and are impacting my credit file. 

This account is not reporting the name of the Original Creditor Name, Date of Last Activity is not correct and has been updated which is not properly correct.
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 revalidate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : 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: Checking or savings account

Opened a business checking account on XXXX XXXX with Citizen 's bank were told the funds would become available in 5 days. called on XX/XX/XXXX to find out if the Funds are Available was told XX/XX/XXXX, I wrote out check on the XXXX for it to come back and bounce on personal account. Tried many times to find out what was going on Called the bank were the check was drawn from they informed me the funds were paid to Citizen 's Bank on the XXXX. As of today XX/XX/2020 Funds still not released and now I am negative on my personal account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please correct the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX Late Dates XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX  XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Kindly ensure the removal of the inaccurate accounts on my credit file as mandated by FCRA 605B. Would you mind verifying the documents? The presence of incorrect listings is causing me distress.
Product: Credit card or prepaid card

Hi, Im writting this report since today I found out JP Chase closed my credit card account for absolutely no reason. What bothers me the most is that it was my favorite account, which I believed I had the best relationship with, I never missed payments, I kept my balance always under the limit, I honestly felt betrayed by this institution. I understand banks have the right to close any account but for no reason is just painful. 

Thank you for reading.
Product: Bank account or service

On XXXX XXXX, I received a fraud alert text message from Wells Fargo. Someone had used my debit card information to spend {$150.00} at XXXX department store. I had my card in my possession, so the thief had actually stolen the information, but not the card itself. I immediately filed an official fraud claim with Wells Fargo, and they were able to discontinue that card and give me the money back, along with a new debit card which I started using the very next day. However, the next time I checked my bank statement I noticed another fraudulent charge on my bank statement for {$410.00} from XXXX XXXX and XXXX, using the same card number, that showed as happening on XXXX XXXX. I again immediately filed a fraud claim with Wells Fargo, and they provisionally put the money back in my account while they investigated. 

Yesterday, I received a letter from Wells Fargo saying they decided that the {$410.00} charge was NOT fraudulent, and they would be closing my claim. They sent a copy of the XXXX XXXX and XXXX receipt, which showed that the thief had bought XXXX {$200.00} gift cards, and scribbled an obviously fake signature. The date of the transaction was XXXX XXXX, a day before I received the Wells Fargo Fraud Notification Text about the XXXX XXXX transaction, but I never received a notification for this transaction and moreover, it did n't appear in my bank statement until XXXX XXXX so I was not able to notify Wells Fargo in a timely manner due to their own system delaying me by over a week. 

I feel that XXXX XXXX and XXXX did not do their due diligence by allowing someone to use a fake debit card without checking identification, and Wells Fargo completely disregarded my value as a customer with their investigation, and I am now using XXXX XXXX available to get my stolen money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am shocked. And my life will not be the same. I can not understand how that happened because I have never had this kind of issues in my life. I found fraud inquiries and I do not recognize them. I want you to delete them once and forever please do it. I am victim of identity theft and my report proves it and also if you manage investigation you will understand.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of fraud and identity theft and have made this known to the 3 credit agencies Trans Union, XXXX, and XXXX. However they are reporting errors on the credit report and profile they have set up for me. 

I have repeatedly asked for evidence of the verifiable proof to support the reporting, but yet again, they have failed to provide me with a copy of any viable evidence submitted by any of these creditors substantiating their claims. These negative events that are being reported by their agency are erroneous and false. Furthermore, I have also requested their method of verification, and they have not complied, which is an additional violation of the Fair Credit Reporting Act. 

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

Hi my name is XXXX XXXX XXXX XXXX XXXX contact the credit bureau about my name and address on my credit report also I send them proof that the names and addresses they have listed on my credit report was not my, I have one name that I have used though out my life and would like this corrected.According to the fair credit laws anything on your credit report supports to be accurate and correct. Names thats not corrected XXXX XXXX XXXX and XXXX XXXX XXXX and addresses that not corrected is XXXX XXXX XXXX XXXX Tx XXXX and XXXX XXXX XXXX XXXX XXXX XXXXXXXX Tx XXXX also removal of all accounts attached to these names and addresses.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance With The Fair Credit Reporting Act XXXX  These Accounts Below Have Violated My Rights. 

Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX  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 just reviewed a copy of my credit report and there are some hard inquiries that I dont recognize. 

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: Credit reporting or other personal consumer reports

XXXX XXXX found me in 6 data breaches by monitoring my email XXXX. the 6 data breaches are : XXXX  Reported XX/XX/XXXX, Not Disclosed Reported XX/XX/XXXX, XXXX Reported XX/XX/XXXX, Not Disclosed Reported XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX and XXXX. I am disputing all of the information due to be incomplete and inaccurate. 

The Address : XXXX XXXX XXXX XXXX XXXX MA XXXX is inaccurate/fraudulent.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and 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 reported in those account to be removed.

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 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!

Delete the late payments from my consumer reports
Product: Debt collection

XXXX. Midland Funding LLC sued me in state court when the debt purchased from XXXX XXXX XXXX  card agreement had a mandatory arbitration clause that Midland Funding did not adhere to. 

XXXX. Midland Funding sued for a debt that exceeded the XXXX statue of limitations for oral and written contracts of XXXX years. 

XXXX. Based on the indenture agreement of the original creditor ( XXXX XXXX XXXX  ) the account was XXXX at the time of charge off per the original creditors securities exchange commission XXXX form. XXXX XXXX XXXX  is backed by the full faith and credit act which nullifies the amount owed and confirms the debt collection agency did not do its due diligence in verifying the debt before sue for cost.
Product: Credit card

There was an issue with my card payment going to my XXXX card with Continental finance. So payment was never late it just got applied to the wrong card. I am currently trying to buy a home and explained that they needed to do this immediately as it dropped my XXXX XXXX XXXX points. They said they only report on a monthly basis and could not help.
Product: Credit reporting or other personal consumer reports

I recently disputed the inaccurate information that was being reported in my public records with Experian. They have refused to review the information that has been attached and updated the information and or remove the information if it is not 100 % accurate. I am now seeking legal advice and Im just going to sue.
Product: Debt collection

I was involved in a XXXX XXXX on XXXX Where an attorney provided some locations for me to get treated at. XXXX XXXX would get paid by the attorney with the accident compensation. XXXX XXXX, the company who money is owed, would check me once for a XXXX and send the bill to my attorney. But after 6-7 years they never contacted my attorney and the collection company went straight to me asking about XXXXXXXX XXXX to be paid. My attorney still sends clients to XXXX XXXX  and doesnt understand why the company never contacted them personally about the debt owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my recent credit report request from XXXX, Equifax, and XXXX and there are several inaccurate account inquires on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires XXXX XXXX  notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. VIOLATIONS OF CREDITORS VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification : XXXX XXXX XXXX XXXX Inquiry occurred twice without my permission and is fraud. 
Address XXXX XXXX XXXXXXXX XXXX XXXX, XXXX  XXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX inquiry occurred twice without my permission and without my Identification. 
Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number ( XXXX ) XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am writing in response to the recent statements I have received from your agency regarding a debt allegedly owed to XXXX XXXX XXXX XXXX. I am disputing the validity of this debt and request that you cease all communication with me in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 

Firstly, I would like to bring to your attention the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, in which it was determined that mere statements are not sufficient evidence of a debt. Therefore, I am requesting that you refrain from sending any further statements as they do not provide adequate validation of the alleged debt. 

Furthermore, I would like to clarify that a cease and desist letter not only prohibits further communication, but it also implies the removal of any mention of this debt from my consumer report. As defined by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681a, communication includes the reporting of information to consumer reporting agencies. Therefore, I expect that upon receipt of this letter, any negative information related to this alleged debt will be promptly deleted from my consumer report. 

In the event that your agency fails to comply with my request and continues to harass and abuse me through improper communication, I want to make it clear that I am prepared to take legal action to protect my rights. Pursuant to the FDCPA, I may be entitled to actual damages, statutory damages, and attorney 's fees. Enclosed is an itemized list detailing the potential costs involved in pursuing litigation for harassment and abuse. 

1. Actual Damages : - Cost of legal representation : $ ________ - Loss of productivity and time : $ ________ - Emotional distress and inconvenience : $ ________ 2. Statutory Damages : - Per violation of the FDCPA : {$1000.00} 3. Attorney 's Fees : - Cost of attorney 's services for litigation : $ ________ Please be advised that this letter is not an admission of any liability on my part regarding the alleged debt. However, I expect your agency to comply with all applicable laws and regulations, including the FDCPA and FCRA. 


Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I have tried to dispute this many times. There's information that is unverifiable. Equifax has not provided me with proof or documentation when I submit a dispute. They just ignore my dispute and close it quickly or they will claim I am a credit clinic. I don't even know what that is. Equifax is being sued for not properly going through with disputes. Now, I am involving my attorney to assist me in this matter.
Product: Debt collection

Portfolio Recovery Associates, LLC ( XXXX XXXX/XXXX ) is saying I owe a debt which I have no knowledge of. I requested that this company send me a validation with my signature on documents and they failed to do so. I have disputed this debt : therefore, until validated with documents bearing my signature your information concerning this debt is inaccurate. Please validate this information and provide me with copies of any documentation associated with this account bearing my signature. Please do n't respond to my request by saying that this account have been verified. Send me copies of the documentation in your file bearing my signature to verify the accuracy of this disputed account. If you do not have any documentation in your file bearing my signature in your file to verify the accuracy of this disputed account then please delete them immediately as required under section 611 ( a ) ( 5 ) ( A ) ( I ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Product: Credit reporting or other personal consumer reports

Ally Auto admitted to sharing information regarding payments/transactions on my credit reports that should not have been shared and are to be excluded from any reports pursuant to the FCRA. The information has yet to be removed and now they are stating it will take another dispute and another 30+ days to remove the information when the original dispute and confirmation that the info would be removed is over 90 days ago.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, the Experian credit reporting agency provide the method of verification for item disputed in my recent compliant. Under the fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C 1681i ), I have the right to know the methods and sources used to verify the disputed information on my credit report. Please provide the following within 4 days of receipt of this letter : 1.The source ( s ) of the information used to verify the disputed items.

2.Documentation or evidence supporting the verification.

3.A detailed explanation of your verification process.

If you are unable to provide this, I request the items in question be deleted from my credit report, as required under FCRA 611 for unverifiable information. Non-compliance will result in legal action for willful and negligent violations of the FCRA.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. These accounts are NOT related to any transaction completed by me.
Product: Money transfer, virtual currency, or money service

I signed into my business account on XX/XX/XXXX and found {$9500.00} fraudulently wired from my account on XX/XX/2024. I contacted Wells Fargo immediately and filed a fraud claim. They told me that they would look into it in the next XXXX days. Money was wired to an unknown account. I am the sole owner of the account and did not authorize this transaction.
Product: Debt collection

I have never done business with this company ( Consumer Adjustment Co ). I do not have any contracts with this company. I have the right to demand to see a signed contract between myself and Consumer Adjustment Co
Product: Debt collection

Companies keep selling my information for a credit card debt that are over 6 years old!