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

The dealership that i bought my car from was involved in fraudulent activity as well. After reading the court documents i was made aware that there are 2 unknown files that were submitted to santanders financial department and i am sure they are aware and have involvement with this matter. I am asking for the both files that was submitted to the financial department at santander and not the tampered information that was falsely given to them. If this matter is not cleared within 30 BUSINESS DAYS, I will move forward with civil action also. Furthermore, Santander participated and defrauded me as well as millions of others by exposing me to unnecessary high levels of risk through high loan to value ratios, significant backed fees, and high payment to income ratios. Santander also participated in fraudulent activity with the dealership by turning a blind eye to dealer abuse and failing to meaningfully monitor dealer behavior to minimize the risk of receiving falsified information, including the amounts specified for consumers incomes and expenses. Due to the fraudulent activity involved with the dealership and Santander of mishandling and deceptive servicing practices from BOTH parties my vehicle was ultimately repossessed. I am asking Santander to please release me from all financial and legal obligation for the deceptive servicing practices and delete all information from all consumer reporting agencies and three credit bureaus that it has been illegally sold and reported to. Santander is also reporting misleading information on my credit report in regards to recent payments that have been made to them. There has not been any recent payments or communication with santander in regards to the charge off.
Product: Credit reporting or other personal consumer reports

The accounts listed below are fraudulent and are negatively impacting my credit report. I have reached out to the creditors, credit bureaus, as well as the reporting agencies on numerous occasions to request debt validation as well as a signed purchase agreements to show legal verification and full ownership of the accounts. I have yet to be provided with any of that information from either the creditor, credit bureaus or reporting agencies who have also verified the information as accurate/correct. The accounts are XXXX XXXX XXXX, XXXX, and XXXX XXXX. On XX/XX/XXXX I spoke with XXXX id # XXXX from Transunion and she told me that I would receive a call back within XXXX hrs. I never received that call back. On XX/XX/XXXX I spoke with XXXX from Transunion, who refused to give me her ID # or last name, also told me that I would receive a call back within XXXX hrs. I tried to explain to her that I would prefer another option than the call back because I never received the last one. She then hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are tied to my name but I have nothing to do with this.

XXXX XXXX  XXXX   CARD XX/XX/XXXX {$5300.00} XXXX XX/XX/2006 {$620.00} XXXX XXXX XXXXXX/XX/XXXX {$24000.00} XXXX XXXX XXXX XXXX   XX/XX/XXXX{$18000.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$20000.00}
Product: Debt collection

LVNV Funding LLC is garnishing my wages in the amount of {$4300.00} for a debt that is not validated. I submitted a request for debt validation on XX/XX/2024 per 15 USC 1692 g and still my wages are being garnished even though this debt is in dispute. I sent XXXX XXXX, the president of LVNV Funding, via certified mail, UCC-11 search results and certificate which state that I am not a debtor. There has been no validation of debt and there is no proof of any contractural agreement between myself and LVNV Funding LLC.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XX/XX/XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX Subject : Dispute of Unauthorized Hard Inquiries Dear Sir/Madam, I am writing to formally dispute the following unauthorized hard inquiries listed on my credit report : XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XX/XX/XXXX I did not authorize these inquiries and request that they be removed from my credit report immediately. Enclosed, please find copies of my credit report with the unauthorized inquiries highlighted for your reference. 

In accordance with the Fair Credit Reporting Act, I request that you investigate these unauthorized inquiries and provide written confirmation that they have been removed from my credit report. Should you need any additional information or documentation to proceed with this request, please contact me at your earliest convenience. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a dispute with XXXX regarding a My XXXX XXXX Visa credit card account ending in XXXX. XXXX filed suit against me in the State Court of XXXX County and the case was settled out of court before trial. XXXX agreed to remove this account from my credit report. I submitted a dispute with Experian and the supporting documents from XXXX XXXX attorney of where XXXX agreed to remove the account. I received the results back today and the item remains on my credit report and Experian refuses to remove the account from my credit report even though the creditor agreed to remove the account from my credit report.
Product: Debt collection

Systematic National is not licensed to collect in my state of Utah. This is reporting on my credit and they are trying to collect this debt from me in Utah ... Even though they have not sent me validation of the debt.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN BUSINESS CRED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this XXXX and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed however, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has already been closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file. 

XXXX  XXXX
Product: Checking or savings account

Ive contacted you several times regarding the double charging on my account, the bank response was that they were within the limits of online purchases and the second charge was charged back to my account. According to the fair credit billing act it protects me from these unnecessary charges because I didnt receive anything for the second charge and it was the wrong amount charge. This is a law that governs compensation for being overcharged then it was charged back at a later date which could have put my account in a negative balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report a few months ago around XX/XX/XXXX and notice a fraudalent account that being falsely misrepresented on my credit report. I contacted this company via phone and also wrote letters.I sent numerous letter, one dated XX/XX/XXXX. Another on XX/XX/XXXX and most recently I sent a letter dated XX/XX/XXXX certified mail. The company reporting this is XXXX BANK NA and they are using EQUIFAX and XXXX. There is also a unknown fraudalent hard inquiry on my Equifax report, please remove this XXXX. This inaccuracte and false reporting has caused me great harm in my life, it has prevented me from getting apartments and access to credit. This fraudalent account is still being reported on my Equifax and my XXXX credit reports. Please help me resolve this manner I dont know what else to do. 
Thank you, XXXX XXXX XXXX
Product: Credit card or prepaid card

I have an American Express card that is shared with my partner, XXXX. XXXX has used this card for XXXX purchases in the past. 

Over the last several months, we have noticed charges for " XXXX XXXX Downloads ''. The amounts for these charges have varied over the past year when they happen. The bulk of them have been accompanied with a reverse charge at a later date, but not universally until the last several months. American Express links in their online statement to XXXX, but with insufficient detail to reach the transaction in question. 

On the XXXX side of the equation, XXXX disclaims any knowledge about these charges and is unable to locate anything about them in their system. 

XXXX 's card number has been compromised at least once in the last year requiring a new card to be issued. American express did not require any repayment of the suspicious charges. 

I am concerned that these unexpected charges that can not be confirmed by XXXX are actually a third party spoofing XXXX rather than XXXX itself. In an attempt to get further information after no resolution over chat, I submitted a charge reversal for XXXX of these charges ( charge transaction date XX/XX/2023 ). American Express responded on XX/XX/XXXX ( ref # XXXX ) that they would begin investigating the issue. 

American Express responded on XX/XX/XXXX ( same ref # ) that they've closed the dispute. " We gthered the attached documentation we needed to explained this charge, and we've determined you're responsible for the amount in question ''.
Product: Credit card or prepaid card

Dear Citibank, I am writing to dispute and seek the discharge of my credit card debt with your institution. As I have been researching my legal options in regards to my debt, I have come across a legislative act th

at may provide me with the means to discharge my debt entirely. The act is known as HJR 192.

HJR 192 is a joint resolution that was passed by the U.S. Congress on XX/XX/XXXX. This resolution was put in place as a response to the economic turmoil of the Great Depression and sought to address issues of debt and inflation. The resolution was intended to provide a way for individuals to discharge their debts without using traditional forms of currency, such as gold or silver. 
Under HJR 192, all obligations, including debts, were to be discharged by the government. This meant that individuals were no longer required to pay their debts with traditional forms of currency. Instead, the government would provide a way for debts to be discharged using a new form of currency known as " United States notes. '' Although HJR 192 was ultimately repealed in XXXX, its provisions remain relevant to this day. Many people have successfully used HJR 192 to discharge their debts, including credit card debt. By doing so, they were able to free themselves from the burden of debt and start anew.
Product: Credit card

Ensuring payments are always on time for this account has been a priority, avoiding any instances of overdue payments. I'm unclear about the reasons behind the presence of late payment remarks on my accounts. Referencing 15 USC 1666b - Billing Error, necessary corrections should be made.
Product: Vehicle loan or lease

In XXXX of last year, after being released from the hospital, I contacted Honda and informed them of my XXXX  
However, they have continued to collect payments from me.
Product: Checking or savings account

Issues with Chime banking : on Saturday, XX/XX/XXXX a payroll check was deposited via mobile deposit in the amount of {$690.00} - the check was accepted without immediate notification of the funds being held or the option to cancel the deposit due to fund a being held ( for instance - if I had known they were going to hold the funds I could have gone to the bank the store utilizes ). Upon calling Chime I was informed that since they accepted the check it would be held until XXXX to ensure the check doesn't bounce. On XXXX deposited another paper check via mobile deposit for {$930.00} again, the check was accepted without notification of funds being held- until after the check was accepted while waiting for the direct deposit to begin on XX/XX/23. Again, the payroll check is being held. I have called Chime twice now, the first time I was told they hold 30 % of checks deposited via mobile deposit are subject to be held to accept more checks via the app. When I called the second time regarding the second check Chime claimed that the payroll provider did not have the bank name on the check, they do, it is a local bank called XXXX XXXX. Chime is holding nearly {$1700.00} in payroll funds. Chime stated they have accepted my check but claimed it is a system issue and no one can simply call the bank to verify funds. They also told me the only way to access my funds would be to have the owner put a stop payment on both checks and reissue another check that I then could take to another bank. Meanwhile, I can not access the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB, XXXX, XXXX, Equifax, This is a brand new complaint as I just received a brand new letter on XX/XX/2022 from XXXX XXXX XXXX XXXX XXXX XXXX XXXX - CFPB complaint # XXXX As per the letter attached to this CFPB complaint by XXXX XXXX XXXX XXXX XXXX XXXX ) please remove the below collection account from my credit reports immediately : Creditor : XXXX XXXX XXXX XXXX XXXX 
Account # : XXXX Attached to this complaint are : - My drivers license - My social security card - My current address - My letter to have this removed - The letter from the creditor, XXXX XXXX XXXX XXXX Please have this handled as soon as possible as this is affecting my credit and I am buying a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent dispute letters to the three major bureaus, XXXX, XXXX, and Transunion dated on XX/XX/2022. These letters were sent certified mail with a return receipt. 

The return receipts were stamped on : Transunion XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022. 

I sent a 30 Day No Response Letter on XX/XX/2022 ( for XXXX ) and XX/XX/2022 ( XXXX & Transunion ). They all were stamped received on XX/XX/2022 According to FCRA, the bureaus have 30 days to respond to my dispute letter. That did not happen and now they are refusing to remove the unverified accounts. 

I would like the accounts that were not received within 30 days to be removed permanently from my report.
Product: Credit reporting or other personal consumer reports

15 USC 1681Q- Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

15 USC 1681b. Permissible purposes of consumer reports. A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. 

XXXXXXXX XXXX XXXX ( LATEPAYENT ) Account # XXXX PLease Help me correct this late payment and remove/deleted. 

XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX account # XXXX XXXX  Account # XXXX THESE ACCOUNTS WERE OPEN WITHOUT MY PERMISSION OR CONSENT PLEASE HELP ME REMOVE/DELETE THIS ACCOUNTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute Account Name XXXX BANK with XXXX XXXX XXXX EQUIFAX and XXXX for over a year of back and forth disputes to remove this off my credit report. This has cause so much frustration and stress especially over the pandemic and I am now ready to take legal action as I have the evidence to prove that the credit bureau are doing nothing to help remove this collection that does not belong to me off my credit. 

I previously requested that you provide original contracts for the items that I previously disputed that are listed above. I have reason to believe they have illegal collection fees not explicitly agreed to or expressed in my original contract with the original merchant. 

Please DELETE any accounts that you can not provide the original contracts for that show the lawful collection fee amount I asked full validate the reported information below and remove anything that you can not provide signed, original contracts for that correlates to the accounts in question. I asked for this back in XXXX and you still have not provided this information which I was going to use in court. Now this this affected me finding a place to live I am going to everything I can to ensure this is fixed even if I have to take the above credit bureau mentioned. I will again include the signatures of the people involved in the initial cases. 

I request and demand once again with the CFPB that this account is removed off my credit report. 

you must delete the items from my credit report. You are required to do this under the FCRA XXXX provisions. Also, I would like an updated copy of my credit report once this investigation is complete. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with this for so many months. I ask that you please review my case carefully and understand that I am looking for a resolution where this account is deleted.
Product: Debt collection

On XX/XX/2024 I wrote the following to Amsher Collection Services : I am writing to request validation of an alleged debt that appears on my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive verification and validation of any debt that is being reported or collected. 

Please provide the following information to validate the debt in question : 1. The original Assignment Contract 2. A detailed accounting of the alleged debt, including a breakdown of the principal, interest, fees, and any other charges.

3.Proof that the debt belongs to me and is not a result of identity theft or fraud.

4. Any other documentation that proves your legal right to collect this debt. 

Please consider this a formal dispute of the debt until you can provide the requested validation. I request that you cease all collection activities until this validation is completed. If you fail to provide adequate validation, I will have no choice but to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities
Product: Money transfer, virtual currency, or money service

I believe there was a mistake that I can no longer do business with PayPal. I am using my PayPal account for my online business selling ebooks and other digital works since 2020, and aside from that using it to received payment from our club members to pay for their dues in our club, and also used to send money from my relatives abroad as gift. I withdraw immediately because I need to transfer and pay for some items I bought locally. I am hoping that PayPal will lift the limit on my account XXXX and continue to do business with them. Thank you and God bless. 
For identification, I am attaching my valid ID. Please see attachment.
Product: Mortgage

Hello, I am was under the impression that my loan modification was going to deffer my payment to the end of my loan. Instead I noticed that I have been charged interest the last year on my mortgage and know they are saying I own more money then one year ago.
Product: Debt collection

THE COMPANY NEVER RESPONDED TO THE PROOF OF DEBT REQUEST AND HAS YET TO REMOVE THE DEBT FROM MY CREDIT REPORT, RESULTING IN A VIOLATION OF MY RIGHTS UNDER THE FAIR CONSUMERS CREDIT ACT.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. The TransUnion Credit Bureau is reporting inaccurate information on accounts below ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

( XXXX XXXX XXXX XXXX, THE BUREAUS XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is trying to collect on behalf of XXXX XXXX XXXX XXXX for an unknown debt. XXXX XXXX XXXX has not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter on XX/XX/2020 demanding payment. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from the credit bureaus after requesting a REINVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation. This negative account in the amount of {$1200.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCP.
Product: Debt collection

On Tuesday XX/XX/XXXX American Express collections department called one of my relatives numbers. Upon answering, the debt collector released all information regarding my account to the individual.
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 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: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I received in the mail an offer from Big Picture Loans. They approved me for a {$600.00} loan, and I understood that the interest would come to XXXX. I have come to find out that they want XXXX every week for a total cost of {$4200.00} and {$3600.00} in interest ( 665.2037 % ). Had I known this was the case, I would never have agreed to the loan.
Product: Debt collection

My old apartment complex has been claiming for years that I did n't give them enough proper notice of vacating the apartment I lived in at the time. Well I responded in writing to the request of lease renewal but they claim that they either never received it or received it after the due date ( I forget which one because it has been a while ) I was being Separated from the XXXX semi-voluntarily and semi-not so much at the time and did n't have proper time to respond to these ridiculous claims. Though I do remember receiving an invoice a while after I got settled in Connecticut and I saw that they were even charging me for things they claimed they were n't going to ( removing left behind furniture, etc ). 

Bottom line : I know I 'm in the right and I flat out REFUSE to pay for a months worth of rent PLUS interest that 's surely collected by now for an apartment I was n't living in. I just hope this is enough to get the deed taken care of because this illegal action needs to be removed from my Credit Score and Report.