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

I noticed that there were Chargeoffs on my credit report which are not mine. These accounts are not mine and I don't want to report identity theft on my credit report so I wanted these companies to verify this information which is incorrect which is required under FDCPA and FCRA laws. These companies have not responded at all and one company sent me a letter which had no verification whatsoever.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX 

List of Unauthorized Inquiries : 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 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 section XXXX XXXX. States I have the right to privacy.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

They called and said they are collecting for a debt with XXXX XXXX XXXX I advised I did not owe any debts with XXXX. I asked him for proof of the debt and avoided the subject and offered a settlement that was significantly lower then what he was collecting. I told him I would email back. 

I have had dealing with XXXX and I called them. They advised I had no outstanding debt with them. I gave them the date of the debt that was provided and they showed I had a loan with them 2 years after that. They also advised they would not have extended any offer of business with them with an outstanding debt. They advised me to request a validation of debt. 

I called them back and left 2 voicemails requesting a validation of debt. They stopped calling for almost 2 months. Then they started texting saying that I was ignoring them. Again I left another message requesting a validation of debt and they keep texting me saying I am being EVASIVE and they will FREEZE my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

So this is my 5th or 6th asking TransUnion to launch a dispute regarding a few negtive items on my credit report. There has been no sense of urgency to resolve the matter. The dispute results are being verifired as accurate, but I have not been provided with ant documentation of accuracy. Which is a violation of my FCRA rights. NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite three 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 investigations, you stated in writing 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 verified or deleted immediately. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX. I do not want results as verifired as accurate I want proof ( which you should have ).
Product: Credit card or prepaid card

My credit has a mix of mine and my parents personal information
Product: Credit reporting or other personal consumer reports

Santander Consumer USA with the following account information is reporting to the Credit Reporting Agencies as a Charge off since XXXX of XXXX on XXXX with a status of Account charged off. {$32000.00} written off. {$26000.00} past due as of XX/XX/XXXX. However, I have not received a 1099-C which Form 1099-C : Cancellation of Debt is required by the Internal Revenue Service ( IRS ) to report various payments and transactions made to taxpayers by lenders and creditors. These entities must file Form 1099-C if {$600.00} or more in debt was canceled or forgiven. 

Santander is also reporting inaccurate and inconsistent information across the different Credit Bureaus which is a violation of the FCRA.

The amount of late payments are different with each bureau. The status of the account is also different across each Bureau. 

For Example, on XXXX, Santander Consumer USA shows an original balance of {$36.00}, XXXX with a last payment date of XX/XX/XXXX but does not disclose the amount and a past due balance of {$26000.00}. On XXXX, Santander reports no information from XXXX XXXXXXXX XXXX but reports XXXX of XXXX as 30 days past due, XXXX of XXXX as 60 days past due, and XXXX of XXXX as 90 days past due. 
In XXXX, Santander reports XXXX as 30 days past due, XXXX as 60 days past due, XXXX as 90 days past due, XXXX as 60 days past due, XXXX as 90 days past due with XXXX of XXXX being paid on time. In XXXX, Santander reports XXXX as 30 days past due, XXXX as 60 days past due, XXXX as 90 days past due and as a Charge off beginning in XXXX of XXXX. 

On XXXX, Santander Shows the date of the last payment in XXXX of XXXX in the amount of {$560.00}. Santander reports no information from XXXX XXXXXXXX XXXX but reports XX/XX/XXXX as 60 days past due, XXXX of XXXX as 60 days past due, XXXX of XXXX as 60 days past due, and XXXX of XXXX as 90 days past due. In XXXX, Santander reports XXXX as 60 days past due, XXXX as 90 days past due, XXXX as 120 days past due, XXXX as 90 days past due, XXXX as 120 days past due with XXXX of XXXX being paid on time. In XXXX, Santander reports XXXX as 06 days past due, XXXX as 90 days past due, XXXX as 120 days past due and as a XXXX off beginning in XXXX of XXXX. 

On XXXX, Santander reports remarks that read Charged off as bad debt|Profit and loss write-off. XXXX is currently reporting no payment history with a balance due of {$26000.00}.
Product: Debt collection

I recently received two letters from XXXX XXXX XXXX on the same day, one lettter is supposed to be a debt validation, which I requested, but it isnt. I requested to see something with my signature on it because I have never had a Capital One Account. The next letter I received on the same day says that they couldnt complete an investigation because I failed to give them information requested. These are the first two letters that I have received from this company. No information was requested from me. All I asked from the beginning is to see something from XXXX XXXX XXXX that has my signature on it. I also asked how it it legal to collect on an alleged debt from XX/XX/XXXX. This is out of the statute of limitations. I would like this removed from my credit report, due to the inability to provide the important information requested. If indeed I had that credit card on XX/XX/XXXX and you brought the debt XX/XX/XXXX, you should have something with my signature on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to state that credit bureau is in violation of 15 USC 1681B ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I, the consumer never gave any credit bureau written contest to report anything on my consumer report. No consent is identity theft. These accounts are being illegally furnished on my consumer report.
Product: Debt collection

I received a letter from The Northland Group attempting to settle a debt in collection. I responded to the letter requesting proof they were authorized to collect alleged debt via certified letter. They immediately responded saying they returned the collection to XXXX but XXXX is not the original creditor but a collection agency. My credit reports indicate the account in question has been sold multiple times and is being reported to all XXXX credit reporting agencies by XXXX, XXXX and XXXX. All XXXX report inconsistent dates of charge off/collection and all XXXX report inconsistent amounts of the actual debt owed. The debt is being reported on all XXXX credit reports as an active collection even though I have disputed this through the CRA's. Despite my disputes have never received anything materially relevant from any of these companies proving my obligation to this debt. To date I have not had any response from XXXX. I sent a certified letter to XXXX requesting proof of, verification of their authority to collect, and my options to resolve this debt so I may resolve this issue, I requested a response within five days as per law. XXXX signed for the certified letter over one week ago but has had no contact with me and have not given me proof of the debt, my responsibility or options in resolving this matter. I request all communication be done via US Mail and in writing on a company letterhead.
Product: Debt collection

XXXX XXXX received numerous calls from XXXX and I asked for detailed bills and nothing, I called the local company who said I owed nothing so this was suspicious me and I asked to speak to management when theyd call and nothing theyd hang up
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed all the negative information, collections, derogatory accounts, and public records on my account. I have also disputed inquiries that I didnt authorize. 

Equifax, XXXX, and XXXX  are reporting all of my accounts with different account numbers, different open dates, different closed dates, different amounts, and different payment histories. This is affecting my ability to obtain stable housing, as well as obtaining credit for necessities. 

They are providing false information to anyone who tries to pull my credit. I would like a credit sweep of all 3 bureaus, and all negative information, derogatory information, collections, and inquiries be deleted immediately due to the false information that all 3 are providing.
Product: Mortgage

I applied for a loan with Rocket Mortgage, the loan originators name is XXXX XXXX ID : XXXX. When I spoke with XXXX I explained that I was applying for the loan to see if I would qualify and that if I did I would need to sell my current home first before closing on the acquisition of this home. I explained that this would be a process and it would likely take a while, putting me past my rate lock period. He explained no problem and told me rate locks are about XXXX dollars each and that they are due at the time of closing. I was ok with this as I understand that the rate would need to be extended. I extended it a total of 3 times and I am now ready to close the transaction and purchase the new property. I then get a call from XXXX with Quicken Loans XXXX ID : XXXX stating that he has great news and he worked his magic. My rate went up, and because the second rate lock expired I now need to go from XXXX cash to close to over XXXX cash to close. I said I was told it was XXXX, and that those numbers do not add up. He said he would look into it and called me back the next day ( XX/XX/2022 ). When he called me back today he said he looked into the issue with another department and it turns out " They failed to disclose the penalties and cost of extending the rate 3 times. '' After telling me that he then proceeded to tell me that Quicken Loans has decided there is nothing they can do to credit these costs. Now I am a week out from closing and have my current house about to close and I have to come up with an extra almost XXXX to buy the new house, or I will not have a new home for myself and 4 kids. This is the definition of predatory lending and not disclosing the costs of the loans. I am not sure what I can do as I hurry to find the additional funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting this account monthly after account was closed and is charged off. I requested a full report of this account and till this day, I dont have any answers. They failed to respond to my pending Notice of Direct Dispute. They still haven't done their investigation.
Product: Credit reporting or other personal consumer reports

Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE XXXX XXXX XXXX XXXX  Account Number : XXXX Delete From My CREDIT REPORT 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX XXXX  Account Number : XXXX Delete this account. 
4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX XXXXXXXX XXXX XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX
Product: Debt collection

I have previously disputed this account. XXXX are required by Fair Debt Collection Practices Act ( FDCPA ) to send you a written debt validation notice with information about the debt theyre trying to collect. It must be sent within XXXX days of the first contactXXXX XXXX XXXX stated that they sent me a letter on approx XXXX advising me of the debt. I never received any such letter and would like proof of receipt of any letter advising me of this debt as well as a copy of the certified mail showing my signature and receipt of the letter notifying me of the debt or for this account or for this account to be immediately removed.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : -- -- XXXX and XXXX 2019 for 30 and 60 days late??? -- - I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting or other personal consumer reports

Upon reviewing my TransUnion credit report, I noticed multiple fraudulent accounts and inquiries that I never authorized. These unauthorized items have severely affected my XXXX XXXX and financial stability. 

The following accounts are fraudulent and should not be on my credit report : XXXX XXXX  - Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX These fraudulent items have negatively affected my credit score, making it difficult for me to secure financial opportunities such as renting an apartment, applying for credit, or obtaining loans. This has caused unnecessary stress and financial hardship.
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their XXXX " high yield interest '' savings accounts. Capital One misrepresented the XXXX Savings account as having XXXX of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the XXXX XXXX XXXX account. This deliberate obscurity and lack of transparency violated XXXX XXXX and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Vehicle loan or lease

Please make all correspondence in writing. Phone calls will not be permitted in this legal matter. 

On XX/XX/XXXX a promissory note in the form of an application was given to CFO XXXX XXXX XXXX XXXX dba TD BANK GROUP AND/OR TD BANK N.A . AND/OR TD AUTO FINANCE. 

Upon my research and investigation I have found out that my application and/or agreement were in fact exchanged for federal reserve notes at their local Federal Reserve Bank and/or sold over the counter ( as I pay fees and interest on top of what they took from my estate ) and I was not given full disclosure at the time of paperwork being signed. I am privy to this information and now that I am ; I have a right to my securities that were taken from my estate. 

On XX/XX/XXXX I XXXX, XXXX on behalf of XXXX XXXXPrincipal gave first notice along with POWER OF ATTORNEY instructing CFO XXXX XXXX  XXXX XXXX that I accept all Titles XXXX Rights, Interest and Equity owed to XXXX XXXX. Along with my tender/Allonge of payment ( entitled 'LETTER OF INSTRUCTIONS ' ) ; I also accepted and endorsed the negotiable instrument ( Payoff sheet ) offered to me. 

I have given XXXX XXXX XXXX XXXX business days ( per notice ) to respond in writing or to apply the principal 's balance to the principal 's account for setoff. I was then met with a dishonorable bill in the mail after I've already paid the bill according to Federal Reserve Act Section 16 and the Bills of Exchange Act. 

Since then I have sent out 3 notices ( 3 tiers ) totaling nearly 30 days. These notices are clear and concise of what I want them to do. I have performed and expressed myself according to the Federal Reserve Act Section 29 ; and now I am here to properly have them assessed before I moved forward. 

They're in Breach of Contract for inferior performance of their fiduciary duties. At this point they're in the know ; of this breach and I would consider their actions to be scienter. 

The contract signed had no consideration on their part since they never loaned me any of their own money and/or assets ; instead they exchanged my promissory note ( Which had a cash value equal to the bank loan they Supposedly gave. ) Meaning, I loaned myself the federal reserve notes and am being extorted for extra monthly payments and interest on top of what I have already gave them
Product: Debt collection

I am writing to formally dispute the account listed on my credit report associated with XXXX XXXX XXXX. This account, reflecting a balance of {$590.00} and dated as opened on XX/XX/year>, was not opened by me. I have no affiliation with your company, and I did not authorize this account. 

This erroneous entry on my credit profile is causing significant harm, as it is preventing me from obtaining a mortgage for my home. I am requesting that you thoroughly investigate this matter and remove this account from my credit report as soon as possible. 

To aid your investigation, I have enclosed copies of my credit report showing the account in question, along with any relevant supporting documentation. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate reporting, and this account is demonstrably false. 

Please confirm in writing that you have received this dispute and provide an update on your investigation within the legally mandated XXXX period. Additionally, I request that you notify all three major credit bureausExperian, XXXX, and XXXX ensure this erroneous account is removed from my credit profile. 

This matter is urgent, as the incorrect information is adversely affecting my financial stability. I trust that you will act promptly to resolve this matter and remove the account from my record. 

Thank you for your immediate attention to this matter. Should you need further information or documentation, I can be reached at XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023
Product: Consumer Loan

I Purchased a new XXXX XXXX on XX/XX/2012 from a dealership name XXXX XXXX XXXX in XXXX. The car was financed with Santander Consumer USA. I did not have good credit at that time and my interest rate was around 20 %. The problem is that I have made about 37 months worth of payments which total around XXXX to date. And I only paid down about XXXX in the principal balance. I am taken advantage in a NON simple interest loan. 

Based on a standard amortization schedule. My current balance should be around XXXX-XXXX. I dont know how XXXX worth of payments went towards interest and XXXX went to the balance. 

I was forced to purchase something called GAP insurance sold by the dealer. The dealer stated that it needed to be purchased or the lender wouldnt lend on my loan. 

Please help and investigate! I am sure there are thousands of people taken advantaged of like my situation. Very grateful for the CFPB!!!