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

Ive tried to get information that is not mine off of my credit report I was a victim or identity theft and in evolved an multiple data breaches UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX, XXXX, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXISTS.
Product: Credit reporting or other personal consumer reports

1. XXXX XXXX claims that there is a contract between myself and them. I require to be shown proof of contract and evidence of exchange in the accordance with the requirements of contracts, especially the requirement of consideration.

2. XXXX XXXX alleges that they provided me with a certain amount of bank credit as the consideration they provided to secure the contract. I require a full description of this bank credit.

3. Where did these credits come from? Provide evidence.

4. What in reality do these credits represent? Credits of what? A measurement of gold or amount of silver? Provide evidence.

5. Did XXXX XXXX possess the assets represented by these credits prior to the alleged exchange? Provide evidence.

6. Were the assets represented by these credits acquired by lawful means? Provide evidence.

7. If XXXX XXXX can not provide sufficient lawful answers to these questions pertaining to these bank credits, how is there any proof of consideration made by XXXX XXXX? Provide reasoning that is faithful to all men 's rights of Equality and equal protection under the law, without any special privileges.

8. If there is no proof of consideration, how is there any proof of exchange between myself and XXXX XXXX?

9. If there is no proof of exchange, how is there a contract between myself and XXXX XXXX?

10. If there is no proof of a contract, doesn't it follow that any claims or entitlements granted by this nonexistent and illegitimate contract should be dismissed by law?
Product: Credit reporting or other personal consumer reports

I asked for validation and they didnt give it to me. I asked them to take off incorrect information immediately and they did not! DISPUTE with 15 usc 1692g / validation / 609
Product: Debt collection

My debt was first sent from XXXX XXXX XXXX phys to ability recovery services LLC and was settled at a 20 % discount ( original amount due {$200.00} ) for {$160.00} in. However, proper documentation was not made and it was then sent to another collection agency, XXXX XXXX XXXX. I notified them that the account was settled however, it was then passed onto XXXX XXXX XXXX. XXXX reported it to collections and I have a derogatory mark on my credit report. I received documentation that the account was paid marked XX/XX/2016 from XXXX XXXX XXXX.
Product: Debt collection

Convergent Outsourcing has been sending me collection notices in the amount of XXXX. The collection had been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Credit reporting or other personal consumer reports

Item 5 : - Account Name : NICHOLAS FINANCIAL - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please. 

Item 6 : - Account Name : NICHOLAS FINANCIAL - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please. 

Item 7 : - Account Name : NICHOLAS FINANCIAL - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2014 I went to Carhop to get a car, i put down {$500.00} and i was supposed to pay {$320.00} a month, the car was in an accident which lead the person who caused it insurance company paying out {$3500.00} so i had to pay a little under {$800.00}. I called the UAC company the lady told me that if i paid off the balance then she would make sure it would be taken off my credit report. I have tried disputing this since and no luck they wont take it off even after they didn't hold up their end of the deal. I paid what was owed and i feel it should be taken off my report, I have been disputing this same company since 2014 and i am pretty fed up so this lead me to write this letter. I hope i can get some type of relief now.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, which has resulted in unauthorized accounts and inquiries appearing on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I am requesting that the following fraudulent accounts and inquiries be blocked and permanently deleted from my credit file immediately : Fraudulent Accounts : XXXX. XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$2900.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$2900.00} Unauthorized Inquiries : XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX - Inquiry Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX is reporting accounts to my consumer reports that I did not express permission or permissible purpose to report. 15 USC 1681 b. As a consumer I have the right to privacy pursuant 15 USC 1681, pursuant 15 USC1692, and pursuant 15 USC 6801. My private information is my business. My student loans are my business. My student loans are my private information. XXXX have report my private information without my consent. Navient actions have amount to aggravated identity theft 18 USC 1028a. As a consumer they have an obligation to protect my personal non-public information. They have reported my confidential and private information to an unaffiliated third party without giving me the proper disclosures 15 USC 6802. 15 USC 6802 Obligations with respect to disclosures of personal information opt out in general. A financial institution clearly and conspicuously discloses to the consumer in writing or electronic form or other form permitted by regulations prescribed under section 6804 of this title that such information may not be disclosed to such third party ( c ) the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX have violated my right to privacy. Their actions have cause me and my family severe mental anguish defamation of character. XXXX has stolen my identity, violated my consumer rights to privacy and the obligation they have maintain the security and confidentiality of my private information. They have no lawful authority or permissible purpose to put any account on my consumer reports. 15 USC 1681 and civil liability for willful non-compliance. In general, any persons who will fully fails to comply with any requirements imposed under the subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of. B. Says in the case of liability of a natural person for obtaining a consumer report under false pretenses of knowingly without a permissible purposes actual damage is sustained by the consumer as a result of the failure or {$1000.00} whichever is greater. Delete account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, my information was compromised and somehow fraudulent unauthorized inquires and accounts were included on my credit report. as a result after legal counsel I contacted this company both by phone and a formal letter, providing all the necessary documentation that they needed to make informed decision on this matter and remove these fraudulent accounts and inquiries. But to my surprise they decided to ignore me and are still reporting the same fraudulent account till date. Below are the fraudulent accounts and inquiries in question : FRAUDULENT INQUIRIES XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX FRAUDULENT ACCOUNTS XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and delete. As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every XXXX and Equifax credit bureaus shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX  and Equifax credit bureau are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor XXXX XXXX Date Opened XXXX XX/XX/2015 Balance : {$0.00}
Product: Vehicle loan or lease

On XX/XX/21 I got into a wreck in my new car i only had for a month on my way home ( not at fault wreck ). I called Wells Fargo and told them it happened and they said they would take care of everything. When I was away at a military school in Florida my wife called me and said that the Gap company wasnt going to cover the loan because Wells Fargo failed to send the paperwork in on time and they sent the paperwork past the deadline. I have gone back and forth with Wells Fargo for almost a year now and some of the workers have been nothing but rude and not helpful
Product: Credit reporting or other personal consumer reports

I sent Experian, equifax, and transunion letters regarding accounts on several occasions from XX/XX/XXXX. 
I been working with XXXX XXXX for XXXX and they have been sending letters about removing debt since XX/XX/XXXX. Some accounts only been removed from certain credit agencies.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate balance and charges being reported by XXXX XXXX XXXX XXXX in XXXX, AL and their third-party collection agency, XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXXXXXX provided me with a final balance of {$3600.00} upon vacating my unit. However, XXXX XXXX XXXX is now reporting an incorrect balance of {$3800.00}. Additionally, the leasing company applied multiple improper charges to my rental ledger, including excessive trash bag fees. Despite paying a $ 10 monthly trash fee as part of my rent, I was charged {$25.00} per trash bag for having them on my balcony. This occurred because the property failed to utilize its concierge trash service and only provided trash bins at the front of the complex, while I resided in the back. 

Furthermore, I vacated the unit in XXXX and returned my keys on XX/XX/XXXX, per our documented email agreement. Despite this, I was still charged additional fees for XXXX as if I had remained in the unit. 

The information and charges reported are inaccurate, and I have supporting evidence, including my rental agreement, emails, and rental ledger, to confirm the discrepancies. I request that these inaccuracies be corrected immediately and that the reported balance be adjusted to reflect the actual amount owed at the time of my departure.
Product: Credit reporting or other personal consumer reports

This is a formal dispute of my right as a consumer for removal of all reported inaccurate reporting named in this dispute that is reporting on my credit report. Please firmly establish that your reportings certifiably compliant in its reporting ( s ) as dubious to be of the mandated physically verified validated claims of truth, accuracy, completeness, of a known ownership of responsibility, of adequate timeliness, and or else wise indubitable in or of its validity unequivocally as disclosed, as indicated!

I have been looking over my Credit file and discovered several inaccurate accounts from on credit profile. I have requested validation from the accounts listed below 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law.

Please delete the following unverified : 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: Credit reporting, credit repair services, or other personal consumer reports

I am a co-signer on my husbands lease account with XXXX XXXX XXXX. There have been two 30 day late payments reported to my credit report without me being notified that the payment had not been made. My husband and I are currently separated. I never received a phone call or a letter about this account running or being late. This is unfair and unethical. My credit should not suffer for someone else 's mistakes. I am the CO-SIGNER and not the primary account holder. If someone called me from XXXX I would have made the payment myself. The first late payment was in XX/XX/XXXX and the second late payment was XX/XX/XXXX. I reported this information to XXXX but a thorough investigation was not done.
Product: Credit card

On XX/XX/XXXX XXXX sent me a refund in the amount of {$1500.00} to my XXXX account and on XX/XX/XXXX XXXX sent my refund back to my credit card company elan credit card Services credit card company my credit card ending in XXXX My credit card company never received the refund. I tried to call XXXX and they gave me a wire number that they use to send my refund to elan services credit card company I tried to give that wire number to elan credit card services, They can not locate my refund and I dispute it with the dispute department to see if they can investigate it further and I received a letter in the mail from Elan credit card services saying that they do not have my refund never received my refund. Ive spoken to XXXX over XXXX times on the phone and all they can tell me is Im sorry you cant find your refund please escalate it further with your credit card company and which I have done that with Elon Credit Card services and they tell me that they have no record of any refunds For me after XX/XX/XXXXXXXX The original purchase date for this product was XX/XX/XXXX XXXX XXXX
Product: Student loan

For the past 6-9 month I have made my Navient Payments in full according to my online portal in the amount of {$180.00}. I add a note every month to spread my payment across all loans in full. Every month my account shows that I am behind {$100.00}. Every month I call Navient to fix the issue and I get the same response. " We ( Navient ) didn't apply your payment across all of your loans ( even though I added a note to do so ), that's why its showing a pass due amount. Navient then sends a request to another one of their departments to spread my payments evenly. I go through this every month for 6-8 months. 

This month my online portal is the same {$180.00}. I make the payment and again I am behind {$100.00}. I call and I am told my new loan amount is {$290.00} and I am behind {$100.00}, again. I was not yet told that my amount has been raised to the new number of {$290.00}. My online portal still says {$180.00}. I haven't gotten a clear answer on why my current pass due of {$100.00} with the new payment of {$290.00} is equal to the previous pass due of {$100.00} when my monthly payments were {$180.00}. 

There are two issues here. 
1. Every Month I make a payment in full Navient doesn't spread my loan equally even after I am told for now on they will spread my loan out equally. And even though I attach a note to each check to spread my loan out equally. If I were to send my check in and not check my account this would have drastically hurt my credit score. This is an obvious practice that they will continue to do. I have been told they will fix it by multiple Navient representatives who I will list below. 

2. I made my usual payment and once again pass due. But this time its because my payment was increased and I was not notified. The increase was not posted on my Navient online portal. Why is the current pass due amount with a new payment equal to previous pass due amounts that I have been making of a different payment? Why is Naveint continuingly trying to get an extra {$100.00}? 

I have spoken with : 1.Someone with the E Code XXXX XXXX. XXXX XXXX on XXXX 3. XXXX XXXX on XXXX XXXX. XXXX  XXXX on XXXX XXXX. XXXX XXXX on XXXX 6. XXXX XXXX on XXXX XXXX. Many more prior to XXXX Attachments explained : Monthly payments should be the same each month. If you look at my attached copies of payments via the Navient portal, you can see timely payments from me and repeated adjustments to fix the issue from Navient, AFTER I called about the issue. The most recent previous months Navient still had to make adjustments but they didn't show in the portal this time, they covered their mistakes up.
Product: Credit reporting, credit repair services, or other personal consumer reports

3 Month ago, I discovered some things on my Credit report that was old, outdated and inaccurate information. I've sent several letters via Mail with proof of residents and Drivers License attached asking to remove Old, Outdated and Inaccurate Names and Addresses from my credit report. Experian and XXXX has Failed to take action on my requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a secured card through XXXX. My payment was due on XXXX. I logged into my account on XXXX and processed payment through external account. That payment cleared my external account on XXXX. Go to bank is not recognizing that my payment was made on time which was on XXXX. They are using XXXX day processing time as payment date. Thats how long they claim it takes to transfer money from an external account. This is not correct. Other banks recognize the day you make the payment as payment date not the date XXXX finalize external transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act. 
The following account does not belong to me and should be removed from my credit report immediately : The following accounts are not minded accounts. No knowledge account. 



DEPT OF ED / XXXX ACCT # XXXX The account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. 

XXXX ACCT # XXXX The account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. 

XXXXXXXX XXXX XXXX  ACCT # XXXX The account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. 

XXXX XXXXXXXX XXXX XXXX ACCT # XXXX The account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. 

XXXX ACCT # XXXX The account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. 

XXXX XXXX ACCT # XXXX The account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. 

XXXX XXXX XXXX ACCT # XXXX The account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. 

XXXX XXXX ACCT # XXXX The account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. 

XXXX XXXXXXXX XXXX XXXX ACCT # XXXX The account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.
Product: Credit reporting, credit repair services, 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 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights 15 USC 1681 section 602 A. States have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not fumisha account without my written instructions 15 USC 1681c ( a ) 5 ) Section States no consumer reporting agency may make any consumer report containing any of the following terms 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 USC 1681-2 ( A1 ) 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: Vehicle loan or lease

on XXXX the XXXX we received in writing a letter the TD Auto Finances account number XXXX grant you an payment extension for the Covid 19 TD Auto Finance did not comply with the extension he deduct the money from our account bank you can reach me at XXXX or send me a email to send copy of the letter my name is XXXX XXXX XXXX XXXX