23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I do not have a signed contract nor any contract with SANTANDER CONSUMER USA. I have never done business with this company. I am not liable for collection from this debt from SANTANDER CONSUMER USA. I am not responsible for this debt with SANTANDER CONSUMER USA. I demand request be in the form of a verified statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, fault, or recalled consumer product, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claims as a loss with any insuring entity during the period it may have been payable. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. A copy of this complaint will be sent to you by certified mail with proof of delivery and will also become part of a formal complaint to the XXXX XXXX XXXX. Please be advised that I am requesting competent evidence that I had some contractual obligation in relation to the trade line. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, 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 intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Debt collection

Received letter from XXXX XXXX on XXXX/XXXX/17 for debt of $ XXXXI've disputed this debt several years ago.Did n't receive any response until the above referenced date.Never heard of XXXX XXXX or Navient.
Product: Credit reporting or other personal consumer reports

The company responded that they never received payments past XX/XX/year>. This is false because the {$20.00} was paid and I closed the account and they kept trying to take money from my bank and ACH account even after I cancelled and closed my subscription. XXXXXXXX XXXX tried to fraudulently force me into keeping the subscription by dropping the payments to {$9.00} to continue gaining access to my banking funds two months after I already cancelled. I had reported it to my bank.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT I recently received a copy of my ( Experian, XXXX or XXXX ) consumer report, and I noticed some Transactions posted on my consumer report that is excluded my federal laws to my consumer reports! : XXXX XXXX XXXX account XXXX XXXX Reporting this late payment from XXXX XXXX XXXX is in violation of the FCRA and XXXX Compliance and XXXX violation. 
15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.

Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; On XXXX and XX/XX/year> you reported transactions from to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports!

The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of XXXX compliance! 
Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. 
I demand the transactions reported on XXXX and XX/XX/year> be Deleted from my consumer reports effective immediately. 
Now before you think to reply with validated, lets be clear I am not asking you to validate or verify anything so dont respond telling me that to waste my time. 
Further more 15 USC 1666b ( a ) ( 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. 
I need the above transactions deleted from my consumer reports!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft and I have sent letters to both Experian and XXXX XXXX informing them of a fraudulent loan account that is being reported on my credit file. I have sent multiple letters to Experian asking them to remove this fraudulent account off my credit file. My most recent letter was sent on XX/XX/2022. I sent this letter certified mail and have the certified mail receipt and proof of delivery from the United States Postal Service. I have also sent multiple letters to XXXX XXXX informing them of the theft of my identity and asking them to remove this fraudulent account off my credit file. The most recent letter sent to XXXX XXXX was sent on XX/XX/2022 as well. After sending multiple requests to both Experian and XXXX XXXX XXXX neither has honored my request to have the fraudulent account information removed from my credit file. I also sent emails to XXXX on XX/XX/2022 and XX/XX/2022, with investigate credit in the subject line as instructed by XXXX. In these emails, I provided them a letter detailing the theft of my identity, and a Identity Theft Report from the Federal Trade Commission, and asked them to remove the fraudulent account from my credit file. These are the same documents that I have sent to Experian as well. With these documents, I have included all the necessary documentation to prove that I am a victim of identity theft including identity theft reports, police reports, copies of my driver 's license, social security card, and proof of address. I need this fraudulent account information removed from my credit file immediately because I did not open any loan account with XXXX XXXX XXXX nor did I authorize anyone to open an account with my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$4100.00} Date OpenedXXXX XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX|Date of Inquiry : XX/XX/XXXX XXXX XXXX|Date of Inquiry : XX/XX/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 XXXX|Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX|Date of Inquiry : XX/XX/XXXX XXXX 
Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from my credit report. 
FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Product: Credit reporting or other personal consumer reports

Hello, back in XXXX I applied for multiple bank deposit accounts, and was denied for all of them. After that I received my chex system report and I had noticed multiple fraudulent accounts that did not belong to me. Becuase of the amounts on each of those accounts where less than {$60.00} I figured I might as well pay them off and get this out of my hair. After that, I applied for some more accounts of which I have been denied again, one of which is essential for my financial goals. The reason for the denial was stated to be that because of fraudulent accounts they can not move forward even with them being settled in full. I have tried to remedy this with both companies, even stating that with each account I signed up I use my full government name and nothing abbreviated like the name on the false accounts. So i ask that you please remove these accounts from my chex system report.THANK YOU.
Product: Money transfer, virtual currency, or money service

I have reported a cryptocurrency fraud to Celsius Network of which the scammed proceeds has been transferred into its platform. The case number assigned by Celsius was XXXX. 

However I have not heard back a single message from them since late XXXX despite my follow-up on the update of the investigation. Instead, my very own Celsius Network account was suspended. There was not any explanation either.

Celsius Network is registered as a XXXX XXXX XXXX ( XXXX ) with number XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

This account is reporting inaccurately because they are reporting against my wishes in general. 15 U.S. Code 1681a - Definitions ; rules of construction section ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 US code 1681 ( b ) Permissible purposes of consumer reports. The third violation is 15 US code 6802 b ( 1 ) b Obligations with respect to disclosures of personal information. ( b ) 1 ( b ) Opt out the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not disclosed to such a third party ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Provide written signed agreements saying that I was offered the option to OPT out of the account reporting prior to reporting. I was never called or contacted to confirm permission for reporting. Are you denying me the above rights that were put in place as a way of fair regulation by the government? I am requesting that you remove these accounts immediately. There have been several requests. I am requesting {$1000.00} for each violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card on my XXXX XXXX and XXXX  credit reports from SYNCB/XXXX. I believe this is a paypal credit card however I do not have a PayPal credit card so this does not belong to me and it is showing a balance. 

The account says it was opened in 2015 but XXXX hadnt noticed it until now, the report balance on the card is XXXX. I dont want this account open in my name or to be associated with the balance, it is not mine.
Product: Credit card or prepaid card

NO USAA PERMANET FRAUD CREDITS PROVIDED. see Review XX/XX/XXXX. USAA fraud department decided it was not fraud. See attatched XX/XX/XXXX Statement. XX/XX/XXXX XXXX  credited {$200.00} & XX/XX/XXXX XXXX  credited {$280.00}. See TOTAL PAYMENTS CREDITS THIS PERIOD {$910.00}. NO USAA CREDITS. ALL MERCHANTS CREDITS. Kindly Note, XX/XX/XXXX SECURITY ADJUSTMENT ( OF ) ** A USAA REVERSAL OF CREDIT. {$120.00}?? {$210.00}?? card XXXX. These MERCHANTS CREDITS WERE CREDITED XX/XX/XXXX. These are NOT USAA CREDITS. card XXXX XX/XX/XXXX {$110.00} usaa reversal of credit SECURITY ADJUSTMENT ( OF ) This was paid by XXXX  XX/XX/XXXX. See XX/XX/XXXX {$200.00} & {$280.00}. SECURITY ADJUSTMENT ( OF ) usaa reversal of credit This was just paid by XXXX XX/XX/XXXX of same month?? Again USAA PROVIDED NO CREDIT NO FRAUD ON ACCOUNT. USAA REVERSES MERCHANTS CREDITS. IF NO FRAUD & NO CREDITS WHY DOES USAA GET TO TAKE MERCHANTS CREDITS LEAVING ME WITH FRAUD??
Product: Debt collection

I was a resident at XXXX XXXX apartments from XXXX XXXXXXXX XXXX, with 2 other roomates. I was served a joint eviction in XX/XX/XXXX, so vacated the property. The eviction documents gave me the option to pay XXXX XXXX apartments {$1000.00} or to forfeit possession of the property. Fast forward to XX/XX/XXXX as I am doing credit repair DIY, I contact National Credit Systems as they're listed on all 3 credit bearu 's as taking ownership of a {$4100.00} debt from XXXX XXXX XXXX Apartments. I don't agree with said amount of {$4100.00}. My rent had ONLY been {$750.00} and according to the legal eviction documents, I don't owe a balance. Even if I did owe a balance, How did the significant amount of {$4100.00} come about? I spoke with XXXX XXXX from National Credit Systems on 3 seperate occasions via telephone between XXXX and XX/XX/XXXX. In addition, I sent a debt validation letter via certified mail. As a response, XXXX sent me 3 pages from a signed lease and itemized " move-out statement. '' The move out statement raised even more questions. The eviction paperwork had a balance of {$1000.00} yet the itemized bill/move out statement has my balance starting at {$1400.00}. The itemized bill also shows that I was charged for rent twice in the month of XXXX ( XXXX ). I was charged {$740.00} on XXXX and {$740.00} on XX/XX/XXXX. I was charged an astronomical amount of {$1100.00} for a carpet replacement. The bill also list my move out date as XX/XX/XXXX which is innaccurate. I moved out a month prior. I was served eviction paperwork on Thursday, XX/XX/XXXX and had 3 days to be out, excluding saturdays/sundays. Day number 3 was Monday, XX/XX/XXXX and on this day, I was back living on college campus as a residential assistant. 

Because of the questions and alarming concerns I had, in regards to the amount owed/owing anything, I reached out to XXXX XXXX apartments by telephone in XX/XX/XXXX. I called, assuming I'd be able to get to the bottom of this but was met with an absurd response. XXXX XXXX Apartments has no recollection of me ever living there as their " files '' don't go back that far. They were unable to verify my debt nor provide a copy of the original lease because they didn't have any of this information. In addition to the alarming telephone call, I followed up by sending XXXX debt validation letters to XXXX XXXX XXXX apartments by certified mail and didn't get a response. XXXX XXXX Apartments also doesn't have a corporate office so I was unable to speak to anyone else. 

At this point, National Credit Systems is the only entity claiming I owe any debt to XXXX XXXX Apartments. I am disputing the entire {$4100.00}. This is an erroneous number. This eviction on my record has constantly prevented me from renting / home ownership and this isn't right when this debt is clearly innaccurate / false. Anyone can look at my situation and documents and see that alot of this just isn't adding up. I don't owe XXXX XXXX Apartments {$4100.00}. 

I have written my attorney general and XXXX in regards to this issue as well.
Product: Debt collection

Several Weeks Ago I did an annual credit report pull and I noticed some fraudulent behavior, I was charged {$840.00} from I.C. Systems w Inc XXXX XXXX XXXX On my XXXX  Account. For an account Ive never personally seen before which brings me Slight Concern.
Product: Credit card

The issue is with Citibank charging me twice for a purchase of XXXX XXXX. The cost was {$2300.00} on XX/XX/XXXX. We returned the doors on XX/XX/XXXX ( we actually looked at them and never accepted them when we went to get them due to a manufacturing error ). The credit card company put the charge on twice and is refusing to correct it. Home Depot gave me all the proof needed. XXXX at Citibank XXXX ID number XXXX refused to acknowledge it was their error. Ive been going back and forth, both to them and HD with no correction over a year later. Ive been sending dispute enotes and mailing certified letters and am at a complete loss for words. Ive worked very hard for an excellent credit rating and this is going to destroy it. Please help me to resolve this. 
It is a Citibank error that needs correction.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are not mines, these accounts started to appear after my identity has been compromised. I'm demanding that these accounts not only be removed but blocked as well. The following accounts shall be removed XXXX. XXXX  XXXX XXXX {$15000.00} 2. XXXX {$3700.00} 3. XXXX {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information is not match. Make sure to right my ssn and full name.
Product: Debt collection

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX , XXXX XXXX XXXX and XXXX data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.
Product: Mortgage

I have been trying to get my mortgage company MR Cooper to pay my property taxes from my escrow account, the taxes are several months overdue. i have talked to them several times over a period of two months and they still have not paid the taxes. The amount due was XXXX and now due to interest and fees it is at XXXX due. I just received a letter from an attorney representing the appraisal district say they are going to sue me if the taxes are not paid. I have relayed this message and all the paper work they have asked for and it has not been paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed an error in my credit report under the public records section and have since contacted ALL 3 MAJOR credit bureaus and in return have gotten the disputed items not properly corrected on my report. Not only is it affecting my report but my life as well which deems me financially irresponsible so the automated letters I receive tell me. It even does n't show in the comments section under the items marked as Disputed By Consumer which under the FCRA is a strict violation in correspondence to my rights as a consumer. I 've written numerous CERTIFIED letters to the Bureaus AS WELL as the creditor themselves. In return the creditor only responded to my letter with a letter of verification stating they do n't even report to the credit bureaus. I have that burden of proof to support my claim as well. These public records do n't contain any large sum amount or an amount at all to my knowledge it is just a negative and bad reflecting mark on me as a consumer and person which is definitely Defamation of Character, which I am certainly not. I Placed a Security Freeze on my file and Opted out of Services Provided by XXXX XXXX. I have also proceeded with filing a small claims suit against these Bureaus for the Defamation of Character as well as my rights protected under the FCRA AND Injury to myself & my credit report seeking no less than {$1000.00} per violation under the FCRA Sections 604 ( A ) ( 3 ), 623, 611 also US Court of Appeals, Ninth Circuit, No. XXXX. ( XXXX vs. XXXX XXXX ) To avoid these proceedings and drop the lawsuit I figured give one more dispute a try I 'm just looking to have this matter cleared up. 

Best Regards
Product: Credit reporting

I leased a home located at XXXX XXXX XXXX, XXXX, NC XXXX. My lease terms were XXXX/XXXX/XXXX through XXXX/XXXX/XXXX. I vacated the unit and returned possession XXXX/XXXX/XXXX. I relocated to XXXX, MO and entered into another lease agreement on XXXX/XXXX/XXXX. I never communicated or received any correspondence from the property owner or property management company until XXXX. I learned that on XXXX/XXXX/XXXX, the property management company, XXXX XXXX and XXXX requested possession of the unit through the XXXX County Courts. XXXX XXXX was award possession on XXXX/XXXX/XXXX. I did n't learn of the request for possession, any debt owed nor was it reported to any of the credit reporting agencies until XXXX XXXX, XXXX. More than 5 years later I received a notification from my credit monitoring service that an entry was added to my credit report stating I owed {$7100.00}. I knew immediately this amount was bogus. On XXXX XXXX, XXXX, I contacted XXXX County Courts for a record of what XXXX submitted as damages ( attached ). XXXX submitted to the courts a balance of {$1400.00} for past due rents and late charges ( which I disagree with ). However, they sold my account to Resolve Partners , Inc. and stated to this company I owed {$7100.00} in rents. They provided Resolve XXXX , Inc. an itemized statement ( attached ) stating I resided in the unit for 5 additional months after they had obtained possession from the courts. This is untrue. As I previously stated, I fulfilled my lease which expired XXXX/XXXX/XXXX and moved out of the unit on XXXX/XXXX/XXXX ( lease attached ). Furthermore, why would a property management company allow a tenant to remain in a unit without paying rent for 5 additional months after they obtained legal possession of the unit from the courts? XXXX fabricated the amount of the debt I owed them to be able to sell it at a higher price to Resolve Partners , Inc. Even if I am liable for the {$1400.00} that XXXX submitted to the courts, I was not credited for the {$950.00} security deposit I paid upon taking possession on XXXX/XXXX/XXXX. This would make my balance {$470.00}, not {$7100.00}. I have requested that Resolve Partners remove this inaccurate information numerous times and yet it still remains on my credit report.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX