23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has the following inquiries reporting in my file. The statue of limitations is 2 years. The inquiry must be deleted. 




XXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX XXXX XXXX   Date of request XX/XX/XXXX Account name XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXX Date of request XX/XX/XXXX Account name XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXX Date of request XX/XX/XXXX Account name XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXX Date of request XX/XX/XXXX Account name XXXX XXXX XXXX Date of request XX/XX/XXXX
Product: Student loan

All my payments I have been making since 2007 and prior with XXXX XXXX are not being posted to my account so the balance has never gone down. Per my account history print out nothing is posted to the principal.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX  XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XX/XX/XXXX {$1500.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$1200.00}, XXXX XXXX ( XXXX XXXX : XXXX XXXX ) XXXX XX/XX/XXXX {$770.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$1000.00}, XXXX XXXX  XXXX XX/XX/XXXX {$2000.00}. Inquiries : XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

I have a store credit card a walmart credit card through ( capital one bank ) I have been paying them since I believe I got the card in ( XXXX or XXXX ) and I started my first pay i believe in ( XXXX or XXXX ) I always pay my bills good and I was wondering why when I pay it never goes down! So I called them several times and contacted the mail office about this matter to tell them I am being charged double on each of my month bills I mention to them the other cards I have deduct my payments and you all are not instead when I pay the bills they do not deduct the payments they never applied my payments but charging me over for the payments which is doubted and I can not get them to do so! They refuse to put the payments on correctly and they refuse to send me my statements with all the payments I have made for months almost two years or more! I have spoken with several managers and bosses over them and the fraud departments for their companies i have contacted their companies with letters mentioning to them I am being double charged each month and my bills have remained close to the same! I told them this is illegal and very much fraud and I mentioned and told them they are violating my civil rights it's illegal to double charge a bill and never deduct each payment my the months as agreed on any credit cards they refuse and told me I have nobody it like that! Which is a illegal lie and they also told me they can not send my statements and tells me they will not! I told them they can not refuse paper statements and I am tired of it this been going on for about two years or more. I have called this companies sometimes several times a month and wrote their cop rate office and the corporate office never responded I called their cop rate office someone answers and when I started telling them the matters or asked them why have they responded too my letter concerning the double payments and fraud and I have been refused paper statements in the mail they hanged up every time! This is illegal and not right. How c and you take people 's payments and not! Apply them and charge them the same payments over illegal crooked highway Robbery fraud and laundering money falsifying customers payments illegal money gains! Which is! Prohibited by law. And they are still doing never got s statements refusing to apply my payments they doubted and refusing to reimburse my money back from their illegal doings and processing for monery gains which is fraud their illegal and laundering misleading companies dealings. Be blessed
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act, XXXX, XXXX and Equifax, had violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to USC 15 USC 1681 section 602 A, It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter, states I have the right to privacy. In accordance 15 USC 6802, no financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights. 
These addresses does not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent certified letters to Transunion, XXXX and XXXX about an incorrect and fraudulent account showing on my credit report. I also sent a request to XXXX which is the company reporting the inaccurate information with no response from either. I asked transunion and other two agencies to verify that they had the right person and or correct account. I haven't heard anything from Transunion or any of the bureaus. XXXX has not verified any information either. I sent this request also in XX/XX/XXXX again in XXXX and just recently XX/XX/XXXX. Some my return cards that they received never even came back to me. I was able to verify online they did in fact. received. I do have all my initial receipts.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach and identity theft. I request that the following fraudulent accounts and inquiries be blocked and deleted from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : ACCOUNTS : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} DP OF EDUC Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$00.00} DP OF EDUC Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$00.00} US DEPT ED Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$00.00} US DEPT ED Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$00.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$590.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$400.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$400.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$780.00} XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5600.00} US DEPT ED Account Numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Dates Opened : Various Balance : {$00.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$00.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$110.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$200.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to you today to request to you to correct my XXXX XXXX from erroneous reporting. When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts : XXXX  XXXX XXXX Balance Owed : {$490.00} XXXX  XXXX Balance Owed : {$130.00}
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the 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 reseller. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX  :
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I paid {$690.00} for a XXXX XXXX XXXX to XXXX XXXX on - line. As soon I I sent payment they started living to me about sending my contract. Then I asked for them to cancel the transaction and refund my money. They still haven't sent me a frefund or responded to any of my requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in response to a notice that I received from that the CFPB stating my claim had been closed due to you felt my complaint did not come from me. I feel that this is another attack on my character by your company. 1st you report information on my credit report that is clearly false. 2nd when I do send in a complaint to your company to notify you of the incorrect, inaccurate, and incomplete information you are reporting on my credit report you totally blow me off and don't respond. 3rd then you state my complaint is not from me. I truly feel like your company is personally trying to attack my character and also ruin my life. You have caused me nothing by mental, physical and emotional stress, and if this matter is not resolved I will be forced to not only report this issue to the CFPB but also my States AG 's office as well as the FTC and XXXX. 

My complaint is once again that you are reporting misleading, incorrect, false, and unverifiable information on my credit report. The date of my 1st letter was XX/XX/21 ; and to date you have failed to complete your investigation and correct the incorrect information with in timeframe set forth by the fair credit reporting act. 

I demand you conclude your investigation by deleting the items in question and sending me a free copy of my credit reporting showing the changes have been made.
Product: Debt collection

I am filing a complaint against the following law firm Rubin & Rothmann , LLC for unlawful practices such as wire fraud, mail fraud, and defrauding consumers such as myself. The above law firm has filed a civil suit against me for a default judgment on an alleged debt from XXXX  XXXX XXXX. 

Rubin & Rothman , LLC purposely sent the civil suit to an address, which is not my actual domicile. They sent presentments to an investment property that I previously owned and have been sold years ago. Due to this underhanded tactic a default judgment against me from the XXXX county Courts was honored. I consequently was improperly served therefore I was unaware such civil suit existed until months later. The XXXX County Courts however continued to move forward with procedures filed by Rubin & Rothman , LLC to garnish funds from my payroll account. I was never given the opportunity to answer the Civil suit in a timely manner subsequently why I am here filing an investigation against their unlawful practices against consumers such as myself. They claimed I owe an alleged debt with no validation that such debt exist or a signed original contract with my name displayed.
Product: Vehicle loan or lease

I am filing this complaint based on the lawsuit filed against Santander Consumer USA. A lawsuit was filed against the company for financing and securitization of sub-prime auto loans in Maryland. I was a victim of this lawsuit ; I purchased a XXXX XXXX XXXX from XXXX XXXX and XXXX in XXXX MD, XXXX XXXX XXXX. My credit score at  the time was low, however I was approved for a vehicle through Santander banking, with an interest rate of 21.83 % .The amount financed is XXXX and with the interest I will be paying XXXX. I have paid approximately XXXX into the auto loan since XX/XX/2017. I have the Sales Contract and any other documentation that is needed for the complaint. This has caused me a hardship. I have made payment arrangements in the last year to apply payments on the end of my contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to these companies on XX/XX/2023 stating that this inaccurate unknow information is not mine and I need it deleted. I asked these companies to verify these unknown, inaccurate accounts which is to provide me the original contract or agreement with my wet signature, and the statements where they interviewed others who know me. It has been over 30 days and these companies are continuing to violate my consumer rights and ignoring my request. I have provided what is stated by law needed to provide my identity and that I XXXX XXXX is a real natural person. These companies are reporting new negative information every month which is illegal. These companies have caused me and my family financial hardship because they are illegally continuing to report unknown negative information on my credit report which has made it difficult to find a job, and place to stay for my family and I.
Product: Checking or savings account

Hello, My name is XXXX XXXX. On XX/XX/XXXX I filed a dispute with my bank at the time which was capital one, I had a 360 checking account the dispute was related to an unknown XXXX transaction that I had been trying to get back since XX/XX/XXXX ... the bank placed an hold on my account & sent an email stating for me to contact them, when I received the email on XX/XX/XXXX @ XXXX XXXX  I immediately called them at the number listed XXXX, when contacting them I got in touch with a representative who asked me about the dispute, which I had canceled once the person sent back the funds, so capital one never issued me any money from this dispute. I then explained the events that occurred & after explaining the representative stated that my account would be closed & I will receive a check with the remainder of my funds, this was Tuesday XX/XX/XXXX. On Wednesday I called again XX/XX/XXXX to see if the check had be sent, I then got transferred & the line got disconnected. On Friday XX/XX/XXXX I called at about XXXX XXXX  disconnected twice before actually being transferred, to someone who stated that the account is not closed yet, there has to be an overview to make sure all claims are closed, the agent then checked & stated there are no open claims and he would note for the account to be closed possibly by Monday, I then asked is there a way I can transfer the money to my new checking account he stated no I would have to wait until the check is mailed out ... I then became upset stating that I only have a {$500.00} credit card and my bills will become due within a couple of days and I have no other funds to pay with, & that they didnt care because it isnt their self in this situation .... CSR customer service representative then said he would try to expedite the issue. On Friday my paycheck was also deposited into this 360 Capital one checking account ; literally leaving me with XXXX $ on my credit card that I now how to make stretch and hoping the account doesnt closed due to not being able to make payments until this account is closed
Product: Debt collection

I have a property in XXXX, GA, managed through a management agency. The property management informed me in XX/XX/XXXX that the tenant had told them that the HVAC was not functioning. I worked with the property management to replace the HVAC unit by XX/XX/XXXX. In XX/XX/XXXX, my property had new property management, with the new management still having access to records from the old management. 

In XX/XX/XXXX and XX/XX/XXXX, I received several unresolved collection letters from I.C. Systems, Inc., about a past-due bill for {$560.00} for work that XXXX  ( HVAC company ) had supposedly performed at my property.

I reached out to the new property manager to inquire about the letter and the charges. The property management investigated the note and informed the HVAC company claimed to have performed work that was not approved by me. The property management showed me the statement from the old property management, indicating the actual HVAC work that I accepted and paid for out of my reserve funds from the management company. 

The property management informed me that the HVAC company did neither go through my old property management, the maintenance that worked with the property management ( XXXX XXXX ), or me to get this work done. They are charging me for a job that I did not request and did not approve, and I do not see a work order in the property management system matching the one on my bill. Unfortunately, I'm not sure of how I should go about disputing this collection, and it is a charge that I am not responsible for paying. 

I reached out to XXXX to find a resolution to the matter, but I was informed the bill had already been solved to the collection agency.
Product: Credit card or prepaid card

I am currently on unemployment in California and my recent payment was stolen on XXXX due to a fraudulent withdrawal at a Bank of America ATM in XXXX XXXX. I reside in XXXX. I have my unemployment debit card in my possession. I have tried to call Bank of America regarding this fraud because they are the ones in charge of disbursing funds but they referred me to EDD. EDD doesnt have a single clue how to handle this, meanwhile Im out {$2000.00} which I desperately need to pay bills/Mortage. Why is it so easy to steal our money? Why cant the red tape be cut so I can take care of my family? EDD is a mess. BofA is a mess. Who will lose their job over this because my tax dollars are being well dispersed among thieves and the desperate tax paying people who need them are again the losers. Please get me my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

If the reinvestgation under paragraph1 of any information dispute by consusumer an item of the information is found to be inaccurate or incomplete or XXXX be verified the consumer report agency shall promptly delete that item of information from file of the consumer or modify of information as appropriate base on the the result of the reinvestigation and. The information is wrong it as paid and close on my account they need remove tricolor for my account
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to request validation of the debt you claim I owe. According to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, statements alone do not constitute sufficient evidence of a debt. I require a proper validation of this debt. 

In accordance with 15 U.S.C. 1692c ( c ), I also demand that you cease all communication with me regarding this debt, except to provide the required validation or confirm receipt of this letter.

Furthermore, as a consumer report is a medium of communication, please remove any negative information related to this alleged debt from my consumer reports.

Failure to comply with these requests may result in further action on my part. I expect an immediate response. Please address all future correspondence to my address above. 

Thank you for your immediate attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update or remove this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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