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

On XX/XX/XXXX a lawful debt request affidavit was sent to XXXX XXXX XXXX I received none of what I requested XXXX XXXX XXXX sent a statement not a signed invoice.They sent a agreement signed by a third party for XXXX XXXX XXXX named XXXX XXXX corporations cant sign because they have no right or mind to contract since they are soulless legal fictions and furthermore no 3rd party can sign a contract on their behalf.They also showed no equal consideration.XXXX XXXX XXXX brought nothing of value to the table and had nothing to lose this company has had more then enough time to send documents i lawfully requested.XXXX XXXX XXXX has since sold the debt to a company name XXXX before verifying anything I requested and is now improperly reporting to credit report.XXXX XXXX XXXX has committed several crimes starting with. Anticipatory Repudication Criminal acts of XXXX XXXX XXXX 1.The contract was void-ab-initio because XXXX XXXX XXXX lied and never intended to lend a single cent of their own asset XXXX valid contract must have lawful or valuable consideration.The contract failed for anticipated breach.XXXX XXXX XXXX never planned to give the Buyer/borrower ( me ) any valuable consideration XXXX XXXX XXXX XXXX XXXX breached all its fiduciary duties to the buyer and is therefore GUILTY of criminal breach of trust by failing in its good faith requirement XXXX XXXX XXXX XXXX violated its corporate charter by lending credit or nothing at all to the buyer ( me ) and then charging interests on this make believe loan.Banks are only licensed to lend their own money not other peoples money.XXXX XXXX XXXX used the buyers ( me ) promissory note to clear the title which essentially purchased the property from the seller.The transaction is an ultra vires transaction because XXXX XXXX XXXX engaged in a contract outside its lawful mandate.An ultra vires contract is void or voidable because its non existent in law 6.Everyone involved in this undertaking with XXXX XXXX XXXX starting with the loan officer, lawyers and even central bank are equally guilty by association by aiding and abetting XXXX XXXX XXXX in its commission of its crimes against the buyer ( me ) XXXX XXXX XXXX XXXX XXXX and the others who profited from the ultra vires transaction are all guilty of unjust enrichment and fraud for deceiving the buyer ( me ) and for acting in concert in this joint endeavor to deceive the buyer ( me ) XXXX XXXX XXXX has sent me the same information THREE times! and fails to send the documents I lawfully requested and has had more then 30,60 even 90 days to send documents.Credit report should be updated immediately or hold XXXX XXXX XXXX and XXXX XXXX accountable for federal questioning regarding Anticipatory Repudication UCC 2-610.
Product: Credit reporting, credit repair services, or other personal consumer reports

On multiple occasions I have sent to Experian ( via mail ) requests for information for a specific account that is listed on my consumer report that does not belong to me and needs to be removed immediately as it is being reported inaccurately in which to date, my inquiries and requests have not been responded too and have been ignored! Due to complete negligence on behalf of Experian, I am authorizing CFPB to dispute this inaccurate account and I demand that it be removed immediately! To continue to allow this account to be reported in illegal and clearly in violation of my consumer rights in which I will take necessary legal action if not removed. The name that appears on the collection is not even accurate. 

Experian - Account Listed XXXX XXXX ( Not my name ) XXXX XXXX XXXX - XXXX XXXX {$220.00} I am requesting that you provide me proof of signed contract for alleged services including a signature and proof of identification that was submitted for the account listed with your bureau. 

Your prompt attention to this time sensitive matter is not only highly recommended but mandatory. 

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

MY PERSONAL INFORMATION HAS BEEN COMPROMISED AND THERE ARE FRAUDULENT ACCOUNT ON MY CREDIT REPORTS XXXX XXXX AND EXPERIAN ARE REPORTING INCORRECT DATA AND ACCOUNTS THAT DO NOT BELONG TO ME AND THERES ALSO ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX 2. XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX 4. XXXX XXXX 5. XX/XX/XXXXXXXX. OF XX/XX/XXXXXXXX 6. XXXX BANK, XXXX XXXX ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME WHICH WAS ALSO USED TO OPEN UP FRAUDULENT INSTALLMENT LOAN ACCOUNTS IN MY NAME I HAVE FILED A POLICE REPORT ABOUT THE ACCOUNTS FROM THE FOLLOWING CREDITORS I HAVE BEEN DISPUTING THIS MATTER SINCE 2021 AND THE CREDIT BUREAUS ARE NOT RESPONDING IN A TIMELY MANNER AND THEY ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME ALONG WITH THE FACT THIS IS HAMPERING ME FROM HAVING GOOD CREDIT
Product: Credit card or prepaid card

XXXX has been non-compliant with removing the unverified account BARCLAYS BANK DELAWA which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that BARCLAYS BANK DELAWA was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
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
Product: Debt collection

Account XXXX with National Credit Adjuster, I tried many times to verify this account and what it is. I have never had an account with them or any account during this timeframe that was of this XXXX amount. I asked several times for them to send proof of the original debt and never received anything to validate the debt or account
Product: Credit reporting

I have two issues. First, Equifax has been informed that my information was posted online and that people are applying for credit under my name. There have been numerous inquiries to XXXX. I want Equifax to remove these inquiries because they are fraudulent and unauthorized. I have not initiated ANY credit inquiry in the last 2 years. Any inquiry in the last 2 years is FRAUD Second, Equifax refuses to remove the XXXX account when I have documentation from the school that it should be removed. It 's been very damaging to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Jefferson Capital company Originally : 12 XXXX Debit card This account was sent to collections in XXXX I made a purchase, A few days later returned the item, it showed up on my bank account as a double purchase instead of a return. 

I disputed it with my bank and XXXX sent it to collections. It has been reported incorrectly as being in collections in XXXX.
Product: Debt collection

This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. Previously I have made attempts to work with them to fix all issues. By them violating my rights I am entitled {$1000.00} for every violation I listed. I demand they delete these accounts ASAP or pay me for every violation.
Product: Mortgage

Dyck O'neal inc has incorrectly reported me over 120 days late on an account that should NOT exist in the XXXX place. The account was XXXX on the completion of a Deed in Lieu on my cooperative residence. The Deed in Lieu NEVER occurred. The related mortgage was later satisfied in full via a sale of the property. XXXX of Dyck O'Neal was aware of the failure to close the DIL and still allowed the account to remain open harming my credit. Has has lied to me now on multiple occassions and has failed to have my credit reports corrected.
Product: Payday loan, title loan, personal loan, or advance loan

On XXXX a XXXX XXXX  ( XXXX ) from my XXXX XXXX checking account was made to Santander Bank for the amount of {$250.00} this amount was not deducted from my loan balance with Santander Bank. I've called them several times to inquire, and then to file complaints about the unaccounted for money on their end of the transaction. They state state that they can't find it in their system. 

On XXXX I made a XXXX time over the phone payment with Santander Bank Supervisor XXXX, for the amount of {$400.00} dollars from my XXXX XXXX  checking account to Santander Bank confirmation # XXXX. I also filed a complaint about the unaccounted for {$250.00} XXXX XXXX on XXXX. 

On XXXX I checked my Santander Bank loan account on line, and noticed that the {$400.00} dollars were documented as an unapplied amount. The problem is that XXXX XXXX did pay Santander Bank the {$400.00} dollars, and both of the payments were deducted from my XXXX  checking account, but weren't deducted from my Loan balance with Santander Bank. I've called XXXX XXXX  to confirm that the payments made by them, and they confirmed that they had paid Santander Bank a total of {$650.00}, in XXXX separate transactions. 

On XXXX I filed a complaint with the XXXX XXXX XXXX, I received a call from XXXX an employee at Santander Banks executive office, as a result of my complaint to the XXXX. I explained the problems that I was having with Santander Bank, he said he would look into it as he knew nothing about it.

I've taken out a new loan with XXXX in order to pay off Santander Bank, and get out of the shady if not fraudulent actions that this bank partaking in. During the week their customer service call center is out of XXXX XXXX, and on the weekend their out of the XXXX XXXX. Santander Bank is based out of XXXX, what a mess just full of possibilities for all kind of criminal activity.
Product: Vehicle loan or lease

It does not matter I have not been able to get a auto loan even with XXXX XXXX down because these ignorant dealerships run my credit as many times as possible and they come back with an astronomical amount of money needed down. I havent been able to get s credit card or anything since I was XXXX. Never. Something is up with my credit file to where it prohibits any one lending me money
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts Accounts*** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I discovered back in XX/XX/XXXX that a lawsuit was won by my State Attorney against Santander and  consumers whok had loans or have loans with them from XX/XX/XXXX to XX/XX/XXXX as well as repos. My vehicle was repo in XXXX XXXX. I called Chrysler/XXXX  ( the original loan owner ) as well as the current company the loan was sold XXXX XXXX both companies were called 3 weeks ago on XX/XX/XXXX asking about the information about the loan being removed on my credit report due to the lawsuit and me no longer oweing anything due to the Santander Settlement and both companies act as though they didn't know what I was talking about.
Product: Credit reporting, credit repair services, or other personal consumer reports

I try dispute with all 3 Bureus a chapter XXXX also disputed with lexis nexis they all saying is verified by court they all get in this information from Lexus nexis that is a third party agency so basically they are lying so in other words I would like this resolution resolved right away thank you they all lied sayin is verify by court court doesnt report to know one please deleted this immediately as I have proof from court an also is against the fair act to lie in reporting a file
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get these accounts thats showing on my credit that are mine. I have reached out the all I know to try and get this fixed. My coworker told me I need to speak with an attorney and he told me to reach out here. Even as of recently another Bankruptcy came on my credit. At first it only showed on XXXX  and a couple of days ago credit XXXX told me that a bankruptcy came on Transunion now in addition to XXXX. It is not on XXXX. The other accounts that are not mine are XXXX, XXXX XXXX XXXX, XXXX, US DEPT OF ED, XXXX. There were also some inquiries that are not mine XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. I'm doing this on my own.
Product: Debt collection

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
Please delete the following accounts. 

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: Checking or savings account

I am writing to formally file a complaint against Capital One for their negligence in handling my direct deposit and their failure to provide timely and transparent communication regarding technical issues that prevented access to my funds. I receive my paycheck via direct deposit every two weeks on Wednesdays. However, on a recent payday, my paycheck was not deposited into my account. Capital One failed to notify customers of any technical problems, leaving me without access to my hard-earned money. As someone who lives paycheck to paycheck, this disruption caused significant financial hardship, preventing me from covering essential living expenses. 

Capital Ones lack of transparency and failure to provide updates beyond a vague statement about technical difficulties is unacceptable and violates consumers rights to clear and accurate information about their financial accounts. Under the Electronic Fund Transfer Act ( EFTA ), financial institutions are legally required to ensure the timely processing of electronic transfers and provide clear communication regarding any errors or delays. Additionally, the Truth in Savings Act ( TISA ) mandates that banks disclose any disruptions that could impact customers access to their funds. Capital Ones failure to notify customers and resolve this issue in a timely manner may be in direct violation of these federal protections. 

I am requesting that the Consumer Financial Protection Bureau investigate Capital One for their mishandling of customer deposits and their failure to meet legal obligations to inform and protect consumers. Their negligence and lack of accountability have placed me and many others in a vulnerable financial position. I look forward to your prompt attention to this serious matter.
Product: Debt collection

Biehl and Biehl called me today and asked me to settle a debt- for {$88.00} to their client XXXX. 

I said Im not a XXXX customer so what is this about, she said its a package you received that wasnt paid enough on. I said ok from who and when, she started shout I can see we wont resolve this amicably so Ill report you to the recovery department. 

I said Im asking for proof of dept because I dont have a XXXX account and she hung up on me.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX  Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year> & XXXX  Date of Inquiry XX/XX/year>
Product: Credit reporting or other personal consumer reports

I received dispute results and credit reports giving contradictory information. 
Experian Report # XXXX, dated XX/XX/year> reads a bankruptcy that I disputed as, " DISPUTED ITEM NOT LISTED ON CREDIT REPORT ''. It does not give a status of " Deleted '', " Remains '', " Updated '', " Processed '' or " Verified and Updated ''. Under the heading " How to Read Your Results '' that portion is blank. 

Yet on Experian Report # XXXX, also dated XX/XX/year>, under the " How to Read Your Results '' section, there is a sub-heading the that reads " Here are your results '' and " Still pending '' is listed for accounts under dispute but the Bankruptcy has been illegally re-inserted into this report. 

So I would like a deletion of the bankruptcy, and a thorough explanation on how can a bankruptcy that I am disputing from a previous report, be " NOT LISTED ON CREDIT REPORT '' on dispute results report # XXXX, yet it shows up on dispute results report # XXXX and both reports are produced on the same day?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with inquiries I did not authorize, I also attached accounts that are reporting with errors on my credit report and need to be deleted. Please also update my personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

There have been accounts opened under my identity that I did not allow nor request. I am unaware of any of these accounts with Global Lending Service on XX/XX/2021 with XXXX. I have been a victim of identity theft. The FTC is already beginning an investigation.
Product: Mortgage

Wells Fargo NA reported past due delinquency on my credit report. 
These were reported on XXXX XXXX and XXXX XXXX, These are both inaccurate and have impacted my credit and my ability to secure a loan for housing for the past two years. I have tried XXXX separate times to have Wells Fargo remove these past due delinquencies removed from my credit report. I fell as though the latest response from Wells Fargo NA is bullying me and punishing me with compliance condition codes applied to my Credit report. 

I am unable to secure a loan and his is impacting my family 's ability to purchase a home. 
This has been impacting our ability to secure a loan for over two years now. 

I have attached two documents : # 1. My credit report with the XXXX separate Past Due claims from Wells Fargo NA on my credit report. ( XXXX Wells Fargo ) # 2 Response from Wells Fargo ( XXXX )
Product: Vehicle loan or lease

I purchased a brand new car on XX/XX/2018 and financed through XXXX XXXX. The loan amount was {$26000.00} at a 12.24 % interest-rate. After reviewing my past two car payments I noticed that a majority of my payment is going to interest alone. 
A {$510.00} car payment split between interest of {$270.00} and {$230.00} going to the principal. When I contacted foursite they told me that there was an additional {$8.00} daily interest which comes out to about {$250.00} in interest added to my 12.24 %. I was never made aware of this. 

The whole reason I purchased the vehicle was to trade in another vehicle at a 25 % interest-rate for a lower interest. Foresight told me theres nothing I can do and Im stuck with the loan basically. They wouldnt even provide me information on where to complain about this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these Items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and deleted erroneous reporting in my file and the listed on my credit report XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have not had the option to buy on my Coinbase account since mid XX/XX/2017. This has resulted in me losing out on the potential in 10s of thousands of dollars in return of my investments during the peak crypto market.

Their customer service is horrible! I have sent them over 15 emails with little to no organic replies, just not email replies. They even hung up on me during a phone call that i waited over an hour to get through.
Product: Credit reporting or other personal consumer reports

I sent a dispute letter : Letter to Remove Inaccurate Credit Information XXXX # XXXX XXXX ) Date of Last Activity : This account is not accurate. The Creditor is reporting XXXX different dates to the credit bureaus on my XXXX Credit Report. TransUnion reports XXXX, Experian reports XXXX and Equifax reports XXXX. The dates are not the same which makes the account not accurate. Please update or delete this account on my credit report. 

XXXX XXXX # XXXX XXXX ) Date of Last Activity : This account is not accurate. The Creditor is reporting XXXX different dates to the credit bureaus on my XXXX Credit Report. TransUnion reports XXXX, Experian reports XXXX. The dates are not the same which makes the account not accurate. Please update or delete this account on my credit report. 

XXXX XXXX XXXX  # XXXX XXXX ) Account Status : This account is not accurate. The Creditor is reporting XXXX different Status to the credit bureaus on my XXXX Credit Report. TransUnion reports the account OPEN, Experian reports and Equifax reports closed. Please update or delete this account off my credit report. 
XXXX ) XXXX XXXX # XXXX XXXX ) Account Status : This account is not accurate. The Creditor is reporting XXXX different Status to the credit bureaus on my XXXX Credit Report. TransUnion reports the account OPEN, Experian reports and Equifax reports closed. Please update or delete this account off my credit report. 

XXXX XXXX XXXXXXXX XXXX ) Account Status : This account is not accurate. The Creditor is reporting XXXX different Status to the credit bureaus on my XXXX Credit Report. TransUnion reports the account OPEN, Experian reports and Equifax reports closed. Please update or delete this account off my credit report. 

Experian did not respond to my request. I sent several letters prior to the one above.