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

Notice for Proof of Claim Account : XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX # XXXX To Whom it XXXX Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO XXXX XXXX XXXX Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you XXXX extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX XXXX XXXX {$90000.00} XXXX  XXXX {$1000.00} XXXX   XXXX  XXXX {$850.00} XXXX  XXXX {$460.00} XXXX  XXXX   XXXX {$800.00} XXXX/XXXX XXXX {$400.00}
Product: Debt collection

I am writing to dispute a debt collection account that appears on my credit report. I request that this item be removed based on the following information : Account Name : Credit Collection Service Account Number : ( no information on credit report ) Date of Last Activity : XX/XX/year> I dispute this item for the following reasons : 1. The debt is not mine, and/or I do not recognize this account.

2. The information reported is inaccurate.

3. The debt collector has failed to validate this debt as required by the Fair Debt Collection Practices Act ( FDCPA ).

Under the California Consumer Credit Reporting Agencies Act ( CCRAA ) and the federal Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable investigation of my dispute and remove any information that can not be verified as accurate Please investigate this matter and remove the disputed item from my credit report. If you find that this information is accurate, please provide me with validation and verification of the debt, including : A copy of any judgment The name and address of the original creditor Verification of the reported date of last activity and date of first delinquency I look forward to your response within 30 days, as required by law. Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/2017, my daughter XXXX 's boyfriend at the time bought her a new car so that she would have transportation to find a decent job. Because he was very young and never had credit he was told that a good way to establish credit was to sign on with Santander bank because that was the only bank who would finance the car. XXXX XXXX then told them that once they made the payments on time for a year, XXXX XXXX would get the initial payments lowered to a more manageable level. The initial payments were set at {$570.00} per month for a XXXX   XXXX priced at {$20000.00} approximately. My daughter agreed to make all the payments and did, on time, for the year. They went back to XXXX XXXX expecting them to honor their word. They didn't. She contacted Santander representatives to see if she could get the payments lowered ... they said no. Meanwhile XXXX is working hard to make these payments on time only to find out that most of the payment was going to interest and not principle. I did some research on Santander bank and found that they had numerous complaints against them, bad reviews, and law suits against them for essentially operating as loan sharks. They need to be stopped so that they don't trap anymore consumers who are desperate.
Product: Debt collection

On XX/XX/XXXX I sent a letter through the mail for verification of debt. 

Under FCRA law, It says that I can submit a verification and if the creditor is unable to validate the debt, showing original signatures and proving that its my debt they must delete it. 

I have yet to receive a response from the company therefore they have violated my right.
Product: Debt collection

I terminated my service with XXXX in 2018 and returned all the equipment. I received a notification on my credit monitoring on XX/XX/XXXX that a collections has been filed against me. I already escalated the issue with XXXX and they admitted their error ( ticket # XXXX ) but don't think my credit report can be corrected for up to 8 weeks ( 45-60 days ). It could take up to a month to notify the collections company ( CBE ) and up to another month to remove from my report. This time frame is unacceptable. I am in the middle of refinancing a mortgage. A negative mark on my report will lead to a higher interest rate that costs me thousands of dollars. This is essentially fraudulent billing in which they already admitted to have a record that the equipment was returned, and still billed for it. In addition, it is unconscionable to send something to collections 2+ years after-the-fact with no contact to me. I never received any email/call/mail regarding this charge, and in addition, the fact that it took only a few hours for them to confirm this was wrong suggests it was corporate malfeasance to NOT do due diligence before sending the debt to collections. 

You can see in the attachments my account shows a XXXX balance, and in the comments of my account screen, that equipment was already returned/removed from the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX is incorrectly reporting on my credit report. 
The account reported close and then open and then late. This account should not be reporting on my credit report XXXX credit has also been removed and XXXX put it back on my account illegally. 

XXXX also never removed XXXX XXXX XXXX XXXX XXXX XXXX are reporting XXXX auto loans and a ftc report has been filed and shown. 
15 U.S. C 1681c. ( a ) ( 5 ) States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S. C 1681s-2 9A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15. U.S. C 1681 C Section 605 B 15 U.S C 1681 e ( b ) I have contacted my lawyer and the next step is to sue and demand monetary relief due to them breaking these very laws
Product: Mortgage

I am having a very difficult time with Shellpoint Mortgage. After struggling through COVID for almost 2 years I am back to work full time. I I am self employed and own my own company. We were shut down during COVID. Now that my business is back to normal I applied for a modification. On XX/XX/2022 I was declined by Shellpoint. The decline letter is stating based on a NPV calculation. What? We just went through a pandemic and Shellpoint placed me on a COVID 19 Care Act Forbearance. I don't understand this. HUD has advised me that based on my income and mortgage payment, that I meet the mortgage banking guidelines for approval.
Product: Credit reporting or other personal consumer reports

Checking my credit report revealed that Experian 'soft hit 's ' my credit EVERY DAY. We were hacked several years ago and my husband may have set up an account for me but we have no way to access it because we no longer own the phone associated with the account and the password reset requires that number. We spent over 2 hours on the phone with Experian and were unable to resolve the matter.
Product: Credit reporting or other personal consumer reports

Mariner Finance is showing closed/charged off account. Each month they are charging interest on a closed account and reporting the account late each month. The balance increase every month. This has been going on for quite a while. I don't understand how they are able to keep doing this every month.
Product: Student loan

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that DEPT OF ED/NAVIENT has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I don't know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is aquatinted or who may have knowledge concerning any such items of information on a consumers credit record obtain directly from a creditor of the consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. I'm requesting the removal of accounts and or monetary compensation due to violations of my rights. I'm currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore I'm requesting removal and this account violates my consumer rights in several ways. Please remove and provide some update within 4 days of receipt, as this has been ongoing for over 4-5 months.
Product: Checking or savings account

I deposited a check ( mobile deposit ) XX/XX/XXXX. They sent me and email with when and how the funds would be released. It did not happen. When I chatted with them online or telephone I was then and only then told {$500.00} would be released XX/XX/XXXX and the remaining released by XX/XX/XXXX. Today is XX/XX/XXXX and I still do not have access to my funds. This money was from a chapter XXXX dismissal from myself and the check was a reg cc check from a trustee. This money was to pay my creditors and pay backpay on my car that they are now repossessing because of this stupid and nonsense of a hold they are doing. This check cleared my trustees bank 5 days ago,
Product: Credit card or prepaid card

On XX/XX/2020 I paid all outstanding balances on my account ending in XXXX to XXXX XXXX XXXX. On XX/XX/2020, I closed my account ending in XXXX with XXXX XXXX. 

I no longer have outstanding balances, as I paid those at the time my account was closed. My bank statement shows that an amounts of {$30.00} and {$75.00} on XX/XX/2020, {$21.00} on XX/XX/2020, and {$25.00} XX/XX/2020 were withdrawn from my Chase Checking account on behalf of XXXX XXXX XXXX. 

I contacted XXXX XXXX in XXXX, and was told no charges to my bank account have been made on behalf of XXXX XXXX. XX/XX/2020, I sent an email to XXXX to file billing fraud, and demanding to have these charges refunded. XX/XX/2020, I received a response via mail. No resolution was made other than they would remove me from their contact list, close my account, and I had made a purchase with my card on XX/XX/2020 for {$42.00} with my XXXX XXXX card. 

XX/XX/2020, I contacted XXXX XXXX to inquire about the balance on my account, and was told that I had no outstanding charged. I then contacted Chase Bank via phone to dispute these charges, and file a fraud claims. A representative at Chase Bank stated that I made automatic payments via my Chase checking account. I was told my claim would be denied. It should be noted that I do not have reoccurring payments set up on my Chase Accounts. 

XXXX XXXX XXXX  is not holding itself accountable for erroneously charging its borrowers, such as myself. I believe that XXXX XXXX is manipulating accounts. I am requesting to receive assistance in having this issue resolved, as I have exhausted all possible ways to address this issue with XXXX XXXX and Chase Bank.
Product: Credit reporting or other personal consumer reports

Heres a description of the situation that you can use when providing information to the credit bureaus : -- - **Description of Dispute : ** I am writing to dispute an account that is being reported on my credit file. The account in question was reported as a charge-off with a balance of {$130.00}. The account was opened on XX/XX/XXXX, and the date of the first delinquency was XX/XX/XXXX. The account status was reported as Charged Off with the most recent update on XX/XX/XXXX. 

**Actions Taken : ** 1. **Dispute Initiation : ** I have formally disputed the validity of this debt with the creditor, requesting that they provide adequate proof of the debt. I also informed them that a mere statement of the account is not sufficient proof of the debt as per XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

2. **Cease and Desist Request : ** I have requested that the creditor cease all communications with me regarding this debt. This includes any updates or reports related to this debt. Additionally, I have requested that they remove any and all references to this account from my credit reports. 

3. **Potential Legal Action : ** I have communicated to the creditor that failure to resolve this matter to my satisfaction will result in legal action for potential damages and costs, including statutory damages, actual damages, legal fees, court costs, and punitive damages. The total potential liability estimated in the case of litigation is {$12000.00}. 

**Dates : ** - **Account Opened : ** XX/XX/XXXX - **First Delinquency : ** XX/XX/XXXX - **Account Reported : ** XX/XX/XXXX **Amount : ** - **Reported Balance : ** {$130.00} **Actions Taken by Company : ** - The creditor reported the account status as Charged Off and has continued to report the balance on my credit file. Despite my requests, the account remains reported as a charge-off. 

Please take this information into account when reviewing and updating my credit report. Thank you for your attention to this matter. 

-- - This description provides a clear outline of the situation and actions taken without including personal information. If you need to make any changes or add details, let me know!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Items XXXX XXXX Balance : {$4000.00} XXXX XXXX Balance : {$9900.00} XXXX XXXX XXXXXXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX  XXXX Balance : {$4000.00} XXXX XXXX Balance : {$9900.00} XXXX XXXX XXXXXXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX Balance : {$4000.00} XXXX XXXX Balance : {$9900.00} XXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$2700.00}
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts 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 : {$780.00} XXXX  XXXXXXXX XXXX Balance : {$290.00} XXXX  XXXX XXXX  Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Im requesting your assistance regarding this incorrect account that is currently listed on my credit report. This issue has harmed my reputation, and I need your help. Your poor management of my credit report has left me in a difficult situation, and due to this inaccurate reporting, my reputation has been compromised. You need to resolve these mistakes so I can have peace of mind with my family.
Product: Money transfer, virtual currency, or money service

My XXXX account was suspended when I tried to buy XXXX
Product: Credit reporting or other personal consumer reports

I am writing to once again to dispute certain unauthorized inquiries that continue to appear on my credit report, despite my previous attempts to address this issue. Despite my repeated disputes, the following inquiries remain inaccurately reported. 

I have previously disputed these inquiries and provided evidence to support my claim that they are unauthorized. However, it appears that the inaccuracies persist, which is concerning as these unauthorized inquiries can negatively impact my credit score and financial reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act USBK XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right 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: Checking or savings account

Is selling my self directed account to XXXX XXXX. I will lose alot of money when they do that because i own 65 partial securities that are currently losing money. XXXX XXXX does not allow partial securities. So i will be forced to take a cash equivalent loss. 
And XXXX does not allow what they refer to as unusual access. So i wont be able to trade when iam overseas. Which is 9 months out of the year. 
Can i force capitaloneinvesting.com to not sell my self directed account? 
XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have opened my Paysafe account on XX/XX/22. I took my first credit card payment for {$320.00}. I realized that I missed a digit on my bank account information given during the signup process. There are 3 different merchant accounts that I have to sign into. Paysafe, XXXX and XXXX. I have gotten the run around since XX/XX/XXXX. Today a nice rep was able to help me get all of this updated. her name is XXXX. I spoke with a supposed manager named XXXX XXXX who told me to apply for the 2nd merchants which I did while on the phone with him. After my bank account was finally updated. My second merchant application was denied. I did not want to apply for one this person had me sign up for one. What kind of service is this? Not only to solve my problem in the most unprofessional manner. Because I need to update my account I was put on a ( merchant termination list ) I have never used a merchants account before. So this makes no sense. Before we would accept payments from our customers through ACH on 30 day terms. I signed up for this to get payments faster. Whoever this guy is has given me the run around with inaccurate information. I should not be put on any termination list when a manager rep from this company asked me to apply for another account. This is horrible service. I need this fixed ASAP. I do not want to have any problems when running payments.
Product: Debt collection

I was a victim of identity theft back in 2014 were my social security number was compromised and resulted in someone falsifying my tax reporting. I have been battling multiple accounts and items that I have had no knowledge of or relationship to speak to the debt accumulated. This is hurdling me in many areas of my life and I have tried multiply times to dispute these claims, but no resolution has been made that will allow me to move forward with my life from this point forward.
Product: Credit reporting or other personal consumer reports

I found inquiries on my report that I knew nothing about. I want them removed immediately.
Product: Credit reporting

I submitted in several times a credit report disputed to Transunion and I do n't received a final answer of each accounts that are incorrect. The students loan were reported twice. 
XXXX XX/XX/XXXX XXXX Missed Payments Closed XXXX XX/XX/XXXX XXXX Missed Payments Closed XXXX XX/XX/XXXX XXXX Missed Payments Closed The other account is from XXXX that appear 5 missed payments. This account was pay in full and in the credit information is incorrect.