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

Account # : XXXX This complaint is to inform you that the above referenced account being reporting by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. I am disputing the following information directly with you, the furnisher of information, and I am AGAIN requesting that you conduct an investigation as outlined in the FCRA Section 623. I am again requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with any corresponding local state laws. 
I recently filed a dispute in with the CFPB on XX/XX/XXXX regarding this matter. I received a response back from XXXX XXXX. Per my request she failed to provide me with a copy of viable evidence, showing that the account is being reported accurately. 
Upon obtaining my credit reports again after her response, I still have several inaccuracies being reported across the three credit bureaus. This is direct violation of FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681S-2 ] XXXX states in her letter to me that the said account was charged off on XX/XX/XXXX. She also confirmed that I settled the account on XX/XX/XXXX but it did not post until XX/XX/XXXX. She did not address the issues that I have mentioned regarding the inaccuracies being reported across all credit bureaus. The investigation I requested per her response was never conducted, another violation. 
Again. The following are being reported as follows Date of last activity : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Experian : none reported Late Reporting : Date XXXX Experian XXXX XX/XX/XXXX 60days 30days ND XX/XX/XXXX 90days 60 days ND XX/XX/XXXX 90days 60days ND XX/XX/XXXX 90days 60days ND XX/XX/XXXX 120days 90days ND XX/XX/XXXX ND FP ND XX/XX/XXXX ND FP ND XX/XX/XXXX ND FP ND Per XXXX response if the account was paid in XX/XX/XXXX, how are you reporting FP for XX/XX/XXXX with Experian? 

Im attaching proof of all my findings by providing copies of my credit reports across the bureaus. If you are not willing to provide me with some sort of proof to validate these reportings, I ask kindly that you delete or suppress this credit reporting due to the direct violation of the Fair Credit Reporting Act ( including but not limited to Section 623-a-3 )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act*, my rights have been violated and I continue to financially, mentally and physically suffer due to these violations as well. Every violation was taken from XX/XX/2022 Credit Reports furnished by XXXX, XXXX and/or Transunion, post several attempts to have removed directly. 

XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX  XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX AND/OR XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXXXXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX & A Account # XXXX ***, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, 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: Debt collection

They pursued a debt I did not owe all the way to district court where they were forced to make a motion to dismiss their claims with prejudice. They never verified the debt as required by law. They could not produce a bill or name the services provided or which doctors provided them. They also never verified that they had a real relationship with the creditor. 

They are essentially indistinguishable from a scam. They were sloppy and incompetent, filing the same motions with the court twice and using multiple different names for the alleged creditor. It was clear that they dishonestly hoped to try their odds in court to get a judgement or use the proceeding as an intimidation tactic. 

They need to be investigated and fined and/or charged for their borderline criminal behavior.
Product: Consumer Loan

My XXXX vehicle was repossessed on XXXX. I received a certified letter on Saturday, XXXX XXXX from Santandar Consumer USA Inc. dated XXXX that I had " under Georgia Law , you have the right of redemptionand the right to demand a public sale of the Vehicle. To exercise your right to demand a public sale, you must notify us that you want a public sale within ( 10 ) days from the date of we mailed this notice. You must send the notice by registered or certified mail or statutory overnight delivery addressed to Santandar Consumer USA Inc., XXXX, TX XXXX. '' My complaint to your agency is that Santandar purposely and knowingly timed the attached certified letter to be received on the 10th day after their letter was generated causing the ability for me to respond and exercise my rights under Georgia Statue for a public sale not possible. On XXXX after arriving back from a business trip I have sent Santandar Consumer USA Inc. a certified letter Priorty Mail demanding public sale of said vehicle. My question is how can anyone respond to this timing of their letter being received on a Saturday afternoon. My second question is why did Santandar send this certified letter on XXXX and not earlier knowing that time of essence is essential to get fair market value of said vehicle. I want to know if this has or is happen to other complainants.
Product: Credit reporting

To whom it may concern : I am writing to dispute errors on my credit report that show some of my accounts as past due, in collections and charged off/missing payments. I have attached payment records of all debts referred to in the chart I have attached as a word document, which I provided for my background check. These errors are hurting me from attaining clearance for a government job, as it seems I am not paying my debts, especially my government student loans, which is not the case. If these errors could be corrected/updated it would be very helpful.
Product: Credit reporting or other personal consumer reports

TransUnion has been asked several times to remove the 2 negative accounts reporting by XXXX XXXX  as they are inaccurate for 2 reasons They are constantly reporting monthly these accounts as a charge off status when they are also claiming they have written the debt off which means they should not be reporting it as a charge off monthly if it has been written off and I have requested the cancelled debt form they are required to give for all written off debts of {$600.00} or more I also provided transunion with court documentation showing that when I was taken to court by XXXX XXXX for the debts that the debts and case were dismissed by the courts and transunion still refuses to remove those accounts from my report they continue to allow XXXX XXXX to " tell '' them that the reporting is valid even when I am " showing them '' through legal documentation that it is not. That is not fair to me as a consumer because as they continue to allow these accounts to stay on my report it is negatively impacting and preventing me from obtains credit based products due to this false reporting. I am requesting that they REMOVE those 2 accounts from my report immediately to solve this complaint as not doing so is in violation of the Fair credit reporting act. Last conversation with an Transunion representative after being hung up on twice and then directed to call another number that was not valid for transunion was on XXXX XXXX XXXX XXXX  this is my 6th attempt in over 8 months to get these accounts removed from my credit report and they are still refusing and allowing untrue and unverified information from my report even after they have been provided court documented proof saying that the creditor didn't validate it, why would they if they want to continue to negatively impact my report I believe my reason for uploading proof is to prove that what they are reporting and continuing to validate is untrue and not valid.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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 XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I contacted Equifax and XXXX and they refuse to give me my credit reports I have been trying to contact them for 2 years and they refuse to give me the information stating that I have not answered the security courses correctly so they informed me to mail them a copy of my picture ID driver 's license and proof of residency and I did that on both the cages which the last time was 2 weeks ago they also refuse to accept the dispute letters that I gave them concerning XXXX XXXX agency which raise the price of the debt 3 XXXX bills which I turned in for XXXX XXXX fraud and now I received a letter for XXXXXXXX XXXX XXXX stating that I owe them {$2000.00} from XXXX which they had closed it but since student debt is being paid off now they come out and said as if XXXX the XXXX I owe them {$2000.00} so they turned me over to the XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX of collection and they said if I don't pay {$2000.00} in the next 7 days they're going to take my home freeze my bank account and put a lien on my house and I will be homeless because I don't have a job and I don't have a bank account and I will upload all the information that they mailed to me thank you please help me
Product: Credit reporting or other personal consumer reports

This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account number attached in document Please provide me with : 1. What the money you say I owe is for. 
XXXX. A detailed explanation of how you calculated what you say I owe. 
XXXX. Copies of any and all papers that prove I agreed to pay what you say I owe. 
XXXX. A verification or copy of any judgment, if applicable. 
XXXX. The identity, name, and address of the original creditor. 
6. Proof that the Statute of Limitations has not expired on this account.

7. Proof that you are licensed to collect in my state. 
XXXX. Your license numbers and XXXX XXXX or XXXXXXXX XXXX XXXX. 

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( Experian, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : 1. Violation of the Fair Credit Reporting Act 2. Violation of the Fair Debt Collection Practices Act 3. Defamation of Character
Product: Credit card

Since about XXXX, when I tried to login to my Capital One account I was having an issue. Now, I have been living in the XXXX since XXXX. I have called around over XXXX times trying to resolved this over the years. Capital One requires some type of XXXX govt identification in order for me to access my online account. I used all other gov't identifications as well such as my passport, retired military id, XXXX XXXX, XXXX Driver 's license and my expired TX driver 's license that may be able to unlock my account. Capital One has refused all the identifications that I submitted. Also at times a code is sent to the last known XXXX phone number. It has to be with a XXXX phone number! I can not access my account due my XXXX phone was not working in the XXXX. Well, I bought a XXXX XXXX installation kit and obtained a XXXX phone number, I did this with XXXX as well. Capital One will only support a XXXX phone number that has a carrier, such as XXXX, XXXX or any other XXXX carrier. I was unaware of that and can't get a policy about it. I have tried to use a relatives number but since I never get a response back from them and I get nowhere. I am paying for a service that I am not receiving nor can I monitor. I have no idea if any unauthorized transactions have taken place unless I call. I have no intentions to go back to the XXXX and especially just to obtain a driver 's license. I keep telling Capital One that I will suspend my payments for services I am not receiving. I even messaged the CEO and top company execs and still nothing. What can I do legally to access my account. Stop payments and hopefully they will take me to court and explain my side of the story of how I am at a lose-lose situation. I have made numerous suggestions to the top of the ladder and again, nothing. What do I do from here?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX XXXX  Account # XXXX has violated my rights 15 USC 1681 section 602 A. states I have the rights to privacy.

15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I was requesting the copies of my free credit report that I am to be able to access once every 12 months for free. I was able to obtain my XXXX and XXXX reports, but for some unknown reason, my Equifax credit report was not generated. This makes no sense to me since I was on XXXX and had provided the same information for all 3 reports. I was able to obtain two of them, why not three. I need the copy of my report to make sure that nothing is appearing on there that should n't be. I feel that a company may be trying to commit fraud on my credit report and you, Equifax, are hindering that.
Product: Credit reporting or other personal consumer reports

I do not recognize the following inquiries on my credit report : XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

i use paypal for recive money from customer ( my website service XXXX XXXX XXXX XXXX  XXXX since XXXX XX/XX/XXXX my paypal account permanently limited i try to read " PayPal Acceptable Use Policy '' https : //www.paypal.com/th/webapps/mpp/ua/acceptableuse-full but i still have no clue what am i doing wrong i think my website are legit and this might be automated suspensions faulty. 

this not fair to me
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 one of your financial lenders put an inquiry on my credit for rates on a housing loan without my consent.
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 correct from erroneous reporting in my file are listed on my credit report : 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 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 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 XX/XX/XXXX
Product: Debt collection

This company has committed fraud and aggravated identity theft by acting on my behalf with my private data pursuant to 18 USC 1028. They brought my data from a defaulted note purchased from XXXX XXXX XXXX  XXXX ; buying defaulted notes is a violation of UCC 9-110 and UCC 2- 401. As a private natural person consumer I have ben violated. They use the Credit Reporting Agencies to furnish a deceptive form on my report to make it seem as if there is a debt owed which is a violation of 15 USC 1692J. Apparently this company is a third party debt collector who unlawfully and illegally brought a defaulted note. Pursuant to 15 USC 1692c I never gave this company permission directly or indirectly to communicate with me. I have no contract with MIDSTATE COLLECTION SOLUTIONS. This company has used my data without authorized use which is a violation of 15 USC 1602P, to furnish a deceptive form to make me believe a debt is owed which is a violation of 15 USC 1692J. This company has committed fraud through the mail and by Credit Reporting Agencies stating I owe a debt that is discharged which is a violation of 15 USC 1692B ( 2 ). This company has used deceptive means like letters and using the CRA 's to communicate and furnish fraudulent information with my data to coerce me into paying a debt which is a violation of 15 USC 1692E ( 10 ). MIDSTATE COLLECTION SOLUTIONS can not and will not ever produce a contract between me XXXX XXXX and MIDSTATE COLLECTION SOLUTIONS because that contract does not exist.
Product: Credit reporting or other personal consumer reports

1. Accuracy of Reporting : Issue : If the balance, payment status, or any dates are inaccurate, this violates 1681s-2 ( a ) of the FCRA, which requires information furnishers to report only accurate information.

Possible Concern : For accounts charged off or closed, balances often should not continue reporting inaccurately or past due amounts can require correction.

2. Disputed Information : Issue : If the consumer disputes the information, creditors and credit bureaus must investigate and mark the account as disputed. If disputed is noted but inaccuracies remain unresolved, this violates FCRA 1681i.

Remarks Field : Some accounts are marked as disputed by consumer, but the presence of errors after this notation might suggest improper investigation.

3. Balance Reporting on Charged-Off Accounts : Issue : Once an account is charged off, it should not report inaccurate balances or statuses. Continuously reporting a balance after charge-off while no payments are made may indicate a reporting error.

4. Last Payment Date Inconsistency : Issue : If the reported Date of Last Payment or Closed Date doesnt align with account statuses, that may violate the requirement for timely and complete reporting.

It is clear that my consumer rights are being violated. If this is not deleted I will be forced to take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a hard credit alert from my banking institution from Bank of America claim # : XXXX. I have contacted all ( 3 ) credit agencies in this regard ; they provided me your website to file w/ you as well to expedite/complete the process on their end.
Product: Checking or savings account

Wells Fargo Bank at the corner of XXXX and XXXX and city wide in XXXX XXXX Texas outsources their ATM Services to a third party vendor. These machines are constantly broken down at least once a month. These ATM machines often do not function at all and when they do they function poorly. 

On XX/XX/year> I deposited {$700.00}. I counted the cash before deposit and verified that the amount was {$700.00}. I did so because about three weeks prior a Wells Fargo Bank location in XXXX XXXX XXXX had shorted me {$100.00} and I was able to obtain a credit for that amount. I followed the recommended procedures and called the XXXX number on my deposit slip to file for an investigation from the ATM Claims Department XXXX On XX/XX/year> a letter was sent out from the ATM Claims Department that the amount I deposited the was {$600.00} not {$700.00}. I spoke to XXXX and his supervisor and informed them that I had in fact deposited {$700.00} that day not {$600.00}. They failed to honor my claim to my money. 

Wells Fargo steals money from its customers through ATM machines that do not function to serve customers needs but rather steals money from unsuspecting customers who use their ATM 's. A review of their bank records will confirm that their ATM break down monthly and I am probably on of many in a class of consumers that are being defrauded by Wells Fargo bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted complaint XXXX on XX/XX/21 explaining that I am a victim of identity theft, which I have been explaining to Transunion but they continue to make me jump through hoops to remove the fraud information from my reports. I have included the ID theft report as they have requested in this complaint because they keep saying they don't see the last ones that I sent them. They only looked at one item. Please review all the information that is listed on this identity theft report that I have attached again.