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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have tried to reach XXXX numerous times through the 3 credit bureau's since XX/XX/XXXX 2017 in regards to in accurate information reporting on my credit report. They are reporting duplicated and inaccurate information in which is killing my credit file and costing me thousands of dollars in interest every year.XXXX  /Account# XXXX****is reporting 4 times on my credit report with the same account number.
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTN Fraud Department : Remove fraudulent accounts from my credit report Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 


Fraudulent Closed Accounts : Name of Institution Account Number Date Opened XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX US DEPT OF ED/GLELSI XXXX XX/XX/XXXX Fraudulent Collection Accounts : Name of Institution Account Number Date Opened XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX Fraudulent Inquiries : Inquirer Name Inquiry date XXXX   XX/XX/XXXXFraudulent Addresses : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX , XXXX XXXX, TX XXXX Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. 


Also, update the following accurate personal information to my credit report ; Accurate Personal Information : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX APT XXXX, XXXX XXXX, TX XXXX Employer ( s ) :  XXXX XXXX XXXX Phone number : ( XXXX ) XXXX Enclosed are the following : FTC Report Number : A copy of my Identity Theft Report and proof of my identity. 

I appreciate your prompt attention to this matter and await your reply. 

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

I have unauthorized hard inquiries from XXXX XXXX XX/XX/XXXX, XXXX/XXXX  XX/XX/XXXX, XXXX XXXX XXXX/ XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, and XXXX XXXX   XX/XX/XXXX these inquires were not made by me and need to be removed
Product: Debt collection

Mother passed XXXX of XXXX  Added me to account months prior. Never used account until I was instructed to pay bills for her and rent as she could not do it herself. Used her money which was about XXXX to pay bills as instructed and now company has claimed her debt belongs to me just because she told me to pay her bills using HER money. I have disputed this multiple times with company. They still insist on me paying a deceased persons debt that is NOT my debt. It was her money when it was used. I did not want an account with the original creditor but she added me to account.
Product: Student loan

I attended  XXXX   XXXX   XXXX  for  XXXX  back in   XX/XX/XXXX  t o  XX/XX/XXXX  a  nd I got a student loan through a company called Navient, when  XXXX   XXXX   XXXX  close down back in  XX/XX/XXXX , my loan was sold to a company called  XXXX   XXXX   XXXX . Today when I checked my paycheck stub I notice I have a wage Garnishment for the amount of {$100.00} I notified my employer to ask who is the person taking the money out of my checks and my employer told me it was from  XXXX   XXXX   XXXX   XXXX  I have never received a summons in the mail or any notification that I was having a wage garnishment was being done. I have spoken to represent from  XXXX   XXXX   XXXX  in the past and told them that Im Not able make payments because I just started my job as a flight attendant and I have not heard for them and now I am having money taken out of my paycheck! One, I did not complete my education at  XXXX   XXXX  so I should not be punished for a college that committed fraud and now I have to pay for it
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA, XXXX Re : Account Number : XXXX Item 's Subscriber Number : XXXX To Whom It May Concern, This letter is a response to the notices I received from your company and, more significantly, due to the inaccurate reporting to the Credit Bureaus. I want to make it clear that this is not a refusal to pay but a notice sent in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g Sec. 809 ( b ), and other applicable consumer protection laws. I am requesting that the claim be disputed, and I am seeking validation. 
This is not a request for verification of the debt or proof of my mailing address. Instead, it is a request for validation pursuant to the FDCPA and any other relevant consumer protection laws. I am asking for competent evidence that I have any legal obligation to pay you. 
I request the following information : Clarification on the nature of the debt and the original creditor, XXXXXXXX XXXX 
An explanation and breakdown of how the alleged debt was calculated. 
Copies of any documents demonstrating my agreement to pay the alleged debt. 
Verification or a copy of any judgment if applicable.

Proof that the Statute of Limitations has not expired on this account. 
Confirmation of your licensing to collect in the state of New York. 
Provide license numbers and the XXXX XXXX or XXXX of XXXX. 
I dispute this debt, and until such time as the requested information is provided, all collection activities must cease. 
Additionally, I would like to bring to your attention that if XXXX XXXX XXXX or any affiliated company reports invalidated information to any of the major Credit Bureaus XXXX XXXX, XXXX, or XXXX ), it may constitute a violation of both Federal and State Laws. Any negative mark found on my credit reports will prompt legal action against your company for the following : Violation of the Fair Credit Reporting Act ( FCRA ) Violation of the Fair Debt Collection Practices Act ( FDCPA ) Defamation of Character Furthermore, the listing of this debt may be considered double jeopardy, a potential violation of consumer protection laws. If this debt is indeed a duplicate or has been previously resolved, its re-reporting may lead to legal consequences. 
If XXXX XXXX XXXX fails to respond to this validation request within 30 days from the date of receipt, I request that all references to this account be deleted and completely removed from my credit report. A copy of such deletion request should be sent to me immediately. 
During this validation period, I also request that no telephone contact be made to my home or place of employment. All future communications must be in writing and sent to the address noted in this letter by XXXX. 
I trust that XXXX XXXX XXXX will ensure the accuracy of its records before any legal action becomes necessary. This letter is an attempt to correct my records, and any information obtained shall be used for that purpose. 
Sincerely, XXXX XXXX
Product: Debt collection

failed to validate the account please send copies of all communications sent to i the consumer in question with this account
Product: Vehicle loan or lease

The credit bureaus are obligated by the FCRA to report accurate accounting. ALL credit reports must match with other reports, with XXXX being the most accurate.Said company has 4 days according to LAW to remove such items that do not match with XXXX. I am requesting TRANSUNION and XXXX to provide documentation that shows my credit report is matching my XXXX report.Said Company is liable under the SEC to follow certain rules. I will be filing form XXXX treasury omb forms to audit consumers account if this issue continues. TRANSUNION and XXXX is reporting contradicting information to what XXXX is reporting. XXXX has updated my credit file indicating that the XXXX XXXX Account on file is closed per attached documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I learned today from my car insurance company that I my policy was increased due to LexisNexis reporting that I have an at-fault car accident that in fact was not my fault as per the police accident report. I have been paying a higher premium for years due to this error and I can not understand why this was done. According to the accident report, I am clearly labeled as V2. In the officer 's summary, it explicitly states " V1 CROSSED THE CENTERLINE TO PASS V2 CAUSING THE CRASH ''. Again, being V2, I was deemed not responsible for this accident.
Product: Credit reporting or other personal consumer reports

I opened two credit cards with XXXX XXXX XXXX in XXXX to reestablish my credit so that I can obtain things that I want and need, everything with them was great in the beginning and they were helpful a few times throughout my journey with them and I am thankful for that. However, I have gotten terminated from multiple employers along with losing my vehicle, my home, close people in my life, being cut off and disowned by people in my life due to personal reason in addition to my financial burdens. I have been on the streets, shelters, squatting in vacant properties, washing up in public places and denied XXXX benefits. I have not been able to get steady employment other than under the table which barely makes ends meet, I have explained everything to them, but they are empathic to a point. I try to condone myself professionally, however as a consumer I should have a right to speak out about how I feel about things and my feelings. I have worked since I was XXXX, despite the abuse I received from the age of XXXX and has been ongoing. I have going through emotional and financial stress ( as well as duress due to the current and past issues ). Additionally, they closed one of my credit cards due to return payments in which I have explained that I have gotten terminated from my employment with no financial support, no financial resources, loss of my residence, loss of my vehicle and having slept in various places. I have tried to find employment ; however, I have not been successful and the negativity this account has had on my credit reports have prevented me from having employment, a vehicle and a place to live. I have reached out to several members of management and corporate WHO FAIL TO COMPLY WITH MY REQUEST AS I NEVER ASK FOR ANYTHING BUT I AM HOMELESS WITH NO HOME, NO CAR, NO JOB, NO RESOURCES, NO FAMILY OR FRIENDS!!! THIS IS THE FINAL STRAW AND I AM SICK OF THIS BEING UNRESOLVED. ADDITIONALLY, THEY NEVER NEVER VERIFIED ANY LATE PAYMENTS, ETC!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following unauthorized inquiries from my Transunion credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

I took my car in XX/XX/2023 to check and see why my car wasnt holding coolant, plus more things. After a pressure test was done, I received a phone call saying that my thermostat needed to be changed and a hose connected to it thats worn would need to be changed also. I got other services done but refused to get the leaking thermostat or worn hose service to be done. I received a phone call from Santander Consumer saying XXXX called them saying my car has been abandoned and needed picked up, due to the fact that the guy had sent one number to save to communicate on but called after the first on a different number and I never got a second email, that Im aware of. I picked up my car XX/XX/2023 paying {$1900.00} and when I got down the road I noticed coolant running out faster than it was when I took it. Filling it up again and again for my hour and a half drive to make it home, I later discover all of the fluids I had been putting in was now on the floor board of my car ( 6-8 gallons ). I called XXXX and they first said theyd change the thermostat for just at {$1000.00} off. I then asked about the damages since water had been sitting on the carpet. They asked I bring it back in so they could see where the water was coming from. I got with my financier Santander Consumer and told them both what was going on, as I got it towed in. The following day Santander Consumer called me saying they had received an alert that my car had been abandoned again. I told them what was going on and they asked that I keep them updated. I called to update them first thing XX/XX/2023 when XXXX called me claiming the water was coming from two window seals that needs to be changed. Santander Consumer then told me that my vehicle was already in the process of being picked up, at the request of XXXX XXXX of XXXX XXXX, they was just waiting on the tow truck.
Product: Credit card or prepaid card

on XX/XX/XXXX I paid XXXX of my balance leaving a XXXX dollar balance, on XX/XX/XXXX Capital One charged me XXXX dollar interest fee.??? They will not remove the charge and I asked how can you charge me that much interest on XXXX??? The rep could not give me a straight answer.
Product: Credit reporting or other personal consumer reports

XXXX. THE REPORT OF AN INSTALLMENT LOAN APPEAR ON MY CREDIT FILE. XX/XX/year> XXXX. THE CREDITOR IS MAKING DEROGATORY REPORTS AND DOES NOT HAVE RECEIPT OF MY AUTHORIZED SIGNATURE FOR ANY INSTALLMENT LOAN. 

XXXX. INSTEAD, THE ALLEGED CREDITOR HAS AUTHORIZED THIS INSTALLMENT LOAN THROUGH A NON-JUDICIAL ADMINISTRATIVE PROCESS WITH QUASI-COURT AND A COURT COMMISSIONER. 

XXXX. THE COURT COMMISSIONERS AUTHORITY TO ACT IS LIMITED FIRSTLY BY THE CONSENT OF PARTIES TO ACT. ENTITLED STIPULATION. 2024 CALIFORNIA RULES OF COURT XXXX. 

XXXX. THE COURT COMMISSIONERS ARE ALSO LIMITED TO ACT THROUGH THE ADMINISTRATIVE PROCEDURES ACT. AND THE ACT FURTHER DEMONSTRATES THAT A COMMISSIONER MUST HAVE CONSENT OF THE PARTIES FOR THE SETTLEMENT. 

XXXX. A STIPULATION MUST EXIST ON FILE BETWEEN THE COMMISSIONER AND THE PARTIES. 

XXXX. NO STIPULATION EXIST BECAUSE THE XXXX DID NOT HAVE STANDING TO MAKE A CLAIM AND THUS HAD TO HOLD AN ADMINISTRATIVE HEARING BETWEEN THEMSELVES : I REALITY THE AGENCY EXECUTED AND FILED THEIR OWN ORDER WITH MY NAME FORGED UPON IT CREATING THE APPEARANCE OF A JUDICIAL JUDGMENT. 

XXXX. THEY HAD MY NAME AND MY SOCIAL SECURITY NUMBER SO THEY EXECUTED THE ORDER TO CREATE A SECURITY AND NAMED ME OBLIGOR OF THE CONTRACT. 

XXXX. THE CREDITOR NEVER PRODUCED A CONTRACT AND DID NOT PRODUCE THE REQUESTED RECORDS TO VALIDATE THEIR PROOF OF CLAIM. AGAIN, IN VIOLATION OF 5 USC 552 A. RECORDS MAINTAINED ON INDIVIDUALS.13 SUB SECTION D : ACCESS TO RECORDS. 

XXXX. THE CREDIT BUREAUS ARE BEING DECEIVED BY THE ALLEGED CREDITOR BECAUSE THEY ISSUED THEM AN ADMINISTRATIVE DECISION TITLED MINUTES AND ORDER AS THEIR VALIDATION FOR THE LOAN ACCOUNT. BUT THE ORDER IS NOT VALID ACCORDING TO LAW COURT RULES. 

THE CREDIT REPORTING AGENCY ASSUMES THE ADMINISTRATIVE DECISION IS VALID BUT THEY ARE IN ERROR.
Product: Mortgage

Im behind on my mortgage and have been working with XXXXXXXX XXXX to get assistance to help bring my mortgage current. XXXX keep sending Chase the documents that they need to help bring my bill current but Chase is refusing to send XXXX the requested documents that are needed to help bring my mortgage This is keeping me to get the help that I need before the sheriff sale in XX/XX/2023. My name is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX MN XXXX. Chase Loan number is XXXX.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and I have noticed fraudulent account on my report please remove this account from my report. Its hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter to the company ( equifax ) requesting several accounts to be verified, updated, or removed from my credit report. These accounts are reporting incomplete, inaccurate and unverifiable information. The company refused to properly investigate these debts allegedly belonging to me and they refused to inform me of the outcome of their investigation. Furthermore, the company did not update the inaccuracies reporting to my credit file. 

This information has negatively impacted my credit report and the company has refused proper investigation, verification and/ or removal of these inaccurate accounts.
Product: Credit reporting or other personal consumer reports

I have not been able to retrieve my credit report, in months, due to ALL 3 bureaus having various, reporting the wrong addresses. 

I need my current address to be updated.
Product: Prepaid card

I tried to use the card at the XXXX XXXX  for XXXX dollars on XX/XX/2023 it was declined. I tried to put the XXXX on XXXX it was also declined on XX/XX/2023. I tried to use XXXX dollars at XXXX  on XX/XX/2023 was also declined so I then tried to put the XXXX on XXXX and XXXX they were also declined on XX/XX/2023. 

I was given this gift card for my baby shower. Please is there anything yall can do?
Product: Debt collection

on my credit report it shows I owed a balance on a account dated XX/XX/2023 I have never had an account with XXXX I have always been on my parents account and the last 7 years I have been with mobile, someone stole my identity. 

Jefferson Capitol System XXXX I have sent out numerous of letters stating this debt does not belong to me. if an account was opened it was fraud.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App XXXX Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ).

Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress to these violations.
Product: Debt collection

I received a notice from a debt collector and within their time frame, I mailed them a certified letter asking for copies of bills and payments on this account. ( I think the amount they show I owed is incorrect. I also had been making monthly payments on this account and had telephone conversations with this provider that assured me that if I made payments it would not be turned over to collections ). The collection company then sent me an original copy of said hospital bill after insurance paid that does not show any payments that I made on this account. I sent them another certified letter explaining that I did not dispute this bill, I dispute the balance owed. I also want an explanation as to why it was turned over to collection. I had not heard back from them until today when I got another notice in the mail from them stating that unless they hear from me, collection efforts will continue. Send payment in full today! Do I not have a right to this information that I requested? When I made my payment to XXXX online they never showed me a balance. Yet the next monthly bill would come showing an overdue balance of nearly {$300.00}??? My monthly statements also did not show previous payments made. I just want written documentation showing ALL bills on this account and ALL payments received. Why can I not get this information?
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to correct 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX/XXXX/XXXX
Product: Credit reporting or other personal consumer reports

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

These people ( XXXX ) call almost every hour from XXXX - XXXX. When I answer the phone, they hangup. They have called repeatedly for two weeks. I looked their number up on google and found out that it is a collection agency for Sam 's Club XXXX
Product: Mortgage

I monitor my credit report & score thru XXXX XXXX & XXXX-I recently applied for a mortgage thru complete Mortgage of XXXX who sent to American Financial Resources. My XXXX score from XXXX XXXX, creditwise shows XXXX my score for XXXX from XXXX shows XXXX. My XXXX score from XXXX shows XXXX but when I got my scores back from the mortgage company, they had my XXXX score as XXXX & my XXXX score of XXXX. I know there is some difference in scoring but it makes me think that the mortgage company is trying to get a higher interest rate. I compared the actual reports from XXXX & XXXX themselves against the reports I get from XXXX & XXXX XXXX & there is n't much difference between them. Can you please explain why there is such a discrepancy between these? thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent all XXXX beaus letters in regards to verification of a XXXX credit card account thats incorrect and also ceased from communicating with XXXX ( XXXX ) XXXX. Im asking for verification of debt of chase account being incorrect reported as missed multiple payment. Per XXXX XXXX asking for verification of debt and also how did all XXXX beaus come with such information being reported on my account in regards to XXXX miss payments to a XXXX account.