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

I have several unauthorized credit inquiries from XXXX XXXX from the following dates :XX/XX/2017 XX/XX/2017, XX/XX/2017 and XX/XX/2017. I did not authorize inquiries on any of those dates.
Product: Mortgage

We already submitted a complaint. Complaint Number XXXX, but did not include the relevant documents. 

We could not see a way to add the documents to the Complaint we already filed, so are submitted a NEW complaint WITH the documents. 

Please see previous Complaint Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim.

1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector.

9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters. 
10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; XXXX XXXX balance sheet ( XXXX # XXXX XXXX, XXXX, XXXX ), XXXX XXXX report, XXXX registration statement, XXXX prospectus, XXXX & XXXX XXXX schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt.

12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections.

13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note.

14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.

15. Provide verification from the stated creditor that you are authorized to act for them.

16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.

Disputing the Debt,
Product: Credit reporting, credit repair services, or other personal consumer reports

The name of the company is Santander consumer they have a car in my credit that does not belong to me and will not remove it from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent an affidavit of truth stating that Transunion violated my federally protected rights by reporting inaccurate and unauthorized information on my consumer reports. I never asked you for a verification of the accounts. Since they claim the accounts were indeed verified I did my own investigating. Upon looking at the history between all 3 credit bureaus, I found several inconsistencies in the reporting in all of my accounts. 

I now need the accounts removed : Account Name : XXXX XXXX XXXX Account Name : XXXX Card Services Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX
Product: Debt collection

These accounts were opened around the same time, back in the early XXXX 's, and it's well over the 7+yrs. statue to be on my credit report. I disputed the charges because my wallet was stolen and I called them with the police report number and everything. They were supposed to be checking the atm tapes and following back up with me. They never contacted me back, so I never followed up, thinking everything was squared away.

I found out years later after the fact that they are ruining my credit reports with this.. They KEPT repeatedly putting it back on my credit report after it fell off, making it look like this is a recent account, and it is NOT at All. And because of the old practices of debt collectors back in the XXXX 's, they would ruin your credit by repeatedly putting the SAME DEBT back on your credit report ( sell it to another debt collector for them to start harassing you now. ) after it was supposed to fall off and be done.

I'm tired of them ruining my credit and running my credit score down, because now I can't get certain loans or credit because of them. I know it's illegal what they keep doing to me, but for some reason they keep letting them get away with this, and I say No More.
Product: Credit card or prepaid card

On XX/XX/XXXX I disputed a charge with my credit card company Citi. The dispute was regarding a purchase with XXXX in the amount of {$5800.00}. I disputed this charge due to the fact that the purchase for service I paid for I never received. Citi provided a conditional credit in this amount and advised an investigation would take place. 

On XX/XX/XXXX they asked for additional information which I complied. I provided in great detail. The invoice, emails etc.., and other supporting documentation. I explained the merchant defrauded me of {$5800.00}. They sold me a service that was never provided. They expected me to except another variation of a similar package at an additional charge, which I refused. My emails reflect this companies admission to misrepresenting this package. I have tried unsuccessfully to get this subscription cancelled. 

I have not received the service I paid for. I have not utilized or benefited from any of their products or services that they have otherwise attempted to bribe me with in order to keep my {$5800.00}. This is a fraudulent transaction as this foreign company lied and intentionally misrepresented their product over and over until they got their money. 

On XX/XX/XXXX Citi made the decision to reverse my conditional credit. I received no notification or explanation or advised of any appeal rights or reconsideration. I was not given an opportunity to dispute any information from the merchant that was used in this decision. I called back requesting to speak to a supervisor and was told they dont make calls but I can request for them to review your complaint and escalate it to their department. I was advised there was no direct contact number and that I would just have to wait for further instructions through mail. 

In the meantime they have recharged this disputed charge to my account which has negatively affected my credit standing and generating excess fees and interest. I have submitted several letters and emails to XXXX but have received no response. It is my belief that this unfair decision to make me responsible for this {$5800.00} was made to benefit Citi as they are the ones to stand to benefit from this decision and not to protect its customers from being fraudulently charged for misrepresented services never received. Because of this I have had no choice to request my dispute reviewed unbiasedly.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX -XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 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 an account without my written instructions.
Product: Money transfer, virtual currency, or money service

Tried to do an external transfer from my credit union checking to my PnC checking and it said PNC prohibited it. XX/XX/2020
Product: Debt collection

Very bad comoant they are liars very bad first they lie and say they do no credit reporting their in house then I find out today they are hurting my credir score killing it with their account this is nit fair I called and they act like they dont know what Im talking about and claim they do report ans it wont be removed thjs is the first time an agency is telling me this so even after paying them they refuse to send a pay delete letter for this to be removed Im not paying them a dime until they do so
Product: Credit reporting, credit repair services, or other personal consumer reports

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high- risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Here is the list of items which are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/year>. Since then, the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charge off should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate the account properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding the deletion of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DEMAND THE ABOVE ACCOUNT TO BE DELETED NOT TO BE VERIFIED/UPDATED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unfortunately I have been a victim of identity theft and the accounts listed below are fraudulent, I have faxed and mailed documents to all 3 Credit bureaus seeking remedy per the FCRA but have yet to get any help so I am hoping the CFPB can help me in this case. Please remove these accounts immediately. 

Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account Number : XXXX Account Name : XXXX XXXX  XXXX ( XXXX ) Account Number : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX  ) Account Number : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX  ) Account Number : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX ) Account Number : XXXX Account Name : XXXX. XXXX, XXXX ( XXXX XXXX XXXX ) Account Number : XXXX
Product: Credit card or prepaid card

I opened a business charge account with American Express. However, when I closed the business, AmEx converted the debt to personal debt and hammered my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have contacted Equifax every month since XX/XX/2022, with the most recent XX/XX/2022. I was added to XXXX credit card which has reported to my credit report. However, the score has not been updated to reflect the authorized user account that was added to the account. I was told in XXXX there was an issue with the algothrim and they would have to go into my account to manually correct this. This has not been corrected and it appears Equifax is intentionally refusing to update the credit score to reflect the authorize user. In addition, I have this note on my credit report that : Fraud Victim ( associated with trade ) Report Blocked for Promotional Purposes This was supposed to be removed and it has not been.
Product: Mortgage

1-I have been making extra payments to the principal and my mortgage lender doesn't apply it in the right time, they put the money on my mortgage loan at their convenience, 2-beside that, I requested the cancelation of the escrow payment in my mortgage bill due to they don't pay in the right time period or sometimes they make 2 payments to complete 1 of the property taxes, when they took my money already to make those payment, 3- after I was approved of the cancelation of the escrow payment in my bill, there was remaining money the mortgage lender was suppose to have refunded me so I can make the next property tax bill payment and since XX/XX/2021 Gregory Funding , has not sent me any money back. The total of {$410.00}.

4- I have been making many calls to Gregory Fundings customer service and nobody will help me, they alway say ... oh I will escale your case, oh I will call you back to follow up your case, and never happen, they don't care about the customers at all 5- On the bill statements they put the money on suspense-unapplied, so they don't put the money in the correct day of the mortgage payment date.
Product: Debt collection

I Consumer XXXX XXXX entered into a consumer credit transaction with CARVANA, LLC on XX/XX/2021. A consumer transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer transaction. The finance charge does not include cash, but Carvana, LLC took cash. The Finance charge is suppose to include insurance, but Carvana, LLC made me purchase insurance separately and I am currently making monthly payments to cover any future damages to the vehicle which should have been covered. Carvana, LLC also violated the Securities of United States by altering the contract by taking security interest in proceeds and insurance policy by form of alteration. 

XXXX XXXX XXXX, c/o Carvana, LLC is civilly and criminally liable.
Product: Credit card

On XX/XX/2016 I called TD Bank and it was told me that my auto-pay has been removed by a manager.
Product: Credit reporting or other personal consumer reports

In accordance with XXXX XXXX XXXX XXXX. XXXX. XXXX XXXX Account XXXX has violated my rights. 
15 U.S.C. 1681 Section 602 and 604 States i have the rights to privacy and a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

Specialized Loan Servicing, LLC took my HELOC loan over on XX/XX/XXXX. The outstanding principal balance was {$49000.00} before the loan was paid in full on XX/XX/XXXX. The interest due for the 20 days there was a balance is {$140.00} based off the SLS daily interest rate of {$7.00} X 20 days. 

On XX/XX/XXXX I made a payment with XXXX XXXX XXXX which was the original loan holder of {$300.00}. {$77.00} was applied to the principal and {$220.00} was applied to interest for the period of XX/XX/XXXX thru XX/XX/XXXX. On XX/XX/XXXX, SLS, received a wire transfer to pay the balance of my HELOC to a {$0.00} balance. The wire was in the amount of {$49000.00}, leaving a credit on my account of {$170.00} XXXX {$49000.00} - {$49000.00} XXXX. 

In short SLS, owes me {$240.00} Specialized loan Servicing, has continuously misrepresented the billing history and continues to move numbers around to say I owe money and has sent delinquent notice to the consumer reporting bureaus during the in which we are disagreeing with the companies billing. The right afforded to us have been violated and SLS refuses to dedicate any person to accurately review our account. We have been in a dispute with SLS, since XXXX of XXXX.
Product: Mortgage

I am currently unemployed and live in the state of California. Seterus is the mortgage company that services my loan. The investor on my loan is XXXX and Keep Your Home California ( KYHC ) is making my mortgage payments until I am employed. The escrow portion ( taxes and insurance ) on my mortgage payment went up ( in XXXX 2016 ) which caused the payment to change in XXXX 2016. Seterus was to notify KYHC and advise them of the escrow change and payment change. On XXXX/XXXX/16 I contacted Seterus and spoke with representative about status of loan. My loan is due for XXXX/XXXX/16 and funds in the amount of {$1000.00} for the XXXX 2016 are in suspense. Payment amount is now {$1000.00}. Seterus representative informed me that they do not contact KYHC when there is payment change that I need to do this. I stated mortgage company must contact KYHC when there is payment change. Representative stated they would look into this and call me back XXXX/XXXX/16. I did not receive a call from Seterus. I called Seterus XXXX/XXXX/16 and spoke with Service Lead representative that I received Seterus acceleration letter and did someone from Seterus contact KYHC about payment change. I stated supervisor was suppose to call me back on XXXX/XXXX/16 but I have never received call. He stated supervisors do not call borrowers and stated he was not sure if someone has contacted KYHC. He asked if I had something in writing from XXXX that states payment change process that mortgage company must notify KYHC directly of payment change and for me to email him this info. I stated I would not do this and Seterus must contact XXXX. This person was rude and hung up on me. I am stunned as it seems to me Seterus does not have process in place for payment change when receiving funds on loan from federal funded program. I called KYHC XXXX/XXXX/16 and asked representative if they had received notification from Seterus regarding payment change they stated no. I verified process on payment change with representative and was advised KYHC must receive payment change notification from mortgage company not borrower. I called Seterus again on XXXX/XXXX/16 and requested supervisor but was told I spoke with supervisor on earlier call. I stated I did not speak with supervisor but service team leader. I stated I just spoke with KYHC and they advised me there is nothing from Seterus reqarding payment change notification. Representative stated they will need to check on this and call me back. I stated when will they call me back as they did n't last time. Representative stated they would call back. I also am worried my credit bureau report is being negatively affected which will cause me more problems trying to get a job. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXX Collections XXXX XXXX XXXX : XXXX XXXX XXXX Collections : XXXX, XXXX Collections : XXXX XXXX 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: Credit card or prepaid card

the Economic Incentive payment card I was sent does not work. I can access the Money Network website but I can not wire money out. I can not Activate the card because I can never get a hold of anyone on the 800 line. Therefore, the money XXXX approved is not available to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute a XXXX debt XXXX insurance placed on my credit report for months. I Contacted the insurance company to try and obtain information and some kind of documentation showing me how this account was opened. I have had the same insurance agent with XXXX XXXX  since XXXX. I have never owned a XXXX The other name listed isn't me. I have submitted proof of my insurance throughout that time but they tell me the info is valid because they have my social and birthdate. They admit policy was set up completely online with no face to face meeting or signatures completed. They referred me to the creditor who basically says the same thing. Denies having any ability to provide reasonable proof of my ownership to this account and also has recieved my proof of other insurance as well as a police report made within the time frame of unauthorized opening of debit card accounts in my name. They refer me back to XXXX  and telling me I should just pay the money for this account that I'm begging them to understand is not mine and was opened fraudulently. Throughout the whole ordeal I'm filing multiple disputes that are being declined. Then they agreed removed the report my credit score increased however days later they again put the report on my account now using the current date of XX/XX/XXXX meaning I have to wait 2 more years for it to be removed from my credit file. Now it looks like the debt was from today and they have blocked me from being able to do any further disputes. Unfair.