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

The unverified inquiries indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these inquiries to be deleted ( A ). I will take legal action against you if you do not validate these inquiries. Please follow the law so that this situation can be settled quickly. 

XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date XXXX inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX of inquiry : XX/XX/XXXXXXXX XXXX  Date of XXXX XXXX XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX TO Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of XXXX : XX/XX/XXXX XXXXXXXX XXXX  Date of XXXX : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXXXXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting an inaccurate charge off account on my reports with multiple inaccuracies. This account was previously deleted from my reports by XXXX back in XXXX XXXX XXXX  but has been recently inserted back onto my reports. Per the consumer laws, I am supposed to receive a letter in the mail with a five day notice of any accounts that will be reinserted onto my reports and I never received anything from them, XXXX nor XXXX XXXX. 

I have contacted XXXX XXXX directly along with each bureau requesting documents and how did they verify this account and have never received any sufficient proof or documents to me as requested. Not only have I not received any documents but each credit bureau is reporting very drastically different information. 

Transunion is reporting an open date of XX/XX/XXXX, a high credit if {$500.00}, a last report date of XXXX a last active date of XX/XX/XXXX and a last payment date of XXXX 

XXXX is reporting an open date of XX/XX/XXXX, a high credit of {$0.00}, a last report date of XXXX a last active date of XXXX  and a last payment date of XXXX 

XXXX is reporting an open date o XXXX, a high credit of {$350.00}, a last report date of XXXX  a last active date of XX/XX/XXXX and a last payment date of XX/XX/XXXXXXXX 

If all of the credit bureaus are getting their information from the same place, how is it that they are all reporting very different information. Given the facts of this matter the credit bureaus as well as XXXX XXXX is clearly in violation of the consumer laws and should delete this account from my reports immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name and date of birth are incorrect on many of my accounts In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 acount without my written instructions
Product: Debt collection

I contacted DIVERSIFIED RECOVERY today, XX/XX/2011, after repeated phone calls to myself ( sometimes multiple calls per day ) as well as to family members -- in order to request their address so I could send a registered-mail written request to cease & desist phone contact as well as to request a written notice of the debt. 

I was abruptly interrupted & asked if I was going to pay this debt. I responded that I was not going to have that conversation at this time & repeated my request. I was again interrupted & the agent began shouting at me, disregarding my request & asking me if I was going to pay the debt & why I was n't. I requested their address a third time & stated that I would be contacting the FTC, at which time the agent said she was transferring me to a manager. At this point I hung up & called FTC. 

The agent did tell me that the debt was in the amount of {$6800.00} / XXXX, which according to stale debt/time-barred legalities, exceeds the statute of limitations as this account was closed & has not been paid on for at least seven-years.
Product: Debt collection

XX/XX/2018/Cert. Mail delivery date-XX/XX/2018, XX/XX/XXXX, XXXX/Cert. Mail delivery date-XX/XX/2018, XX/XX/2018/Cert. Mail delivery date-XX/XX/2018 and XX/XX/2018/Cert. Mail delivery date-XX/XX/2018. I've sent numerous letter ( s ) to XXXX XXXX to have this account " investigated '' because I have no knowledge of this account that's why I've been requesting competent evidence bearing my signature, showing that I have or even had some contractual obligation to pay {$12000.00}. I've also notified xxxxxxxx xxxxxxx in my letters that their wilful non-compliance to follow Federal and local State laws dependent upon their response ( s ), that I may be detailing any potential issues that I see fit regarding their response to my request ( s ) will be used to file a complaint with the Consumer Financial Protection Bureau, Attorney General 's Office and XXXX XXXX XXXX, via sent certified mail. Thus far, I have received ( 6 ) responses from xxxxxxxx xxxxxxx and none of their response ( s ) have any documentation bearing my signature to establish that I have any contractual obligation with this company for them to be trying to collect any monies they say I owe them or to be providing unverifiable and incomplete information to XXXX, for it's reporting purposes.The furnisher is providing unverifiable and incomplete information to me and to the credit bureau with bare bone jargon and itemize statements which are insufficient and not validation. This information is being reported as being verified information and this is clearly not validation but a clear violation on both parties of the law, of the furnisher and the credit bureau ( XXXX ) of the FCRA & FDCPA and local state laws. I request to have this issue investigated and if it's determined that federal and state laws has been broken i request that this account be immediately removed from my credit profile with the credit bureau ( XXXX ).
Product: Credit card or prepaid card

On XX/XX/2019 I opened an Ace XXXX Account under the promotion of receiving {$100.00} after establishing a direct deposit. I established this deposit on XX/XX/2019. My fee was changed from {$10.00} a month to {$5.00} a month due to the establishment of a direct deposit, but my {$100.00} never posted.
Product: Credit card

I did a balance transfer to Chase they gave me a offer for XXXX XXXX till XXXX. 

From one month to the other they started charging me Interest for my balance transfer before XXXX  They saying it's like this because when I do a payment for my new purchases from this months statement they put the money towards the balance transfer first so after that they say that they have a reason to charge me Interest because I have not paid off my new charges...
Product: Debt collection

I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX/ {$18000.00} / XX/XX/XXXX XXXX XXXX / {$0.00} / XX/XX/XXXX XXXXXXXX XXXX/ {$0.00} / XX/XX/XXXX XXXX XXXX/ {$2900.00} / XX/XX/XXXX
Product: Credit card or prepaid card

My Capital One credit card was stolen on XX/XX/2023 and a fraudulent charge for {$800.00} was made later that day.
Product: Mortgage

I took out a home loan in 2004 with XXXX XXXX DBA XXXX. CALIBER HOME LOANS now claims to be servicing my loan. I have sent this is a Qualified Written Request ( QWR ) to TRUSTEE CORPS and CALIBER HOME LOANS to validate the following and they have still not replied : 1. ) Evidence of actual possession of the note by the alleged Trust. 

2. ) XXXX XXXX does not have authority to foreclose since we do not know who the owner of the Note truly is. 

3. ) CALIBER HOME LOANS is merely a servicer and does not possess the Note and has no enforcement rights, nor ability to foreclose. 

4. ) XXXX has sent us the attached document showing different amounts due and is claiming to be conducting this unlawfull foreclosure. 

5. ) In order for you to institute a valid foreclosure proceeding, you must be able to establish compliance with CCC 3-301, at commencement of the foreclosure proceeding, the recording of the notice of default was 2 years ago and wrong. 

6. ) The most basic requirements of CCC 3-301 ( a ) or CCC 3-301 ( b ) have not been met : 7. ) 3-301 ( a ), Holder of the instrument : The previous entity that filed the Notice of Default and subsequent actions was not the Holder of the Note the entire time. 

8. ) We now challenge transfer and possession, and under California law, there are two requirements for a person to qualify as a Holder : ( a ) ACTUAL POSSESSION : We need to know who is the company/person with actual physical possession of the instrument, and ( b ) TRANSFER BY ENDORSEMENT : the instrument is not payable to that person where the transferor must indorse the instrument to make it payable to the transferee ( See CComC 1201 ( 20 ) ; CComC 3205 ( a ) ;. 

9. ) We now demand inspection of the original note. 

10. ) We now demand proof that possession existed when the Notice of Default was  entered. 

11. ) We now question the endorsement and negotiability since it was not proper and timely. 

12. ) We do not know when the note was endorsed? 

13. ) Who was it endorsed to? 

14. ) Is there an agency relationship between the foreclosing agent and endorsee? 

15. ) Is there a purchase and sale agreement that gives Holder rights, and did it exist prior to the Notice of Default?
Product: Debt collection

Disputed with the company on several occasions and they still havent provided proof in a timely manner. The FCRA gives the company 30 days to respond. I have not gotten a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

My lender XXXX XXXX XXXX XXXX XXXX has agreed to remove all late payments ( 4 ) and the remark repossession redeemed from my credit report. A copy of the attached letter was sent via USPS 45 days ago to all 3 credit bureaus XXXX XXXX, XXXX and Equifax XXXX per XXXX XXXX instructions. To date XXXX and Equifax have not deleted/updated the late payments on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of [ specific item, e.g., bankruptcy ] on my credit reports with XXXX, XXXX, and TransUnion, as reported under XXXX XXXX. XXXX. It has come to my attention that this information is being reported inaccurately and is in violation of the Fair Credit Reporting Act ( FCRA ) code 611 ( 15 U.S.C code 1681I ).

As per FCRA code 611, any information that does not comply with the accuracy requirements must be promptly deleted from all credit bureau records. Therefore, I request that you investigate this matter and delete the inaccurate information from my credit reports with XXXX, XXXX, and TransUnion. 

I kindly request that you review this dispute and work with XXXX, XXXX, and TransUnion to delete the inaccurate information from my credit reports as soon as possible. 

Thank you for your attention to this matter.
Product: Credit card or prepaid card

The card is a capitol one quicksilver card. 
There was a charge from capitol one travel on my card. 
I spent 1 hour trying to resolve it, nothing was done. 
Then I spent another 20 minutes at which time the card was locked, so right now I have no credit card that I can use. These are both capitol one companies ... and they are treating the credit card customer like XXXX. They will not talk to each other and resolve the matter. 

Plus, all 5 customer service people that I talked with were pretty rude. Women in XXXX do not need to be referred to as " Miss '' XXXX!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im trying to get a derogatory mark off my credit report because XXXX did not listen to my claim that someone was using my identity to open XXXX accounts. The opened accounts are now in collection and has affected my credit score. I have allay filled a police report and they still did not do anything about it. They just care about opening accounts. 

Credit reporting companies are not helpful and I can not get a hold of them to fix it. 

Im also unable to contact the collection agency.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report back on XX/XX/year>, and noticed some things are incomplete and not accurate. I sent a letter to TransUnion on XX/XX/year> and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix anything. They are breaking several Federal laws.

According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I also asked them to provide me with a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. But they did not do that as well either.

They are also breaking these laws as well below According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors : 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. ( B ) Reporting information after notice and confirmation of errors : A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Vehicle loan or lease

My car was repossessed in XX/XX/XXXX I went outside and it was gone. My engine went out in XXXX I requested my warranty information and a extension at the time because it would be difficult to pay my XXXX dollar car note pay for rides to work pay my bills maintain insurance take care of my daughter pay my rent and buy back to school clothes and supplies. My Warranty was included with my car for the length of the loan and no one responded to my inquiries, when I called the payment number they representative told me she only collects payments. I called everyday, because I needed to get back to work. I couldnt work after my engine went out and then my car gets repossessed. I felt hopeless couldnt reach anyone for information pertaining to the repossession. I had valuables in the car. All my documents and contracts from us auto were in the glove box. My engine was supposed to be fixed and covered by warranty. I had no information on them and when I called Us Auto office on XXXX XXXX XXXX no one answered and calls were being forwarded to the payment center and they now arent answering the phone. I had no idea of the closure until XX/XX/XXXX. My sister told me about a lawsuit thats pending because they sold their contracts to another company apparently. I was due to pay my car off in XX/XX/XXXX and my car was repossessed in XX/XX/XXXX. I paid XXXX dollars the price of my car when I bought it was XXXX. Its just crazy at the end of my contract when Im due to pay my car off the engine goes out and the car get repossessed after not even 30 days of non payment. After it was repossessed I didnt know where to go who to call or nothing. I didnt have anyone to help me or know what to do in this situation. I was never more than 4 days pass due on a payment in the 3 years I had my car and it gets repossessed 1 month after being delinquent. It was not my fault that US Auto was unresponsive and unavailable to provide me with the necessary information assistance or documents to contact my warranty company to get my engine replaced. I paid XXXX XXXX for a diagnostic for no reason, that was money down the drain because I didnt have a warranty company to provide the information to. I still feel hopeless. You know how long it took me to save XXXX for a down payment. Its extremely more difficult now to save that kind of money. Its been 8 months and I still dont have a car or the money to get another one.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did file a complaint # XXXX but will again. I clicked on an ad that read '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX  '' on XX/XX/XXXX. It was explained to me to initiate the report I would have to submit a refundable {$1.00}. I did and received credit scores claiming to be from XXXX, XXXX and XXXX but no report. I thought this is free so scores are okay. I was looking on my bank account on XX/XX/XXXX a company named XXXX had withdrawn {$39.00} without my knowledge or consent. I immediately looked them up and found out they use many names but the parent company is One Technologies of XXXX, Texas. There are many complaints posted about how they have stolen from people by baiting and defrauding people. They were sued by the FTC and the states of Ohio and Illinois in XXXX. They had to refund {$22.00} XXXX dollars and are still continuing to profit by fraud. Today I called a number listed for them XXXX. No one was available leave a message. I did leaving my complaint, phone number and request for a refund. I called another number XXXX. A rep. named XXXX answered the phone for XXXX. I told him my compliant and requested a refund. I told him I don't have an account number because I never opened an account. He apologized many times be couldn't find my account under the email I had given and asked if I had another. I gave him it. He started talking about the humid weather that morning in XXXX. He talked about XXXX rain was the most recorded. How they were having floods. He was sorry about his voice it was from the mold and mildew. He told me how a bridge fell on a subway. I was silent while he talked. He wasn't engaging me so he then popped in " there is a note here '' that he had to ask his supervisor about please hold. Hold I did. I was not going to hang up. After some time he came back and said my account is being held at the corporate office, any further contact will have to be with them. I asked for a phone number. He said let me see and said that he did not have a phone number for them. He gave me the address, which I already had ... XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Texas,XXXX. I asked him what is their name? " XXXX is a product of XXXX XXXX XXXX ''. I will not have to contact them they will contact me. I asked approximately how long will I have to wait? He didn't answer but apologized for his reaction to mold and mildew. I then called CFPB and spoke to XXXX. I have some captures of the money they stole from me so he referred me to make a compliant online. I went to my inbox and found that XXXX had asked for my other email to send me a notice not to find my account. It was a cancellation notice as of XX/XX/XXXX for an account I never had! A confirmation number was included XXXX and a phone number to speak to one of their customer care professionals at XXXX. These people are flimflam thieves and need to be in jail.
Product: Credit reporting or other personal consumer reports

I have mailed and completed online disputes on my credit report for the following debtors : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. I have requested to receive documents that have my wet signature that I entered into a contract with, and never received documents. Account with XXXX XXXX has been paid in full and have no late-payments and the company has been reporting incorrectly for the past year. I have submitted and emailed reps at XXXX with proof that the car was paid with a trade in purchase from XXXX. XXXX XXXX is an issue of identify theft and have reported to proper channels this debt has been removed from XXXX and Transunion but yet remain on my report. The other accounts listed I have no knowledge of and are identity theft because I have no knowledge and have made no dealings with these companies
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no records of doing business with the companies I found on my credit report. I have filed a FTC ID theft report for the following accounts : XXXX XXXX XXXX, XXXX   XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX. please delete/remove these account they are not mine. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX NEW YORK XXXX.Please remove any other address.
Product: Checking or savings account

see attachments new information compiled by a former compliance officer of several banks., presented in a more logical way, what I wrote before was scattered but 100 % true.
Product: Checking or savings account

I received two overdraft fees on transactions that did not overdraft my account. I show on my account that these transactions did not overdraft my account. In their ridiculous ploy to steal money it even shows on my account history that other transactions posted after the two in question that were not assessed an overdraft fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX should not be reporting the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is well over ( 7 ) years old and should not be on my credit report. This false reporting is seriously harming my credit score and this line item needs to be removed. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.