23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX  sold a debt that was not valid to Crown Asset.  XXXX XXXX sold the debt after failing to provide validation of debt under 15 U.S. Code 1692g.

The debt is not valid. XXXX  knows the debt is not valid. The entire account must be removed from my credit report not sold and sold again to try to legitimize it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My report says on one of my credit cards that I have a missed payment when I know for a fact I have never missed a payment.
Product: Debt collection

This number keeps calling saying to contact any agent back at RSI enterprises. The do not give any other information so I'm not even sure if they are legit or a scam. They don't even say what they are calling for.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting

I was told today when I asked for a credit limit increase that there are XXXX payments to a car loan that I 'm a cosigner on that we 're over 30 days late and on my credit report/score as late payments. I was never notified that there were late payments on this loan through XXXX. I contacted them today about it and they were unable to explain why I was never notified of these payments being late and therefore I was never able to take care of it. This information on my credit report of late payments is false as I was never notified and therefore unable to rectify it.
Product: Checking or savings account

Bank of America was informed on or about XX/XX/2019 of a Chapter XXXX Bankruptcy. They said that they had received the notification but they continued to charge fees and refused to shut off a debit card attached to a checking account. I told them I did not want Debit Card usage outside of the funds availability in the account but they ignored that claim. On XX/XX/2019 the bankruptcy was discharged by the XXXX XXXX XXXX New York. 

I received notice in the mail that the account was closed with a negative amount of approx : {$220.00}. When I advised them they said that they would continue to collect on this matter, but it was included in a bankruptcy which they ignored. 

It should be noted the bankruptcy was no asset and this matter needs to handled.
Product: Mortgage

Date : XXXX  Borrower ( s ) : Loan Number : # XXXX Property Address : XXXX XXXX XXXX Lender : Fay Servicing , LLC or XXXXXXXX XXXX XXXXXXXX XXXX XXXX On XX/XX/XXXX my credit was checked from XXXX XXXX XXXX ba of : FAY SERVICING LLC Without authorization without me signing the credit authorization, after I called the Informative research which was the company that checked my credit they provided me a credit authorization form that was not docusigned by me but from one of the companies employee. I have screenshots of 4 different companies that Ive signed paperwork through XXXX and underneath my name its the same tracking number that identifies my email but on this credit authorization its a different number which proves very easy that was not signed by me. They committed fraudulent activity, been trying to get ahold of them but cant find someone to answer my questions, the reason why they XXXX  this paperwork under my name is because rechecking my credit would have been a dealbreaker and my loan officer knew that pretty well thats why they never asked me to re run the credit but they signed it by themselves. I got all the screenshots for the conversation with the loan officer that she agreed that this credit authorization was not signed by me because she was the one that collected all the documents for the cash out refinance loan.
Product: Credit reporting or other personal consumer reports

I have been trying to remove a charge off account XXXX from Capital One that has multiple inconsistencies and is not my account. It is ruining any chance of me getting credit of any kind. I have asked for validation of debt numerous times and have never received anything.
Product: Credit reporting or other personal consumer reports

I have found inaccurate information on my credit report. I disputed the items in several time and each investigation has not fixed the errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a joint account for a mortgage loan that was included in my previously discharged Chapter XXXX. The loan was sold to a different company thats trying to illegally Re-report the same discharged debt. Ive repeatedly reported to Equifax that this account should be removed from my file. They would take it off then it would reappear months later. The company is XXXX XXXX XXXX. This company is willfully violating the Fair Credit Reporting Act. Equifax is allowing them to do so by not removing this completely from my file. XXXX and XXXX   already removed from their file.
Product: Credit reporting

Completed chapter XXXX and paid off taxes, both state and federal. I have contacted XXXX and my report still shows liens by the FED and State.
Product: Credit reporting or other personal consumer reports

I am reaching out to formally file a complaint and request the immediate removal of an account from my credit report related to a vehicle that was illegally repossessed. 

The details of the account are as follows : Creditors Name : XXXX  XXXX This repossession was carried out without due legal process and in violation of the terms outlined in the contract. Furthermore, I have not had possession of this vehicle for over XXXX months, making this account not only inaccurate but also an unfair negative mark on my credit report. 

I hereby demand, under the Fair Credit Reporting Act ( FCRA ), that you conduct an immediate investigation and remove this account from my credit file. I also request written confirmation of its deletion within XXXX  days, as required by law.
Product: Checking or savings account

My mother died on XX/XX/XXXX of XX/XX/XXXX. I have been using the joint account that she, my brother, and myself have shared while I was her XXXX for about 10 years. I have been on the account for 20 years. I have her will in probate court, but my attorney is lackadaisical about the matter. Over the course of the past 2 weeks Bank of America has frozen my checking account twice for no apparent reason.They seem to need information about my brother, but ... my brother has no interest in this account. He has not lived here for 27 years. On XX/XX/XXXX my account was frozen by BofA with NO notification because they needed some sort of information about my brother .... I was told it was rectified. This morning my account was frozen again. XX/XX/XXXX. Apparently, BofA needed some sort of info regarding my brother they never worried about for the past 30 years. I have spent 4.5 hours on the phone today just trying to figure out what BofA wants, called my brother and went to the bank ... The " financial center manager ... ... XXXX XXXX '' sort of helped me but, he pretty much brushed me off. I deposited my mothers life insurance policy into this account last year, just to cover basic utilities. Gas, water, electric, and phone ... ..While I finish college and clean out the house. No one has needed any information about my brother or myself until this year. 30 years. The insurance check was to me. I find it morally reprehensible that a bank I have been dealing with for the past 10 years freezes my account due to information about my brother they never needed before. He hasn't changed and he just spoke with them last week. Seems to me BofA just wants to steal money. 

Thank you very much, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

called XXXX fraud specialized team on XX/XX/2019 and tried to dispute numerious credit inquiries that i did not apply for and demanded thoes inquiries to be removed. but was told over phone that they do not remove fraud inquiries they refuse to removed fraud inquiries which transunion is subject to fcra violation and requesting them to remove all unauthorized fraud inquiries from my report starting from XX/XX/2019 threw XX/XX/2019 except inquiries that are related to my actual accounts.
Product: Credit reporting

On XXXX XXXX, 2015, XXXX XXXX XXXX XXXX sent their letter to all XXXX Credit Reporting Agency, to have their negative account removed from my credit files. Attached as Exhibit A is a copy of their letter regarding account XXXX. 
On XXXX XXXX, 2015, I sent my letter to Equifax reminding them of the deadline of thirty days to remove the XXXX XXXX XXXX XXXX negative account from my credit file. My letter is attached as Exhibit B. 
As of XXXX XXXX, 2015, Equifax did not remove the XXXX XXXX XXXX XXXX negative account from my credit files, which still appears with the comment : " Consumer disputes - reinvestigation in process, Consumer disputes after resolution. " There is nothing to dispute since XXXX XXXX XXXX XXXX unequivocally told the credit reporting agencies in writing, to remove the negative account. All credit reporting agencies removed the negative account, with the exception of Equifax. 
To date, the matter remains unremoved and unresolved with Equifax, while I am incurring substantial financial loss in my inability obtain reasonable financing for my business expansion due to Equifax negligence and/or disregard. Equifax 's credit report on my files is attached as Exhibit C. It shows the the XXXX XXXX XXXX XXXX, negative account still being reported as my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery Assoc XXXX : I no longer owe this debt. It is also past the statute of limitations and needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with SANTANDER CONSUMER USA, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called SANTANDER CONSUMER USA and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX and SANTANDER CONSUMER USA with no successful resolution. XXXX, XXXX and XXXX reporting me having late payments. There was an error on their part. I was never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX, XXXX XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax 3x about updating my XXXX  XXXX XXXX XXXX account and My XXXX XXXX Loan That Was Filed In My Chapter XXXX Bankruptcy And They Are Still Showing These Accounts As Open And Delinquent Which Im Currently Trying To Have Them Fix The Issue For the 3rd time. Ive Reached Out To XXXX And They Too Are Refusing To Update Information as well as most of my accounts which were never delinquent before my bankruptcy and after I filed they put all my accounts derogatory over the credit limit and delinquent which is fraud and abusing misinformation on my credit report
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian Dispute Department- 15 U.S. $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of the receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft. Please delete immediately.

These accounts should not be furnished on my consumer report as they are in violation. Under, 15 US Code 1681b- Permissible purposes of consumer reports ( a ) in general subject to subsection C any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instruction to the consumer it relates to. I never gave any consumer reporting agency written consent to report anything on my credit report which violates my rights as a federal protected consumer. No consent is identity theft. As a consumer, I am demanding the deletion of the accounts below.

Please remove all inquiries which I did not authorize or give consent : Hard inquiries XXXX XXXX Inquired XXXX On record untilXXXX XXXX XXXX XXXX XXXX XXXX VIA DEALER Inquired XXXX On record untilXXXX  XXXX XXXX XXXX XXXX Inquired XXXX On record untilXXXX  XXXX XXXX XXXX XXXX Inquired XXXX On record untilXXXX  XXXX XXXX XXXX Inquired XXXX On record XXXX XXXX XXXX XXXX  Inquired XXXX On record untilXXXX  XXXX XXXX XXXX Inquired XXXX On record XXXX XXXX XXXX XXXX XXXX XXXX VIA DEALER Inquired XXXX On record XXXX XXXX XXXX XXXX XXXX Inquired XXXX On record XXXX XXXX XXXX XXXX XXXX XXXX  Inquired XXXX On record untilXXXX XXXX
Product: Money transfer, virtual currency, or money service

I fell victim to a multilayered scam operation orchestrated by XXXX ( XXXX ) ( the Company ) with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX USD which was transferred from my wallet utilizing Coinbases services.
Product: Credit reporting or other personal consumer reports

My XXXX XXXX was discharged because I had XXXX XXXX qualified payments on XX/XX/XXXX. 
In XX/XX/XXXX, the loan reappeared on my credit. 
Can you help me get XXXX to remove it? They don't think I am their customer anymore becuase they have changed hands and my account was discharged and closed. 
I only can get info from US Dept of Ed
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent Professional finance a letter to validate 2 accounts they placed on my credit file. on XX/XX/XXXX Professional finance proceeded to send me a simple printout. The FTC has noted that providing a copy of a printout, bill, or alleged account documents does not constitute validation. They also did NOT provide me with a signed authorization to release my medical records. They have now violated HIPAA and FDCPA and FCRA laws. 
On XXXX I sent a failure to validate and hipaa violation letter and to cease and desist all collections. They have not responded nor have they removed this account from my reports. 
Ive included all correspondence as well as a copy of my credit reports
Product: Consumer Loan

They are not applying my extra loan payments to my principal balance. I make my monthly payment on time and then I will send in extra money that same month to be applied toward my principal. Instead they apply my extra payment to interest. I called and asked for it to be fixed but they told me I can only make extra principal payments the same day I make my regular. This is a simple interest loan with no pre-payment penalty. The reason for making extra payments is to pay down the loan faster. By miss applying my extra payments that will never happen. Payments are made on line and there is no where to state that the extra payment should be applied to principal. Also there is no where to see how your payments are being applied. You have to call the office and ask them to mail you a statement.
Product: Debt collection

This case has reference to earlier case/complaint agains XXXX XXXX XXXX XXXX XXXX XXXX per # XXXX. Now apparently, XXXX has transferred case to another collection company " XXXX XXXX XXXX XXXX XXXX XXXX. Although XXXX XXXX has termed the case as 'in dispute ' but XXXX by transferring the case to another collection company forces me to undergo avoidable harassment and inconvenience. Thanks a lot for stepping in to help as always. XXXX XXXX
Product: Checking or savings account

I was charged {$150.00} on XX/XX/23 for a class I did not attend. I disputed the transaction with Wells Fargo, and I initially received my money back, only to be charged {$150.00} on XX/XX/23, resulting in an overdraft of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Privacy and Confidentiality under 15 USC 1681 XXXX - XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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: Bank account or service

On Saturday, XXXX XXXX, I deposited {$40.00} at the ATM XXXX, Union Bank, XXXX Ca XXXX. The ATM returned {$20.00} ; I resubmitted the {$20.00} Bill again. The ATM malfunction, stated it returned my Deposit ... The ATM asked if I need more Time, I stated no..no response and I stated yes ... My ATM Debit Card was returned to me and then a Transaction Receipt for Hardware Failure and Attempted Deposit of {$0.00}. I Called Union Bank to file a Claim and received a 15 minute wait, call back. I entered the Branch and the Teller explained that the ATM was not accepting Deposits ... there was not a sign or notification to this fact. She further stated that a Service Technical would be out, I should file a Claim and if confirmed my Account would be credited the deposited amount. Claim XXXX was filed with Union Bank.
Product: Credit card or prepaid card

On XX/XX/XXXX I transferred from American Express Serve XXXX XXXX card {$50.00}, to my linked bank account. It was debited from my XXXX XXXX account and I received notification from my bank account that it will be available the following day XX/XX/XXXX and it arrived as I have the email from bank. The next day, I received an email from my bank that I was overdrawn because the deposit was returned due to inaccurate bank information. It stated that until the account information I provided for XXXX. XXXX. XXXX bank was corrected, I would be unable to perform future deposits using XXXX. XXXX. XXXX bank. 
However, when I called XXXX express they had no record of this transfer and it disappeared from my online account history and my balance did not reflect this XXXX. 
On multiple dates after XX/XX/XXXX I have called American Express which basically can not locate this transaction. I added up all the transactions from after my irs refund was deposited on XX/XX/XXXX through current day and these are not balance, considered all transactions listed. 
Also, as advertised there are in network free atms, which really are not free because people are still being charged for these atms that are supposedly free, meaning no fees should be taken at any point. 
I have called XX/XX/XXXX and XX/XX/XXXX spoke to people for over XXXX minutes when they were supposedly looking and adding all items when suddenly disconnected after being placed on hold. No returned calls and can't get back to same individuals and no notes taken per next customer service rep. 
This is a company is preying on individuals who receive income tax returns and are literally taken money a little at a time or not returning cancelled or returned items thinking people won't go through the extra effort and take steps like this because we are considered a lower income bracket and probably less informed or educated. Please stop this scamming company and XXXX XXXX should be ashamed, they only promote this card in able to get a refund anticipation loan right before XXXX when people are struggling to buy gifts for their dependents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been requesting the credit bureaus Equifax, XXXX and XXXX to remove outdated accounts from my credit report for now 6 months. This is causing major problems with my credit scores as these accounts are now outdated and outside of the Statue of Limitations for the State of XXXX. I have sent several letters and copies of my credit reports to the bureaus to prove this matter and even sent these request to the collectors directly. Some have been deleted as requested but a few are still reporting with no response as to why these have not been address since they are clearly outdated. There are also several inquries in which I honestly do not recall authorization my reort to be pulled and have requested for these to be validated and removed. No response or action has been taken on any of these requests. 
At this point, I don't know what else I can do to have this corrected on my reports. I read online that I can submit a complaint here as I simply have no other options. Please help me with this matter as this is causing me issues with my employer and future purchasing options. 
I thank you in advance for your assistance and response.