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

XX/XX/XXXX XXXX XXXX XXXX reported a collection in my credit file on behalf or XXXX XXXX. 

XX/XX/XXXX The account was removed from my accredit reports for inaccurately reporting a paid account. 

On XX/XX/XXXX, I discovered XXXX XXXX re inserted the same INACCURATE collection account on behalf of XXXX XXXX in my credit file. To my understanding the credit bureaus are required to notify me within ( 5 ) days of re-inserting a previously deleted item. I did not receive such notification. 

XX/XX/XXXX The account was removed once again from my credit reports for inaccurate reporting. 

XX/XX/XXXX XXXX XXXX XXXX re inserted the SAME INACCURATE collection account on behalf of XXXX XXXX for the 3rd time. Once again, I did NOT receive a notification of reinsertion. 

XX/XX/XXXX, I disputed this account with XXXX XXXX XXXX, they did NOT provide sufficient proof of validation. 

According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA the credit buraus are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 

The FOLLOWING derogatory account allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, the infractions are as follows : INACCURATELY REPORTING BALANCE INACCURATLEY RRPORTING DATE OPENED INACCURATLEY REPORTING ACCOUNT NUMBER INACCURATEY REPORTING THE ACCOUT STATUS AS OPEN INACCURATLEY RE INSERTING A PERVIOUS DELETED INACCURATE COLLECTION ACCOUNT NOT SENDING A NOTICE OF RE INSERTION
Product: Debt collection

Receiving 3 calls from different numbers in the same hour from the same Merchant.
Product: Credit reporting, credit repair services, or other personal consumer reports

The financial institution misguided me about the cancellation process for this loan. Since XX/XX/2021 I have been in communication with them to make sure about the balance that I have pending and the number of payments needed to payoff the loan. The guidance from them was that the loan will be paid off in XX/XX/2021 and that the final balance was going to be {$710.00}. When I issued the payment in XXXX, I start preparing to pay off the loan in XXXX. But I received a debt collection letter on XX/XX/XXXX, dated XX/XX/XXXX saying that I had an outstanding balance of {$1600.00} and notifying me that my credit report was affected because of this. This was the first communication I received from them regarding the balance of the loan. Previously I was the one who called them to check this information. I called the financial institution to clarify this because they oriented me that the pay-off balance was {$710.00} and to claim the reason for reporting to the credit bureaus without letting me know first about the issue. In the last years, I have paid on time this loan. It doesn't make sense. Their answer was that the outstanding balance included charges accumulated in the life of the loan. So, okay, I will pay it if I have to, but I have always paid the loan according to the agreement and I also paid in XXXX what I thought it was the pay-off balance. But now my credit score went down XXXX points because of this affecting completely my financial plans and goals in the near future. I need the help of the CFPB to request the bank to remove this late payment in my credit history, because they are not willing to do it.
Product: Credit reporting or other personal consumer reports

The information in this complaint contains that 2 of the 3 credit bureaus ( XXXX and Experian ) are denying my wife and I are rights as consumers as there are inaccurate information on both my wife 's credit report and my credit report in regard to a XXXX  XXXX and XXXX bankruptcies. 
Moreover, in relation to XXXX, there has not been any representatives within this company that has been able to provide me any type of answer in regard to the " Improper Involuntary Bankruptcy Cases '', the XXXX  XXXX and the XXXX that does not belong on either of our credit reports due to the attorney 's firm messing up the paperwork for both of these bankruptcies creating both of these, the XXXX  XXXX and XXXX bankruptcies to be done fraudulently. Additionally, I have asked numerous times different representatives within XXXX on how to upload supporting documents for these 2 bankruptcies, the XXXX  XXXX and the XXXX  XXXX, but have yet to receive any answer from XXXX. 
Furthermore, by what the attorney 's firm did/created in this situation, it led me to becoming a victim of identity theft. As I received verification from the IRS from the 2 tax returns that they received for the 2022 Tax Year, after being audited from the IRS for this tax year. 
Moreover, in relation to Experian, the representatives within their special services section ( dispute section ) did not do their " due diligence '' in regard to either one of these XXXX  XXXX or XXXX  XXXX bankruptcies as they did not do the research that was needed to be done regarding these " Improper Involuntary Bankruptcy Cases ''. The supporting documents were uploaded to Experian, however, the section within Experian did not do any type of research into this documentation that was sent to them. Therefore, Experian has ignored and is still ignoring the documentation from these bankruptcies as I received notice from Experian that they were not willing to remove these " Improper Involuntary Bankruptcy Cases '' because Experian has stated that these bankruptcies are legitimate and will stay on our credit reports. 
Furthermore, proving that Experian did not do their research correctly into the information surrounding either one of these, the XXXX  XXXX or XXXX bankruptcies that was done on a fraudulent basis with the attorney 's firm and therefore, creating me to become a victim of identity theft with the IRS.
Product: Mortgage

On XXXX I have applied for a mortgage through Prosper First Funding corporation in XXXX XXXX NY. The loan offIcees name is XXXX XXXX. XXXX had pulled my credit report on XXXX 2020. On XXXX 2020 XXXX XXXX pulled my credit report again without my permission. When I asked XXXX the reason he pulled my credit the second time without my permission, XXXX added that the system did it by itself. I told XXXX that the system doesnt do things by itself, XXXX said yes it dies and that my credit score went up! 
I reached out to his manager XXXX XXXX who has no class, no customer service skills and who also lied to me. He was aggressive and was yelling at me through emails. XXXX added that no wrongdoing was done, I asked him the reason for him to believe that, he said that we pulled your credit on XXXX. I said you also pulled my credit report on XXXX without my permission, his answer was that my score went up and that he is going to decline me for the mortgage after I was approved and that he is closing my file, he also threatened me not to email him again or contract anyone in his company. 

I have all of this in emails between XXXX XXXX, XXXX XXXX and myself if need to be, I can forward the emails to this agency. I am not sure if I also have to contact other agencies such as HUD and Equal Lending agencies.
Product: Mortgage

I contacted Wells Fargo many times and applied for modification and kept getting a response like more paperwork is needed. Submitted everything required of me and they continued to still take my house under my feet. I had a baby at that time and they didnt care that we would be homeless. Feel I to a deep XXXX and wanted to commit  XXXX  due to fact I didnt know where I was going with my children and had no money. They proceeded to only give me a short time to get out of home before being padlocked. Had to leave a lot of belongings behind, my kids belongings and I think that was horrible. Single  mom and no help, no money and homeless.
Product: Mortgage

Wells Fargo bank ruined my credit by reporting non payments to their alleged mortgage which was nothing more than fraud by an unlawful loan modification. Wells Fargo made the reports of non payment willfully full well knowing their false reporting and claims to enforce a mortgage contract which on its face was fraud and of which they broke on their own accord to give the appearance of a legitimate foreclosure action at the XXXX XXXX Supreme Court before XXXX XXXX who presided over the loan modification case in XX/XX/2013. Their was no investigation into the legitimacy of Wells Fargo to pursue such action and today this dirty criminal bank continues to make false reporting to the credit agencies and interfere in the Trust commerce by attempting to pay property tax through bulk checks and insurance on the Trust 's property. XXXX XXXX 's Office was specifically instructed not to accept unauthorized payments of property tax. Wells Fargo continues to perpetrate acts in an attempt establish ownership of the Trusts property with XXXX XXXX. Because of the false reporting of default on a mortgage that they created unlawfully I have not been able to get credit or only subprime loan offers which this agency well knows are designed to fail anyway just like all the unlawful loan modifications. There have been numerous complaints I have furnished with this agency about Wells Fargo and will continue to as long as Wells continues to perpetrate unlawful acts and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have uploaded to EXPERIAN.com/upload multiple times my updated social security card, active drivers license, and FTC REPORT for identity theft. I have written a letter telling EXPERIAN to get rid of every alias of XXXX but to only keep XXXX XXXX XXXX because that is my legal name. My social and my license both show it as such. My license shows my address, which is on my consumer report - ( ONE of at least 25 addresses ) which i instructed EXPERIAN to keep only the ADDRESS THAT IS ON MY LEGAL DOCUMENT and delete the rest. Well, when i go to dispute the fraudulent addresses, i cant dispute it because a furnisher is reporting on that address so it must stay. I let EXPERIAN know that those addresses, those accounts are fraudulent. Theyre part of the identity theft because my abode is the address on the license. I need my personal information updated fairly and without blemish so i can have those fraudulent accounts off my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : DELETIONS TO CREDIT REPORT To Whom It May Concern : I received a copy of my credit report and I'm disputing some items that need to be deleted. l have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below : Items : XXXX XXXX Account Number : XXXX Balance : {$260.00} RELIANT CAPITAL SOLUTION Account Number : XXXX Balance : {$1800.00} Reason for Deletion According to the provisions of the Fair Credit Reporting Act '611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within XXXX days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 

Please notify me that the above items have been deleted pursuant to " 611 ( a ) ( 6 ) [ 15 USC ' 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of " 612 [ 15 USC ' 1681j ], there should be no charge for this report.
Product: Checking or savings account

I have been trying to close my mother 's account with Bank of America since she died in XXXX  of last year.I have been given several lies and the run around since then.I was told a month and a half ago that they would send the money and they had everything they needed.After I did not hear from the I called and waited on hold the usual 1 and a half hours.They said they couldn't see the date on my brother 's death certificate who also was a beneficiary.Then after she looked she said oh here it is.They could have called, texted, emailed me for the info.They did nothing and waited for me to call.Then they said someone would call me in 2 days or less.That did not happen.They have no intention of refunding the money and look for one excuse after another not to release it.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent the Chief Financial Officer of XXXX XXXX XXXX a Debt Validation Request to be clear on who " owned ' my alleged mortgage loan. In a letter dated XX/XX/year> ( which I received on XX/XX/year> ) the " Mortgage Resolution Unit ( for XXXX XXXX XXXX ) replied to my debt validation letter, stating that " XXXX XXXX XXXX XXXX XXXX is the owner or assignee '' of the alleged mortgage loan, also giving me the Pool Number for the mortgage " loan '', The next day, I sent out a letter for XXXX XXXX XXXX to stop contacting me ( and have XXXX ONLY to contact me, regarding this alleged debt, as I haven't contracted with either, BUT XXXX bought my mortgage note so I'm also getting validation from them ) XXXX XXXX XXXX is reporting on my credit report and they are a third-party whom I have no business with. XXXX XXXX XXXX XXXX XXXX is using XXXX XXXX XXXX as a subservicer, due to XXXX not being licensed to service mortgages in the State of New York and I have given no consent for them to use my name, likeness, or credit data. 

Furthermore, this collection account violates the Fair Credit Reporting Act ( FCRA ) as per Section 607 ( a ) ( 1 ) and ( 2 ) of the FCRA which requires credit reporting agencies like Experian to ensure that the information they report is accurate, complete and up-to-date.

Also, Section 615 ( a ) ( 1 ) states that no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.

Additionally, this violates Section 621 of the FCRA which states that any person who willfully fails 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 any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}, as the court may allow. 

Furthermore, this violates 15 U.S.C 1681 et seq, particularly 15 U.S.C. 1681i and 15 U.S.C 1681j which states that credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates and any person who fails to comply with any requirement imposed under this title shall be liable to the United States for a civil penalty.

Furthermore, this collection account was fraudulently bought and sold, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the XXXX Fair Debt Collection Practices Act ( XXXX ), which prohibit the sale or purchase of a debt that the seller or purchaser knows or should know is not legitimate. 

This also violates the prohibition of any form of deception or fraud under the federal laws such as 18 U.S.C. 1341 ( Mail Fraud ) and 18 U.S.C. 1343 ( Wire Fraud ).
Product: Credit reporting or other personal consumer reports

I have wrote several complaints also I have contacted equfax numerous of times about accounts on my report, they still remained on my credit report they did not provide any information on why it remained or investigation details. I want removed off my report .XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account Name Sequium Asset Solution Account Number XXXX
Product: Debt collection

XX/XX/XXXX - I saw Jefferson Capital Systems on my credit report and when I attempted to dispute through XXXX I was routed to XXXX, I see that its on my report as a negative collection but when I attempted to dispute it it shows me that I don't have any Collections on my credit. I need for them to remove the debt from my credit if I have no knowledge of them. 
This is on my credit report : Most Recent Account JEFFERSON CAPITAL SYSTEMS | XX/XX/XXXXXXXX XXXX
Product: Debt collection

I sent the collection agency on XX/XX/18 a 30 day notice to respond, A Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) that your claim is disputed and validation is requested. 



No response was giving .... 

On XX/XX/18 I also sent a HIPPA validation letter that also got NO response. 

My most recent letter do to the NON responses was another follow up letter on XX/XX/18. 

I also have contacted the credit bureaus XXXX, XXXX which I asked what method was used to verify this account and both has notified me that the debt has been verified without any proof according to the law to provide evidence as each individual is required to do so submitting evidence to dispute. 
XXXX actions was my evidence the debt didnt belong to me because they removed the collection account do to it unverified status.
Product: Debt collection

I have contacted the company and the collection agency regarding the error of this account and it being related to fraud. They both have failed to get requested documentation to me as well as respond to my written and verbal request to provide proof of the validation of debt.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : 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 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: Debt collection

Several request have been submitted to this agency and the credit agencies to validate and provide proof, nothing has been received nor any proof or validation of ownership.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an address on my Experian and XXXX XXXX Credit Report that is not mine : XXXX XXXX XXXX, XXXX CT XXXX.
Product: Debt collection

The company Fair Collections and Out has added a derogatory mark to my credit profile in the amount of {$270.00}. The debt has been reported as past due. I do not know this company. I have never done business with Fair Collections and Out. I do not have a signed contract, nor any contract, with Fair Collections and Out. I have the right to demand to see a signed contract between Fair Collections and Out and myself.
Product: Credit reporting or other personal consumer reports

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS
Product: Checking or savings account

someone was trying to open a savings and checking account at TD BANK ON XX/XX/XXXX XXXX i received a letter in the mail from td bank. i went to that bank. and they told me it was done on line. they also told me they have my ssn and date of birth. they try to used my old address i had 20 years ago and my address i live at now
Product: Credit reporting

Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) Transunion is reporting a collection for XXXX. XXXX. There has been no attempt to validate this debt, therefore it should not be reported.
Product: Debt collection

XXXX sent me a letter last month saying they are collecting a debt for MaxLend. I asked for proof of the debt and they sent me documents which indicated I allegedly borrowed {$1600.00} and made application on XX/XX/2022. The loan maturity date was XX/XX/2022. The APR is 635 % with a first payment of {$250.00} and remaining payments of {$400.00} every two weeks. The documents had my correct social security number and address. However, the bank routing number and bank account number where the funds were sent are not mine. The documents indicate I applied electronically for the loan and I gave consent for all communication to be electronic. I have never received a phone call, email or text from MaxLend. I never signed electronically for a loan with MaxLend. I am a victim of identity theft.
Product: Credit card or prepaid card

My friend sent me his referral link to sign up for a capital one Quicksilver credit card. Here is the link I used https : XXXX. 

Located on this page is a new cardmember offer of a one-time {$200.00} cash bonus once I spend {$500.00} on purchases within 3 months from account opening ( which I completed ). My friend got his bonus but I didn't receive mine. I called customer service and they said the system won't let them send the bonus because it shows that I accepted some other offer that did not include a bonus. I said that's impossible because my friend already received his referral bonus from this same link. Im not sure whats going on but I feel like i got baited into this and everything got flipped on me. Please help me receive my signup bonus that I was promised because it's the reason why I did the application in the first place. If I didn't qualify I would never have filled out the link. Thank you.
Product: Money transfer, virtual currency, or money service

XXXX through XXXX XX/XX/2023 I have fell asleep in my hotel with a stranger and they used my mobile device to send the money to someone and also took my wallet with XXXX in it I also field a police report in Nevada