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

I have a collection on my credit report for {$51.00} from Datamax / Interstate Credit Collections. When I called about the bill I spoke with XXXX and she informed me that it was my name on the account and called out my social security number to me. She also said that is was a joint account with XXXX XXXX and gave me the forwarding address where the bills were sent. I informed her that I 've never lived in XXXX and she once again confirmed she had my full name and social security number for this bill. I called XXXX XXXX and also spoke with a XXXX. She was unable to pull up an account with my name or social security number. I told her the amount and that Datamax said it was a joint account with XXXX XXXX. XXXX found the account in question but said it was under XXXX XXXX and XXXX XXXX and that my social security number was n't on the account. My social security number was n't in their system and she did n't know how it got connected to this account. XXXX XXXX states that they do not have my information on file ( full name or social security number ) and that was n't the information give to Datamax. Datamax states that they only use information from the client. Somewhere in the process there is a discrepancy in correct and honest information. Since NC is a one-party state all calls to Datamax and the XXXX XXXX were recorded and as a courtesy I let the other party know it was being recorded. This mistake needs to be removed from my credit report asap because I 'm in the process of buying a car. However, my biggest concerns are 1 ) how did they get my social security number 2 ) how can this be reported on my credit report when the names on the bill in question are n't mine? If you take the first name of the female and last name of the male you have my name and I live in the same county as XXXX XXXX and XXXX XXXX. Assuming that couple got married she would have my first and last name but not my social security number. HAVING ACCESS TO MY SOCIAL SECURITY NUMBER IS MY BIGGEST CONCERN. Datamax / Interstate Credit Collections XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX
Product: Credit reporting or other personal consumer reports

I dispute the validity of this debt and have reason to believe that the reported information does not accurately reflect the situation. Under 15 U.S.C. 1692c, I am exercising my rights to ensure that I am not subjected to any unfair practices related to debt collection.

I request that you investigate this matter and provide verification of the debt. Furthermore, if you can not provide sufficient evidence to validate the debt, I ask that you remove any negative reporting from my credit file related to this account. 

Please confirm receipt of this letter and respond to my request within 30 days to avoid further action on my part. I appreciate your prompt attention to this matter.
Product: Debt collection

I currently have mobile service with XXXX and generally pay my bill through my checking account. On XX/XX/XXXX I attempted to pay my bill using a new checking account open XX/XX/XXXX.I was informed by XXXX that my checking account was not approved to pay my bill. XXXX informed me the TeleChecks was responsible for denying the use of my checking account. I contacted Telecheks at XXXX and was informed through the automated system that my checking account was denied because of several returned checks. I knew this was not true because I had never written a check on this account. I spoke with a representative at Telechecks who stated that XXXX XXXX XXXX provided the information regarding my checking account. When I asked when XXXX XXXX XXXX provided this information the rep refused to tell me. He then stated that my social security number and date of birth matched an account that was in a past due status that was in the sister cmpany 's data base know as First Data Retrieval. Instead of fixing my problem with my XXXX bill I was then transferred to First Data who then asked me for payment. I asked them who authorized the sharing of my personal information between the companies and they told me that XXXX authorized First Data and Telecheck to use information in their client data to match up with any past due accounts they my have. I told them that I did not authorize XXXX to do this. I called XXXX who denied this and stated they have no relationship with First Data and that Telechecks is only to be used to process payments. I contacted First Data and they stated that my information was sent to the original creditor for collections purposes. I received a notice from XXXX a few days later requesting payment on an old account that is past the the limits of collections. First Data illegally retrieved my information and is using Telechecks to seek out clients information that may be past due. Because of this, when I attempt to use my checking account to pay my bills I get denied because of Telecheck and First Data. First Data stated that they will not remove the hold until I pay them or XXXX.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my TRUIST - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

There are  XXXX  accounts on my credit report that are reporting late payments when I was in fact never late.      XXXX   XXXX   XXXX   XXXX  -  XXXX  ( 30 days past due  XXXX ,  XXXX ,  XXXX  )  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ( 30 days past due  XXXX  )  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ( 30 days past due as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  to  XXXX   XXXX   XXXX  I was never late on these accounts and should not have any late paymetns.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed fraudulent activity. Please remove all fraudulent accounts on my report as it is hurting my ability to obtain credit. Thank you.
Product: Checking or savings account

I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report, which I believe to be fraudulent. 
In accordance with the Fair Credit Reporting Act, I assert that the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. These items listed above have violated my rights as outlined in 15 U.S.C. 1681, Section 602 A, which grants me the right to privacy. 15 U.S.C. 1681, Section 604 A, Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) stipulates that no consumer reporting agency may include any adverse items on a consumer report if they predate the report by more than seven years.

Additionally, 15 U.S.C. 1681s-2 ( a ) ( 1 ) specifies that no information can be furnished to a consumer reporting agency if the person knows, or has reasonable cause to believe, that the information is inaccurate. 
I have NEVER opened or used the following account numbers, and I request that all information related to these accounts be removed immediately : Bank : XXXX XXXX Incident Date : XX/XX/year> Contribution Ref # : XXXX Account # : XXXX ABA Number # : XXXX Additionally, I do not recognize the following inquiries that appear on my report. I am a victim of identity theft, and I do not recognize the following inquiries. I request that the following inquiries be removed from my Early Warning Services consumer report immediately :
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the credit Reporting act Portfolio Recovery Associates # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

There are accounts listed on my credit report that do not belong to me, and I have no knowledge of them whatsoever. This situation is not only unfair but also deeply troubling. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to an accurate credit report, and these errors should not be affecting my financial standing. I request an immediate investigation into these unauthorized accounts, and I expect these inaccuracies to be corrected without delay. If these errors are not resolved promptly, I will be forced to take legal action to protect my rights.
Product: Credit reporting

I disputed a public record with Equifax on XXXX/XXXX/16. On XXXX/XXXX/16 I was emailed that the investigation was complete and was verified by the court. In my original dispute I included copies of the legal agreement stating that said public record would not be executed or rendered as long as payment was made per agreement. I included copies of payments. I still have 3 payments left but equifax says they verified it was satisfied via the court. I spoke with several court employees and the court website which stated they do n't do any verification with the credit agencies. XXXX removed this item due to it never being rendered or executed and inaccurate. Equifax has violated FCRA 611, 609, and 623. Equifax also has never marked this item in dispute on my credit file. I have filed a reinvestigation with Equifax again including the stay of execution order showing that this is not a valid judgement and needs to be removed from my credit file. Equifax has also refused to provide information about their verification with the courts. Please see attached public document stating in page XXXX paragraph XXXX that execution is stayed if payments are made as scheduled.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that is inaccurate. 

XXXX XXXX Account # XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

The reporting of these account ( s ) is/are violations of 15 USC 1681e ( b ) 15 U.S. Code 1681s2 -Responsibilities of furnishers of information to consumer reporting agencies ( 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. 

I have attached below all the following letters and documentation that has been sent to Experian showing how they have violated my rights and are reporting inaccurate/ incomplete information. 

XXXX Mail Receipts : 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 Account # XXXX needs to be deleted immediately.
Product: Mortgage

For many years prior to my divorce, and during my separation, I 've made timely, monthly mortgage payments. My ex-husband XXXX XXXX XXXX XXXX held the Mortgage note : property address XXXX XXXX, XXXX XXXX XXXX. XXXX with Wells Fargo. He relinquished the home through bankruptcy and subsequently through the divorce on XX/XX/XXXX. ( divorce index XXXX ) I also filed for bankruptcy keeping the home and a loan assumption through the United States Bankruptcy court of XXXX District of XXXX in XX/XX/XXXX and was granted the approval allowing me to assume the mortgage note however, my name still does not appear on the mortgage statement as of date. ( case XXXX ) Adding insult to injury, through the United States Postal Services , XXXX had my mortgage statement ordered by U.S bankruptcy for which I 've been paying for over nine years by myself redirected to his house in XXXX . ( Please see at attachment ) My FICO score has suffered tremendously. I 've made all possible attempts through the courts to regain my statue creditably.
Product: Mortgage

I submitted a loan modification package to Ocwen and I received confirmation from Ocwen of receipt thereof ( see attached letter ). My previously scheduled trustee sale date was postponed pending loan modification review while simultaneously having a currently scheduled for a trustee sale date of XX/XX/2019 - Ocwen is dual tracking ; under the California Homeowner Bill of Rights, a lender or servicer can not record a notice of default or notice of sale or conduct a trustee 's sale, while the loan modification application is pending - Ocwen is dual tracking my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX XXXX XXXXXXXX XXXX XXXX XXXX survivor that has been taken advantage of in the past couple years I'm finding. Someone has falsely filed unemployment in my name and now I'm also finding that I have a bankruptcy on my credit report that I never filed and closed unsecured debt that I never authorized or opened. I have tried to settle this with the creditor but I'm not getting anywhere. I'm not sure what else today to have this inaccurate information corrected on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

n 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. 

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

1. Savit Collection Agency ( 2 ) amounts reported {$300.00} & {$200.00} 2. XXXX XXXX XXXX reported {$170.00} 3. XXXX XXXX Solutions reported {$55.00} I have previously disputed to all ( 3 ) credit bureaus of the above stated amounts that is wrongfully reported on my credit report. All of the accounts are related to medical services related to tests, etc.. I did not approve of these services that was given to such agencies that was outside of my medical insurance company 's network. These types of unresolved issues with the doctors office should not be a part of my credit file.
Product: Mortgage

On XX/XX/XXXX I sold my property located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX and the bank used by the purchaser who acquired the property was SunWest Mortgage located in XXXXXXXX XXXX. The final disclosure was given the day before at XXXX XXXX  by the real estate agency ( XXXX XXXX ), telling me the amount I had to bring was of {$9200.00} payee XXXX XXXX, I inquired because the amount was less than the initial one of {$11000.00}, a difference of {$1700.00} and the real estate representative XXXX XXXX mentioned it was a credit on my behalf. This was given to me a day before the closing, I was traveling to XXXX since I live in XXXX  I didn't had enough time to validate this information, since it was with time constriction, I needed to go to the bank to purchase the cashier 's check in order to be on time during the closing with the money requested per their emails. The closing occurred around XXXX XXXX on XX/XX/XXXX as appointed, I gave keys and left the bank with the deed and all my closing documents. Around XXXX XXXX  I received a call from the XXXX XXXX that there has been an error during the closing and that I owed them {$3700.00}, I asked from what and she mentioned about an escrow balance they were supposed to return to the house buyer but somehow it was credited to me. In XXXX we had to sign an addendum from the bank because SunWest couldn't validate those funds from the buyer therefore XXXX XXXX had to return the funds the day of the closing, which is strange then that if Sunwest could not validate those funds, how they still ended using them during the closing. I sold my house for {$120000.00} and between taxes, lawyers, fees and more I paid {$18000.00} in closing costs, an amount already excessive for such short selling house. I know some of the costs were related to taxes but still excessive, however I really didn't had any representation or to whom really ask since I was in XXXX  and to then after the closing say I still owe {$3700.00} and to pay it directly to the real estate agency seems unfair because that transaction will not get recorded in the sale. Further more, there was another issue with the house deed, the initial sale price was $ XXXX and then was adjusted to {$120000.00} due to some repairs the house needed and the buyer agreed to do, but somehow the house deed was with the initial price of $ XXXX and now the law office XXXX XXXX had to send a Power of Attorney for me to sign in order to have a legal representative to create a new deed so they can register the property with the right sale price, his lawyer XXXX XXXX suggested it was a favor that they usually charge XXXX, I did mentioned it was not my error, since all that should have been validated with the bank prior closing by them, still I am already doing my diligence to assist with this issue. All these situations are creating a lot of stress and is overwhelming since I do not live in XXXX anymore and is difficult for me to handle them from across here. I feel the bank and other agencies didn't handle this with precaution causing all these errors and now I feel I am the guilty one having to deal with their issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to report the initial delinquent date incorrectly with the credit bureaus With regards to the XXXX account on my credit file. 

This is their data here attached that clearly shows the initial delinquency is XX/XX/2017 per their own records. 

If not fixed immediately I am hiring attorneys to Sue all involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services, LLC, XXXX, XXXX XXXX XXXX Consumer Reporting Agency are in violation of 15 USC 1681 ( a ) Accuracy And Fairness In Credit Reporting 15 USC 1681 ( 1 ) - Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
15 USC 1681 ( 4 ) - There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
15 USC 1681 ( b ) - It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 
15 USC 1681b ( a ) ( 2 ) - ( a ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 USC 1692g Validation of debts.
Product: Credit reporting

Thank you for your investigation response. Can you please send me : ( a ) The name of the creditor ; ( b ) The person 's name they verified the dispute with ; ( c ) The address ; ( d ) The telephone number ; and ( e ) The documentation used to verify the dispute. 

Please see attached
Product: Credit reporting, credit repair services, or other personal consumer reports

There's an inquiry on my credit report from Mariner Finance that I did not authorize. I have reached out to Mariner Finance several times to resolve the issue and get the inquiry removed but they will not respond.
Product: Credit card or prepaid card

On XX/XX/21 I received an alert from XXXX XXXX asking if applied for a credit card at a particular bank. The card was approved for {$16000.00}. I called the bank and had them to close the account. I also froze my accounts at all three reporting agencies.