23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

National Credit Systems The company has failed to notify me of my debt. 
I was XXXX  due to a major XXXX and was evicted from my home. I did not receive written notice of this debt. It is my understanding that according to the FRCA failure to notify the debt is illegal. Participating in illegal collection practices is illegal. 

National Credit Systems has also failed to validate and verify this debt after sending multiple request. 
Date of request are XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX : 1. XXXX XXXX Balance Owed : {$250.00} 2. XXXX XXXX Balance Owed : {$260.00} 3. XXXX XXXX Balance Owed : {$370.00} 4. XXXX XXXX Balance Owed : {$170.00} 5. XXXX XXXX XXXX XXXX Balance Owed : {$20000.00} 6. XXXX XXXX* Balance Owed : {$0.00} 7. XXXX XXXX* Balance Owed : {$0.00} 8. XXXX XXXX  XXXX Balance Owed : {$0.00} 9. XXXX XXXX* Balance Owed : {$0.00} 10. XXXX XXXX Balance Owed : {$0.00} 11. XXXX XXXX XXXXXXXX XXXX* Balance Owed : {$6500.00} 12. XXXX XXXX* Balance Owed : {$0.00} XXXX : 1. XXXX XXXX Balance Owed : {$130.00} 2. XXXX XXXX Balance Owed : {$240.00} 3. XXXX XXXX Balance Owed : {$370.00} 4. XXXX XXXX Balance Owed : {$170.00} 5. XXXX XXXX XXXX XXXX Balance Owed : {$20000.00} 6. XXXX XXXX  XXXX Balance Owed : {$0.00} 7. XXXX XXXX Balance Owed : {$0.00} Equifax 1. XXXX XXXX Balance Owed : {$250.00} 2. XXXX XXXX Balance Owed : {$260.00} 3. XXXX XXXX Balance Owed : {$170.00} 4. XXXX XXXX XXXX XXXX Balance Owed : {$20000.00} 5. XXXX XXXX Balance Owed : {$0.00} 6. XXXX XXXX Balance Owed : {$0.00} 7. XXXX XXXX  XXXX Balance Owed : {$0.00} 8. XXXX XXXX Balance Owed : {$0.00} 9. XXXX XXXX* Balance Owed : {$0.00} 10. XXXX XXXX  XXXX XXXX Balance Owed : {$6500.00} 11. XXXX XXXX Balance Owed : {$0.00}
Product: Mortgage

On XX/XX/2023, we took out a Home Equity Line of Credit with South State Bank. In an attempt to make a payment to our lawyer in mid XXXX, we learned that our account had been frozen. After speaking with a bank representative, we learned that the account was frozen because our builder had placed a lien on our home. Our build filed a lien on our home because we would not sign off on the final disbursement of payment. We refused to sign off on final payment because he had not finished the build of our home. Instead of coming back to finish, our builder decided to file a lien. We are currently in litigation now. 

After multiple emails between myself and the bank, and in accordance with our agreement, our account was restored because we were able to prove that money in question was sitting in escrow and the bank was not at any risk. That total amount is {$52000.00}. Our account was restored on XX/XX/2023. 

On XX/XX/2023, we received a letter from South State advising us that our account had once again been frozen. They froze the account because our builder filed foreclosure on our property. When asked for an explanation as to why the account was frozen again after we had proven that the funds in question were in escrow and would be paid out once our builder completed the work, we were given loose interpretations of the contract. We were denied the opportunity to speak with legal like we were initially promised. This option was extended to us because the person, XXXX XXXX, whom we were speaking with was unable to give us clear reason supported by the contract as to why our account was frozen. The only reason given was that it was to protect the banks interest. Which again, we had documentation that the bank interest was protected.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Payday loan, title loan, personal loan, or advance loan

Apr is extremely high better off going to a load shark then getlendly
Product: Credit reporting or other personal consumer reports

I have identified serious billing errors under 15 U.S. CXXXXe XXXX ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least XXXX days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.
Product: Credit reporting or other personal consumer reports

TransUnion has engaged in fraudulent credit reporting, obstruction of justice, racketeering ( RICO violations ), and financial misconduct, severely impacting my financial standing. Despite multiple disputes, TransUnion has failed to correct inaccuracies, re-aged debts unlawfully, and manipulated credit data to misrepresent my financial history, all while engaging in insider trading and market manipulation. 

On XXXX XXXX XXXX, TransUnion executives XXXX including top leadership, sold off significant amounts of company stock, immediately after my arbitration case was filed, exposing systematic fraud, illegal debt re-aging, and financial deception. This strongly suggests insider trading and a deliberate effort to profit before regulatory scrutiny exposed their misconduct. These actions constitute a violation of the Racketeer Influenced and Corrupt Organizations Act ( RICO ), 18 U.S.C. 1962, as TransUnion operated a coordinated financial crime scheme that harmed consumers while benefiting corporate executives.

TransUnion has : Illegally re-aged debts beyond the statutory reporting limit to damage consumer credit scores.

Knowingly failed to investigate disputes properly, violating the Fair Credit Reporting Act ( FCRA ) and depriving consumers of their rights. 

Obstructed justice by altering consumer credit files after disputes/arbitration were filed to hide wrongdoing. 

Colluded with XXXX, XXXX, and debt collection agencies to manipulate consumer scores and extend collections fraudulently. 

Engaged in securities fraud and insider trading by misleading investors about the company 's exposure to legal risk while executives dumped shares. 

Operated as a criminal enterprise under RICO by systematically using fraudulent credit reporting to extract money from consumers and manipulate financial markets.

As a result, I have suffered financial harm, emotional distress, and damage to my creditworthiness, including : Denied mortgage, loan, and credit opportunities due to TransUnion 's fraudulent reporting.

Increased interest rates and financial penalties due to manipulated credit scores.

Restricted access to dispute my credit file, preventing me from correcting inaccuracies.

Severe long-term damage to my financial future, as lenders rely on TransUnions manipulated data.
Product: Credit card or prepaid card

I am trying to get my first credit card it keeps dening me I need some neg marks removed from my credit report
Product: Mortgage

my name is XXXX XXXX and this a response regarding case cfpb XXXX about a complaint against wells fargoXXXX XXXX XXXX  i will like to request the last payment made on my account loan XXXX XXXX XXXX XXXX XXXX  XXXX XXXX., XXXX, XXXX, XXXX please be kind to comply with my request asap.. 
am requesting the last statement the show my last payment for the loan XXXX XXXXXXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Records Partial Deed of Trust of XXXX XXXX XXXX XXXX XXXX, MO XXXX stamped by notary does not contain my " wet ' signature of valid proof this Partial Deed is valid and agreed upon by me. I requested the deed be removed before the closing sale of the said property and it was not removed, nor proved valid of funds owed by me. I requested my funds reimbursed and credit reports corrected.

Defamation Negligent Enablement if Identity Fraud and document reporting Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 and 28 U.S.C.

Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) A Notary Public is a state public officer appointed and commissioned by the Governor whose function is to : administer oaths, take acknowledgments of deeds and other instruments, attest to or certify photocopies of certain documents, and perform other duties specified by law.

Responsibility of a notary provides for authentication in lieu of notarization in 28 U.S.C. ... That section provides that to meet any notarization requirement under federal law or practice, an unsworn declaration under penalties of perjury is sufficient.
Product: Credit reporting or other personal consumer reports

Account Name : MIDLAND CREDIT MANAGEM ( Original Creditor : XXXX XXXX. ) Account Number : XXXX My social security number has been compromised from the social security breach that occured in 2024, access to the XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I received two letters, both dated XX/XX/23 from Genesis FS Card Services about a Destiny Mastercard Account. One says thank you for updating your address, the other says the account is temporarily blocked and asks me to provide identify verifcation such as faxing a copy of my drivers license. I wasn't sure if this was a phishing scam or if someone opened a card fraudulently in my name. When I first tried calling, the number prompted me to enter my SSN to proceed, which I refuse to do. Today after looking at their website I was able to call another number and as I sat listening to the prompts for SSN repeat, it then gave me the option to connect with an agent without putting my SSN in. However, then the agent asked for my SSN ( nope ) and claimed she couldn't find an account based on name, address, and last 4 of the account stated on the letter. Then when I asked for the fraud department they found it. However, they won't tell me where or when this was opened or if it's a store card or anything. They opened a fraud investigation but won't give me a case # just the agent name and #. They don't have an email address I can communicate with in writing, only a XXXX XXXX or Fax #. On XXXX XXXX XXXX, there are several complaints of similar incidents happening. CFPB needs to investiage whether this is a scam trying to get customers to open a credit card with them, or a phishing scam, or if there is rampant fraudulent practices going on with people opening fraudulent cards with this company. I have not seen a pull on my credit, which I would expect when opening a card.
Product: Credit reporting or other personal consumer reports

I just checked again my XXXX, XXXX and Equifax credit reports and I can see account reporting inaccurately. You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Please see attached file below
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence, Engelhardt v. Gravens ( mo ) 281 SW715,719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX balance {$5900.00}, XXXX XXXX XXXX balance {$1100.00}, XXXX XXXX XXXX balance {$0.00}, XXXX balance {$1300.00}, XXXX XXXX balance {$36000.00}, XXXX XXXX  XXXX balance {$0.00} XXXX
Product: Debt collection

MEDICAL DATA SYSTEMS INC is t rying to collect a medical debt amount of {$520.00} and they have placed the debt on my credit report. I had a procedure done a  XXXX   XXXX   XXXX  and I have medical insurance and paid my deductible as well as a bill that arrived at my home. On  XXXX   XXXX ,    2017  I checked my credit report and see that MEDICAL DATA SY STEMS INC is trying to collect a debt I do not owe and they have placed this information on my credit report.
Product: Credit reporting, credit repair services, 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. 

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 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 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 or other personal consumer reports

There are multiple accounts that are showing up on my credit report that should not be showing up. According to the IRS if an account is charged off, it is considered income for me and I have to file taxes on it. Income can not be reported on my credit report. These are the laws if whoever is reading this is unsure. Feel free to check with your legal department. They will agree with me and these accounts should all be removed from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( both of them ) There are also fraudulent hard inquiries. I did not give the banks or anyone else permission to access my credit report. I've contacted the banks and explain the situation, and they all agree that the hard inquiry should not be on there. And most of them tell me I should contact the credit reporting agencies to request that they be removed. Feel free to reach out to the individual banks To confirm that these are fraudulent inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Again, feel free to reach out to the banks directly after confirming all of my information I agree that these fraudulent inquiries that should not be showing up my credit report.
Product: Debt collection

I was told that I owed XXXX  security system 3 months of service e.i. {$90.00} .I tried to explain to them that I never had service with that company .they told me someone from that address did. Therefore I disputed it.now they sent it to a debt collector name " zion debt holdings LL '' with an outstanding balance of almost {$600.00} .I have been trying to contact those ppl vainly.so far Noone has returned my calls nor picked up the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 In accordance with the fair credit Reporting act XXXX Account # 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 purpose.
Product: Money transfer, virtual currency, or money service

transferred money from XXXX  XXXX XXXX  account to XXXX  XXXX XXXX account I got an email saying someone sent you money, but for some reason it is now going to take 1-3 business days despite in the past it was done same day. I have transferred money between these two accounts in the past.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax score dropped drastically ( over XXXX points ) a few months ago without any discrepancies or delinquencies on my account. The other credit bureaus did not report a drastic drop so the issue is clearly on their part and not mine. I called today the XXXX of XXXX to inquire on the issue and the call taker XXXX was not helpful and advised that the score I observed on XXXX XXXX was probably not accurate even though its been reflecting the same score for 3 months. She advised I would need to see my score directly from equifax themselves which I logged in and provided from THEIR website. She continuously stated that I was not logged into their site even though I actually was, proving another technological error on their part. I took photos of my laptop as well as of my phone screen showing I was logged in to their site. She continued to say I was not logged in to their platform so I could not dispute the score I was seeing. I would like to file a complaint against the obviously incorrect score as well as the business themselves for having a flawed system that does not reflect when customers are obviously logged in. Ive attached photos showing that I was truly logged in during the phone conversation. Also photos of the drastic drop ( within 6 days of the previous score ) as well as the factors that affect my credit. There were no negative factors associated so there should not have been any reason for such a large drop in score. The date of this submission is XX/XX/2022 so any photo will reflect as today. For comparison sakes Ive attached my XXXX scores for the same period.
Product: Mortgage

Caliber Home Loans has misappropriated my mortgage payment and they are claiming that I have not paid my mortgage since XXXX 2015. This is inaccurate and I have my bank records showing that Caliber cashed the checks. I have written a letter to Caliber Home Loans with attachments showing that I am current with my loan payments and they are still threatening to foreclose on my property. It is a simple adding and subtracting issue on their end that they refuse to remedy.
Product: Debt collection

Aldous Associates at ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX shows since XXXX XX/XX/XXXX that XXXX XXXX in XXXX XXXX  sent a debt of XXXX from my account. Already called my former fitness club at ( XXXX ) XXXX and verified a XXXX balance upon closing my account in XXXX. Tried calling Aldous Associates but their voicemail was full and their office shows being temporarily closed on Maps app. This fraudulent debt collection agency shows as a high impact derogatory remark on my XXXX report. If you could please have this removed, it would be greatly appreciated. Your help is greatly appreciated. Thanks very much, XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times to have Experian remove an improperly reported debt from XXXX and they again reported that it was in collections as of XXXX ; Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Government Overpayment Experian is reporting it as : Balance on XX/XX/XXXX Loan Amount {$1200.00} AND XX/XX/XXXX C ( collection ) Status date XX/XX/XXXX I have disputed this with them XX/XX/XXXX and again XX/XX/XXXX and instead of fixing the problem, they reported that I made this debt XXXX of XXXX and I can only assume this was to be malicious. I do have the proper paperwork stating that the account was paid in full as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX,2017 I sent a request for Investigation of  unauthorized inquiries letter to Transunion. I advised that I did not authorize my credit to be pulled and reviewed for any reason. I did not hear back from Transunion in regards to the matter so I sent another letter certified mail which was stamped by Transunion received on X/XX/2017. Instead of the investigation results I received a letter explaining me the difference between hard and soft inquiries. There was no validation or result of the investigation I requested now twice. So again I sent another letter certified mail that they stamped received on X/X/2017. I 've made numerous attempts to contact the company. Today X/XX/2017 I called and spoke to a rep and inquired about the unauthorized inquiries and why an investigation was n't conducted and was advised they are paid by the companies that they are investigating and they pretty much take the fact it was reported as verification. This to me is extremely wrong and against my rights pertaining to the FCRA section 604. Simply not responding is not a solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  - XXXX XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is simply not processing my disputes. I sent them and gave them 30-45 days to process the disputes. I called them and they have the phone setup so that we can not get to a human being. You can only speak to a computer which eventually hangs up on you. Is this legal to have this setup this way because previously we could speak with people. Additionally, the reason I am calling is because my account will not let me login into to my account and submit the dispute online either. With that said, I have a XXXX casino account which is 100 percent a lie. I do not owe them anything and the dates they are stating I owe them doesnt even make sense. I also had them send in a letter stating this was false as they also stated this was false and needed to be removed. I submitted a dispute in which this account was deleted and then re added back without any notice to me from Experian. I know this is a FCRA violation and I want this account removed and I want to recieve my check for {$1000.00} dollars for the clear violation in which I am due {$1000.00} per occurence of a violation to the FCRA. I also want this account removed as it was from the prior dispute before it was magically re inserted to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want XXXX, Equifax and XXXX XXXX to add my current employer/employment information to my credit report. Please add and list my current employer on my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX, Position : XXXX XXXX/XXXX.
Product: Credit reporting or other personal consumer reports

Not sure why this happened because I have had medical coverage forever so I'm not sure I haven't been able to get my report yet from the 3 companies! I am sure that I can take care of other things on my report if I can have them plz