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

Over the past year now, I've made several attempts to dispute the inaccurate Personal Information that's being placed on my credit report by Experian, and nothing has been done, despite the notarized document I sent them back in XX/XX/2021 with my correct personal information and the inaccurate personal information, for which they failed to respond too. So I filed a second dispute letter along with a copy of the notarized letter regarding the same issue in XX/XX/2021, which I'm going to do again here. I requested that only one name, one address, and one phone number should be present on my report, and that any other personal information other than what I put on my notarized letter should be removed immediately, being that it's inaccurate. Simply put, they ignored my dispute and notarized document all together and should be held accountable. So here I am stating that the credit bureau failed to properly investigate and correct the problem. Surely this is grounds for removal, and even more, I feel that my rights have been violated under 15 U.S.C 1681 section 602 A and section 604 A section 2. I've attached documentation to help solidify my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the pictures below, you will see a legitimate police report on identity theft, an FTC ID Theft report, and a denial from XXXX  AND WELLS FARGO stating that the incorrect information from my identity theft will still be published. My identity was stolen a couple years back and actually the deeper Im looking, it looks like it is much prior than I originally thought. XXXX  AND WELLS FARGO case ID XXXX. XXXX  AND WELLS FARGO is blatantly punishing a victim of identity theft. XXXX  AND WELLS FARGO has failed to provide reason, or provide legitimate proof with any reason as to why they made a denial on my identity theft. This is done in bad faith and is a violation of the FCRA. XXXX  AND WELLS FARGO are mandated by law to keep accurate and up to date records all of which they have failed to do. XXXX  AND WELLS FARGO has failed to provide legitimate actual documentation as to why they denied my claim. They also provide no steps to determine that the account information is accurate and up to date, two years later still being punished for identity theft. If they want a lawsuit, theyll get it. XXXX  AND WELLS FARGO have violated have violated FCRA section 607 compliance procedures and failed to furnish and keep an accurate report. XXXX  AND WELLS FARGO cant tell me my identity wasnt stolen, because it was. They also violated section 611 procedure in case of disputed accuracy, by mis treating inaccurate and unverifiable information, as they failed to send me proof, as the burden now rests upon them. They are also in violation of section 617 negligent noncompliance and are purposely keeping inaccurate records on my file that should not be there. They also violate section 623 by reporting information with known errors and submitting it as accurate. XXXX  AND WELLS FARGO now have the burden of proof to show why my claims got denied other than a boiler plate answer, that it was found verifiable without showing any known proven methods. There are more additional laws and causes of action that I will add if XXXX  AND WELLS FARGO continues to violate my rights. I am in good standing with all banks. Any decision that doesnt result in this will be fully disputed. As it is not my fault for what happened.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 1681 ( o ). The information in question appears to be incorrect and I request that it be investigated and corrected. 

The disputed information is as follows : Account Name/Number : BANKRUPTCY Nature of Discrepancy : [ inaccurate information is being stated in my credit report ] Under the FCRA, XXXX am entitled to a fair and accurate credit report. The information provided in my report is causing reduction in credit score and denial for mortgage, and I request that you investigate this matter promptly In accordance with the FCRA, please provide me with the following : A full investigation into the disputed information.

Verification of the accuracy of the information reported.

A correction or removal of any inaccuracies identified.

Written confirmation of the outcome of your investigation.

If this issue is not resolved in a timely manner, I will consider seeking legal recourse for damages under FCRA 1681 ( o ), which provides for civil liability for willful violations of the act. 

Please acknowledge receipt of this dispute and inform me of the status of your investigation within the XXXX period stipulated by law. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX
Product: Mortgage

Selene Finance claims I did not have insurance for my property located at XXXX XXXX XXXX XXXX, CA. 

House is covered with full lender requirements with no lapse of insurance at any point in time. 

proof of insurance was sent along with the declaration page to selene finance via their requested medium. I sent Selene my insurance agent 's phone number, and over the course of the next 4 months I have sent them this documentation at minimum 5 times via email and uploaded directly to the XXXX website. I Had my insurance agent reach out to them directly, and provided Selene Finance with insurance contact info. 

They have continued taking money from me for a forced placement policy in the amount of at least XXXX dollars over the next 4 months. They have refused to refund me despite no lapse in coverage or errors on my part. 

Selene was notified of the new policy right away. Selene was sent insurance agent 's number. Selene was emailed copies of the insurance info selene needed, and I personally called selene to let them know the day of the binding of the new policy.

Date of last contact with Selene XXXX XXXX XXXX  Communication means E-mail Phone ( multiple disconnects and refusal to to call me back ) Person communicated with : Unknown Agent of company
Product: Credit card or prepaid card

I booked a flight for my wife and I to XXXX on XX/XX/2021 and noticed I did not have our names the same as our passports. I somehow got routed to XXXX and they assured me they would change our names for {$450.00}. Our names have never been changed with XXXX XXXX and they have never heard of this company. I contacted my credit card company ( Bank of America ) and they said it happened too long ago and said to contact the company. I did and they refuse to do anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I sent a Notice of validation of debt pursuant to 15 USC 1692g, asking for the accounting, particularly the balance sheet, showing that I owe this alleged debt. 
XXXX I received a letter from XXXX XXXX XXXX asking me to settle the account without sending me the requested material and validating the alleged debt.
Product: Debt collection

These people ( ERC ) calls me at all kinds of hours with different phone numbers. At XXXX point I had some guy called me, he had a deep XXXX like accent with and American first and last name. He claimed that I owe a debt but refused to tell me what company or what debt I owe without giving him my social security number. After I told him I refuse to pay a debt without any verification he used profane language with XXXX and threats to sue me and or put me in jail and give me a bad credit report. I believe they are the ones messing up my credit because I am in good standings with my debts. Some are nicer than others but they use the same tactics of trying to force you to give up personal information without verification of debt. I believe that most of them are of XXXX decent and all of them use American names, I do n't know if it 's part of their tactics but I believe it is misleading and illegal. Please stop these people from harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to Malen & Associates for my XXXX XXXX credit account that I have court payment agreement to pay {$40.00} a month. The lawyer at Malen received a prior complaint, however, he wasn't willing to negotiate removal of the charge-off. I have a payment agreement and I want my credit report to show I'm paying the debt and its no longer a charge-off. He refused. 

In all fairness, I am doing my part to rectify the payment of the debt. However, as a consumer, I want my credit report to reflect accuracy. ITS NO LONGER A CHARGE-OFF. Stop denying me my right to a fair report.
Product: Vehicle loan or lease

The boat was totaled on XX/XX/XXXX due to XXXX XXXX. XXXX XXXX has sent US Bank a check 3 times. XX/XX/XXXX, XX/XX/XXXX, and XXXX. US Bank refuses to cash the check and pay off the loan. I have called consistently for four months trying to get this problem resolved and no one from the company will help or call me back to tell me why they will not cash the checks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Filed a complaint with the cfpb earlier this month and Equifax ADDED more incorrect late payments on my already incorrect credit report! I'm beginning to get stressed about this situation Please fix it ASAP. 


XXXX XXXX I was never late on XX/XX/XXXX XXXX XXXX I was never late XX/XX/XXXX XXXX Have never done business with a company XXXX XXXXf XXXX Account was in forbearance and is in good standing but reporting with lates. XXXX XXXX XXXX XXXX Never validated XXXX XXXX I was never late XX/XX/XXXX this is a closed account and was a bank error! XXXX XXXX - This account has been up to date for over 9 years and they won't respond to my request to update it.
Product: Money transfer, virtual currency, or money service

my identity was stolen and someone got a hold of my PayPal account and used my account to make unauthorized purchases. As a result of this there was a negative balance of {$1000.00} in my PayPal account and multiple other transactions. I call and informed PayPal of this over 3months ago and it still hasn't been resolved, now they fully locked my account and sent it to a collections agency. I have been calling all day to try and fix this issue and they just keep transferring my around to different department, I have talked to the collections agency, the PayPal credit dept. and many other department but no one is doing anything, I even requested to speak to a supervisor and they told me a supervisor will give me a call back today and im still waiting on the call. They have not even informed me of the results of my fraud claim or given me any updates. This is beyond ridiculous I have never seen nothing like it, horrible customer service, they are either misinformed and dont not what their doing or just transfer you to another department just to get transferred back somewhere else.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : 1. Charged-Off Account or Collection Account Creditor/Collection Agency Name : XXXX XXXX XXXX Account XXXX : XXXXXXXX XXXX Agency Name XXXX XXXX XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX FUNDING Account Number : XXXX Creditor/Collection Agency Name XXXX XXXX XXXX  Account Number : XXXX Creditor/Collection Agency Name : XXXX XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXXXXXX XXXXXXXX XXXX  Account Number : XXXX Creditor/Collection Agency Name : XXXXXXXX XXXX XXXX Account Number : XXXX Creditor/Collection XXXX Name : XXXXXXXX XXXX XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXXXXXX XXXX ASSOC Account Number : XXXX Creditor/Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX Account Number : XXXX Creditor/Collection Agency Name : SST Account Number : XXXX Issue : This account was charged off/placed in collections without proper notification or validation of the debt. 

I requested validation of the debt per my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), but the creditor/collection agency failed to provide sufficient documentation. 

The reported balance and payment history contain inaccuracies that I have disputed with the credit bureaus, yet the creditor refuses to correct or remove the erroneous data. 

The account was sold to a third-party collector, yet it remains listed under the original creditor, creating duplicate reporting and unfair harm to my credit profile. 

I am requesting the immediate deletion of this inaccurate and unverifiable account from my credit report or proper documentation proving its validity.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the account below : Account : XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an affidavit of truth and facts to Equifax. An unrebutted affidavit stands as truth and a claim can be satisfied ( only ) through rebuttal by counter affidavit point by point. I've sent this Affidavit of truth and facts so the CFPB can authenticate sworn testimony from my end.
Product: Debt collection

Today XXXX/XXXX/16 at my place of employment I was contacted by Weltman, Weinberg, and Reis. This is the 2nd time they have contacted me at my place of employment even after I submitted a complaint to the consumer financial protection bureau on Friday XXXX/XXXX/16. Today was a different man attempting to contact me. His name was XXXX XXXX. Phone number XXXX ext XXXX. He would not state what debt the call was about. This is the second time this company has attempted to make inappropriate contact with me.
Product: Mortgage

There are several issues right now which has led me to filing bankrupcy to protect my home. I have lived in my home for XXXX in a XXXX  years, Back in XXXX I bought my home for XXXX with a XXXX  year fixed loan and a XXXX XXXX interest rate. I worked at the mines for XXXX  years and never missed a payment. I had taken out a loan against the property in XXXX for XXXX which was considered a XXXX mortgage. I was paying XXXX monthly every month. Than in XXXX I had a XXXX XXXX and was forced into retirement i also had a XXXX which has completely ruined my memory. I am getting foreclosed on for delinquent taxes which i have always had escrow taken out of my payment every month and never had a problem. now they want to take my home away? Why and how do i owe more than what i originally got my loan for XXXX  years ago. I still owe XXXX dollars on my home and it is worth XXXX dollars now. I quit making payments on my home to both companies because i did not know where my money was being applied to. I need answers I should have my house payed off or pretty close to having it paid off. Last year I was in good standing with the XXXX XXXX XXXX and got help from the HAF program in Wyoming and they applied XXXX dollars to that mortgage so i could pay off the XXXX every month on the loan i took against the property so i was paying XXXX every month because i did not have to make a payment on the first loan due to the HAF program paying me XXXX ahead. They have no record for that payment and now saying i am XXXX dollars behind. something is not right I do not know weather to hire an accountant to help or an attorney to help i am at loss for words and refuse to lose what i have worked so hard for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two amounts appear on my credit score under  XXXX only. The amounts are {$500.00} and {$340.00}. They are originally debts from XXXX XXXX XXXX. The filing collections co is North American Credit Services. Both debts were paid off on XXXX XXXX 2017. North American Confirmation numbers are, # XXXX and # XXXX. At this point North American has neglected or refused to take this off my credit score. Thanks
Product: Vehicle loan or lease

I had received a call from the credit company that I have my car loan from, which is through the car dealer directly. I had been 14 days late on my payment, which I had completely been aware of. I had missed the call due to being at work where it is nearly impossible to answer my personal phone. A voicemail had been left that the car had been XXXX due to the late payment and that the were sending a " repo '' man. Now mind you, I had not heard that voicemail until later in the day. With that said, I was in the middle of conducting an interview at work and receive an urgent call from office staff. They informed me that a " XXXX '' was here for me and I informed the staff that I was in the middle of an interview. I finished the interview and the front staff informed me that a " repo '' man, XXXX, was here and booted my car. How is this acceptable to send a repossession company to enter the place of employment to render a vehicle, and relinquish my personal information with employees in the office who are NOT aware of my financial situation. This not only reflects poorly on that dealership but more importantly defames my character in front of others. This is not only embarrassing but has caused me emotional and physical distress due to my private information being discussed with unauthorized persons. This is a clear violation of the Federal Trade Commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX I contacted Experian regarding several medical collection accounts by XXXX XXXX XXXX appearing in my credit file. I have requested that Experian disclose to me all of the documents that they have recorded and retained in their file verifying that these collection accounts belong to me. On XXXX XXXX, XXXX I contacted Experian again requesting the same information and asked for the names of the representative they spoke with to verify this information. On XXXX XXXX, XXXX I mailed Experian proof that there is know way they verified this information, due to the fact that XXXX XXXX has no record of these accounts. On XXXX XXXX, XXXX I received a letter from Experian stating they are still investigating my dispute. But they had already sent 2 letters stating this information had been verified, so all they have to do is look in their records and advise who they contacted and send me the information. Experian has had since May to verify this information and send me the documentation. Now today I check my credit score with no changes my score has dropped XXXX points. I am working hard to clean up my credit, pay accounts on time in order to purchase a home for my family. If you look at my credit file you will notice payments on time, utilization is down. Then for Experian to drop my score because of these unverified medical collections is unfair and unethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

The below accounts are reporting to all three of the credit reporting agencies under my name and my info, I have contacted these companies advised them, that this has to be a mistake because I have never done business with any of them and that these accounts are reporting to my credit negatively and that its is effecting my family livelihood. Please see the list of the accounts and all the details, of which i do know. 

XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance {$210.00} XXXX XXXX XXXXXXXX Account # XXXX Opened XX/XX/XXXX Balance {$3200.00} XXXX Account # XXXX Opened XX/XX/XXXX Balance {$100.00} XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$3200.00} XXXX Account # XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$100.00} XXXX XXXX XXXX # XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 100
2 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

After many many times explaining to Equifax and speaking with the fraud department explaining that these are fraud accounts and inquiries they have not done anything to delete these things from my report. Please help me get this issue resolved once and for all. Please review the attached information and delete this information.