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

In accordance with the FCRA, Equifax has violated my consumer rights. 

15 US Code 1681 States I have the right to privacy and that a consumer reporting agency can not furnish an account without my written permission or instructions. 

I have even requested documentation proofs ( HARD COPIES ) of my written consent and never received them, only to be sent a copy of my consumer report as they have with each complaint. 

Please see attached...
Product: Credit reporting or other personal consumer reports

Incorrect information regarding account status and delinquent amounts, late payments and addresses
Product: Credit reporting or other personal consumer reports

I disputed this on my account multiple times on my credit report, and it still shows the account " Account Not Disputed '' which is a violation of the law. 

XXXX XXXX - XXXX please provide proof I was late on this account by sending over bank statements from the data furnisher or else I was never late. Send over everything, NOT JUST THE BILLING STATEMENTS. One relevant case that addresses the obligations of CRAs is XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, where the court held that simply sending billing statements does not suffice as proper verification of a late payment. And tell me the method of investigation you used : 1. Who did you speak to? 2. What was the method used to verify this account? 3. What is the name of the person and what time did you speak to them? 4. Was a XXXX form used or was this through electronic automatic dispute verification? You have 15 days to respond
Product: Mortgage

I received a mortgage loan modification in 2012 and I believe I was deceived into signing papers to save my home. I was told numerous times over the phone by Nationstar Mortgage that I qualified for a loan modification because I had successfully made all my mortgage payments. Yes, I made all my mortgage payments, so why did they ( Nationstar Mortgage XXXX add an additional {$260000.00} on top of my original mortgage loan with the modification??? I was deceived and lied to and this is a SCAM by Nationstar Mortgage. I made all my mortgage payments and paid all late payments. Then I made additional trial modification payments and I was told on the phone I would not get any additional fees because I made all my payments to qualify for the loan modification. Did Nationstar Mortgage pocket and dissapear all my mortgage payments I made prior to the loan modification??? I just now realized that they ( Nationstar Mortgage ) committed FRAUD with me because they added additional fees to my mortgage loan that I never had before. Please help me to remove the amount of {$260000.00} that Nationstar Mortgage added to my mortgage loan by FRAUD. Nationstar Mortgage lied to me and deceived me into signing papers to do a mortgage loan modification with the Nationstar Mortgage, which now changed it 's name to Mr. Cooper Mortgage.
Product: Payday loan, title loan, or personal loan

I contacted One Main Financial for an installment loan of {$1500.00}. I was contacted promptly by the store located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX. After leaving the store I realized I was also sold various insurances that I did not need for another {$1500.00}. So even though I only needed a {$1500.00} loan I was sold a {$3000.00} loan. I 've ran into some issues paying the debt due to a increase in child support. I contacted One Main Financial and asked that the insurances be canceled and a final balance sent to me for payoff. The company has refused and instead started a constant barrage of phone calls to myself, my employer, family, and parents. They call at least 10 times per day and my employer is getting upset. My parents are also upset as they are over XXXX years old with XXXX XXXX. Yesterday, my parents were waiting on a phone call from the XXXX XXXX. regarding a XXXX XXXX XXXX result. Instead they were met with more calls from One Main Financial.
Product: Credit reporting or other personal consumer reports

Ally and the credit bureaus ( XXXX, XXXX, XXXX ) are continuing to report a fraudulent account that should have been removed along with other accounts proven to be unverified. Despite submitting identity theft documentation and multiple requests for verification, no legitimate proof has been provided. Instead, they have manipulated the account details, re-aging it to make it appear recent. This has caused ongoing damage to my credit and is a clear violation of proper reporting standards. 

I have already seen other fraudulent accounts from the same period of identity theft successfully removed, proving that they could not be verified. However, Ally and the credit bureaus are failing to act on this account, despite the documentation I provided during my medical incapacitation, as detailed in my FTC Identity Theft Report. 

There is no valid reason for this account to remain on my report, and the lack of transparency in the process of re-aging the account to prolong its negative effect raises significant concerns.
Product: Consumer Loan

Already submitted case # XXXX. This is an update to report further harassment. Today, XXXX/XXXX/16 at XXXX, I was again harassed to pay a late payment in error. Payment was withdrawn from my account by Discover nearly a week ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a open dispute with equifax its been 30 days and I havent received an update on my dispute status
Product: Credit reporting, credit repair services, or other personal consumer reports

For open account that has invalid late payments should be updated in my credit profile report as paid on time. 
Under 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

For Open Account Invalid Latepayment XXXX. XXXX XXXX XXXX. XXXX XXXXXXXX
Product: Vehicle loan or lease

A few days ago we went to Honda and tried to loan a lease that I already had, but since the beginning I told them not to do any inquiries on my credit, they said its was ok that they didnt have to because I was a client of Honda for many years and that I wasnt going to get any problems suddenly I see all this inquiries from their side I think they are about nine so I called them back to get out of the deal and they recognized That they shouldnt have done that The sales person told me that it was the broker and the broker said he didnt do it and that he is not responsible for it he recognized its wrong and he apologized so please help me. I been working really hard to get my credit up and this is not fair
Product: Credit reporting, credit repair services, or other personal consumer reports

There is 2 XXXX  accounts that are showing on my credit report as paid and charged off and still reporting each month as a charge off and dropping my credit score monthly. These were included in a Bankruptcy that was done in XXXX. I spoke with a rep in XX/XX/XXXX and XX/XX/XXXX. I was told that the information would be updated and fixed. These have yet to be updated.
Product: Debt collection

This complaint is with XXXX XXXX XXXX, I have bills showing up on my score that have already been paid, they have opened another suit on me for bills Ive paid and have garnished wages again trying to collect money on something that has been paid. Ive tried calling and telling them the situation but they are still trying to charge me again, and now I see them on my credit report. They are calling and harassing me still. Thank you!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is incorrectly showing an account in as 'in collections. ' The account in question was paid in full and closed early in XX/XX/2016. I have disputed this with Experian more than four times using their online system, 3 times by phone, have contacted the original owner of the debt, XXXX XXXX University, and confirmed it is an Experian error, and have even provided documents from the original debt owner and contact information for them to Experian. My last phone call to Experian involved talking to a 'manager ' for over an hour who said he could see the problem and was writing a lengthy description so that it would be fixed. Experian 's 'dispute ' team by phone has repeatedly told me they 'have no idea ' how the dispute process is handled, and clearly their 'process ' does not involve actually contacting the owner of the debt who, as stated, has already validated that this was paid and closed in XX/XX/2016. Experian is clearly not even investigating the matter.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep concern and dissatisfaction regarding the multiple attempts to correct the late opening of accounts and the removal of late-closed accounts associated with my account at your esteemed institution. 

I initiated the process to open and close accounts, respectively. Unfortunately, these actions were not processed in a timely manner, leading to significant inconveniences on my part. Despite my repeated attempts to rectify the situation through various channels, the issue remains unresolved. 

I have made numerous phone calls to your customer service department, visited the branch in person, and submitted written requests through your online portal, all in an effort to expedite the resolution of this matter. Regrettably, each interaction has yielded nothing but assurances and promises without any concrete action taken to address the delays and errors in the account processing. 

The impact of these delays has been substantial, affecting my financial stability and causing undue stress. Furthermore, the late opening of accounts has resulted in missed opportunities and financial setbacks that could have been avoided with prompt and accurate processing. 

I understand that errors can occur in any institution, but the repeated failures to rectify the situation and the lack of communication on the progress of my case have left me frustrated and dissatisfied as a customer. I believe it is within my rights to receive timely and accurate service from your institution, and I am disappointed that this has not been the case. 

In light of the above, I kindly request that you take immediate and effective action to resolve this matter. I expect a thorough investigation into the root cause of the delays and errors, as well as a transparent and communicative process for keeping me informed on the progress of the resolution. 

If the necessary steps are not taken promptly to rectify this situation, I will be compelled to escalate this matter to the relevant regulatory authorities and consider pursuing legal action to protect my rights as a consumer. XXXX XXXX XXXX XXXXXXXX Balance Owed : {$120.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX XXXX XXXX XXXX : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 

XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX XXXX XXXX : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached the peak of my peatiece bedacuse of the credit Bureaus inability to verify the information being reported on my Credit report. I started disputing the accounts from my Credit report which I believe to be reporting erroneous information on XX/XX/2022 and the the most recent letter I sent was dated XX/XX/2022 with complete attachments of my personal identifying documents. I have been requesting the Credit Bureaus to correct the information they present on my Credit File and yet they have done nothing! The Credit Bureaus are required to verify for themselves. They have continued reporting the disputed account claiming to be reporting accurate and verified information. I do not agree with their findings and demanded documents as proofs of verification which they have faield to provide. The following accounts which I believe to be reporting erroneous information must be corrected under the provisions of the Fair Credit Reporting Act : 1. DPT EDXXXX XXXX Balance Owed : {$2300.00} 2. DPT EDXXXX XXXX Balance Owed : {$10000.00} 3. DPT EDXXXX XXXX Balance Owed : {$5500.00} 4. DPT EDXXXX XXXX Balance Owed : {$3200.00} 5. DPT EDXXXX XXXX Balance Owed : {$5500.00} 6. DPT EDXXXX XXXX Balance Owed : {$10000.00} 7. DPT EDXXXX XXXX Balance Owed : {$4700.00} 8. DPT EDXXXX XXXX Balance Owed : {$4600.00} 9. DPT EDXXXX XXXX Balance Owed : {$10000.00} 10. DPT EDXXXX XXXX Balance Owed : {$1700.00} 11. DPT EDXXXX XXXX Balance Owed : {$4900.00} 12. DPT EDXXXX XXXX Balance Owed : {$5700.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Goodwill Removal of Late Payment Dear Sir/Madam, I hope this letter finds you well. I am writing to request your consideration in removing late payments from my credit report for the accounts listed below. I have been a responsible and timely payer overall, and I sincerely regret the oversight that caused the late payment in question. 

Account Information : XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : # XXXX The late payments occurred due to a rare medical condition I was dealing with during that time. This condition caused unexpected health complications that made it difficult for me to manage my financial responsibilities. While I fully understand the importance of making payments on time, my primary focus during that period was on recovering my health, which caused a delay in my payment processing. 

Since then, I have made every effort to get my finances back on track, and I have ensured that all my payments are up to date. I deeply value my credit and am committed to maintaining a good payment history moving forward. 

As a loyal customer, I kindly request your assistance in removing these late payments from my credit report as a gesture of goodwill. I believe this removal would more accurately reflect my overall creditworthiness and my commitment to fulfilling my financial obligations. 

I greatly appreciate your time and understanding, and I look forward to hearing from you regarding this request. If you require any additional information or documentation, please feel free to contact me. 

Thank you for your consideration. 

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

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I receive a paper statement in the mail however, this statement failed to be delivered. When I realized that this statement never arrived I immediately contacted the creditor and made the scheduled payment. I was assured by the representative that I made the payment with that no late fee would be given. I did not realize there was a late fee until I obtained a copy of my most recent credit report. This false reporting of lates is seriously harming my credit score and this item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Debt collection

I received a random debt collection in the mail for {$98.00}, for a company I never used, XXXX XXXX. They sent a debt collection through Radius Global Solutions LLC which I contacted and they said to contact XXXX XXXX. They claimed someone was using my bank account to use their services. I stated I have no charges from XXXX XXXX. They then said yes that is why you need to file a dispute with your bank. That is how I knew they were scammers sending fake debt collections. Radius Global Solutions LLC is apart of it as well as they have not emailed me back about filing a false debt collection. I am still able to access the portal to pay for the amount which should not be possible as it should be locked until they provide evidence of fraud. The email address provided is also fake, they do not receive the emails.
Product: Credit reporting or other personal consumer reports

I REVIEWED RECENTLY MY CONSUMER REPORT, I HAVE SEEN INACCURATE INFORMATION AND ACCOUNTS STILL REPORTING THOUGH IT WAS ALREADY DISPUTED SEVERAL TIMES. I AM SO FRUSTRATED BECAUSE UNTILL NOW, NO ACTION ARE BEING TAKEN BY XXXX, XXXX AND TRANSUNION. 

STILL REPORTING IN XXXX Incorrect information reporting : Incorrect Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV, XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, NV, XXXX - This in incorrect. 
Please remove this immediately and only report accurate information. 
Account status is not correct : XXXXXXXX XXXX XXXX - XXXX Update the account status. 
The following account is not mine : XXXX - XXXX Please remove from my report. 
XXXX XXXX XXXX XXXXXXXX Please remove from my report. 
This inquiry is not authorized : XXXX - XX/XX/year> - This inquiry is not authorized. Please remove from my report. 

STILL REPORTING IN XXXX Incorrect information reporting : Incorrect Address - XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, NV, XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
Account status is not correct : XXXXXXXX XXXX  XXXX - XXXX the account status. 
The following account is not mine : XXXX - XXXX Please remove from my report. 
XXXX XXXX XXXX  XXXX Please remove from my report. 

STILL REPORTING IN TRANSUNION Incorrect information reporting : Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, NV, XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXX XXXX XXXXXXXX, NV, XXXX - This in incorrect. 
Please remove this immediately and only report accurate information. 
Account status is not correct : XXXXXXXX XXXX XXXXXXXX - XXXXUpdate the account status. 
The following account is not mine : XXXX - XXXX Please remove from my report. 
XXXX XXXX - XXXX Please remove from my report. 
These inquiries were not authorized XXXX XXXX  XXXX - XX/XX/year> - This inquiry is not authorized. Please remove from my report. 
XXXX XXXX - XX/XX/year> - This inquiry is not authorized. Please remove from my report. 
XXXX XXXX - XX/XX/year> - This inquiry is not authorized. Please remove from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone got my XXXX XXXX card and used it, Ive been trying for a very long time to Disput this  account, which they had removed the negative items from my credit report and then put it back, this is very unfair to me
Product: Debt collection

Dear Sir and Madam, The reason I am sending this complain regarding a company name : XXXX and XXXX XXXX. 

The first time I ever heard from this company is that I received a debt letter over the mail from them claiming I owe them : {$4600.00} around XX/XX/23. 

I have No Business Relationship with XXXX and XXXX ( lack of standing ) or sign any contract agreement with them. 

They did not provide me proof of the debt including validation notice from the XXXX days of the first contact. 

My understanding is that If the collection agency failed to validate the debt, it is not allowed to continue collecting the debt. 

Please see XXXX XXXX XXXX XXXXXXXX After I reply back to them ( XX/XX/23 ) in the 30 days respond under the law term with a Verification of Debt Request, they provide with some documents with lots of missing/lack information. Here is some of the missing info : 1 ) Failure to respond by not providing all document requested from the Verification of Debt request sent to them via priority mail.

2 ) Did not provide proof of license in the state of NYS to collect Debt 3 ) Did not provide or Tell me when the creditor claims this debt became due and when it became delinquent.

4 ) Identify the date of the last payment made on this account with the original creditor.

5 ) Chain of Titles/Chain of Assignments 6 ) The name of the creditor to whom the debt is currently owed ; the account number used by that creditor, and the amount of the debt.

7 ) The amount and age of the debt, including a copy of the last billing statement with date sent to me by the original creditor.

8 ) Provide me with proof of Good Standing under the laws of New York and the Secretary of State along with information regarding your Registered Agent for Service of Process. 

Please see also the enclosed copies of letter from them including the response and the verification debt request sent to them. 

Thank you for your consideration in this matter. 

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

Ive just paid for a copy of my credit reports, and reviewed my credit file as is being reported with you, XXXX credit services, and noticed there are several inaccurate accounts and/or items on my report. This means that the below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. As per section 609, I am entitled to see source of the information, which is the original contract that contains my signature.
Product: Credit reporting or other personal consumer reports

The credit bureaus Equifax, XXXX, and XXXX are reporting bankruptcies on my credit report, attributing the information to the US Bankruptcy Court. I have attached a letter from the US Bankruptcy Court verifying that they do not furnish information to credit bureaus or any credit monitoring service, nor do they verify or validate any information concerning bankruptcies. Equifax, XXXX and XXXX is falsely reporting this information on my credit report and has not yet removed it. The United States Bankruptcy Court does not have authority over credit reporting agencies and does not report to any of them. Bankruptcy petitions and case dockets are considered public records. The Fair Credit Reporting Act, specifically Section 605, governs credit reporting agencies. According to this law, credit reporting agencies are prohibited from reporting bankruptcy cases on an individual 's credit report. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report, you shared my personal Information without my consent. this is identity theft ; you are criminally and CIVILLY LIABLE.