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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX and XXXX XXXX are accounts that I did not authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this inaccurate information to XXXX XXXX  XXXX. With all three bureaus XXXX, XXXX and Experian. I have added an attachments from all three bureaus showing different information on my credit reports. XXXX XXXX XXXX have inaccurate updated information with the Date being reaging the account to ( XX/XX/2021 ) this account is over XXXX years old.
Product: Debt collection

XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX contact XXXX who is a Collection Department/Attorney/Agency who threatened to put this particular debt and another on my credit after I told them that I do not know who they are, I do not have an account with them and NEVER had an account with them. I have seen at least XXXX times in 1 month where they have attached derogatory remarks and collections to my credit which i'm sure is illegal. I have attempted to dispute the information which is damaging my credit. I am filing an official complaint because my debt was sold to this agency from Florida XXXX XXXX, which I never received an invoice or bill for {$560.00}. I explained that to them on a line i record and now my credit is being damaged and i never even knew i owed them until recently! I have a copy of the credit report where they are putting derogatory remarks and collections on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX, NV XXXX Equifax - XXXX XXXX XXXX - XXXX, GA XXXX Payment of {$300.00} posted XX/XX/21. Statement Date XXXX shows this payment reducing the balance from {$460.00} to {$190.00} ( +/- other minor adjustments ). TWICE since the payment was posted, XXXX XXXX has stated to Equifax that the balance is still {$460.00}. 

When I called XXXX XXXX to try to ask them, they acknowledged the lower balance but refused to send the updated balance to the credit bureau. 

While I have a dashboard account at Equifax, there is no way to refute a factually incorrect response to a dispute. The phone menu systems do not allow for human interaction and I have found nowhere on their site where I can submit documentation showing the correct balance as stated by XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I tried two to three different times to obtain my consumer credit report from LexisNexis and did not receive it. Under the law, I am entitled to it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XXXX-17 I noticed that account that were discharged in bankruptcy were still showing on my credit report. I no long wish for my personal information to be available through XXXX XXXX, XXXX, Experian please opt me out of any and all commercial services available to the public or Third party companies. The following companies and information is list in error on my credit report : XXXX XXXX XXXX # XXXX, Please delete error. This account XXXX XXXX # XXXX was in a Bankruptcy please delete error. I was under the impression that bankruptcy information and date was being removed from credit reports if that can be updated that would be great so I can refinance my home. These account XXXX XXXX XXXX # XXXX, XXXX XXXX CO XXXX XXXX, are listed wrong please delete bankruptcy.
Product: Debt collection

Good Evening - I was going through my credit report and noticed a collection from Diversified Adjustment Services, and when i called them they mentioned that it was a {$130.00} bill from XXXX phone. I honestly don't recall ever had a relationship with XXXX and consider it was a small amount I went ahead and paid it off. However, as I was looking through my credit, I see major discrepancies on the way this particular collections account is reporting on my credit report. Also, I have never received any written notification about this debt and I never had any time of relationship with his company. I honestly paid this account under duress and would like it to be truly investigated and removed from my credit file. One credit bureau shows {$0.00} balance and the other shows {$130.00}, and when I call they mentioned {$100.00} ... .So what is it?
Product: Vehicle loan or lease

xeter has been reporting late payment on my account since XXXX XXXX. I contacted them XX/XX/2022 and spoke with someone and they provided me with a payment extension for XX/XX/XXXX & XX/XX/XXXX, they sent the form on XX/XX/2022 and I signed the form on XX/XX/2022. I checked my credit recently and I see that it has been reporting late XXXX, XXXX, XXXX XXXX, and XXXX. I called and was told I needed to email the report and forms showing where I did sign, I did that and was told it had to be sent via the portal. I then submitted the forms via the portal. I was then told it needed to be mailed in to disputed. I disputed the issues with all credit reporting agencies, providing the signed form and stating that it was submitted so I don't understand how it late. I received a letter back from Exeter stating nothing would be updated, the late payments were staying. I then called Exeter and explained the situation and was told the extension was not applied because it was never received and that is why the late payments are remaining. Exeter agent basically insisted I never completed the form. I then contacted the company XXXX XXXX and confirmed in fact I did sign the form and it was sent to me on XX/XX/2022, and then submitted to them on XX/XX/2022. I had XXXXXXXX XXXXXXXX email this along with forwarding over the confirmation email that was sent on that day when I signed. I emailed all this information to Exeter again and was told to send via portal. I then sent via the portal then I was told told this should be handled by the phone. I called Exeter back once agin and the first agent stated I should be emailing customer service about this, I explained I had done this, he too insisted well I didn't submit the form and it was my responsibility to make sure the form was received, even though I received a confirmation email that came from XXXX @ XXXX that the form was completed and sent. No one is trying to assist or look into the issue with their system, I need help addressing.
Product: Mortgage

I 've contacted my mortgage company several times to report my mortgage and they have refused to do so.
Product: Debt collection

This company ( Consumer Collection MN ) ( Account # XXXX, XXXX ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA. 


Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Division of Finance is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises. 


Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office.

Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX XXXX : House of XXXX XXXX. 
1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement.

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
Product: Credit reporting or other personal consumer reports

I noticed on my credit report accounts that I did not authorize. I filed an FTC report due to information exposed in data breach, please remove all unauthorized accounts below. 

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

I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong old addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me
Product: Payday loan, title loan, personal loan, or advance loan

Ive been a client of CashnetUSA for almost 15 years. I have secured advances and made consistent payments over the tenure of this account, In XX/XX/XXXX, I requested a payment adjustment and the payment of {$450.00} was deferred to XX/XX/XXXX, however I would still be responsible for the XXXX payment of {$400.00}, totaling {$850.00} payment due on XXXX XXXX. I was also advised that my account was shut down because I live in North Carolina, a state that does not allow payday loans. 
This surprised me, since I have lived in NC since XXXX and CashnetUSA has allowed me to take advances up until XX/XX/XXXX. I see this as a violation of NC laws regarding payday loans. However I agreed to the account being shutdown and expressed to pay back the balance remaining. I asked for a reasonable installment plan that would dissolve the balance. They insist that I make these exorbitant payments while they continue to add high interest and fees. They have not offered any other remedy. 
I am now XXXX XXXX XXXX, XXXX and my only source of income is XXXX XXXX. Quite a change in my financial situation since originating the loan XXXX  years ago. 
Looking to resolve this issue and willing to payoff the debt under reasonable terms.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Debt collection

I received a call from a company stating that I had XXXX outstanding payday loans from 2011. I was told that I had taken out an online payday loan in the amount of {$400.00} on XXXX/XXXX/11 and another in the amount of {$450.00} on XXXX/XXXX/11. I disputed these charges. The company claimed that they could not provide me with any documentation supporting this claim and they refused to give me any contact information for the lenders in question. They had my bank account number, the last XXXX of my SSN, and my email address. I repeatedly stated that I did not take out any online payday loans, and after repeated requests for more information I was advised to do my own research.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this account with Experian, XXXX, and XXXX via USPS certified mail. 

I also sent 2 debt validation requests via USPS certified mail to XXXX XXXX XXXX on XX/XX/2022, and XX/XX/2022. XXXX XXXX XXXX ignored my request for debt validation and failed to respond in over 60 days. I dont even have an original account with whom they say the original creditor is or a similar dollar amount of {$600.00} reporting on any of my credit reports. This is why I wrote to XXXX XXXX XXXX directly to validate the debt in the first place. 

XXXX completed their investigation and deleted the account from my credit report. 

As of XX/XX/2022, both Experian and XXXX verified and or updated the account as accurate however they didnt actually verify it and they are continuing to report it on my credit report. By their continuous reporting of an unknown and or unverified account, they are in violation of the FDCPA. 

This is continuing further collection activity which is also a violation of the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am going through a very ugly divorce, my estranged husband joined a cult ( XXXX  XXXX XXXX ). He filed a bogus lawsuit against XXXX, XXXX, the VA, etc... .I took over making the mortgage payments in XXXX when I discovered that he was not making the payments. I reached out to XXXX and was working with their legal team to help me protect myself and the mortgage. I was advised to place a security pin on the account so that he could not call in under me when I filed for divorce in XXXX. In XXXX the XXXX Police Department XXXX team removed XXXX from the house when an order of XXXX was served against him. I have made every payment on time for the past few years since I took over the payments. I schedule my payments in advance due to my extensive travel schedule. I scheduled my XX/XX/XXXX payment in advance as I usually do, on XX/XX/XXXX, I received a call from XXXX XXXX stating that my payment was not made and I told her my payment was made back in XXXX. I looked on my bank account and did not see the money withdrawn. I went back on the website and the payment had been canceled. I immediately rescheduled the payment and spoke with another representative about what I could do to protect myself. I was advised that they could not stop him from accessing the loan account online because his name is on the loan. The part that hurt the most that XXXX would go months and months without reporting my positive payments but this one incident that I had no control over was reported immediately and it affected my credit score. I reached out to them and asked them to correct this as it was not my fault. I emailed them twice and called numerous times. I opened a dispute with the credit bureaus and nothing was done. I was told to schedule my payment the day I want it to come out, to keep him from canceling. I can't do that when i am overseas or traveling. I have tried refinancing but he would have to sign the documents. My attorney is back in court with a TPRO against my estranged husband as he has did this also with my bank account. I sent this over to XXXX XXXX. The mark on my credit report will hurt me with trying to refinance as my credit has been affected. This is unfair to me as I make my payments and there is no way to help me against this man and the malicious things he is doing. I am asking for XXXX XXXX to remove the 30 day mark against my credit.
Product: Mortgage

I purchased a home in XXXX, XXXX in XXXX, MD. I was up-to-date on my payments until XXXX XXXX. The house was listed for sale in XXXX XXXX as I had secured a position in XXXX to begin in XXXX XXXX ( XXXX ). I attempted to get a deed-in-lieu from my mortgage lender but proceeded in getting referred to office, number, after office, number. I moved to XXXX XXXX XXXX ( the house remained on the market ) but continued to make mortgage payments on the property for 3 more months. All the while getting the run around by the lender about deed-in-lieu, short sale, etc. 
Finally, I XXXX XXXX I declared bankruptcy for basically just the property. Unfortunately, my lawyer did not explain to me that while Chapter XXXX wiped out the debt - the property would remain listed in my name until a foreclosure sale was held. I was led to believe the bankruptcy would remove the home, mortgage, and property taxes from my name and return it to the lender. 
The lender sat on the this property until XXXX!!! Finally, in XXXX of XXXX it was auctioned off. According to an attorney I was working with during that time, the property sold at auction in XXXX XXXX. This was verified by myself with the XXXX County Courts. 
The problem : The purchasing party at the auction did not transfer the property out of my name until XXXX XXXX! when they sold it to a private party. I believe the purchaser of the property at auction as JP MOrgan Bank. Because of their fraudulent or negligent behavior, I have been prevented from purchasing another home. I have been gainfully employed since XXXX. This issue came to light, when 3 years after my bankruptcy, I put a contract on a home. At that time, I was attempting to secure an FHA loan. It was found that although it was 3 years after the bankruptcy - it was not 3 years after the foreclosure because the property sat as a " phantom '' vacant house up to that time. I was told I would need to wait 3 years after the property was sold at foreclosure. 
I have done that - waiting patiently for the opportunity to buy a home. Now, I am checking the Maryland XXXX real property site and it is showing the property did not sell until XXXX, XXXX. But both my lawyer and myself confirmed with XXXX County courthouse the property DID indeed sell at auction in XXXX XXXX. 
Can you please, please help me? I would very much like to secure an FHA loan to purchase a home and would like to begin my search in XXXX before my lease is up. 
Thank you very much for your time.
Product: Checking or savings account

JPMorgan Chase Bank , N.A . acquired my previous bank First Republic Bank. The transition date for commercial checking accounts was XX/XX/XXXX. Since that day I have been unable to access the commercial checking account for my business or check on the status of the account. 

In attempting to resolve this, I have spoken to 11 employees of the bank in the client services group, the local branch, the commercial banking group, and the tech support group and spent roughly XXXX hours on the phone. So far there has been no progress in getting access to this account, and the current state is that they have no one for me to call that can resolve this problem. I am informed by XXXX of commercial banking and XXXX XXXX in the local XXXX XXXX branch that the request for access is escalated, but no indication of who to or what the timeline for a response is, now 11 days after I lost access to the account and the money in it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX, The Living natural person, have been a victim of fraud and deceptive abuse upon trading and commerce business. For the record, I never gave AMERICAN CREDIT ACCEPTANCE authorization to assign themselves as lien holder, POA, etc. However it is to my overspending this company has intentionally falsified this documents in order to control my personal information and assets. In addition, to the Un-authorization of credit reporting AND WITHOUT MY CONSENT PURUSuANT to, breach of contract due to the fraudulent and non disclosures within the intentionally furnished and deceptive statements made from AMERICAN CREDIT ACCEPTANCE, in collusion with the DMV. I am demanding for the account with XXXX, XXXX and other third party companies who have bought my information or obtained unlawfully. I have sent ACA a Notice of Recession and Notice of Cancelation pursuant 12 CFR 226.15 and 15 U.S. Code 1635.. I am requesting for the account to be removed and Deleted, from credit bureaus such as XXXX and XXXX. Also to remedy any paperwork within the DMV and other departments with this falsified in formation. Upon Purchasing my vessel it was clear I intended to not have a lien holder placed, nor assumed power of Attorney on behalf. However, XXXX decided to monetize and fraudulently assign themselves as such. In addition, to a recent claim with XXXX, the company has decided that my recoveries will be given to a false lien holder instead of myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of 2017 I received a hard inquiry from Capital One, which I did not authorize. I DID not request to obtain directly or through third party any loan or line of credit or charge card from Capital One in connection with this request ( as I already have one and do not desire anymore at this current time. )
Product: Money transfer, virtual currency, or money service

Company sends out marketing emails and other communication without an ability to unsubscribe. I have tried to unsubscribe and can not. 

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

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX have 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 purpose.