23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Over the last few months, someone has been using my SSN for personal gain. I have tried to explain to Jefferson Capital Systems. But I am being harassed. I do not owe Jefferson Capital Systems, I have stressed this and I am also requesting to see a signed wet signature of an application and certification of accuracy. Jefferson Capital Systems ) ( XXXX # XXXX ), claims I owe them, I need proof. I have never signed a legal binding contract with Jefferson Capital Systems, this is not a credit transaction. Please help me get this rectified or I will have to hire attorney to help me. Thanks.
Product: Credit reporting

I spoke with the highest point of escalation with XXXX and they report that Equifax is blocking me from monitoring my credit. Additionally, every representative at Equifax in XXXX consumer division has told me that Equifax has deliberately and intentionally blocked me from credit monitoring services indefinitely. I need to protect my identity and credit accuracy with credit monitoring with all XXXX credit bureaus. I am being forced to pay {$15.00} - {$21.00} for a single Equifax report every time I need to check for inaccuracies versus a single monthly payment of {$2.00} - $ XXXX/monthly, a discount offered by XXXX XXXX XXXX XXXX for Equifax credit monitoring. I need this fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Conns XXXX XXXX is reporting negative inaccurate information on all three credit bureaus and this negative impact is keeping me from purchasing other credit options. 

All information is regarding account number XXXX Conns reported on XXXX I was late for the year XXXX for the months XXXX, XXXX & XXXX. 

Conns reported on XXXX I was late for the year XXXX for the months XXXX, XXXX, XXXX Conns reported to XXXX I was ate for the year XXXX for the months XXXX, XXXX, & XXXX and XXXX for the months XXXX, XXXX, XXXX This is inaccurate information and also I believe my account is mixed up with someone else account. This company by law is required to report accurate information and this is deemed not accurate. Please assist with getting all inaccurate late payments removed from my credit report based on of Conns reporting inaccurate information.
Product: Checking or savings account

WHEN I SPOKE TO THIS COMPANY XXXX THEY PROMISED ME A PRODUCT THAT THEY INFACT DID NOT KEEP THERE WORD. I PAID THEM XXXX ON XX/XX/13 BY DEBIT CARD AND AFTER PAYING THEM THEY DID NOT ANSWER MY CALLS NOR RETURN MY PHONE CALLS. I HAVE TRIED TO LET MY BANK KNOW THAT THIS COMPANY WAS A SCAM BUT THEY SAID THAT THERE WAS NOTHING THEY COULD DO. THIS COMPANY WAS A SCAM THEY FRAUDED ME. I NEED MY MONEY BACK. PLEASE HELP ME
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to incorrectly report a closed installment loan account originally with XXXX XXXX XXXX XXXX XXXX ( " XXXX XXXX XXXX '' ) with a payment status of " 60 days late. '' The loan was sold or transferred to another institution and its payment status is now " current. '' Simply put, a closed loan account can not be " 60 days late. '' I am fairly certain that this CLOSED XXXX XXXX XXXX account is being reported as " delinquent '' on my Experian credit report and significantly impacting my XXXX XXXX in highly negative fashion. I understand that Experian is reporting the XXXX XXXX XXXX loan account as " closed '' or " sold or transferred, '' but this should remove the CURRENT PAYMENT STATUS of " 60 days late, '' as it is FACTUALLY INCORRECT.
Product: Checking or savings account

I requested a timestamp of my transaction to see when I initiated a transfer in between my accounts to cover my insufficient funds. I was certain that I made the cut off time and requested to see if they can check. They stated that they are unable to see any times of when my transaction went through. I thenasked how they can prove that my transaction was before or after the cut off time if they can not tell me the exact time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander has reported inaccurate and inconsistent information on my credit report as well as failed to send me an account statement in proper time. 

This Creditor has sent different information to each of the major Credit bureaus about my account. 

They have reported my term as 0 months with XXXX with 2 bureaus but they've reported it as 48 months with XXXX and XXXX. 

The account open date is inaccurate across bureaus. 

The Account Balance is inconsistent it reports as {$11000.00} in some places ( XXXX XXXX XXXX ) and reports as {$11000.00} to experian. 

They are reporting to the account at different dates to each bureaus. 
They report the dates of my last statement differently to each bureaus. 

They're reporting me 30 days late in XXXX of 2021 however this inaccuracy of their reporting, isnt fair for me to know when to pay and when Im late
Product: Credit reporting, credit repair services, or other personal consumer reports

Every single time I try to get an Experian credit report at XXXX, I see a screen saying " a condition exists '' preventing me from getting the report. ( See attached. ) This happens in XXXX, XXXX and XXXX. This is ONLY an issue with Experian -- the site works perfectly for XXXX and XXXX. The " condition exists '' page offers no more information and no timetable to resolve the " condition. '' In addition, on XX/XX/2022, information from my account at XXXX XXXX Bank said that Experian ( and ONLY Experian ) claimed I made three new credit applications within six months. THIS IS FALSE. The other credit bureaus do not show this. On XX/XX/XXXX, I wrote to Experian pointing out the error about credit applications AND the constant " condition exists '' message that ONLY comes from Experian. I attached screenshots of the " condition exists '' message and the XXXX XXXX page. It has been five weeks and Experian has never responded or acknowledged receipt of my letter and attachments. Today, XX/XX/XXXX, I went to XXXX, and AGAIN when I tried to get an Experian report, I AGAIN got the " condition exists '' message. AGAIN this is not a problem with XXXX or XXXX -- only Experian. THIS IS NOT A COMPLAINT ABOUT XXXX XXXX ... .ONLY ABOUT EXPERIAN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Placed calls to XXXX, XXXX and Equifax in regards to inquiries that were iniated by me. Was told by represenatives from each company that they were factual. Explained to the represenative that I knew what my credit situation was and that I would not be trying to get more credit with the way my credit was.
Product: Checking or savings account

I was informed someone used my identity to open account and receive my ssa benefits. I didnt open account nor, did I authorize anyone to open account only my behalf.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I found some instances of late payments on an account for which is not accurately reported on all of my Consumer Reports. As you well know, Payment History is a very important component to achieving a Great score. On my XXXX credit my Payment History is 100 %. That's not the case with Equifax and XXXX accounts. I have reached out to the account ( XXXX ) and they complied and updated my account that I am in good standing and caught up on my payments. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of the payments and the inaccuracies of each credit bureau for not being updated on the removal of the late payments. If so, I demand a removal of the late payments on my credit so I can use my credit score to obtain a home I keep being declined for. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I mailed an Opt Out Notice and validation request to XXXX, Equifax and XXXX. 

I requested that all accounts be validated request listed below : Copy of my written consent to form a credit report on behalf of entity XXXX XXXX XXXX ; The amount they claim the Principal owes them ; A letter of explanation showing me how they have computed the amount ; Contract with both WET INK Signatures ; Copies of any document that prove I agree to pay the alleged amount ; The identity of the original creditor ; Confirmation that the account has not reached the statute of limitation ( XXXX ) period ; Evidence that they are a licensed debt collector ; Evidence of your license numbers and your registered agent ; Equifax, XXXX and XXXX ignored my request and continued to report after I opted out and revoked my permission. 

They were informed of the privacy act of 1974 as well as all other violations below. Then notified a 2nd time on XX/XX/XXXX after ignoring the 1st Demand. Also demand notice was sent on XX/XX/XXXX. ( see demand Notice ) The privacy act of 1974 15 USC 6802 15 USC 1681 Violation of 15 USC 1681a ( 2 ) ( a ) ( 1 ) Violation of 15 USC 1681 ( a ) ( 2 ) Violation of 15 USC 1681 ( a ) ( 4 ) Violation of 15 USC 1681 ( b ) ( c ) Violation of 15 USC 1681 ( b ) Violation of 15 USC 1692 ( f ) Violation of 15 USC 1681n Violation of 15 USC 1681s-2 ( a ) ( B ) ( i ) ( ii ) Violation of the Fair Credit Reporting Act ( F.C.R.A. ) Violation of the F.D.C.P.A 20 USC 1232G Defamation of character Equifax, Experian and Transunion are in violation of multiple US Codes, Privacy Act of 1974, Family educational and privacy rights and FCRA.

All accounts currently being reported are to be removed from my credit report Per 15 USC 6802. Except for XXXX card services account Equifax, XXXX and XXXX are in violation of many of my rights as a federally protected Consumer.
Product: Debt collection

Hello, I have attempted to reach out to the collection agency to provide me with services that I had ( medical ), I request ( disputed ) 3 times in total directly to the bureau for Please be advised I have requested validation { not verification }, both the creditor and bureau ( XXXX ) have provided me with anything, the creditor has not responded to my concern. 
PHOENIX FINANCIAL SERV did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above-named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

Account # XXXX AND Account # XXXX
Product: Money transfer, virtual currency, or money service

Back in XXXX XXXXXXXX was fraudulent stolen from my cash app account which my bank account was linked too. They took {$520.00} from my account and tried to take more, but I removed my bank card and deactivated my account. At the time of the incident I had no way of contacting anyone from cash app services. Which caused me loose my money due to fraudsters
Product: Mortgage

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX The Money Source Customer Care Department XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CT XXXX To whom it may concern : XX/XX/2021 my monthly mortgage payment of {$4800.00} for XX/XX/2021 was paid to XXXX XXXX XXXX through the bill payment service of my bank XXXX XXXX XXXX XXXX. 

XX/XX/2021 I was notified in writing that the servicing of my mortgage would change from XXXX XXXX XXXX to The Money Source effective XX/XX/2021. 

XX/XX/2021 my monthly mortgage payment of {$4800.00} for XX/XX/2021 was paid to The Money Source through the bill payment service of my bank XXXX XXXX XXXX XXXX. 

I contacted The Money Source on XX/XX/2021 to verify that they would pay my real estate taxes from my escrow account. I was told that the taxes would be paid. 

XX/XX/2021 I received a letter from The Money Source stating that my mortgage was one month past due, and threatening to impugn my credit rating. 

I contacted The Money Source again the week of XX/XX/2021 to try and resolve the claim that I was delinquent. I spoke to XXXX XXXX, she wouldnt give her full name to me, and I told her that I was not past due, and I had proof the bill was paid. I sent XXXX my bank statement that shows both the XXXX payment to XXXX and the XXXX payment to the Money Source being made. XXXX promised to get back to me, but as of this letters writing she has not contacted me. 

On XX/XX/2021 I received another letter from the Money Source, dated XX/XX/2021 again accusing me of being delinquent and stating that I had to dispute the validity of this debt against my property or it would be considered valid in 30 days. 

I officially notified both XXXX XXXX XXXX and The Money Source that I dispute the debt and again explaining that sequence of events, and that I had sent them proof of payment. I did this via registered mail, return receipt requested.
Product: Credit reporting or other personal consumer reports

Please be advised that this is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them?

Please provide me with the name of that individual, their business address, and telephone number. XXXX 's XXXX XXXX, XXXX XXXX, 2009, defines " Verify '' as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) " to confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and " Verification '' as, " Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. '' What this means is that your company must be willing and able to produce a document in your files that proves the accounts ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged accounts ) and all that has ever transpired for the alleged accounts ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a " Reinvestigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. 
Name of Account : Account XXXX : Provide Physical Proof of ownership
Product: Credit reporting or other personal consumer reports

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

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent. 

Resolution : I am not demanding verification nor validation of any of these accounts. These accounts listed SHALL be removed. 

I am demanding that the credit reporting agency do what is fair and equitable. I will move for a complaint for small claims for default judgment due to your violations. Per 15 U.S. Code 1681c-2, the credit reporting agency SHALL remove any account I identify as alleged identity theft, and the accounts that SHALL be removed.

LATE PAYMENT 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 FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes Act I believe the late payments for this are reporting inaccurately.
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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: Mortgage

TO WHOM MAYBE CONCERN I AM NOT YELLING I JUST CAN TYPE FASTER THIS WAY PENNYMAC LOAN SERVICER DOES NOT SEND ACCURATE MORTGAGE STATEMENTS THEY ALSO DO NOT ISSUE THEM ON THE CORRECT AND REGULAR BASIS THEY DO NOT SEND THEM AS PER THE FHA, HUD AND TRADE COMMISSION LAWS IF YOUR LAST DAY TO PAY YOUR MORTGAGE BEFORE YOU ARE CHARGED A LATE FEE WOULD BE ON THE XXXX YOUR NEXT STATEMENT SHOULD BE SENT AFTER THE XXXX  AND NOT A DAY SOONER. I BELIEVE THEY TOOK A LOAN OF MINE THAT WAS TO CLOSE IN XX/XX/2015 I HAVE DOCUMENTS THAT YOU CAN SEE THAT THE LOAN NUMBER ON MY HOME FLOOD INSURANCE GO FROM THE XXXX XXXX XXXX RIGHT BACK TO PENNYMAC ALSO MY HOME INSURANCE THE LOAN NUMBER WAS ON THAT AS WELL FOR A WHOLE YEAR SO I ASSUME THAT THEY STOLE MY MONEY ALSO MY PENNYMAC LOAN ALL TRANSACTIONS SHEET DOES NOT LOOK ACCURATE THERE IS NOT A CONSISTANT AMOUNT OF FUNDS GOING IN THE ESCROW ACCOUNT THEY HAVE COMPLETELY STOLEN FROM ME FOR YEARS ALSO MY LOAN IS A FHA LOAN AND THERE IS NO WAY THAT MY FHA LOAN HAS GONE FROM A XXXX  WHEN IN FACT IF I DID NOT GET THE LOAN TO XXXX   ALSO ON THE ALL TRANSACTION SHEET THE ERASED A LOT OF TRANSACTIONS THE IS SO MUCH HANKY PANKY GOING ON WITH MY HOME LOAN PENNYMAC HAS NO BUSINESS IN MORTGAGE SERVICING AT ALL.AND IT IS TOO COINCIDENTLY MY PAYMENTS ALMOST MATHCED WHAT THEY DO NOW MINUS THE CEDIT CARDS SO IM SURE THE STOLE MY MONEY.
Product: Credit reporting, credit repair services, or other personal consumer reports

on my equifax and XXXX report i have become aware that there exist inaccuracies on my report neither credit agency is following proper procedure according to 15 USC 1681 ( b ) the two companies reporting inaccurate information is XXXX XXXX AT XXXX XXXX XXXX XXXX MA XXXX ACCT NUMBER ENDING IN XXXX ALSO XXXX XXXX  LOCATED AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX ACCT ENDING IN XXXX I have never done business with these two companies and due to a data breach at equifax this is when they both showed up on my account. PLEASE REMOVE BOTH these inaccuracies are hindering me from getting gainful employment therefore cause me to be XXXX  and I WILL SUE ALL PARTIES INVOLVED DUE TO THEIR NEGLIGENCE
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have filed a previous complaint with XXXX, Transunion, and XXXX with no response. Can you please assist me in fixing the error. 

These are the facts : I sent letters to the credit bureaus multiple times inquiring about the removal of these unauthorized inquires Items were submitted on XXXX and various other dates. After pulling my report today I am seeing these items are still here. Can you please assist in getting the credit bureaus to respond and assist with taking care of these matters per the Fair credit reporting act.
Product: Vehicle loan or lease

In XXXX, I entered into a two year lease agreement with XXXX to lease a XXXX XXXX XXXX. My lease was schedule to expire on XX/XX/XXXX. I called XXXX in XXXX and asked to extend my lease term for a few months because my father was in the hospital and I was unable to locate a replacement vehicle. XXXX agreed to extend the term of my lease. During my conversation with the representative I was never told that during the renewal term XXXX would stop collecting my monthly lease payment from my auto payment account on file. For two years I paid my lease on time every month through the auto payment option on the XXXX website. I was never late and never missed a payment. On XX/XX/XXXX, I received a notification from the credit bureaus that XXXX reported my XXXX payment as late to the credit bureaus. I called XXXX right away and found out that I was reported because XXXX did not auto bill my payment. I told them that I was never informed about this policy and I did not receive any notification prior to the credit marking. XXXX declined to remove the credit marking. This is a false and deceptive practice by XXXX to potentially trick customers into paying late fees, or this is an oversight in their business practice policy. XXXX failed to provide the proper notices. This is the only negative credit marking on my credit history in the past four years and it has lowered by credit score by XXXX points, which resulted in a car loan and mortgage loan denial. XXXX also failed to report my on time payments to the credit bureaus on XX/XX/XXXX and XXXX, XXXX, XXXX, and XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Incorrect information such as former addresses, glasses credit reporting and failure to update have appeared and the company has not updated nor removed the incorrect information. On a separate instance someone else created an account in my name and no security measures or notification of such was done.