23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is a response to the company 's response to my first complaint XXXX. The company CACi seems unable or unwilling to send a document which might validate the account of which it is attempting to collect for " XXXX '' as you call it. I have no idea what this bill is about, what it involves, the circumstances of nor of an itemized statement for the original bill from XXXX. Please send an itemized or otherwise recognizable statement from the original creditor " XXXX '' of which I might compare to one that I might have.
Product: Debt collection

" Re-aging '' a debt involves illegally resetting the date of first delinquency to make it appear as a new debt, thus extending its time on a credit report. This is prohibited under the FCRA, which mandates that negative information can only be reported for a certain period ( typically seven years from the date of first delinquency ). Right to Privacy and Confidentiality ( 15 U.S.C. 1681 Section 602 ( a ) ) : Under this section, I am entitled to privacy and confidentiality regarding my personal financial information. The actions of XXXX XXXX XXXX XXXX in reporting or handling my account may have violated these rights. Unauthorized Disclosure ( 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) ) : This provision requires that a consumer reporting agency can not furnish a consumer report without my written instructions. If XXXX XXXX XXXX XXXX provided information about my account without my explicit consent, this would constitute a violation of my rights under the FCRA. Reporting of Obsolete Information ( 15 U.S.C. 1681c ( a ) ( 5 ) ) : The FCRA prohibits consumer reporting agencies from including adverse information that is more than seven years old ( except for criminal convictions ). If any outdated or obsolete information has been reported, it should be removed immediately. Duty to Provide Accurate Information ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ) : XXXX XXXX XXXX XXXX is prohibited from furnishing information to consumer reporting agencies that they know or reasonably should know is inaccurate. Any inaccuracies in the reported information must be corrected promptly.
Product: Credit reporting or other personal consumer reports

After months of exhausting all avenues in an attempt to have Transunion remove inaccurate information from my credit report, the company has continuously disregarded my efforts, responding to each of my disputes with automated replies. Each dispute contained clear evidence of the inaccuracies, including proof that, for two accounts, the creditor failed to provide a copy of my signed agreement within the required 30-day period following my certified mail request. These creditors did not meet the legal deadline, and as a result, these accounts are being reported illegally on my credit profile. 

In light of the ongoing damage Transunion has caused by continuing to report inaccurate and illegal accounts on my credit profile, my lawyer and I have decided to proceed with a lawsuit against Transunion. 

Transunion has 5 days from the receipt of my lawyer 's certified mail to delete all inaccurate and illegal information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is full faith and credit from Secretary of the United States Department of state for name XXXX, XXXX XXXX XXXX XXXX. Please update and remind be all derogatory accounts from credit report. 

United States of America constitution 1787 Article I Section 10 Clause 1 No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report earlier this year via ( XXXX and XXXX ). After reviewing it I realized the inaccuracies being reported under my personal information. After becoming aware of the inaccuracies, I sent a letter to XXXX, XXXX, and TransUnion to delete inaccurate names, numbers, and addresses with proof of my correct information ( My Driver 's License [ only correct name and address ] and Social Security Card ) that should be reported via certified mail. I sent the letter XX/XX/2022 and XXXX, TransUnion, XXXX they received the letter by or before XX/XX/2022. They received my letter and sent me my credit report on XX/XX/2022 ( Just XXXX ). However Upon further investigation little to nothing was changed. Last month, XX/XX/2022, 7 inaccurate names were being reported and as of XX/XX/2022 only one inaccurate name was deleted leaving 6 inaccurate names while not even reporting my correct name. 

The same thing was done with addresses. XX/XX/2022, 5 inaccurate addresses were being reported. As of XX/XX/2022, 3 of the addresses were deleted however they are still continuing to report 2 incorrect addresses. 

As Well as my DOB just being reflected as a year and not a month and date. ( just XXXX ) In Conjunction with that I have falsely placed accounts with Us Dept of Education and Bank Accounts that are not mine each Bureau choose to not delete these incorrect names and addresses and accounts because they are associated with debts that I have already disputed are not mine.
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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. I viewed my Experian credit report on XX/XX/year> and noticed there were things that are not accurate and incomplete. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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. 15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  2017 , Navient formally   XXXX   XXXX   repo rted incorrect information to all  XXXX  credit bureaus causing and major drops in my scores. Trying to correct an issue with this company is impossible. The school that these loans were used filed bankruptcy, should n't there be something I can do?
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I noticed an inaccuracy on my credit report. I am not liable for The XXXX XXXX XXXX XXXX. This account is not mine. I did not signed into a contract with them. I have a right to privacy. Any credit reporting agency can not furnished an account without my written permission under the FCRA Laws.
Product: Checking or savings account

I signed up to use XXXX  and pnc will not allow me to add my card. Pnc will not work with XXXX. This is very important as my kids use XXXX  and I need to be able to send them money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unverified Accounts : I have recently received a copy of my credit report from all 3 bureaus and found a number of inaccuracies pertaining to the accounts listed below. I have contacted said bureaus to dispute these reports requesting, specifically the SIGNED contracts that they have on file with these companies. Not ONE company returned any signed contracts as requested because I DO NOT HAVE CONTRACTS with any of the companies. I have not received goods or services from ANY of the listed companies and yet they continue to report erroneous accounts to the credit bureaus simply stating that they have verified the account without any signed contract.
FCRA Under Section 611 ( a ) ( 5 ) ( A ) ( 1 ) States " ALL 3 credit reporting agencies must have ORGINAL signed paperwork in their physical possession before they can report it to you credit file. '' These entries on my credit report are in direction violation of this section as well as FCRA 15 U.S.C Section 1681i : states " All unverified accounts must be promptly deleted from a consumers credit report ''. Yet these accounts still remain without the bureaus requiring the signed contracts as requested.
It was requested that these accounts be deleted if said signed documents were not produced. Original request was last sent to all three credit bureaus on XXXX XXXX, 2017. The creditors listed on my reports are as follows : XXXX XXXX Acct # XXXX Bal : {$380.00} XXXX XXXX Acct # XXXX Bal : {$1700.00} Navy Federal Credit Union No Account # listed Bal : {$27000.00} XXXX NO Account number listed Bal {$0.00} XXXX XXXX Account # XXXX Bal {$1400.00}
Product: Mortgage

My XXXX XXXX XXXX Mortgage is being transfered or sold to new servicer, Nationstar Mortgage. 
The notice of Service Transfer was dated ( created ) XXXX XXXX, and post mailed to me. I received physical letter on XXXX/XXXX/XX/XX/2015. 

The effective date of transfer is XXXX XXXX servicers must notify you about the transfer of your servicing rights *no less than 15 days* before the effective date of transfer. They did not abide to this rule.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed information with Equifax on 3 separate occasions and have not been given any proof of verified information other than a message saying " information has been verified as accurate ''. It is my right that under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. The accounts that have been disputed are as follows : 1 ) XXXX XXXX act # XXXX 2 ) XXXX XXXX act # XXXX XXXX 3 ) XXXX XXXX XXXX # XXXX XXXX 4 ) XXXX XXXX act # XXXX XXXX 5 ) XXXX XXXX XXXX # XXXX XXXX Initial formal dispute was sent via certified mail on XX/XX/XXXX ( I have enclosed a copy of the receipt from USPS which verifies the tracking number # XXXX. Also enclosed is a copy of the 2nd dispute letter that was sent ) 2nd formal dispute was sent via certified mail on XX/XX/XXXX ( I have enclosed a copy of the receipt from USPS which verifies the tracking number # XXXX. Also enclosed is a copy of the 2nd dispute letter that was sent ) 3rd formal dispute was sent via certified mail on XX/XX/XXXX ( I have enclosed a copy of the receipt from USPS which verifies the tracking number # XXXX. Also enclosed is a copy of the 3rd dispute letter that was sent ) I have NOT been provided a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature  on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

Equifax has done nothing more than " update '' information that is not/has not been proven to be mine or valid, or " verified '' that the information is correct. I have also enclosed a letter from 1 of the alleged creditors showing that they did not even open an investigation on 2 of the 3 disputes. Therefore, there is NO POSSIBLE WAY that Equifax appropriately " updated '' or " verified '' the information they are reporting on my credit report. 
Several of the aforementioned accounts have already been removed from the other credit reporting bureaus for an inability to verify the validity and provide the legally required documentation for support as required by law. Further supporting my claims that XXXX is falsifying to me that the information has been " verified '' as it is legally required by law that the creditor agency share the exact same information with all 3 credit reporting agencies.
Product: Debt collection

My wife has been receiving calls from National Credit Adjusters ( account # XXXX ) acting on behalf of XXXX XXXX on an alleged debt that I owe. The issue is that I have NEVER taken out a loan with them. They advised that there are no stores in the XXXX XXXX area where I reside, so this payday loan would have been done online which I can promise I did not do. I have been given the run around and feel that I have not been given enough information to dispute this debt. I also have not received ANYTHING in the mail from these people. When I asked National Credit Adjusters for the address of XXXX XXXX, I was told the first time that they could not locate it and the second time that their system was frozen. I was only able to obtain an account number ending in XXXX They also stated that the individual that obtained this loan put down their place of employment as XXXX XXXX, which I worked there, but not in XX/XX/XXXX when this loan was allegedly obtained as I have been employed with XXXX for 7 years. I was finally able to find a phone number for XXXX XXXX and address ( XXXX XXXX XXXX XXXX, OH XXXX, ph # XXXX ). I followed the prompts, option 1, option 1 again, then option 2 for past due status and then it hangs up each time. I had to find another way to get thru by constantly pressing zero, in which I waited on hold for a good 25 minutes to only get some new person that advised me that they were unable to release their corporate address, just the billing address to send payments per her supervisor. She then advised that the account was taken over by XXXX XXXX XXXX. I called them and they told me that the account was recalled back by XXXX XXXX XX/XX/XXXX and they misdirect calls to them all the time. Me and my wife are in the process of building a new home, and I WILL NOT keep dealing with these people, and I definitely wo n't be calling them back a 3rd time just to wait on hold for another 25-30 minutes to get someone on the line just to give me the run around again. I need some help here please!!! This is not my debt and I have not been given the proper information to dispute it. In my opinion, they have the burden of proof, not me. My social is XXXX
Product: Checking or savings account

I believe I had a Wells Fargo account from around XXXX until XXXX or XXXX  During this time I earned fairly low wages and struggled financially. Wells Fargo had a practice to maximize overdraft fees on customers and they admitted it to me when I called to address. Many times over the timespan I was with them, I would be charged multiple overdraft fees when it should have been one. They would take transactions, no matter the order they were made and make them descend from greatest to smallest number. So if you really overdraft on like a car payment, they would have 3-4 smaller transactions behind it, even if the car payment was last. I told an employee on the phone what a fraud and scam that was and he told me they did this as a service to the customer, because dont you want to make sure your rent is covered? I feel this was so shady, unethical and should be illegal. I have been waiting to hear from any class action because I heard of some but I have received nothing. Please consider this. Thanks you, XXXX
Product: Mortgage

About two months ago SWBC sent me correspondence saying I needed to pay an escrow shortage to my account in the amount of c. {$750.00} if I didn't want my monthly payment to increase, and that I could log into my account and pay it online. I logged in and filled out the fields to pay it in full. However, SWBCs website interface instead charged me a full second mortgage + the monthly overage I had been paying PLUS the escrow overage. I have called four times now to get them to apply the overage I signed up for for the escrow and, going forward, to stop adding overage payments to my monthly accounts -- to return them to the minimum/basic payments. I have called and been on hold for over an hour multiple times and explained this issue to four separate customer service reps who all apologize and say they have fixed the issue. All are incompetent. I just logged on to my account and see it is STILL on track to be charging me the overage ( {$2000.00} ) in XXXX instead of the base rate that I have repeatedly requested ( {$1700.00} ) and I am unable to adjust this online. I also can not see where I was credited the additional escrow I paid in XXXX. The system is completely broken and there is no recourse to correct it. I have wasted hours of my time trying to fix this and nothing has worked. SWBC is negligent, incompetent, grossly inept and criminal in this level of willful dysfunction.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to XXXX was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neitherremoved nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX 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: Debt collection

I have received repeated LOUD automated messages from XXXX for a person I do not know ( XXXX XXXX ). I have had my cell # for over XXXX years. My name is not XXXX XXXX! I contacted the rude male from the XXXX # about their mistake and he hung up on me. I tried to call the number in the message too ( XXXX ) but I get an error saying invalid # or code. How can I get them to stop harassing me? I do n't owe any outstanding debts. They have the wrong number!
Product: Credit reporting, credit repair services, or other personal consumer reports

Please verify if this is 100 percent accurate coz I'm seeing inconsistent information across other bureaus such as date last activity XXXX XXXX XXXX Account Number : XXXX Please conduct a reasonable inve $ tigation, and DELETE if inaccurate, incomplete or unverified.
Product: Debt collection

Did not receive notification of debt. I was unaware of balance being forward to me she to insurance being applied. This item is affecting my credit.
Product: Payday loan, title loan, or personal loan

Hi I received an email from ACE Cash financial Group inc saying that if I didnt pay a certain amount they would take me to court. But I never applied for a loan from them. They have all of my information and say that I owe {$1000.00} and that if I dont work with them I would be taken To court. They first emailed me on XX/XX/2020 and have sent more emails saying how much to pay for them to keep me out of court. Again I am saying I never applied to get a loan with them. I did end up paying {$200.00} cuz I was scared but then realized I didnt recognize the company so anything you can do to help I would appreciate it.
Product: Credit reporting or other personal consumer reports

I AM STRUGGLING TO GET EVERYTHING BACK IN ORDER AFTER DEALING WITH XXXX XXXX UNDER 605C. PLEASE HELP ME RESTORE MY ACCOUNTS AND ALL FRAUDULENT ACTIVITY ON MY CREDIT REPORTS. ALL SUPPORTING DOCUMENTS HAVE BEEN UPLOADED TO FURTHER SUPPORT MY CLAIM.
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 be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX : {$56.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$0.00}
Product: Debt collection

I am disputing the debt in its entirety from Synerprise Consulting SE date opened XX/XX/2020 # XXXX {$720.00}. I contest I do not owe this debt and I first saw it on my credit report and contacted them to initiate dispute. I never received any communication about the debt and no right to dispute which is a violation. I request proof they are compliant with the fair debt collection practices act, fdcpa 15 USC 1681S-27a. I also request validation of contract to pay original creditor as well as contract of service. The current address associated with this account is erroneous and appears to be an address I have never lived. I can't even get the erroneous address off my credit file due to them filing a collection which I know is against my rights. How did they obtain the right to adversely affect my credit profile? I have no outstanding medical debts as I have both primary and secondary insurance and had I received a notice regarding this debt I would have disputed accordingly and directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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  have all violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.