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

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions.Inaccurate Addresses : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXXXXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX ; Accounts : XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX Account Number XXXX, XXXXXXXX XXXX Account Number XXXXXXXX XXXX  XXXX Account Number XXXX.
Product: Credit reporting or other personal consumer reports

JPMCB CARD Inquired on XX/XX/XXXX On record until XX/XX/XXXX. 

Did not try to open this card. Want to report fraud.
Product: Vehicle loan or lease

SANTANDER IS IN VIOLATION OF THE COMPTROLLER 'S INSTALLMENT LOAN POLICY : On XX/XX/XXXX, Santander Auto CHARGED OFF my auto loan for the XXXX XXXX XXXX that I had with them. 

In XX/XX/XXXX, after months of waiting for my insurance to settle 2 accident claims the vehicle was considered totaled and payment from the insurance company and gap company sent the payments for their portion of the vehicle loan. 

In XXXX, Santander REBOOKED this SAME previously CHARGED OFF loan, began applying interest, fees, and negative reporting to my credit report again. 

IN ACCORDANCE WITH GAAP STANDARDS AND THE FDIC : Re-Booking Charged-Off Loans " When available information confirms that a specific loan or lease, or a portion thereof, is uncollectible, a bank should promptly charge this amount off against the allowance for loan and lease losses. When making a full or partial direct write-down of a loan or lease for the amount that is uncollectible, the bank establishes a new cost basis for the asset. As the bank attempts to recover the loan or lease in a period subsequent to the recording of the direct write-down, the bank may determine that the borrower 's condition has significantly improved or it may obtain additional collateral from the borrower. In some cases when this has occurred, a bank has attempted to reverse the previous write-down and " re-book '' the charged-off loan or lease. Re-booking a charged-off loan is not an acceptable practice under generally accepted accounting principles and, therefore, is not acceptable for Call Report purposes. Consequently, once a new cost basis has been established for a loan or lease through a direct write-down, this cost basis must not be " written up '' at a later date. '' IN ADDITION TO THIS DETAIL : " Pursuant to the Uniform Retail Classification and Account Management Policy guidelines, banks are generally required to charge off certain consumer debt when the debt is 180 days past due. '' FINALLY, AS STATED IN THE COMPTROLLER 'S CREDIT RISK HANDBOOK, ON PAGE XXXX : " Under GAAP, when a bank charges off a loan or lease in part or full, the bank establishes a new cost basis. Once the loans cost basis has been decreased, it can not be increased later. '' Santander charged off my account on XX/XX/XXXX, therefore, they were not supposed to re-open or " re-book '' the loan 4 months later. 

I have never paid on my Santander Loan, nor did Santander ever receive any indication that my condition improved period, let alone significantly improved. In fact, it had diminished, as I was no longer employed. 

SANTANDER IS NOT COMPLYING with the federal standards.
Product: Credit reporting or other personal consumer reports

I never applied for these bank accounts or loans. These accounts were applied to fraudulently and I didnt give anyone permission to use my information. None of these accounts are mine. Inquirer : 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 and this goes for all the accounts under them. Inquirer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent request to solve problem with accounts which are not belong to me and never were opened by me. For a long time ago I have already find out this problem with company listed in identity theft. All of these accounts with {$0.00} balance and paid in full, but with lateness and they are not belong to me. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I dont recognize these debts. It's not my accounts. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. 
Due to possible inaccuracies in these CRA reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline. 

Please know that you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FCBA, FCRA, and other federal statutes.
Product: Debt collection

Starting in XXXX I started a program through the XXXX XXXX XXXX. After dealing with a few different problems with them & getting consumer finance involved before, the program was completed ( see attached documents ). 

Now I am receiving documents from XXXX XXXX XXXX on behalf of XXXX XXXX XXXX stating that my account owing XXXX was not paid off. This was one of the debts that was consolidated within the XXXX XXXX XXXX XXXX. This amount due was paid in full in XXXX. Documents attached prove this to be so. 

I have reached out to both companies. XXXX XXXX XXXX says that they can not help me due to the completion of the program, and MCM says that they received my proof of payment but their records are correct and show that I still owe this amount. 

Please review attached Documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXXXXXX XXXX XXXX Balance : - XXXX XXXX  XXXX Balance : - XXXXXXXX XXXX XXXXXXXX Balance : {$63000.00} XXXX XXXX XXXX Balance : {$370000.00} ; XXXXXXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX 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 supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 supposed 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. 

Negligence of this law within the FCRA activates your company to be liable for damages sited in 15 USC 1681n and 15 USC 1681o. 

Please update to Paid As Agreed XXXX XXXX XXXX XXXX from my credit report because of multiple violations of the Fair Credit Reporting Act!
Product: Credit reporting, credit repair services, or other personal consumer reports

they've attached a fraud account to my credit report I didn't notice until XXXX when account went bad ived tried several attempts to have remove to no avail there reporting as if there XXXX XXXX XXXX and its a third party collector law firm the account has been closed and written off there reporting month to month as being open and charging interest and fees
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX  Account # XXXX, XXXX XXXX Account # XXXX has 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.
Product: Mortgage

The monthly payment due is miscalculated to be {$3000.00}. 
The correct monthly payment due is {$2900.00}. 
Escrow account has been closed. Escrow Closing Notice attached. 
The correct minimum monthly payment is arrived by adding the line items for principal ( {$770.00} ) and interest ( {$2100.00} ) from the latest monthly statement received. XX/XX/20 statement attached.

Tried to resolve the wrong monthly payment with loanDepot on 2 instances. Message acknowledgement on XX/XX/2020 ( attached ) and Live Chat on XX/XX/2020 ( attached ).

Still no resolution. See attached XX/XX/2020 Payment Screen.
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account has been paid but Transunion, XXXX, and XXXX have been reporting as follows : XXXX ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS LATE. XXXX XXXX XXXX ACCOUNT NUMBER XXXX BALANCE {$960.00} ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS COLLECTION. 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 an 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 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

In accordance with the Fair Credit Reporting Act XXXX  accounts ; XXXX XXXX XXXX XXXX  ( # XXXX ) amount : {$620.00}, XXXX XXXX XXXX XXXX ( # XXXX ) amount : {$870.00}, US DEPT OF EDXXXX XXXX XXXX XXXX ) amount : {$4700.00}, US DEPT OF EDXXXX XXXX XXXX XXXX XXXX amount XXXX {$2300.00}, US DEPT OF EDXXXX ( # XXXX ) amount : {$3700.00} XXXX XXXX XXXX XXXX  ( # XXXX ) amount : {$570.00}, XXXX XXXX XXXX  ( # XXXX ) amount : {$140.00} 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 an account without my written instructions.
Product: Money transfer, virtual currency, or money service

I wired money to XXXX. Through western union at XXXX XXXX XXXX branch. Date : X/XX/2017 XXXX $ Receiver never got the money after three days of phone calls and long hours on the phone. Very tiring process I finally demanded a refund for my money. They are demanding me to provide the ID of the receiver. How is that possible? The receiver is on overseas and why I need to provide an ID. I told them I will provide my ID as I am the sender and the money belongs to me. This smells scam in order to steal my money. 16 days passed no refund yet
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report there are XXXX different names reflecting on my credit report that arent mine or aliases of mine.
Product: Debt collection

I received a call from someone reporting to be from XXXX XXXX attempting to issue me a summons to appear to court for a debt that was owed to XXXX XXXX. They said that they sent me a notice 45 days ago and if I did not pay today that they would sue me. I gave them my email address so I could see the paperwork that they sent to my address. I then called XXXX XXXX ( previous XXXX ) to confirm the debt. Representative from XXXX XXXX said that they are not reporting and debts from me.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I sent in letters to the credit bureaus informing them about the inaccurate negative items on my credit profile. I asked them to send me proof of the inaccuracies and they have yet to do it. It's been well over 30 days and today makes day 45. 

For the XXXX account with the account # XXXX, It's reporting positive on Equifax but negative on XXXX. The payment status is unknown on XXXX but is listed as current on Equifax. This is clearly false reporting and according to the FCRA anything that's being reported incorrectly must be deleted at once. Next we have the XXXX credit card, account # XXXX, the XXXX credit card, account # XXXX, and the XXXX XXXX account, account # XXXX reporting late payments. I was never late on any of these accounts. 

I asked the credit bureaus to please supply documentation showing proof of a transaction showing I was ever late to support their inaccurate reporting on my accounts and they could not supply this, and to remove the alleged late payments from my report per USC 15 1666B, a creditor may not treat a payment on a credit card as an open ended consumer credit plan! I have yet to get a response from them. 

Finally, for the XXXX account, account # XXXX, the late payment status is blank on XXXX but is stating 90 days late ( 2 ) on Equifax displaying further evidence of false inaccurate reporting. These inaccuracies on my credit report has caused me a tremendous amount of stress and if these items aren't removed at once I will be forced to file for litigation. I was a victim of the equifax data breach and other recent breaches and I know my information has been compromised. Thanks for your help with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an American Express Card. The hologram is not on the card and AMEX is making it appear as though I never closed the accounts. Its a scam. The card was stolen and my cell cloned. Its a network. If I buy something. They sell me a fake and they take the money. The same with XXXX. Someone hacked my XXXX. It is showing that they are using XXXX and streaming.Yet I am charged for the service. 
They cloned my car key. The open the door before I get to the car. They joy ride and steal out of my car. 
In addition, my cellular is constantly compromised/cloned by some cowards and any clothes that I purchase, are sent from some cheap front like XXXX and my money stolen. I have reached out to the police who think I am lying. I have proof. I purchased a pair of XXXX XXXX sandals years ago. Someone continuously purchased/stalked the same items as me, they purchased fake items and would replace my items with theirs. They stole my car and chopped it then replaced it with XXXX parts. A colleague indirectly told me what was done. I am being victimized and targeted with no help from the police. The ( XXXX  ) apartment complex allows people in my apartment, car, and intentionally leaves doors open. When I leave, someone enters my apt . They have stolen money, jewelry, and they cut my designer clothing.
Product: Debt collection

Commonwealth Financial Systems, Inc received a letter called them and set-up payment arrangements starting in XXXX XXXX of {$50.00} a month then in XXXX XXXX I started paying them the {$50.00} from my bank account and {$130.00} from a card. I have agreement with them and Commonwealth is still saying I owe them money and I have the bank drafts and card statements to proof that they was taking the money and they should be paid in full actually they was overpaid according to the agreement we have. This is still on my credit report and I have emailed them the bank drafts and card statements to proof and they still refuse to fix it. The last time I talked to them on the phone a supervisor got nasty with and tried to tell me that I had made my payments when I had sent them the proof.
Product: Credit reporting or other personal consumer reports

recently i review a copy of my credit report and noticed a fraudulent account. please remove this fraudulent account it is affecting my ability to obtain credit.
Product: Debt collection

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I decided to look at my credit reports from the 3 major credit bureaus and found that this CONGRESSCOLL ( Original Creditor : XXXX XXXX XXXX ) with the account number XXXX was reporting to be negative on XXXX XXXX I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a lease with XXXX XXXX for a XXXX XXXX XXXX XXXX. I turned that lease in a few months early to XXXX XXXX XXXX where the lease originated in favor of a new XXXX XXXX XXXX  Truck. My remaining balance was rolled over into the new XXXX purchase. I have been disputing this claim of balance owed for 3 years. They have provided no proof or validation of debt. They refuse to work in conjunction with the dealership where lease was purchased and the dealership claims no responsibility that their paper work is correct showing i owe nothing and remaining balance was rolled over to new purchase. I am extremely frustrated as this affects my credit and my ability to purchase a vehicle. The first numbers on the account are XXXX and the wrongly reported balance is XXXX. They have never filed for collection on this account nor provided any proof to there claim other than what their computer says. They've been extremely combative and unwilling to fix or investigate the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Incorrect Names : XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Employer : XXXX XXXX  Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX
Product: Credit reporting

I contacted Equifax in XXXX of 2016 to request that the " any open disputes and all corresponding dispute remarks be removed from my credit file as I am no longer disputing any accounts on my report ''. I was told over the phone that all dispute remarks and disputes were removed as I waited on the phone. 

I then called today XXXX and spoke with Equifax again as I have been told by my banker that the disputes and dispute remarks are still showing up on my credit report.. I was told this morning by Equifax that their computers were down and to call back. 

I opened the disputes. I want all disputes closed and all dispute remarks removed from my credit file. 

This is hindering my ability to refinance my home! 

Close All Open Disputes and remove all Dispute Remarks from all accounts in my credit file and send me an updated credit report showing such changes were made.