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

I would like to dispute off the following inaccurate accounts on my credit report listed below. 

EQUIFAX : XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX Account Number : XXXX {$2700.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$7000.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$5100.00} XX/XX/XXXX XXXX : XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$2700.00} XX/XX/XXXX XXXXXXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$7000.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$5100.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXXXXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX : XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX Account Number : XXXX {$2700.00} XX/XX/XXXX XXXXXXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$7000.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$5100.00} XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted dispute letters to XXXX, XXXX XXXX Transunion for XXXX XXXX XXXX XXXX I did not open. Submitted XXXX round letters XX/XX/2022 and XX/XX/202XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX erroneously reported that I was 30 days late in XXXX. I called XXXX  and was told that I was not 30 days late and that they were unsure why its being reported that way. They advised me to dispute it. I submitted a dispute with EXPERIAN and submitted my credit statements showing that is incorrect and I just received a determination adjusting the 30 day late from XXXX to XXXX today is XX/XX/XXXX, so that is impossible!!! In fact, my credit statement shows that my due date is XXXX and that the minimum payment has ALREADY BEEN MADE. I need this corrected as soon as possible. 

And while Im at it this company had started charging a yearly fee and monthly fees this year and I never agreed to it. Those were not a part of the agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander XXXX has updated a paid charge off as having balance due of {$1100.00}. I was part of the settlement in their court case that required then to remove the negative account from my reports. However, they continue the same predatory business. The car was sold and the title had been released to me in 2018 by Santander. If I owed them any money, why would they have sent the title. They updated the balance to {$0.00}. When I requested that the account be removed from my credit reports as directed by the lawsuit. They update it again as a charge off with {$1100.00} due. 

They do not contact me or send any correspondence to show that a balance was due. They only update the credit report out of spite when you request it be updated as required by the settlement. 

Santander is an extremely predatory lender. Their lack of documentation and communication with their consumers is evident by their continued disregard for the courts requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries done on the same day are showing up multiple times as hard inquiries and affecting my credit. 

There are XXXX  on XX/XX/2021 as they looked at car financing options. 
There are XXXX on XX/XX/2021 as they looked at car financing options. 

I was told that these should only be XXXX hard inquiry as they are 45 days apart.
Product: Mortgage

In XXXX of XXXX, I filed a request for Mortgage Assistance with Carrington Mortgage Services , LLC . Due to a failure in my marriage, impending divorce proceedings, split custody arrangements, and a large flux in the contracting market as I am an independent XXXX, I fell behind on my mortgage payments. Upon filing this application, I was two months behind and sent in all required documentation to request relief in the form of moving overdue payments to the end of the loan without penalty and without causing disruption to my credit report. I had not missed any payments prior to this and dating as far back as the original loan of XXXX. I utilized my accountant XXXX as my proxy ), who also works for the XXXX XXXX XXXX, to ensure all required documents and forms were submitted. Over the last 12 months, Carrington has continuously asked for submission of the same information, either expressing that they never received it or that what I had filed had " expired '', causing unnecessary delay in the relief process. Carrington has, more than twelve times, requested the same information that was submitted via my proxy over and over again, each time with facsimile confirmations that the information was received on their end. Carrington has gone as far as threatening foreclosure and as of XXXX XX/XX/XXXX, rejected my entire application and are saying that I have to restart the entire process all over again. Due to the ongoing circumstances that evolved over the last year, I am now 11 months behind, acting on the advice of Carrington that everything would be taken care of and now am at risk of losing my home, which is the source of my income as I am an independent XXXX and the home for my daughter and I, who I am the sole financial provider for. I am requesting that Carrington honor my original application, move all overdue payments to the end of my loan without penalties and fees, and remove any negative marks or remarks on my credit report.
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. 

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 and XXXXXXXX XXXX XXXX : XXXX has 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ) is a federal law that governs how a credit reporting agency ( CRA ) handles your credit information. It's designed to protect the integrity and privacy of your credit information. The FCRA requires credit reporting agenciesand the entities that report your credit information to them and othersto ensure that your information is fair and accurate, and kept private. The FCRA protects your right to access and correct any inaccuracies in your credit report and provides you with remedies if a credit reporting agency or information furnisher violates your rights. In accordance with the Fair Credit Reporting act.

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.

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 - XXXX  reported that I had XXXX late payments on the following months : XXXX and XXXX. Stating that I made a payment in XXXX on time. Also, stated that I made payments in XXXX and the other companies don't show that. 

Account name XXXX XXXX XXXX Account number XXXX -Equifax XXXX that I had XXXX late payments on the following months : XXXX and XXXX. Stating that I made a payment in XXXX on time. 

Account name XXXX Account number XXXX -XXXX  XXXX that I had XXXX late payments on the following months : XXXX and XXXX. Stating that I made a payment in XXXX on time. 

This information is inaccurate and the self account is stated closed on my credit. I will like for this account to be deleted off my records for being inaccurate and closed. XXXX, Equifax, and XXXX has violated my rights by reporting inaccurate information. Also, these agencies reported self account name under XXXX different types of account names.
Product: Credit reporting or other personal consumer reports

Transunion is reporting a collection that does not belong to me. They placed a collection on my credit report from a company called XXXX funding. This collection has never been validated with me. 

Collections showing on my report Collections Account XXXX FUNDING Balance {$820.00} Account # XXXX Original Creditor Unknown
Product: Credit reporting 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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected 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
Product: Credit reporting, credit repair services, or other personal consumer reports

From the XX/XX/XXXX until XX/XX/XXXX, I've been trying to clear up the following accounts in my name that I did not give authorization to create accounts in my name or use my personal information. I provided the information of who the unauthorized person was and still the credit XXXX credit bureau and even told them I could provide a police report if need by. However, they have not remove any of the items off my credit report and it severely damaging my credit or my ability to finance anything. 
this are the company I'm having issues with : XXXX ). XXXX- {$250.00} XXXX ). XXXX {$1600.00} XXXX ) .XXXX XXXXXXXX {$6300.00}
Product: Debt collection

I have never received any calls or mail from this company before over any debt. Today Im served with court papers for a medical bill. It has mine and my spouse name on it. We are confused and want this resolved so that we do not have to go to court.
Product: Debt collection

On XX/XX/2019 I received a letter and phone calls from AMERICOLLECT stating that I owed them payment from a Hospital Statement. I contacted AMERICOLLECT Specifically Asking for a SIGNED CONTRACT BETWEEN MYSELF AND AMERICOLLECT STATING THAT I WAS OBLIGATED TO DO BUSINESS WITH THEM. They in return created a False Contract with AMERICOLLECTS NAME AND MY NAME ON WHICH IS NOT A ORIGINAL CONTRACT. I have contacted them several times about this and they have not fixed the issue. They have reported it on my Credit Report and I also disputed it there as well. I know that these companies buy debt for PENNIES ON THE DOLLAR AND COME AFTER US FOR THE REMAINING BALANCE. The Hospital wrote the Debt off and again I Never Signed a Legal Binding Contract with AMERICOLLECT INC. IF THERE IS NO WET INK SIGNATURE WITH MY NAME ON A CONTRACT I HAVE NO OBLIGATION TO THIS COMPANY. I also Informed the representative that I was tapping the call as well and informed her that I knew that there was no signed contract between myself and AMERICOLLECT INC. Please contact me at your convenience about this matter and I Appreciate your time.
Product: Debt collection

In XXXX - XX/XX/XXXX I contacted the Collection Agency requesting a possible Hardship for my closed accounts. I was advised to submit proof of my income and debt. I faxed them the information on all four of my past due bills and waited. I explained to them that in XXXX of XXXX, I suffered a XXXX XXXX XXXX and due to my medical condition and the recovery process that I wasn't and I am still not able to make any payments and if they would be willing to settle for a lot less than my bills. I was told the process would be about 60-90 days.

This week I started receiving calls from another agency. 
The Original Agency Resurgent Capital Services Four different accounts 1. {$2800.00} ( XXXX XXXXXXXX ) This account I do not recognize and they stated it was from early XXXX XXXX was a victim of identity theft and I had requested proof of an application. Which I never received, due to them stating I acknowledged the debt. 
2. {$1000.00} XXXXXXXX XXXX 3. Looking for info 4. Looking for info
Product: Mortgage

Wells Fargo I inquired about my daughter applying for a mortgage assumption on a loan in my name. The approximate loan to value is 65 %, loan balance is XXXX I have paid on time since loan began three years ago. As part of covid I asked for payment deferrals. I deferred about {$5000.00} which got added to the end of my loan, my daughter was unemployed and I am XXXX 

I was told because there is a lump sum added to my loan {$5000.00} that this made the loan ineligible for mortgage assumption. So the federal government passes laws to assist people during covid and you follow the rules and they are now held against you, you can't make this up. I worked for banks and am on the Board of a bank so I understand the process. No wonder Wells Fargo has such a dismal image they keep working on it.
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. 
XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, OK XXXX XXXX XXXX : # XXXXXXXX XXXX XXXXXXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXXXXXX XXXX : # 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: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries.
Product: Credit card or prepaid card

tricked me into using balance transfer checks. first sent a series of checks for 1.99 percent. then followed by a series for 2.99 percent then lastly a series for 0 percent to start cycle over again. entrapment. in small print on the back of info says may apply to lower apr balance first.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX  XXXX Account Number : XXXX XX/XX/XXXX / XX/XX/XXXX Reason : I don't recognize this account Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX XX/XX/XXXX / XX/XX/XXXX Reason : Unverified account Account Name : XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX XX/XX/XXXX / XX/XX/XXXX Reason : Unverified account Account Name : XXXX XXXX  ( XXXX Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX XX/XX/XXXX / XX/XX/XXXX Reason : Unverified account Each account has multiple open dates/ INACCURATE INFORMATION on my credit report.I request that these account ( s ) are removed immediately.
Product: Mortgage

My mortgage company is PennyMac and they told me that the contract for the loan was constitutionally acceptable. They continue to make me pay for a fraudulent contract when lawful money does not exist. The Government is required to pay for everything until the return of lawful money, it is public law. Every Mortgage company in America enables and enforces peonage. Turning the American people into debt slaves, pay or they will hinder/ruin your livelihood. Since the mortgage contract is not constitutionally backed and I am a natural person with all rights reserved, without prejudice and not a legal/fictitious person ( fake ). I want my house deed and the lein released off my house, because the constitution rules and common law is the supreme law of the land. A legal contract only apply to a legal person. Considering I am a real, natural person and not fictitious, the legal documents do not hold jurisdiction or power over me. I am also aware of the definition for 'personas ' and the philosophy behind the creation of a legal and fictitious person. I have also paid over XXXX XXXX dollars towards a XXXX XXXX dollar house and still owe XXXX XXXX dollars. usury anyone?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX does not belong to me, belongs to an ex spouse. UNABLE TO DISPUTE ONLINE
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries on all three major credit bureaus that I did not authorize. On XX/XX/XXXX I contacted XXXX XXXX via phone to inquire about their requirements for financing a vehicle and specifically asked if a soft pull could be done just to see if it would be worth applying. The rep assured me that there would be no hit ( hard inquiry ) to my credit. I asked several times and was repeatedly told that there would be no hard inquiry. I then received notification alerts of several inquiries to my credit reports from them as well as a few other financial institutions that they sent my information to all without my consent and the rep blatantly lying to me. I contacted them to have the issue resolved and was told that they would not help me. 

On XX/XX/XXXX and XX/XX/XXXX ( XXXX XXXX XXXX ) my daughter was shopping for a car at XXXX XXXX XXXX and asked about financing and was told she may need a co-signer. Again, I asked if a soft pull could be initiated just to see if it would be worth trying because I was sure that I would not qualify and did not want to have any more inquiries and again I was lied to and ended up receiving notifications from 8 financial institutions and I wasnt even present again at this dealership. They financed her without the need of a co-signer so I am confused as to why they lied about the soft pull and ran my credit without the need to. I contacted them and was offered nothing more than an apology. 

As I was looking at my report I noticed a couple other inquiries that I did not authorize and I have contacted the companies as well as the credit bureaus and they all have refused to remove them. The following inquires were made without my consent : XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Transunion : XXXX XXXX XX/XX/XXXX TXXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

On XX/XX/2021 ATG credit has added a derogatory mark on my credit report. After further investigation and research, the debtor could not provide original contract nor signatures. This account has transferred/sold and I am and have NEVER been responsible for the accounts. Debtor 's creditor did not verify this collection with me! There hasn't been no form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt as anyone can send a bill saying its mines. According to the FCRA, XXXX XXXX has violated my rights as a consumer ONCE AGAIN and I am requesting legal action to remove this account from ALL THREE CREDIT BUREAUS. Additionally, this company has responded to my most recent complaint irresponsibly, accusing me of the person who may have stole my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

On today ( XX/XX/22 ), I had spoken with, XXXX XXXX about the following : past accts/debts, that was deemed legally uncollectable/unenforceable, judgment proof, closed, delinquent, had a balance, and charged-off that were removed, from my credit report eventually! Mentioned about the XXXX XXXX XXXX ( ending in XXXX & XXXX balance ), not being addressed, corrected, and resolved by now! In addition to that, XXXX XXXX had set in motion : some transactions Equifax was supposed, to be looking into, and investigating ; only some of them was resolved! However, the main thing went unresolved, untouched, and remained as is, from previous complaints/disputes! Equifax is also engaging in illegal reporting/practices, in this aspect : under my Equifax platform XXXX my credit report is displaying, and advertising something totally different, from what their third-party vendor ( XXXX XXXX  ) has under their platform! The question becomes why or is this legal to do? They also refused me, the right to add, an additional statement of facts, to my credit report! At the end of the day, Equifax has no intentions of making, the wrong right ; when it comes to this particular consumer, and her credit report matters, issues, and requested resolution!
Product: Credit reporting, credit repair services, or other personal consumer reports

I see that XXXX XXXX ( via XXXX XXXX  ) reported a 30 day late payment to Equifax. I was not 30 days late, per their own statement, of which I have attached for you to review. Equifax ( reported under 1 XXXX ) : XX/XX/2019 payment 30 days late. I was actually late with my XX/XX/XXXX payment, they added a {$39.00} late fee and raised my interest rate so they also added an additional {$15.00} for that. I made the XXXX payment on XXXX XXXX, according to my bank, I was not 30 days late there either. They subsequently waived the late fee. Of course, XXXX won't let me access XXXX XXXX statement, or any of the preceding month 's statements, so that is not included in my attachments. What's important is, my XXXX statement. The XX/XX/2019 payment was due on the XXXX. I happened to be late with that one as well. They added a {$39.00} late fee, plus additional interest, so my past due balance on my XXXX statement that came out on XXXX XXXX, was {$99.00}. XXXX XXXX statement also clearly shows a minimum payment of {$160.00}, that is due on XXXX XXXX. On XX/XX/XXXX, I made the payment of {$160.00}, per their statement. My math tells me there is exactly 28 days between the due date ( XX/XX/XXXX ) and the date I made the payment ( XXXX XXXX ), so I was not 30 days late. XXXX and XXXX statements attached.