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

Account Name : XXXX XXXX BANK Account Number : XXXX Reference : Remove Late Payment XX/XX/2020 XXXX Credit Bureaus are reporting inaccurate information to my Consumer Report 2. I have disputed multi times and account is not updated 3. I have submitted certified documents to show inaccurate information 4. CRA are not complying with FCRA law 15 USC 5. I have contacted original creditor. 
6. They have stated that corrected information was submitted to XXXX, a third party Credit Reporting Agency that reports to Experian, XXXX, and XXXX. 

7. XXXX is one of the CRA who is reporting inaccurate, incomplete, unverified, information to my consumer report. 
8. The FCRA Law states that no Transactions or Experiences shall be reported on a consumer report [ FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ] This has caused me severe stress, defamation, and my ability to obtain credit.
Product: Money transfer, virtual currency, or money service

Fraud business loans which were sent by XXXX XXXX to XXXX XXXX XX/XX/XXXX {$570.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$1500.00} XX/XX/XXXX {$1500.00} XX/XX/XXXX {$1500.00} XX/XX/XXXX {$1500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$8100.00} XX/XX/XXXX {$5000.00} XX/XX/XXXX {$5000.00} XX/XX/XXXX {$5000.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$1500.00} All of the XXXX XXXX transfers came from my XXXX  checking account XX/XX/XXXX {$5000.00} XXXX XXXX to XXXX Wire Transfers app XXXX XXXX from my XXXX  checking account XX/XX/XXXX {$5000.00} to XXXX XXXX XXXX XXXX account # XXXX XX/XX/XXXX {$9200.00} to XXXX XXXX XXXX XXXX account # XXXX XX/XX/XXXX {$9800.00} to XXXX XXXX XXXX XXXX account # XXXX XX/XX/XXXX {$5000.00} to XXXX XXXX XXXX XXXX account # XXXX
Product: Debt collection

The amount owed to XXXX XXXX and its collectors was XXXX dollars mind you this account was closed and the remain closed through the most impactful times in America during the lockdown during that time XXXX promised people they would give people COVID-19 forgiveness due to people losing their jobs and getting sick which I was one of those individuals who signed up cause I was affected and they still continue to charge while the lockdown was in affect and disputed this account multiple times but the keep changing information so it seems like i recently did this and I cant be protected by the natural disaster act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the same collection account with all 3 bureaus several times. I have provided evidence that the information is incorrect. They continue to report a debt that is 6 years old as 2 years old. The debt has been sold several times from XX/XX/XXXX until XX/XX/XXXX. The amount of te debt haas changed 3 times it was {$580.00}, XXXX, and XXXX. The debt is not from a credit card company it is from XXXX. Therefore the amount should have remained the same being there is not any interest being charged. I have explained this to them and they continue to illegally report incorrect information. It seems no matter what debt collection agencies does the credit bureaus take their side right or wrong. They never take the side of the consumer. I refuse to allow them to report the same old debt for another 5 years. 
I have copies of my credit reports to verify that I am telling the truth. I also have a letter from the very first collection agency showing the original date of collection and collection amount. I submitted it to all of the credit bureaus and they totally ignored it when I disputed the debt XX/XX/XXXX and XX/XX/XXXX. 
I also contacted the debt collector XXXX XXXX XXXX asking for the validity of the debt from the original creditor XXXX and I have yet to hear or receive anything from them. 
I called in to speak to a customer service rep at XXXX and she disconnected the call very unprofessional.
Product: Consumer Loan

Account : REGIONAL ACCEPTANCE CORP shows past due 30 days on XXXX, XXXX AND XXXX credit report. Account is closed and paid. As they have accepted last payment and account is in agreement. Never late.
Product: Mortgage

This loan was originated as a line of credit from XXXX XXXX XXXX  of {$49000.00} which a total of {$9800.00} was drawn for use. The XXXX XXXX XXXX  closed our line of credit in XXXX and transferred our loan to XXXX. We paid on this loan until XXXX of XXXX. Our mortgage was with XXXX XXXX XXXX  and was modified with over {$50000.00} in loans written off and forgiven. This was a mix of all mortgage debts XXXX XXXX, XXXX, XXXX XXXX  We noticed that our home has a deed of trust when trying to inquire about selling our property. 
This deed of trust was a company named XXXXrinity Financial Services which bought, transferred, or received mortgage notes. Trinity sent letters demanding payments and offering debt mitigation. After some time Trinity has now threatened foreclosure or lump sum payments of debt. How can this happen? We are in our seventies and live off social security and a small annuity. Is there any help available?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list below has Below has violated my Federal Protected consumer rights To privacy and confidentiality under 15 USC 1681 rights. 

Commercial acceptance co XXXX XXXX 15.U.S.C 1681 section states i have the right to privacy. 15 U.S.C 1681 Section 604 A section 2 : states. Its also states consumer reporting agencies can not furnish account without my written instructions. 15 U.S.C 1681c [ a } [ 5 } Second states no consumer report agency may make any consumer reporting containing any of the following items of information any other adverse items of important. Any other items 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 a consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the inaccuracies related to my Social Security account due to the breach that occurred in XXXX  My name is XXXX XXXX, and I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach.Please find attached any documentation that supports my claim, including [ list any relevant documents, such as identification, proof of address, or any notices received ]. I would appreciate your prompt attention to this matter and a response at your earliest convenience.Thank you for your assistance.Sincerely, XXXX XXXX. 

Account Name : XXXX XXXX Account Number : XXXX {$13000.00} Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX {$160.00} Reason : I don't recognize this account
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a to the creditor XXXX XXXX to validate the debt and remove the inaccurate information under my account. The letter is to REMOVE those late payments reflected on my credit report because they were all agreed upon by the creditor. In other words, I called and informed the creditors and asked NOT to pay during those months until I was able to get back on my feet. Once I did I paid all those late payments and up to current, I haven't been late ever since. We have an agreement in writing that my account will be put into their XXXX XXXX  XXXX on XX/XX/2019 which gave me several months of deferred payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent validation letters asking them for original signed documentation of this account belonging to me. when I call and talked to them I am told that they no longer have the documents. 

I have asked XXXX XXXX XXXX to validate as well but they fail to do so. They tell me that I have to talk to the Creditor Synchrony. XXXX  XXXX XXXX are suppose to have correct information to report negative items on my report. 

account number : XXXX Unverified Account
Product: Credit card or prepaid card

PayPal MasterCard had charged security card charges to account which caused card to go over limit even after no purchases were made after 2. Had been charged this service since 2011 which grossed {$1800.00}. Called security card charging company ( synchrony ) which in turn refunded credit towards bill. Spoke with PayPal to ask if security card charge fee incurred interest, person said no but would gladly remove lasts months interest fee. Only {$2500.00} was made in purchases in which over {$2000.00} had been paid to card company and after {$1800.00} was credited to account, it had left a {$1600.00} balance which I believe was caused by interest charges on security card charges. Asked to speak with someone else, which in turn was no help and I was hung up on.
Product: Mortgage

XX/XX/2022 - Loan sold to Newrez LLC XXXX # XXXX XX/XX/2022 - Husband and I set up automatic payments XX/XX/2022 - XXXX Automatic Payment did not come out ( we have confirmation email ), we realized husband 's name was not added to Newrez account even though all loan documents signed at title agency were signed by each of us and his name is recorded XX/XX/2022 - Paid one time payment. Set up auto-pay AGAIN ( we have a XXXX confirmation email ) per Newrez directions. We were told husbands name would be added to the account and that Newrez did in fact have the documentation to prove his name should be on the loan XX/XX/2022 - XXXX Automatic Payment did not come out again ( we have a confirmation email ), we realized husband 's name was AGAIN not added to Newrez account XX/XX/2022 - Called Newrez again. They're saying the bank account number for automatic payments couldn't be located and that's why they haven't taken them. Paid one time payment with the account they said couldn't be located. 

There is a problem with their payment system as every time we made a one-time payment, the same bank account number they " can not locate '' is the one we've paid with. I am wondering how many other VA home loan borrower 's have been affected by this and have been charged fees/marked delinquent/have taken credit hits because Newrez will not fix their system. We have an email trail of payment set-ups and modifications from when we have talked to customer service that is attached below. 

In addition to a faulty payment system, they also have poor recording and documentation practices. My husband 's name has yet to be added to a loan for which he is a co-borrower, and none of our payments or the fact we have a home loan has showed up as being reported to either of our credit. 

This feels a lot like breach of contract at best, and fraud at worst. Something isn't right and VA home loans should NOT be allowed to be serviced by this company.
Product: Mortgage

I was in the process of a Loan Modification and Chase Mortgage went ahead and filed a judgement against me even though I was not denied for the Loan Modifucation. When I called the Loss Mitigation department at first they seemed to not be aware of it and we 're still asking for documentation. When I called again to follow up I was told by my Customer Service Representative that we have to be in Underwriting which I know it is not true. I am due in court even though Chase is dual tracking me. I was also told that the Chase ' foreclosure department and the Loss Mittigation department do not seem to communicate.
Product: Debt collection

I was a victim of identity theft. I repeatedly submitted my identity theft report to XXXX and XXXX XXXX stating this account was opened fraudulently and was not mine. It has remained on my credit report and they refuse to remove it, and they continue to call me repeatedly trying to collect.
Product: Student loan

I have contacted XXXX  and notified them several times since XXXX that the public service loan forgiveness ( pslf ) date was incorrect and the number of payments credited were incorrect. Representatives continued to insist that my student loans were not in repayment status and were in school status and that was incorrect. I graduated early XX/XX/XXXX and my student loan status was changed in XX/XX/XXXX. I have received documentation from XXXX showing that my school status was updated on XX/XX/XXXX to reflect that I had graduated as of XX/XX/XXXX. XXXX  representatives lied to me numerous times stating my loans were not updated with the Department of education or XXXX to reflect me graduating. When in actuality the loans were updated and they had failed to properly process the request and obtain information from XXXX. I began working in XX/XX/XXXX. I immediately contact the Department of Education and notified them so that my student loan forgiveness would begin. However, the representatives refused to allow my account to enter repayment so that those months would count towards my forgiveness. I was eligible and met all requirements for qualifying payments from XXXX XXXX XX/XX/XXXX. I now have six extra months of payments because of this companys willful failure to process my pslf, deceptive and unfair practices. I contacted XXXX again at the beginning on XXXX and informed them that my pslf was incorrect and the representative responded this is normal not to have it start on time and went on to blame the school and XXXX. This practice should not be normal, especially since the school and XXXX appropriately updated my loans and they were in the correct status to receive student loan forgiveness credit those months.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 XXXX, XXXX XXXX mailed a letter about things on my credit report that is inaccurate and not mine. as of today, it has been over 60 days and I have not got a update. It seems I am being taken advantage of and my consumer rights are being violated ; several violations are taking place. The law states that if a investigation is not complete in 30 days, thats a reason for the items to be taken off of my credit report. Delete these items from my credit report immediately because section 611 ( a ). If these items are not deleted immediately I will file litigation due to the damages and stress inflicted on me. These items are inaccurate and do not belong to me. I have been denied credit and jobs because items that are not accurate are being reported. This has crippled my ability to care for my family and no one seems to care. My rights have been violated and still are being violated bureaus who have to power or authority to report anything about me unless I give them permission. I have not given my consent to furnish anything about me on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent my previous letter to Transunion and XXXX for them to remove the account and information that resulted due to the theft of my Identity. The last letter I sent to Transunion and XXXX was XX/XX/, 2022 with complete attachments of my Personal information, but despite all my efforts, Transunion and XXXX seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that Transunion and XXXX investigate and verify the accuracy of the items I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Now, I am submitting this complaint to urge Transunion to remove the disputed items with or without proper investigation since the time allotted for them to conduct their investigation is already over. Once again, I AM REQUESTING THAT TRANSUNION REMOVE THE ITEM COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Date Opened : XXXX -- XXXX Balance : {$1600.00}
Product: Mortgage

Without notice,  XXXX   XXXX  sold my mortgage to a company calle d Loancare. Thus far I have had an impossible time making payments, as though they want me to defa ult on my loan! Despite having setup auto pay and schedule d one time payments none of them are being applied! Despite their " website '' stating otherwis e. Customer agents have no clue as to what the status of my payments are as they use the exact same poorly designed and outdated " website ''.     This company has no business handling my loan and their actions are bordering on discriminatory as I am a  XXXX  American and this issues are causing me great distress!
Product: Credit reporting or other personal consumer reports

Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX with Social Security Number XXXX, a resident of XXXX XXXX XXXX XXXX XXXX California XXXX, submit this affidavit to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : Applicant Identification : Full Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/1998 Current Address : XXXX XXXX XXXX XXXX XXXX California XXXX
Product: Checking or savings account

First contact with XXXX XXXX XXXX ( XXXX ) in XXXX for moving from XXXX, XXXX  to XXXX XXXX . I agreed the contract Job # XXXX for XXXX on phone. 
The agent from the company Mr. XXXX XXXX asked me my checking account at CHASE bank and charged ( Check No XXXX ) {$600.00}. As per the contract, they moved and I paid the {$600.00} by cash to driver onXX/XX/XXXX during pick-up and rest paid to driver on deliverXX/XX/XXXX After 2-3 weeks, I noticed that the moving company charged an extra {$600.00} to my checking account without my authorization ( check No XXXX ). 

I contacted the XXXX  XXXX XXXX company in XXXX for returning this extra charge. They told, they will return me but have to wait for 30 days as they want to make sure I am not canceling the check. 

I contacted Mr. XXXX XXXX XXXX XXXX ) from XXXX XXXX XXXX XXXX XXXX. and he told me he has forwarded this for approval. I never received the check. 

Finally, he replied to me on XX/XX/XXXX by email, saying he forwarded my check to Mr. XXXX, who is the CEO of this company to sign the check. 

I have not received the check. No reply from Mr. XXXX to my subsequent emails or voice messages. 

I contacted Chase Bank in XXXX and talked to Fraud division, they told me since it has been 50 days, they can not do any thing, my claim rejected.
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 XXXX, XXXX, and Equifax has been reported as follows : XXXX XXXX ACCOUNT NUMBER XXXX BALANCE {$2200.00} ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS CHARGE OFF UNPAID. XXXX ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS CHARGE OFF UNPAID. 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

I, XXXX XXXX, never gave Equifax any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute.. 

I have not given Equifax permission to access my credit profile and Equifax have no permissible purpose by law to contact third parties with my private or personal information. Equifax offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. Equifax have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 


Equifax also DO NOT have any permissible purpose to furnish my personal information to any third party. 

15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 


As a consumer, I am demanding a deletion of the following account. As of this moment, Equifax have NOT done their duty mandated under the law. Equifax inaction in this matter is inexcusable, and their disregard for the law is contemptible. Rest assured, I will hold them accountable. I did not have to go this far with the other bureaus because BOTH XXXX and XXXX have complied with the law and have REMOVED this account from my reports permanently months ago. XXXX removed this account XX/XX/XXXX and XXXX deleted this account XX/XX/XXXX. I also will attach proof of these deletions in this complaint. So Equifax also is in violation of Metro-2 compliance because Equifax is the only bureau that is deciding to report this inaccurate information after it had already been deleted previously. Just for the record, the following information is being erroneously included on my credit report, as I have advised you on several separate occasions. 


1. The following account is NOT MINE XXXX Account number : XXXX Please remove it from my credit report. 


This account which is not metro 2 compliant should have been deleted for not following the industry standard required to maintain maximum possible accuracy. Accounts SHOULD BE BOTH 100 % ACCURATE AND COMPLETE but ARE NOT ACCURATE AND COMPLETE. This has been an utter failure to follow your reasonable procedures required by 15 U.S. Code 1681i ( 5 ) ( A ) ( i ) and ( ii ). 

I have all the proof that I need to take you to court and win as, by law, you are not allowed to report this information as you have been, especially for a debt that is NOT MINE. Therefore, I have every right to take you to court to seek damages for what you have put me through. However, it would be more beneficial to me to have this account removed sooner than later and thus, the reason for me giving Equifax, literally, ONE MORE CHANCE to do the right thing and resolve this matter outside of court, saving you more than approximately {$10000.00}.
Product: Credit reporting

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are requested to " promptly delete all information which can not be verified 'that I have disputed. Please resolve the manner as soon as possible. Thank you