23daVinci/CFPB_Complaints huggingface dataset:
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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information in my file. The account/public record Im disputing is as follows : XXXX / XXXX As I have told you previously, and as well as in the dispute, this account has serious discrepancies and is inaccurate. I dispute the issues with the payment history including ( 1 ) the number of past due payments for each of these accounts varies across your files in previous years as well as all other credit bureaus. ( 2 ) the dates of the past due payments for each of these accounts vary across your files in previous years as well as all other credit bureaus. ( 3 ) the number of derogatory days ( status codes ) for each of these accounts varies across your files in previous years as well as all other credit bureaus. ( 4 ) A Charge Off ( CO ) cant be used/counted as a late payment. 

When I disputed this account, XXXX XXXX XXXX showed XXXX past due payments with dates and status of ( XXXX 30 days ; XX/XX/XXXX 30 days ; XX/XX/XXXX 60 days ; XX/XX/XXXX 90 days ; XX/XX/XXXX 120 days ; XXXX ND days ; XXXX ND days ; XXXX ND days ; XXXX ND days ; XXXX CO days ). The fact that Charge Offs ( CO ) is used to determine as a late payment, it is illegal ( they cant be counted ). The payment history for this account shows no late payments, nor payment history listed on XXXX after disputing the same information. All credit bureaus payment history should be identical for the account, which it isnt. 

It was only after I disputed this information and ask for it to be removed from my file, did you allow the company to update the information with new payment history, late payments, the dates of late payments vary again along with new status codes now ranging from " CO '' days. This account was reported XXXX XXXX ( CO ) on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX making it appear that this just happened, but the actual date was XX/XX/XXXX and it was done purposely. This company changed a crucial part of my payment history to look as though this account just closed even though it was over 4 years ago. This is a blatant re-aging process which your company continues to allow. Enclosed is documentation supporting my request : my credit reports from all credit bureaus, with the disputed items both circled and highlighted. You will find previous copies of your credit files showing the payment histories, including number of late payments, dates of late payments, status codes of late payments. All of these are still inaccurate as they were before for the reasons listed above. It shows you have allowed the company to shift the payment history around along with dates, as well as derogatory ( status ) codes.
Product: Mortgage

On XX/XX/2021, I received a letter from our mortgage servicer stating that our loan had been transferred to Mr. Cooper Group Inc. ( " Mr. Cooper '' ) and that the transfer would be effective as of XX/XX/2021. Since then, we have received no communications at all from Mr. Cooper despite my calling their customer service department and inquiring, as well as contacting our prior mortgage company ( The XXXX XXXX ) for advice on how to make our XX/XX/XXXX mortgage loan payment, which was of no help. I have been on the Mr. Cooper website several times- including today - and have entered our former loan number and my SSN into their online database for " Transferred Loan '' information. Upon submitting my information, their database returns an error message stating that it has no information and to wait for " up to seven business days '' from the effective date stated in the letter for the transfer information to show up. Meanwhile, I can not create a customer loan account online. See the attached screenshot.
Product: Consumer Loan

i recieved an auto loan from afs acceptance and in XX/XX/2016 i totaled that car in which i did not have gap insurance on and now they call me everyday demanding payment that i can not afford the auto insurance did pay a potion of the loan. they also send me text messages and the tell me they are going to take me to court and garish my wages and if they can not get ahold of mme they call my daughter and aunt and they have also called friends of mine. I explained to them that i am in finanical hardship and can not afford to pay what they want. they have also asked told to give them debit card numbers so they can take the payments when they need.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm a victim of identity theft. There 's a fraudulent and unauthorized hard inquiry listed on my Equifax and XXXX credit report. The following hard inquiry is fraudulent, unauthorized and do n't belong to me : XXXX, XX/XX/2017
Product: Debt collection

Jefferson Capital System has reported a debt that isnt mine. Name is similar to mine. Is unable to give me details about the debt. This has caused a major lowering of my credit scores Here is the false credit report Details Source XXXX Alert Date XX/XX/year> Balance Amount {$1400.00} Is Collection YES Open Date XX/XX/year> Payment Status XXXX XXXX XXXX ( COLLECTIONS ) Status Date XX/XX/year> Name JEFFERSON CAPITAL SYST Phone ( XXXX ) XXXX Business Type XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been attempting to access my Equifax credit profile and been unable to, Equifax sent me a letter after I file a complaint stating that the unable to locate my credit file and stated I have not used credit in the last XXXX years that is false, stated I have not been assigned social security number, this is false as well or i have not applied for credit recently which is also false as I have been attempting to get a business loan and this is causing me issues and is how I discovered my Equifax profile disappeared.
Product: Mortgage

I have previously disputed this account before but i have an issue with their response. 

I've attached a response i received from Wells Fargo. 

My argument is still concerning the phone numbers and their attempts to contact me or XXXX. 

Their investigation dismisses our claim that the XXXX number, that they purportedly used to contact us, was wrong. They claim that it is listed on the application as a business contact and that is why it was transferred to our online account. 

If you look on the loan application that they included in the investigation, you will see that on Page 1 of 4, both mine and XXXX 's personal numbers are listed under " Borrower Information ''. 

The number that they claimed they used to contact me of the late status of my account is clearly in the " Employer Information '' section. 

I still argue that WFHM did not exercise due diligence or good faith in contacting me or XXXX about the status of our account. There is obviously proof that they could have obtained the correct contact information from our account or the loan application. 

I have provided enough proof to prove that Wells Fargo is reporting inaccurately and that the late 's need to removed from my credit file.
Product: Credit reporting

Experian has fail me twice in erasing wrong personal information from my credit report, and they have the audacity to send disputed results as old information deleted.
Product: Credit reporting or other personal consumer reports

i am a victim of identity theft, please see my documents
Product: Credit reporting or other personal consumer reports

Checking my inquires on my credit report I see a hard inquiry that I do not recognize from " XXXX XXXX XXXX XXXX XXXX XXXX XXXX' on XX/XX/2023. I didn't request for any auto loans, I need this removed as soon as possible.
Product: Debt collection

Between my XXXX phones they call XXXX times per day. Starting the day after payment is due until I pay. This has gone on for several years even when I was in XXXX for the military I was harassed.
Product: Credit reporting

The XXXX XXXX is paid in full and is still on my credit report.
Product: Checking or savings account

Bank of America Claim number : XXXX Amount : {$2200.00} I made a deposit, but it was not deposited due to a machine problem.
Product: Student loan

I have made my monthly payments as scheduled and above the monthly minimum. The monthly Minimum was XXXX because I was on an income based repayment plan, and I have been paying {$2000.00} a month. I have applied for a higher minimum payment based on new income, but that is still in processing. I have not missed any payments. Navient reported to the credit bureau that I missed payments on XXXX loans. Two separate Navient representatives I spoke with agreed with me, and told me that if I sent in a copy of my credit report, and my payment history the marks on my credit report would be removed. After sending the information, Navient informed me that they would not remove the charge from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 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

While checking my credit report I noticed a collection put on there by Capital Accounts even after telling them numerous times this was not my debt. I also sent them debt validation letters by certified mail on XX/XX/2021, which they received and signed for XX/XX/2021. Their agents are rude and uncooperative to say the least and are still refusing to take this fraudulent collection off of my credit reports. Instead they sent me emailed me an itemization which has no dates and no signatures from me or the original party. Pursuant to the Fair Debt Collection Reporting Act I demand Capital Accounts take this fraudulent collection off off all three of my credit reports ( XXXX, XXXX, XXXX  ) immediately since the debt is unable to be validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT. I have been in contact with furnisher and no information have been provided, pursuant to XXXX XXXX Fair Credit Reporting Act & XXXX XXXX UC_C. I am being harassed, badgered my credit with no explanation on an erroneous, alleged collections information. NORTHSTATE ACCEPTANCE has never proved this debt belong to me legally.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX refuses to remove an account that was not mine. I have sent paper work to them, XXXX and Equifax and all but XXXX refuses to remove the account. I have now sent in 3 sets of paperwork, 4 times and they refuse.
Product: Mortgage

Account is under government payment plan ( HAMP ) and as long as payments are made as agreed, the account must be reported as satisfied to the credit bureaus. I have not missed a payment in the program ( they were all scheduled ahead of time and all have been made ) and Wells Fargo is reporting me 90 days past due to transunion, equifax and experian which is illegal according to the HAMP guidelines.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX i got hacked from XXXX and when trying to get customer support i got sent a message from my bank ( scammers sent ) that a charge of {$990.00} was withdrawn in order to get some information on my account status they used an application called XXXX  bank USAA ( I contacted ) called and try to reimburse that payment ( used XXXX  app ) and they can not therefore i got drained of that momey.
Product: Credit card

Scam Committed by PayPal I feel I was wrongly signed into PayPal 's Credit Service. This seems to be a delayed payment for 6 months I scammed into, when I could 've easily paid the entire {$150.00} transaction on XXXX XXXX, XXXX, paid through my debit card. That 's exactly what I thought, that I was paying through my debit card. Today, a male from PayPal collections called me, stating that I currently owe {$180.00} for non-payment. He said they 've been sending me correspondence on this. I did finally find ONE email, stating that payment was due. However, I felt I did n't need to read ANY of today 's many emails from PayPal, which were pretty much advertisements - I thought the transaction AND payment had been completed through my debit card last year. While I was talking, the collector tried to interrupt me several times, but I continued talking anyway, refusing to acknowledge his " collector '' tactics. I finally told him I 'd investigate my bank account and call them back. 

I called my bank ( XXXX XXXX, XXXX ), and sure enough, NO payment of {$150.00} was paid through my account on XXXX XXXX, XXXX. 

I called PayPal Collections ( XXXX ) back on XXXX XXXX, XXXX XXXX PST and spoke to a XXXX. I told her the same thing, that I was wrongly signed into PayPal credit. I told her that I only wish to pay her the {$150.00} transaction. She said, " We 're Collections, and I can give you a REDUCED late fee. '' I replied, " I never signed up for PayPal Credit. I 'd like to file a complaint with Consumer Financial Protection. '' She asked, " Do you want their address so you can write them? '' I replied, " No, I can file the complaint online. '' After that, the call went silent. I believe she put me on hold or mute.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX of XXXX I began the dispute process with Equifax over 3 unverified accounts in collections on my report. I disputed all 3 accounts from XXXX XXXX because all accounts were unverified. I received responses informing me the investigation was complete from them and I had documents provided by the debt collectors providing me invalid forms of proof in order to justify illegally reporting these collections on my report. I repeated the process with 3 more rounds of disputes, a total of 4 rounds of disputes in an attempt to resolve the discrepancies with the company. Each time their willful improper investigations yielded no VALID forms of documentation as required by the FCRA under section 611 to provide proof that the debt is in fact mine. There must be an original document consumer contract containing my signature on it in order to verify the account and legally report it. The dispute process with the company ended XX/XX/XXXX without remedy. My account has had these collections since XXXX and for several years has damaged my credit and negatively impacted my life. Im homeless and have been unable to obtain housing for years because of the illegal practices ruining my credit caused by Equifax. Ive exhausted all options with the company and they have repeatedly dismissed my valid disputes over my credit report. Roughly cost {$120.00} to dispute with Equifax for printing, copying, postage, and notarizations.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, 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 ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : 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: Credit reporting or other personal consumer reports

After reviewing my credit report I have found several hard inquiries that I do not recognize. Please remove these fraudulent inquiries from my credit report. 
XXXX XXXX XXXX : XX/XX/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 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: Credit reporting or other personal consumer reports

PLEASE BE ADVISED THAT AS OF XX/XX/year>, MY INITIAL DISPUTE WAS MAILED OUT AND I HAVE YET TO HEAR A RESPONSE 6 MONTHS LATER THIS IS MY SECOND DISPUTE AND I DEMAND A RESPONSE IN A TIMELY MANNER. AS LISTED ON MY MOST RECENTLY REVIEWED CONSUMER REPORT, THERE ARE STILL UNVERIFIED INQUIRIES AND ACCOUNTS. THESE UNVERIFIED AND UNAUTHORIZED INQUIRIES AND ACCOUNTS ARE A RESULT OF ENABLING IDENTITY THEFT. MY PERSONAL INFORMATION HAS BEEN LEAKED THROUGH XXXX XXXX BREACH. EXPERIAN HAS FAILED IN ENSURING THE MAXIMUM POSSIBLE ACCURACY OF THIS INFORMATION PRIOR TO FURNISHING IT ON MY CREDIT PROFILE. THIS IS A CLEAR VIOLATION OF MY RIGHTS AS A CONSUMER. I
Product: Credit card

On, XX/XX/year>, A contractor installed a brand-new AC unit in my house. The house was under the branch store truck hadn't left. according to the contractor they were coming to fix the issue on XX/XX/year>, and no show. I let them know that I have XXXX XXXX in XXXX and i need the AC unit to be fixed. I let them know that I believe there is something wrong with this new AC unit and I believe the size is wrong as well. They did NOT return my calls or solve the issue. The AC unit has a 10 warranty part warranty and 5 years labor warranty. They charged my home improvement and construction and I moved in XXXX. The AC unit hasn't been working well and I have contacted the contractors through phone conversations and text messages which I have as proof. I started calling the contractor toward the XXXX week of XXXX letting them know the AC unit isn't working well. They couldn't make it due to a family member passed away and they were out of town. I knew something was wrong. I started to text them instead of calling to gather proof. XX/XX/year>, I asked for an update, and according to them the XXXX location store was out of stock, the next excuse they gave XXXX branch store truck hadn't left. according to the contractor they were coming to fix the issue on XX/XX/year>, and no show. I let them know that I have XXXX XXXX in XXXX and i need the AC unit to be fixed. I let them know that I believe there is something wrong with this new AC unit and I believe the size is wrong as well. They did NOT return my calls or solve the issue. The AC unit has a 10 warranty part warranty and 5 years labor warranty. They charged my home improvement {$8700.00}. I even asked them to come and pick up the unit since it is not working right and wrong size. They still have not replied to my calls. I hired an AC license and he verified the unit was the wrong size unit, instant of 4 4-ton units they installed 3 3-ton united. My house 's square footage is XXXX, and high ceilings are a major factor. My credit company Synchrony Bank isn't working with me and I have provided them with all the evidence. Every time I call them, they pass me around and never seem to get the right person. I haven't had any AC since I moved to the house and I feel the contractor took advantage of me, and Synchrony Bank should be supporting me with all the facts but haven't done their job. I have asked for the AC unit to be removed and I was willing to drop it off to the contractor by hiring a few guys. I even let Synchrony Bank know. I have filed a dispute with Synchrony Bank and they don't care. The only thing they care about is their money. They seem to care that I got ripped off and still have no AC working. My family and I have suffered this deal and I have no other choice but to file this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my consumer report a while back and noticed a bankruptcy being reported. When I contacted the bureaus explaining my rights to privacy they sent a letter back stating the letter was verified and accurate. I contacted the bankruptcy court to find out if they gave my information to the credit reporting agencies, they stated they do not report any information to any of the agencies. I then noticed that the main bureaus received their information from LexisNexis so I sent a letter to them explaining how they are violating my rights as a consumer and I even pointed out the laws they violated. I never gave them permission to furnish anything on my consumer report so that violates 15 USC 1681b ( a ) ( 2 ). I have the right to privacy and they violated that law, 15 USC 1681 ( a ) ( 4 ) and they stated that the information was investigated and verified but who did they speak with? 15 USC 1681a ( e ) states that to conduct an investigation, they would have to speak to neighbors, friends and/or associates and if they spoke to them the information provided can not be factual. LexisNexis violated these laws, destroyed my moral character and lied. The information on my consumer report needs to be removed. In addition to everything mentioned above, I want and deserve remedy ASAP.