23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I just received a letter from XXXX XXXX to collect in a XXXX  account {$XXXX}. I have disputed this account with XXXX  XXXX  times and they never resolved the fraud issue!!!! 

My card was stolen and used around XXXX time last year. The balance is not mine is a result of fraud!!! 

I filed XXXX fraud claims with XXXX! They never supported or provided the results of their investigation, rather sent me bills!!!! They then sold the account to a collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX  XXXX XXXX Balance - ; XXXX XXXX XXXX Balance {$1000.00} ; XXXX XXXX  XXXX Balance {$4100.00} ; XXXX XXXXXXXX Balance - ; XXXX XXXX XXXX XXXX XXXX - ; XXXX. XXXX, XXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$800.00} ; XXXX XXXX ( Original creditor : XXXX ) XXXX Balance - ; XXXX XXXX  XXXX XXXX Balance {$3300.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$3600.00} ; XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXXnquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, U S DEPT OF EDXXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, XXXX Company Inquiries : XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I am reporting this company they removed this debt the first time I reported it then they added it back to my reports I had also already made a police report that my ex boyfriend must have use my identity to open fraudulent accounts in my name but I have no actual prof this company is XXXX XXXX XXXXXXXX XXXX XXXX XXXX Bank in the amount of XXXX I want this account removed permanently and never to reappear.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX. my case is on file but there are outstanding items that have not been removed that I would like help with. I called but the representative did not correctly address this matter.
Product: Debt collection

In accordance with the Fair Credit Reporting Act the collection agency, Harris and Harris Limited, violated my consumer rights. The collection agency violated my consumer rights. through the improper use of my credit report and rights to privacy under 15 USC 1681 section 602. Also the collection agency violated my rights by furnishing a account to a credit reporting agency without notification or without consent or written instructions according to 15 USC 1681 section 604 ( a ) ( 2 ).
Product: Credit reporting or other personal consumer reports

I would like to dispute off the following items on my credit report. 

Equifax : EQUIFAX MORTGAGE SER Date of inquiry : XX/XX/year> EQUIFAX MORTGAGE SER Date of inquiry : XX/XX/year> XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX  Date of inquiry : XX/XX/year> XXXX : EQUIFAX MTG Date of inquiry : XX/XX/year> EQUIFAX MTG Date of inquiry : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, XXXX, CREDIT PLUS add a hard inquiry on my credit reports. 
On XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX  XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX, GA XXXX add a hard inquiry on my credit report per XXXX 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

This letter is my final communication regarding your claim that the information below has been verified and that the information being reported by the furnishers is accurate. Both accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are reporting inaccurate information and you were notified in a letter datedXX/XX/XXXX. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617.
Product: Checking or savings account

I was working XX/XX/XXXX the night shift at the XXXX XXXX located in XXXX XXXX XXXX  I clocked out at XXXX XX/XX/XXXX. XXXX transactions happened while I was shutting my bar down. XXXX transaction which I disputed got approved for XXXX $ from XXXX XXXX XXXX And XXXX. This transaction happened XX/XX/XXXX at XXXX. The next transaction I had to wait an extra day to dispute so it can go through. Sunday XX/XX/XXXX I disputed these XXXX charges which I spoke to a chime representative about on XX/XX/XXXX to try and dispute these charges as fast as possible. They said I had to wait for it to go through so I called the XXXX to dispute them. The XXXX charges are the following XXXX from XXXX XXXX XXXX XXXX for {$24.00} at XXXX on XX/XX/XXXX, the next XXXX are from the same location a few minutes apart XXXX transaction at XXXX XX/XX/XXXX from the XXXX XXXX XXXX for {$68.00}, and the last transaction also from the XXXX XXXX XXXX for {$83.00} at XXXX XX/XX/XXXX. I sent chime my time card and said that is not enough proof. I canceled and ordered a new card once I saw these transactions, and that is still not enough proof some how. I would really appreciate it if you can help me figure this out cause chime isnt helping. They spent the rest of my money in my account and dropped it to the negatives.
Product: Student loan

XXXX XXXXfor the amount of XXXX I volunteer to have the car return I was notified by representative at XXXX XXXX that they no longer have the car anymore they recycle the car as in they resold the car so I am not responsible for that debt but yet it is still on my credit report I tried reaching out to XXXX XXXX to discuss I left voice mail and and sent email no reply. Need to be removed. Also I only attended one school and that was XXXX XXXX XXXX XXXX is stating that I attended another school for XXXX University I never attended any Universities only community colleges. And XXXX College I never took out any loans.
Product: Mortgage

This was actually also sent to Mr Cooper with no resolution. 

Our loan was moved to Mr Cooper loans in XX/XX/XXXX from XXXX XXXX. Our payment was {$1500.00} then because property tax was just paid by XXXX XXXX the first thing Mr Cooper did was increase our monthly payment to {$1800.00} to replenish the escrow account. I do unstand that but it was a huge increase to our family budget. 

The first payment we made to you was a lump sum payment. The second month we moved to a bi-monthly and then we decided that we would split the payments into XXXX so every bi-weekly pay my husband had and every bi-weekly pay I had went directly to Mr Cooper. 

Little did we know this would cause so much confusion and frustration. Every payment was unapplied incorrectly causing collection calls and late payments. I even emailed to get a refund for XXXX and then it was reestablished and now we have another {$47.00} charge. We have called customer service more than XXXX times this last year and after every call we are assured that the resolution was made. 

Please find all monies received by Mr Cooper and explain to me how we should have to pay late fees and are short on payments. To date we have actually overpaid our loan by {$1300.00}. I would kindly like the {$47.00} that was reversed and now the additional {$47.00} taken off our account. 

XX/XX/XXXX Payment XX/XX/XXXX {$1500.00} XX/XX/XXXX Payment {$1800.00} XX/XX/XXXX {$920.00} XX/XX/XXXX {$920.00} ( additional {$2.00} ) XX/XX/XXXX Payment {$1800.00} XXXX {$460.00} XX/XX/XXXX {$460.00} XX/XX/XXXX {$460.00} XX/XX/XXXX {$460.00} XXXX Payment {$2300.00} XXXX {$460.00} XX/XX/XXXX {$460.00} XX/XX/XXXX {$460.00} XX/XX/XXXX {$460.00} XX/XX/XXXX {$460.00} ( additional {$460.00} totaling {$460.00} ) XXXX Payment {$1800.00} XXXX {$460.00} XX/XX/XXXX {$460.00} XX/XX/XXXX {$460.00} XX/XX/XXXX {$460.00} XXXX Payment {$1800.00} XXXX {$460.00} XX/XX/XXXX {$460.00} XX/XX/XXXX {$460.00} XX/XX/XXXX {$460.00} XXXX Payment {$1800.00} XXXX {$460.00} XXXX {$460.00} XX/XX/XXXX {$460.00} XX/XX/XXXX {$460.00} XXXX Payment {$2300.00} XXXX {$460.00} XXXX {$460.00} XX/XX/XXXX {$460.00} XX/XX/XXXX {$460.00} XX/XX/XXXX {$460.00} ( additional {$460.00} totaling {$920.00} ) XXXX Payment XXXX XX/XX/XXXX {$1800.00} XXXX Payment {$2300.00} XX/XX/XXXX {$460.00} XX/XX/XXXX {$1800.00} ( additional {$460.00} totaling {$1300.00} ) XXXX Payment {$1800.00} XX/XX/XXXX {$1800.00} We are already receiving collection calls from Mr Cooper stating we are in default of our loan and do not pay XXXX. Now they are reporting to the credit bureaus that we are in default.
Product: Debt collection

XX/XX/19 I was called regarding a debt to be paid, by a attorney from XXXXXXXX XXXX XXXXXXXX. I felt pressured to make arrangements because I was told my license would be suspended. I then noticed while making arrangements it was with national debt holdings and my debt was recently sold to their company XX/XX/2019
Product: Checking or savings account

For a while now I have been noticing that a transaction that I have made would clear. But I would check it later on to see that its back a pending. Then it would be pending for XXXX days before it clears again. Its like I been paying for things twice.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by slience XXXX XXXX XXXX ( mo ) XXXX XXXX. | presume that no proof of the alleged debt, therefore any such debt, in fact therefore exist. ( please remove these accounts before I see litigation for defamation of character. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I requested an update on XX/XX/2021 as to how much additional spend I needed to make on my XXXX card prior to the end of the year to earn a free night award. I was told as of that date I need to spend {$910.00} to reach {$15000.00} in spending. I spent {$1600.00} net of returns. When the free night did not post I sent a secure message to Chase and have been told multiple different excuses, including on XX/XX/XXXX that I did not qualify since I had {$460.00} in refunds, XX/XX/XXXX that I did not meet the spending requirement with no explanation, on XX/XX/XXXX that I only spent {$12000.00}, and from the same representative on XX/XX/XXXX " I reviewed your previous correspondence, and the specialist indicated your approximate spend to earn the free night was {$910.00} in late XX/XX/2021. From the date that this correspondence was sent to you to XX/XX/2021 the spend was not met as there was a merchant credit that is not counted towards your spend. '' This is still incorrect as a simple review of my transaction shows, let alone the number of attempts and constantly changing answers from Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking into my XXXX. I see that I have over 18 reporting within 2 weeks period. A lot from car dealers and XXXX. However I myself personally have not applied for a new car or XXXX. And trying to contact all of them at once its hard to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a duplication of an auto loan that I am the co-buyer on with my grandmother. The loan account was opened XX/XX/XXXX with XXXX XXXX XXXX with a current and remaining balance of {$12000.00}. This is the ONLY loan that we have with XXXX. I have disputed this error with Equifax on numerous occasions to include numerous online disputes as well as phone calls. I have been told by Equifax to contact the creditor ( XXXX ) and have them validate the correct account. XXXX  has and continues to validate the correct account and report information monthly. Equifax updates the correct account while disregarding this duplicate entry for almost 2 years despite my numerous disputes. Its an obvious duplicate as both entries show the same account number. We never closed an account and opened another with XXXX and XXXX has confirmed there has been no reason or changes that would to justify an additional entry. 
The duplicate account has not been updated since XX/XX/XXXX which is when it was added, still shows a balance of {$17000.00} and an account open date of XX/XX/XXXX. All incorrect, proven incorrect yet Equifax has and continues to report incorrect information that has not only lowered my credit score, increased my debt to income ratio and directly impacted my credit worthiness and ability to obtain credit.
Product: Debt collection

I have asked several times for them to stop calling me at work. They have called my HR department and several co-workers to contact me. I have repeatedly asked them to not contact me at work and it wil not stop.
Product: Credit reporting or other personal consumer reports

Account XXXX To whom It may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$2200.00}. This is a violation of the FCRA and is in violation of requisite XXXX Complaint reporting standards. According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you a required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all XXXX reporting standards and this account removed upon completion.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that all fraudulent accounts listed below be immediately blocked and deleted from my credit report, pursuant to 15 U.S.C. 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), as I am a victim of a data breach resulting in unauthorized use of my personal information. The following accounts are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is my 3rd Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account 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
Product: Student loan

XX/XX/21 The Student Assist Plus Team solutions@studentassistplus.com Tel XXXX Fax XXXX www.studentassistplus.com confirmed receiving my personal tax documentation via email. Since then I have been sent multiple emails on XX/XX/21 and XX/XX/21 with conflicting messages. There are multiple voice messages that are conflicting to the emails.
Product: Debt collection

Harris LTD is saying that I owe XXXX in utilities and this was all paid in bankruptcy and is not owed so they need to remove this immediately because it is paid out
Product: Checking or savings account

I, XXXX XXXX, am requesting for CHIME BANK ( The XXXX XXXX ), to Refund my Dispute against XXXX XXXX the Amount of {$190.00}. Date of Transaction : XX/XX/XXXX. XXXX XXXX canceled the Flight from XXXX Texas to XXXX Florida for ALL Passengers and they are saying the member did the cancelation when I have not done so. Now money is sitting in my XXXX XXXX Account as a Credit to be used no later than XX/XX/XXXX. XXXX XXXX has mentioned multiple times that they will go ahead and refund the full amount of {$190.00} back in to the account that was used to make the purchase. ( Chime Bank Debit Card ) and to please allow up to 7 business days to the refund to be into the account. Since XX/XX/XXXX there has been no refund of the amount of {$190.00} into my Chime Bank account. I have called and emailed Chime Bank as well and also have gotten no where. Now I am tired of disputing this with both the XXXX and the Bank and I am going to you and to the XXXX : XXXX XXXX XXXX and file a complaint against XXXX XXXX. I am now requesting for the FULL REFUND Amount : {$190.00} and plus Interest for this Delay and waiting and Financial Hardship and Due to this COVID19 which is what XXXX XXXX as well mentioned but still neither party has resolved this issue. PLEASE ASSIST!
Product: Credit card or prepaid card

In XXXX I and my husband, we were in a hardship situation. My husband lost his job. I was not working that time due to XXXX  XXXX. We were unable to pay our credit cards on time, but I was every time calling the companies to let them know about the situation that time. They were calling us many times a day. We decided not to answers to their calls. It was painful and frustrated for us. We were stressed. In XX/XX/XXXX, I found a job that fit with my condition. All the money I earned that time allowed us to pay our rent, the car insurance and our car with XXXX XXXX XXXX. We did not want to lost the car. In XXXX my husband found a stable job where he is until today. In XXXX the financial situation improved we decided to pay the debts we had. Almost all accounts were sent to collections. Were paid as agreed with the collections agencies we paid every thing. We asked to forgive us, because we were not able to pay monthly as agreed. Most of companies removed our accounts from serious delinquency, PNC BANK, XXXX XXXX AND XXXX 'S did not want to do so. The main concern of our complaint is we need another chance. We have stable jobs now and are able to manage our finances. We need your help if those companies can remove those accounts from serouis delinquency. This situation affects us so much we are first time home buyers. Every time we apply for a loan we are not approved because of those accounts on serious delinquency. The credit limitsfor PNC BANK WAS XXXX $ with late it was around XXXX XXXX I had pay according to the settlement around XXXX $ and something. XXXX XXXX XXXX $ credit limit with late fees it was around XXXX $ I have paid according to the settlement XXXX $ and something, XXXX XXXX CREDIT limit XXXX $ XXXX paid XXXX $ and something. We have never wished to lived the situation we had that time. We are asking for forgiveness. We want to have our own place we are at this address for XXXX years. It is time for us to move on. We are ready to have our own place. We have XXXX children. It is going to be nice for them if we move to a new house. 
Name : XXXX XXXX XXXX EMAIL ADDRESS : XXXX Home address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX Note : I have changed my last name. 
The time I had those accounts my full name was XXXX XXXX XXXX
Product: Debt collection

I had paid in full a time share and the company continues to harass me and put a negative mark on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX  XXXX XXXX in XX/XX/XXXX to reporting inaccurate information on my credit report -- - Account # XXXX showing late payments and inconsistencies in both my XXXX and EXPERIAN credit bureaus. 

I explain to XXXX  XXXX XXXX XXXX hereafter XXXX  ) that I never missed any payments with them from XXXX - XX/XX/XXXX and XX/XX/XXXX. I further explained that their online payment system was flawed and did NOT correctly process payments online. Each payment they are showing as " LATE '' was inaccurate and manually paid online or via direct deposit. However, XXXX still reported LATE PAYMENTS. Based on my history of payments, I was NEVER LATE until XXXX  updated their internal systems. 

Looking into my history with XXXX  XXXX XXXX since XXXX, the representative said that she can clearly see that the issue had to be internal because it was a consistent issue with the payment system... 

I was told by the XXXX Representative that ALL LATE PAYMENTS will be removed within 14 days due to system issues as a courtesy and in good faith. 

I'm filing a complaint because XXXX  XXXX XXXX were not honest in delivering it's promise to remove the LATE PAYMENTS in good faith. In contrary, XXXX  XXXX XXXX deliberately falsified it's responses to CFPB. Please see attached documentations which proves that they never VERIFIED nor UPDATED my credit report as they claimed in Complaint # XXXX. 

Furthermore, XXXX  XXXX XXXX violated my consumer rights under the FCRA and NEVER sent me any documentations showing late payment notices. They have also violated my consumer rights under the FCRA, 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report 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.