23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Debts were incurred to XXXX around 15 years ago. The total claimed is around {$41000.00}. The debt has never been affirmed or refreshed. To the best of my knowledge, no judgment was ever obtained. Even to the extent that it had, then it would have expired long ago. However, the company ( national recovery center, inc. ) is now attempting to collect this debt. ( note, i submitted an earlier complaint against National Recovery. that name was incorrect, and this complaint corrects that mistake ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed XXXX XXXX Bankruptcy in XXXX and this account was included. It was removed from my credit report along with other accounts that were discharged. 
Somehow the negative account was placed back on my credit. On XXXX I reached out to BMW Financials and advised This account was discharged in bankruptcy and was put back on my credit report erronneously. Please remove as it is having and extreme negative affect on my credit. Any consideration is greatly appreciated. 
As of today, XXXX, I have not received a response and the derogatory account is still listed and damaging my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying the reporting agency is right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me. I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C. Sec. 1681 ( a )? I heard that if you can not provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.
Product: Checking or savings account

On  XXXX   XXXX ,  2017, CITI Bank passed a check through our account that had had the recipient name and policy id number on the check altered. It had been made out to our home owners insurance company and had been " fished '' out of a postal box on the street. A person  's name was put in place of the insurance company and the policy number altered to a credit card number. The check was then cashed at another bank. This we discovered, when we were notified on  XXXX   XXXX ,    2017  that the insurance company had not recieved payment. Going to the bank and working with the then ban k manager, the alteration was discovered, and we were given a copy of the altered check. We submitted a form with the manager that was to go to the fraud division to be looked into. We were told that the money would be put back into the account within a 30 day period, but that the fraud division had up to 90 days to complete their work. As of today there has been no effort by CITI to advise us as to whether they have completed their case work, even though we have gone into the local branch often to discuss the matter. There was, about two weeks ago, an offer to give us the money back provisionally. This means that if the fraud division does not agree that it was fraud, we would have to return the money. We refused that because the check clearly shows two disti nct handwritings, and when asking questions of the Postal Service, they acknowledged that " fishing '' is an ongoing problem a nd that street postal deposit boxes were being removed and were to be replaced. The box that the check was removed from was one of the boxed that was removed from the street. We have spoken to a CITI regional bank manager who was to have straightened the matter out, and then silence. We have written to the CEO of CITI and again silence! We feel like they would like to wait us out and hope that we will go away. That ain '' t happening! D ealing for years with a local bank in New Jersey there were problems which arose, but when they did occur, were handled promptly and properly. Today, because the banks are so big, and we little fish in their ponds, we are, whenever there is a problem, generally ignored!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Credit bureau reported me delinquent for {$400.00} XX/XX/XXXX. XXXX originated with XXXX. XXXX was transferred to Security Credit Services ( SCS ) who turned me in for collection. Contacted SCS XX/XX/XXXX and communicated with XXXX XXXX who eventually sent me the contract which I received XX/XX/XXXX. This was a lease/purchase for an I-phone initiated XX/XX/XXXX. XXXX showed my name, date of birth and social security number. The email address was unknown to me. There was no residence address provided. Recurring payments were taken from my checking account via my debit card from XXXX through XXXX XXXX XXXX XXXX XXXX. Received new debit card for other reasons which halted payment. Informed SCS this was a fraudulent transaction. They removed me from collections pending outcome and suggested I contact XXXX. I reported this fraud to XXXX XXXX XX/XX/XXXX but haven't received a response. I've never used XXXX, I did not make this purchase, and I did not receive any product. Please assist with clearing this debt and, hopefully, recovering the lost funds. Thank you!
Product: Credit reporting or other personal consumer reports

I have a collection from XXXX XXXX on two report showing different amounts and a collection from XXXX XXXX also showing different amounts. I have disputed this a number of times and it has not came off or have the updated the info to prove it is valid.
Product: Mortgage

My identity was stolen in XX/XX/2017. It created financial hardships. However I was careful not to go past 30 days on mortgage payments. Then Hurricane Harvey XX/XX/XXXX and flooded my homestead with 32 '' and hit my second home in XXXX XXXX. I lost my complete office at my home and everything was in disarray. Total of both claims was approx. XXXX My credit report reflects I was late on my homestead and second home during XX/XX/2017, the month of Hurricane Harvey. I have asked for forbearance but the man just said payments are due first of month and I should have made the payments before the flood. He was very calloused and personal. 
I have sent Prosperity Bank copies of the XX/XX/2017 Sheriff 's report and Prosperity is very aware of the large FEMA claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 an account without my written instructions.
Product: Debt collection

Was lied to about the payment and what the payment was. Harassing calls XXXX-XXXX -XXXX+ collection calls. 
Family members began to complain about the harassing calls that came from this company. XX/XX/XXXX I began to answer calls from this company about my debt. Talking with this company I was told that the payment they wanted was a settlement for my account. I talked to Williams and Fudge XX/XX/XXXX about settling my debt and what they would do to my account. They told me since it's a settlement it will clear my account and it would be off. On XX/XX/XXXX I made the payment and was told the payment would post to my account in 20 days and I would receive receipts via email I never got. XX/XX/XXXX more than 20 days after I payed my settlement my account has not been cleared. Instead of it being a settlement like I was told they used it as a payment towards my debt. When I called Williams and fudge on XX/XX/XXXX they said that it was a miscommunication and that it was not their fault my family and I received calls at XXXX-XXXX. when I waited for the time they told me it would take said I waited too long to call and was treated like I was the one at fault
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in REMOVING a piece of the info in my credit file that resulted from FRAUD, but I still have ITEMS passed on that should be removed or blocked. According to FCRA section 605, you must destroy any records found on an ID THEFT REPORT. I remembered this report from a previous letter and am including it again. I've informed my lawyer of my intentions, and they are eager to hold you accountable for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$46000.00}  ; XXXX XXXX XXXX Balance : {$94000.00} ; XXXX XXXXXXXX Balance : {$8300.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$130.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

CHRYSLRCAP should not be reporting a late payment to XXXX ; XXXX and XXXX on partial account number XXXX. I called Chrysler and specifically made arrangements to defer a payment without penalty due to a financial hardship resulting from COVID-19. The representative I spoke with at Chrysler specifically stated that my account would not be in jeopardy, that I was eligible to defer a payment and that no lates would be reported to the bureaus. The representative with Chrysler misled me and unfortunately the deferred payment I was told I was eligible for did in fact report negatively on my credit report as a late. I have tried to get back in touch with Chrysler as well as contacting the bureaus to remove this late however, I have not been successful. This false reporting of a late is seriously harming my credit score and this late needs to be removed from my credit report.
Product: Credit card or prepaid card

I got a credit card from Capital One that had a 0 % APR on new purchases for a certain number of months. The statements do not show when the 0 % APR expires. I have to call them to find out. I called just now because I though it might be expiring soon, and I learned it expired last month. I also have a card from XXXX XXXX with a promotional APR, and it says clearly on the statement when the rate expires.
Product: Debt collection

I have a vehicular loan with Ally financial inc, they are calling me regarding a XXXX XXXXXXXX XXXX and are attempting to collect a debt. Operating as bank holding company and debt collector is illegal and they are violating the fdcpa
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXXXX/XX/2023 XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  # 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
Product: Credit reporting or other personal consumer reports

Transunion deleted this fraud account from my credit profile a couple days ago now added it back. This is illegal I was a victim of Identity Theft and the XXXX data breach this account along with the 4 other hard inquires should be removed immediately Transunion is conducting sham investigations. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX IL XXXX XXXX TransUnion LLC XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX Subject : Dispute of Fraudulent Account XXXX XXXX XXXX Dear TransUnion, I am writing to formally dispute the inclusion of an account with XXXX XXXX XXXX on my credit report. This account is fraudulent, as it was opened without my knowledge or consent, and is the result of identity theft. I suspect this may also be connected to the XXXX data breach, which exposed my personal information to unauthorized parties. 
Details of the Disputed Account : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Disputed Amount : XXXX Supporting Documentation : To support my claim, I am providing the following : 1. A copy of my FTC Identity Theft Report, which details the fraudulent activity.

2. A copy of my government-issued ID and proof of address to verify my identity.

Legal Basis for Dispute : Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or fraudulent information on my credit report. Additionally, credit reporting agencies are required to investigate disputes within 30 days and remove accounts that can not be verified as legitimate. 
The exposure of my personal information during the XXXX data breach further highlights the likelihood of identity theft in this case. I urge you to take this matter seriously and act promptly to remove the fraudulent account from my credit file. 
Requested Action : 1. Conduct a thorough investigation into this account. 
2. Remove the XXXX XXXX XXXX account from my credit report. 
3. Provide written confirmation of the results of your investigation. 
If you require additional information or documents, please contact me immediately at XXXX or XXXX. 
Thank you for your attention to this matter. I trust that you will handle this dispute in compliance with federal laws and your obligation to ensure accurate credit reporting. 
Sincerely, XXXX XXXX
Product: Consumer Loan

We paid the last payment ( XXXX/XXXX/XXXX ) on our Hyundai Finance Account for our XXXX Elantra. We have made at least 3 calls to find out where our title ( lien release ) is. The customer service person said they sent it to our old address, which has been off our billing paperwork since XX/XX/XXXX. I asked Hyundai to re-mail the paperwork to the correct address. ( which I gave them ) I am still waiting for my lien release and our overpayment taken from our bank account.
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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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

I disputed incorrect reporting on my credit report and did not receive a timely response. Please remove incorrect report on my report immediately. The incorrect reporting is hurting me severely.
Product: Credit reporting or other personal consumer reports

[ WELLS FARGO BANK NA ] [ XXXX XXXX XXXX, XXXX XXXX, California, XXXX ] IN REGARDS TO Account number XXXX, I am writing to bring to your attention a serious violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). It has recently come to my attention that your institution has erroneously included information regarding my line of credit utilization which depicts my experience with your Financial Institution in my consumer report with all consumer reporting agencies including [ XXXX, XXXX, XXXX ]. 
In accordance with 15 U.S. Code 1681a, The term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; As per the FCRA regulations, transaction and experience information related to a line of credit with a financial institution should not be reported to consumer reporting agencies. However, I have discovered that my utilization of the line of credit with your institution has been reported adversely affecting my consumer report. 

I demand that you take immediate action to rectify this violation by updating the utilization reported to consumer reporting agencies to reflect 5 % or below, or alternatively, delete the utilization information altogether. Failure to comply with this demand within [ 10 Business days ] will result in legal action to enforce my rights under the FCRA. 

Please be advised that under the FCRA, consumers have the right to accurate and fair credit reporting. Any failure on your part to correct this matter may result in severe consequences, including but not limited to statutory damages, punitive damages, attorney fees, and injunctive relief as provided for under the law. 

I trust that you will take immediate action to rectify this violation, prevent any further harm to my credit standing, and continue our nonpublic transaction and experience. I expect a response from your institution confirming the corrective measures taken within the specified timeframe. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

When using XXXX i was under the impression that the ppl phone number was linked to the XXXX account and money was sent but not received
Product: Debt collection

I trust this letter finds you well. I am writing to address a matter of concern regarding my credit report, specifically the presence of late payments that I believe are inaccurately reflected. I am seeking your assistance in rectifying this issue promptly. 
Upon thorough review of my credit report, I have observed instances of reported late payments that, to the best of my knowledge, do not accurately represent my financial history. I am attaching supporting documentation, including proof of on-time payments during the periods in question, to substantiate my claim. 
XXXX XXXX XXXX XXXX I understand the importance of accurate credit reporting and its impact on my financial standing. Given the potential consequences of these inaccuracies on my creditworthiness, I kindly request that you conduct a comprehensive investigation into the reported late payments. Subsequently, I urge you to take the necessary steps to either remove or correct the information on my credit report. 
To ensure transparency and keep me informed throughout this process, I request regular updates on the status of your investigation and any actions taken to address this matter. Your prompt attention to this request is highly appreciated, and I look forward to a swift resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I noticed personal information that did not belong to me. On XX/XX/2022 I sent letters to all 3 credit reporting agancies letting them know it was false information. Experian did Not remove the false information while XXXX and XXXX found it false and removed it. I sent second letter requesting that they remove the information on XX/XX/2022. Then a third on XX/XX/2022. Experian has failed 3 times to remove false information from my credit report.
Product: Debt collection

Kohls is bordering on harassment calling me 6\7 times a day. They want me too pay for a mistake that a worker made with my credit and now they want me to pay for that mistake. Well I 'm not paying for someone else 's incompetence.
Product: Debt collection

I believe the account is invalid. XXXX XXXX XXXX needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. 

RADIUS GLOBAL SOLUTIONS LLC, Original Creditor : XXXX  XXXX N.A Reference # : XXXX
Product: Mortgage

I am XXXX. I need an advocate to assist me in obtaining my interest in the fathers estate. My brother, XXXX XXXX XXXX, was named as executor of my fathers estate, The estate of XXXX XXXX XXXX XXXX Attorney XXXX was assisting my brother in Michigan XXXX My brother was also receiving help from an attorney, XXXX XXXX, Attorney XXXX XXXX of Georgia because my father died while living in Georgia. To the best of my knowledge my fathers estate is without oversight. The assets were in a variety of financial instruments in excess of {$12.00}, XXXX. I need assistance to fairly and independently sort through and finalize my fathers estate. My only desire is to ensure the trust be divided equitably divided among the beneficiaries. I have copies of all the critical communication among the siblings. The accounts originated from within XXXX XXXX out of Georgia and then transferred into Wells Forgo in Michigan. I also have critical communication between XXXX and both XXXX XXXX and XXXX XXXX regarding the my fathers estate. Thank you XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I will include in my next email XXXX XXXX XXXX XXXX Michigan XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX