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

Here is the letter that I sent to Equifax on XX/XX/XXXX of this year. I did not get a response, and my credit report is still inaccurate. 

Dear Equifax, I am writing to formally dispute inaccurate information on my credit report related to the account listed above with XXXX. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is 100 % accurate and verifiable. 
The account in question has never been late, and I have maintained a perfect payment history. However, the account is being reported negatively by Equifax, while both of the other major consumer reporting agencies reflect a positive account status, XXXX late payments, and a 100 % on-time payment history. The presence of late payments or other negative remarks on this account violates the permissible purpose clause of the FCRA, which mandates that my credit report must reflect accurate and truthful information. 
I request that you promptly investigate this matter, verify the information with the creditor, and correct any inaccuracies associated with this account on my credit report. Please provide me with written confirmation once this issue has been resolved. 
This is not a deletion request, but a correction request. 
I have provided you with an exhibit that shows you the inaccuracies on my consumer report. The difference are circled. XXXXPlease see page 2XXXX Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

I AM WRITING IN REGARDS TO CREDIT CONTROL LLC WHO IS ATTEMPTING TO COLLECT A UNKNOWN DEBT OF {$760.00} AND CONTINUALLY HARRASS ME VIA MAIL AND CALLS, CREDIT CONTROL LLC HAS BROKEN MULTIPLE FDCPA LAWS WHICH I WILL ATTACH.CREDIT CONTROL LLC HAS CONTACTED ME VIA MAIL ON XXXX I AM SEEKING {$13000.00} WORTH OF VIOLATIONS PURSUTANT 15 USC 1692k I HAVE 13 FDCPA VIOLATIONS.
Product: Checking or savings account

My XXXX was stolen from me while shopping at XXXX XXXX by one of their store employees, After realization i immediately placed my phone in lock down mode XXXX XXXX XXXX  and was later contacted by the thieves demanding cash for return. After i got my phone back i seen money was stolen via XXXX XXXX and immediately contacted my bank ( CHIME ) to open a dispute! I sent in ALL SUPPORTING evidence including emails from XXXX confirming dates and times my phone was placed in locked down mode alining with my dispute case! Contacted chime days later and was first told i would receive a credit by XX/XX/year> but then i conveniently get a email of denial? Now im out of {$580.00}!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to work this out with certified letter to credit bureau. The items do not belong to me. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I am asking for my signature on these documents or proof that items belong to me.
Product: Debt collection

Im waiting on disputing this account in question. This balance in question is due to unforeseen circumstances with the apartment not giving us a proper place to stay since it was mold in our apartment and we had to live there. We have multiple pictures of pie busting and messing up the walls along with mold through out the apartment. I have proof of pictures of the apartment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am continually being called on the telephone by this agenvy over an alleged debt. I am requesting validation of this debt.This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. 
I am sure that I settled this account before because it was not mine. This account was taken care of with original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.
Product: Mortgage

I applied for a loan modification on XX/XX/2020. My modification was denied because my income wasn't sufficient. I'm widowed and I'm XXXX years old. 
After that covid-19 hit and I was unable to look for work because of the lockdown we were imposed by XXXX in XX/XX/2020. I applied for forbearance and was granted 3 months. Ever since then I've reapplied for an extention multiple times but I never get a response. I reapplied this month but again I never received a response. I've been borrowing money to make my mortgage at times and I now owe friends and family a lot of money and my resources are running out. 
I owe about {$98000.00} on my loan and my home is worth over {$200000.00} but they say I need more income to modify. I was paying {$710.00} monthly. I have limited resources and I'm unaware of any programs other than getting my loan modified. I've lived here almost 40 years and this was my first home I ever purchased with my deceased husband. I don't want to lose the only home I've owned my entire adult life. I really need help with this issue.
Product: Mortgage

in XX/XX/2020, i had storm damage at my home where approx {$50000.00} in damage was done to roof, chimney and some interior damage. home owners insurance issued 3 checks made out to me, the public adjuster and carrington mortgage. we were told by carrington mortgage to send the claim checks to them unendorsed, which we did overnight. several weeks later after not having any correspondence from carrington, i called and finally spoke to someone who told me the checks were sent back to me for endorsements. i scrambled and got to the public adjuster who endorsed the 3 checks with me and we again sent them to carrington mortgage services overnight express mail. several more days went by and i started caling them every other day and got different stories from some people at carrington, some were helpful, some were not. as of today, i still have XXXX  funds from them. they claim they approved one check for {$4800.00} which is half the chimney invoice. the roof and chimney are completely repaired and now the contractors are pressuing me to get paid. i spoke with my " file owner '' a couple times and each time i do, he states some document is missing, etc. they have had this claim in their hands since XXXX. im not sure why they are just finding out items are missing. more work needs to be done inside the home but i have no personal funds left as i gave the contractors some funds to keep them happy,. please help me. i dont know what else to do.
Product: Debt collection

Hello, I have a problem. Recently back in XX/XX/XXXX I tried to open a local bank account with XXXX XXXX. I was denied So I questioned what was on my report that caused this. I notice many accounts in which some I recognize and some which i do not recall, not that they could n't be mine I just have no record of it and do not recall having said account. This is an account i do not recall but have tried to settle it with the third party reporting it on my credit and the original creditor. I have recently mailed multiple letters to the Third party Company LVNV FUNDING LLC at mailing address XXXX XXXX XXXX XXXX, SC XXXX. My first letter was on XX/XX/XXXX where I requested the amount owing for this account in exchange for the exchange of the original instrument of indebtedness in its original form. I wrote LVNV Funding again on XX/XX/XXXX because I had received a response from the original creditor. But in my letter dated XX/XX/XXXX to LVNV I offered again to settle the account immediately upon receiving a copy of the original instrument of indebtedness in its original form. I still had received no response.I wrote another letter to LVNV Funding on XX/XX/XXXX since I had not received a response to my initial letter. I again offered to pay this account upon receiving the original instrument of indebtedness. I still received no response to date. But this alleged account continues to be reported on my credit in a collection status which has made me not being able to qualify for a pre-approved Va home loan. I have also contacted the original company via USPS mail on XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, in which each letter I offered to settle this account immediately but on each response from the original creditor ( XXXX XXXX XXXX ) which i received on the following dates XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX. In the letters received XXXX XXXX either referred me to LVNV Funding LLC or told me they do not need to provide any information pertaining to this  account and again referenced me to the third party company. I have also sent all communication to the 3 credit bureaus in order for them to obtain facts from these companies ln which all have returned their investigation as this alleged account being correct and verified.
Product: Checking or savings account

In XXXX and XXXX XXXX mail was stolen from the mailbox of XXXX XXXX XXXX in XXXX, MA. The mail included multiple personal checks that church members were sending in as offering donations. The total amount of checks stolen was around {$10000.00}. 

TD Bank accepted all of these checks for deposit at XXXX of their ATMs. These checks were deposited into an account that was not named on the checks. TD Bank made no effort to ensure that the individuals depositing the checks were the people the checks had been written to. They did not check ID or match the account to the checks. It is unbelievable to me that a bank would cash a check like this and that their internal controls are so poor. 

The crime by the thieves as well as the mismanagement by TD Bank was discovered in XXXX and reported to the police. The suspects have been identified. It is my understanding that there is a warrant is out for their arrest. 

TD Bank, however, has refused to return the money from the check that they allowed to be fraudulently cashed despite consistent attempts by my bank to contact them regarding this matter for almost a year now. 

Basically, TD Bank, through having no internal controls at all for check deposits at their ATMs, aided and abetted criminal fraud and refuses to compensate victims for the checks that they illegally allowed to be cashed.
Product: Debt collection

COLLECTOR CONTACTED FAMILY MEMBERS AND IGNORED CEASE AND DESIST.
Product: Credit reporting or other personal consumer reports

This company has been double dipping into my TRUST which is a crime this account was paid on XX/XX/2023 with BUSINESS.CT.GOV Filing number XXXX
Product: Checking or savings account

This bank Capital One has thrown me ( My Account ) out. This bank has locked my direct deposits from transfer to my new bank. An assistant says I has no access to the funds as a get tough policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I filled a dispute with XXXX credit bureau. They modified my dispute on XX/XX/XXXX. On XX/XX/XXXX they claimed my dispute was complete. 
On XX/XX/XXXX I refilled a dispute asking to see their method of verifying the accounts they claimed to have verified. I asked them to include all written verifications. XX/XX/XXXX they marked my disputes complete and closed them without ever sending any verifications for any of the following accounts. 

XXXXXXXX XXXX bank card ... Wrong amount showing written off I paid this in XX/XX/XXXX. I have disputed this account since then XXXX XXXX shows a 30 day late from XX/XX/XXXX, at which time I was in a COVID payment arrangement. I have disputed this multiple times since XX/XX/XXXX. 
My XXXX  XXXX account, XXXX XXXX  account and my XXXXXXXX XXXX XXXX  account are all also in modified payments due to COVID. 
Per the American cares act XX/XX/XXXX these accounts can not be reported late during this arrangement. 

XXXX. XXXX XXXX XXXX XXXX .I sent proof a court deemed the credit card charges at fraud, I sent the court papers to XXXX during these disputes, the account was still verified as accurate and mine, even after the courts deemed it was NOT mine! 

XXXX. XXXX XXXX XXXX not even mine, after some minor investigation of my own I found out it is a business account! I sent proof and it still remains on my credit. I've disputed this account multiple times. 

XXXX. XXXX XXXX XXXX of $ XXXX is reporting open, it is CLOSED and XXXX XXXX  was paid in full in XX/XX/XXXX. 

I have tried disputes and the accounts were not updated, I have asked for proof of their verification method and they closed my case without sending any verification. 
I have included in my disputes the financial hardship I'm enduring due to these inaccurate reportings on behalf of XXXX and they fail to report properly. 

I am asking you to please hold XXXX liable for their actions.
Product: Student loan

I received an email Tuesday, XX/XX/XXXX, XXXX stating : MOHELA recently sent you a bill for a XX/XX/2023 due date. Please note that you are not due for this payment. Payments on federal student loans resume in XX/XX/2023. If you have not made a payment for the bill, please disregard the bill. You are not due for a XX/XX/2023 payment. 

If you made a payment, you can request that we refund it back to you or apply it toward your XXXX bill. The quickest way to submit your request is to log in and submit a Secure Message on mohela.com. 

We apologize for any confusion this may have caused. If you have any other questions or concerns, please dont hesitate to contact us. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I have sent multiple messages about this before, but no response, after one month. I call MOHELA and wait for a representative for hours on end, only to be disconnected each time, in the end. 

I would like the {$370.00} I paid in XXXX toward what I believed would be a mandatory XXXX bill, posted toward my XXXX bill, or another future bill. My XXXX bill was already taken out, due to Auto-Debit payments.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

In the height of the Covid-19 pandemic between XXXX to XXXX, XXXX. I was hesitant, but was assured it was best time to do so, because I was protected by care act for credit cards companies and consumer, I hesitantly consulted a credit/Debt consolidation company from a random mail that was sent to my home. After I paid the fees for their services, I was instructed by the consolidation company to send my payments to them, and NOT pay my credit card bills to my creditors, and was told that consolidation company legal team would take care payments, and if I received any phone call from the creditors give them the company 's legal team contact information. I did not feel comfortable with strategy or approach .It just did not feel right in my soul so I decided cancelled the consolidation company services, by this time American Express the only 1 of my credit cards companies demanded all three ( 3 ) payments immediately of which I complied, shortly after I received a cancellation letter. I called American Express see if my account could be reopen by explaining what had happened and if the information I received was accurate. I am still not sure if my account was unlawfully closed by American Express in the middle of the Covid-19 pandemic.
Product: Credit card

At the beginning of XX/XX/2024, I called Chase about my high minimum payment of XXXX, which I had been paying for over 4 months. The customer service representative told me I had charges through Amazon I was making interest-free monthly payments on. I asked the Chase customer service rep to tell me what they were, and he said Chase did not have a record of what they were, and I had to go to Amazon. 

I called Amazon, and they only had one interest-free payment account that I signed up for which was true, but when I called Chase back XXXX XX/XX/XXXX, they said I had four no-interest plans, and I could not get out of them unless I paid my entire Chase balance off. I never signed up for those interest-free payment plans which ratchet up my credit card balance. ' I have been paying Chase on average XXXX dollars a month. Today I paid XXXX dollars. My average balance on this card runs about XXXX dollars a month. After I took the card off Amazon, I rarely used it. When I asked where my payments were going, Chase told me they were going toward my interest-free payment accounts. 

When I talked to a supervisor at Chase, she said I had to go to Amazon to dispute the interest-free payment plans instead of disputing with Chase. 

. I did not sign up for these accounts that Chase is charging me for, and Amazon has confirmed my claim. I do not know what to do.
Product: Debt collection

On the date of XXXX XXXX I was sent a letter from SouthWest Credit Systems L.P. Stating I owed a debt of {$1500.00} represented by XXXX XXXX trying to collect a debt that was not owed at all. XXXX XXXX XXXX Obligation or other security of the United States defined The term obligation or other security of the United States includes all bonds, certificates of indebtedness, XXXX XXXX XXXX XXXX Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. 

So me knowing this I sent XXXX a letter stating this so Im guessing they XXXX my amount then sold it to southwest credit systems L.P . Which is not accredited to even collect in the state of pa. I will submit the info that shows theyre not a credited also.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom at may concern : I know my right under the Fair Credit Reporting Act. In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 
XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX 15 usc 1681 section 602 A. states I have a right to privacy. 
15 usc 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 usc 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 then records of convictions of crimes which antedates the report by more then seven years. 
15 usc 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: Checking or savings account

We alerted PNC Bank of unknown bank info change that we received via email. We asked to freeze account till we were able to investigate. This account was Owned by myself and joint owner as my father whom I was a XXXX  for. He was deemed XXXX  by an XXXX XXXX that we supplied to PNC. He was on XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. His income was his VA XXXX & Social security benefits. PNC Bank allowed a 3rd party non account owner to access the account & make changes to include drain the account & close it out without our permission. Our sister has been excluded from our family for 30 yrs. She found out my dad was dying and took advantage. We only saw her 3 times in 30 yrs. PNC Bank had no right to take instruction from her & especially after we explained to them of her previous fraudulent attempts. My joint account and my personal account unrelated to this one was frozen. The Joint account was closed by her without our permission in spite of major RED Flags & warnings all over the account by myself & THEIR FRAUD Dept. My dads income was ached in each month with no where to go. We were advised to get Guardianship in addition to our POA. We were awarded Guardianship. My Dad passed away 3 weeks after doing so. We had been put through HELL for 6 months of our lives from PNC 's Negligence while my dad was XXXX XXXX in an unnecessary court hearing XXXX miles away each time on 5 occasions. Yes, we won. However it cost our family approx {$22000.00} in court fees, plane fares, hotels for myself, wife, Mother ( his Spouse ), Brother & his wife. We all lost vacation time at work and had to defend ourselves from a very bad person who was found to be fraudulent as suspected that PNC took instructions from. We have time stamped documentation from PNC 's own data entry to show their coverup & negligence. We also have court awarded and Judge stating very clearly that our sister tried to capitalize on our dads illness for financial gain. PNC Needs to be accountable! We would also like for them to prosecute her for the crime that she committed which destroyed our family when our dad was XXXX. My dad had nothing to do with our sister and her antics. Our whole family would attest to. Please Advise! 
XXXX XXXX XXXX - XXXX