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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Mexico XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following accounts on my credit report : XXXX XXXX  Bankruptcy XXXX, XXXX XXXX Bankruptcy XXXX, XXXX XXXX Bankruptcy XXXX, XXXX XXXX XXXX Late Payment Account XXXX XXXX, Charge Off Account XXXX XXXX XXXX, Charge Off Account XXXX XXXX, Charge Off Account XXXX XXXX, Charge Off Account XXXX XXXX, Charge Off Account XXXX XXXX, Charge Off Account XXXX XXXX XXXX, Charge Off Account XXXX XXXX XXXX, and Charge Off Account XXXX XXXX XXXX. 

I would like to point out that the XXXX XXXX Bankruptcy was XXXX, and I have taken steps to rebuild my credit since then. I am aware that these accounts have negatively impacted my credit score, and I am actively working to improve it. However, some of the information regarding these accounts is inaccurate or incomplete. 

For example, the Late Payment Account with XXXX should have been removed from my credit report as it was a mistake on their part, and I was never late with payments. The Charge Off Account with XXXX XXXX was included in the bankruptcy and should not be reported separately. The Charge Off Account with CREDITCD/FBT was settled and should be marked as such. 

I would appreciate it if you could investigate these accounts and correct any errors or inaccuracies. I have attached relevant documentation to support my dispute. Please let me know if there is any further information you require from me. 

Thank you for your attention to this matter. 

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

XX/XX/21 It all started on this date, with a deposit of {$490.00} and that {$490.00} became more than {$1500.00} from that moment they froze my account without letting me use my account and the worst thing is that I feel robbed by this company they have blocked me since that date without letting me use my funds, We are talking about thousands of dollars, I am desperate
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXXXXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please REMOVE to my credit report the FRAUD ALERT I did not authorize anyone to add it to my report, kindly remove it ASAP.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of consumers below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX, TRANSUNION, XXXX have violated my rights. 
THE ADDRESSs : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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. 
I demand these addresses be removed immediately with an updated copy of my report mail to me for conformation.
Product: Debt collection

Kimball Tirey St John are not licensed to collect this debt in Utah. On top of not providing proof of the debt they are not licensed to collect.
Product: Credit reporting or other personal consumer reports

Experian has failed to properly investigate my credit disputes, violating the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I submitted disputes for XXXX incorrect accounts on my credit report from XXXX XXXX XXXX ( partial account number XXXX ). Despite my disputes, Experian refused to remove these inaccurate accounts and did not provide a valid explanation of how they verified the information. On XX/XX/year>, I received a response stating that the accounts would remain on my credit report without further justification. 

XXXX actions violate FCRA 611 ( a ), which requires them to conduct a reasonable investigation of disputed information. I also have the legal right to request the Method of Verification ( MOV ) under FCRA 611 ( a ) ( 7 ), yet Experian has failed to provide any details on how these accounts were verified. Their refusal to correct these errors is harming my credit score and financial standing.
Product: Debt collection

Unfortunately, I co-signed for a car loan for my niece which she defaulted on. I had made most of the payments, but then lost my job during Covid & stopped paying her debt. The car was repossessed. I received a settlement offer on XX/XX/XXXX. I called Santander & was told as long as I paid the exact amount the debt would be discharged & my credit report amended. On XXXX XXXX  I sent the exact amount ( XXXX ) to Santander Consumer USA via ACH. I never received notice regarding this transaction & considered the matter closed. On XX/XX/XXXX, I received another settlement offer stating I had a balance of XXXX & they would accept XXXX to settle this debt. I called them & stated the payment had been made in XXXX & they said they would correct this error, but to date, I have not received any communication to this effect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have absolutely no idea what these accounts are, I have never opened a account with these creditors and want this removed. I have notified my local Police department ( XXXX XXXX XXXX sheriffs ) of these fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts In my previous CFPB report to Experian it was claimed that they had sent the information to the credit issuers in question that I sent a FEDERAL AFFIDAVIT of, but I have spoken with XXXX XXXX, and they have told me this is false that they have not received a thing, also I have this in writing from final.
Product: Consumer Loan

We have a car loan with Gateway One Lending and Finance. Due to our financial situation, we pay late almost every month, not 30 days late but late. Gateway will call me. I explain that they payment has been scheduled with our bank bill pay system, the date it will leave our bank and how much the payment is. They will take the information, thank me and advise that they will follow up. The next day, they will start calling at XXXX. They will call me, my husband, my work, my parents and email me multiple times. If they speak to anyone other than me, they claim they have never spoken to me, have been trying to reach me for weeks or claim that I promised they would have received payment already when that is not the case. One month after we had switched bank I tried to make a payment on their site and entered the info wrong so it was returned. I spoke to them and explained it was my error, and that my bank bill pay would send the money in the next day. They told me someone was on the way to repossess my car and the only way to stop it was to make a payment with them on the phone immediately. They also said they could not accept bill pay from banks so any payment sent that way would take weeks to post ( It takes 3 days at most ). Almost everyone that we speak to is incredibly rude.
Product: Debt collection

I was a member of XXXX XXXX since XX/XX/XXXX as l was employed by XXXX XXXX XXXX XXXX XXXX and since l retired on XXXX XXXX on XXXX XXXX Lifetime in XXXX.California. 
All Medical visits was paid by ex employer XXXX. 
XXXX XXXX in California has sent me to collections and ruined my credit and scores with XXXX.XXXX and XXXX. 
XXXX has me in collection for {$180.00} with interest and charging me interest of {$8.00} each month l do n't pay. 
I had a Medical number with XXXX California # XXXX. 
I am on XXXX XXXX Lifetime and Retired. 
I am on Prescribed Medications for my XXXX XXXX.
Product: Debt collection

Hi, My name is XXXX XXXX. I applied for a Mortgage on XX/XX/XXXX. My credit score was XXXX and my husband and I decided to wait until interest rates went a little lower before we moved forwarded. I called my loan officer on XX/XX/XXXX and we needed to pull a new credit report since it was pulled over 4 months ago. Once we re-pulled credit, we were advised we had 2 new medical collections that reported on XX/XX/XXXX for a total amount of {$1800.00} and my credit score dropped to a XXXX. I have had access insurance for many years, and they always pay my medical bills. I called the collection company, and they said it was from XXXX. I have lived in my same house for 5 plus years and have had the same phone number and no one has called me to discuss this collection, nor have I received any communication regarding this debt. I feel if this was a legitimate debt, I wouldve been notified. 



I called them and they said they want me to go on payment plan for {$100.00} a month, if I agree to this, they will delete this debt. I dont feel this is accurate as my insurance company has always paid my medical debts. Can you please review this as I know my medical insurance wouldve paid for this. Please let me know if you have any questions. 



Thank you, XXXX XXXX My contact information XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ, XXXX XXXX
Product: Credit card

There are XXXX issues with my Chase Mastercard. 
There were a series of non requested upgrading of my card that resulted in charges and eventually fines for a service I did not requested. This affected my credit rating. 
From XX/XX/XXXX to XX/XX/XXXX I had monthly non authorized charges for purchases I did not make, and my account was penalized for overdrawn because I did not pay this illegal charges. Eventually Chase Mastercard made some refunds but they immediately withdrawn supposedly to pay new purchases from the same company whose charges were not authorized. 
As result of this illegal practice I was reported to the credit bureau and received a bad score that seriously affected my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX  XXXX XXXX  XXXX Balance : {$18000.00} XXXX  XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX Balance : {$650.00} XXXX  XXXX XXXX XXXX : {$210.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$18000.00} XXXX  XXXX XXXX XXXX Balance : {$71.00} XXXX XXXX XXXXXXXX Balance : {$330.00} XXXX  XXXX XXXX Balance : {$340.00} XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX  XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00}.
Product: Debt collection

I checked my credit report and in collections there is a company ive never heard of called West Bay Acuqisition which I looked up and they said its a scam collection. It says it was XXXX XXXX 2015 which I do not recall any charges for XXXX dollars. I want this off of my credit report or something that shows me that I did make a purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

A company named possible finance Inc has a fraudulent account listed on my credit report in the amount of {$430.00}. They can not be reached by phone on by email and no way to speak to representative to dispute and get removed due to fraud.
Product: Checking or savings account

CapitalOne reported issues receiving ACH payments, which prevented me from receiving my paycheck in a timely manner. However they took out money from my account for my payments resulting in a negative balance and overdraft charges.
Product: Credit reporting or other personal consumer reports

I was notified of a hard inquiry on my credit report and received a call from XXXX XXXX XXXX XXXX  inquiring as to whether I applied for a credit card and I did not.
Product: Credit card or prepaid card

Citi and I made a deal in XXXX  to pay card balance. Which I paid the balance to XXXX. XXXX  years later Citi has put a balance on my account for the amount they took off balance in the terms of the XXXX  deal Citi never sent me anything to notify me of this wrong charge. They just did it XXXX  years after I paid account off. Ive never got a statement from citi or any letter all they did is put this secret $ on my account and then hit my credit report for XXXX and XXXX  days late.we made a deal. Citi is doing this maliciously. Just notify me dont bang my credit without my knowledge. They have my address. I dont owe them anything. They made a deal they took about XXXX $ off my balance and it was paid.
Product: Credit reporting 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.

XXXX XXXX XXXX. Account ending in XXXX, XXXX XXXX XXXX account ending in XXXX, ACCT XXXXXXXX XXXX XXXXXXXX XXXX account beginning with XXXX posted on credit report agencies has violated my rights 15 U.S.C 1601 15 U.S.C 1681IB 15 I.S.C 1692C has all been violated 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: Mortgage

we behind payments because of utilities are up and unexpected house repairs we try to reach out and seek loan modification but unfortunately they will keep saying that the loan modification papers are incomplete we keep updated our papers but still same things happens keep sending we reach out for mediation and we have hearing with with the meditation judge and XXXX   XXXX XXXX which represent PHH mortgage which advice us to send complete package again to hold the foreclosure date they acknowledge or receive the papers and under review but the next day XX/XX/2019 i receive email again that they will not review our modification papers because of the of insufficient time which is unfair to us because we do our best to forward the loan modification papers on time
Product: Mortgage

XXXX   XXXX ,  XXXX  Specialized Loan Servicing LLC  XXXX .  XXXX   XXXX   XXXX , CO  XXXX  Dear  Sir/Madam, You  continue to send me information re : research but have not updated my account to reflect the information provided to you by  XXXX  who sold you the loan.  XXXX  sold my loan to SLS and I am paid until  XXXX   XXXX . SLS does not acknowledge this and continues to mark my account past due.  XXXX  has provided the information  3x pe r my request and still no change in my account status or SLS acknowledgement in violation of RESPA.  ( 12 U.S.C. Section 2605 ) An SLS representative called the w eek of  XXXX  and informed me that SLS is aware that I am paid until  XXXX . I requested this in writing but as of  XXXX  have not received this acknowledgement and there is no change to my account status. Am I to assume you will not honor the account status relayed to me by phone on  SLS  continues to send information to the wrong address ( see attached notices ). My correct address, which I have sent to SLS via official  XXXX  notification and which  XXXX   ha corr ectly noted, is :  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , GA  XXXX  Contact dates and times. All calls are recorded :  XXXX / XXXX / XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX    ID #  XXXX  Received RESPA notice on  XXXX  which SLS has already violated  XXXX   XXXX  ID #  XXXX  No name ID #  XXXX   XXXX   Executive Ser vices says they do not have information that I am paid until  XXXX   XXXX  Was told my rep that there wer e hundred of loans sold to SLS that SLS has not processed correctly and for whi ch they have no information.    XXXX   XXXX  no ID # Requested welcome letter and payment notice and received information on an Automatic Payment Program  XXXX  Requested  XXXX  send another payment history to SLS  XXXX  The most thorough call where details of the account were discussed  XXXX ,  XXXX  automated calls with no change in status Received a notice that research is being performed on the account. Research for 2 months when the information was provided by myself,  XXXX , and I was told research was being conducted on  XXXX / XXXX / XXXX ?    XXXX  A notice that {$570.00} is due to bring my account current, but my account is paid until  XXXX   XXXX  per the information provided to SLS by  XXXX .   The statement received shows a past due amount of $ {$420.00}, but I am paid until  XXXX   XXXX .     SLS is sending notices that they are researching while sending statements that my account is past due, when I am paid until  XXXX   XXXX .      XXXX   XXXX   XXXX  Account #  XXXX  Consumer financial Protection Bureau #  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In spite of absolutely NO negative activity on my credit reports and maintaining excellent repayment of my debts, I found my credit scores on Transunion and XXXX dropped from approximately XXXX to XXXX for Transunion and XXXX for XXXX with no explination available. I have looked through all the factors impacting my credit on the websites and found no reason for this negative action on their behalf. 
I started this year with incredibly expensive dental bills totalling {$10000.00} that I put on credit and have been paying. This should not be an indicator that I'm no longer a good risk when I have been paying in good faith! In fact, XXXX decided that I'm so responsible that they recently raised my limit from {$17000.00} to {$22000.00}. 
XXXX is still showing a XXXX credit score as of XX/XX/2022 with a FICO score XXXX of XXXX. 
I have no way through their websites to request an investigation into this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my personal information exposed in several data breaches including the XXXX data breach, the XXXX data breach and the door dash data breach. After obtaining a copy of my credit report months ago and noticing fraudulent accounts opened in my name, i have tried contacting and disputing the fraudulent accounts but have received no action. I have been severely impacted due to these unfortunate events.
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 rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Mortgage

I have reciepts for all payments made for the following year XX/XX/XXXX to XX/XX/XXXX and the ditech paperwork doesn't correspond to my money orders. they cashed money orders that were not intended for them and caused my insurance to laps so i had to get my own. thats around the same time when they filed for bankruptcy now all of a sudden they say i owe them more money than i was supposed to pay. my account is a set account to never change. now i get a statement saying my payments have changed. i have my own accurate records and am paying my payments continuosly. i have never missed any payments since i purchased the home in XX/XX/XXXX. when ditech filed bankrupcy in XX/XX/XXXX. i  have been trying to resolve this problem for the entire year. but, They refuse to work with me or even refund all of the insurance payments that i payed. i have proof of all my payments. please help me to resolve this issue. their records do not match reciepts that i have sent and even the billing statements that they have sent me dont match. they even went as far as cashing money orders that did not belong to them they were intended for the insurance part of the loan. i have all money orders and paperwork to prove that i that i am in the right and can provide proof. the money orders were cashed but not applied to my account or the insurance payments there are a total of seven money orders that are missing in action and not accounted for all money orders were XXXX and under were intended for the insurance payment to XXXX XXXX XXXX XXXX XXXX they never received the money orders. i dont understand how they messed up my account. and how i am at fault and i feel that they have made a very big mistake. i also feel they are trying to scam me thinking that i dont have the proof proof.. i have everything needed to prove that i am in the right. i would like to know what i can do to correct this problem.
Product: Debt collection

I AM UNAWARE OF THIS DEBT. I DID NOT HAVE THE OPPORTUNITY TO DISPUTE THIS DEBT. I DID NOT RECEIVE PROPER NOTIFICATION. IF IN FACT YOU BELIEVE I RECEIVE PROPER NOTIFICATION. PLEAE PROVIDE THE CERTIFIED MAIL WITH THE RECEIPT WITH MY WET SIGNATURE ON THERE STATING I RECEIVED IT.

Please REMOVE and DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 

HUNTER WARFIELD ( Original Creditor : XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was breached in XXXX  data breach and I was contacted by a debt collector that I have never done business with so decided to research it some more. I had all my reports pulled and realized there is multiple accounts that don't belong to me. I filed a police report, an identity theft report, contacted the companies, and filed disputed with all 3 major bureaus with supporting documents sent to them. They have not fixed the problem and I should not be held liable for accounts that don't belong to me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX Account 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

first progress credit card shows 30 days late for the month of XX/XX/2021. This information is not reporting correctly. I have never paid late. I told Rep that the first time i seen this report on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a hard hit on my credit and the institution making the inquiry is not identified. I called the number provided in the inquiry details and was told XXXX only provides the software they do not do the inquires. Called TransUnion the service reporting the inquiry and can not understand who was speaking and they could notunderstand me. 

Whoever, makes an inquiry on my credit should not be incognito or without my knowing before hand.