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

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I got an alert that a data breach was found and my info was stolen. I now have a XXXX XXXX XXXX XXXX & a Bank of America credit card on my XXXX XXXX credit report, my identity was evidently used and stolen. Ive lived in XXXX ohio since i was XXXXyrs old n now im XXXXyrs old ... i did not use these 2 strange accounts and they are very recent. Im upset and can provide any info to prove im not guilty of these. I can be reached at XXXX XXXX my name is XXXX..and id like to file a dispute with XXXX XXXX and anyone else for that matter. Now i have to change my password again. Thank you for your time
Product: Credit reporting or other personal consumer reports

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed1666 copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

In this follow up I would like to express my extreme frustration and dissatisfaction regarding the ongoing failure to remove fraudulent items from my credit file, despite so many documented attempts to resolve this issue. The persistence of these fraudulent items is unacceptable and requires immediate and effective action. In regards of my previous attempts to address the fraudulent items on my credit file, they remain unresolved. This ongoing issue is causing significant distress and financial harm, and it reflects a serious breakdown in the processes designed to protect consumers from such errors. Several items on my credit report are outdated and should have been removed in accordance with credit reporting laws and regulations. The continued presence of this information is causing significant distress and financial harm. Through this, I am asking for your assistance to remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$21000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XX/XX/XXXX ; DEPT OF ED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive tried contacting this company several times through mail and CFPB and nothing gets rectified. They keep saying theyve done a full investigation and I keep putting the same numbers back on my credit report.
Product: Debt collection

I received a notice of an attempt to collect a debt from Jefferson Capital Systems LLC which is dated XX/XX/XXXX, it references that I had a XXXX XXXX  account from XXXX XXXX XXXX  and XXXX XXXX and that as of XX/XX/XXXX I owe {$840.00} but also this is the total amount of the debt. The letter states I can contact Jefferson Capital by calling or writing to them by XX/XX/XXXX to dispute all or part of the debt and in doing so they must stop collection on any amount I dispute until they send me information that shows I owe the debt. My concern as of today 's date which is XX/XX/XXXX is that upon checking my credit report with XXXX Jefferson Capital has posted this collection with XXXX and maybe the other agencies as well. The derogatory information was reported to XXXX on XX/XX/XXXX and today my credit score has dropped. 

I find this to be highly unethical on their part since they have not given me the time indicated in their notice to respond whether by writing or calling them. It is my request that they immediately remove this negative information from all XXXX credit agencies asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to all three credit bureaus via phone. I was told that XXXX would be the ones that will need to make the appropriate changes made to update my FICO score. I did receive a response back from XXXX and they stated it is up to the credit bureaus to update my FICO score to reflect all payments that have been made towards my VA loan with XXXX. 

I am asking for my FICO score to be updated to reflect all payments that have been made towards my VA loan. 

Thank you, XXXX XXXX
Product: Credit card

I applied for a banana republic credit card when I went to XXXX to buy some clothes several months ago. As I and my colleges remember, I apply for the credit card just because we can get a discount ( like 15 % discount ). We did n't really make payment through the credit card because we made payment by using other cards, not to mention the banana republic card has not been issued on spot. 

Surprisingly, after several months, the staff of Synchrony Bank called me for several times and also send me emails to remind me that I have to make a payment for their credit card. At first, I did n't pay attention to these emails and calls, and I suppose they just made a mistake and it has nothing to do with me since I have neither received the banana credit card nor use the credit card to make a payment. Then, I received email again, and out of caution, I call them back to figure out what has happened. The staff told me that I have to pay for XXXX dollars or so. Actually, I did n't hear them very clearly, but to avoid any possible trouble ( It 's the first time I come to America and I really do n't want to be involved in any trouble ), I just made a payment on Synchrony Bank 's website using my XXXX card. Also, the staff told me that all I need to do is to pay for XXXX dollars, and they will not call me again. 

Recently, the Synchrony Bank 's staff called me again to ask for a payment ( XXXX dollars or so ), and I 'm really unhappy and fear that they just keep an eye on me and try to extract as more money as possible. I ask them why they call me again since I have n't received the card, I never used the card, and I have paid to them several months ago ( as I have said above ). Again, to my surprise, the staff told me that I have to pay them XXXX $ per month, and I even did n't know this rule! Also, they have never told me that I have to pay for XXXX $ per month. Otherwise, I would never apply for their credit card when I go to outlets! It 's totally unreasonable and unfair. So, I think the banana republic credit card and the Synchrony Bank 's behavior is something like financial fraud. In this case, I decide to file a financial complaint online. I will try to demonstrate that I have paid them XXXX dollars out of no reason, and I will not pay XXXX $ to them again because they really deceived me on this issue. Furthermore, I am not sure if any other residents in America have been involved in the troubles triggered by the Banana Republic credit card and the Synchrony Bank. So, please help me and make it clear why they can unreasonably charge for XXXX $ per month just for the annual fee or something like that. If possibly, I also want them to give back XXXX dollars to me. 

I am a newcomer in XXXX, and my XXXX is poor. If you have trouble reading this complaint letter, please understand me and give me some support. Thank you very much!
Product: Credit reporting, credit repair services, or other personal consumer reports

HERE IS A LIST OF ACCOUNTS AND INQUIRES THAT IS ON MY REPORT 1.TOYOTA MOTOR CREDIT. IN THE AMOUNT OF $ XXXX DATE OPENED XXXX 2. XXXX XXXX XXXX   . IN THE AMOUNT OF $ XXXX DATE OPENED XXXX 3.XXXX XXXX XXXX IN THE AMOUNT OF $ XXXX DATE OPENED XXXX LIST OF INQUIRES 1.XXXX XXXX 2.XXXX 3.XXXX XXXX XXXX 4.XXXX  XXXX 5.XXXX XXXX 6.XXXX XXXX XXXX XXXX XXXX 7.XXXX 8.XXXX XXXX 9.XXXX XXXX XXXX XXXX 10.XXXX/XXXX XXXX XXXX 12.XXXX XXXX XXXX XXXX 13.XXXX XXXX 14.XXXX/XXXX XXXX XXXX 15.XXXX XXXX XXXX XXXX 17XXXX XXXX 18.XXXX XXXX 19.XXXX XXXX XXXX 20.XXXX 21.XXXX XXXX XXXX 22.TOYOTA MOTOR CREDIT CO XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

My loans were scheduled to be transferred in XXXX to EDfinancial yet when I applied for a different program they instead went to XXXX. Therefore an account was never initiated with EDfinancial. I received the attached correspondence and an email from the XXXX  notifying me of the transfer. EDfinancial is reporting my loans on my credit report, $ XXXX. XXXX is reporting my loans on my credit report, $ XXXX. It shows that I owe nearly $ XXXX in loans and this is simply inaccurate. My account with XXXX is actually {$0.00} ( as of XX/XX/XXXX ) since my loans are now paid in full. Yet EdFinancial is reporting a balance, payments received and delinquent payments with the most recent payment as of XX/XX/XXXX. I have zero record of this and have never paid them nor have I set up any account or consented to any bank drafts with them. I have filed numerous disputes with the credit bureau only to be told that the information ( my name, account number, date and amount owed ) is accurate so they won't remove. I initially spoke with XXXX ( a recorded call ) and explained the situation ; they could not locate any record of my ss #, credit report account number nor the account number I have on the single piece of correspondence I received from them, a welcome letter ; which this account number differs from what is on my credit report. They took my information and I was told they would investigate and update me with a letter within 10 days. This never happened. I have called them continuously for the past two months with no contact, either their phone goes to 'we 're sorry, circuits are busy ' or they say the hold time is 600 minutes or that they will call back when my place in line is up. I have never received a call back. I have mailed a letter to them via certified USMail, I have emailed them, I have initiated a chat on their website, it is offline continuously. I can not log in nor create an account on their website with my credentials, it says that my information is not found ( screenshots attached ). I do not know how else to have this matter resolved. I would like this info from EDfinancial removed from my credit report as I do not currently nor have I ever been in debt to them for a student loan.
Product: Credit reporting or other personal consumer reports

I was just able to take a look at my credit report, and am stunned. I am trying to start a business, and I couldnt believe my eyes when I saw all of this mistakes in reporting! 
I don't know why this company is putting this on my credit report. I have never been delinquent on my payments with any of these people. When I called them they said I needed to just dispute it with you. 

I need you folks to fix this account. In the meantime, I may be denied based on all of this. Ive already tried XXXX places. Please don't leave it this way I need your help! The above account should be reported as positive standing I thank you for your time. Please investigate and take a look at this account : XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : You are reporting inaccurate and/or incomplete information concerning me in consumer reports. Your conduct has caused me distress and financially harmed me with costs and loss opportunity. 
The following alleged Public Record you are reporting concerning me is inaccurate andlor incomplete, and also unverifiable by you : XXXX contacted the court of record and they confirmed that they neither provide or verify court records to you or to any other third-party. ( See attached letter ) Public Record I then contacted XXXX and informed them of their errors in reporting and they responded with a letter deleting any and all Public Record notations. ( See attached letter ) Therefore, you could not have possibly verified this information, argocke, request that you delete the alleged Public Record and provide me I updated copy of my consumer file. 
In addition, I request a description of the procedure used to determine the accuracy and completeness of the information of the above-listed disputed information that you included in a consumer report that yo. prepared and published about me, including, but not limited to, the business name and address of all furnishers of information contacted in connection with such information and the telephone number of such furnishers when you initially prepared the consumer report with the information, investigated the data, and reinvestigated it due to my curre dispute. 
Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning I me. Your prompt attention to this important matter is requested in order
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX, never had or use this company
Product: Debt collection

We received the attached bizarre collection letter for a " XXXX XXXX '' whom we don't even know who in XXXX that is. 

They have never even worked for our  law firm, so clearly this collection agency needs to do their homework, due diligence, skip trace, and cease and desist from further harassing us. 

Thanks, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX  # XXXX is reporting an account to my credit that should not be on there. I have paid this account off and it is still reporting a balance to my credit. This is a violation and I need it removed off my credit report.
Product: Credit reporting or other personal consumer reports

Credit Control LLC have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) b Validation of debts. have asked to Credit Control LLC validate the alleged debt you claim I owe, and all you have provided me is a letter dated XX/XX/year> with a reference number : XXXX for an alleged account # XXXX for a balance of {$80000.00} which you can not prove is mine. 
15 USC 1692c ( c ) Ceasing communication FDCPA 811 [ 15 USC 1692i ] Legal actions by debt collectors FDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ] False or misleading representations FDCPA 813 [ 15 USC 1692k ] Civil liability I refuse to pay this alleged debt until the proper validation of this debt is provided. Please cease and desist all collection activities until you can properly validate this alleged debt. 
Furthermore, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect this alleged debt and money that I do not owe.This Cease and desist include but not limited to any collection attempts and or reporting of this account to any CONSUMER REPORTING AGENCY.
Product: Debt collection

Jefferson Capital kept contacting me via phone call, they have also sent me mail. I have tried to contact them multiple times. I got ahold of someone, asked them to give me information, they wouldn't. They were only concerned on how I was going to pay with my card. I have reached out multiple times and to contact back. I have tried to resolve this issue. I have looked the reviews up on the internet and they have said this company has taken all their money out of their bank account, they have charged them the incorrect amount. Nothing has been done about this issue from the company stand point.
Product: Mortgage

Please accept this written request to investigate the total payoff cost of my home in the amount $ {$340000.00}. This amount is extremely high considering my original loan amount was $ {$330000.00}. I have lived in this house for 15 years and Ive never refinanced or taken any money from my equity. There is a deferred loan modification in the amount of {$97000.00} done in XXXX which was supposed to be forgiven under the President Obama Hardest Hit Program. Under the terms of this mortification, the {$97000.00} was supposed to be forgiven after three years because I was substantially under water in my home where I owed more than the house was worth. In addition, in XXXX, Carrington Mortgage was given {$50000.00} from The Home Safe Georgia Underwater Assistance program. Despite doing two modifications on this home, theres no way I owe {$11.00}, XXXX more on this home than the original purchase of {$330.00}, XXXX in XXXX. 

I contacted Carrington Mortgage on XX/XX/XXXX and they had no answers for me as to why I owed so much money on this loan. They also could not find any information concerning the {$97000.00} deferred amount that is now included in my payoff amount. Nothing was settled and I was just informed to fax them a request in writing to further investigate the matter. I faxed the request to Carrington on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reports an incorrect debt collection to the Credit Reporting Agencies ( CRAs ) with an open date of XXXX XXXX, XXXX. This is an invalid debt collection, and an invalid date, and it needs to be removed from my credit reports immediately. 

I have tried to resolve this issue with XXXX XXXX multiple times via phone calls ( XXXX XXXX, XXXX XXXX, XXXX XXXX ), emails ( XXXX XXXX, XXXX and XXXX XXXX, XXXX ), and written letters ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ). XXXX XXXX continuing to report this inaccurate debt collection has directly led to me being denied for credit cards ( XXXX XXXX ), auto loans ( XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX ), and has increased car insurance quotes ( XXXX XXXX, XXXX ). 

XXXX XXXX claims that I was refunded {$350.00} on XXXX/XXXX/XXXX and another {$350.00} on XXXX/XXXX/XXXX. I refuted this claim by sending XXXX XXXX my XXXX and XXXX bank account statements proving that 1 ) there was a {$350.00} withdraw from XXXX XXXX and 2 ) I never received the {$350.00} in return to my bank account on or around XXXX/XXXX/XXXX or XXXX/XXXX/XXXX. In addition, XXXX XXXX XXXX claims that I received receipts for two separate {$350.00} returns on XXXX/XXXX/XXXX. I again supplied XXXX XXXX XXXX with my XXXX bank account statement proving once again that I never received these returns on or around XXXX/XXXX/XXXX. 

Lastly, XXXX XXXX XXXX also inaccurately reports the date this inaccurate collection. They claim a date of XXXX XXXX, XXXX. The last instance I was even at XXXX XXXX was XXXX/XXXX/XXXX. That is 13 months earlier than the date they are reporting to the CRAs. 

In addition, I have tried resolving this with XXXX, XXXX, and TransUnion. I have sent all three CRAs my bank statements clearly proving that this XXXX XXXX debt collection is completely inaccurate and needs to be removed IMMEDIATELY from all of my credit reports. 

Attached you will find screenshots of my bank statements proving that I absolutely paid the {$350.00} and a definitely NEVER received a {$350.00}. XXXX XXXX XXXX debt collection needs to be removed from my Credit Reports immediately.
Product: Vehicle loan or lease

I have spoken with the company ALLY regarding GAP insurance on my vehicle that was deemed a total loss on at least XXXX different occasions. And each occasion I was told that I did not submit the required documentation in order to proceed with the process. After submitting the same documents 8 times, now I am being informed that those documents aren't good enough. I am very frustrated and irritated with this entire process. The company ALLY does not want to pay out bottom line.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

XX/XX/XXXX-Chase discovers they were making property tax payments on incorrect parcel and requests payment in full. Suggested applying for a loan modification when we stated we did n't have the funds to pay in full and requested consideration to apply these back taxes to the outstanding loan balance. 
Following Chase 's instruction and how much they wanted to " help us out '' we sent our application for the loan modification on XX/XX/XXXX. 
In a letter dated XX/XX/XXXX, following months of providing Chase with all the information requested, speaking with different customer specialists several times over the ensuing months, one unpleasant phone conversation specifically regarding the property in question with customer support specialist # XXXX assigned to our loan, and continued letters stating they were still reviewing our application, we were denied. 
Upon reading the reason for denial, basically stating the property was a second home and not a rental therefore we did n't qualify for the Home Affordable Modification with Principal Forgiveness Tier 2, we found erroneus information and challenged their findings, sought legal couseling, and sent our letter of appeal addressing these specifics via certified mail XX/XX/XXXX. 
XX/XX/XXXX-Received letter from Chase explaining different reasons we are denied but not correcting the original error or addressing the original reason for denial. The letter also stated erroneous communication with the # XXXX Customer Support Specialist we have dealt with since the inception of the process which we believe contributed to the negative outcome. 
XX/XX/XXXX-New application packet sent without an explanation. 
XX/XX/XXXX-Letter introducing a new Customer Support Specialist XX/XX/XXXX-Mortgage payment refused by teller at bank XX/XX/XXXX-Called new customer support XXXX who explained Chase is starting Foreclosure process thus no payments are to be received. When asked to explain why previous payments had been accepted we were informed all payments made during the past year had been placed in a Suspense Bucket until there were enough funds to cover the new payment due reflecting the back taxes paid. We were also informed of a {$14.00} inspection fee the account has been incurring during this time to make sure the house had not been vacated or vandalized. We have n't heard nor seen any such report. 
After a lengthy conversation it was suggested to submit another application to perhaps slow down the foreclosure process We are at wits end and have concluded since Chase is not willing to work with us to pay back the back property taxes without doubling our mortgage payment, as they did, our only recourse is to short sale the property. 
We have never denied we owe the tax and never asked for a reduction in the principal balance. We had only requested an extension of time to repay and bring the account up to date and appropriately assigned the correct APN to the escrow account. The advice given by Chase initially to apply for a loan modification was clearly not the best way to correct the error Chase made and sent us on this futile journey for the past 11 months.