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

Subject : Formal Dispute of Inaccurate XXXX  XXXX Account Information on My Credit Report Pursuant to the Fair Credit Reporting Act ( FCRA ) Dear Sir/Madam, I am writing to formally dispute the accuracy of information reported by XXXX  XXXX on my XXXX credit report. The specific details of the disputed account are as follows : Creditor Name : XXXX  XXXX Amount Reported : {$360.00} Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ), I am entitled to dispute any inaccurate or incomplete information on my credit report, and XXXX is obligated to conduct a reasonable reinvestigation of this disputed information within 30 days of receipt of this notice. Furthermore, under 15 U.S.C. 1681e ( b ), credit reporting agencies must adopt reasonable procedures to ensure maximum possible accuracy in the information they report. 

The information reported by XXXX XXXX is incorrect and materially affects my creditworthiness. Therefore, I am requesting that XXXX immediately initiate a reinvestigation into this matter and correct or remove this inaccurate information. 

Attached, please find copies of documents that support my position, including account statements, payment receipts, and correspondence with XXXX XXXX, demonstrating that the information currently reported is inaccurate. 

In accordance with FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if the reinvestigation does not substantiate the accuracy of the disputed information, I expect XXXX to promptly delete or modify the incorrect information from my credit report. Furthermore, I request that you provide me with a written response outlining the results of your investigation and a copy of my updated credit report once the inaccuracies have been addressed. 

Please be advised that failure to comply with these obligations under the FCRA may result in legal action to enforce my rights. 

Thank you for your prompt attention to this matter. I expect a thorough investigation and resolution of this dispute in accordance with the FCRA 's requirements. 

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

Discover Financial Services continues with their systemic institutional XXXX oppression XXXX inequality procedures in improperly ordering a unauthorized hard credit report inquiry on my credit reports WITHOUT my signed authorization. Per the F.C.R.A. either have them provide a signed authorized credit application document with my authorized signature, or IMMEDIATELY remove the erroneous inaccurate hard inquiry from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent many disputes to TransUnion many attempts to get them to Validate old closed accounts on my credit report they failed to do so. Also I requested copies of original contracts between me and then accounts on my report they failed to do its been going on 2 years and they still have not sent me any proof of validation of any closed account debt on my account
Product: Debt collection

I don't know who these people are. I've never had a contract with them. I've never signed anything with them. I have not done business with them. I've never bought anything from them. They are saying I owe {$370.00} XX/XX/XXXX, {$940.00} XX/XX/XXXX, {$290.00} XX/XX/XXXX. I DO NOT!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S. C 1605 - Determination of finance charge 15 U.S.C 1666b - Timing of payments
Product: Credit card or prepaid card

In XX/XX/XXXX I did a balance transfer with Wells Fargo and Zero Interest. 
Later had to use my credit card for purchases but I made a payment later to cover those purchases and be left only with my balance transfer at zero interest. 
Not using my credit now for several months I noticed I am being charged interest on purchases. When I reached out to wells fargo my call was escalated to a XXXX XXXX caseXXXX. 
He told me payments were allocated to my zero interest balance instead of covering my interest. I told him it was misleading decieving and benefiting wells fargo to allocate my payments to a zero interest and leaving a balance on purchases so they could continue to charge me interest! 
On wells Fargos recorded line he said an accountant would allocate the payments towards my purchases therefore I wouldnt continue to be charged interest. And could start paying down my zero interest balance. 
Now 3 weeks later no one wants to acknowledge what happened, what was promised even though they went back to recordings and heard it all.
Product: Consumer Loan

OneMain Financial refuses to reclaim collateral that was discharged in my Chapter XXXX bankruptcy or release the lien on the collateral. I have contacted them several times and they continue to refuse reclamation or release of the lien. When informing them I would be returning the collateral at my own expense to their branch office as suggested by my Attorney they threatened I would be responsible for any fees they incur to move, store, dispose of the vehicle. 

I am not responsible for this legally discharged debt. OneMain is being vindictive by not reclaiming the collateral or releasing the lien so I can dispose of the collateral.
Product: Credit reporting, credit repair services, or other personal consumer reports

From Prior complaint that closed before satisfactory resolution # XXXX MY ORIGINAL COMPLAINT STATED On 2 occasions starting in XX/XX/XXXX via Sagestream Website and in XX/XX/XXXX, via certified mail, I requested that sage stream LLC put a freeze on my credit report and send me confirmation and they have not sent me confirmation. In between the time of XXXX XXXX-XXXX XXXX I have left numerous voice messages in regards to the matter but still no confirmation. I SUBMITTED PROPER COPIES OF MY PHOTO ID AS WELL AS MY SS CARD. So for some strange reason Sagestream doesn't seem to want to honor my request. Help and assistance is needs to obtain my security freeze and security PIN The company response was not accurate, which they stated : In his complaint ( CFPB Complaint # XXXX ), Mr. XXXX stated that he has contacted SageStream , LLC ( SageStream ) multiple times to place a security freeze on his SageStream consumer file, but SageStream has not responded. We address his concerns as follows : SageStream is a consumer reporting agency that prepares consumer reports and credit scores for its clients who are typically credit grantors. According to our records, SageStream received an online request from Mr. XXXX for a security freeze to be placed on his consumer file ; however, the identity verification documents that MrXXXX XXXX included with his request were not legible. SageStream mailed a letter to Mr. XXXX on XX/XX/XXXX informing him of what he would need to send for his request to be processed. If Mr. XXXX has questions, he may call the SageStream Consumer Office toll-free at ( XXXX ) XXXX, Monday Friday XXXX XXXX  to XXXX XXXX  ( Pacific Time ) or visit our website, www.SageStreamllc.com for information. 

Sage stream address the online process. They did did not address the certified mail request that included proper identification such as copy of my Driver 's License and SS Card. they signed for the certified mailing # XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. If included the letter of request and well as the proper copies of identification. In my letter of request I submitted. It stated that a copy of ID included a driver 's license and SS Card stapled together with the request. So therefore if if got separated from original letter it was done by the company they need to research there mail receiving procedure find my mail-in request and honor the contents I submitted along with the identification which was all I was required to do. I will submitted the proof from the US Postal Service that the physical letter of request I am speaking of did reach there offices and signed by them as being received.

Sagestream failed to address this in the previous response my mail in request to the previous complaint. Sage stream just did not want to honor my request by mail, Thier continued failure to do so will lead me to escalate the matter to a proper venue that I can easily prove and win my claim if I wish to do so
Product: Debt collection

I have been reciving phone calls from Sunrise credit services for over a month via XXXX. As of XX/XX/year> I've informed them that my debt to att has been paid to att specifically on XXXX & currently have an active att account ( which you can not do if you currently owe them a past due balance. ) While explaining this, the first rep asked when it was paid, I told them, then they stated that I still need to pay them because they have the account. I informed them that they need to close the account and remove from my credit profile as I've paid the original creditor att and to stop contacting me. 

The rep told me that unless I pay them, they will continue to collect the debt, and then they ended the call with me. 

I called back, told the same thing, asked for a supervisor, but again was told that they will continue to collect unless they get paid, wouldn't let me speak to a supervisor and proceeded to end the call.
Product: Debt collection

This is a HIPAA Violation. On XXXX someone called me from Cavalry Portfolio Services stating that they bought my account on a already closed account and stated we will call and give out your information and talked rude to me with foul language. They then called a family member on XXXX and provided all information. This account has been closed and was no longer reporting under the original company. They then said just for that they will place it back on my credit and it is showing up on my reports. This is illegal and they shared my personal information and address.
Product: Credit reporting or other personal consumer reports

Subject : Immediate Cease and Desist Request for Inaccurate Credit Reporting Dear XXXX XXXX I am writing to formally request that you immediately cease and desist from reporting inaccurate information on my credit report. My name is XXXX XXXX, and my Social Security Number is XXXX. 

Upon reviewing my credit report, I identified the following discrepancy : account XXXX XXXX  past due balance {$900.00} This accounts is inaccurately reported as a delinquent account, which is not accurate. 
This error is adversely affecting my credit score and financial standing. In accordance with the Fair Credit Reporting Act ( FCRA ), I request the following actions :
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing doe not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 


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

I was informed that my information was breeched. I was advised that I should get a credit monitoring service. Then I discovered a bills with XXXX , XXXX, XXXX XXXX, XXXX, XXXX and XXXX XXXX XXXX that I was not aware of. 

XXXX , XXXX dated XX/XX/2019 {$50.00} XXXX XXXX XXXX dated XX/XX/2019 {$200.00} XXXX XXXX XX/XX/2019 {$500.00} XXXX XXXX {$59.00} XXXX XXXX  XX/XX/2019 {$15.00}
Product: Credit reporting or other personal consumer reports

4 hard inquiries From XXXX XXXX XX/XX/XXXX 3 the last year : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I want to remove all.
Product: Checking or savings account

I stayed at a hotel. The hotel falsely claimed I damaged the television in the room. When the bank asked the hotel to provide documentation, they failed to provide anything that proved that I specially caused the damages, only that damage occured. They could have easily been caused by a prior or subsequent guest. 

Claim Number : XXXX Date : XX/XX/2020
Product: Debt collection

In XXXX of XXXX, I contacted XXXX XXXX via an online chat message. I asked them how I could start cellular service with them. They mailed me two new SIM cards, that ultimately didn't work for me, so I NEVER signed up for service with XXXX XXXX, and per them, I disposed of the useless SIM cards. 2 months later, I began to get bills from XXXX XXXX all day long. After about 1 week 's worth of calling there and being bounced between customer service and the fraud department, XXXX XXXX was able to verify that I had NEVER used their service, and they sent me an email stating that I didn't owe them any money and that the matter was closed. Two weeks later, I am getting a bill from a collections agency called AFNI for an amount of {$230.00}? That wasn't even the amount that they said that I owed. I have an email from XXXX XXXX which confirms this. How can I get these people to STOP calling me about a debt that isn't even mine? Now, the debt collection agency tells me that I have to file a police report? A police report for what? Not taking XXXX XXXX service? Please help
Product: Debt collection

Company called me several times a day. I have repeatedly asked them to verify the debt and send me documentation. Not only did they not send me any documentation the gentleman said if I didnt arrange payment immediately that they would file collections on my credit.
Product: Debt collection

I filed a challenge to a fraudulent collections on my credit report with the three credit bureaus and only one took it off-XXXX XXXX. XXXX  and XXXX have not and will not explain why and has refused to send me their decision and why via mail. XXXX XXXX XXXX ( XXXX ), who has had a plethora of complaints for falsely accusing people of having a collections with them and destroying their credit, claims I had a contract with XXXX XXXX and owe them over {$2600.00}. This is not true. I had a prepaid account with them years after this supposed account was opened. Even if this was true it would have been a breach of contract because I know XXXX 's policies and nowhere does it say they can sell you information to a third party and that is exactly what XXXX is claiming happened. On top of this XXXX   allowed XXXX to change information on my credit report without my knowledge or consent. 

I have already complained about both of these things with this company and it was closed without my consent claiming I said I no longer had a dispute. I requested to have it reopened and I was told it was, but have not received any response nor can I find it. This is my second attempt at resolving this issue.
Product: Credit reporting or other personal consumer reports

I leased a car from XXXX XXXX XXXX for 4 years, account XXXX. To pay the lease, I used XXXX XXXX XXXXXXXX XXXX XXXX setup with their auto-pay service for a total of XXXX payments. During the years of payoff, I received countless generic mailings offering me XXXX sponsored trade-ins and XXXX upgrades. The first personally directed contact I received from XXXX was XXXX of XXXX. At that time a XXXX representative called to tell me that my lease was 90 days past due and that I needed to purchase the car or return it. I quickly found financing and purchased the car. 

When I asked how my account could have gone 90 days past due without anyone from XXXX contacting me, I was told that electronic communications had been sent to me. Further research showed that because I had been paying via XXXX XXXX XXXX, the buyout and past due notices had been sent to a XXXX email address rather than to me. XXXX informed me that the email address XXXX had been using did not forward to me. In other words, I had not received any notification of end of lease, terms of the lease buyout, notice of my past due account, or notice of the negative credit reporting. I asked why XXXX hadn't sent a postal letter. I was told that XXXX XXXX XXXX wouldn't have known my home address, only my electronic information. The agent told me that the dealer is who had been postal mailing me marketing materials all these years. 

XXXX has already removed these late payments from my credit report. I have repeatedly submitted similar disputes with XXXX and with TransUnion, but those disputes have not been successful
Product: Money transfer, virtual currency, or money service

I was scammed with XXXX, thinking I was on the phone with XXXX. I immediately reported this issue to Navy Federal CU in XX/XX/year>. Of course my claim was denied and I was scammed out {$2000.00}. This caused my account to be overdrawn and eventually closed. There was no warning advising who the number or email was assigned to, and the culprit entered my name, so I thought the money was being refunded to me.
Product: Mortgage

My mom wanted to refinance her home equity loan and credit card debt. We contacted Citizens Bank because that is where she had the equity loan. We answered a bunch of questions that loan officer, XXXX XXXX, asked and we were assured we would be approved. I submitted all the documents requested. We paid XXXX dollars for a home appraisal, I got a hard credit check, and my mom opened up a new bank account and has her social security transfered there to pay the mortgage. He told us we would get a small percentage off if we did that. The communication after that was nonexistent. No response and then a denial letter. I called to ask why my and my mothers income was supposed to be more than enough. Our credit is excellent and there was just no explanation other than the letter saying our income wasnt enough. I finally got XXXX XXXX on the phone and he said he would look into it and call back. He never did. I believe he was negligent in this case on every level.
Product: Debt collection

Credit Collection Services reported their unverified medical account to my credit file on XX/XX/2021. I have no idea how Credit Collection Services received my personal medical information. I have not agreed to do any business with Credit Collection Services, I have not received any goods or services from Credit Collection Services, nor am I responsible for their debt collection purchase from their alleged client. Credit Collection Services have violated my H.I.P.P.A. rights and is attempting to collect on an alleged debt that does not belonbg to me. Credit Collection Services are acting as attorneys violating the FDCPA attempting to collect on an alleged debt without providing any proof of service or goods. I will upload proof upon request.
Product: Mortgage

I called my mortgage lender on XX/XX/2023 to remove the PMI from my mortgage because my property has increased in value. They send me 2 documents to sign and I sent them and agree on an appraisal of my property with a value of {$190.00}, which I made the payment by phone on XX/XX/2023. I called XX/XX/2023 to verify the status and they tell me that it can take up to XXXX months for the appraiser to call me to remove the pmi.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is showing that my employer is " XXXX '', which besides being wrong, is discriminatory and illegal.
Product: Debt collection

my payment is due on the XXXX, i received a call on the XXXX at XXXX saying they did n't received my payment. I told them that i would be sending a payment on my payday which was the XXXX, they told me i would be in default if payment was n't received by the XXXX of XXXX. well my check was short by error, my job is fixing that. I call 800loanmart to let them know they said the same my payment will be in default by the XXXX. This morning ( XXXX/XXXX/17 ) i get a email telling me i broke an agreement by not making the payment on the XXXX. my question is is this harassment if I 'm not 10 days pass due. I thought there was a XXXX grace period. Can you help with this.
Product: Debt collection

My credit report shows a collection from you agency. I was never notified of this collecion. What's more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PROTECTION ACT. I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number.

Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only.
Product: Credit reporting or other personal consumer reports

NEW AFFIDAVIT ATTACHED XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, AR XXXX XXXX : XXXX Sos : XXXX TransUnion LLC Supervisor, Consumer Fraud Division XXXX XXXX XXXX XXXX XXXX GA XXXX Subject : Request for Removal of Fraudulent Accounts and Inquiries FTC Complaint # : XXXX CFPB File Number : XXXX, XXXX Date Created : XX/XX/XXXX Dear Supervisor, I am writing to formally request the removal of the following fraudulent accounts and inquiries from my credit profile. These entries were made without my consent or knowledge. I recently spoke with a representative, XXXX XXXX XXXX ), regarding this issue. 

Fraudulent Accounts : XXXX. XXXX XXXX Account # : XXXX Opened : XX/XX/XXXX Closed : XX/XX/XXXX Balance : {$930.00} XXXX. XXXX XXXX XXXX. 

Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX Phone : ( XXXX ) XXXX Fraudulent Inquiries : XXXX. XXXX Address : XXXX XXXX XXXX, XXXX, PA XXXX Date : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX Address : XXXX XXXX  XXXX XXXX, XXXX, AR XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, AR XXXX Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX  Address : XXXXXXXX XXXX XXXX XXXX XXXX, AR XXXX Date : XX/XX/XXXX XXXX. XXXX  XXXX XXXX via XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, AR XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX. XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX These accounts and inquiries are fraudulent, inaccurate, and should be removed from my credit profile immediately in accordance with the Fair Credit Reporting Act ( FCRA ). 

Please notify me in writing of the results of your investigation within 30 days, as required by law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I recently obtained a copy my credit report SR & Association continues to violate my rights according to Fair Debt Collection Practices Act ( FDCPA ). Also this company is in violations according to 15 USC 1692. I have accounts that I did not authorize. I have attached a copy of mhy FTC and ID.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ITS SHOWS XXXX  WHEN PAYOFF IN FULL WITH XXXX  BALANCE ONXX/XX/2024XX/XX/year>
Product: Credit card or prepaid card

Was told that on XX/XX/2023 a genesis fs card service had a open credit account for myself and when trying to verify the address it was not my current address on the account because I never open this account for the destiny credit card