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

I have a some addresses on my report that are not mine. 
My name is XXXX XXXX XXXX please remove any other variation. 
My company is XXXX XXXX ( XXXX XXXX ) My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX PLEASE DELETE/REMOVE ALL OTHERS ADDRESSES XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX THE FOLLOWING PHONE NUMBERS ARE NOT MINE PLEASE DELETE ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Checking or savings account

Two overdraft fees for two transaction that were not pay by the bank those two transactions came in at XXXX XXXX  and at XXXX XXXX I had over one thousand dollars deposited from payroll. I was charged two fee when the bank didnt pay for my two automatic payments that came out of the account
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX # XXXX, this account is a charge off account. 

This is a violation of 15 USC 1681 ( e ) ( b ) which states a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I never received a XXXX form for the cancellations of debt which is a violation of 15 USC 1681 ( e ) ( b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following false accounts with the credit bureaus but have not received and response : 1. XXXX XXXX account XXXX 2. XXXX XXXX XXXX account XXXX 3. XXXX  XXXX account # XXXX XXXX. XXXX  XXXX account # XXXX 5. XXXX XXXX XXXX account XXXX Please investigate and delete asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis has not properly investigated the public record item enclosed. I am requesting it be removed from my report pending a thorough review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was using a XXXX  XXXX  XXXX  at XXXX  to make purchases in their store. I received my statement for XX/XX/2019 showing that I had a {$10.00} balance. I paid the charge online, in full and never made another purchase with the card. I received my XXXX  Statement showing the payment of {$10.00} that I made, and a {$0.00} balance. 

When I went to refinance my home recently, my broker pulled my credit report and told me I have only one minor past due report from XXXX  for {$1.00}. Target reported this erroneously to the credit reporting agencies. I called XXXX  on XX/XX/XXXX to get this resolved and asked them to send a letter to all 3 credit reporting agencies telling them that the past due report was their fault and to remove the bad mark on my credit report. The woman on the phone said she would send a letter to my broker telling them that I had a XXXX balance. I told her that's not what I asked. I told the representative that I am in the middle of refinancing my house and I need for that bad mark to be removed from my credit report in the next day or two. She told me it would take up to 30 days for a review. I told her that I didn't have 30 days, and this should be done soon, especially since it was a mistake made by XXXX. She told me again that it would take 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX IS LISTED NUMEROUS TIMES ON ALL THREE CREDIT BUREAUS. MY CREDIT HAS A FRAUD ALERT AND NO CONTACT WAS MADE TO INTERSECT THE INQUIRES. HAND IN HAND, XXXX XXXX, XXXX XXXX XXXX INQUIRY WAS NOT AUTHORIZED. I AM REQUESTING IMMEDIATE REMOVAL AFTER SEVERAL ATTEMPTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I've contacted XXXX XXXX XXXX XXXX they told me I've never missed a payment, yet Transunion refuses to remove me from being listed as late on XX/XX/20 on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Transunion 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please remove the late date from this account : XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX phone # XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX has reported a collection notice on my XXXX  Credit report in the amount of {$6000.00}. 

The collection has been reported as a past due amount. Which is not reflected on my credit history anywhere EVER. I don't know who this company is and have never done business with them. 

This company does not have any contract with my signature.
Product: Mortgage

I disputed more than 10 times and escalated your service department and correpondent team but your company ignored my fair claim to remove the charge {$90.00} fee that is not my fault and responsibility. I already sent the proof documents that I paid the payments ontime. 
Per our conversation with Customer Service team last month, I am requesting to waive the inspection fee {$90.00} charging to my account again. This is not my fault but the fualt from the previous the previous mortgage servicer, XXXX that never forwarded the fund to Seterus. I also updated my mailing address timely manner but they did not update the correct mailing address so I could not get the transfer information accordingly. This is not my fault so can not pay the inspection fees {$90.00} that Seretus charged and it is not my responsibility. 
Seterus charged 2 times of inspection after XXXX even I updated my address and payment information accordingly in Seterus. Your research department already verified that I paid all payments on time every month. 
Please reconsider and waive the charge {$90.00} fee XXXX I discussed and agreed on the phone that I am going to make a payment of {$990.00}. 
Regards, If you have any question, please email me at XXXXXXXXXXXX or call me at XXXX. 
Regards, XXXX XXXX.
Product: Debt collection

I never lived there. They are charging an administration feee for moving but I was never a resident. Ever.
Product: Credit reporting or other personal consumer reports

Tranunion failed to dispute information for Consumer validation of debt with XXXX XXXX reviewed the following letter of initial contact from a debt buyer with inaccurate address at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  consumer never lives in that city or state Error number two bill submitted to XXXX with inaccurate address which the letter stated by XXXX XXXX upon purchase this Debt verified information with the original creditor. XXXX Violated 15USC 6082release of information to XXXX without written consent from the consumer personal information. Consumer obtained these letter from dispute through CFPB
Product: Debt collection

I was in process to refi my house and discovered a collection account from MRS BPO in the amount of {$210.00}. This was a debt i informed them had been paid direct to XXXX in XXXX of XXXX, for an account closed from XX/XX/XXXX. At advice of my loan officer was to pay and request a deletion for better rates. I called XXXX XX/XX/XXXX requested that if I pay would they remove from my credit report. She informed me that once XXXX  notified them balance is paid it would be deleted. Now they are saying they never stated that, and that they cant delete collection items reported to Credit Agency, but yet they can put it on my report. Please be careful and know rights as I should have used a pay for deletion agreement. Unprofessional practices
Product: Mortgage

DiTech  Mortgage  ( previously GreenTree Mortgage )  amounts are being reported incorrectly. There are " deferment interest '' amounts that were not authorized or agreed upon at any time during the life of this loan. There are " reverse cash payments '' listed on the account payment folios, i.e. payments sent via  XXXX   XXXX , direct bill pay  services-CASH  ONLY SERVICES, all listed under Reverse Payment-CASH. I have requested an explanation as I am contesting the validity of the amounts. I was given time frames and in such fashion, returned a response within the time given. The company missed their own postmark date from my initial correspondence for the time they allotted themselves to respond. They then tardily responded stating there would be an investigation to my inquiry and a resolution and response within 10 days, however the company has decided to first grant themselves an extra 30 days outside of the previously stipulated 10 days to respond and then following ( prior to that expiration ) with a " threaten to foreclose '' if the amounts are not paid to them. DiTech has been just as much of a nightmare  as GreenTree  was. The harassing phone calls, condescending tones, threats of foreclosures -- all while the account is supposed to be " current ''. Calls beginning on the DAY PAYMENTS DUE, or their " FRIENDLY REMINDER CALLS '' turning into some outlandish conversation that causes more stress than the fact that there has been no relief from these companies yet. There 's absolutely no proof of their bogus charges, or how you can reverse cash payments, etc-yet they are allowed to " legally '' foreclose on my home as this is what they are threatening to do.
Product: Debt collection

I hope this letter finds you well. I am writing to bring to your attention the presence of fraudulent accounts on my credit report, and I urgently request their immediate removal. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 
Upon reviewing my credit report, I discovered unauthorized accounts that have been falsely opened in my name. I have attached copies of the relevant sections of my credit report highlighting the fraudulent entries for your reference. 
XXXX XXXX I want to emphasize that I have not initiated or authorized these accounts, and they are a result of identity theft or fraudulent activity. I am taking immediate steps to report this matter to the relevant authorities, but I also request your prompt assistance in rectifying this situation on my credit report. I kindly ask that you investigate these matters urgently and remove the fraudulent accounts from my credit report. Additionally, please provide me with written confirmation once the investigation is complete and the erroneous entries have been deleted.
Product: Credit reporting or other personal consumer reports

I discovered several inaccuracies on my credit report from XXXX, which have significantly impacted my credit score and financial health. These errors need to be rectified immediately to prevent further damage. Here are the details of the disputed items : XXXX. XXXX XXXX Credit Card Account ( Opened on XX/XX/XXXX ) : The account shows a series of late payments, which are incorrect. Payments were made on time, but due to administrative errors, they were reported late. Despite multiple attempts to contact XXXX XXXX to correct this, the errors persist. 
XXXX. XXXX XXXX XXXX Account ( Opened on XX/XX/XXXX ) : This account is incorrectly reported as in collection. I have never had an account with XXXX XXXX XXXX, and this appears to be a case of mistaken identity or fraudulent activity. 
XXXX. XXXX XXXX XXXX XXXX Account ( Opened on XX/XX/XXXX ) : This account is reported in error as in collection. I have never opened an account with XXXX XXXX XXXX XXXX, indicating potential identity theft or clerical error. 
4. Public Record - Bankruptcy ( Reported on XX/XX/XXXX ) : The public record for bankruptcy is inaccurately reported on my credit report. I have a letter from the court stating that they do not report bankruptcies to credit bureaus. 

These inaccuracies have had a profound negative effect on my financial health, including my ability to secure loans and other credit. Given the severity of the impact, I am requesting an immediate and comprehensive review and removal of these erroneous entries from my credit report within XXXX hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion File Number XXXX XX/XX/2018 Account Review Inquiries has XXXX XXXX -- -- XXXX XXXX XXXX -- -- -- XXXX XXXX -- -- -- -- XXXX XXXX XXXX -- -- - XXXX XXXX XXXX showing on Account Review Inquiries and I don't owe any of these companies and should be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

Barclays bank Delaware has Violeted the law by refusing to verify the tradeline the reporting to the 3 bureaus.i sent out some letters beginning XXXX of XXXX and the never responded. So XX/XX/XXXX I decided to call them so I can get to the bottom of this.they told me they couldn't verify the tradeline because they didn't have it on file yet they reporting it. according to the law it's my right to ask for debt verification but Barclays Bank refuse to follow the law
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting

I owned the property which is financed by XXXX XXXX XXXX XXXX. I divorced and the ex-wife was awarded the property and all responsibility was placed on her for the mortgage of the property. Absolute divorce was granted on XXXX XXXX 2007. This is the only item that is negative on my report and I wish to improve my credit.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated.

These companies have refused to do work on disputes even though they're required by thelawtodoso. 
XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Final debt of {$250.00} after insurance payment is being paid today XXXX/XXXX/2016. The total amount was {$3000.00}. They are charging {$430.00} in interest which we are disputing. We feel that the amount of {$430.00} applies to the {$3000.00} full amount that we are not liable for, we can see paying about {$50.00} in interest, but not {$430.00}!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  and transunon has inaccurate information on my credit reports. they refuse to delete. this information is not mine and has been deleted from the other credit bureaus
Product: Credit reporting or other personal consumer reports

There is a public record on my XXXX, XXXX and Equifax credit reports along with other credit reporting services. When I try to dispute the public record which shows a bankruptcy, I am told they are getting the information from XXXX XXXX. I requested that XXXX XXXX, XXXX, XXXX and Equifax validate this debt and none responded to my letter. XXXX certfied mail # XXXX XXXX XXXX XXXX XXXX XXXX mailed XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX mailed XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX mailed XX/XX/year> Equifax XXXX XXXX XXXX XXXX XXXX XXXX mailed XX/XX/year>
Product: Payday loan, title loan, or personal loan

consumer has been making payments since XX/XX/XXXX on this account & has never missed a payment.consumer was told there was no penalty for paying or making early payments, when account was created.on or about XX/XX/XXXX, I was called repeatedly & continuously being harassed about payments that I never missed.I received annoying calls, multiple times a day in reference to this account.I am disputing that I have missed a payment on this debt.consumer explained to a company, representative during a phone conversation, that I have never missed a payment.I ( consumer ) went over every payment month by month & she placed me on hold.after returning she stated, some of your payments, must have been, applied to the principle, which I did not authorize.I then asked the representative for a manager & was placed on hold again for about 40 minutes, when the phone was suddenly disconnected on their end.A day later the annoying & repeated calls started again.I formally notify you cease all communications other than mail regarding this account.
Product: Debt collection

I had a credit card with aafes, a retail store that is on military bases. in XX/XX/2008 it went into default for XXXX.. never received anything from them until XXXX XXXX XXXX started garnishing my wages at 25 percent and is garnishing a total of about 11,000.00. Never got a communication or sopona to appear in court, never received any letter from either aafes or XXXX XXXX XXXX. 

Also the garnishment is showing as a Student loan, I do not have any student loans. 
Apparently XXXX XXXX is also part of the same group of which XXXX XXXX is a part of. About 3 years ago i was going through the exact same thing with XXXX XXXX and eventually they returned the Money they were Garnishing and stopped Garnishing me after an inquiry from CPFB. 
I never learned what happened because CPFB doesn't disclose the results of their inquiry. 




Student with one loan- Federal XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

To Whom it May Concern : I have been dealing with Financial Credit Network ( FCN ) for several months now. This is in regards to ( 2 ) accounts with them -- XXXX and XXXX. Please be advised I have MUCH documentation if requested. When I first received collection notices, I immediately disputed the attempted debts as 1- I had no knowledge of the presumed debt ; 2- the presumed debt did not belong to me ; 3- I did not agree to either of these presumed debts. I asked for ALL documentation listed above. I have sent ( 3 ) certified letters regarding each listed account. FCN says they have confirmed the debt, but has yet to show me ANY of the information I listed above. THEY HAVE NOT PROVIDED ANYTHING WITH MY NAME. Not one document. NOT one document stating that I had knowledge of the debt. NOT one document stating that the debt belongs to me. NOT one document showing that I agreed to this debt. They are unable to provide this documentation because it does not exist. The debt does NOT belong to me. I did NOT agree to this debt. I am NOT responsible for this debt. 
On a letter dated XX/XX/2018, FCN wrote " they confirmed when XXXX went in for services you told them your insurance would be paying. '' First off, I have NEVER spoken with anyone at that office. And secondly, when does " you told them '' count as proof even if it was true. The letter also states " Unless our office received supporting detailed documentation from you providing you not responsible for these charges, we will consider all these issues addressed. '' This is illegal. The burden is on them to provide PROOF that I had knowledge of, the debt is mine and I agreed to this debt. Again, they provided NONE of that information. And now they want me to provide detailed proof the debt is not mine. I sent proof ( 3 ) times in the form of disputes asking for ANYTHING that proves the debt is indeed mine. 
They have violated my rights, several times now by continuing to collect on debts that they have FAILED to show that I am liable for. They claim they have sent documentation, but the few papers they have provided, DO NOT SHOW MY NAME OR INFORMATION ANYWHERE. They have called me when I sent a cease and desist letter. I have spent time and money sending repeated letters that have yet to yield ANYTHING with MY name on it at all. They have threatened me with negative credit reporting. They have placed the burden of proof on me, yet they are a collection agency. 
I am looking for action. I am looking for immediate resolution in this mater. The resolution I am seeking is that this matter is dropped ( obviously ). I am looking that FCN is held accountable for their uncompliance with the FTC/FDCPA. 
Please let me know you need any correspondence I have received and/ or sent. 
Thank you for your attention to this matter.
Product: Vehicle loan or lease

These companies are in violation of several CFPB laws and FDCPA laws that I have fully explained in the attachments of this letter. CREDIT ACCEPTANCE CORP has failed to present a contract to me. I have asked them repeatedly for the agreement that was set in place for this security interest with the vehicle involved. 

Please note that I have also certified mail sent these letters to all parties mentioned in the letter with return receipt and required signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want XXXX is violating the law because the XXXX account # XXXX open dated XX/XX/XXXX is inaccurate, TransUnion open dated on this same account is XX/XX/XXXX. I been disputing this account for inaccurate and it keeps coming back verified for months on XX/XX/XXXX, XXXX & XX/XX/XXXX
Product: Vehicle loan or lease

I was sent a letter on XX/XX/2023 from CFPB advising I was identified that a former CFPB employee sent unauthorized emails to a personal email address. It contained information about my loan with Santander Consumer USA XX/XX/2023. Santander Consumer USA/Chrysler Capital advised they sent a letter XX/XX/2023 advising plan to sale property which I never received. This vehicle had many issues even when first purchased I have included complaints I filed with the state as XXXX agreed to a trade that they later became a dispute the dealership. I believe due to the vast amount of fraud committed in this agreement my property was illegally sold without my acknowledgment.