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

I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my credit score : This account is reporting inaccurately in my credit report. I recently checked my credit report and Its only reporting on my Transunion account. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ( 1. Account Name : XXXXXXXX XXXX Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

2. Account Name : XXXX Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report Please provide proof of all late payments. and update the balance to current or delete the negative payment status on this account. 

3. Account Name : XXXX Account Number : XXXX Reason : balance : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account Date of Last Activity : Inaccurate XX/XX/2024 Close Date : Inaccurate XX/XX/2024 Payment status Inaccurate These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to support my claim. Please investigate this matter promptly, and update my credit report to reflect accurate information.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear XXXX Customer Service, I am writing to formally dispute the accuracy of the trade line reported for XXXX XXXX on my credit report. Upon reviewing my credit file, I have noticed that this account is inaccurately linked to the address XXXX XXXX XXXX. I would like to assert that I have never resided at this address nor have I had any dealings with this account. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccurate or misleading information in my credit report. Specifically, the account associated with the address mentioned above is not mine and seems to have been reported in error. 

To assist you in the investigation, I am providing the following details regarding the account in question : - **Account Name** : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Moreover, I request that you provide me with the following documentation to substantiate the validity of the alleged debt associated with this account : XXXX. **Proof of XXXX XXXX : Documentation showing the original agreement or contract regarding the alleged debt. 
XXXX. **Insurance Claim on the Debt** : Any records indicating that an insurance claim has been filed regarding this account. 
XXXX. XXXX 's XXXX XXXX XXXX XXXX XXXX ) ** : The original creditors records that verify the validity and ownership of the debt. 
XXXX. **Statute of Limitations Information** : Information regarding the statute of limitations applicable to this debt, including the date of the last payment made on the alleged debt. 

I kindly request that you investigate this matter thoroughly. If you find that this account has been reported in error, I request that it be removed from my credit report to ensure my file contains only accurate information. 

Please confirm the receipt of this dispute letter and keep me updated on the progress of your investigation. I can be reached at [ XXXX ] or [ XXXX ] for any clarifications or additional information you may need.

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, [ XXXX XXXX XXXX ] Enclosures : XXXX. XXXX of Credit Report ( with the account in question highlighted ) XXXX. Proof of Identity ( if necessary )
Product: Credit reporting, credit repair services, or other personal consumer reports

VICTIM of their inquiry issue! 
Customer Service would not help and take care of the negative inquiries reporting. Customer service was Extremely rude and vulgar. 


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

I have sent several correspondences to XXXX XXXX about an open end consumer plan asking for an audit trail of this consumer credit transaction on XX/XX/2021 so that I could dispute the validity of this debt. This transaction is hindering my credit report so I am hoping to check for any billing errors and to see if I was properly disclosed about the use of my credit both pursuant to 15 USC 1601 Truth In Lending Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX REPORTING PUBLIC RECORDS THAT I. OPTED OUT OF FTC VIOLATIONS BY LAW I HAVE THIS RIGHT!!! 
REMOVE ALL PUBLIC RECORD INFORMATION
Product: Credit reporting, credit repair services, or other personal consumer reports

I had car insurance with XXXX XXXX insurance company. In XXXX I was notified rates went up so I switched to XXXX. I thought my new policy back dated to XX/XX/XXXX but I later found out it was set to start XX/XX/XXXX. I was sent a balance letter of {$59.00}. XX/XX/XXXX I was in the hospital and after being released and put on bed rest I put aside sending the payment. I then entered rehab for over a month and when I was able to tend to my affairs I came across a letter from XXXX XXXX XXXX. They were attempting to collect the {$59.00} from XXXX XXXX that wasn't even 90 days owed at the time of the 1st letter ... I had two letters in my stack of mail. At the top of that next month which was XXXX, I sent the credit agency a money order for {$9.00} on XX/XX/XXXX. I know it wasn't much but I'm on Social security and I was attempting to pay so I sent what I could so it wouldn't go to my credit report. That very next day I received another letter from the credit agency that stated they were offering me an 80 % settlement and to call or mail payment, BUT It didnt specify to send payment IN FULL. Its important to note that at this time it was not on my credit. 
On XX/XX/XXXX I received a notification from XXXX XXXX stating my score had dramatically dropped. I checked my report a was blown away because XXXX XXXX XXXX had put the dept on my report AFTER I BEGAN MAKING PAYMENTS. They listed I owed {$50.00} not the 80 % settlement they offered me. Not to mention the original dept owed on my report states {$59.00} not the actual {$59.00}, I know it's only pennies but it's inaccurate. They had no right to place this on my report AFTER I began paying. I'm seeking for them to remove this from my credit report and honor the 80 % settlement they offered me. That will leave me owing as of today XXXX {$38.00}. If they weren't going to honor my attempt to pay and place this on my report then they shouldn't have cashed my money order.
Product: Credit reporting, credit repair services, or other personal consumer reports

Victim of Identity theft and I have credit inquiries on my consumer report I don't recognize or did not authorize. Please see inquiries below : XXXX XXXX ( BANK ) - XX/XX/XXXX, XXXX XXXX ( BANK ) - XX/XX/XXXX, XXXX XXXX BANK XXXX - XX/XX/XXXX, XXXX XXXX BANK XXXX - XXXX, XXXX XXXX XXXX XXXX ( AUTO ) XXXX, XXXX  ( FINANCE ) - XX/XX/XXXX, XXXX XXXX XXXX ( MISCELLANEOUS ) - XX/XX/XXXX XXXX XXXX XXXX ( FINANCE ) XX/XX/XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX,
Product: Debt collection

I received a phone call from a number claiming I had owed money. XXXX from Eastern Revenue called me, and tried to convince me to pay, I didnt believe him until I saw on my credit report that XXXX XXXX had charged me for a class I couldnt take. When I called him to explain the situation he was rude, said he didnt care and he needed that money. I felt co-orced to pay him so I started to until I stopped. After I stopped, XXXX from Eastern Revenue commenced to harass me. He started insistently calling every day, sometimes before XXXX and sometimes it would be anonymous. Im tired and have XXXX  every day from these people who have no soul and are unable to empathize, and have a conversation human-to-human.
Product: Credit reporting or other personal consumer reports

I submitted a dispute request to the credit reporting agencies, I asked for an investigation into an account that is reporting an inaccuracy on my consumer report. The XXXX XXXX account is being reported as a charge off, according to IRS Publication 4681 Canceled Debts, Foreclosures, Repossessions, and Abandonments : the lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in chapter 1. Once again according to the IRS publication 4681, even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. The IRS clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes the reporting of this account inaccurate! I also asked for the following information : 1. A detailed description of the method or process used to verify the accuracy of the disputed charged-off amount on my credit report.

2. The specific documents or evidence obtained and reviewed during the verification process, including any correspondence or communication with the creditor involved.

3. The date on which the verification process was conducted and completed.

4. The name and contact information of the individual or entity responsible for conducting the verification process.

5. Any other relevant information that sheds light on how the accuracy of the disputed charged-off amount was established.

To this day I still have not received the information requested. The balance that was being reported as written off is not the same amount that is on the 1099C form, which is also another inaccuracy. Overall, this company has violated many FCRA laws including : *15 U.S. Code 1681e ( b ) Accuracy of report *15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies and ( B ) Reporting information after notice and confirmation of errors
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexisnexis has incorrect information on my report. Misspelled names and addresses that are not mine. These misspelled names are linked to every address that is not my address. On record 5, lexisnexis reported a birthdate that is not mine. Lexisnexis reported that I graduated from a college in XXXX, at the age of XXXX which is incorrect. Because I graduated from high school in XXXX, at the age of XXXX. There are insurance policies that are not mine. I never owned a XXXX XXXX XXXX. I never owned a XXXX XXXX XXXX. I believe lexisnexis reported a lot of my fathers information on my report. Being that i am a JR. i want every incorrect name off my report. I want every single address that is NOT MINE removed off my report. I live at one address, and that is the address i want reported. I want those insurance policies that are NOT MINE removed off my report. Every phone number listed on my report has never been my phone number. I want those deleted immediately. I want that bankruptcy removed immediately. That is not my public record. That is not my address that is associated with that public record.
Product: Mortgage

A loan mod package was sent to Wells Fargo Bank re entry department and general fax on XX/XX/XXXX.  See attached fax confirmation. WFB is refusing to review the file stating they did NOT get the documents in time. The sale date is set for XX/XX/XXXX. The documents were received XX/XX/XXXX. They  are stating that the sale date is too close to review the info. The inability of WFB to receive a simple facsimile or simply maintain a file is inexcusable. WFB claims it did not receive the info in time. However, not only did we timely send the information, but a successful fax confirmation was kept as a record. The 37 day time frame was met and yet WFB is still not reviewing the documents.

There is no valid reason as to why WFB is refusing to review the file. A complete modification package has been sitting in their institution and they are NOT providing a valid reason as to why they will NOT review the documents. The 37 day time frame is not the excuse when the documents were clearly there since XX/XX/XXXX. Between the misplacement of the financial documents and the poor communication from WFB, it is clear that WFB simply does not want to review Homeowners file for a possible work-out solution. WFB is denying her a workout request based on inaccurate information and refusing to take remedial steps to provide a qualified homeowner with a solution to save the home. By refusing to disclose details about the modification process, WFB is able to deny request at will without any accountability.. It is very apparent that WFB is discriminating against XXXX XXXX and her family based on their race, ethnicity, and national origin. The events described above are just a sample of the practices that are taking place at WFB. WFB appears to be more interested in foreclosing on her home and selling it at auction to make a profit. It appears that WFBs lack of participation in a meaningful modification review of her file indicates a preference to profit directly from her hardship. XXXX XXXX is demanding that WFB review her file.
Product: Credit reporting, credit repair services, 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 XXXX XXXX, XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX, 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 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.
Product: Vehicle loan or lease

I financed my vehicle through Chase Auto Finance. On XX/XX/2020, I received notice in the mail that Chase 's lien on my vehicle had been satisfied and that my account had been paid in full. However, since releasing my lien, Chase has failed to deliver the vehicle 's title to me. I have tried contacting Chase several times to inquire about having the title mailed to my current mailing address. Each time, various different Chase representatives tell me that they will look into the matter, that they will mail the title to my address, or that they will call me back later. None of this has ever happened. As a result of Chase 's inaction and failure to deliver the title to my vehicle, I have neither been able to drive my vehicle nor even register my vehicle so that I can operate it legally. I have also contacted my local DMV for help with this matter, but they are unable to do anything without the vehicle 's title.
Product: Vehicle loan or lease

XX/XX/XXXX Company emailed a letter of the contact retail installment. Vehicle was sold at the auction for a lower value. Car was sold XX/XX/XXXX. The numbers that were given does not match the report.
Product: Debt collection

I have contacted XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX   XXXX states I have a zero balance. XXXX has a record of payment Not In Collections!!!! These dates and agencies Do Not Make Sense. Perhaps they have me confused with someone else. I do not owe XXXX XXXX any debt! They state my address is un-deliverable and I have been at that same address on file for 3 years.
Product: Debt collection

There is so much malfeasance with Citibank nationally and internationally that I am mad my tax dollars helped them to survive. Citibank fails to communicate with consumers when it is obvious they have made a mistake. Instead they coverup and make all seem as if its the consumers fault. 

In cases XXXX,XXXX and XXXX Citibank continues to create havoc with lies, lies lies! I recently reported a P.Vigneault on XXXX XXXX, XXXX who I feel will counter with another XXXX letter about my accounts. In XXXX XXXX I opened the case ending in XXXX. Case in point in the recent letter I received and do n't know why, he/she sent me a thick packet of the closed credit card account doc 's. I did not request this and there was no explanation as to why it was sent. 

Since the bureau in early XXXX XXXX accepted and sided with Citibanks explanation on why/when a payment is made there is no reason why a consumer needs to be informed when a payment is made, what the current balance is. Why and who ask XXXX to send me the huge packet beats me. I assumed the bureau accepted the very weak explanation why consumers do n't need to know what their ending balance is. So guess its ok for Citibank to have a consumer just pay, pay, pay. 

So, XXXX collapsed this case with the case ending in XXXX where a client liaison XXXX XXXX XXXX admitted in the XXXX XXXX, XXXX response that Citibank made a mistake purposely sending my payments ( account # written in the check memo section ) to the credit card account, and calling me a liar or as they put it when the case was opened, " XXXX XXXX claimed ... ''. In the fourth paragraph he stated " please allow 7-10 business days for the payments to be removed and reapplied to the checking plus account '' then he sent my account to collection agencies. XXXX XXXX seemed to feel the pressure of his lies, and referred the case to XXXX who is a regulatory complaint specialist to make all look as if I defaulted. 

In his/her XXXX XXXX, XXXX response XXXX stated in paragraph XXXX " in XXXX XXXX the error was corrected and the payments were transferred .... and posted as of the date they were received. There was never a letter letting me know this. Instead in the last paragraph he/she stated " It will be necessary for you to contact XXXX XXXX XXXX to discuss settlement options that might be available ''. 

These people must be on an opioid! Let 's face it Citibank, you cashed the checks in a timely fashion but, lied that they were never received then, covered up the checks were " erroneously applied to the credit card account ' ending in XXXX. Then Citibank stalled and procrastinated forl six months jerking me around, where I had to involve my Congressmen.For spike of involving my Congressmen Citibank sent the account with the new reduced amount of {$450.00} to a collection agency. Anyone who is a " logical '' thinker would see this is a coverup. So Citibank man-up and admit the truth, you lied.
Product: Mortgage

I am in a loan modification through my mortgage company. 
When i started the loan modification, they told me I have to make my payments on time for 12 months and if I fall behind, they can foreclose. 
The loan modification took effect XXXX XXXX, 2015. 
Soon after, I started receiving notification that I was behind on my mortgage. 
I have made my mortgage payment each month like I am supposed to. 
I have called each month and each month they assure me it will be taken care of. 
Then approximately two weeks ago I received a phone call and the representative told me I was behind, I tried to explain to him that it is a book keeping error on their part, but he told me I was wrong and that I was 30 days past due. 
I have researched my payment history on their website and told them what they did is dishonest, but they wo n't fix it. 
They have no interest in fixing the problem, they want to foreclose. 
This is what they did : They took one of my mortgage payments and split it. They applied a large sum to the escrow account and put the remaining amount in a " suspense '' account. 
When I call in and say I want to make my mortgage payment and the representative processes it for me, how can they take my mortgage payment and split it up like that? 
My bank statement shows I have made all my payments, but they took my mortgage payment and applied it to things I did not approve. And where is the money in the so called " suspense '' account? I wrote to you months ago with another issue and explained then, that this is how Nationstar operates. They want to foreclose on our home and are pulling every trick in the book to accomplish their goal. I have contacted an attorney and he said we could join the class action, but it would n't happen quickly enough to save my home, but I could be compensated later. While I intend to pursue that, it does not prevent foreclosure on the home that my children have grown up in. Their growth charts are etched in the doorways, their names carved into the trees, their little footprints in the concrete, all the memories, everything will be lost. This company is disgusting. They are criminals. They are bullies. What is it going to take to stop them?
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is showing an account reporting to my consumer report that I have know knowledge of. Also they have my personal information incorrect. I have my dispute letter attached to my complaint along with my consumer report. I am aware of 15 U.S. Code 1681c2 - Block of information resulting from identity theft, SECTION ( a ).
Product: Credit reporting

Hello, XX/XX/2016, I printed my free credit report from Experian. Going through the report under the section ( other personal information associated with your credit, social security number variations ). There is a social security number that is not mine. It does not belong to any member of my immediate family. I need it removed and all credit reporting information associated with this social security number.
Product: Mortgage

I have been contacting XXXX XXXX sine XX/XX/XXXX I was final advised that an older will had been provided by one of my siblings. This plus the proof a appointment as personal representative. As of XX/XX/XXXX they still have not accepted the court forms from the Utah State First District Court.
Product: Credit reporting or other personal consumer reports

I have sent multiple letters, which I have attached with this claim, over the time frame of XXXX XXXX to XX/XX/XXXX. They have not deleted the incorrect items, nor have they answered my questions on to how it was verified, who verified it, or provided the proof that was used to verify the items. They are violating the law. These items need to be eliminated from my credit report immediately. Transunion started just sending me the exact same letter back to me the last few times, which clearly was a show of no work being completed.