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

SENT VIA CERTIFIED MAIL - RETURN RECEIPT REQUESTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attn : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, IL. XXXX CC : XXXX, XXXX, and TransUnion Re : Dispute of Inaccurate Credit Reporting - Account # XXXX To Whom It May Concern : I am writing to formally dispute the accuracy of information that XXXX XXXX  has reported to the credit reporting agencies regarding an alleged debt. This letter serves as my formal dispute under the Fair Credit Reporting Act ( 15 U.S.C. XXXX ) and the Fair Debt Collection Practices Act ( 15 U.S.C. XXXX ). 
FACTS : XXXX XXXX is currently reporting on my credit report that I have an outstanding debt with your company. 


When I contacted XXXX XXXX directly about this matter, I was informed that this alleged debt had been placed with XXXX XXXX XXXX for collections. 


I have contacted XXXX XXXX XXXX multiple times regarding this alleged debt. They have consistently confirmed that they have NO record of any debt associated with my name or personal information. They can not locate any account for me in their system. 


This creates a direct contradiction : XXXX claims the debt exists and has been sent to XXXX XXXX XXXX, while XXXX XXXX XXXX has no record of such debt. 


DEMAND FOR IMMEDIATE ACTION : This situation constitutes false and inaccurate credit reporting which violates the Fair Credit Reporting Act. The reporting of a non-existent debt is fraudulent activity that is causing harm to my credit standing and financial reputation. 
Therefore, I DEMAND that XXXX XXXX immediately : Cease all reporting of this fraudulent debt to all credit reporting agencies. 


Remove all negative information related to this allegedly transferred debt from my credit report with ALL credit bureaus. 


Provide written confirmation within 30 days that this fraudulent reporting has been removed from my credit reports. 


Send written confirmation of these actions to my address : see attach, as well as email the confirmation of deletion to see attach. 


Please be advised that under the Fair Credit Reporting Act, you are required to investigate this dispute and correct any inaccurate information. Failure to comply with this request may result in further legal action, including but not limited to filing complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission, and the Delaware Attorney General 's office. 
I expect a written and emailed response addressing these issues within 30 days of your receipt of this letter. 
Sincerely, Enclosures : Copy of credit report showing the disputed item cc : Consumer Financial Protection Bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV Funding is trying to collect on a debt that is not mine! I recently received a letter stating that I had a collection for a XXXX XXXX account and it had an outstanding balance of {$1500.00}. This is absolutely ridiculous! I have never opened an account with XXXX XXXX so there is no way that this debt is mine. The debt clearly belongs to someone else and they need to figure out who because I should not be facing the consequences for someone else 's mistakes. This needs to be removed immediately from my credit and the debt should go to the correct person.
Product: Vehicle loan or lease

The company was payed an amount but updated on my credit the original amount of loan with additional fees. I contacted them about this and was told they no longer have my account and sold it. They never updated about the payment they received but did update additional late charges. They confirmed the payment received on my behalf also. I asked to get a letter to show everything from this and havent received anything from them yet. Its been a couple months
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in disputing all incorrect information on my credit report with experian. please delete all incorrect data asap to update my file.
Product: Mortgage

I closed on a property in XXXX and financed it with XXXX XXXX, which uses The Money Source for handling the mortgage payments. 
My first payment was due on XX/XX/2020, and I decided to pay in advance ( XX/XX/2020 ) like I typically do. On XX/XX/2020 I received a letter informing that my mortgage was being transferred to XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX XXXX and that any payments made would be transferred to them within 60 days. 
I have been in contact with The Money Source representatives and supervisors since mid XXXX and I still can not get an answer about where my funds are and when they will be transferred. 
XXXX XXXX, the new service provider, keeps calling me every single day asking about the XXXX payment. With my 60 day protection expiring this weekend, I'm afraid I will start getting late fees and my credit score will be impacted. 
The Money Source is not getting back to me with a solid answer and it seems like no one there knows what's going on.
Product: Credit reporting or other personal consumer reports

I reached out via the XXXX dispute center through XXXX XXXX to XXXX XXXX, Midland credit management, and XXXX  XXXX to remove derogatory marks and late payments due to no knowledge or agreement to those companies to pay alleged debt and they could not verify the debt because they didnt have all my information nor could they explain how they acquired my alleged debt. And XXXX  XXXX to remove previous late payments once my account was brought current as part of the repayment plan. None of the marks were removed within 30 days of dispute and currently still sit on my credit report making it difficult to obtain a fair credit report needed got daily life.
Product: Debt collection

The Company claimed that there was damages that was already there, on the day of move-in. 
The company made the debt the same amount as the deposit which I never received back
Product: Bank account or service

I am the President of XXXX XXXX XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. I bank with XXXX. 
I initiated a domestic wire XXXX {$89000.00} XXXX on XXXX XXXX, XXXX to Wells Fargo Bank with the correct name of the beneficiary and his address. I incorrectly put my client 's loan number as the beneficiary 's account number. On XXXX XXXX, XXXX I called my bank to recall the wire. My bank has told me they will not provide Hold and Harmless as required by Wells Fargo Bank. We called Wells Fargo and offered to provide Hold and Harnless with our Error and Omission policy. Wells Fargo called me today XXXX XXXX XXXX, XXXX ) and said that will not return the money until they receive Hold and Harmless from XXXX.
Product: Debt collection

I have been told since XX/XX/2018 that a collections debt on my XXXX  credit report would be removed and that it would take 30 days. Now 90 days later is remains on my XXXX report. I WANT IT REMOVED TODAY! I have talked with a manager with Credit World and still this is not resolved.
Product: Debt collection

For over a year, I have been filing a dispute with transunion Credit Bureau about a collection account with XXXX XXXX XXXX that they keep saying is verified but have not provided me with the proper documents I have even asked Transunion how did they verify this debt they will not respond to me I have told Transunion that the company which is XXXX XXXX XXXX will not respond to me to give me the proper documents and since the debt collector wont provide me with what I am entitled too that they should delete the collection account Transunion keep ignoring my request and allowing this unverified debt to sit on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM THE VICTIM OF IDENTITY THEFT AND ATTEMPTED TO GET  XXXX  ACCOUNTS BLOCKED VIA FCRA  605B.   XXXX . )  XXXX   XXXX   XXXX . )   XXXX   XXXX  . THEY HAVE MADE IT EXTREMELY DIFFICULT TO GET THIS BLOCKED. PLEASE HELP
Product: Debt collection

Franklin Collection Services reported, on multiple occasions, to all three credit bureaus that I owed a d ebt to   XXXX   XXXX   XXXX   that was paid directly to   XXXX   XXXX   XXXX  . I never received any notification from Franklin, I wrote asking for validation and never received a reply and disputed with the credit bureaus, including submitting proof of my payment directly to   XXXX   XXXX   XXXX  .  Franklin Collection  is still reporting this collection to all  XXXX  bureaus, although they have now changed the balance to {$0.00} with  XXXX .
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act you are reporting information that is a violation of FCRA 1681b ( a ) ( 2 ) Equifax, XXXX XXXX, XXXX. 

Trade - XXXX XXXX XXXX  Trade - XXXX XXXX XXXX XXXX Trade XXXXXXXX  Title 15 USC Section 602 states I have a right to privacy.

Title 15 USC Section 604 states a credit reporting agency can not furnish an account without my instructions.
Product: Credit reporting or other personal consumer reports

I filed a complaint with thXXXX XXXX XXXX XXXX XXXX XXXX  ) against XXXX XXXX XXXX XXXX, but after a month, the XXXX closed the complaint as unanswered due to XXXX  XXXX 's failure to respond or provide validation of the debt. Your agency also failed to validate this account, and by law, an unverified account can not continue to be reported on my credit report. 

XXXX XXXX violated the Uniform Commercial Code ( UCC ) by repossessing my vehicle without proper notice of default, denying me the opportunity to cure the default, and failing to conduct the sale of the vehicle in a commercially reasonable manner as required by XXXX Article XXXX. Additionally, XXXX XXXX  business registration in Texas is currently inactive, meaning they lack the legal authority to transact business or report debts to credit bureaus. Their actions also violate XXXX XXXX XXXX XXXX ( XXXX ), as they engaged in an unfair practice by repossessing without a present right. 

Due to these violations and the unverified status of this account, I am requesting the immediate deletion of account XXXX from all credit reporting agencies. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address andSSNCard.
Product: Checking or savings account

Check deposits not available funds availability act violations. Check 21 violations
Product: Credit reporting, credit repair services, or other personal consumer reports

CHILD IS NOT A REVOLVING OR AN INSTALLMENT DEBT. CHILD SUPPORT DOES NOT ISSUE CREDIT CARDS OR LINES OF CREDIT, THEREFORE IT CAN NOT BE A REVOLVING DEBT. CHILD SUPPORT HAS NEVER GIVEN ME A LOAN. CHILD SUPPORT IS NOT AN INSTALLMENT DEBT. CHILD SUPPORT HAS NEVER ISSUED TO ME ANY CREDIT, THEREFORE HOW CAN THE DIVISION OF FAMILY SERVICES HAVE A LIEN ON MY SOCIAL SECURITY NUMBER. MY CHILD 'S MOTHER HAS NEVER AGREE TO HAVE ME IN BONDAGE TO THE DIVISION OF FAMILY SERVICES. THIS IS UNLAWFUL AND IS TOTALLY AGAINST THE XXXX XXXX XXXX. I ASK SOMTHING BE DONE ABOUT THIS.
Product: Debt collection

This company was sold to another company and both of them as added to my credit spring Oak capital LLC
Product: Credit reporting or other personal consumer reports

XXXX XXXX : This account has been disputed 3 times. I have asked for verification of late payments. I have not recieved an account ledger from the creditor. I demand proof of this account if it is being furnished on my report. Please delete immediately! 

CCBULTA XXXX : There is no notice of dispute marked on this account, yet it has been disputed 3 times. Under 1666b- billing error- I demand a copy of my statements sent 21 days before my due date. I demand method of verification. Please update to pays as agreed, never late. 

XXXX XXXX account numbers on XXXX XXXX XXXX and XXXX report all student loans with no late payment history. This account has been disputed 3 times, yet there is no notice of dispute. I demand equifax provide me with proof of the erroneous late payments. All accounts should match across all three credit bureaus. Update to pays as agreed, never late. 

XXXX XXXX : This account has been disputed 3 times, yet there is no notice of dispute. The open date is inconsistent across all three bureaus. Terms is incomplete. High balance is inconsistent. Date of last activity is incorrect- manipulating the statute of limitations. Payment history is inconsistent. The account was closed in XXXX of XXXX yet XXXX reports late payment history until XXXX of XXXX. I demand the removal of this erroneous account or I will be seeking arbitration.
Product: Bank account or service

I bank at capital one 360 and I had XXXX credit cards through them as well. They have in the last two months just withdrawn first in XXXX {$170.00} and then in XXXX {$190.00}, Which I did not authorize them to do. I have called 6 times in the last few weeks to get it straightened out.However, each time i am told that it will take 5 days to send back. I then wait 5 days and nothing happens. So I call back and get the same dog and pony show as the time before. I have all the chat messages saved as well as the last phone call which i was put on hold for 30 mins and was on the phone for almost 3 hours which i talked to 6 different people and had reexplain 6 times why i was transferred, I did not authorize them to take the money and this last call she said i would not receive money back even though i have a transaction code from them ( Screen shotted from there own chat ) saying that the money was sent back to me which never happened.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again.XXXX XXXX XXXX XXXX Balance Owed : {$550.00} XXXX XXXXXXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed XXXX {$130.00}
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX in charge care of children in our school Im in the process of purchasing a house and this debt is preventing me from doing so. I dont have a contract with this company nor have I ever done business with them. Please have them remove their collection from my report. Thank you for your help in advance.
Product: Credit reporting or other personal consumer reports

To my absolute dismay, I found inaccurate accounts on my credit report this afternoon, and I have no clue how they got there. I checked my credit report like I always do, only to be confronted by discrepancies that seemed to come out of nowhere. I hoped it was just a temporary glitch and refreshed my browser, but the inaccuracies remained. Given this troubling situation, Im pleading for a detailed check of the documents Ive submitted to prevent this from ever happening again.
Product: Vehicle loan or lease

Car Mart sold this account or transferred this account to Colonial Finance. I was a cosigner on this account. The vehicle was purchased at the XXXX XXXX XXXX. That location has been known for its shady practices. When I originally went in my kids father was already there and called me up there because they needed my income since he didnt make enough money is what they advised him, the sales rep advised they just needed my information because my kids dad did not make enough money, they never explained they were adding me on the loan as a cosigner until it was time to sign papers. They added seasonal fees into the loan, something I never heard of before was an extra {$400.00} added on to his original payment that would need to be paid twice a year. The vehicle gave him so many issues that they refused to fix and advised he had to pay out of pocket along with still making his car payment even though the vehicle was not in running condition. When me and him split up he ended up taking the vehicle back to them which they sold at auction. They sent him a notice for court for the vehicle but never garnished his wages for it. Once I found out it was on my credit report, I called and requested proof of how much they sold the vehicle for at auction but all I got was the run around and they never sent the information to me. I spoke with the supervisor XXXX who advised me over the phone the vehicle was sold at auction for {$500.00}, the date it was sold was not provided and still, she never sent me proof in writing how much the vehicle sold for. Instead she offered me a settlement on the account for {$1500.00}. At the time I did not have the money to pay that. Months later I contacted her back and offered {$1200.00} to settle the account because I was speaking with a lender to purchase a home for me and my kids and they advised me the account had to be paid first so I contacted her back and set up a day to pay it and it was paid by me on XX/XX/2021. I did not know about credit at that time but now have found at they violated FCRA laws by not providing me with documentation when I requested it. That location has so many complaints on XXXX and nothing has been done about their shady practices. I would like this account removed from the credit bureaus since they failed to provide me with proper documentation when I asked for it and the fact the manager advised via phone once I paid the agreed settlement on this account the account would be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having difficulty getting Equifax to change my name on my account. I am a XXXX  man and I have legally changed my first and middle names. After my legal name change, I updated my name with my lenders ( e.g. mortgage company and student loan ). XXXX  and XXXX   updated my accounts accurately. Equifax made an error that made it look like I had no credit history. I spent several hours on the phone with them in 2018 trying to fix the error. Each person I talked to gave me different information about how to fix it. I followed all of their directions and submitted a dispute and mailed in all required documents. I know they received these documents because they confirmed on the phone to me that they have had my name change information since XX/XX/2018. I understood the problem to be fixed, but then this week I was denied a car loan because my name on my ID does not match my name on my Equifax report. I have spent several hours on the phone with them and again have received different advice from each person I talked with. Once person told me that the problem was that I still had my old name on an existing account, but the next person I talked with confirmed that this is not the case and my name is updated on all current accounts. Another person told me that she had fixed the problem and told me I would receive an email confirmation. My old name still appears on myequifax.com and I have not received an email. If this does not get fixed in the next couple of days I will lose my car. I understand that they have 30 days to correct any information. Their position is that they should have 30 days from yesterday when I contacted them with this information again. However, by their own admission they have already had this information for 638 days. I want to give them the benefit of the doubt that this is a bad clerical issue and not an lack of competency in working with trans people. However, when I asked a supervisor about it she acknowledged that they have had no formal training or guidance on working with trans people and she seemed to be confused when I expressed frustration at how often I was addressed as Ma'am by Equifax employees while trying to get this addressed.
Product: Mortgage

My home was foreclosed on XX/XX/XXXX by M & T Bank. I had a " Get Started Loan '' with them I found information that they have a law suit against them with this same kind of loan and during the time my home was in foreclosure the lawyers that was handling case also had a law suit against them and I was not notified of this information, only that they changed there name, XXXX XXXX XXXX now The XXXX XXXX XXXX. I am asking for my loan to be looked into from XX/XX/XXXX to XX/XX/XXXX. 
Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have requested to verify a late payment made in XX/XX/2020. 

I have never been late and this is affecting my ability to get approved for a mortgage loan. 

This is not okay and I do not approve of this reporting when this is highly inaccurate. 

Please get this resolved as soon as possible.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : 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 or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I have a late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on any payments. I've attached a copy of my report to this complaint on the following date of XX/XX/22. I'm now requesting you investigate the XXXX XXXX XXXX  account and update this payment to paid on time immediately. Thank you for your understanding and prompt action. 

15 U.S. Code 1681e ( b ) Whenever 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.
Product: Debt collection

I am writing to file a formal complaint regarding a collection account labeled XXXX XXXX XXXX XXXX XXXX XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my XXXX XXXX and is taking a considerable toll on my overall well-being, leading to significant stress and anxiety. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my XXXX XXXX. Additionally, the stress and anxiety that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.