23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Please.Read the attached. This is a letter that explains everything it was sent to XXXX XXXX and COLUMBIA DEBT RECOVERY. During this dispute over {$1000.00} has been eliminated due to being unproven. 
A payment was made to XXXX XXXX  in XX/XX/XXXX about XXXXdays after i moved out XX/XX/XXXX. The apartments are saying they didnt get the payment but i showed proof. The collections agency and the apartments both refuse to accept my proof of payment even though it shows the amount paid {$1900.00}, date XX/XX/XXXX, who it was sent to XXXX  Receiver Code XXXX, how much was old after payment was made {$0.00}, it even shows my name XXXX. The apartments requested I go back to XXXX and request another receipt from XX/XX/XXXX. They say it's unclear which is false, they are striving to not continue to fix their inaccurate information and take money from me. I went to XXXX with the information you all provided me, the cashier put in XXXX 's reviever code, located the company account and I paid CASH to them and got the attached receipt. I am not responsible for the account/relationship between XXXX and XXXX XXXX. 
I asked the collections company to NOT put debt on my credit while in dispute as of XX/XX/XXXX they did anyway. XXXX told me they wouldn't send the acct to collections and the collections agency told me they wouldn't report it, once we resolved the dispute I could set up a payment plan which will keep it from my credit. Both Lied!
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern all 3 bureau TransunionXXXX XXXX and XXXX are reporting misleading and false information on my credit report. They are in violation of 15 usc 1681b ( a ) ( 2 ). Which states that a consumer reporting agency can only furnish a consumer report with my written instructions. I am seeking litigation for my rights being violated and the stress that all 3 bureau have caused. I demand any unauthorized misleading inquires and negative accounts that are negatively reporting on my credit report be removed. And all inaccurate late payments be correct to payed as agreed.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX Balance {$1000.00} XXXX XXXX  XXXX XXXX Balance {$6800.00} XXXX XXXX  XXXX XXXX Balance {$6700.00} XXXX XXXX XXXX Balance {$4500.00} XXXX XXXX Balance {$1800.00} XXXX XXXX  XXXX XXXX Balance {$2000.00} XXXX XXXX  XXXX XXXX Balance {$15000.00} XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance {$1000.00} XXXX XXXX  XXXX XXXX Balance {$6800.00} XXXX XXXX  XXXX XXXX Balance {$2000.00} XXXX XXXX Balance {$1200.00} XXXX XXXX  XXXX XXXX Balance {$15000.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 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 XXXXXX/XX/XXXX
Product: Vehicle loan or lease

The lender is failing to servicing the loan appropriately. The vehicle was purchased in California and is now in Vermont. I processed a state to state registration transfer ( from California to Vermont ) The lender has been requested by the Vermont DMV to provide documentation for the state to state transfer for registration purposes. I have called US bank repeatedly to provide the address where the vehicle is located and they have have failed to record the physical address or to send the appropriate state to state transfer to the DMV in Vermont. I have called them to request this paper and to provide a physical address several times XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. US Bank still fails ( despite assurances that they have ) to update the physical address so that they can send the necessary paperwork to the Vermont DMV. I have called again today XX/XX/XXXX and spoken to XXXX ( # XXXX ) and like previously, she has assured me that the physical address has been updated ( this is not the first time I have been assured of this ). I have lost any and all confidence that US Bank can service my loan appropriately. Due to this mismanagement on their part, I have been unable to register the vehicle in Vermont.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma reported a wrongful information for me to apply for a credit card, and it had affected my credit score to drop, it stated that I have an excellent chance of getting approve for XXXX XXXX credit card, which I did went by what they send me and apply. And I did not get approve. But credit karma did stated, that I have an excellent chance of getting pre-approved for the card. Now, It has a hard inquiry on my credit report and drop my credit score. Please help. I have been trying to improve my credit score for a bigger goals to purchase a home, and put a trust in credit karma to help me, but I did not know the outcome will turn left for trusting credit karma. Thank you. 

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

In acordance with Fair credit Reporting Act ; these accounts has violateAd my federal protected comsumer rights to privacy and confidentiality under 15 USC 1681. accounts 1. XXXXXXXX XXXX XXXX XXXX , 2.XXXX XXXX XXXX XXXX, 3.XXXX XXXX XXXX XXXX  4. XXXX Rights violated :15 USC 1681section 602 right to privacy 15USC 1681 sec 604 sec states a cusmer reporting agency can not furnish a account without my written instructions.15USC 1861 ( c, a,5 ) no CRA may make any consumer report contain any information adverse other than record of conviction. 15 USC1681 s-2 a,1 a person shall not furnish any CRA if person know or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Around XX/XX/XXXX I attempted to close my credit account with Wells Fargo. 

Believing the account closed, I securely disposed of my card. 

Around XX/XX/XXXX my closed card was charged from a streaming service that was authorized to make a charge by me in the previous year. This charge was {$59.00}. I had not taken steps to stop this transaction because I believed the credit card to be inactive and unable to be charged. 

Upon calling Wells Fargo around XX/XX/XXXX, I was informed the account was not closed and I ended up asking the account to be closed again. They said the charge was going to be disputed with the streaming service merchant. They " closed '' the account. 

On XX/XX/XXXX I was informed that I needed to affirm my " new credit card '' from Wells Fargo. Upon inspecting the web portal it became apparent that Wells Fargo had issued me a new card, without any authorization from myself, for my " closed account. '' On XX/XX/XXXX I called Wells Fargo a third time. They informed me the account was still not closed and were surprised to hear I had not requested another card. I asked them if the account was closed. They said no. I had them " close '' the account once more. To my knowledge the {$59.00} is still being disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Equifax, XXXX, and XXXX that are reporting bankruptcies on my credit report to disclose method of verification on the alleged bankruptcies they are reporting. All have replied to me claiming that XXXX XXXX verified the information. 
Appalled by that information, I went directly to XXXX XXXX Courts and in response to my inquiry they all claim to have NEVER verified any of this information with any of the three credit bureaus listed above. This would mean that as of XX/XX/2022, these alleged bankruptcies are considered UNVERIFED. 
I am aware, the FCRC states the following : A CRA must remove inaccurate or unverified information from its files, usually within 30 days after disputing. However, the CRA is not required to remove accurate data from your file unless it is outdated ( as described below ) or can not be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1692e any nonprofit organization which, at the request of consumers, performs bona fide consumer credit counseling and assists consumers in the liquidation of their debts by receiving payments from such consumers and distributing such amounts to creditors ; and 15 USC 1692f any person collecting or attempting to collect any debt owed or due or asserted to be owed or due another to the extent such activity ( i ) is incidental to a bona fide fiduciary obligation or a bona fide escrow arrangement ; ( ii ) concerns a debt which was originated by such person ; ( iii ) concerns a debt which was not in default at the time it was obtained by such person; or ( iv ) concerns a debt obtained by such person as a secured party in a commercial credit transaction involving the creditor. 15 USC 1692a Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 USC 1692B ( 4 ) ) The advertisement for sale of any debt to coerce payment of the debt.
Product: Credit reporting or other personal consumer reports

TransUnion response to consumer complaint # XXXX did not include the steps they took, or will take, to address your complaint. 
TransUnion is actively and purposely engaging in an evasive and stalling tactic requesting information about what the consumer 's complaint is about. TransUnion is well aware of the purpose of my complaint and their FCRA consumer reporting violation. I, the consumer have submitted my complaint at their website where a have a vetted verified account without a resolve. TransUnion failure to resolve this issue is what has led to the CFPB filed complaint. The most previous CFPB filed complain concerning this matter was filed on XX/XX/year> Complaint # XXXX no resolve. TransUnion must according to FCRA consumer reporting remove any and all incorrect information from the consumers ' credit file including all past history of such incorrect information. Furthermore, TransUnion has exceeded 90 days to clear this matter up.
Product: Mortgage

XXXX XXXX is responsible for my mothers reverse mortgage.My mother passed XXXX XXXXMy siblings and myself are on the deed.XXXX has not been willing to share any info on the status of the loan.My mothers death certificate was sent.A third party authorization form was submitted.They still won't release any info.I have requested a 3 month extension to sell the house.The necessary info has been emailed to XXXX 3 times.Their site states if any other info is needed that they will contact you.Every time I call they tell me they can not release any info to me.XXXX XXXX is the 6 month grace period.I need to know if they will just show up to claim ownership.Both my sister and I have spoken on the phone to their representative numerous times.Today the rep asked if I had gone to court to establish right to know.Never heard this before.Was instructed to submit third party authorization form for release of info.Was also told to resend all info a couple of weeks ago. Can not believe this company was hired by hud.They should not be involved in any reverse morgages.Original reverse mortgage was thru XXXX XXXX XXXX.Have been sending info since XX/XX/XXXX to XXXXCan they just show up to claim ownership? Please help!!!!!
Product: Mortgage

In XX/XX/XXXX a trial period was agreed upon by both parties in which three installments were to be made in consecutive months to commence the loan modification process with the new 2.5 % interest rate. This was paramount for me because I had been unemployed for 19 months ( XXXX XXXX XXXX  ) and needed my income to justify any modification. Over the course of six months the only delay in making the modification official was a lien handed down on my property that I wasnt notified of until XX/XX/XXXX. I acted swiftly to pay this which led to the release of the lien in XXXX of XXXX. I continued to call to pay my modified mortgage and asking for an update to my modification but only words followed ( as opposed to the action promised each time ). Its makes no sense for XXXX more months to elapse without any guidance, direction, or expectation set but this is exactly what transpired culminating in the the most gut wrenching phone conversation ever to occur in my life when a call to pay my XXXX mortgage informed me that the documents had been delivered and since more than two weeks had elapsed since distributing them a new modification would need to be enacted. Apparently they had been sent while I was away. How could a reputable business allow so much time to elapse without presenting any other explanation than we have thousands of loan modifications to deal with? To ask a hundred questions with only a few actual answers received over the course of XXXX months is completely preposterous! Well, sir, we dont work with that department isnt acceptable feedback to acknowledge before, during, or after this process. Now I have to somehow accept a 6.0 % interest rate and a {$40000.00} delinquency amount because the trial period payments were significantly lower than my previous mortgage ( pre-CoviD ) amount. Standards are quintessential in business arrangements and its clear that my HomeLoanServ coerced me to believe I was getting ahead only to end up further behind than I initially started in XXXX of XXXX.
Product: Credit reporting or other personal consumer reports

Dear Credit Bureau XXXX, XXXX, Equifax I am A Victim of Identity theft I am want to request updates to my personal information and to ensure the accuracy of my credit due to credit report and identity theft in compliance with the Fair Credit Reporting Act ( FCRA ). 

Please update my personal information as follows : Name Update : Please update my name to XXXX XXXX XXXX. Attached, you will find supporting documentation for this change. 

Address Update : Please update my current address to the following, which is accurate and deliverable : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth and Social Security Number Confirmation : For your records, my date of birth is XX/XX/1990, and my Social Security XXXX XXXX XXXX. 

This information is critical for accurately maintaining my credit file. 

Removal of Previous Addresses : I also request the removal of all previous addresses associated with my credit report. These addresses are not deliverable by the US Postal Service, and fraudulent due to identity theft making them inaccurate and not reportable under the FCRA. Ensuring that these addresses are removed will help in maintaining the accuracy and integrity of my credit information. 

I trust that XXXX, Equifax, and XXXX will take prompt action to update these details and remove the inaccurate information as required by law. Enclosed are copies of documents that verify my identity and support the requested changes ( e.g., government-issued ID, utility bill for the new address, Social Security card ).

Please inform me in wrong once these updates have been made to my file. Should you require any additional information or documentation, feel free to contact me.

Thank you for your attention to this matter and for your cooperation. 

Sincerely, XXXX XXXX XXXX Attachments : Proof of Identity ( Copy of Driver 's License or Passport ) Proof of New Address ( Utility Bill, Lease Agreement, or similar
Product: Credit card

Chase XXXX is reporting a credit card account that has been opened fraudulently. I am a victim of Identity Theft and had been in contact with Chase in XXXX 2015 when they called me to verify whether I had applied to this account. The Chase Bank representative was XXXX XXXX XXXX. I am in the process of purchasing a home and I have recently gotten an alert that this is now negatively impacting my credit rating. I need this resolved immediately. This account needs to be deleted off my credit file.
Product: Credit card or prepaid card

Deposited approximately {$10.00}, XXXX from divorce settlement into secured credit card account with Wells Fargo. Account was closed and money was not returned. Approximately XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I already submitted a letter requesting the XXXX to report the XXXX MORTAGEas closed in my credit report and they haven't corrected the issue. The letter send to my credit report belongs to the first mortgage not the second XXXX.
Product: Vehicle loan or lease

Mechanics Bank/XXXX XXXX illegally repossessed my vehicle from a locked gate after my Chapter XXXX was discharged during a stay at home order during Covid-19. I was ready to pay the car off. Mechanics Bank claims I own {$10000.00} on the car when I only owe {$5200.00}. 
I tried calling and they didn't find an account on me. But my bankruptcy attorney spoke to them thus how the claim i owe XXXX on the car. They took my car the night of the inauguration. I've had difficulty with health and lost income since the pandemic arrive and that is why my attorney converted my bankruptcy to a Chapter XXXX. 

I just want help getting my car back since the tow company trespassed on private property and took the car without security permission and my landlords permission.
Product: Credit reporting or other personal consumer reports

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My employer received a writ of garnishment on me for a credit card through citi bank. I did have a credit card in XX/XX/XXXX and possibly still owe the debt. However, the judgment is through XXXX XXXX XXXX through an attorneys office. The judgment date on the court document says XX/XX/XXXX but the order was signed XX/XX/XXXX. The card was last used in XX/XX/XXXX. However, the XXXX company could not provide me with any information other than it was a Citibank account. I offered to pay a settlement and they countered with a settlement I am not willing to pay. I was not notified in person, phone, or mail of this debt, only from my employer who received the writ in the mail. The statue of limitations should have expired in Arkansas. Also, the company has been unable to provide me with any information regarding my account with Citibank other than that I owe a debt.
Product: Vehicle loan or lease

Dealing with Hyundai Motor Finance, I had traded in my car on the XXXXXXXX XXXX XXXXXXXX and since then filled out and emailed a cancellation form to Hyundai Motor Finance XXXX. 

I received a cancellation confirmation for an " Extended Vehicle Service Contract '' & a " GAAP '' contract on the day of XX/XX/XXXX. 
For the vehicle with the last XXXX of the VIN Number XXXX Roughly, the value of the refund of these contracts is close to {$2400.00}, per my confirmation after calling Hyundai Motor Finance XXXX 

On the day of XX/XX/XXXX, XXXX confirmed that they received that amount from the selling dealer ( XXXX XXXX ) and will issue myself a refund. This amount was also reflected in my online account under www.hmfusa.com Unfortunately, they are extremely shady, and upon receiving a {$100.00} cheque from XXXX, I logged in to my account on XX/XX/XXXX, and saw that the earlier statement that showed that XXXX had received a payment in the amount of ~ {$2400.00} is no longer there. 

To top this all off, when I initially traded in the vehicle, XXXX claimed that I was unable to request a refund for these services and in fact that they do not provide a cancellation process for this matter. Only by the intervention of the dealership that purchased my old vehicle, was I able to get the ball rolling. 


I am in desperate need of the XXXX dollars and some change, and have even considered filing a small claims lawsuit due to my situation. 

XXXX will be avoided and so will their products in the future, no matter how good a deal it may sound like
Product: Credit reporting or other personal consumer reports

Credit Bureaus have never responded to my multiple emails since XXXX. I have been expecting their correspondence for the past 60 days, however, until now no updates have been provided from these agencies regarding these accounts below : XXXX. XXXX XXXXXXXX Account # : XXXX XXXX. XXXX XXXX Account # : XXXX XXXX. XXXX XXXXAccount # : XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX. XXXX XXXX # : XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX. XXXX XXXX XXXX XXXX # : XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  )
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX I tried signing on to my account starting on the XXXX. By the XXXX I was forced to send by mail. My payment is due on the XXXX. It arrived to TD financial yard card on the XXXX. The payment was for XXXX. Only XXXX due. I have paid over since the loan started. They charged a XXXX dollar late fee and doubled my payment even after they received the payment. After XXXX hrs on hold I finally was able to speak to someone. After an hr they said it was all taken care of. Late fee was removed and payment was back to normal. This month there are now XXXX late fees and still double my payment. I have now spent over XXXX hrs on hold and spoken to no one. I complained online to them and all they gave me was a number to call that puts me back on hold. I am in the process of trying to move this loan to another establishment, but these people should be fined or closed down for illegal operation.
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 XXXX. 

Account Name : 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
Product: Checking or savings account

I had to reopen XXXX claims because the company first reimbursed my funds but than restricted my account so XXXX cant access those funds anymore, Im asking Bank of America to issue me provisional credit for these transactions please