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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally dispute the existence of a collection account under my name, as reported by your agency. The account in question is identified by the account number XXXX XXXX XXXX XXXX. I believe that this collection is illegal and should be removed from my credit report due to several reasons, including but not limited to the fact that it pertains to a past due balance.

I have several concerns regarding this collection account : 1. Lack of Verification : I have not received any valid verification or validation of this debt from your agency, despite my previous requests. Under the Fair Debt Collection Practices Act ( FDCPA ), it is your legal obligation to provide verification of the debt when requested. To date, I have not received any such validation. 

2. Reporting Inaccuracies : I have noticed inaccuracies in the reporting of this collection account on my credit report. These inaccuracies have a negative impact on my creditworthiness and may violate the Fair Credit Reporting Act ( FCRA ).

3. Statute of Limitations : I am aware that the statute of limitations for collecting this type of debt has expired, making any collection efforts unlawful. It is essential that your agency adheres to the legal limitations when attempting to collect a debt.

4. Failure to Provide Proof of Ownership : Your agency has not provided any evidence demonstrating that you are the rightful owner of this alleged debt. As per the FDCPA, I have the right to request proof of ownership. 

I kindly request that you conduct a thorough investigation into the validity of this debt and provide me with all necessary documentation, including the original debt agreement, proof of ownership, and a clear breakdown of the alleged debt. I also ask for the immediate removal of this collection account from my credit report while this dispute is being investigated. 

Failure to comply with the above requests will compel me to take further legal action to protect my rights and rectify this situation. I understand the importance of resolving this matter promptly and am willing to cooperate with your agency to facilitate a swift resolution. 

Please consider this letter as my formal dispute and request for the removal of the collection account. Your prompt attention to this matter is appreciated. 

Sincerely, XXXX XXXX XXXX XXXX  Enclosed : are supporting documents
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a total loss payment was received by Santander Consumer USA on behalf of a vehicle loan. The amount received was {$16.00}, XXXX. Santander states that there was a balance of {$370.00} that remained on the account after receiving the payout. This amount was not communicated until after 90 days. Currently on my XXXX credit report it shows a late payment of 60 days beginning on XX/XX/XXXX and 90 days on XX/XX/XXXX while on my XXXX report it shows a late payment of 60 days beginning on XX/XX/XXXX and 90 days on XXXX of XXXX. When asked why there was a discrepancy in the reporting I was told my a Santander representative I spoke to on XX/XX/XXXX that they " do there best to report accurately ''. This is affecting my credit scores tremendously.
Product: Credit reporting, credit repair services, or other personal consumer reports

This showed up on my credit report on XX/XX/2021, in the amount of {$1700.00} from some company by the name of XXXX XXXX By Phone. 

In XXXX, someone attempted to file unemployment in my name, also NOT me, ( I work for XXXX XXXX in XXXX Ohio and was notified by my employer someone had fraudulently filed for unemployment on my behalf, I filed a police report ). 

I'm not sure if someone had gotten the above loan by phone in my name or not, however, this was NEVER my loan, I've never gotten a loan like this. I've tried disputing it to no avail. 

I will NEVER pay something that's not mine, however, it has impacted my credit score. 

I need this removed from my credit, I've tried contacting the company at XXXX and they keep hanging up on me, which just screams scam. I'll call, they get my name and email then put me on hold while they " transfer '' me and that's when the call drops, I've tried a dozen or more times to get thru and each time that's what happens. 

This is most definitely a fraudulent charge and I need it off my credit. The dispute I filed thru the credit bureau came up with nothing. 

I don't understand how someone can do this and it affect MY credit and nothing happens to the scammers involved in getting a loan with my stolen identity. 

Thank you so much for any help you can give XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information on my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. According to the FRCA, the unauthorized inquiries should be removed immediately.
Product: Debt collection

I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If you are not aware this entire claim is regulated by an arbitration agreement with XXXX, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt. also this serve as a Pre-Arbitration Demand regarding the alleged debt you claim I owe. Since you purchased this alleged debt from XXXX, you are subject to the arbitration agreement included in the original XXXX agreement. I am well aware that initiating arbitration under this agreement will cost your company XXXX  of dollars. Additionally, I understand that this alleged debt was likely purchased for pennies on the dollar. Given these circumstances, I am extending you an opportunity to resolve this matter amicably. 

With that, my demands are as follows : You must promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file ; A settlement agreement that I may retain for my records. 
Monetary compensation in the amount of {$5000.00}. 

While I do not desire or anticipate that your negligence may force me to purse further legal action, that option will be explored. In the event that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes. 

Thank you for your immediate attention to this matter. We look forward to resolving this issue promptly.
Product: Credit card or prepaid card

My credit card is a XXXX with Chase Bank. I use it all the time. 
On XX/XX/XXXX my checking account bank, XXXX XXXX, submitted a {$400.00} payment to Chase Bank to apply to my credit card 's balance. Something that is done regularly with no problems. All computer transactions. 
That payment was not posted to my credit card account, a serious matter, I am facing either a double payment of {$400.00}, interest charges if I don't double pay, or possible late fees and adverse effects to my credit score. 
The XXXX XXXX made me a copy of the Transaction detail which I Faxed to a number which was given me by the representative of Chase. 
That was done XXXX times from XX/XX/XXXX to today XX/XX/XXXX and I only received XXXX emails referring to the wrong posting. Nothing about the submittal only that no posting exists on the Chase employees database. 
Something went wrong at Chase Bank between the date my bank submitted my {$400.00} payment and their posting process. Chase is not doing anything about correcting their process and I have no {$400.00} credit on my credit card account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for XXXX savings account. Acc. to them, I have placed a security/fraud alert with Equifax that is still active. Therefore, they state, they could not verify my identity and denied the application ( for a savings account of all things ). I contacted Equifax to inquire about such fraud alert or security freeze. A rep named XXXX at their XXXX location picked up the phone after 45 minutes of waiting time. XXXX 's XXXX wasn't very good. She asked about 7 security questions to which I provided the answers while looking at my online statements with the different creditors. As I became frustrated with the excessive " process, '' XXXX became hostile. She then told me that I have failed the security " process '' and she can't give me the answer about the alleged fraud alert. And there is nothing I can do, she added. I asked to speak to her supervisor. Supervisor XXXX came to the phone, ID # XXXX ( after much questioning ) -- acc. to XXXX, there is nothing she can do and I must write to several locations of Equifax to ask them about the security alert. I told her that XXXX must have inserted the incorrect information or must be dishonest about me failing their " procedure. '' XXXX was unable to explain to me the " procedure. '' ALL IN ALL, IT TOOK ONE HOUR AND 57 MINUTES. WHAT A MONUMENTAL WASTE OF TIME. I ALSO TRIED TO RESOLVE ONLINE THE ISSUE OF POSSIBLE ( AND UNAUTHORIZED ) SECURITY ALERT. XXXX AND/OR XXXX HAVE MADE SURE TO BLOCK MY ACCESS. 

PLEASE CONTACT EQUIFAX ON MY BEHALF AND ASK THEM TO REMOVE ANY ALERT OR FREEZE THAT MAY EXIST ON MY FILE. I DON'T RECALL EVER PLACING SUCH ALERT/FREEZE. 

I ALSO WOULD LIKE TO OPT FROM REPORTING WITH EQUIFAX GIVEN THE DISHONEST AND UNPROFESSIONAL CONSUMER SERVICE. 

I APPRECIATE YOUR KIND ASSISTANCE WITH THIS URGENT MATTER. 
THANK YOU, XXXX XXXX XXXX, XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

I did not do business with any of these companies.
Product: Payday loan, title loan, or personal loan

I went into titlemax last year to get {$500.00}. The lady basically con me into {$1500.00} load saying my interest rate would be lower. Here I am a year later and its almost at 200 % for 125 %. Plus they make it where you can a pall your available funds by just renewing anytime. I feel like this is a predatory move bc people are struggling. Now I owe much much more bc of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 tried yo reach out several times to this company about this fraudulent account that i did not open i don't even know what type of account this is i have wrote this people i have tried to call and email them and they have never responded they are reporting that i am paying or paying i have asked them to show me where the payments are coming from i have never paid them XXXX XXXX i didn't open this account i asked for contract with my signature and they still have never responded
Product: Debt collection

At the end of XX/XX/XXXX, I went through a very nasty divorce that brought financial burden on me and lots of instability by making me change my residence 5 times in 2 years and lastly ending up living in my car for 8 months. Despite all these events, I was able to secure employment and an apartment. Meanwhile, the Student Loans were sent to a collection agency that imposed very high collection fees. On a debt of $ XXXX, the agency added $ XXXX.in collection fees. I called the collection agency on two occasions ( XX/XX/XXXX & XX/XX/XXXX ) and wrote them once ( XX/XX/XXXX ) in hopes to lower or remove the collection fees, but they refused. On the contrary, they mentioned that the collection fees will be going up every month if there is no payment received on the entire balance due of {$31000.00}. For 8 months, I lived in my car during XX/XX/XXXX-XX/XX/XXXX. How can I have {$31000.00} in my back packet to pay them when I need to pay rent and secure food and shelter for myself?
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion sent me a letter stating that I used a credit repairing service to fix my credit. I did not use a credit repairing service to reach out. I XXXX was the one inquiring to remove the XXXX to fix the issue and not only that neither of the credit bureau left a note one my credit report that you are investigating the account which is a violation and you have 15days to reinvestigation and all 3 took 1-2 months to respond. I sent out a complaint and I gave you 30-45 days the first time the second time 30 days and my issues still hasn't been resolved. I have provided serveral proofs where all 3 were in violation and did not thoroughly complete the review. 

I am requesting to remove the XXXX  due to serveral inaccuracies throughout the time of making the complaint to fix the issue. 

As stated in the previous complaints I have the right to privacy, a Consumer reporting agency can not furnish my account without my written consent also account to the IRS a chargoff is considered an income and income shouldn't be reported per the Fair Crefit Reporting Act. 

My federal protected consumer rights have been violated time and time again by the 3 credit reporting agencies.
Product: Mortgage

My parents had their mortgage with Bank of America. Last year my mother,  XXXX   XXXX  and my father,  XXXX   XXXX , both passed away. I,  XXXX   XXXX , have been dealing with Bank of America as the executrix for the estate since that occurred. I received, a t one poi nt daily, calls from Bank of America asking about the intention with the property. Despite my telling them on numerous occasions that we listed it for sale in   XX/XX/XXXX  ( t he month after my father passe d ) they w ould act as if they never had any knowledge of what was going on with the property each time they called. Then, I received a letter from an attorneys office on the bank 's behalf. I sent letters to them also advising them of my involvement and the fact of the sale. I then advised them that we had a contract for sale which was supposed to occur by the end of  XXXX . I sent them a contract extension date for   XXXX   XXXX   XXXX     and despite receiving that, the attorneys office started foreclosure proceedings once they learned of the pending sale. The day that I learned the closing would in fact be Monday   XXXX   XXXX   XXXX    , I called the attorneys office every hour the try to obtain a payoff figure. They called me back the next day but I learned that they day before, they returned the foreclosure complaint to court, thus incurring additional fees and costs despite the fact that they did not have to return the complaint to court until 6 days before the return date of   XXXX   XXXX   XXXX    . This was yet another way to incur unnecessary attorneys fees and costs on this file. The first payoff figure I received from the bank was good through   XXXX   XXXX   XXXX     and had  XXXX  attorneys fees and court costs. The second payoff figure I received which was good for the   XXXX   XXXX   XXXX     closing, a mere 10 days later, suddenly included {$3500.00} in attorneys fees and costs. We took the first offer we got on the house to get it sold, so the estate was not netting much money anyway and now, that money is being paid to an attorneys office for work that was unnecessary and seemingly unethical. Pursuing the foreclosure action at this late stage was actually harming their client 's interest because a sale date was already in the works. This was not a situation where I simply defaulted on my mortgage. My parents passed away and I did the best I could to get the house sold as soon as possible and to keep the bank apprised of that along way. They extended no courtesy at all during this entire process and have now taken what little money the estate was going to get from this sale to pay an attorneys office to do a job they did not need to do at this late stage.
Product: Mortgage

The loan was current at the time of deferral provided by the FHA. The loan went into deferral in XXXX. XXXX has reported the loan to be 120 days past due in XX/XX/2020. My mortgage servicer is required to report my account as current during the forbearance period to the Credit Reporting Agencies per guidance from FHA and HUD. I am requesting XXXX to remove the past due derogatory flag from my credit report from all three agencies immediately.
Product: Debt collection

EVERY MORNING UPON SEEING MY CREDIT REPORT, THESE FRAUDULENT ACCOUUNTS ARE STILL STRESSING ME OUT AND MAKING ME LITERALLY SICK. PLEASE HELP PERMANENTLY REMOVE THESE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Others in Ohio or IA state and in California state frauded using XXXX fraud scams frauding a XXXX truck or car XXXX frauding auto insurance policy and auto Manuels. 

I had worked for a XXXX auto store in XXXX in 1986 time frame.. 

Then all those banking locations in California and Ohio or IA used Autos for sports and sports players accounts and stadium building permits I was always turn down for loans and credit cards and Indiana State is largest steel manufacturer zone for the USA which also build stuff for USA automotive industry as states copied me and my documents and denied me stuff
Product: Mortgage

On XXXX I was pre-approved to finance two properties with Better Mortgage. I guess I should have paid attention to the first indication of lack of professionalism this company has when they couldn't distinguish between the two properties with their platform. I ended up dropping the primary property due to the confusion and that's where the nightmare really began. As a result of dropping the primary, the dashboard picked up all of the debt and duplicated for the the residence in question. I completed the requests asked of me to payoff accounts, and pay down accounts. I spent the next 12 weeks requesting for the duplications to be dropped and was reassured time and time again that there was no issue. Each time the file went to underwriting, the underwriter, not aware of what was going on, returned the file for the same documents, previously submitted, to be forwarded to them yet again. When trying to talk with the processor about the concerns, it was brushed off as if I still needed to submit documentation. She eventually discovered what I was talking about and then assured me that there was no problem. I then received, the fourth time to underwriting, notification that I still needed to produce documentation. I asked the processor if she could complete the task, as it had already been sent to them. She indicated that I would need to supply the documentation yet once again. During this period of time I was requested to purchase a printer for copying documents, send for a duplicate copy of XXXX tax return, and endless hours attempting to meet their requests. This company does not care about their customers and are not friendly to work with.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has a serious delinquency debt on my credit report for {$6600.00}. I disputed this as I have never had a XXXX wireless account. It was not removed. I contacted XXXX. They said the decimal is wrong and they have it for {$66.00}. I told them I have never opened an account with them. They told to call a collections number as sent to an attorney. I called the collections 4 different times now. I sent in the fraud paperwork. They will not return my phone calls or resolve issue. My credit shows history that I dont leave Bill 's unpaid and pay timely. I am seeking help and have tried so many different avenues. It is fraud and I have never used XXXX.
Product: Student loan

This loan went into default. I have made several attempts to contact the case manager who if she isnt there I end leaving a voicemail that never gets returned. Then if I do get her on the phone shes rude and will not negotiate with me. In the past 6 months Ive offered amounts from {$250.00} a {$2000.00} just to pay up front and then setup a payment plan for the remaining balance. She is absolutely unwilling to accept anything less than {$4000.00}. I would ask her what my options are to negotiate with them, and her response is to take out a second mortgage on my home or withdrawal funds from my 401k at work! So I appropriate!! When Ive asked multiple times to negotiate something to setup an automatic debt she ends up hanging up on me. Then when I ask the company for another case manager, they just route me back to her. When I ask for a manager, I get routed to her again! I would think a company would take any amount of money to at least begin the automatic debt process.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX XXXX AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Debt collection

Halsted has been repeatedly calling from different numbers about a debt that is not mine. They has also contacted random people on my phone contact list and shared information with them. 

Reported to social media, strangers, and more.
Product: Checking or savings account

I am using Chime. I tried to mobile deposit a {$1000.00} check from my employer for moving expenses. It was a hand-written check on the company account. The check was declined and I contacted Chime as to the reason the check was declined. After talking with three different individuals including a supervisor I was told they could not give me a reason why it was declined. I find this unacceptable and feel they need to be reported for their practices. There has to be a reason the check was not accept and I want to know why so I don't incur this in the future.