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

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXXXXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX OF XXXX, Account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have to 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.
Product: Debt collection

I'm filing this complaint against Enhanced Recovery for not providing proper and timely proof of validation of debt-based upon the FCRA. I asked for this on XX/XX/2022 and have yet to receive that proof. I'd like to document this complaint as inaccurate and without valid proof. 

Thank you, XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/2018 i entered a store and apply to buy two twin beds to be finance. I was informed that i would have three months 0 % interest if i applied and qualify. The application fee was XXXX i got approved and decided to finance the beds. Which total {$560.00} including taxes. 
I signed up for automatic debit from my account for XXXX every month which they always took from my bank account with no problem. 
They told me about the interest i was going to pay if I didnt pay it in the 3 month period which was fine I totally understand and didnt mind paying interest in what i thought was owed which it was {$250.00} after the 3 payments that were automatically withdrawn from my account. Little did i know AND WAS NOT informed that i was going to be charged a 100 % FEE ( or more ) of whatever amount was due and other FEES that were not disclosed as soon as the 90 day PERIOD arrived. So when the 90 day was up my total balance was XXXX When i log in to check my account i see that the total balance due was XXXX which i didnt understand. 

I called West Creek Financial asking why is so much and thats when i was informed of so many fees which i was not aware and supposedly they gave me a discount if i paid the balance in full that same day of XX/XX/XXXX XXXX TOTAL PAID THAT DAY {$890.00} totally deceptive. Total scam. From a purchase that was supposed to be {$560.00} including taxes i ended up paying {$1200.00} with fees that i wasnt aware of. On top of everything else the bed has broken two times first time they came to fix it but didnt replace any parts. Now is broken again and i have to buy a new one because i know they will try to fix it again when in reality it needs to be completely replaced as i was told, i have one year warranty but they wont replaced it just fix it. This is a total ripoff towards people that work hard to earn every penny.
Product: Debt collection

I have been making {$35.00} per month payments to repay a {$700.00} medical debt for an XXXX. The original medical account is with XXXX XXXX XXXX, with whom I agreed to pay the monthly amount. I am XXXX and as I discussed with XXXX XXXX, I do not have the income to pay more than this. 

In XX/XX/XXXX I received a letter from Overton, Russell, Doer and Donovan, LLP and discussed this issue with one of their telephone operators. I explained that I was making payments and the person I spoke with said it did not matter, XXXX the company can still report me to a credit collector. I explained that I am XXXX and just moved so my paperwork would take a while to get organized and the persona assured mesa s long as I was speaking to them, there would be no problem. The balance on my account was {$2100.00}. I explained that I only owed {$700.00} and insurance was supposed to cover the remainder of the costs, as they had with all of my other expenses at that time. 

I collected all of the payments and documentation from the insurance company that confirmed that I was covered and mailed these out certified mail, XX/XX/XXXX. 

In the interim I received a letter from some agency ( I can not find the letter as of this moment ) stating that I was covered and these charges would be reviewed. 

I received a letter dated XX/XX/XXXX, I received XX/XX/XXXX with a new amount of {$95.00} of which I thought was the reconciled balance owed to the hospital. On XX/XX/XXXX I attempted to call in and confirm that it was reconciled and make the final payment. I spoke to " XXXX '' and found out that this was an additional bill. He told me that if I did not have the account number on it, it would not have been looked into. They say they have not received the letter I sent to them previously ( obviously received by XXXX XXXX ) and that the other amount was still open and due. I asked why I have not seen invoices/statements not his and they told me they were a debt collection agency not a billing company. I also requested to XXXX that a request be made to verify this debt and he said they could not do that - it was private information. I asked to speak to XXXX manager, XXXX who reiterated that same information and elaborated that " they just send out notices periodically '', I asked what they base that on and she said it is on a case by case basis ''. So I asked what were the requirements and she said " it is not her department '' and then hung up on me while saying " have a nice day ''. 

I am concerned that with their " notification policies '' that they will submit this incorrect information to the credit report gin agencies and I will lose points on my ratings. I have dealt with this agency before and they should not be allowed to start collections proceedings without the proper documentation and without proper notification to collect debts. I also believe that this practice is detrimental to all Americans who are forced to play within this system. If I have to provide a certified letter to show that they are receiving my information, should n't ; t they have to provide a certified letter to make sure of when I am getting their letters?
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX PL XXXX, FL XXXX XXXX XXXX To whom it may concern, This dispute I'm writing for the following information on my credit report and need this information removed from my file. The items deletion are listed below. I am a victim of identity theft and DID NOT open these account on my credit report. I ask the items be deleted to corrected my credit report. I reported the theft of my identity to the Federal Trade Commission and have copies of the documents supporting my dispute, Federal Trade Commission 's identity theft affidavit. Please delete these items soon as possible. 

Sincerely, XXXX XXXX XXXX Enclosed : Identity Theft Affidavit Identification Documents Notice to Furnishers Accounts : XXXX XXXX ACCOUNT # XXXX OPEN DATE : XX/XX/XXXX XXXX  XXXX XXXX ACCOUNT # XXXX OPEN DATE : XX/XX/XXXX XXXX XXXX XXXX ACCOUNT # XXXX OPEN DATE : XX/XX/XXXX Inquiries : XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Citations for FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. : Section 603 Section 604 Section 605 Section 605A Section 605B Section 606 Section 607 Section 608 Section 609 Section 610 Section 611 Section 612 Section 613 Section 614 15 U.S.C. 1681 15 U.S.C. 1681a 15 U.S.C. 1681b 15 U.S.C. 1681c 15 U.S.C. 1681c-1 15 U.S.C. 1681c-2 15 U.S.C. 1681d 15 U.S.C. 1681e 15 U.S.C. 1681f 15 U.S.C. 1681g 15 U.S.C. 1681h 15 U.S.C. 1681i 15 U.S.C. 1681j 15 U.S.C. 1681k 15 U.S.C. 1681l Section 615 Section 616 Section 617 Section 618 Section 619 Section 620 Section 621 Section 622 Section 623 Section 624 Section 625 Section 626 Section 627 Section 628 Section 629 15 U.S.C. 1681m 15 U.S.C. 1681n 15 U.S.C. 1681o 15 U.S.C. 1681p 15 U.S.C. 1681q 15 U.S.C. 1681r 15 U.S.C. 1681s 15 U.S.C. 1681s-1 15 U.S.C. 1681s-2 15 U.S.C. 1681t 15 U.S.C. 1681u 15 U.S.C. 1681v 15 U.S.C. 1681w 15 U.S.C. 1681x 15 U.S.C. 1681y
Product: Vehicle loan or lease

Husband w ent  to a Honda dealer ship on Saturday ,  XX/XX/XXXX  and wa s quoted an amount for the vehicle and monthly payments. The dealership allowed him to take the vehicle home, even though he had not signed all the paperwork with the  finance  department. When he went back to the dealership on Sunday,   XX/XX/XXXX , the was told th at there was some confusion with the offer he was given and that the agency was not quite sure how they had come up with the number. My husband was told to call back on Monday morning to have everything straightened out. Monday morning, the dealership is now quoting my husband payments that are {$140.00} more than what he was quoted  two days  prior.   My husband left the dealership on Saturday, after signing paperwork stating that he was committed to the deal and the rate ( among additional paperwork that he does not recall ) he was never provided with copies of what he signed. Nor was he provided any disclosures related to cost of the vehicle, charges e  tc.
On Monday,   XXXX   XXXX  , 2017 the dealership   called my husband to inform him of the new payment rate. At this time I asked what interest rate they used to calculate monthly payments and as told it was not really a rate but a formula and that the sales person did not know how it was calculated. The MSRP of the car was significantly different from what had initially been told to my husband. I feel that the dealership is practicing unfair, deceptive and abusive practices in efforts to entice consumers to purchase vehicles.
Product: Debt collection

AFFIRM ACCT : XXXX Amount : {$200.00} This account Is identity theft. I have filled out all paperwork with state federal government and this needs to come off my credit report or I will be following charges against your company.You have 30 days from receipt of letter. 

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

I believe I have been a victim of identity theft due to many accounts on my credit that I do not recognize nor recall ever doing business with. I rarely ever use my credit and when I recently checked it saw things on there that made no sense to me and was completely taken by surprise. I am asking for your help and expertise in this matter to get everything corrected so I can try to use my credit again please thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid {$3000.00} to XXXX XXXX at the same time they charged off the debt to admin recovery whom I set up payment arrangement made with and paid the debt off as of XX/XX/2021. To date this is debt is still on my credit report as being delinquent in addition to a balance still being owed. I have attempted to resolve this with multiple contacts to XXXX XXXX  and Admin recovery but I have not gotten anywhere with my credit reports being fixed to reflect this debt has been paid and up to date since XX/XX/2021.
Product: Credit reporting or other personal consumer reports

ACCOUNT # XXXX These debts youre chasing me for I dont agree with them at all and I think the amounts youre saying I owe are off. Dont bother with any proof Im not interested. I know whats up and seeing proof isnt going to change that. If you need to get in touch, email me only between XXXX XXXX  and XXXX XXXX  EST. Dont send any mail whether its USPS XXXX XXXX XXXX XXXX or any courier and skip the phone calls and voicemails its just one big inconvenience.I 'm outta here. This ACCOUNT # XXXX and anything else you have under my name.
Product: Mortgage

On XX/XX/XXXX, I was confirmed successor in interest for a mortgage in which the original borrower was deceased. I applied for the mortgage assistance program as requested by the bank, and was set up on a trial payment plan to begin the loan modification process. Upon completing the trial payment plan, I was asked to provide additional information, and advised over the phone that i would not need to make another payment until XXXX. On XX/XX/XXXX, I attempted to login to submit the documentation that was requested of me, and I received a notification that my account was XXXX. Upon calling US Bank, I was told that I was not Successor in Interest, and that my information was no longer in their system, and the customer service representative was no longer allowed to communicate with me regarding the status of the loan. 
I was told multiple times on a recorded line that foreclosure would not take place since I made the trial payments as a confirmed successor in interest, and that a loan modification would be provided to me without issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I desperately need some help resolving the situation at hand!! I've dispute with XXXX, XXXX to no avil that Portfolio Recovery is reporting inaccurate credit information on my credit file. Even after being notified. 
XXXX portfolio reports to XXXX as an open account. how can a collection be open? portfolio reports to XXXX a 120 days late payments reported on a collection portfolio reports to XXXX {$1200.00} past due reported on a collection XXXX The date last activity was reaged every month i disputed this account with XXXX  The date of last activity was re-aged when this collection agency falsely stated that it was " verified ''. This needs to be removed immediately! date last active- XX/XX/XXXX date last active- XX/XX/XXXX date last active- XX/XX/XXXX date last active- XX/XX/XXXX date last active- XX/XX/XXXX date last active XX/XX/XXXX I made complaints to the XXXX  which portfolio claims that they have no control over how the credit reporting agencies reports how can that be when the information is coming from them. I've attached they response to my complaint along with copy of my credit report The facts are taken directly from my credit report
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX Acct # XXXX ) In accordance with The Fair Credit Reporting Act, Public law 95-506, Title VI, Section 611, Subsection A-D, please provide the name and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$15000.00} XX/XX/XXXX XXXX & XXXX XXXX {$96000.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX {$5400.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00}
Product: Mortgage

I applied for a mortgage refi in XX/XX/XXXX. I was promised an interest rate of XXXX in the beginning but by the time the papers were to be signed it was changed to XXXX. I was talked into this by the mortgage rep promising to refinance the loan after XXXX  months of payments. I am now going to be making my XXXX payment in XX/XX/XXXX. I have contacted the company and more or less been put off. I allowed myself to trust this individual because of the desperation and the promises that were made. Secondly I approved the appraisal for XXXX but when the appraiser came he didn't want to go under the house to take pictures so he didn't. Then I was told he had to come back and take the photos. I initially approved the XXXX on my credit card but then they charged XXXX more to my card for him to come back. If he didn't want to go under the house nobody was stopping him I don't feel that I should have had to pay more without my consent.I asked the mortgage rep about a refund and never got it. I have lived in my house for 68 years. These paymentsXXXX are double what I was paying before. I feel I was taken advantage of and the whole process was a lie from the beginning. I voiced my opinion that I couldn't afford this but he made it seem so simple. It's not. I recently had XXXX and have to be out of work for XXXX  days maybe more with no money. I need to know what can be done. I am tired of struggling. The mortgage company was EMortgage.I feel that people my age get treated unfairly.Be careful
Product: Credit reporting or other personal consumer reports

Warning : Wells Fargo Destroyed My Credit Score with Negligent Handling of Fraudulent Charge Wells Fargo 's destroyed my credit score with an already-disputed {$1.00} fraud charge on a closed account. Last year on XX/XX/XXXXXXXX XXXX XXXX a {$1.00} fraudulent charge for XXXXXXXX XXXX in the XXXX popped up on my Wells Fargo card. Never been there. I disputed it immediately, they closed the account and sent me a new card, they promised I was not responsible for the fraudulent charge in any way. But five months later on XXXXXXXX XXXX XXXX, Wells Fargo reports the charge as a charge-off to various credit report agency. 

Result? My credit score tanks, car insurance rates skyrocket, and my mortgage plans go up in smoke, XXXX also lowered the credit limit on one of my credit card. Even if I dispute it with credit bureau, it takes time, my life plan was disrupted.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Attention : XXXX XXXX, I recently obtained a copy of my credit report from your service and have found the following items to be in error. All the credit cards below have a XXXX balance. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 
XXXX XXXX Reported : XXXX XXXX XXXX XXXX {$200.00} In good standing XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX XXXX  {$430.00} In good standing XXXX XXXX Reported : XXXX XXXX XXXX XXXX  {$2500.00} In good standing XXXX XXXX XXXX Reported : XXXX XXXX XXXX XXXX  {$1300.00} In good standing XXXX XXXX Reported : XXXXXXXX XXXX XXXX XXXX XXXX {$500.00} In good standing XXXX XXXX Reported : XXXX XXXX XXXX XXXX {$0.00} In good standing XXXX XXXX XXXX Reported : XXXX. XXXXXXXX XXXX XXXX {$470.00} In good standing XXXX XXXX  Reported : XXXX XXXX XXXX XXXX {$0.00} In good standing XXXX XXXX XXXX XXXX Reported : XXXX XXXX XXXX XXXX  {$230.00} In good standing XXXX XXXX Reported : XXXX XXXX XXXX XXXX  {$0.00} In good standing XXXX XXXX Reported : XXXX. XXXX, XXXX XXXX  {$5500.00} In good standing XXXX XXXX XXXX Reported : XXXX XXXX XXXX XXXX {$3600.00} In good standing XXXX XXXX Reported : XXXX XXXX XXXX XXXX {$1300.00} In good standing XXXX XXXX XXXX Reported : XXXXXXXX XXXX XXXX XXXX {$3300.00} In good standing XXXX XXXX XXXX Reported : XXXX XXXX XXXX XXXX  {$510.00} In good standing XXXX Reported : XXXX XXXX XXXX XXXX {$860.00} In good standing XXXX XXXX Reported : XXXX XXXX XXXX XXXX {$740.00} In good standing XXXX XXXX Reported : XXXX. XXXX XXXX XXXX {$160.00} In good standing XXXX XXXX XXXX XXXX Reported : XXXX XXXX XXXX XXXX  {$200.00} In good standing XXXX XXXX XXXX XXXX  Reported : XXXX XXXX XXXX XXXX {$410.00} In good standing Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report.

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information.

Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items.

Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope this letter finds you in good health. I am writing to express my deep concern and frustration regarding the unresolved issue of fraudulent items on my credit file. Despite many multiple attempts to rectify this situation, the fraudulent items persist, causing significant distress and impacting my creditworthiness. 

I have reported this matter on numerous occasions, with each attempt aimed at a swift resolution. Regrettably, the continued presence of these fraudulent items is adversely affecting my financial stability and overall confidence in the accuracy of my credit report. 

I urgently request the following actions be taken : Expedite the process of investigating and removing all fraudulent items from my credit file at the earliest convenience. 

Establish enhanced communication channels to ensure real-time updates on the progress made, providing transparent information about the ongoing investigation and efforts to rectify this issue. 

Implement additional security measures to safeguard my credit file and prevent future instances of unauthorized access or fraudulent activities. 

Given the prolonged inconvenience and the potential impact on my financial well-being, I kindly request that you consider appropriate compensation or accommodations to address the stress and disruption experienced. 

I understand the challenges associated with addressing such matters but emphasize the critical nature of a swift and effective resolution to restore my confidence in the accuracy of my credit report. 

Please acknowledge receipt of this letter and inform me promptly of the concrete steps being taken to resolve the issue. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX