23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE THE ITEMS I NEED DELETED ARE LISTED IN THIS REPORT. I AM A VICTIM OF IDENTITY THEFT & DEMAND THAT XXXX REMOVE THESE ITEMES TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT
Product: Debt collection

I wrote a letter for validation of debt to company. Sent certified mail on XX/XX/XXXX.  Midwest Recovery Systems received certified mail on XX/XX/XXXX @ XXXX. Failed to receive validation of debt from said company. Midwest Recovery Systems is in direct violation of Federal Law of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) and of the Fair Credit Reporting Act ( including but not limited to Section 623-b ).
Product: Checking or savings account

XXXX I called PNC this XXXX, and they explained what happened? I also made a complaint about that XXXX that gave me false information PNC Has resolved this issue, my account is up and running
Product: Debt collection

Portfolio Recovery has disguised as a new creditor and is reporting a new account under my name for XXXX XXXX. I did not received a debt validation as per the Fair Debt Collection Practices Act.
Product: Debt collection

We were in an auto accident and did not have insurance. XXXX contacted us on behalf of their insured and said they were going to fix the car and bill us for his repairs. His car only had a broken headlight, so we agreed with XXXX billing us. They sent our information to a third party without letting us know and now we are being charged {$2900.00} Wilber and associates contacted us regarding this debt and would not work with making payment plans. When I said we did n't have money to make $ 300 monthly payments, they stated that was n't their problem. They threatened to suspend our driver license and we are willing to pay, but that seems excessive for a broken headlight. They wo n't hear us out to make payment plans less than {$100.00}, wilber and associates staff is very rude..
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. 

Details of the accounts are as follows : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX & XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting

I recently went on XXXX to obtain my annual free credit report. The reports were provided free of charge with no problem by both XXXX and XXXX however Trans Union some how through their website signed me up for some type of credit monitoring that I was not aware of. They have consequently charged my bank account a total of XXXX for what I thought was supposed to be free. It is the principle here the other XXXX credit agencies did it the right way but Trans Union in some as far as I am concerned fraudulent way made me pay for my credit report. I would like to file an official complaint against Trans Union for their misleading practices!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XXXX, XXXX, PA XXXX. 

Re : Dispute of Charge-Off Account XXXX XXXX Account Number : XXXX Dear Sir/Madam, I am writing to formally dispute the accuracy and validity of the charge-off entry reported on my credit file by XXXX XXXX under the account referenced above . I assert that the information you are reporting is inaccurate, incomplete, and in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. 
Specifically, I contend that the charge-off is invalid because XXXX XXXX has failed to provide adequate evidence of the debts existence, legitimacy, and proper reporting. 
Additionally, I am aware that XXXX XXXX may have forgiven or written off this debt as income, as evidenced by the issuance of a Form 1099-C, Cancellation of Debt.

Under the Internal Revenue Code, a 1099-C form represents the cancellation of debt and could indicate that this debt is no longer legally enforceable.

Please be advised that under 15 U.S.C. 1692g ( a ), I am entitled to a debt validation, and I am requesting that XXXX XXXX provide the following information : 1. Proof that I owe the alleged debt.

2. A statement that the debt was not discharged through bankruptcy, as I have never filed for bankruptcy.

3. The date of charge-off and the reason for the charge-off.

4. Any documentation of a 1099-C issued in connection with the debt.

If this information can not be provided within the legally required 30-day time frame, I request that you immediately remove this entry from my credit report.

Furthermore, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I request that you conduct a reasonable investigation into this matter, and under 15 U.S.C. 1681s-2 ( a ) ( 3 ), I expect all information reported by XXXX XXXX to be accurate and corrected if found to be in error. 
Please confirm that you have received this dispute and provide a resolution to this matter within 30 days of the date of this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my issue is with Transunion with whom I created a free account to view my online report and or file a dispute. I was able to create the account and tried two times to dispute information on the report which I believe is wrong.

Transunion gave me a confirmation number but the investigation did not go out. This happened 2 times and then wouldn't let me into the system without calling them.

I have called on 3 occasions. Each time, the wait times are horrific and the customer service is worse still. 
The calls get routed overseas and I end up either speaking to someone in the XXXX or in XXXX. Fine. I have asked multiple times for assistance in the US and for technical support to unlock the site which is free, I get offers to upsell me to a paid site or to pay for credit monitoring in order to view the report or file disputes. I am told that the people answering the phone are 3rd party and thus have no direct access to the information on Transunion but that they can handle a dispute over the phone. How can it be that a 3rd party with no access can file a dispute? I do not wish to do that. I wish to do it myself in private. 

When I tell the agent ( the man I spoke with gave the name of XXXX XXXX ), that I have used it before they tell me that I have not. When I say I called before and have even gotten hung up on, he tells me I have not called anyone. I can not believe a company holding the data on American citizens can outsource this work to other countries and even still that can't assist us without trying to upsell a product to us. 

I need help with getting access to my reports online as it is supposed to do and to allow me to dispute information in private, like I wish to do. This company has been giving me the run around by phone for over 40 days and I still have no idea what is going on or why.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2023, I received a notification from my bank that my personal checking account was overdrawn by {$2900.00}. JP Morgan Chase credit department, not authorized by me, put through a full statement payment instead of the minimum payment that I had previously authorized through automatic payment. I called Chase, disputed the charge and had this investigated. On XX/XX/XXXX, I received alerts for my credit bureaus that my credit line was decreased, and the credit utilization increased from less than 30 % to over 100 %. Chase informed me on my call to them, that they reduced my credit line from {$14000.00} to {$1600.00}. I believe this action to be retaliatory, because I have another account with chase that was unaffected. The same account ending in XXXX that was disputed for the {$2900.00} was in fact the only account that the credit line was reduced. To date, Chase has not reported any delinquent payments to my credit bureaus. This is because Ive never been late, which warranted a report to the credit bureaus. Instead, they did more damage to my credit by reducing my credit line, and increasing the credit utilization. This was handled with carelessness and lack of professionalism. This debacle resulted in additional and unnecessary credits to my account and resulted in my credit amount increase drastically to {$5800.00}. In conclusion, this was all done to cover an error performed by the Chase credit department. Your prompt response in this matter would be greatly appreciated. 

XXXX XXXX Chase credit card customer Account Ending in XXXX
Product: Credit card

It is entirely unjust to discover late payments on my account, considering my consistent track record of timely payments. I insist on the swift correction of this error. I earnestly implore you to rectify this situation promptly and ensure that my account reflects my history of on-time payments accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have informed Experian and XXXX that the XXXX XXXX was never late in 2014. I have had a difficult time trying to get XXXX and Experian to to remove this inaccurate information from my credit file. Please assist me in getting this account removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I tried to temporarily lift a security freeze online at https : //www.experian.comXXXX 

When I entered my PIN, the website said it was incorrect, even though I have an e-mail from Experian showing me my PIN at the time I initiated the freeze in XX/XX/XXXX. 

The website then said I could get a PIN reminder by uploading documentation. So I did that, on XX/XX/XXXX, but I have not received any acknowledgement that my request is being worked on, and I have not received the PIN. The credit card company I am applying to says my credit file is still frozen as of XX/XX/XXXX. 

There is no way to speak to a person at Experian by telephone, and there is no e-mail address to contact them. I think a company that is making a profit from my information should have a responsibility to allow me to contact them in this situation, in a method that is quicker than postal mail. 

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

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 

XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX XXXX, NE XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Balance : {$500.00} ; XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XX/XX/XXXX.
Product: Mortgage

Attempting to refinance a modified SAM loan of my primary residence. Requested a payoff quote, submitted all documentation and appraisal that were requested. Mortgage company will not give me a payoff quote, they have TRAPPED me and are not allowing me to payoff loan and get out from under their control. 
This is costing me thousands of dollars and preventing me from buying another home. 
I've called and called, spoken to five " escalation specialist '' and nothing is happening. 
XXXX and PHH Mortgage are dishonest. I want to payoff the loan and get out from under them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX {$1800.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX  XXXX XX/XX/XXXX {$350.00} I Dispute these accounts that dont belong to me and belong to someone else with the same name to the credit bureaus and the accounts still remain on file in was not deleted.
Product: Credit reporting or other personal consumer reports

I requested the deletion of my account and associated personal data. Despite following the companys stated procedures, my account has not been deleted. I have contacted their customer support multiple times, but the issue remains unresolved. 
This failure to honor my request may also violate data protection laws, including the XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an offer letter to resolve a past due balance on a totaled vehicle with Santander Consimer USA. I called and paid the settlement amount on XX/XX/2021, and received an emailed receipt for that payment. Santander has refused to update my account correctly as settled and/or paid in full, and show the correct balance of {$0.00}, to any of the consumer credit agencies. I have disputed this account with all 3 major credit agencies, and Santander has refused to update and correct the incorrect information currently shown each time. They went so far as to update my XXXX report as " closed and written off '' for a second time after that dispute, causing a second major hit to my credit score that was not only completely avoidable, but seems petty and vindictive at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

Any bank accounts opened after XXXX And XXXX, which closed my account and never cashed my {$1300.00} check I deposited mobile
Product: Credit reporting or other personal consumer reports

I called Equifax several times to request that my address be corrected. I mailed a copy of supporting documents to verify my address. It has not been done. I have never lived at the address listed, nor have I ever listed it as my address.
Product: Checking or savings account

Received emails showing someone used my previous name to open an account with Bank of America. The application was approved and sent correspondence through my email. I called their fraud department and they confirmed someone used my identity to open an account, so they closed it.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are items on my credit report that aren't mine that are listed in the report attached.
Product: Mortgage

I'm a customer of Wells Fargo Mortgage ( WFM ). I make twice monthly payments through an automated withdrawal from my checking account. I used to make once monthly payments but then switched to twice monthly. Though I make payments of that periodicity, WFM chooses not to apply the payments to my account more than once a month. WFM holds the intermediate payment, and ( 1 ) pays no interest that I can tell, plus ( 2 ) doesn't reduce my interest for the period due to the intermediate payment, until it makes a once a month application to my balance. Wells Fargo didn't tell me it would only credit my account once monthly when I changed. I brought this to WFM 's attention years ago, telling them the process didn't seem fair because it seemed to me I was paying more interest than I ought to and as a result ( 1 ) my remaining principal amount is too high and ( 2 ) the mortgage 's effective annual interest rate was mis-stated. I did not to my knowledge receive an amended fair credit act statement when I changed the payment periodicity. WFM was not persuaded by my points, obviously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand that you Cease & Desist from reporting old information on my consumer report, I demand that you cease & Desist from reporting, incorrect, misleading information on my credit report, I demand that you Cease & Desist improper validation and proof of debt on my credit report. 
Please remove the following account within 5 days from my report XXXX XXXX XXXX XXXX I have not given you premission to report these accounts to my report, Also I have not recieved evidence of these accounts that that belong to me. 
These account are incorrect and misleading. I will seek legal action if they are not removed within XXXX business days. This is the last notice. If there is no proof you must remove these accounts. 
Student loans have already been removed off my report than came back, XXXX has changed the account to postive to negative several times after they sold the debt to another company.
Product: Debt collection

I filed chapter XXXX bankruptcy with case # XXXX FL on XX/XX/XXXX and the case was discharged on XX/XX/XXXX. However, PayPal Credit, DBA as XXXX XXXX XXXX, drafted a letter on On XX/XX/XXXX, stating they referred a debt that was supposed to be discharged in bankruptcy to another debt collection firm, XXXX XXXX XXXX ( XXXX ). 
Verbatim : " Company 's Response : Correspondence was sent to you on XX/XX/XXXX, advising that PayPal Credit closed your account ending in XXXX because a subsequent account in your name was identified. This account, ending in XXXX, was referred to an outside collections agency due to delinquency. The contact information for the outside collections agency was provided if you have questions or would like to make a payment. '' I phoned XXXX & XXXX ( XXXX ) and was rudely hung up on by a female agent who refused to listen to me as I told her whatever address they have on file is incorrect.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against your credit bureau regarding the numerous unsuccessful attempts I have made to rectify the inaccuracies in my credit file. Despite my continuous efforts to correct these discrepancies, my credit report remains marred with inaccuracies, negatively impacting my financial well-being. 

I have made several efforts to dispute these inaccuracies by following the procedures outlined by the Fair Credit Reporting Act ( FCRA ). Each time, I have provided all necessary documentation and supporting evidence to substantiate my claims. 

Despite my XXXX attempts to resolve these issues, I have encountered the following problems : My previous dispute letters and supporting documents seem to have gone unanswered, leaving me in the dark about the status of my disputes. 

The delay in addressing these inaccuracies has resulted in financial hardships and lost opportunities for me. 
The presence of these inaccuracies is severely damaging my credit score, making it difficult for me to access fair lending terms and credit opportunities. 

I am frustrated by the lack of responsiveness and efficiency in addressing my concerns. I understand the importance of accurate credit reporting, and I am fully committed to working with your credit bureau to ensure the correctness of my credit file. 

I request that you conduct a thorough investigation into these inaccuracies, rectify them promptly, and keep me informed about the status of my disputes, as mandated by the FCRA. 

Enclosed with this letter are copies of my previous dispute letters, supporting documentation, and certified mail receipts to verify my attempts to rectify these inaccuracies. I am asking for your assistace to remove the following inaccurate items in my credit report : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXXXXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XX/XX/2023 XXXX
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Th company calls mutiple times a month. I have to explain each time. I am currently not working due to COVID and I will contact them when I do normally they are very understanding, but this last time the girl was persistent and rude. More like interrogation. Now, I have received emails stating I am going to be arrested and they are going to sue for like XXXX something. My payday loan was only XXXX and they are saying they will settle for XXXX without getting legal involved. That still way over the amount I originally was supposed to pay back and I am still looking for employment. I made them aware I was going to be filing a complaint with FTC and they will be hearing from my lawyer since. I know my rights as a abiding citizen and have answered calls and made sure to stay in communication
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company is currently reporting a negative listing to the XXXX major credit bureaus ( XXXX, XXXX XXXX, and XXXX ) regarding the above referenced account. Based on my recollection and my records, I can find no reason for you reporting such a history. If you'll review your records I think that you will find your reported notations are inaccurate. 

The erroneous status of your credit reporting agency records is unacceptable and is preventing me from obtaining necessary financing. Pursuant to Title 15, Section 1666 of the United States Code, I formally request the following documentary evidence pertaining to my account : A summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made and date of charges posted. 

Copies of all documents and financial instruments used to pay the disputed late payments. 

Copies of all charge slips, invoices, promissory notes, and all other documents proving indebtedness. 

This information and documentation is critical and time is of the essence. Within less than thirty ( 30 ) days, I will be damaged partially because of the discrepancy with your reported records. The above noted code requires your response within thirty ( 30 ) days. Your prompt attention will be greatly appreciated.