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

On XX/XX/2020, I sent a letter to TransUnion about inaccurate and unverifiable items on my credit report. It has been over 2 months and I have not received a response from anyone. I feel like my dispute letters are being ignored. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for funding to start my own business but my credit is making the process a lot harder.
Product: Debt collection

I received a call in XX/XX/2018 about a XXXX dollar debt from XXXX.I told him this must be fraud and called XXXX about the debt.XXXX also stated it must be fraud because they had my account for more than 5 years with nothing owed on their system.Natioal recover put e in collections for a 4 year old account i was not aware of and my credit went down 30 points.I reported the National Recovery Agency twice for fraud.I received notice the account was valid.As I paid National recovery I asked why did they never contact me by mail.They said they are not responsible for mail.I paid amount owed and asked to have collection removed from my credit report. They said it was not up to them but they would put  in a request.
Product: Credit card or prepaid card

I applied for Barclays XXXX XXXX on XX/XX/XXXX or XX/XX/XXXX and was immediately approved for the card. 

I followed up after about a week of not receiving a card and they sent out a new one on XX/XX/XXXX. 

It is now XX/XX/XXXX and I still have not received the 2nd XXXX XXXX credit card that was sent to me. I called customer service and the automated robot system told me they could not find an account under my date of birth and social security number.
Product: Money transfer, virtual currency, or money service

i pulled my credit and it informed me that i was short selling stocks and outstanding balances and loans i did not authorize. i also filed my taxes and was supposed to get around {$6000.00} back i did not receive instead it was deposited into a roth ira account i dont own.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried to dispute inquiries on my file and I get the runaround. I've tried reaching out to the vendors, I've tried reaching out to the credit bureaus and both keep telling me to contact the other one. 

Listed are the inaccurate files : XXXX XX/XX/XXXX XXXX XXXX/XXXX   XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

On XX/XX/XXXX, I paid my balance in full of {$380.00} to CREDIT MANAGEMENT LP. When I asked if they woulf take it off my credit, they told me they would not and the reason is because they had sent paperwork to a former residence of mine in Virginia. I never received any debt collection paper work or anything along those lines. I found out about the debt after it was reported as a collection on my credit report. I feel its kind of XXXX to have you pay this collection and then it stays for 7 years. Why bother paying it then? I tried to dispute it on all three credit bureaus but they wont budge. Id like to have it removed from my credit report
Product: Credit card

Citi credit card : A check for a monthly payment was determined by USPS to have been lost. I submitted a replacement check, which Citi acknowledged on my XX/XX/year> statement. The Citi dispute system notified me after Citi deposited the check that the matter was closed. 

It was not closed : Citi then added the same amount as being owed on my XX/XX/year> statement. I started a series of some four calls to dispute this ; each time the agent told me that the problem had been resolved. My XX/XX/year> proves otherwise, and Citi continues to charge me interest on my own funds. 

I have not paid the current amount due, which was dated a few days ago, as I can not get Citi to continue to charge me for the money that they have, for a check that has cleared the bank.
Product: Debt collection

Hospital bills are not supposed to report to the credit bureau because the president barred these actions.
Product: Credit reporting or other personal consumer reports

the dispute is about a XXXX XXXX insurance that was incorrectly reported to my 3 credit reports. 
I was advised to pay for an outstanding insurance balance after i have already talked to XXXX XXXX XXXXhat i have cancelled and spoke to a XXXX at their office prior to a bill being due.. but they demand that i pay it anyways. 
After awhile i sent them my documentation and was told that it will be closed. 
just to find out that XXXX XXXX has assigned it to Southwestern collection agency and been reported to my Credit without any notice or demand letter being sent to me.
Product: Debt collection

I am writing to express my concern regarding the inaccurate and incomplete credit information that is currently listed on my credit report. I am distressed by the presence of this information, and it appears that the bureau has failed to maintain reasonable procedures to ensure maximum possible accuracy in the credit reports published. The information listed is entirely inaccurate and incomplete, constituting a serious error in the reporting. I request the immediate deletion of this misleading information and the provision of a corrected credit profile to all creditors who have received a copy within the last 6 months or the last two years for employment purposes, in accordance with FCRA 15 USC 1681. I respectfully dispute the following items on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am the primary complainant in this matter, and I hereby XXXX full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX Executive Vice President, Director of Servicing New American Funding, XXXX RE : Credit Reporting Dispute - XXXX XXXX 's Account Dear XXXX XXXX, I am writing regarding your letter dated XX/XX/year>, in response to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the reporting of late payments on my account. 

I appreciate your effort in reviewing my account. However, your response does not adequately address my legal concerns regarding the accuracy of the information reported to the credit bureaus. 

Under 15 U.S.C. 1681s-2 ( a ), New American Funding, LLC is legally obligated not to report inaccurate information. If you, as a furnisher of information, know or have reason to believe that the information is incorrect, you must correct it immediately. Additionally, under 15 U.S.C. 1681i, upon receiving a dispute notice, you are required to conduct a thorough investigation and correct any errors within 30 days.

You assert that no errors were made in reporting my account as delinquent. However, I have no record of receiving adequate notification that would have allowed me to dispute the information before it was reported to the credit bureaus. Furthermore, the lack of response to my direct dispute in XXXX, XXXX, or XX/XX/year> is a direct violation of your obligations under 15 U.S.C. 1681s-2 ( b ).

Given that I have fulfilled all of my obligations and that your inaccurate reporting has caused significant harm to my credit rating, I demand that you : Immediately remove the incorrectly reported late payments from all credit bureaus ( XXXX, XXXX, and XXXX ) for my account. 

Provide documentary evidence that demonstrates your compliance with notification obligations and due process concerning my account. 

Update my credit report to reflect the correction of any errors and provide a confirmation letter stating that the late payments have been removed from my credit history. 

Should you fail to comply with these demands within the next 15 days, I reserve the right to pursue legal action under the Fair Credit Reporting Act ( FCRA ) to protect my rights as a consumer. 

I look forward to your prompt response to resolve this matter amicably. 

Sincerely, XXXX XXXX
Product: Mortgage

I receive a Proposed Modification to my mortgage and contract XXXX on XXXX XXXX, XXXX. Reviewing the documents I question the, at best misleading and at worst deceptive, nature of the disclosures accompanying the contract. 
First of all, XXXX XXXX of the accompanying explanation is missing. I notified my contact with my mortgager by phone and requested the first page be emailed to me, and as of this date, that has not been done. I have followed up with an email and am awaiting a reply. 
Based upon the Exhibit # XXXX and the Contract itself, there are several points that are misleading. 
Lacking the specifics from page XXXX, I turned to Exhibit XXXX ( attached, as is the contract itself ) for clarification. According to the Proposed Modifications column ( right side ), I will be paying 3.5 % interest initially, then I will pay 3.625 % interest ; Exhibit # XXXX does not clarify when that will go into effect. However, the contract contains a table that explains that the first rate will apply for the first 60 months, and the higher rate will apply for the remaining 237 months of the contract. Here the proposal is vague, although there is room on the right to add the 5-year/60-month notation. Additionally on the left, there is no indication of what the current completion date is, and the XXXX on the right implies that the mortgage will be a shorter term loan. However, it is clear that 11 months have been added to the current completion date XXXX XXXX XXXX/XXXX/XXXX. 
Additionally, although the contract clearly states that I am agreeing to repay {$400000.00}, the Exhibit implies in the right column that there has been a principle reduction to {$350000.00} ; not that that is the actual amount due after paying down the principle for 5 years. Furthermore, the {$00.00} balances under penalties and charges on the right imply that those have been forgiven, not that they will be paid off within the first 5 years of the proposed modifications. 
Additionally, nowhere in the paperwork I have received have I been credited with the {$2600.00} payments I have made in the last 3 months, nor has any indication been made as to how the funds impacted the amount currently owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

there is two cars reporting on my in the amount of {$23000.00} and {$35000.00} that does not belong to me I am a victim of identity theft I have notified every one of this I have also sent a copy a police report to each credit bureau. This has greatly affected my every day well being
Product: Credit reporting, credit repair services, or other personal consumer reports

REVIEWED MY CREDIT TODAY XX/XX/XXXX NOTED THAT SOMEONE APPARENTLY OPENED AN ACCOUNT FOR {$1000.00} ON XX/XX/XXXX. I DID NOT OPEN THIS ACCOUNT AND AM WONDERING HOW SOMONE CAN OPEN AN ACCOUNT UNDER MY NAME WIHOUT MY KNOWLEDGE. I HAVE BEEN RECIEVING LETTERS FROM VARIOUS BUSINESSES AND BANKS SEEKING VERIFICATION FROM ME, AS THER HAS BEEN INSTANCES WHERE FRAUDELENT ACTIVITY HAVE BEEN NOTED ON MY ACCOUNT, IN ADDITION ME AND MY HUSBAND JUST EXPERIENCED FRUAD IN OUR BANK ACCOUNTS AT XXXX THIS PAST WEEK. 
I THOUGH I WAS PROTECTED WHEN I OPENEND AN XXXX ACCOUNT AND LOCKED MY ACCOUNT .I AM VERY DISTURBED THAT THIS COMPANY ALLOWED A LOAN UNDER MY NAME. AS RESULT MY CREDIT SCORE, WHICH WAS ALMOST 800 IS NOW IN THE 600.

PLEASE HELP RESOLVE!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  the following accounts XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX DEPT OF ED/XXXX Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card

I have been a long standing customer of Citibank and about two years ago my husband and I signed up for the CashBack credit card. About 6 months ago my husband very quickly passed away due to XXXX. When I went to claim my cash back rewards, I was told that only the cardholder can receive the rewards. As the secondary holder, I was not entitled to claim them. 
I have been an earned in this unit, I take care of bill paying and I am the primary consumer with this card. I was insulted that I was not considered a partner because I have always been one in my relationship. I find this a discriminatory practice, particularly to older women. We have enough issues with the death of a spouse to then be slapped in the face by this discriminatory policy of Citibank. In addition, I was rudely treated by the XXXX collection agency before the last bill on this account was received!
Product: Debt collection

I was initially contacted by representatives from Williams & Fudge in early 2019 who attempted to collect a debt that I did not owe. Despite not providing appropriate and authentic debt verification when requested as well as ignoring numerous documentation and attachments I provided that indicated the debt they were attempting to collect was not mine, they persistently harassed me and continuously contacted me trying to collect it with no evidence. After repeatedly telling there representatives to stop contacting me since there was no active proof that this debt was authentically mine, I was pushed to the point of seeking legal action for the continuous harassment. Once I had mentioned the legal threats, they finally seemed to understand that this debt isn't mine and stopped contacting me about it. For whatever reason, they recently seemed to try to send an email which appeared as spam in which they said that if they don't hear from me, they will assume the debt is mine. This is absurd and obviously a malicious tactic as I already indicated dozens of times previously that the debt they are attempting to collect is not mine.
Product: Debt collection

I checked my credit reports, and noticed that Receivable Management Services, LLC was listed as a debt collector. They showed on my reports that I owe {$130.00}. I sent them a certified letter to validate the debt that they received on XX/XX/2021. They sent me a final bill from XXXX XXXX XXXX. I CURRENTLY HAVE XXXX XXXX XXXX insurance, and I called them, and informed me that they do not have any records of me owing them. I sent Receivable Management Services, LLC another certified letter that they received on XX/XX/2021 letting them know that they did not validate this debt. They just sent me yet another copy of a final bill from XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I reach out to all three credit agencies and report identity theft and fraud to them multiple times this year and before concerning XXXX XXXX XXXX and an address XXXX XXXX XXXX, XXXX XXXX I reach out to them a d said to me I quote I can't pull up the account cause we no longer have this account. The account was written off the books. I said to the lady this account is not mines she laughed. I reported this account to experian as I try to upload the documents they require it won't upload so I decided to turn to you cause it's not fair for me to have something that's not mine
Product: Credit reporting or other personal consumer reports

TransUnion refuses to investigate my dispute and remove XXXX ' improper reporting of a 30 day late payment added to my credit report. I have contacted TransUnion with a dispute on XX/XX/XXXX and XX/XX/XXXX online and XX/XX/XXXX by mail showing proof of payments and their dates. They are not actually investigating or reviewing my documentation, all they are doing is asking XXXX if they reported correctly and taking their word for it without reviewing any proof that I have that this remark is incorrect.
Product: Credit card or prepaid card

Three years ago around this time Wells Fargo sent me a credit card that I never applied for. They opened a credit card in my name & sent it to me without my consent or authorization. However, I decided to keep the card because it earned cash back. But after 3 years I have only earn {$24.00} dollars in cash back. So I was informed not only by Wells Fargo Bank but a friend said that I can convert my current Wells Fargo credit card to another one that will earn rewards faster. When I tried to convert my current credit card into the other credit card product, Wells Fargo said my account was not eligible. I asked the Wells Fargo credit card specialist, " why isn't it eligible? '' The Wells Fargo Rep said " either you missed a payment, or you have exceeded your credit limit. '' I have never missed a payment on my card, I have never exceeded the credit limit on my card, and I always pay my card in full every month. My Wells Fargo Visa always has a XXXX balance, and Wells Fargo knows this. However my friend who converted his Wells Fargo Visa is always late on his payments, always goes over his credit limit, but Wells Fargo converted his card. Wells Fargo is unfairly singling me out for some reason. I spoke to many Wells Fargo reps and they do not seem to have an answer. Maybe because Wells Fargo fraudulently opened my credit card. I am so disappointed in Wells Fargo for their unethical practices. They never even apologized for opening a credit card in my name and running my credit without my consent. I should have sued 3 years ago. But I decided to keep the card. Wells Fargo now needs to make this right and offer me a solution. The solution should be converting this current card I have into another card that will benefit me more. That is the least Wells Fargo can do. It's not asking much considering that they opened this credit card in my name without my consent or authorization.
Product: Debt collection

XXXX XXXX, XXXX, CA at XXXX continues to call a XXXX XXXX at my new phone number of XXXX. 
I have recently obtained this phone number and receive debt calls for a XXXX XXXX. I have requested " nicely '' to have them remove my phone number from their collection list. Today I received another at XXXX XXXX after TWO REQUESTS to remove XXXX from their call list. 
What do I need to do to stop this harassment.
Product: Credit reporting or other personal consumer reports

XX/XX/2020, {$8800.00}, I am not on this account
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed out 3 letters on XX/XX/2020 to dispute an online payday loan that was taken out in my name without my consent and its now on my credit report and Ive sent several letters asking to send the contract with my signature so I can prove that its not mines and remove it and I havent received anything back from the credit bureau and its been over 60 days. 

This has caused me not to be approved for many things as its in collections so its very damaging to my credit report which affects my lively hood! This has caused so much mental stress especially during these times. Please review!
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony bank/ Walmart has been reporting with XXXX , XXXX and XXXX that I have XXXX accounts with them which is affecting my credit report and credit score. They are reporting that I had XXXX Walmart accounts. 

XX/XX/2016 amount XXXX XX/XX/2016 amount XXXX The account with the amount of XXXX is not mine and needs to be removed
Product: Credit card or prepaid card

Opened an account with Barclay bank U.S.A back in XX/XX/XXXX. I have used the account a few times and paid if the balance as agreed. However, to my surprise the account was closed by the creditor on XX/XX/XXXX, without any notice. Instead I received a letter indicating the account was closed and I was urge to reapply if I still require use of such account. In any case, I took the creditor for his word and reapply for a Barclay bank credit card, however, to my surprise despite my excellent credit history I was turned down. I am not clear why I was turned down since, I am yet to receive a letter from Barclay bank indicating the reason for the denial. However, I feel as if I am being coerced.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX  XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Re : Request for Removal of Charge-Off Account Dear Sir/Madam, I am writing to formally request the removal of a charge-off account from my credit report. As outlined by the IRS, a charge-off is considered a certificate of indebtedness, which means it is treated as income and must be removed from consumer reports. The reporting of charge-off accounts is prohibited, as income is not to be included on a consumer report under the Fair Credit Reporting Act ( FCRA ). 
According to the IRS guidelines, charge-offs are considered income, and it is clear that the reporting of this account violates the provisions of the FCRA. Given that income is not to be reported on consumer credit reports, I respectfully request that this charge-off account be removed from my report. 
I kindly ask for your prompt attention to this matter and the removal of this inaccurate information from my credit file. 
Thank you for your cooperation. I look forward to your timely response and confirmation that this charge-off account has been removed. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX bankruptcy : Bankruptcy XXXX XXXXXXXX XXXX