23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I notice a new collection on my XXXX credit report and didnt reconize it disputed it with the credit bureau. Cam back as verified. Contact the collection angency that was listed on my credit report and ask about this debt. Then they gave me a name other than mine as the oweing the debt. And told them i am disputing this debt i want original bill and what if anything i paid on this aledged debt and what are the charges for. The agent said to me we dont do that all we have is a computer generated bill ( tied assuming to my social security number being on my experian credit report ) cause the name they gave me was XXXX. Not XXXX, and they told me i need to contact the oringinal creditor not them i keep asking for them to validate the debt but refused telling me its not there job. I told them to remove this from my credit report but refused to.
Product: Credit card or prepaid card

Sears Card. Sears did not answer when I disputed the account as I sent them several letters which there was no response. Sears sold the account in which they faulted to my dispute in several issues as well as phone calls in which they never return after talking to me. I also was told every time some would get back in which they never did it was just the run around and then they sold the account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX is my old address in which I updated in the dispute to XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX
Product: Debt collection

I received a phone call today from this company. On the voicemail, it stated they were attempting to collect a debt. This is not ok. 

Ive never heard of this company, nor what debt they allegedly hold in my maiden name. Ive been married for 10 years so its highly likely whatever they have is out of statue, or the result of my purse being stolen from my car in 2017.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX ...., XXXX XXXX XXXX XXXX ...., XXXX XXXX XXXX
Product: Mortgage

Ended forbearance at end of XXXX. Paid amount due in full. Need letter stating no longer in forbearance AND balance due was paid in full. I have been on the phone with Amerihome mortgage at least 5 times over the last 3 months and promised a letter stating the above. Have never got a letter stating forbearance ended AND past amount due paid in full. I can not get another loan approved until XXXX gets these letters. I have been trying for 2 months to get these letters. I call every two weeks. The lack of letters ( and my inability to get a loan I qualify for ) is causing financial hardship due to Amerihome incompetence. The agents there try, but the request gets passed to a different department that keeps sending form letters that aren't what I need. Three months in. No end in sight. Please help.
Product: Debt collection

Merchantile Adjustment Bureau calls the residence of my Mother ( XXXX ) a couple times a day asking for XXXX XXXX XXXX. No one by that name has ever lived here nor had our phone number. I have called this office to request that they cease and desist harassing us with these repeated calls.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 


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 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: Debt collection

This debt does not belong to me. Please remove it. I have already tried to rectify this issue with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I just graduated XXXX XXXX, I just enrolled in college and Im XXXX yrs old I just had a Birthday XX/XX/XXXX. I never even known my own Social Security Number until now. when my high school counselor Told it to me. when she help me apply for colleges. and loans for  school. we notices someone had open up multiple credit and credit cards under my name and social security. but the Birth day is incorrect on my credit file. it shows XX/XX/XXXX? I was not even born yet .... SMH I was Born XX/XX/XXXX. I have been a victim of childhood fraud. Not a soul in my family knows how this happen. some accounts they said was open for 4 years or more? How I was a child. Please correct this and remove this off my recorded. Because I cant get my loans for college. Im worried about next semester. How could this happen?, how could someone be so bad to do this. please remove this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still present in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$74.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX  XXXX Balance : {$0.00}
Product: Credit card

On XXXX XXXX 2016, {$200.00} was taken from my checking account. It happened at a XXXX XXXX XXXX in XXXX where my bank is Chase right next door. I was not up at XXXX-XXXX withdrawing money from my account and I would have not used a different bank when my bank was right next door. Chase denied my claim because a chip dept card was used according to their investigation, but they wo n't look at the video cameras. Does n't seem like a good investigation to me. Why would I file a police report on myself it just does n't make sense to me
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian said the validated account # XXXX US DEPT OF EDXXXX XXXX Report # XXXX, which was a lie because they are reporting a wrong date opened, they are reporting it as a closed/collection account, but yet says it is past due as of XX/XX/2022. Is this account open or closed? There is no date of 1st delinquency reporting. It also says the monthly payments are XXXX, so how is there a balance/ or a past due. Remove inaccurate account from my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted written disputes to both Experian & XXXX on the following dates : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX regarding XXXX XXXX XXXX account # XXXX in the amount of {$2800.00}. XXXX XXXX XXXX is showing charged off with a balance of {$2800.00}. This is inaccurate. XXXX XXXX XXXX has not submitted any documentation of this charge off. This lease was successfully terminated XX/XX/XXXX and there were no additional charges. It is to be noted I am in litigation with XXXX regarding as I am part of the settlement due to the XXXX XXXX XXXX recall.
Product: Mortgage

PHH mortgage gave me a loan modification just before the pandemic hit the world, they never called me or informed me about the forbearance plan that was available, I got to know about this plan from the news, I called them and requested for it, they only gave this plan to me for 6 months in total, whereas I was told that a home owner can opt for a minimum of 12 to a maximum of 18 months depending on the mortgage company. 

I was infected with COVID in XXXX of 2021, and stayed in the hospital for XXXX weeks, but when I returned home, I wasn't keeping well, and this led me to being hospitalized for another 2 months, I was discharged from hospital on the XX/XX/2021 only to learn that my house is in foreclosure and I have had stressful nights with no sleep, I am an old lady and want to save my house as I have no other place to live. 

I want PHH to start working with me on another loan modification so that I can start making my payments on the mortgage. 

PHH has my property value as more than {$1.00} XXXX, where as my certified appraisal report says it's only for {$1.00} XXXX.
Product: Checking or savings account

On XX/XX/year> I requested a funds transfer for {$900.00} to an external account, from UFB Direct to XXXX, which I have done before. I was assured that this has taken place, however, the funds have never reached the external account. This has historically taken XXXX business days in the past. When I contacted them they were confused as to the correct amount of the transfer. I told them it was {$900.00}, and they replied saying it was for {$1000.00} which aroused my suspicions. I feel some type of error has taken place but they are not being very helpful.
Product: Debt collection

This was a XXXX XXXX  debt which i paid and settled a while back, this was then handled ITEM IN DISPUTE : LVNV FUNDING LLC DISPUTE REASON : Accuracy This account is settled. 
This account is not a collection or charge-off. 

I have repeatedly told them to show me statements as the collection is invalid and also mailed them i dispute this but they have not provided any evidence LVNV funding need to delete this dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six 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 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 XXXXXXXX Date Opened : XX/XX/2003 Balance : {$10000.00}. 

In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.
Product: Checking or savings account

After my wedding on Thursday XX/XX/2023, I went to a Chase branch to deposit all of the gift money that I received. I specifically went to the branch located at XXXX XXXX XXXX XXXX, XXXX, NY XXXX, slightly before XXXX EST time on Friday, XX/XX/2023. 

I tried to deposit a total of {$28000.00} into a Chase ATM at the branch as soon as I got there. The first deposit of {$5400.00} in cash of all XXXX dollar bills went through. I then tried to deposit the rest of the funds, which totaled to {$23000.00}, in cash ( multiple denominations- XXXX, XXXX, XXXX, XXXX, XXXX ) and checks. During the transaction, the Chase ATM confirmed the total amount, and I then pressed a touch screen button on the ATM to finalize the deposit. Although, the ATM froze after this, and then dispensed some/all the checks back to me ( I do not know if it was all of the checks, since there were many and I did not count exactly how many there were ), but did not dispense any of the cash back. As soon as this transaction failed and the checks were dispensed, the ATM printed out a receipt, and then I immediately asked a worker at the branch for help, who then told me that there was nothing that they could do, and to call Chase and file a claim. 

The total amount in checks that I got back from the failed deposit was {$10000.00}, which I then went to a teller at the branch and deposited, but there is still {$13000.00} that I inserted into the ATM that I do not see in my account. This money was swallowed by the ATM. 

I had to call Chase multiple times, and for some reason there were XXXX claims filed - I was told the first claim was filed incorrectly ( was not even given an explanation as to why ). 
In addition, Chase did not provide any helpful information to me on what kind of investigation they will perform to ensure that my account is properly credited, and I have not received any written email/messages from Chase yet to ensure that I will be made whole. I do not have any assurance that my funds will be given back to me, and I believe that they told me that a third party company is the one that reconciles their ATM amounts- how do I know that this third party company won't just take my money and tell Chase that the money I deposited was never actually deposited? 

First Claim number : XXXX Second claim number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my updated credit report, I realized that the same information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX : {$6700.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting

I ca n't get my credit report on this site. 
I also noticed on a other site on authorized user account I 'm being held responsible for the debt which is not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX OF XXXX XX/XX/XXXX XXXX TECHNOLOGIES XX/XX/XXXX AMEX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX. XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX FINANC XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX KEYESEUROP XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX TD AUTO FIN XX/XX/XXXX ELAN FINANCIAL XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I disputed inaccurate information with XXXX in regard to this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX and another XXXX  XXXX for $ XXXX stated the information was verified and accurate. I checked my credit report the information is still inaccurate. The report shows the payment history for XXXX XXXX begins in XX/XX/2019 which is another inaccuracy! How payment history begins XX/XX/2019 and account opened in XX/XX/2019. The accounts for XXXX also showing various inaccurate late payment of 30, 60, 60 then 90, 90, 120,120 late. inaccuracy which shows XXXX, XXXX, Equifax never verified this account for correct accuracy. Who verified this inaccuracy which company and what date were these accounts actually verified for accuracy? 
These accounts are clearly inaccuracies that XXXX, XXXX, and Equifax allowed to remain on my credit report is inaccurate. These accounts are deemed 100 % inaccurate and should be deleted immediately. Please delete these accounts effective immediately. This is my right per the Fair Credit reporting Act to request this ( FCRA ). ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consu be inaccurate or incomplete or can not be verified, the consumer reporting agency snall. ( 1 prompty delete that item of Information from the file of the consumer, or modify that item of information. as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the modified or deleted from the file of the consumer. I'm asking that you delete these inaccurate accounts on my credit report and send me an updated copy of this report in 15 days. Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

XXXX/XXXX/XXXX I took a car loan of {$16000.00} from wells fargo services dealer. 
Till this date XXXX/XXXX/XXXX i have pay more then that loan amount of {$16000.00}. 
My car value is way less then what i owe, and the remaining balance keep increasing. My bill amount it always vary. 
I think that if i have pay more of what my car loan amount was they should just clear my debt. 
But they do n't want to believe in my math calculation they do n't care they said, that they do n't know where am getting those numbers. 
I told them i added all my bills payment since the day i started to pay my car loan.They reply back that they not allow to do the calculations.
Product: Debt collection

I RECEIVED A SUMMONS ( XX/XX/XXXX @ XXXXXX/XX/XXXX. XXXX STATING THAT IM BEING SUED FOR {$1700.00}. I'M NOT SURE WHERE THEY CAME UP WITH THIS AMOUNT. 
I'M ON XXXX AND CAN NOT AFFORD TO PAY FLING FEES, ETC. THIS CREDIT CARD DEBT WAS CHARGED OFF XX/XX/XXXX. ALMOST TWO YEARS AGO. 
THIS SITUATION HAS GIVEN ME SEVERE XX/XX/XXXX AND MY XXXX HAS GOTTEN WORSE. I HAVE XXXX AND CAN NOT EVEN THINK OR COMPREHEND WHAT PEOPLE ARE TRYING TO TELL ME TO DO. I'M ALSO EXTREMELY AFENDED WITH THEIR CLOSING " WHEREFORE. PLAINTIFF " PRAYS '' FOR JUDGEMENT AGAINST DEFENDANT. '' I FEEL THAT IS A HARSH STATEMENT TO BE USED IN A SUMMONS, I FIND IT HEARTLESS! WHO " PRAYS '' FOR SOMETHING LIKE THAT. THANK YOU, I LOOK FORWARD TO HEARING FROM YOU.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian never notified me of the outcome of an investigation into an account/credit card and refuses to correct inaccurate information on my account listed as XXXX XXXX XXXX. On my credit report it is listed as a closed/charged off credit card account opened in XXXX with {$15.00} written off. I have disputed this twice with experian. Neither time did Experian notify me of the outcome or share information. On my credit report the phone number for the company listed as XXXX is not a working phone number. 
My report shows that Experian " Completed Investigation of FCRA dispute on XX/XX/XXXX but no results or information has been shared and this has not been corrected or removed. In addition, this is listed as a " joint account. '' Also on my report, a " reinvestigation info '' section reads that the items were " updated from our processing of dispute in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with Experian, XXXX and XXXX XXXXredit reporting agency. 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 regards 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 Balance Owed : {$0.00}, XXXX XXXX XXXX XXXX Balance Owed : {$420.00}, XXXX XXXX XXXX XXXX Balance Owed : {$2400.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance Owed : {$550.00}, XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX NC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I was called by CDS XXXX who reported to have been referred to me through a recent XXXX XXXX XXXX XXXX. They claimed that if began paying them a monthly fee of XXXX Dollars for 6 to 18 months, I would resolve my XXXX XXXX credit card debt with XXXX XXXX. I was advised to pay this through an ACH check tht they cashed every month for a year. My credit score would be improved be either A ) Canceling the debt through requests to the 3 credit bureaus or B ) settling the debt amount with XXXX XXXX if the first option was not successful. I was advised to stop paying the credit card debt and avoid contact with the creditors/ advise them I am now working with CDS financial. In XX/XX/XXXX XXXX XXXX claimed that my account was now resolved and my credit score was XXXX points higher through the credit monitoring service they offered. My credit score is XXXX points lower on all other services such as XXXX and XXXX XXXX. In XX/XX/XXXX I was served with a Law suit for the credit card debt. Since then, XXXX XXXX has written a fraudulent letter stating they are negotiating a debt settlement with XXXX XXXX. I am now forced to pay this debt through a law suit. When asked for a refund due to the lack of services provides, they reported they could not refund any money because the account was closed in XXXX, They have not offered any help and have avoided contact since this. They have simply taken over XXXX of my money and advised me to damage my credit score. I now understand credit repair is a very unregulated market and is exploiting vulnrable people trying to rebuild their financial wellness