23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to dispute the inaccurate debt reported in my name. I visited XXXX XXXX XXXX in Kentucky on XX/XX/year> and applied for Financial Assistance after receiving bills from various providers. Although I was not qualified for Financial Assistance, I was approved for the XXXX XXXX XXXX, which fully covered all costs. Before this coverage was applied, XXXX XXXX XXXX sent my account to a debt collector. I clearly explained this situation to you at Wakefield and Associates. Additionally, I contacted XXXX XXXX XXXX, explained the matter in the same way, and sent a copy of my coverage letter via fax. They confirmed receipt of the fax and informed me that my balance was cleared. 

Despite this, I continue to receive calls and reports from Wakefield and Associates. I have proof of my coverage letter, and this debt claim is inaccurate. I believe this debt collection attempt is fraudulent. Also, they reported this false information to XXXX is not acting fair and accepting my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I mailed dispute letters for the negative items on my credit report to be investigated. After applying for internet services through century link I was told that their was already XXXX count opened at another address but I didnt live their so I provided a copy of my military orders to show to century link and was told to check my credit for other items. After viewing my credit in XXXX XXXX  i have over 90 credit inquiries and most were from fraud so I got a police report through XXXX XXXX Kansas police department located outside XXXX XXXX Kansas. I faxed it over to the burea on XX/XX/XXXX at XXXX at the box and ship located in XXXX XXXX Kansas . At the time I had credit repair companies fixing my credit which was XXXX XXXX XXXX XXXX XXXX XXXX. They both submitted the police report and I received letters stating it was added to my report but whenever I call the three bureas I dont get an answer. They told me it was under investigation and the link they provided doesnt work its always unavailable. Ive tried contacting the companies from which the inquiries came from but they dont keep records was what I was told from representatives.
Product: Credit reporting or other personal consumer reports

This complaint is executed to dispute and seek immediate correction of inaccuracies reported by the bureaus regarding one account and four hard inquiries that were not authorized by me. 

Specifically, the XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ) was opened on XX/XX/XXXX, as an individual account. The account status is paid and closed, with the status updated in XX/XX/XXXX and on XX/XX/XXXX, multiple unauthorized hard inquiries were made on my credit report, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize these inquiries, nor did I apply for credit with these entities. As a victim of identity theft, I formally request that these fraudulent inquiries and account be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I did not authorize this hard inquiry that has appeared on my credit report. I was researching rates for a home equilty line of credit, but did not have proper information that the research was going to create a hard inquiry of my credit being pulled. No further action occurred from me with this company, as I was not in a true relationship with them for a loan. 

According to the fair credit reporting act You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 Nelnet moved XXXX XXXX  from XXXX account to another without my knowledge or consent which caused my credit score to drop XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint to INNOVIS. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I got an alert from my credit reporting agency that my credit usage went up from 3 % to 72 %. I had recently gotten an auto loan from Wells Fargo in XXXX and made my first payment on XX/XX/25. Day later I get this alert which brings my XXXX XXXX down for XXXX to XXXX instantly. The total amount of the loan brought my total debt from {$430.00} to {$35000.00}. The auto loan amount is being reported like a line of credit as if it was a credit card, but my loan with Wells Fargo should be reporting like an auto loan instead. This will make it to where my credit usage will always be high if this is not corrected.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXXXXXX XXXX XXXX XXXX XXXX5 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previous addresses includes unknown address. Four years were added to my age. I am aware of a person who has similar data to mine who has used my credit over the past 30 years. ( Ive never had a XXXX XXXX ). I looked her up myself. It seems that shes found XXXX. I didnt see signs of her breach unless it is in the XXXX XXXX report which I did not recognize- but was good. Im hoping that I am getting I D protection provided by the Fed Government where I was breached twice. I could not see that addressed.
Product: Credit reporting or other personal consumer reports

Flagstar Bank reported negative on my credit on XXXX different occasions, most recently XXXX, past due payments. The account was for a joint mortgage account, that my ex-wife was in charge of, but never had re-financed or sold, until just this month of XXXX. 

The divorce decree, from XXXX, had indicated that she was wholly responsible for paying on the account and had a deadline of XXXX to re-finance or sell the mortgage, so my name would be taken off. This was also not done until recently. On my part, I did not take her to court to resolve this, as it would not have been a humane action to take, as her mother and XXXX pets were living in the home. 

When I submitted a dispute with XXXX XXXX XXXX XXXX XXXX Flagstar banks decision and XXXX it was accurate. Flagstar, when I submitted a report inquiry to have the credit fixed on my behalf, due to the divorce decree, replied that the information was accurate and no changes would be made. 

My point of contention in this is the fact that my ex-spouse was then able to sell the mortgage this month of XXXX, without anything needed on my behalf. I did not have to sign any paperwork, nor did I receive any compensation for the sale of said mortgage loan. If this is the case, then should not all of the negative reporting on my credit account then be taken off regarding Flagstar Bank?
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting an account from XXXX XXXX that is reporting inaccurate information on my credit file. Transunion refuse to conduct a reasonable investigation into the erroneous reporting from XXXX XXXX. Transunion is reporting from XXXX XXXX an incorrect account status stating " Account included in chapter XXXX bankruptcy ''. 

As of XX/XX/2018, I do not have a Chapter XXXX or XXXX Bankruptcy listed on my credit report ( Public Records ).
Product: Debt collection

I have some collections with XXXX with spring oaks capital for XXXX I have another on from spring oaks capital to for XXXX dollars and I have another from diversified XXXX XXXX for XXXX dollar and XXXX more collection from XXXX XXXX XXXX for XXXX dollars according to the law frca section XXXX it's illegal to report information on my credit report
Product: Mortgage

You are about to hear the craziest story. NewRez LLC NMLS # XXXX automatically put me on covid assistance when I didn't ask to be put on it. I found this out in XX/XX/2020 when they didn't take automatic payment that has been set up since the beginning of my loan. In XXXX I noticed my payment was not taken out of my back account and called and questioned why it was not taken out. At that time they told me that they enrolled everyone in this program which I questioned and asked if that was legal. I told them that i didn't ask to be signed up for this program and to remove me right away and put my regular status back on Let 's fast forward two months later. I was out of town and just got back and had letters in my mailbox that i was delinquent on my payments and they reported me to the credit bureau. I called and quested this and once again was given an excuse to why it happened. They gave me some excuse and told me they forgot to turn back on my autopay. I feel like this company is trying to report me and raise my rate for being delinquent or trying to foreclose my house. When I called, they once again made it seem like it was my fault. Its seems like this is highly illegal for someone to sign me up in a program that I never asked to be put into. Then they mess up my payment structure and hold me accountable. I asked for them to send me a letter or email explaining what they did because I don't want to mess up my credit and they said they would but I never received it. I would love your help. This company has been nothing but shady since they purchased my load. THese types of companies should not be allowed to purchase loans. Thanks XXXX
Product: Debt collection

XXXX  Card services has been calling my cell phone 2-3 times a day every single day for past several weeks. Even after requesting them and writing them to stop contacting me by phone. I plan on paying my debt I am just jobless after a move. The company has ramped up its calling efforts and is now calling me more then 2-3 times a day. I had 6 calls today alone from them. I want them to stop calling me.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Credit Acceptance Corportation, who controls my car loan, has reported missing payments after a repossession in XXXX of XXXX. I have a payment arrangement made with said company after the repossession fees were paid off. All of the payments per the payment arrangement have been made on time or early since XXXX of XXXX of XXXX. 

On my credit report Credit Acceptance Corportation has reported no payments have been made towards this loan since XXXX of XXXX, which is incorrect as payments have been made on time or early since XX/XX/XXXX. 

I have contacted said company and disputed this on my credit report multiple times, with no resolution offered. This is defamation of my character and credit worthiness, and I would like this resolved so XXXX XXXX, XXXX, and other credit reporting agencies can correct this information and update my account so I can purchase a home.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following inquiries and ask for their removal from my credit report. I am writing to dispute the following inquiries and ask for their removal from my credit report. Item No. Please have these unapproved inquiries removed from my credit report within 30 days, as it is harming my ability to obtain new credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is totally frustrating to see Equifax Information Services LLC, reports wrong information on my credit report and they do not have proper address to be reached. It really heats my credit and my time and money is unnecessarily wasted following up with this erroneous account information with EQUIFAX and they keep verifying the account without reasonable investigation being done.please take this incident seriously and delete it immediately Account Under Dispute : XXXX XXXX XXXX XXXX - UNKNOWN ADDRESS - previously this account was verified that information is correct but when I went and write a letter to the debt collector they where not at the address that listed on my credit dispute response communication mail. You need to DELETE it immediately.
Product: Debt collection

XXXX   XXXX   XXXX   in  XXXX  Alabama has put a bill into collection on my credit. The bill was for my daughter, who stays in Mississippi and is on  XXXX . The opened date was  XXXX . Account was reported on  XXXX  on my credit. It is a balance of {$370.00} that should have been handled by her  XXXX . Her primary guardian is her mom, therefore I 'm unable to carry her on my insurance which is locally based  (   XXXX   XXXX   )  which is provided through my job. Debt was sold to  Holloway Credit Solutions LLC.
Product: Debt collection

I am writing to formally bring to your attention a significant breach pertaining to false reporting, specifically, the validation of an account without the requisite provision of account level documentation. This action directly violates the Fair Debt Collection Practices Act ( FDCPA ). 

I dispatched a Validation Notice via certified mail with tracking number XXXX XXXX XXXX XXXX XXXX XXXX LVNV Funding LLC. Upon review of the information provided, it became apparent that the alleged debt in question was unverifiable and lacked substantive evidence to substantiate my purported obligation. Subsequently, I initiated further correspondence to afford LVNV Funding LLC an additional opportunity to furnish the requisite documentation necessary to validate the purported debt. However, LVNV Funding LLC failed to provide the requested documents and indicated their intent to transfer my personal information, along with the alleged debt, to additional debt collectors named XXXX XXXX XXXX and XXXX XXXX XXXX. 

I hereby demand the immediate removal of all three trade lines associated with this matter from my consumer report, along with the elimination of any accompanying remarks. Failure to comply with this demand will leave me no recourse but to pursue appropriate remedies to rectify this situation. 
Please consider this communication as a formal notification of my intent to address this matter diligently and assertively within the confines of applicable legal frameworks. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

In according whit the fair credit reporting act. XXXX XXXX XXXX XXXX XXXX Has violated my right 

15 U.S.C. 1681 SECTION 602 A. State have the Right to
privacy..

15 U.S.C 1681 SECTION 604 A SECTION 2 IT also States a
c
Consumer Reporting  Agency cannot funish a account
without my writing instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am puzzled why these accounts show up on my credit report out of nowhere.. IT must be that someone use my identity.. The accounts were fraudulently opened in my name..I did not make the charges ..I am requesting that the items be blocked to correct my credit report..XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. 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 to be removed/updated.
Product: Mortgage

We paid our XXXX XXXX payment to Ditech financial and they applied it to our escrow acct. 
We have been getting late notices and late fees and we have called numerous times and they said it 's there fault and a service request has been submitted but there far behind so it will take about a week. Well I call every week and I get the same song and dance. Now today I received a letter from a collection agency stating that they want that payment and late fees! 
I am at my wits end with this company they are going to ruin our credit!! 
There is no one else to speak to when I ask for a supervisor to try to go higher up. 
I just want my payment to be taken from escrow and applied where it should have been applied this company is a joke.
Product: Debt collection

Midland Credit continues to call and harass me about the debt of someone whom I DO NOT KNOW and have informed it of such on the first call to XXXX. Despite me telling its reps that I DO NOT KNOW WHOM THEY SEEK AND TO CEASE CALLING, they still continue to harass me with calls from various numbers, including XXXX ; XXXX ; XXXX, just to name a few. The latest call was on XX/XX/22.
Product: Credit reporting or other personal consumer reports

I Asked These Company 's to provide my written consent that i gave their company to pull my credit and they have not provided me with anything. My credit was pulled on XX/XX/year> as well as XX/XX/year> as well without my permission.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed multiple reports against XXXX XXXX XXXX. Currently I have multiple accounts negatively reporting on my credit reports daily, yearly and in multiple collections accounts in their behalf. These accounts are false! I took out a loan with XXXX XXXX  and later refinanced the loan after paying it down. This was suppose to close the old loan and open a new loan. However they never closed out the old loan in the system and we were being billed double. We complained and nothing was done and they charged off our account. After the company was sued in a CLASS ACTION LAWSUIT we received a debt forgiveness letter and tax form. We paid taxes based on the forgiveness and it was never applied properly to the accounts, collections or credit bureaus. Instead multiple accounts, multiple collections all with different amounts and dates with various company names are being reported. This is reflected in the loan dates XXXX XXXX XXXX OPENED ON XXXX, XX/XX/XXXX, XX/XX/XXXX. Were also being charged for a loan for XXXX XXXX AND XXXX XXXX. XXXX XXXX is now named XXXX XXXX. My loan was paid in a timely matter until someone messed things up as you can see in my history with the original loan. This is Fraud. Im being harassed by bills that arent even valid. The company was sued by a CLASS ACTION LAWSUIT and we received a forgiveness letter with a tax notice to summit with our taxes however their are multiple collections with various companies for multiple loans and amounts opened in my name and credit. Everything has the wrong information most importantly my credit report and account history with XXXX XXXX XXXX.
Product: Debt collection

While reviewing my XXXX, XXXX & XXXX credit report, I discovered that a fraudulent collection has been placed on profile .I have specifically advised and requested XXXX XXXX XXXX XXXX XXXX that this debt was as a direct result of ID THEFT of LOST/STOLEN CREDIT CARD which was noted on the account. 
Nonetheless, XXXX XXXX XXXX continues to disregard my request in clear violation of XXXX ; FCRA and my PRIVACY RIGHTS, causing me to be denied adequate housing, meaningful employment and or obtain new credits. 
I have maintained that XXXX must validate the DEBT under XXXX and conduct a through investigation demonstrating with preponderance of evidence that this debt belongs to me and provide me with copies of all verifiable evidence of my culpability to this debt.Absent being in compliance of the law, XXXX, action constitutes gross negligence and need to resolve the matter timely to avoid further unreasonable irreparable pains and sufferings. 
For the records, the account in question is SYNCB/TJX CO PLCC # XXXX
Product: Money transfer, virtual currency, or money service

I submitted a deposit into my XXXX  account in the amount of {$1900.00} to cover the cost of 1 ethereum. After hitting submit my account showed that I had {$1900.00} in my assets so that's when I went ahead and purchased the 1 ethereum. Once I purchased 1 ethereum my account went from {$1900.00} to over {$3700.00}. I freaked out and spent the next several hours with 2 different online chat agents asking why my account went from {$1900.00} to over {$3700.00}. Neither one could answer me. This whole scenario was on Saturday, XX/XX/XXXX. On Monday, XX/XX/XXXX my personal checking account had 2 transactions from XXXX. One in the amount of 1 ethereum and the other transaction for {$1900.00}. I didn't authorize this. I put a stop payment on the {$1900.00} because XXXX  already took out the money for 1 ethereum. That's when XXXX  put a hold on all my money until I paid another {$1900.00}. So I paid the {$1900.00}. 

Now as of XX/XX/XXXX, they still have all my funds on hold and refuse to give me an answer why or let me know when I'm able to access my funds. I don't deserve this.
Product: Mortgage

Company refuses to withdraw PMI from our mortgage even though the numbers are correct to drop it.
Product: Credit card

Recently I closed a citi bank credit card. It was opened for me when XXXX changed from XXXX to Citi Bank. Upon closing the card the Citi representative told me I would forfeit my reward dollars. This does not seem right. My rewards $ 's was small, but I 'm sure some people lost large dollars and in the aggregate it represents a windfall profit for Citi Bank.
Product: Mortgage

XX/XX/2022 The following attached document happened on XX/XX/2022. 
Regards, XXXX XXXX XXXX