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

I do not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? there is no full account number, how is this listed with no account number? whe was last activity of the acount? if this was charged off then there needs to be a cancellation of debt 1099, you can not collect on debt that has been charged off i need accurate data points NOT REPORTING ACCURATELY ACROSS ALL BUREAUS please remove I have been sick with covid for a year and alot of abuse was done to my credit15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Discover Bank Discover Bank  ( Revolving ) Accounts - Summary XXXX XXXX XXXX Last Updated XXXX, XXXX XXXX, XXXX Payment Status Charged off as bad debt Unpaid balance reported as a loss by credit grantoXXXX Worst Delinquency None Reported Charge Off/Other Derog Balance {$5400.00} {$5400.00} Credit Limit {$5000.00} {$5000.00} Credit Utilization 110 % 110 % MORE DETAILS Discover Bank ( Revolving ) More Details XXXX XXXX XXXX Closed XXXX XXXX XXXX, XXXX Open Date XXXX, XXXX XXXX, XXXX Last Activity XXXX, XXXX Terms Revolving Scheduled Payment High Balance {$5400.00} Loan Type Credit Card Credit Card Responsibility Individual Account Individual Company Name Discover Bank Discover Bank Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX City, UTPhone ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information that continues to appear on my credit report. Despite multiple attempts to resolve this matter, including sending previous dispute letters to the credit bureaus, I have yet to receive satisfactory feedback or resolution. 

The personal information in question are not mine, and I request that you remove these erroneous items from my credit report immediately. I have already sent the necessary documentation, including a copy of my ID/DL and proof of address, through USPS to verify my identity. The information on those documents matches only my personal details, and the disputed accounts are not associated with me. 

Please take immediate action to correct this issue. I expect this matter to be resolved promptly and will appreciate confirmation once the inaccurate information has been removed. 

Thank you for your attention to this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is actually my second complaint against the Credit Reporting Agencies this year. I placed a dispute in as I am victim of Identity theft in XX/XX/XXXX via the mail and I received no response. I then went forth to upload direct into the CRA and sent the dispute via fax at the end of XX/XX/XXXX. The dispute was submitted with supporting documents on the basis of Fair Credit Reporting Act, Section 605b which states that a victim of identity theft that has accounts breached or established without proper authorization or benefit should be blocked in 4 days. I have attached the supporting documents to this complaint entry.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not mine - I have never done business with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent AMEX multiple Cease & Desist letters to stop them from contacting me about an alleged debt. The Cease & DesisXXXX also requires them to stop reporting to my credit file. It is against my right to privacy. The alleged debt do not belong to me, I am a victim of identity theft. I asked the company to provide me copies of my wet ink signature opening the alleged debt but I have yet to receive it. They are still contacting me about the alleged debt and reporting to my credit file which damage my general reputation.
Product: Mortgage

Freedom mortgage will not cancel my impound account. They state the LTV of my loan is above 80 %. With my previous servicer PMI was dropped after an appraisal justified the LTV was below 80 %.

Freedom mortgage is non responsive to emails and requests in their portal. I can not speak with any decision makers on the phone nor will they respond via email. 

I wish to cancel my impound account which is within my rights as my LTV is well below the federal required LTV.
Product: Mortgage

I have been with this mortgage company for 20 years the last year has been a real challenge due to covid and my XXXX XXXX I fell behind and has not payed for 1 year.I requested a modification and sent them all the required documents. I`m now able to handle the payment and sent them letter from XXXX XXXX XXXX XXXX XXXX XXXX which stated XXXX annual salary. Additionally I sent my social security statements from me and my wife which is {$2800.00} per month. My son XXXX XXXX has moved in to our house and I sent his W-2 which is {$160000.00} and will be contributing. I was denied a modification due to XXXX  score, and they claimed I had one in the past. True a trial modification was offered and I payed all trial payments. I was sent a modification and I freturned it to late. Rather than going in forclosure and then bankrupcy ( the easy way would for them to give me a realisic modification. My mortgage is XXXX underwater.The name of the mortgage company is SPECIALIZED LOAN SERVICING
Product: Debt collection

I am writing to formally lodge a complaint against Progressive Management System ( PMS ) in light of their continual attempts to collect a debt that unequivocally does not belong to me. 

I was first alerted to this matter by the Credit Bureaus on XX/XX/2023. According to their report, PMS has been persistently trying to collect a debt that I ostensibly owe. This information is entirely incorrect and bewildering as I have no knowledge of any such debt nor have I ever been a debtor to PMS or any related entity. I can not help but think of this situation as a glaring case of identity theft or gross mismanagement on part of PMS. 

Furthermore, I have attempted to rectify this situation several times by directly contacting the agency and explaining the circumstances. Despite those efforts, I have not been met with a satisfactory response or any herald of action on their part. That PMS continues such fraudulent activity is not only damaging to my reputation but is also causing me undue financial strain and stress. 

It is my right as a consumer to be free from erroneous debt claims and to rectify any mistakes promptly and efficiently. Unfortunately, the lack of cooperation from PMS is obstructing me from exercising that right. 

I kindly ask for your help and intervention in this matter. I am eager to collaborate with you in any way possible to clear this mishap and ensure such instances of misinformation that put consumers under undue stress and suspicion are avoided in the future. 

Enclosed with this letter are copies of the notices I received from the Credit Bureaus and my previous correspondence with PMS, illustrating my attempts to resolve the issue on my own. Please reach out at your earliest convenience if you need additional information from me. 

Thank you for your time and I look forward to a prompt and satisfactory resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block these items that were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$17000.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$6500.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4500.00}, ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00}, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently obtained a copy of my credit file and there are many mistakes in my report.   According to the Fair Credit Reporting Act , Section 609 ( a ) ( 1 ) ( A ), you  are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.   I demand to see Verifiable Proofs of the accounts you listed as below :  XXXX   XXXX   XXXX   XXXX  -ACCOUNT NUMBER  XXXX  : Unverified account  XXXX  - ACCOUNT NUMBER  XXXX   XXXX  : Unverified account  XXXX  - ACCOUNT NUMBER  XXXX  : Unverified account   XXXX   XXXX   XXXX   ACCOUNT NUMBER  XXXX  : Unverified account  XXXX  COUNTY RECORDER DATE FILED   XX/XX/XXXX   : Unverified public record US BKPT CT CA  XXXX   XXXX  DATE FILED   XX/XX/XXXX : Un verified public record Additionally, my address is  XXXX   XXXX   XXXX   XXXX   XXXX   ,  CA  XXXX  Please update.
Product: Student loan

Key 2 recovery was hired by XXXX XXXX to collect a debt. Key 2 recovery added {$1600.00} to the balance stating that's what they charges and so that amount has to be paid. They are now reporting to the credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 payment was not late on my best buy card issued by citibank. Company already agreed to fix and they have not.
Product: Credit reporting or other personal consumer reports

I have been a victim of ID Theft for several years Since I was in the military and XXXX overseas. I noticed several public record items on my credit report. I was sure that they did not belong to me. After several communication with the XXXX XXXX XXXX XXXX XXXX. It was determined that I was a victim of Identity Theft. They were very gracious in helping me resolve these issues. XXXX and XXXX showed me great customer service and removed the items immediately. Trans Union has been very difficult to work with. I am asking that they do not continue to treat me as a criminal and provide me with an accurate credit report to reflect my financial character. Please see attached document from the XXXX Bankruptcy XXXX XXXX XXXX. My consumer rights are being violated. Each time I disputed these items, Trans Union responded that the XXXX XXXX verified as accurate. This a false statement. Again please see attached documents from the XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

there are different last date of activity showing XXXX different dates.. asked then to remove immediately. 
How is this account accurate when the date of last activity shows XXXX different dates. violation and to remove immediately Asked for method of verification, how is it accurate when it shows 3 different last date of activity, what was the method of verification? remove immediately.

asked for proof of validation, method of validation, send me the proof of validation or remove this account for failure to CONDUCT a proper Investigation.

Late payments after charge off., prof of validation. violation.Because there are late payments after the closed date was reported this unverified and inaccurate account. is a Violation, please remove it Immediately They continue to report late payments after charge-off, late payments after charge off, you are in violation by continuing to report this unverified and inaccurate account. Violation, remove immediately.
Product: Checking or savings account

# XXXX So on XX/XX/2022 at XXXX I had received my direct deposit in my account. After I receive it, there was an {$800.00} unauthorized transaction that was made on my account after the deposit was posted. In the morning, I immediately freeze my card and contact my bank about the transaction. They told me that they couldn't do anything just yet until the transaction was posted onto my account it was still pending at that time and I'll be able to dispute it. So I had to wait 1-3 business days for the transaction to be posted and then I'll be able to dispute the unauthorized transaction to my bank. On XX/XX/XXXX at XXXX the transaction was posted on my account and I was then able to file a claim to dispute this transaction to my bank. They said that it will take 1-3 additional days for them to review it and to respond back to me. I had ask them about cancelling the transaction and they told me to contact the Merchant about cancelling it. I immediately got in contact with the merchant of XXXX and talk to someone that was in charge and explain to them what had happened. They told me that there was no one that made a purchase of this magnitude in person or online and therefore couldn't help me. On XX/XX/XXXX at XXXX they review my claim and there results was that I basically was aware of the balance and the {$800.00} transaction made on my account. I immediately texted them that there was a mistake on there part because at that time of my direct deposit was posted, I was sleeping and wasn't aware of it until that morning when I saw my balance. They concluded that there was no error occurred and as a result of it, the bank was not able to refund or credited the lost money that was taken out of my account.
Product: Credit reporting or other personal consumer reports

Fraudulent and unauthorized information persists on my consumer report despite multiple resolution attempts. These inaccurate entries, which I never authorized or consented to, have caused significant stress and XXXX as a victim of identity theft.
Product: Checking or savings account

I filed a complaint with CFPB against Chase for refusing to release {$15000.00} that a client paid for services I provided them. Chase 's XXXX XXXX  and We Pay credit card processing business is notorious for crushing small businesses by holding credit card payments made to small businesses. They have bankrupted so many businesses and caused me many issues and stress and problems I can not get out of. Since Filing a complaint against Chase, I received a text message saying my Account was closed and when I called, I was not given any explanation why. So once again Chase Has caused financial hardship XXXX  XXXX XXXX  XXXX  that i never deserved. All I did was use chase for credit card payments thinking it was smart since it was 'Chase ' and then my life was destroyed because of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Sent a certified debt validation letter to the the XX/XX/2018 requesting the company to validate the debt. The company has not responded to my request. The account was discharged through my bankruptcy and the account is still reflecting as if I currently owe a debt of {$850.00}, oliphant purchased the debt from XXXX XXXX. I called the company XX/XX/XXXX to confirm the mailing address and a representative from the company confirmed the XXXX address as the correct address.
Product: Credit reporting or other personal consumer reports

I DID NOT AUTHORIZE 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

I ordered a XXXX  electric power tool. I was charged XXXX. The shop, XXXXXXXX XXXX XXXXe at XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) was unable to assemble the product. XXXX XXXX, shop owner was irate and nasty. He later asked me to give him my gas powered machine for free so he could resell it used. he blamed the problem on me. I feel that I can not return to the shop. I called XXXX  three times. ( customer service ). They never contacted me as promised. Today I called them on a XXXX way call with my credit card, Barclays U promise. XXXX customer service number is XXXX XXXX XXXX. We spoke to XXXX and he said he would try to resolve the problem but my XXXX chharge gas not been resolved from my XXXX XXXX promise charge. their number is XXXX XXXX XXXX. 

Never received any product and the charge is on my card. Please help me resolve this. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Hello I had a {$10000.00} pay cut. I lost a job. I just got a second job plus I have started XXXX and XXXX XXXX to catch up on my bills. Every month Im getting a threat to get my car repossessed by GM Financial. I feel that we are still in a pandemic and people are still struggling financially. Im make a payment each month and they are wanting two payments now in order for me to keep this car. I have less than 2 years to pay it off and I dont want to give it back. There should be something that companies can do to help with situations like this. Its XXXX stressful and causes XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute fraudulent accounts and inquiries that have been reported on my credit file. As a victim of identity theft resulting from a data breach, I request the immediate blocking and deletion of all accounts and inquiries listed below, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts XXXX. XXXX - Account # : XXXX - XX/XX/XXXX - {$950.00} XXXX. XXXX XXXX - Account # : XXXX - XX/XX/XXXX - {$1100.00} XXXX. XXXX XXXX  - Account # : XXXX - XX/XX/XXXX - {$4800.00} XXXX. XXXX  XXXX  - Multiple accounts from XX/XX/XXXX to XX/XX/XXXX totaling {$2300.00} XXXX. XXXX - Account # : XXXX - XX/XX/XXXX - {$1800.00} XXXX. XXXX XXXXXXXX - Account # : XXXX - XX/XX/XXXX - {$2000.00} XXXX. XXXX - Account # : XXXX - XX/XX/XXXX - {$2300.00} XXXX. XXXX XXXX - Multiple accounts from XX/XX/XXXX to XX/XX/XXXX totaling {$1900.00} XXXX. XXXX XXXX - Multiple accounts from XX/XX/XXXX to XX/XX/XXXX totaling {$3600.00} XXXX. XXXX XXXX - Account # : XXXX - XX/XX/XXXX - {$950.00} XXXX. XXXX - Account # : XXXX - XX/XX/XXXX - {$4200.00} XXXX. XXXX - Account # : XXXX - XX/XX/XXXX - {$560.00} XXXX. XXXX - Account # : XXXX - XX/XX/XXXX - {$240.00} XXXX. XXXX - Account # : XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX - Account # : XXXX - XX/XX/XXXX - {$930.00} XXXX. XXXX - Multiple accounts from XX/XX/XXXX to XX/XX/XXXX totaling {$650.00} Fraudulent Inquiries XXXX. XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX  - XX/XX/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  XXXX- XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

delete the inaccurate and incomplete accounts off my Consumer report ASAP its harming my reputation and send me an updated copy
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting a credit card account on my credit file with Equifax, XXXX and XXXX that wasn't authorized by me. I've asked all parties including XXXX XXXX to provide me with signatures, identification used to make transactions that i did not authorize. I asked XXXX, XXXX and Equifax to reinvestigate in XXXX  and nothing was done. As a consumer all parties violated my rights as a consumer per the Fair Credit reporting Act. 15 USC 1681i ( 5 ) ( A ) was violated and therefore the XXXX 's account has to removed from my credit file within 3 days according to the Fair Credit Reporting Act. Please remove XXXX 's account
Product: Mortgage

I received a Loan Modification from Ocwen Servicing ( loan # XXXX ) in 2012. Recently they have informed me that the modification never happened, even though I have documentation from them that I was approved, and I have never been late or missed a payment in XXXX years. ( Since I went on the home modification loan ) XXXX XXXX XXXX with the XXXX XXXX is assisting me, she has all of my documentation. ( XXXX ) XXXX case # XXXX. I also sent all of my documentation to XXXX XXXX XXXX XXXX XXXX expert with the Virginia Office of the Attorney General.. ( XXXX ) XXXX. Ocwen recently sent me a letter through their attorney, XXXX XXXX XXXX ( XXXX ) XXXX that they were in the process of foreclosure. Please help me. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Have lived here XXXX years. The wife and I recently retired as XXXX. Thanks so much!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The creditor Ally Auto is not reporting timely payments to the credit bureaus. They are not reporting the correct loan balance on my credit report. The account is paid up through XX/XX/21. This is a violation of the Fair Credit Reporting Act.
Product: Mortgage

In XX/XX/XXXX2015, I refinanced my mortgage w/Primary Residential Mortgage, Branch Office in XXXX XXXX NJ. Final agreement was signed on XXXX/XXXX/2015. However, after complete review with my son, and discomfort with changes in agreed Closing Fees and the percentage rate, I exercised my " RIGHT TO CANCEL '' and mailed proper form ( XXXX/XXXX/15 @ XXXX ) to Primary Residential Mortgage XXXX. I also informed the Branch Manager, XXXX XXXX of this decision. His immediate response was to make changes ( as first negotiated ) and another agreement was drawn and signed by me on XX/XX/XXXX,2015. 
XXXX XXXX I received notice from XXXX that servicing was transferred from Primary Mortgage. I immediately called XXXX XXXX and questioned the difference ( higher ) in the monthly payment amount. I was told a " research '' would be conducted and I would be notified within 7_10 days. When I received the first " Monthly Mortgage Statement '' I realized myself why the monthly payment was higher -- - INTEREST RATE INFORMATION on this form indicated a 3.990 % rate. I immediately called PrimaryResidentialMortgage with my concern that they transferred the first agreement, cancelled by me. I also called XXXX with these same concerns and again was told a " research would be conducted and this would take 7-10 days. My initial payment to XXXX was sent ( XXXX/XXXX/2015 late ) and in the amount of my signed agreement of XXXX/XXXX/2015. I have continued to make this monthly amount accompanied with a note the explanation for the difference. I have had other contact with Primary Residential Mortgage ( all initiated by me ). The last contact with them, ( XXXX/XXXX/2015 XXXX XXXX, via phone-followed by email ) indicating she was sending me a Mod agreement needed to lower my interest rate. This " overnighted '' package was not received until I called again and questioned its status ( rec 'd XXXX/XXXX/2015 ). As of this writing, I have not signed this document. My question is, " how do you modify an agreement that no longer exists? '' I have absolutely no faith in either Primary Residential XXXX, although I believe Primary is at fault for selling an illegal document and not admitting to this error or taking any action to resolve the situation.