23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am formally disputing the late payment entries on my credit report : XXXX - XXXX - {$3200.00} XXXX XXXX XXXX - {$0.00} These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal law.
Product: Mortgage

I had a Loan Modification granted after 3 years working with XXXX different Banks first was XXXX where I was offer a modification, a trial period was set for 6 months where I was paying about {$1700.00} a month for 6 months when I finished the 6 months the bank did not grant me the modification and send me a letter telling me that they will not longer service my loan and will be transfer to Green Tree where my principal was increase in {$140.00} and also the Interest to 6.125 % I accepted this modification since I work very hard and give a substantial down payment my payment was set to be {$4100.00} and 3 months later increase to {$4200.00} then to {$4300.00} and 20 months later to {$5400.00} where it was impossible for me to make this payments. I contacted the Institution Green Tree and they said they will try to HELP me modifying the payments back to the original {$4100.00} but I have to continue making payments at this point I ask my relatives for help and they help me for over 6 months where Green Tree one more time offer to modified the loan and go back to the original amount off {$4100.00} but This never happen and the loan one more time was transfer to Ditech Financial where My loan Number and the rest of my information never change only the name Green Tree to Ditech Green Tree was name in XXXX large class action Law suits where recently I was add to be part of the claim against them for irregularities on my loan. 
Dithech send me a letter inviting me to a meeting organized in XXXX XXXX for different banks to help people like me with Mortgage Problems where I was inform by Ditech personal that my loan HAD MANY IRREGULARITIES and one more time was offer a modification They ask me one more time to submit all the paper work via fax witch I did but they keep telling me that they did not received them at this point I begin to send all the documents via CERTIFIED LETTER at least 2 times this time they accepted that they received them, but coincidentally I just reconceived a letter from Ditech telling me that since I have not pay my mortgage for 6 months I am not eligible to be considered to modified my loan. I send every paper the requested by Fax and also by certified mail at least 2 times in the past 6 moths but one more time they refuse to gave me a loan modification.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Date XXXX Balance : {$10000.00} Charge off Inquiry : XXXX XX/XX/year>
Product: Checking or savings account

I have a business advantage relationship banking account at Bank of America. They are charging me {$29.00} a month for no reason at all. Starting 7 weeks i started calling them at the number they list on my statement XXXX. I have been on hold for 9 hours. Two time i got a recording saying I could enter a call back number. I did that. When I received the call back, the person said " I can not help you because this is a business advantage account. '' I asked how can I speak to somebody in business advantage. They said " I don't know. '' I have another account with Bank of America with over {$30000.00} in cash in it and they refuse to link my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and XXXX am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX  XXXX Balance Owed : {$950.00} XXXX XXXX  XXXX Balance Owed : {$190.00} ARS XXXX Balance Owed : {$780.00} ARS XXXX Owed : {$780.00} ARS ( Original Creditor : XXXX XXXX XXXX ) XXXX Owed : {$780.00} XXXX XXXX Owed : {$600.00} XXXX XXXX Owed : {$1100.00} XXXX XXXX Owed : {$5200.00} XXXX XXXX COL XXXX Balance Owed : {$5000.00} XXXX XXXX XXXX XXXX Balance Owed : {$1000.00}
Product: Debt collection

Allied Business Group ( also calls me under the name of XXXX XXXX ) sent a debt collection letter giving me until XX/XX/22 to dispute. The supposed debt amount is {$1700.00}. 

I sent a notarized debt validation request letter on XX/XX/22 via USPS Priority Mail requesting validation amongst other things, and requested they do NOT contact me via phone until validation is sent to me. According to tracking it was delivered to the correct address XX/XX/22. 

They have persistently called and texted under these two names ( same phone number ) and failed to provide validation of this supposed debt within 30 days, or at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two hard credit inquiries on my credit from Bank of America. One on XX/XX/2022 and one on XX/XX/2022. These are false inquiries and are fraud. Someone has been applying for credit cards through Bank Of America in my and my spouses names.
Product: Debt collection

After receiving notice from a different debt collector regarding a debt of {$210.00} they were trying to collect, I sent a letter noting that I do not have any responsibility for the debt for which they were trying to collect. I then received a letter from Resurgent Capital Services dated XX/XX/XXXX for the same debt, stating that unless I notify them within 30 days after receiving that notice that I dispute the validity of the debt, they will assume the debt is valid. They sent another letter dated XX/XX/XXXX, which included a copy of a bill from XXXX for someone with the same name as me, but for an address, state, phone, and account that did not belong to me. I sent a letter dated XX/XX/XXXX, stating that the debt does not belong to me and I have no responsibility for it. I noted that none of the information in the billing statement they provided corresponds to me. I requested that they send a letter stating that they agree this debt does not belong to me within 30 days of receiving my letter. I also requested that they stop all other communication with me. I also requested that they not forward my information to another company and that they notify the other companies mentioned that this debt is not mine. I asked if they had reported this to a credit bureau that they notify them that it does not belong to me and to remove it from my credit record. I let them know that they have no permission to use the information I have provided for any other matter at any time and requested that they remove my information from their records. 

I received another letter from Resurgent Capital Services dated XXXX XXXX, XXXX. That letter included the same information that was included in the one sent XX/XX/XXXX & XXXX. I sent another letter on XXXX XXXX, XXXX, stating categorically that this debt does not belong to me. I stated that none of the information in the billing statement provided corresponded to me. I have never lived in that state, I have never had a phone with that area code, I have never had an account with the original company with that account number and that I owe them nothing. I once again iterated that they should stop all communication with me in any form and to notify the other company ( ies ) that this is not my debt. I also stated that they have no permission to use the information I have provided for any other matter at any time and to remove my information from their records. 

I received another letter from Resurgent Capital Services dated XXXX XXXX, XXXX, stating that they have initiated a review of the inquiry recently received. 

Additionally I believe they either shared or sold my information to another debt collection agency which has now contacted me regarding a different debt that does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Address XXXX XXXX XXXX is on my credit report and i never lived there ever. I may be dealing with fraud because accounts was open with these companies i know nothing about. List of companies or XXXX XXXX XXXX, Midland Credit XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, 3 with XXXX XXXX XXXX  and XXXX XXXX XXXX. I have'nt open any acounts in XXXX or XXXX.
Product: Debt collection

Per the previous complaint I deny all accusations in the response. Amex had the nerve to submit verified to the credit bureau and state a payment was made from some account. I had an Amex card back in XXXX for corporate use ( not the account holder ) with a company called XXXX XXXX. This doesnt match any account information. This card was to my understanding closed after the owner was forced to. I again deny all claims and find great insult in accusations made by American Express. I consider this slander and its a great insult to my reputation and causing great stress and aggravation. Amex, You have broken the law under FCRA/FDCPA multiple times. I am taking action in court if this is not removed promptly. Last attempt before I file in special civil.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly a collection from XXXX XXXX on behalf of XXXX partial account number XXXX. ( Please see page 4 of the attached credit report. ) I had a security system through XXXX. I have since left the residence and XXXX charged me an early termination fee. I never received any written documentation and any early termination fee was never explained to me. XXXX has refused to provide me any documents and/or a contract showing me where there would be an early termination fee. After several conversations with multiple representatives, XXXX told me they resolved the issue and that I did not have to worry about the termination fee. In XX/XX/2019 I was sent an email stating that I had a negative balance of {$93.00} and that XXXX had sent my account to collections. I paid the {$93.00} even though I didnt owe this amount hoping that XXXX then would take this account out of collections. I again began another round of telephone calls with multiple XXXX representatives and was told that XXXX would contact the three credit bureaus to have this negative item removed from my credit report. My credit report is still showing this line item. This is an unsubstantiated claim and I dont have any outstanding debt with XXXX. Please delete this line item from my credit report. This incorrect reporting is harming my credit score.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit, and saw accounts that i have no idea about, they hurting my ability to get credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my information and has been using it to trying to get car loan ect.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 if 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

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this.
Product: Payday loan, title loan, personal loan, or advance loan

My Paypal account that was hooked up to my debit cards were used to make purchases that I did not authorize and had made Paypal aware of this, and they were supposed to close my PayPal account and refund me for the charges made on the card, but instead I got a letter from a debt collector, saying that I owe the balance, even though PayPal was made aware that this was fraud and that I had filed a police report and identity theft report due to my account being accessed by someone other than me to make these purchases
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent however, 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 unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX : {$260000.00}
Product: Vehicle loan or lease

I paid my XXXX payment for car note for {$460.00} and Truist applied it as an interest only or principle payment and did not pay my monthly car note and it reported to the credit bureau for a 30 day late payment. I have paid this car note consistently the same way for 3 years and have never been late. Truist said they see their mistake but can not change it and that I would have to contact the credit bureaus. I contacted all 3 credit bureaus and they all said it was Truist mistake and they are the only ones that can change it.
Product: Debt collection

Midland Credit calls at least once a day from various numbers and never leaves a message. I don't know what this debt is for on whose behalf they are collecting.
Product: Debt collection

XXXX sent me bill dated XX/XX/2023. 
They took an automatic payment ( XX/XX/2023 ), from my bank acct on XX/XX/2023 for 2 Cell phones. The amount taken was {$140.00}. This was a reg. payment just before I moved. 
I moved to XXXX on XX/XX/2023 with the number ending in # XXXX and moved the # XXXX number by XX/XX/2023 from XXXX to XXXX. Start move date to XXXX was XX/XX/2023 and last move date was XXXX. 
By XX/XX/2023 I was mailed a collections bill from XXXX XXXX XXXX XXXX 
Called XXXX today ( XX/XX/2023 ) but they would give any info on the past account because I need a XXXX XXXX with XXXX digits. I do not have this XXXX Code so they said I need to go into the store to reset the pass code. I told them do to the pass experiences I was not going in their stores. The female said I can't help you with any info. I said I have an account number on this bill, she said no can't use the acct #, I have the ( 2 ) transfer pin & transfer codes but she said I need you to go into the store to get a pass code on your account. I said, I can't go into the store and don't know what pin you are taking about. She did not even want the security questions answered...... okay ... Called the called the Collections company. # 1 ) the collections company gave me the itemized amounts of why they are charging XXXX # XXXX ) # XXXX ) XXXX needs to send me the proof that I owe {$340.00} because they got my account from XXXX plus XXXX has been over charging me for more than 2 years. # 3 ) XXXX owes me money due to many factors # 3 ) itemize why I owe {$340.00} when my account was moved to XXXX XX/XX/2023 XXXX # 4 ) I went in XXXX store in XXXX XXXX XXXX XXXX  and XXXX a ( less expensive secondary phone ( about 2 years ago ) paid for the phone in full About {$200.00} w/o tax ( # at that time was XXXX ) model # XXXX, XXXX # XXXX ) XXXX XXXX XXXX. The person said she was a XXXX, took my debt payment but when the bill came out I was charged about {$35.00} a month for XXXX years. No one would help me with this over charge ( for the phone ) on my bill about. There was monthly billing charge and insurance charge. Please send me the itemize charges for # XXXX plus the itemize docs when the cell number was changed to XXXX. These over ( on the secondary # ) charges is one of the main reason I left XXXX. # 5 ) Don't like dealing with crooks. Again XXXX owes me hundreds of dollars. I wish the CFPB knowledge and assistance had been available to me sooner. I am a senior and will not be a financial victim any longer!!!
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX has violated my rights. Or list of inquiries 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Equifax, I received a copy of my credit report and am writing to dispute the following information that appears on my Equifax report XXXX 

Please verify or remove immediately the following accounts : XXXX XXXX XXXX XXXX I previously disputed this account stating : " I dont remember ever being late with a payment on this account. '' I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

XXXX XXXX XXXX XXXX XXXX I previously disputed this account stating : " I never had a contract with this debt collector for any debt. '' I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

XXXX XXXX XXXX XXXX I previously disputed this account stating : " I dont recognize this lender and account. '' I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

XXXX XXXX XXXX XXXX  I previously disputed this account stating : " I dont recognize this lender and account. '' I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

XXXX XXXX XXXX XXXX I previously disputed this account stating : " I dont recognize this lender and account. '' I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

I have an account with PACIFICUNION with the account number XXXX. The dates where it shows that I am late in making my payments were an error. I have not received any billing information from them or any notification stating that I am late. I have reached out to XXXX and XXXX Bureaus and furnisher but I have not received any forms of response from both parties. Thus, I am sending this complaint to seek help and assistance for me to have this account to be removed.