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

Submitted a dispute XX/XX/2020 to Equifax that public record chapter XXXX bankruptcy should not be reported on credit report. I provided proof that public record chapter XXXX bankruptcy was deleted from XXXX consumer report dated XX/XX/2020. How is it that Equifax submits investigation results on XX/XX/2020 claiming that XXXX furnished them information about chapter XXXX bankruptcy when it was deleted? How is this public record verified when I have shown proof that the record was deleted. Also, courts do not furnish third-parties and vendors public records because that would require my full social security number to be given which is against the law. Equifax did not do a proper investigation and pencil whipped this investigation. I have submitted proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act, everything on my credit report has to be 100 % accurate and consistent. 

Experian stated that the account listed below was properly investigated and the results were that the account was " verified as accurate ''. Well how is that possible when the dat of last activity is inaccurate. This is grounds for an immediate removal. 

XXXX - XXXX
Product: Debt collection

The company failed to show me the purchase agreement. 


This debt was negotiated with XXXX XXXX XXXX  back in XXXX. I want to know when they purchased this debt and why the date is XX/XX/XXXX on my credit report.
Product: Debt collection

I did review on the company midland credit management and they had no good reviews. I do n't remember owing the said amount to the actual credit card company but they claimed that 's what i owe them. I feel i owe half of that. They also tried really hard to get a lot of my personal information which made me feel really uncomfortable. They gave me no payment options rather just told me how much I have to pay and when i am going to have to pay it. Then he gave me the address where to mail the payments and it clearly says on the letter not to send the payments to the address he gave me. I am afraid to pay this company for my debt, I feel i will be wasting my money because the reviews they have are awful and they are not XXXX accredited. How do i avoid dealing with them and make a payment to someone who matters? My account manager was an XXXX man that i could barley understand and I 'm unsure if this is even a legit company. I feel because they have my social security number, they that can do bad things to me over such a small debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is showing wrong balance and is not in late status
Product: Mortgage

My home was foreclosed by Greentree in XXXX 2015. I am still working to determine where a more than {$20000.00} payment is with them. In the meantime, their new company, Ditech sent a collections letter in XX/XX/XXXX for {$34000.00}. Upon calling twice, no Ditech representative could tell me what that amount is and how it was calculated.
Product: Debt collection

Ally/ National are calling me 4 times or more a day even on Sunday and Saturday from the moment I am 1 day behind and continue even after i make a payment.
Product: Mortgage

I was contact within a flyer, and they offert me home loan modification. 1 ) They promise me lower monthly payments. 2 ) Come down the principal. 3 ) avoid foreclousure. 4 ) They request money from me.I gave them {$7500.00}, and after that i dont ear from they any more. I paid them whit check.I started with them since XX/XX/XXXX and last time got comunication whit them:XX/XX/XXXX _
Product: Credit reporting or other personal consumer reports

I have noticed some inaccurate information on my credit report, in violation of 15 USC 16c-2. I believe this misinformation is negatively impacting my credit score, and I did not authorize the inquiries listed..
Product: Bank account or service

I am the Trustee of my daughter 's XXXX trust and manage the trust CD accounts at several banks. XXXX of those banks is U. S. Bank, XXXX XXXX in XXXX XXXX, California. The Trust has a CD account, currently around $ XXXX that has been in that branch since XXXX. It gets renewed upon maturity. Last maturity was on XXXX/XXXX/XXXX. I have not received the bank usual maturity notice in the mail, so in such a situation, the bank automatically renews the CD with the same term ( 11 months ) and for the CD rate on that date. The previous rate was 0.5 % and that rate is low but the bank automatically renewed the CD at a ridiculous rate of 0.05 %, which is a rate even low for a saving account. I contacted the bank personally and spoke to the banker and the branch manager and even complained to the regional manager that such a renewal rate is not fair and not realistic for an 11 month CD of $ XXXX. I asked them to show me the CD rate on or about XXXX/XXXX/XXXX and the branch manager said he ca n't get that. I asked the regional manger for the same information and she said she ca n't do anything to correct that rate. I asked for her full name and she refused to give me her full last name. I needed to document the persons that I contacted in the bank for this issue and she did not give her full name. I have other CD account for the Trust and then other bank give around 1 % which is low but acceptable in this market. I find U. S. Bank action in this situation to be very unfair and most likely other consumers can experience such disregard to consumer rights unless the bank is made to be aware of that bad practice. It is ridiculous for an 11 month CD of $ XXXX to be generating around {$3.00} interest per month even in this market.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened a fraudulent account in my name and needs to be deleted
Product: Mortgage

I have XXXX mortgages with Specialized Lender and I never received my XX/XX/XXXX mortgage statement which is what triggers me to pay them. I opened my XX/XX/XXXX statement on XX/XX/XXXX and realized I never psi for XX/XX/XXXX. I immediately paid for both houses and the late fee for XX/XX/XXXX and they received payment XX/XX/XXXX. I thought I was all set until today when I was declined for credit for a new phone. When I called I found out I went from a near perfect credit score to default. I immediately called the mortgage company and they told me I could fax a letter but usually they never reverse the notification they send to the credit reporting bureau. SLS also do n't thing they needed to contact me before they notified the credit reporting bureau. I have never been late before and had a great credit rating and they ruined it and do n't seem to care to help me clear it up. I did send them a faxed email since that is all I could get to deal with my issue and they told me they would let me know what they will do in 30 days. So they ruined my credit and I ca n't do anything tip I hear from them. 

XXXX.
Product: Mortgage

I have my mortgage with Specialized Loan Servicing , LLC and I am victim of predatory lending. the are purposely trying to sabotage my refinance to keep me with them at 7.125 % interest rate. I have been approved to refinance my mortgage and payoff about {$50000.00} in credit card and I have been struggling to get by. I have been trying to get a XXXX done to with SLS now going on almost 5 months. about a month ago they finally got the collateral documents over to their XXXX attorney. The Bank attorney for the lender I am refinancing with requested the XXXX and Assignment a month ago. I am afraid that if this goes on any longer I will loose my mortgage commitment to refinance and pay off my bills and if I loose this mortgage commitment I will no longer be able to pay my mortgage and I will loose my home. please help me and the rest of the consumers out their from unfair business thank you
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I noticed charges being approved by Cash app after I had already reported they were fraudulent. By the evening they had already drained the {$520.00} balance that I had to purchase XXXX gifts. The charges started being approved on XX/XX/XXXX. Some were declined. On XX/XX/XXXX they allowed all to go through. The apps were taking XXXX, XXXX, & XXXX every minute until they started to decline when my balance was {$0.00}. 
I reported through chat, I spoke to different representatives, I was transferred and spoke to other departments to file complaints. I was hung up on several times. I was told they couldn't file all transactions at once and I would have to individually do all XXXX separately. I never received call backs. Only empty replies with no communication and no refund!
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my report from XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$7800.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

Collection account from XXXX XXXX XXXX XXXX with account XXXX XXXXXXXX and a balance of {$3000.00}. The original creditor is XXXX. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Collection account from XXXX XXXX XXXX XXXX with account XXXX  XXXX and a balance of {$4400.00}. The original creditor is XXXX XXXX XXXX XXXX. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Collection account from XXXX XXXX XXXX XXXX with account XXXX XXXXXXXX and a balance of {$2600.00}. The original creditor is XXXX XXXX. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. I personally signed and sent this letter. 

Sincerely, XXXX XXXX
Product: Credit card

Concern Regarding Chase XXXX XXXX XXXX Process and Data Security Breach To Whom It May Concern, I am writing to bring to your attention a concerning experience I encountered during my recent XXXX XXXX XXXX process with Chase Bank. On XX/XX/2024, I applied for a XXXX XXXX from Chase and diligently followed the instructions provided, including submitting requested documents via a secure link within the specified timeframe. I submitted the requested document ( a copy of my XXXX XXXX XXXX along with a copy of my XXXX XXXX  XXXX ) on XX/XX/2024. 

Despite my compliance, I did not receive any communication regarding the status of my application for an extended period. Concerned about the lack of updates, I reached out to Chase at the end of XXXX to inquire about the status of my application. To my surprise, I was informed that my application had expired due to the alleged failure to upload the requested document, which I had indeed submitted within the stipulated timeframe. 

After persistently insisting on the validity of my submission, Chase confirmed the receipt of my documents but failed to provide any further updates on the status of my application. Despite assurances of a follow-up call, no such communication ever materialized. I have to add that I have already had a checking and saving account with them so they already had the requested data from me. 

This ordeal has not only left me in a state of uncertainty regarding the fate of my XXXX XXXX application but has also raised serious concerns about the security of my personal data. I was requested to upload sensitive information, including a copy of my XXXX XXXX XXXX, and the mishandling or potential data breach of such information is deeply troubling. 

Given the gravity of these issues, I am formally filing a complaint with your bureau to ensure that my concerns are addressed and appropriate action is taken to rectify the situation. 

Thank you for your attention to this matter. 

Best Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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

On XX/XX/2019 Diversified Consultants reported falsely on my credit reports i owe them a debt of {$1200.00}, i asked for written prof with my signiture on it that i entered into a contract with them for any services, they may have provided to me it's been more than 60 days and they havent provided any such documents.
Product: Debt collection

This was an old account that was removed from my credit due the medical act appointmented by the President / Government. 
The Medical ACT. 


Phoenix Financial SE Original creditor : XXXX XXXX XXXX  Opened : XX/XX/2022. 

Balance : {$1800.00}
Product: Credit reporting or other personal consumer reports

Im sending to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove any accounts listed on an ID THEFT REPORT # XXXX. Please find the required documents to assist in the removing of the erroneous information which is being posted to my report. 

Here are the list of a which do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX XXXX {$130.00} XXXX XXXX XXXX {$44.00}
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX : {$1000.00} XXXXXXXX XXXX XXXX. XXXX Balance : - XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2100.00}, {$8500.00}, {$2300.00}, {$5000.00}, {$0.00}, {$3300.00}, {$1700.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

7. XXXX XXXX  XX/XX/XXXX/XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 


-- AUTO ACCOUNT 8. XXXX XXXX XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

Upon examining my credit report, I identified an unfamiliar account ( Collection Service of Athens XXXX ) I promptly contacted the creditor listed on my consumer report and sent a debt validation letter specific for this account. Regrettably, Collection Service of Athens has neglected to respond to my letter that was received on XX/XX/2024. Furthermore I sent a second attempt letter which was received on XX/XX/2024 and they still refuse to respond. They have failed to respond within the 30 days per the FCRA. Clearly this company lacks the substantial evidence required to link me to this debt. This constitutes a breach of my rights, and it is imperative that this account be promptly removed.
Product: Checking or savings account

We were sold a service by XXXX XXXX XXXX XXXX that turned out not to be what was sold to us ( You can get certified as a personal trainer only to find out later that their certification is not recognized anywhere on its own ). During our dispute with XXXX, we contacted the bank and told them not to allow the charge to go through. On XX/XX/XXXX, it did. We disputed it and they credited our account while they investigated. A couple of months later they took the money back. This lead to our account being overdrawn and charges taken out repeatedly. I had a client pay me to that account and I never saw the money because it simply went towards the overdraft amount We now are still {$250.00} overdrafted. The charge was for {$1000.00}. Our bank is Wells Fargo. 

We are still fighting XXXX about their scam but it would be nice to not have the account overdrawn. I believe the bank should have stopped it originally.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent two certified letters demanding the following accounts be verified and validated or removed immediately. I have received no response or removal of the items from TransUnion. I have sent these requests via certified mail and these requests were received by them. I have also waited in a timely matter for a response. I now demand that the following accounts be deleted and removed from my TransUnion credit report : XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX
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 - Account # XXXX. The incorrect reporting of this account have violated my rights. 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. The credit bureaus are reporting this account as a charge off with 51 late payments, which in INCORRECT. I have forwarded several certified letters to the bureaus with supporting documentation requesting a thorough investigation and they have failed to do so. This act is causing me unnecessary financial hardship.
Product: Debt collection

on the week of XXXX XXXX 2015. I received a " Debt settlement offer '' dated " XXXX XXXX, 2015 '' from LTD Financial services for a debt in the amount {$1500.00}. I did not recognize this debt as mine so I attempted to called LTD financial services to inquire about this alleged debt. I asked the phone representative to verify the social security number on the account. I gave him the last XXXX numbers of my social and he said that it did not match the number that they had on file for the debt. I asked him if they could then remove the fraudulently assigned debt from my credit report. the representative stated that I was a liar and that the debt was mine and that I was making social security numbers up to get out of paying the debt. I was called a " XXXX '' by this person and the representative implied that someone would visit my home to collect on the debt if I did not pay. after this phone call I sent a FDCPA verification letter to LTD requesting verification of the alleged debt which is currently fraudulently assigned to me ( LTD REF # : XXXX XXXX ) on the XXXX of XXXX, 2015 via certified USPS mail with return receipt. on the XXXX of XXXX I received the delivery receipt from USPS confirming that someone from LTD signed for, and received my verification letter. on XXXX XXXX In response to my request for verification under the FDCPA I received another settlement offer letter from LTD. on the XXXX of XXXX I mailed another letter to LTD reminding them of my verification request and urging them to fulfill their legal obligations under state and federal law. to date I have not received any form of verification of this alleged debt from LTD financial services. I believe that LTD has willfully fraudulently assigned this debt to me. this debt is affecting my ability to refinance my mortgage. the CFPBs mediation in this matter is requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inaccurate statements on my credit report including several accounts that do not belong to me. Am I a victim of identity theft or is this a mistake? 

XXXX XXXX - Opened XX/XX/XXXX - $ XXXX| XXXX XXXX - XX/XX/XXXX - $ XXXX XXXX XXXX - XX/XX/XXXX - $ XXXX| XXXX XXXX - XX/XX/XXXX - $ XXXX| XXXX XXXX - XX/XX/XXXX - $ XXXX| XXXX XXXX - XX/XX/XXXX - $ XXXX| XXXX XXXX - XX/XX/XXXX XXXX $ XXXX| XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX $ XXXX|
Product: Debt collection

I am writing to dispute the inaccurate and fraudulent information present on my credit report, which is a clear violation of the law governing credit reporting. There are several instances of misinformation in my report, stemming from inaccurate reporting, incomplete reporting, or the reporting of unverifiable information. I urge you to take immediate action to correct and remove these discrepancies from my credit report. It is imperative that you comply with the law by providing an accurate and truthful representation of my credit history. 
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: Credit reporting, credit repair services, or other personal consumer reports

Navient placed 3 late payments on my credit reports. My loans were in deferment during this time which I explained to Navient. They responded by saying that they were not in deferment, but could not furnish me any reason or proof as to why they were not in deferment during that time. I returned to school the month that they started reporting my payments as late. I wrote them a good will letter and also stated that this must have been a mis-understanding and that it should be corrected.