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

I recently disputed XXXX XXXXXXXX XXXX account due to inaccuracies to the balances and company addresses. The dispute came back verified in less than a week. However once I disputed XXXX on this website I was sent information that validated my dispute. The repossession from XXXX consist of so many errors but I will focus on the balance. The deficiency notice says that I owe them {$10000.00} the amount being reported states I owe {$10000.00}. Even after the going through all the paper work they sent me I actually owe alot less. But their document states {$10000.00} and the bureau is reporting {$10000.00}. They did not provide proof on how they verified the reporting amount. Attached is the paperwork sent from XXXX XXXX XXXX the owners of XXXX to this website from a previous dispute. The credit reporting agency have violated my consumer rights by not successfully investigating my dispute and continuing to report inaccurate information. Of they would have investigated properly they would have seen that the balances are different.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE STOLE MY IDENTITY AND USE IT ON SEVERAL TIMES TO OPEN UP AUTO LOANS BANK ACCOUNTS AND UTILTY ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the inquiry. 
XXXX XXXXXXXX XXXX XXXX
Product: Checking or savings account

I ordered an online cashier 's check from Capital One on XX/XX/XXXX for a deposit on a downpayment of a house. I was notified by the bank that they needed to verify the depositor on XX/XX/XXXX. I called and verified the depositor. I was told the check was good to go. The depositor took the check to the bank and deposited it. He was told there was a stop payment on the check. I called the bank XX/XX/XXXX and asked why there was a stop payments and where the funds were. The funds had not been deposited back into my account. I spent over two hours on the phone, was transferred 6 times, and still have no resolution. The funds have not been returned to my account and I have received no explanation of why there was a stop payment. I have not been offered for my fees to be covered either.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dept Of EdXXXX has been disputed and could not verify that the debt belongs to me therefore XXXX deleted the account. However, Transunion and XXXX are still reporting this account on my consumer report. I have attached a screen shot of my current consumer report via MyFICO showing the deletion of the account. I request that Transunion and XXXX update my consumer report as well immediately.
Product: Debt collection

15 U.S.C 1681 section 602 A. States I have the rights 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 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Debt collection

I was originally contacted on XXXX/XXXX/16 at my place of employment by a XXXX XXXX claiming to be with the PreLegal Dept.with Warner Asset Services and referenced a case number of XXXX. I explained that these calls are unacceptable and not allowed by my employer and that I would call him back on my cell phone. I returned his call at XXXX ext. XXXX however ; when you call this number it does not state the name of the company, location or hours of operation and automatically prompts you to dial a extension number, which I found very odd. I was told I owed an outstanding debt to a company called XXXX over the amount of {$1800.00}. I advised XXXX XXXX that I did not owe this debt and that if this was a legit debt I would have been notified by US Mail, which I have not. He also called my daughter on XXXX/XXXX/16, claiming that I used her name as reference on this so called loan. I requested verbally that he Cease and Desist on calling me at work, on my cell phone and any family members on this debt that is not owed. They are also calling me from XXXX to make it appear that is a local call in the hopes I will pick up. I let it go to my voice mail and it is either a XXXX XXXX or XXXX XXXX using various company names of Warner Location Services, Warner Asset Location Services, Asset Location Services or Warner Assets Recovery. I have found online a Warner Asset Location Services, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX at XXXX and also found online XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX at XXXX. Today XXXX/XXXX/16 they have called my daughter, XXXX my sons, and non-family members from a number of XXXX stating that it is very important that I get in contact with XXXX XXXX over an important matter along with referencing the above case number. I was also contacted at my place of employment after stating that I was not allowed to receive these kind of calls at work. XXXX XXXX was very rude and verbally abusive and stated that I needed to pay up on this debt and threatened to submit a Verification of Employment with my employer, along with taking legal action against me. I have gone to the website of XXXX and have read all the complaints from others who are experiencing the same harassment I am. Apparently they are using illegal debt collecting practices to scare and scam people out of money that is not owed. They have previously operated under the names of XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX. They are currently not accredited with the XXXX in either XXXX or XXXX. It is very disturbing and alarming that they have tracked down my family members and now harassing them as well and trying to extort money out of me. There is never a Mini Miranda used when leaving a voice mail message or when I have spoken with them on the phone. I have past experience as a Debt Collector and recognize that these approaches and practices are not within the guidelines of the Federal Trade Commission and Fair Debt Collection Practices Act.
Product: Credit reporting or other personal consumer reports

This account Does not belong on my credit report and or status should be updated. under my rights as a consumer under the FCRA. 

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

An outstanding balance of {$1100.00}, as reported by XXXX XXXX, has remained on my credit report since XXXX. I have previously disputed this information with Equifax and XXXX, at least twice and, they continue to report. I do not have an outstanding balance. I have done business with XXXX XXXX since that time and, my account was always current and in good standing. Even if there was an outstanding balance from XXXX, it would have been included in a Chapter XXXX bankruptcy discharged in XX/XX/XXXX. Moreover, the reporting has continued far in excess of the seven year timeline as determined by the Fair Credit Act and Federal Trade Commission. Finally, each time I have disputed, the credit reporting agency updates the actual date on file to reflect the same date in which I disputed ; thus, the appearance of the outstanding balance more recent than actual.
Product: Credit reporting or other personal consumer reports

Let me raise a concern about the discovery of unreliable information within my credit report, as a careful examination has revealed certain inaccuracies capable of negatively impacting the credit score. 

Understanding the importance of consumer rights, it is essential for this concern to be addressed transparently and justly. My wish is to resolve this matter without resorting to more extreme measures. 

Your prompt attention to this matter would be highly appreciated. Please look at this as a sincere appeal from a client asking you to address the situation. Errors in credit reporting are not a simple problem, as they can significantly hurt an individual 's financial future. 

Mistakes are inevitable, yet when they occur, they can be harmful. Trust is placed in credit reporting agencies as credible and precise information providers. The violation of this trust is a concern with extensive implications. 

Consequently, it is hoped that this issue can be quickly and satisfactorily resolved, both for the personal benefit and the preservation of a dependable credit reporting system for all customers. 

Your time and anticipated cooperation are greatly appreciated. Eagerly awaiting a swift resolution to this matter.
Product: Credit reporting or other personal consumer reports

Payments in 2024 the amounts of : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These payments are missing from my Experian report for XXXX XXXX. 
Experian keeps returning my disputes as completed but nothing has been corrected. 
XXXX and XXXX reports are accurately being reported.
Product: Credit reporting or other personal consumer reports

COMENITYCAPITAL/CENT Account type - Charge Account Date opened - XXXX XXXX, 2019 Above Account created under COMENITYCAPITAL/CENT without my consent. It does not belong to me and should be deleted and removed from all three credit bureaus under my credit file immediately please. 
According to15 U.S. Code 1692j a person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that information is inaccurate.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Also Known As : XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, SC XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, SC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act Accounts - # XXXX, - # XXXX has violated my rights. 15 U.S.C. 1681 section 602 A states I have the right to privacy. 15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

They sold my information to another debt collector. I was on a payment plan for a settlement balance I was comfortable with. I recently loss my client, and defaulted in my payments. I am experiencing hard-times and only and afford $ XXXX {$35.00} a month. But they denied me. 

I am writing in response to your recent communication regarding the collection of a debt allegedly owed by me. I am disputing the validity of this debt and request that you provide me with verification of the debt as required by the Fair Debt Collection Practices Act ( FDCPA ). 
I do not recall any outstanding obligation to your agency, and I dispute the amount claimed. Before I can take any further action, I need detailed information regarding the alleged debt, including but not limited to : The name and contact information of the original creditor. 
The original account number associated with the debt. 
The dates of the transactions or services rendered that purportedly resulted in the debt. 
Copies of any agreements or contracts related to the debt. 
A complete breakdown of the amount claimed, including any fees, interest, or charges accrued. 
Proof of your agency 's authorization to collect this debt. 
Please note that under the FDCPA, I have the right to request validation of the debt, and until this validation is provided, all collection efforts must cease. I also request that you refrain from reporting this alleged debt to any credit reporting agencies until this matter is resolved. 
Furthermore, I demand that all communications regarding this matter be conducted in writing. I do not wish to receive any further phone calls or other forms of communication regarding this debt. 
I expect a prompt response to this dispute letter within 30 days. Failure to provide the requested information or to cease collection efforts will result in further action on my part, including filing complaints with the appropriate regulatory agencies and seeking legal counsel. 
Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I have my identity theft report, Identification ( credit card ), and letter stating the invalid accounts that are illegally reporting to my consumer file. I never created the transaction for authorization to report any such accounts to my consumer file, and they are a result of identity theft. Ive also included the certified mailing numbers on this formal complaint.
Product: Checking or savings account

When I opened a checking account with Wells Fargo, an additional savings save as you go account was opened for me. Funds would be moved to this account at irregular intervals causing overdrafts and fees usually in amounts of $ XXXX {$35.00}. I opened these accounts in 2013.
Product: Credit reporting or other personal consumer reports

I can not get my credit monitoring service online due to something wrong within Equifax. XXXX XXXX XXXX XXXX  ) has tried to help me. Equifax never gives you a live person. I filed with the XXXX  filed as unresolved. THe other 2 credit reporting companies have been very easy to work with. NOT Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

ok! trans union reports are incorrect! it has negative items that should not be there!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted TransUnion LLC, XXXX and XXXX in reference to these fraudulent account ( s ) : XXXX XXXX XXXX in the amount : {$34000.00} open date : XX/XX/XXXX and XXXX XXXX XXXX in the amount : {$26000.00} open date : XX/XX/XXXX. I have been contact with all agencies and creditors listed. Was told to file a Identity Theft Report which I did and sent to the above listed agencies and creditors along with my request. Only to receive the same response over and over again.
Product: Payday loan, title loan, or personal loan

I have a XXXX credit line. There taking XXXX every 2 weeks. It's averaging around XXXX a month. The problem is instead of the debt reducing it continues to rise everytime I make a payment. At the rate they are charging in interest I'll never be able to pay it off. I was unaware that there charging me like it's a pawn loan or something. I think I've been scammed. I went into my account and tried to find the actual loan contract but it was nowhere to be found.
Product: Credit reporting or other personal consumer reports

CONTACTED CREDIT CORP SOLUTIONS THIS MORNING, REQUESTING THE ORIGINAL PURCHASE AGREEMENT FROM THE ORIGINAL CREDITOR ANDCREDIT CORP SOLUTIONS.. WAS TOLD BY A MANAGER THAT THIS INFORMATION IS IMPOSSIBLE TO GET AND THEY ALREADY VERFIED THE DEBT AND THAT NO COLLECTION AGENCY WOULD/COULD FURNISH THE INORMATION THE ORIGINAL PURCHASE AGREEMENT BETWEEN THE CREIDITR AND THE DEB BUYER.. I ADVISED THE 3RD PARTY DEBT BUYING AGENT - THAT VALIDATION OF DEBT ( INFORMATION ABOUT THE DEBT ) AND THE ORIGINAL PURCHASE AGREEMENT ARE TWO SEPARATE THINGS. THE REP BY THE NAME OF XXXX ALSO STATED THIS NEGATIVE REPORTING WILL STAY ON MY CONSUMER REPORT FOR UPTO 7 YEARS. THE INFORMATION BEING REPORTED IS INACCURATE AND ERRONEOUS. IM REIMGING MY CREDIT PROFILE AND THIS INFORMATION IS HARMFUL AND HURTFULTO MY CREDIT REPUTATION.
Product: Checking or savings account

In late XX/XX/XXXX  we had fraudulent tranascation posted against our Citizens Bank checking account. We highlighted these to the bank and filed a claim with them. The back selectively chose to refund some of the transactions but not all. 
total dollar amount of the fraud is ~ {$21000.00} USD, and the XXXX  the bank is refusing to refund total ~ $ XXXXWe filed two calims, contact the outside vendor who posted the transaciton and continue to pursue the calim with the bank. Bank claims we did not report the fraud fast enough, despite the XXXX  being only a few days before the other fruad XXXX  the bank did refund immediately. In addition, the bank never alerted us or contact us when the suspiciious activity showed in the account. Citizens bank is not a trustworthy or consumer focused bank. They do not care about their customer funds.
Product: Mortgage

I purchased a home in XXXX for and paid 21 % of the purchase price, which is above the required escrowed amount. At the time, I was told that it could be removed at anytime since I had over 20 % down payment. In XX/XX/XXXX, my mortgage was sold to MR. COOPER and since then I have requested three times to have the escrow removed. They refused to remove me from escrow. They also claim I need to have 5 years of payments in good standing, or at least 20 % down on my original mortgage, NOT the purchase price of my home. But no worries, for me to get our of escrow, they are going save the day by offering to refinance my mortgage with them. This of course would allow me to get out of escrow. Oh, how convenient for them, and also unethical. Thus, I reached out to a third party mortgage agent, who confirmed that this is UNTRUE and never heard of such a situation relative to my issue. Additionally, she also relayed that several mortgage companies confirmed with her that have cut relationships with MR COOPER due to unethical business practices. WHEN I refinance, it will not be with MR COOPER. DON'T DO BUSINESS WITH THESE UNETHICAL PEOPLE, THEY NEED TO BE INVESTIGATED!
Product: Credit reporting or other personal consumer reports

Upon checking my credit report I noticed XXXX inquiries that I didnt authorize. I am victim of identity theft. 

XXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX  ( Finance ) XX/XX/year> These inquiries were not authorized by me.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete all accounts listed below, as I am a victim of a recent data breach. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which protect consumers in cases of identity theft and unauthorized use of their personal information. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Account Name : NelNet Account number : XXXX I am sending this letter in response to a letter you sent me on XX/XX/2023. I want to inform you that this is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ). I am NOT requesting a verification, but I am requesting for validation. I request that your office provide me with evidence that I am obligated to pay you.

Please provide me with the following information : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual furnishers of information.

3. Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe.

4. Show me the proof that you are licensed to collect in my state ; provide your license number 5. Provide me with proof that the statute of limitations have not expired.

6. The method of communication you used to verify the information.

7. Requesting that full account numbers are revealed for the partial account number being reported.

8. A valid, legible copy of the agreement stating the debt and interest charges. If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must be deleted and removed immediately from my credit report. Also, all future attempts to collect this debt must stop. 


Thank you, XXXX XXXX
Product: Checking or savings account

Ive never once made any suspicious activity with this bank and therefore they closed my account for no reason. My mom and dad would send me money from time to time always less than XXXX $ and Id put it on my Dave card for regular spending habits like gas or groceries. They closed my account without warning and refused to give a reason. I had funds in that account and I needed it for gas to get to work. They offered no opportunity for me to remove my funds prior to them randomly closing it either. After doing research I found that they were apart of a massive data breach while I was a member so my information got out there and they never even told me, and people whove never even heard of them have been charged for hundreds of dollars they didnt authorize. This place is obviously a scam and I wish I knew sooner. They need to be shut down immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I received a denial from XXXX XXXX Credit based on disapproval from EQUIFAX, reference # XXXX. I requested information substantiating said denial with my letter to EQUIFAX on XX/XX/2018 after two unsuccessfull online requests. Received last letter from EQUIFAX on XX/XX/2018 requesting documentary submission of a whole slew of personal information for their verification before I could have my credit report. Obviously EQUIFAX already has all my information in order for them to deny my credit application in the first place. So why the need for this unnecessary back and forth for more paper, when all that has to be done is provide me my credit score, its basis, and reasons on which they determined my XXXX XXXX credit denial? Isn't this the simple solution?