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

I recently disputed an error in my credit report under the public records section and have since contacted ALL 3 MAJOR credit bureaus and in return have gotten the disputed items not properly corrected on my report. Not only is it affecting my report but my life as well which deems me financially irresponsible so the automated letters I receive tell me. It even does n't show in the comments section under the items marked as Disputed By Consumer which under the FCRA is a strict violation in correspondence to my rights as a consumer. I 've written numerous CERTIFIED letters to the Bureaus AS WELL as the creditor themselves. In return the creditor only responded to my letter with a letter of verification stating they do n't even report to the credit bureaus. I have that burden of proof to support my claim as well. These public records do n't contain any large sum amount or an amount at all to my knowledge it is just a negative and bad reflecting mark on me as a consumer and person which is definitely Defamation of Character, which I am certainly not. I Placed a Security Freeze on my file and Opted out of Services Provided by XXXX XXXX. I have also proceeded with filing a small claims suit against these Bureaus for the Defamation of Character as well as my rights protected under the FCRA AND Injury to myself & my credit report seeking no less than {$1000.00} per violation under the FCRA Sections 604 ( A ) ( 3 ), 623, 611 also US Court of Appeals, XXXX XXXX, XXXX XXXX ( XXXX XXXX XXXX XXXX ) To avoid these proceedings and drop the lawsuit I figured give one more dispute a try I 'm just looking to have this matter cleared up. 

Best Regards
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. The disputed account is listed under IC Systems Collections, Account # [ Your Account Number ], with the original creditor XXXX XXXX XXXX XXXX 

Disputed Inaccuracies : Incorrect High Balance The high balance is reported as {$370.00}, but the account balance is {$420.00}. This discrepancy raises concerns regarding the accuracy of this reporting. Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain maximum accuracy, and I request verification or correction of this information.

Incorrect Account Open Date The account shows an open date of XX/XX/XXXX, which appears to be incorrect or future-dated. I request validation and correction under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Incorrect Past Due Amount The past due amount is listed as {$420.00}, which does not align with my records. Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), furnishers of information must provide accurate reporting, and I request an investigation into how this amount was calculated. 
Debt Validation Request This account is reported as being in collections, but I have not received proper documentation proving the validity of this debt. Under 15 U.S.C. 1692g, I request full validation, including : Proof that I owe this debt A breakdown of the charges Any signed agreements or contracts that demonstrate my obligation to pay Potential Reporting Violation The estimated removal date for this item is listed as XXXX/XXXX, but inaccurate reporting can extend the negative impact of an account beyond what is legally allowed. Per 15 U.S.C. 1681c ( a ) ( 4 ), collections must not be reported longer than 7 years from the date of first delinquency. If this reporting is incorrect, it must be corrected immediately. 
Request for Action Pursuant to 15 U.S.C. 1681i ( a ) ( 5 ), I request that the disputed information be corrected or deleted if it can not be verified. Please provide a written response with the results of your investigation within 30 days, as required by law. 

If this information can not be verified, I demand its immediate removal from my credit report under 15 U.S.C. 1681c ( a ) ( 4 ).

Enclosures : Copy of my credit report with the disputed items highlighted Any supporting documents proving inaccuracies I appreciate your prompt attention to this matter. Please respond in writing confirming the resolution of this dispute. If I do not receive a satisfactory response, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

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

One of my reports shows 2 late payments. The cc company had no problem since I was in the hospital for 4 months. 2 months show up on the report as delinwuent. This has affected my score. They have now even looked into it yet after approx. 3-4 months. I have followed up and still no results. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

On or about XXXX of XXXX I became aware, by them calling me and my family members, that Convergent was saying that I owed them " {$1500.00} '' and I had 10 days to pay or they would forever ruin my credit. As of this date I had never received anything from them in writing and my credit was, is, PERFECT with credit scores averaging in the high 700 's ( which is extremely good ) I immediately sent them a certified letter disputing the debt which they signed for in XXXX of XXXX which was my right and I asked for proof of the debt and for them to stop harassing me and my family members. I was, and am, battling XXXX at the time and the last thing I needed where these tactics when I didn't owe them, or XXXX ( who they said they bought the debt from ), anything. 
In spite of my requests they never responded. 
Over the next 2 years I repeated these request for seven times and they never responded and they put it on my credit file which was wrong in many ways. 
In late XXXX I contacted my US Senator 's Office and they reviewed my paperwork and said " this is wrong ''. 
In XXXX of XXXX I sent them yet another certified letter, the same as previously, and this time they responded by sending me 2 pages. One was an amount, not a bill - not in compliance with the Fair Debt Collection Practices Act. for {$150.00} and the other was a duplicate bill of the {$150.00} but now they crossed it out and put in {$250.00}. 
In XXXX of XXXX I received a letter from my US Senators Office directing me to ( a ) sign the papers enclosed so that they would advocate on my behalf for privacy matters and ( b ) file a formal complaint with you all. 
From XXXX of XXXX through the writing of this complaint, is XX/XX/XXXX, I have had to dedicate my time to my health. 
It is WRONG what they have done to me and a simple " internet search '' shows thousands of others have gone through what I have. 
They never proved the debt. They never proved I owe {$1500.00}. The only thing they sent was a bill for {$150.00}. This is a matter of principle and I do not want to leave this earth with this hanging over my head. 
PLEASE HELP ME and have them remove this from my credit files and issue an apology to me and be kept from ever harassing me again. 
Thank you XXXX XXXX
Product: Debt collection

- XXXX XXXX XXXX  XXXX XXXX XXXX closed the account XXXX Portfolio Recovery Associates reported the debt as a new collection- I never entered into a signed agreement with Portfolio Recovery Associates to pay the debt - Portfolio Recovery Associates filed a lawsuit in XXXX County Magistrate Court
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America is reporting a delinquent credit card account to all three bureaus. I have never had an account with Bank of America. I spoke to their fraud department multiple times. I was instructed to dispute the errors with all three credit bureaus and I followed the instructions and reported the error inXX/XX/XXXX. The investigations were completed and Bank of America verified that the account and report were both accurate. I called the Bank of America fraud department again and they could not locate any accounts using my name, address or phone number. Bank of America initiated another investigation onXX/XX/XXXXand once again determined that the account is accurate. However when I call and speak to a representative they are unable to find any account that matches my personal information.
Product: Mortgage

I currently have Rushmore, ore Loan Servicing as the lender for my mortgage. I have receive several conflicting reports about my mortgage payments. I am currently up to date on my monthly payment s.. Payments have been sent and returned to me and additional late fee applied. This has occurred on more than XXXX occasion. Request for a loan modification application have not been sent. I have most recently received a letter with an intent to foreclose. I like to have my account current and maintain monthly payment as to such time I have paid the loan off.
Product: Checking or savings account

Hello, Im contacting you regarding chime bank. ( online only bank ) I have an account there. 
I have not had a deposit in over two years but I have never made a withdraw, transfer, payment or otherwise. I have also never close the account. 
Periodically I get on the app and check it. I tried to get online recently and it said I do not have an account. 
I tried repeatedly and received the same message, so I sent an email to chime support. 
The following day I received a email stating someone would respond to me in XXXX hours., I sent another more detailed email stating that I have not touched the account. 
I received another email stating I should hear back from them in about XXXX days or so. 
I attempted to make a local police report, but was told that there is nothing local enforcement can do.The bank will handle it with their internal system. 
Being in somewhat of a panic about the situation I started scrubbing through all of my emails to see if they had written me regarding anything pertaining to my account. I did not find anything from them but inadvertently found XXXX letters XXXXXXXXsent in 2020 about a lawsuit regarding Chime. 
XXXX versus chime The paper stated that I was one of the people Who could claim benefit due to issues with Chime. This is the first time that Ive ever seen this mail. The other was 1 year later from the same sender stating that because I neglected to contact, I was no longer eligible for any proceeds incurred during the suit. 
I do realize these are XXXX separate matters, but I am hoping for advice and direction regarding both. 
Thank you so much for your help and your time.
Product: Student loan

My son was accepted into the XXXX XXXX of XXXX XXXX XX/XX/2009. While having visited the school, we were asked to fill out paper work and loan information. Unknowingly, I co-signed for a private loan for my son. We have since found out this is a predatory on be half of the school and should not have been. My son is now {$22000.00} in debt with the private loan alone and another {$22000.00} in debt through XXXX XXXX ( XXXX ). 
I would like this complaint to be two fold. 1 ) We would like to file the complaint about XXXX XXXX in their acquiring loans that that were deceptive and predatory2 ) And about the XXXX XXXX in it self. My son ended up having a health issue that he was asked to leave class because of the health issue that the school never compensated him for loss class time. What action can we take on his behalf? Thank you.
Product: Debt collection

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions XXXX XXXX XXXX. Please delete the items as soon as possible.
Product: Mortgage

My mortgage was with Wells Fargo Home Mortgage. During the pandemic they offered me XXXX, 3 month Payment Deferrals I have the XXXX letters from Wells Fargo Home Mortgage detailing the deferring of XXXX payments ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and then a confirmation letter of XX/XX/XXXX, confirming that then interest and principal payment defer of the XXXX payments was moved to the end of the loan. Wells Fargo Mortgage only deferred XXXX of the payments, and when I would call because my monthly statement showed that I was behind in my payments I was told that " they could see that the deferment was still in process and it takes time. 
For the first XXXX months of XXXX, I was attempted to straighten the issue out with Wells Fargo Mortgage, with no straight answer, having me fill out loan preservation applications, unanswered emails and phone calls not being answered. 
Wells Fargo Home Mortgage sold my loan and the servicing of my loan to XXXX XXXX and XXXX XXXX XXXX XXXX in XXXX of XXXX. 
Since then Wells Fargo and XXXX XXXX have given me XXXX different answers on why the deferment didn't happen. Their answers in " quotes '' XXXX " The deferment process did happen '' with a paragraph that is just listing off the account entries, showing XXXX but not XXXX payment deferrals. 
XXXX CFPB policy changes and investor policy guidelines won't allow all the payment deferrals because In was behind in my payments XXXX I didn't get my " Payment Assistance application didnt qualify because I didnt submit by XX/XX/XXXX my XXXX most recent payment stubs. Even though the date of the letter that I needed to submit the paystubs was on XX/XX/XXXX gave me until XX/XX/XXXX, and XXXX sold my mortgage on XX/XX/XXXX. 
XXXX That the second XXXX month payment deferral was actually a " payment suspension '' and had XXXX had no obligation to defer payments. 
As a result, XXXX servicing is threatening foreclosing on my mortgage, they won't let me make a payment because I am more than XXXX days behind. 
I can make up {$10000.00} worth of payments. XXXX made a promise of relief during the pandemic, I took them up on that promise and planned my family finances accordingly, it is wrong for them to not fulfill that promise.
Product: Mortgage

We've attempted innumerable times to work with Nationstar Mortgage to find resolution to their accounting errors in facilitating our mortgage payout. We have faced collection calls, certified letters, countless hours on hold, having to repeatedly explain the errors and accounting issues to a magnitude of different representatives, and scheduled meetings have been ignored by company employees. 

The response letter from company 's response letter dated XX/XX/XXXX ( see our XX/XX/XXXX complaint and related attachments ) references erroneous dates and dollar amounts. It appears the company lacks the competency and skill to effectively address it's own accounting errors leaving us to suffer the hardships and mental aguish of trying to resolve this issue since XX/XX/XXXX - 9 MONTHS! 

As an example- we had a scheduled meeting with a representative # XXXX- XXXX who failed to call us at the time and date she scheduled and we have not heard from anyone since. 

We've attempted numerous times to resolve this issue with the company since XX/XX/XXXX- and the company fails time and time again to address the issue and put us in contact with any competent or capable representative who can solve this. 

Either the company honors the mortgage satisfaction letter dated XX/XX/XXXX - or the need to contact us by phone within 7 days of this complaint. If they fail to respond to us within 7 days of filing this complaint- we understand Nationstar Mortgage will honor the letter of satisfaction issued on XX/XX/XXXX for loan # XXXX and will update their records to reflect a XXXX mortgage balance due, once again close out the account and stop any and all efforts to collect on a mortgage they've failed time and time again to facilitate legally. 

The phone number they are to call is XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX I have a XXXX name and someone ruined my sealed identity by hacking into my transunion and XXXX me about a XXXX name I never used and brainwashing everyone to think i have a XXXX XXXX that i dont i have to sue for damages and someone is threatening to steal my money and my property and force me to live with a family I disowned 17 years ago I'm never going to live with a family and im suing for hundreds of thousands of dollars in damages because my birth name in XXXX is not XXXX its XXXX XXXX XXXX and I'm supposed to have a sealed identity and now I'm a victim of fraud because my mom XXXX XXXX XXXX XXXX XXXX and no one will accept I dont have conditions as an adult and violates my civil rights stealing away my sealed identity and hacking into my credit report about conditions and a family I dont have I'm a victim of identity theft by strangers who hadass me with XXXX and dont understand I dont have any condition and I have a valid driver license strangers damage my car on purpose because they wont accept I dont want a relationship with a family and wont use a family name I never took XXXX and I'm never going to someone impersonated and lawyer and defrauded me by hacking into my phone and transunion I have a criminal record under my name XXXX XXXX XXXX my name cant legally be changed
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting student loan accounts as unfavorable/negative that have closed as of XXXX. The bill was reported late while in grad school. I attempted to explain this to the credit agency, but they refused to fix it. The other problem is the accounts are being reported twice paid as agreed, and potentially negative. I have asked Equifax to unlock my report as of XX/XX/XXXX, but they refused. XXXX resolved the dispute in 5 days with no change to record because the company is no longer in business and is telling them we were behind on payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE ATTEMPTED ON SEVERAL OCCASIONS TO REMOVE THE FOLLOWING NEGATIVE ITEMS WHICH HAVE BEEN DIMINISHING THE OVERALL HEALTH OF MY CREDIT. THERE HAS BEEN NO ACTION TAKEN IN RESPONSE TO ALL THE PREVIOUS DISPUTES I HAVE SUBMITTED, SINCE XX/XX/2020 .... IN ORDER TO REMOVE THE LATE PAYMENTS FROM XXXX XXXX. THERE'S AN ACCOUNT BEING REPORTED WITH TRANSUNION, AND NOT XXXX NOR XXXX. WHY IS THIS NOT BEING RESOLVED? TOO MANY ATTEMPTS WITH THE BUREAUS, AND ONCE AGAIN ... NOTHING HAS BEEN DONE AT ALL. FOR YEARS, I HAVE BEEN POINTING OUT THE INACCURACIES, THE INCONSISTENT, INCOMPLETE DATA REPORTED BY THE BUREAUS. PER THE FCRA, AS A CONSUMER I HAVE EVERY RIGHT TO CHALLENGE THE FALSE INFORMATION THAT IS REFLECTING. THERE IS NO DEBT, NO DELAY IN MY PAYMENTS, AND I HAVE BEEN VERY PERSISTENT IN GETTING THE NEGATIVE INFORMATION RULED OUT COMPLETELY. PLEASE DO NOT HESITATE TO ASSIST ME WITH THIS MATTER, I NEED TO RECTIFY THIS INFORMATION IMMEDIATELY AND BANISH THE NEGATIVE HISTORY ON THE ACCOUNT. I HAVE EXCEEDED THE VOLUME OF STRESS AND DISCOMFORT REGARDING THIS ISSUE. PLEASE REMOVE THE DEROGATORY INFORMATION AS SOON AS POSSIBLE. I GREATLY APPRECIATE IT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$1800.00} ; XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$280.00} ; XXXX XXXXXXXX Balance : {$7800.00} ; XXXX XXXX Balance : {$680.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2900.00} ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX SC XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting

Southwest Credit Systems inserted a prior deleted XXXX bill, erroneous info ... date of original fraudulent account was in XX/XX/XXXX, they reported it as a new date ... disputed it with XXXX, and still there as of XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I responded to a post in a local knitting XXXX  group advertising the sale of concert tickets. I evaluated the person 's XXXX, saw that they were a real person, with a posting history and real photos, and sent them a message. We discussed price and agreed upon {$150.00} each for 3 tickets. They sent me their XXXX  info, which was attached to a business LLC email and is a business account. I sent them {$450.00}. They then claimed to need my XXXX login email and password to transfer the tickets, at which point I realized scammers must be impersonating this girl, who must've fallen for the same scam and given her login info. I am unsure if they are using her XXXX and bank account, because the email address was attached to a sewing business, which seems plausible given the knitting. I did not give over my XXXX  information and I promptly informed Schwab of the scam. They told me they would evaluate the case but that it was strong due to the XXXX business account. They told me they would ask for additional evidence. They then closed the complaint without asking for evidence. I called and asked them to re-open the case with my evidence ( screenshots of the interaction ) and they said they would, so I sent the information. They replied that the case had already been closed, and did not further evaluate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint comes forth as I have reached out to Transunion as a victim of Identity Theft, yet to no avail. I am extremely disappointed in their failure to process this dispute as I am victim already of fraudulent acts and currently feel as if I am shouting in the dark.
Product: Debt collection

Portfolio Recovery Associates is a debt collector. They are calling me and family members stating they are a compliance officer with XXXX County and state they have legal action against me. 

This is the information they leave with family : ( XXXX ) XXXX XXXX # XXXX
Product: Debt collection

Looking at my credit report I saw a collections account from Kansas Counselors Inc opened on XX/XX/XXXX ( original creditor : XXXX XXXX XXXX ) with a balance of {$1300.00}. 

At this time I was in school and only home temporarily for summer. My mom was with me and supplied her insurance information along with filling out much of the paperwork for me as I was still under her plan. 



Neither a bill from the hospital nor a letter from Kansas Counselors ever made it to me. Without any information about the account that is attempting to be collected, I sent a debt validation letter by certified mail on XX/XX/XXXX. On XX/XX/XXXX XXXX the letter was delivered. It is now XX/XX/XXXX over two months later and I have not heard a reply to this request for validation and it is still being reported to the credit bureaus. 

USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have carefully reviewed my credit report in the 3 credit bureaus. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. BK OF AMER XXXX