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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the negative items on my credit report. After reviewing my credit report, I found several items that are not accurate and require immediate attention. 

Firstly, I have no recollection of authorizing the following credit pulls, and I demand their removal : XXXX XXXX XXXX : Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX : Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX : Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  : Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  : Date of inquiry : XX/XX/XXXX Secondly, I would like to bring to your attention that some of the inquiries have reached the statute of limitations and should be removed. These inquiries include : XXXX XXXX XXXX : Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX : Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX : Date of inquiry : XX/XX/XXXX XXXX XXXX : Date of inquiry : XX/XX/XXXX Furthermore, I dispute the following items that are not accurate : XXXX : Account Number : XXXX - I don't remember ever being late with any of my payments. Please remove this harmful incorrect data immediately from my credit file. 
XXXX : Account Number : XXXX - I don't remember ever being late with any of my payments. Please remove this harmful incorrect data immediately from my credit file. 
XXXX : Account Number : XXXX - I don't remember ever being late with any of my payments. Please remove this harmful incorrect data immediately from my credit file. 
XXXX XXXX Account Number : XXXX - I have no recollection of even belonging to this account. Please remove this frivolous account immediately from my credit report. 
XXXX : Account Number : XXXX - I have no recollection of even belonging to this account. Please remove this frivolous account immediately from my credit report. 
XXXX XXXX : Account Number : XXXX - I have no recollection of even belonging to this account. Please remove this frivolous account immediately from my credit report. 
XXXX : Account Number : XXXX - I have no recollection of even belonging to this account. Please remove this frivolous account immediately from my credit report. 
XXXX XXXX XXXXXXXX : Account Number : XXXX - I have no recollection of even belonging to this account. Please remove this frivolous account immediately from my credit report. 
XXXX XXXX : Account Number : XXXX - I have no recollection of even belonging to this account. Please remove this frivolous account immediately from my credit report. 
I respectfully request that you investigate these inaccuracies and make the necessary corrections to my credit report. Please notify me in writing of the actions taken. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed several inaccuracies that are negatively affecting my ability to obtain credit. I am requesting your assistance in researching these items to ensure their accuracy. Additionally, I have identified accounts that I do not recognize and have never had. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy. 

Please find below the items I ask you to verify : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
It is my understanding that under the Fair Credit Reporting Act ( FCRA ), you are required to investigate my dispute and correct or delete any information that is found to be inaccurate, incomplete, or unverifiable. 

I request that you : Investigate these accounts for accuracy and provide me with the results of your investigation. 
Provide copies of any documentation associated with these accounts that bears my signature, authorizing these accounts. 
In the absence of such documentation, immediately delete these accounts from my credit report. 
Please note that you have 30 days to complete this investigation, as per the FCRA section 611. I expect a response confirming the actions taken and the results of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian, and XXXX are not reflecting my credit report with the exact same data. Some accounts are reported and some are not across the 3 Credit bureaus. 
XXXX, Experian, and XXXX are not Metro2 Compliant.
Product: Debt collection

This collection has been on my credit report I do not know what it is for and have asked not less than 12 times for validation of debt and to have it removed from my credit report. To date I have never received a debt validation from this company nor has it been removed from my credit report. They constantly update this collection every month harming my credit for a debt I have no idea what it is for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in disupte letters to dispute inaccurate information regarding my credit report. These accounts XXXX XXXX XXXX XXXX and orignal creditor plus more accounts were showing multiple inaccursies across the board for each account from date opened, acct number, account status and remarks. Since FCRA law states I can dispute any information I feel is inaccurate i sent to all bureaus my reasoning for my removal request. I also sent in letter the FCRA law explaining their responsibility of maxium possible accuracy reporting and how they failed to follow the law, I have not heard or seen any type of repsonse to the letters I've submitted over 30 days ago. So i sent out another and made them alert that I was notifying you all.
Product: Debt collection

On XX/XX/22, I sent a certified letter to XXXX XXXX disputing the debts listed on my credit report in the following amounts : {$810.00}, {$440.00}, {$1000.00}. XXXX, {$420.00}, {$840.00}. I reached out to the company requesting that they validate the debts by sending me a copy of the original contract bearing my signature as evident that I have made an agreement/contract with the above company to pay a debt. I requested that they respond within 30 days as y request to this date and therefore, I am asking that these collects be removed from my credit reports as a result. 

The company has failed to responded to my request.
Product: Debt collection

There is a collection amount on XXXX XXXX in the amount of {$1400.00} I believe this is identity theft. They sent me a letter as well in my name and adress. When I contacted them by phone the account was in my name but not my social security number. So im not sure if this is going to be remvoved from my credit or if it is going to affect it in anyway. I also have had a freeze on my credit and also have lifelock on my credit because there have been mutiple attempts of identity theft on my credit.
Product: Debt collection

My husband and I were denied a mortgage because of credit history problems. This was a shock to us. We found out that a debt collection agency kept abusing my credit history each month without my knowledge. It turned out that when we moved XXXX miles away- there was a medical Bill that was unpaid. I have always been on top of my things ( paying bills, changing addresses etc ). USPS had a forwarding address on file. Somehow the debt collection agency claims that they received returned mail. 

My understanding is that they did not bother to do anything at all to try and contact me. They have no proof that they could provide. In todays world it is not hard to track someone down who live openly online. Why did I not get bills forwarded from the doctors office, or from the collection agency or even phone calls or anything at all for 6 months? 

I had to contact the collection firm to pay the bill! I feel cheated and I know that nobody can help me.
Product: Debt collection

Automotive Management Amount owed {$350.00} Installment My Identity information has previously been compromised and used to open several accounts without my permission. This is just one of them. 

This is a Fraudulent Account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the accuracy of an account balance with BESTBUY/CITIBANK. 

I CONTACTED BOTH COMPANIES VIA CERTIFIED MAIL and was told they could not find my account after I included my Social security, date of birth and address. 

When I sent my dispute they did not update my account status as disputed. This was Pre-Covid. So theres no excuse for violating my rights under the FDCPA. 

They received a dispute from the Credit reporting agencies. I pointed out to them that the following fields of the account do not match on XXXX, XXXX  and XXXX  reports.

Date Opened, Date Closed, Date of Last Activity, Date of Last payment, Account Status, and Comments.

Furthermore the creditor reports " 29 '' CHARGE-OFFS on XXXX XXXX XXXX. Every month since XXXX they report a charge-off which is FALSE and unfairly reporting an account status. 

This creditors is aware of the Automatic underwriting process which is critical and necessary that is both accurate, consistent and objective in order for me to apply for credit, car loans, a mortgage and a fair interest rate. 

I gave them multiple chances to correct the information and now this creditor must cease all reporting of this account immediately.
Product: Checking or savings account

My Godfather before he passed away told me that I would be beneficiary of a banking product outside his XXXX. 
He died of a XXXX XXXX and he couldn't give me any documents where I appear as a beneficiary. 
I contacted with his Financial Advisor and he told me that the bank could'nt give me any information because I am not a signer or owner of an account. 
But I told him that I am beneficiary of a banking product outside the XXXX and the XXXX XXXX requested me for the XXXX document. 
My attorney reclaimed in many times to the bank and finally the bank sent a letter where says that there are still XXXX accounts in my Godfather 's name ( after the XXXX ). 
My attorney called to the central of this bank and someone confirmed to her that my Godfather is in the bank with the same S.S.N. but with two different names.
Product: Credit reporting, credit repair services, or other personal consumer reports

We were directly hit by Hurricane Irma in XXXX of 2017. At this time I lost my job due to the hurricane and took advantage of a program that my mortgage company sent me via email to pause my monthly payments for up to 6 months - at no cost and was told several times this would not affect my credit. 

I submitted all paperwork more than once and the entire process was beyond stressful and awful. 
I am in the process of refinancing my home and have been told that Amerihome Mortgage Company reported that I missed a mortgage payment - I did not at any point miss any payments.

This has impacted my credit score and I am unable to get any kind of loan!
Product: Mortgage

I changed homeowners insurance in XX/XX/XXXX/XX/XX/XXXX. The old insurance company, XXXX had already paid the annual premium and when I notified them I changed to XXXX homeowners they sent me a refund, I contacted PNC Mortgage XXXX and they instructed me to co-sign the back of the check and sent it to them. I did as instructed and sent them the check. In XXXX XXXX I get a letter from PNC mortgage company and they were instructing me to contact XXXX and have them refund the annual premium they paid and to return it to PNC. I have already done this and tried to explain it to a representative from PNC and they told me they had no way to trace the transaction and I would be charged the Approximately {$3200.00} dollars to my Escrow account. This make the XX/XX/XXXX appear to have very poor control and process in place to properly handle homeowners mortgages. I request intervention on the part of CFPB to resolve this challenge.
Product: Vehicle loan or lease

First and foremost it's important to know my history with BMW. XXXX leased my first car thru them. XXXX lesed my second car, then purchased that car at the end thru them. XXXX leased another car thru BMW finance again. Picture perfect, good experience until now. 

On XX/XX/XXXX I sold my car to XXXX BMW in North Carolina. What a negative experience which all stems from BMW finance. This past XXXX BMW finance changed its rules to 3rd party buyouts preventing me from selling the car to XXXX, a cousin, or any other dealer. This sudden unannounced change made restricts the sale to only BMW dealers making the market controlled by them. This new rule allows a low offer and a high resale for maximum profit. I could of easily got {$1200.00} more from XXXX or a dealer trade elsewhere. Then to top it off the {$350.00} dispostin fee that BMW takes from the consumer. 

Every single lease, the salesman wills say you can sell the car before your lease is up and avoid all the fees. With BMW fiance changing the terms this can not happen. It's a wrong way of doing business and it's full of greed. Bmw XXXX took advantage of me, BMW finance took advantage of me. While in the market for a vehicle, I know I will forever steer clear of BMW finance and every BMW dealer. Bmw made changes that do effect the consumer. They monopolized the lease turn in for greed! Then the unknown disposition fee that every salesman pre covod would say how to avoid it.

This entire final BMW transaction makes me disgusted. Taking away 3rd party buy outs only profits BMW. They never made it known about that rule taking effect. XXXX told me!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  Last reported XX/XX/2023 {$830.00} Reported balance This account is fraudulent an was removed from my credit report due to identity theft an the company added it back it's fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, Please see attached complaint, Drivers License, and social security card - we need to remove the below statement from my credit report : FRAUDULENT APPLICATIONS XXXX BE SUBMITTED IN MY NAME OR MY IDENTITY XXXX HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR XXXX YEARS BEGINNING XXXX.
Product: Debt collection

I am submitting this complaint for myself. 
I have attempted to resolve this with the company NCB Management to no avail. I have never done business with this company, nor the company the alleged debt is from. 

On XX/XX/XXXX, I received a letter from NCB Management Services indicating my personal information had been breached by an unauthorized party. 

Not only should NCB  not have my information, but they have also been negligent in protecting my private info. I demand this company cease and desist all communications regarding my information and also cease reporting this unverified information to credit bureaus.
Product: Student loan

I contacted MOHELA on XX/XX/XXXX asking to have the payments I've made since XX/XX/XXXX refunded. I didn't receive a response. I called a few days later to follow up and was told that they will put in a request to reopen the loans and refund me all of the payments I've made since XX/XX/XXXX. They didn't give me a confirmation email but did mention it can take up to 30 days to process. I followed up again on XX/XX/XXXX by phone and spoke with XXXX, who let me know that my request was put through on XX/XX/XXXX. I still have not received the refund and there are no changes to my online MOHELA account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a young lady and did not know anything about credit and every time I apply for a place to live I am denied. I'm currently XXXX and have been for years because of identity theft. It says I have rental properties from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX For a car loan. I absolutely didn't authorize or knew anything about any of this until early XX/XX/2021. My name is even spelled wrong and I have never lived at those properties.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a medical debt in the amount of {$1000.00} under the medical practice of XXXX XXXX XXXX being reported by the collection agency XXXX XXXX XXXX XXXX as of XX/XX/XXXX, XXXXAccording to the National Consumer Assistance Plan implemented and initiated by XXXX, TransUnion and XXXX  in XX/XX/XXXX, medical debts won't be reported until after a 180 day waiting period to allow insurance payments to be applied. The credit reporting agencies will also remove from credit reports previously listed medical collections that have been or are being paid by insurance. I have tried to dispute with the credit reporting agencies and they are violating the FCRA AND DISREGARDING THIS RULE OF LAW.
Product: Mortgage

Freedom mortgage assumed my home loan from XXXX XXXX. They paid my hazard insurance but failed to send a payment for my flood insurance. I have tried for the past 3 weeks to have them send the premium but still nothing. The money is in the escrow account and all they have to do is send it.
Product: Debt collection

This company has called claiming to be attorneys and process servers. It started after I moved and got a letter in the mail from Palmer Recovery Attorneys about a year ago. Not sure if its related but probably is. Not sure how they got my cell number since its pretty new. Today XX/XX/XXXX they called my sisters cell phone number looking for me and left a message saying they have made several attempts for delivery/fax order delivery and will make one final attempt and will go to my employer or home and that I need to call them for the delivery. Called from XXXX, call back # XXXX. Some calls they say XXXX XXXX XXXX XXXX, some they say XXXX XXXX XXXXXXXX, some they dont say the name of the company but that they have made several attempts to serve me and will make one final attempt. On some of the messages they give the last 4 of my social security number on the message and my address. On some of the messages they say they will attempt to deliver to my employer and my supervisor would need to be present and have my ID ready and on others they have said to have my pets locked up and weapons put away for the serving and to call a number to reschedule the delivery. They call from multiple numbers with the same message all the time for the last year. Some of the numbers show unavailable, some show local area code, different fake numbers every time. The call back numbers are different every time too so the company must change it so they cant be caught harassing or trying to extort . The numbers called from : XXXX XX/XX/XXXX gave callback # of XXXX, XXXX on XX/XX/XXXX call back # left was XXXX, XXXX on XX/XX/XXXX, unknown number on XX/XX/XXXX, XXXX on XX/XX/XXXX call back # given XXXX, unknown number on XX/XX/XXXX call back # XXXX, XXXX on XX/XX/XXXX call back # XXXX. Theres been more numbers too. Call sometime back to back like 4x. Total harassment. Got another letter from Palmer Recovery the other day about a year from the last one and the calls are back in force again. The letter is about an issue with my minor son from XXXX demanding me pay them. Like I said not sure if they are the same company as the process server but most likely it is.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account # : XXXX Account Type : Revolving Account Type - Detail : Charge account Bureau Code : Individual Account Status : Closed Monthly Payment : {$200.00} Date Opened : XX/XX/XXXX Balance : {$5100.00} No. of Months ( terms ) : 0 High Credit : {$5500.00} Credit Limit : {$5500.00} Past Due : {$960.00} Payment Status : Late 120 Days Last Reported : XX/XX/XXXX Comments : Canceled by credit grantor Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Late Payment Status : Was 30 days late 1 time ( s ). Was 60 days late 2 time ( s ). Was 90 days late 1 time ( s ). Was 120 days late 2 time ( s ).
Product: Money transfer, virtual currency, or money service

Venmo froze my account on XXXX with no authorization to do so. I had made transactions on XXXX with no issues. On XXXX I was sent {$500.00} and when I went to transfer into my bank they froze my account. They were supposed to contact me by late afternoon yesterday and I have heard nothing. They are not responding to my emails and are holding my funds
Product: Debt collection

i sent a prof of contract pursuant to the fair credit reporting act demanding they have the legal right to collect said debt even is the debt exists. the ignored the demand and let the statute of limitations expire. after sending a cease and desist notice and demand to remove my file from the credit agencys they have continued to report derogatory information on my credit reports.
Product: Student loan

I requested a consolidation of all three of my daughter 's student loans. Wells Fargo chose unilaterally to not do so and only consolidated two of the three. I have tried to fix this with Wells Fargo representatives multiple times with no success. Now, nobody at Wells Fargo is returning my phone messages and they say they will not reply to emails. There is something broken in the process at Wells Fargo. -*XXXX *XXXX XXXX ID is XXXX Date of a recent notice from Wells Fargo is XX/XX/2020 *Please remove my name and application ID prior to publishing this description Thank you, XXXX XXXX XXXX
Product: Debt collection

I was in the process of selling my home and squatters broke in and started living in my home. I had to have the squatter task force in XXXX XXXX XXXX remove the people from my home. somehow the squarters turned back on the utlites in my name. dispute every effort i could make XXXX  XXXX still sent my account for collection for power that was used and reactivated without my knowledge or consent. I sent my police reports statements of events and XXXX XXXX still sent me to collections
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX