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

I am writing to formally dispute the inaccurate information that remains on my credit report despite multiple requests for investigation and reinvestigation. Specifically, this pertains to the account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Despite my previous disputes, the investigation conducted by TransUnion has not resolved the issues and has been incorrectly reported as verified accurate. As a consumer, my rights under the Fair Credit Reporting Act ( FCRA ) have been violated. The reported information contains several inaccuracies, including missing and incomplete details, as well as an incorrect date of removal. 
The issues with this account include but are not limited to : Inaccurate Date of Removal : The estimated month and year that this item will be removed is incorrect. 
Incomplete Information : There is missing information related to this account that needs to be addressed. 
I am requesting a thorough reinvestigation of this account. Please provide documentation that verifies the accuracy of this account 's reporting, or remove the inaccurate information from my credit report. 

As mandated by the FCRA, I am entitled to accurate and complete information on my credit report. I urge you to fulfill your obligation by correcting these errors promptly. Please send me a confirmation that the necessary changes have been made or provide a detailed explanation of why you believe the information is correct. 


Please address this matter at your earliest convenience to avoid further violations of my consumer rights. I look forward to your prompt response.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin, XXXX XXXX XXXX XX/XX/year> Subject : Request for Debt Validation, Chain of Ownership, and Cease and Desist Dear, XXXX XXXX XXXX XXXX I hope this letter finds you well. I am writing to formally dispute the validity of the debt you claim I owe and to request specific documentation regarding this matter. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of any debt being collected, and I am exercising that right now. 

To ensure clarity and transparency, I request the following information : 1. A copy of the original assignment or contract that confirms your authority to collect on this debt.

2. A complete chain of ownership that demonstrates how this debt has been transferred from the original creditor to your agency.

3. A detailed accounting of the debt, including the original amount, any fees or interest added, and the total amount currently being claimed. 

Furthermore, I want to bring to your attention that I am currently being harassed by your agency and other collection agencies regarding this debt. This has caused me significant distress and is unacceptable. Therefore, I request that you immediately cease and desist from all further communication with me concerning this debt until you provide the requested validation. 

Please be aware that I am keeping a record of all communications related to this matter. If you fail to provide the requested documentation within 30 days of receipt of this letter, I expect you to discontinue all collection efforts regarding this debt and update my records accordingly. 

I have not supplied doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

I appreciate your prompt attention to this serious matter. I look forward to receiving the requested information so we can resolve this situation amicably. 

Sincerely, XXXX XXXX
Product: Debt collection

My name is XXXX XXXX XXXX and I don't have any form of contract or agreement to FIRST COLLECTION SVCS ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX. I have been sending written letters to XXXX about this matter but they are still neglecting my request of getting it removed. Also, I have asked for some copies of any signed agreement between me and XXXX XXXX XXXX but until now, I got nothing. This is a serious matter for me and XXXX and the furnisher should take this complaint seriously.
Product: Mortgage

My loan was originally with XXXX which later in XXXX, 2019 got transferred to PHH Mortgage Services. 
In XXXX of 2019, my XXXX online account showed {$0.00} payment due, so I called to inquire and I was informed that I was qualified for the Federal Disaster Mortgage Forbearance and that I did not need to make payments for three months. I was also told that regular payments would resume at the end of the three months. In XXXX, 2019 I checked my online account after receiving an email from XXXX about statement availability and again, it showed {$0.00} amount payment due. Every month after that the account showed {$0.00} payment due. 
After the transfer, I tried to make my regular payment to PHH but it was rejected. When I called PHH to find out why, I was told that I owed money for six months starting from XXXX of 2019 and that there were no documents in my record about the Federal Disaster Mortgage Forbearance. Going back to contact XXXX is no longer an option. I was verbally informed over the phone with XXXX of the Federal Disaster Mortgage Forbearance, but I never received any related documents. However, I also never received any notices in any form to alert me that I had missed any payments. I had thought that my regular payments would have started again with XXXX in XXXX of 2019, but every time I logged into my account it showed {$0.00} amount due. I had no idea if it was related to the transfer or the modification I had applied for. Now, PHH is demanding {$21000.00} of back payments.
Product: Checking or savings account

On XX/XX/XXXX, I requested a wire be sent for our home purchase scheduled for XX/XX/XXXX. On our day of closing, XX/XX/XXXX, we expected the wire be sent that day in order for us to close on our home. I was told that Ally would call me if anything was needed from me. As the hours went by on the day of closing, XX/XX/XXXX, I noticed that no one called me but checking the app said that I needed to call their number for more information. I was not told what information was needed and was confused why I was not called in the first place if they needed information from me. Nonetheless, I called and spent over 6 hours on hold during that day trying to get in contact with someone. I was able to get a hold of someone 3 times that day in 6 hours. The first time, I was told I would be put on hold for 3-5 minutes. During the time I was on hold, I was hung up after spending two hours trying to talk to someone. I had to call back a second time. The second time I called there was a similar hold time. I spoke wot someone who said wire information needed to be verified. I verified and confirmed that everything was completed with the teller and was assured that the wire would be sent the same day as I was able to verify the information before the cutoff time. This turned out to be not true since I noticed on the app that more information was needed. I called back a third time and was on hold for hours again before I was able to get a hold of someone. The third person stated that information needed to be verified again even though I confirmed with the person prior that everything was verified. I verified the number again but was told that the wire would no longer be able to be sent the same day. This was an incredible inconvenience as we had planned to start moving over the weekend, but now we are not able to do that. I was then told that the wire would be sent on XX/XX/XXXX. I specifically asked if they meant XX/XX/XXXX or Monday, XX/XX/XXXX and they confirmed the XXXX. I checked the app on XX/XX/XXXX to confirm the wire was sent and the same pop-up showed that I needed to call Ally Bank XXXX I called once again after spending more hours on hold and now I am being told by the 4th person that they can not seem to locate my wire. I gave them all of the information they requested but now my wire seems to have disappeared from their system. I was told to call back on XX/XX/XXXX. This is unacceptable and seems inconceivable to me how a bank can lose someone's wire and money. I was never contacted regarding this and everything had to be done on my initiative instead of the other way around, even though they have lost my wire of tens of thousands of dollars. Ally bank said they would call me if anything was needed from me but they never did. This is shameful and I feel like they do not care about the distress this is causing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, i have rights under 15 USC 1681. 

XXXX is governed by 15 USC 1681 and they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and did not give XXXX written permission to furnish these accounts XXXX XXXX  account number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account Number XXXX
Product: Credit reporting or other personal consumer reports

Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 
Who is going to govern these agencies?

By 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 - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Oh, please verify by providing color copy of my ID wet signature of original contract or immediately update to paid never missed a payment. 

Trans Union, XXXX, and XXXX have 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the data is inaccurate.
Product: Money transfer, virtual currency, or money service

My XXXX  account got suspended by hackers. I was able to find a customer service line on XXXX and called for help. Now I know it was hackers not XXXX  but I thought it was they told me my account was suspended because my cash app linked to my account was trying to fraud people over 70 times and we had to verify and fix that so my XXXX would be restored. They never asked for money or payment so I thought it was legit. They had me download a app called helpdesk so they could guide me. Once I did that they had me verify my cash app by adding my liscence and a photo and then they said they had to do test transactions to clear it up. They transferred XXXX from my linked checking Once they did they said it wasn't going through and then they removed my verified debit and bank account and said they had to try another way and put some other card in and boom my money was gone. Then the line went dead. I contacted cash app multiple times and they have these records to show that is the way it happened and that this other card not in my name was added but they refuse to refund my money and say it matches previous transactions. It does not I rarely use cash app and only use at merchants to purchase and my son sometimes pays me back through cashapp. This is clearly fraudulent and yes I was stupid but cash app knows the situation and has the evidence and is lying to not refund my money.
Product: Credit card or prepaid card

I've had my Mastercard account since XXXX. Each month I get my statement, review my statement and write a check paying the account in full. 
My card was rejected at a gas pump today. I called and was told it was because of late payment due two days ago. I told them I hadn't received a statement. They said statements are late this month because of some internal issue but the payment is still due and late fees apply and my card will remain unusable until they receive payment. I told them I have every intention of paying when I receive my statement but I need a statement to review before making payment. They said they're attempting to resolve the issue. 
No apology, no assistance just a demand for immediate payment and late fees.
Product: Credit reporting or other personal consumer reports

I'm writing to complaint to EQUIFAX about the detailed information on my credit document that isn't genuinely agreeable, demonstrated legitimate, or reported as completely obvious and truly checked. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I go by XXXX XXXX XXXX. My birthdate is XXXX. I have noticed likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. The FTC report number related to this complaint is XXXX. As a customer, I'm qualified for request or potentially constrain you to eliminate them when conceivable inside my government and state customer or potentially social equality. I am filing this consumer complaint and conducting a consumer check to ensure compliance with FACTA Title 1 Section for the particular items you are reporting. 151 that unambiguously obliges a depicted of the modus. This is a legitimate inquiry of information and declaring.
Product: Credit reporting or other personal consumer reports

Lexis Nexis once again, for 3 months now is stalling. They just sent me yet another letter saying they can't verify me. I was called by them ( its recorded ) twice to PROVE MY IDENTITY. THEY APPROVED IT TWICE..but I still get letters saying they can verify me. How can toy let this go on for 3 months? Its obvious what they are doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX I sent a letter regarding inaccurate and unknown things on maybe credit report to this day over 45 days later I have not received a response yet. I feel like im. being taken advantage of and being ignored of my disputes Section 611 ( a ). its plainy stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have got into there hands of the wrong person
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of ( XX/XX/2023. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. 
Please see screenshot attached :
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests in TransUnion Credit Bureau, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These are the items that need to update or remove from my report immediately. 
XXXX  XXXX Balance : {$0.00} XXXX/XXXX  XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Conventional real estate mortgage with account # XXXX opened on XX/XX/2015 and a balance of {$290000.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 

There should be no negative in my history for 3 years. I have all bank statements to show monthly payments
Product: Credit card

I opened Hilton Honors American Express Surpass card with the opening bonus of XXXX Hilton Honors points after spending {$3000.00} with {$150.00} annual fee. Well, they charged me an annual fee and I also spend {$3000.00}. I never received those points. Initial chat with the representative stated that the bonus will be posted in 8-10 weeks. When I called again today,XX/XX/XXXX, they said that they will not post those bonus points to me, since I already had that card back in XXXX! This was never disclosed to me when I applied for the card. They charged me {$150.00} annual fee and I spent {$3000.00} getting no promised points in return.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have tried to reach out to collector to correct the account status on my report this account below has been paid and full i have attached proof the balance is paid. the collection agency XXXX XXXX did agree to delete this off my credit and it hasnt been done yet. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) - this account is paid and full. creditor agreed to remove once paid. factual proof attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX on these dates disputed below without a response or awaiting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I made a purchase for a mantel from a company on XX/XX/2017, and they were supposed to deliver the item 2 weeks later. After numerous phone calls and 8 weeks later, I was finally told that they were overwhelmed and behind, and they were working on getting the mantel into their warehouse. Additionally, the salesperson screamed at me. I told them at that time that I wished to cancel the mantel, and would like a full refund. After arguing with the salesperson, I contacted Discover and advised them that I wanted to dispute the purchase because I had not received the merchandise, and I was misled as to when I receive it. Since XX/XX/XXXX, I have been going back and forth with Discover Card, and they have sided with the merchant after their representative told me not to cancel my dispute until the merchandise was received. I have never received the merchandise, and after 9 months I don't want it. Discover states that I signed a form stating that the merchandise was special order, which was not true. The special order item was the fireplace door, which I cancelled and those funds were returned back to my card. At this point, I have exhausted all options with Discover Card, and they are refusing to credit my account for the full amount, because the merchant has stated they have tried to contact me, which again is not true because they advised me back in XX/XX/XXXX that until I cancelled my dispute they would not deliver the item, and I have not cancelled the dispute because they refuse to deliver the item.
Product: Mortgage

Was with OCWEN NOW PHH. 
My town added a one time betterment charge of {$1400.00} to XX/XX/2019 tax bill. 
PHH raised my escrow from {$480.00} to {$880.00} per month. I paid until {$1400.00} was repaid and went back to original amount. 
PHH PUTS ME ON HOLD AND THEN HANGS UP OVER AND OVER. 
Act # XXXX
Product: Vehicle loan or lease

i had a XXXX XXXX in XXXX XXXX XXXX i was place in a XXXX i offer to pay something to keep the loan update to pay until i return back to work matter fact i paid the car note for 3 month until i got done with XXXX i ask them to sent me a 1099 E because the account is showing up on my comsumer report i just want this company to give a 1099 form because it shows ( profit and loss )
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX - XXXX XXXX XXXX On XX/XX/2021, I settled this account through XXXX XXXX XXXX. The account was paid in full and is closed. The charge off for XXXX XXXX XXXX has not been updated. I contacted Experian on XX/XX/2021, opened disputes, and sent the settlement letter from XXXX XXXX XXXX, the receipt from XXXX XXXX XXXX, and the XXXX XXXX reflecting that the amount was taken from my checking account. I spoke with a representative on XX/XX/2021 from Experian and they stated that they are unable to update the chargeoff as Paid. The account is a chargeoff, but it is a paid chargeoff and it should reflect that. I would like for Experian to remove the tradeline. If they are unable to, I would like for Experian to report that this account has been settled and paid. I fell behind in this account because I was laid off and lost my home in a fire. I am a single parent of XXXX children and I am unable to purchase a home for my family until this is resolved. l have attached the letter from XXXX XXXX XXXX, the receipt from XXXX XXXX XXXX, the XXXX XXXX reflecting that the amount was taken from my checking account, USPS Receipt regarding the mailing of documents, XXXX XXXX XXXX and the police report from the fire that destroyed my home. Thank you for your cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 day demand XX/XX/2021
Product: Bank account or service

Around XXXX in 2011 my account was reported for fraud i went through the process with u guys and everything the account went into investigation and the fees were paid out every thing was settled you guys closed the account and stated i couldnt get an account with BANK OF AMERICA at the moment but could with other banks. Later on the following year i was mailed a check to cash for XXXX that was what i had left i guess. So now im not understanding why cant i get an account with anyone.