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

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 35 days later I have not received a response yet. I feel like XXXX being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly 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 35 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 caused me. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

American Express charged off my credit card ( account number XXXX ) in the amount of {$9000.00}, but never provided the 1099C. In addition, American Express already wrote the debt off so they are not able to collect on the debt twice. This is fraudulent.

Under the FCRA, I can seek statutory damages if a creditor furnishes inaccurate information about a debt, such as incorrectly reporting a charge-off while still claiming that I owe the debt. This is fraudulent.
Product: Credit reporting or other personal consumer reports

this account is not mine and i want it removed this is identity theft account, XXXX XXXX XXXX opened XX/XX/year>XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so so upset that these agencies are still reporting XXXX  fraudulent accounts totaling approx {$1000.00} or more which not ever mine. I am disturbed how I cant have my finances better due to all these fraud accts charged off. Please do your due diligence and find the evidence that these accounts were all fraud. Having no knowledge of these fraudulent entries on my credit report as i was not paying attention that they did not delete these off since I reported back then. I was wondering why my credit was just being basic with limited lines until the banker asked me to pulled my report and then I see all the errors and fraudulent accounts that were not removed with all different variation of names. i cant even determine the exact amounts or dates as I did not have no accounts with the account numbers reported companies, and I no opened accounts on the dates posted on my credit reports. I have been a victim of ID Theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I duspute the following inquiries with the credit bureaus and also with the perspective companies. 

The companies have not responded and the credit bureaus are continuing to report them on my report. 

I do not have any credit line with these companies, i have not applied for any credit nor have I received any firm offers of credit from these companies. 

They are as follows : -XXXX XXXX -XXXX -XXXX XXXX
Product: Debt collection

My wife and I received a bill dated XX/XX/2021 from a company called XXXX  XXXX for services in the amount of {$99.00} with a demand for immediate payment. We had never heard of this company before and did not know what the bill was for. 

On XX/XX/2021, we called the number provided for inquiries, which directed us to a company called Equiant. When we were connected with an agent, he advised that any information we provided would be provided to collections. He refused to provide us with information regarding the bill until we provided a great deal of personal information, which we refused to do given his suggestion that the matter was being referred to collections. He also stated that we had more than one account and that only one of the accounts was closed. We asked repeatedly to speak with someone from XXXX  XXXX, which we learned was formerly XXXX XXXX. When the agent finally transferred us, it was an endless loop that was then disconnected. 

We looked up a phone number for XXXX XXXX, and we were connected again with XXXX XXXX. We spoke with an agent named XXXX XXXX, who advised us that XXXX XXXX had been acquired by XXXX  XXXX. XXXX advised us that the {$99.00} charge was never part of XXXX  XXXX or XXXX XXXX XXXX. He also advised us that the bill should not have been sent and that we didnt owe any money. XXXX further confirmed that we had terminated our relationship with XXXX XXXX years before. Finally, he indicated that XXXX  XXXX was seeking to collect the same fee from other customers. XXXX suggested that he would send a note to accounting, but abruptly disconnected the call when we had indicated we had further questions and before we had an opportunity to ask for written confirmation of the resolution. 

We have since learned that the customer service phone number and address ( including suite number ) for XXXX  XXXX and Equiant are the same. 

Given the implicit threat to send the matter to collections and the statement by the Equiant agent that we had multiple accounts with the companies, we believe that the billing for services never requested or rendered is false and the process misleading to coerce payment where none is due. 

We want written confirmation that ( 1 ) all account we had with XXXX XXXX have been closed, as requested years ago, ( 2 ) we owe no payment to any of these companies : XXXX XXXX, XXXX XXXX or Equiant, ( 3 ) the bill will not be and has not sent to collections, and ( 4 ) the matter is not going to adversely impact our credit scores in any manner.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan

The Cash Store - Lender is harassing my husband in phone calls. Cloning a phone number from the county attorney. Claims to be a process server from the county and tells my husband he either needs to pay {$5000.00} that day or be sued. Gets very ugly and argumentative.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX  XXXX KY XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$3500.00}, XXXX XXXX XXXX Balance : {$14000.00}, XXXX XXXX Balance : {$1700.00}XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX  Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX RE : Debit Validation Request- To whom it may concern : Collection Agency Representative I am writing to request validation of the debt you are attempting to collect from me.I have recently pulled my credit report and noticed tha there is a collection listing from your agency.

I have never been notified of this collection action of that I owe this debt. 
This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money.from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activiy and remove it all together. 

Pursuant to to the Fair Debit Collection Practices Act ( FDCPA ), 15 U. S. C. 1692, I am requesting that you provide me with the following information to validate this debt. 

Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the allege debtor with promises to pay the original creditor. 
Complete payment history on this account to prove that the amount you wish to collect is correct. 


Sincerely,
Product: Checking or savings account

Hi my name is XXXX XXXX XXXX XXXX XXXX and I am a XXXX XXXX and XXXX XXXX. During the month of XXXX I fell victim to a banking scam, and it basically affected me my whole first semester. I was banking with Chase Bank of America at the time, but now I bank with XXXX. In terms of the banking scam and the problem with my bank is that I was sent money, I believe they were two {$1000.00} checks, which were apparently altered or stolen checks that were put into my account by a scammer. I was not comfortable with the money being in my account so I sent the money back to this ( scammer ) that I didnt know was scamming me at the time. Then a few days later I looked in my account to see that {$2000.00} dollars was returned out of my account by my bank, and they did this without my knowledge. Then I contacted the scammer out of panic to try get my money back, after speaking with the bank, and they said there was nothing that they could do. This led to multiple unauthorized XXXX payments of {$500.00} amounts and false checks that were eventually taken out of my account by the scammer. The scammer even filed dispute claims on transactions that I made, and one of them was a tuition payment that I made towards my first semester of college. This shows the lack of security and lack of accountability that chase holds. They completely refused or claimed that they can not do anything. Eventually my account went in overdraw, and I went from having {$9000.00} to {$0.00} from my savings and checking account combined over the course of 3-4 months, and then it even went in overdraft because of all the false checks that were being put into my account and being returned that I am now accountable to pay off when I now have little to no money. I am working with my school and the police to try resolve this situation that I am in as well. I hope this is enough information about my situation, and I apologize if I did not include any specific dates because after the first incident with the checks it went out of control, and I couldnt keep track of everything on top of school. I learned a valuable lesson, and even though it affected me, I think of it as a learning experience and I am going to recover from it.
Product: Mortgage

we have a home loan mortgage from CitiMortgage since XXXX we never missed any payment. last XXXX XX/XX/XXXX CitiMortgage said somebody made a stop payment for the check we sent. nobody made a stop payment. went to XXXX XXXX XXXX and clarified and no record for stoppage and check was cash by CitiMortgage and no return check. we tried to dispute and called CitiMortgage customer service so many times but na avail. while on dispute for 4 months late charges were added and we decided to send another check payment for that XXXX plus the late charges. now we are trying to get out of CitiMortgage and refinance to other and ca n't do it because our credit report showing we missed paying our monthly morgage and our credit report is no good/messed up. would like to clear our records resolved. thanks.
Product: Debt collection

This company Portfolio Recovery called Me on Sunday XX/XX/2018 at XXXX. 
Never said who they were but kept asking to speak with me, When I went to respond they hung up.
Product: Credit card

I currently have a kohls credit card I've had this card for awhile. Apparently capital One now owns it and they closed my card. I've had credit cards with them in the past that were closed and I have been paying them off. But as soon as they took over this card they closed the account. I called them and they said because of past experience I can't ever have any kind of credit card with them. This isn't fair to me I didn't do anything wrong and treat me like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Charge off from XXXX XXXX XXXX XXXX is being reported on my account multiple times. Same account is listed over and over again. Not sure how TransUnion is allowed to have the same creditor report the same debt repeatedly as if it's a new account or new information. Same account! Credit card account appearing twice on my credit report in the amount of {$17000.00}. Only difference between accounts is they decided to add a 1 before the 4. It is the exact same account opened the same month with the same amount owed.
Product: Credit card

I am currently verifying my credit because it is very bad and I see this account that I do not recognize that I did not do it I did not do it and I ask you to delete it you do not have debts but you have non-payments for late payments Therefore it affects my credit I request that It is deleted since my information was stolen, that account is not mine. 

XXXX XXXX XXXX XXXX
Product: Mortgage

I initiated the partial release process in XXXX of XXXX and have experienced persistent delays and communication issues. Despite my continued efforts to comply with all requirements and follow up regularly, the resolution has been elusive, stretching for almost a year and causing significant frustration. 


Here is a detailed chronology of my interactions with Capital Mortgage of Texas : XX/XX/XXXX : Initiated the process by contacting the customer service center. No response received. 
XXXX XXXX XXXX  : Engaged in the chat feature, where I was informed by XXXX that he would research and get back to me. Unfortunately, no response was received. 
XXXX and XX/XX/XXXX : Made follow-up phone calls due to the lack of progress. No conclusive information was provided. 
XX/XX/XXXX : Utilized the chat feature again and was informed by XXXX that they had emailed XXXX and he would get back to me. 
XX/XX/XXXX : In a subsequent chat session with XXXX, I was provided with a list of items required to proceed. 
XX/XX/XXXX : Formally submitted my request, including all necessary information. XXXX confirmed receipt and mentioned contacting FHA for confirmation. 
XX/XX/XXXX : Followed up and was informed on XX/XX/XXXX by XXXX about delays due to an audit with an investor. 
XX/XX/XXXX : Followed up again, received a response on XX/XX/XXXX stating that someone from the relevant department would contact me soon. 
XX/XX/XXXX : Followed up by email and phone. Spoke with XXXX on XX/XX/XXXX, who indicated completion by the end of the year. 
XX/XX/XXXX : Emailed again and received a response on XX/XX/XXXX, stating that XXXX XXXX would be reaching out to the CEO for guidance. 
XX/XX/XXXX : Emailed again, and XXXX XXXX indicated putting in a request with the XXXX  HUD XXXX for guidance. 
XX/XX/XXXX : Received information that the XXXX XXXX is XXXX, CO, and a message was left with a follow-up planned for the next week. 
XX/XX/XXXX : Emailed HUD to request the partial release and cc 'd XXXX and XXXX. 
XX/XX/XXXX Emailed XXXX XXXX XXXX to escalate the issue. 
XX/XX/XXXX Emailed the FHA directly to escalate the issue. 
XX/XX/XXXX, Received the notice from FHA that the release was approved. 
XX/XX/XXXX Mailed check XX/XX/XXXX Followed up with XXXX, check was still not cashed. 
XX/XX/XXXX Followed up again with XXXX, check still not cashed. No response XX/XX/XXXX Followed up with XXXX again, check cashed XX/XX/XXXX Followed up with XXXX again, No response XX/XX/XXXX Followed up with XXXX again, No response XX/XX/XXXX Emailed XXXX XXXX XXXX to escalate the issue. 
Rcvd a response that the title was clear and sent to the local courthouse Listed Property for sale and received and offer went into contract with a closing for XX/XX/XXXX found the title is not clear and the lien is still on the home.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. XXXX and TransUnion must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

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

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

i am under a 3 month Forbearance Plan due to the Covid 19 virus i just received a very threatening letter stating i am in default and the loan is delinquent after i pleaded with the bank representative to send me a letter ( or an email ) telling me either to disregard the letter or a letter stating my mortgage is still in good standing, they refused to do so! 

please help me as soon as possible as i am already having a difficult time as my business is at a standstill due to the Virus thank you in advance for your help XXXX XXXX cell # XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed Us Dept of Ed/XXXX XXXX and collection services on all 3 credit bureaus for inaccurate reporting of information not only on high credit limit and inaccurate account history, which all comes back " verified ''. Method of verification letters were mailed and received by not only Equifax but XXXX as well, receipts are provided. Yet all that this did was create disputes which were not what was requested and information that they have was not sent to me about how they verified this information. I have one specific account reporting an inaccurate account high credit limit from XX/XX/XXXX. On Equifax account history is inaccurate showing a past due balance of {$1.00} on all 4 accounts. On XXXX  the same account dated XX/XX/XXXX is reporting an incorrect high balance. On XXXX the same account is once again reporting an incorrect high balance and all 4 accounts are showing as failed to pay in XX/XX/XXXX in the account history but these were paid and closed in XX/XX/XXXX via consolidation. Each credit bureau also has different date of first delienquency information from the original creditor XXXX XXXX which has since been deleted for inaccuracies, these accounts should be deleted as well. I am not sure how they are verifying inaccurate information that is proven based on FAFSA and NSLDS database concerning student loans. Each loan was paid XX/XX/XXXX with a {$0.00} outstanding balance and interest. NSLDS also shows the accurate amount borrowed and proves the inaccuracy of the high credit limit on the one account that I have tried to have corrected. Since these inaccuracies have failed to be accurately verfied based on information I have sent and proven. These should be removed as they are in violation of inaccurate credit reporting and inaccuracies disputed should be updated to accurate account information or deleted if information can't be verified as accurate, which it is not across all 3 credit bureaus. This information has failed to update the first time and I entitled to fair credit reporting and accurate information, if that information isn't accurate and/or updated then it should be deleted. For each bureau dispute numbers are the following : Equifax : XXXX XXXX   : file number XXXX report date XX/XX/XXXX XXXX : XXXX Attached files are the following : 1 ) NSLDS about account in question with inaccurate high credit also shows that account was paid in XXXX and XXXX reporting is inaccurate 2 ) Receipts to Equifax and XXXX 3 ) FAFSA information with original credit limit. 
Report numbers with disputes in question 4 ) Original copies of method of verification letters mailed
Product: Student loan

Navient called my mother in law 's phone number about my student loan debt when she is located in Hawaii and it was XXXX there and when I told the loan provider not to call again, she ( XXXX XXXX XXXX ) informed me that she had " called a lot of numbers that day looking for '' me. I told her she broke the Fair Debt Collection Practices Act as she had called a number in Hawaii and she told me that she had not as my loan is past due. She also informed me at the end of the call- which did not end well- that she will continue to call even though I told her not to call anymore.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Product: Money transfer, virtual currency, or money service

Im writing about my concerns about Zelle. I have been using Zelle for years and they failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate has not only neglected neglected to protect consumers but has allowed repeat offenders to exploit the system, leaving users vulnerable to the scam.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and determine the presence of identity theft on my TransUnion credit bureau report. It has come to my attention that my credit report contains fraudulent accounts that are a direct result of identity theft. I am determined to rectify this situation promptly and restore the accuracy of my credit profile. The following fraudulent accounts have been erroneously listed on my credit report : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and Bankruptcy XXXX  XXXX XXXX
Product: Credit reporting

Company is reporting an outstanding balance. There is no outstanding balance, and the account is closed.