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

( DISPUTE CODE-103 ) My personal information was stolen in XXXX, since that day I've been seeing a lot of unauthorized inquiries and accounts. I've attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting Act multiple unauthorized Inquiries and accounts have been found on my credit report please immediately delete and remove all inaccurate inquires and addresses i have listed, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

We had a legal and binding contract for the purchase of XXXX XXXX XXXX XXXX tx XXXX. We offered well above asking price on the short sale purchase. The contract was accepted by the homeowner and Ditech, the third party lender. After selling stock for the down payment and paying out of pocket for home inspections, XXXX weeks prior to closing, Ditech closed the file. We could not understand what happened as they made a phone call to our realtor to say the file has been closed and they 're pulling it off the market. We were willing to close early if a closing date of XX/XX/XXXX was an issue and we were also willing to pay more then our excepted offer by another XXXX. After excepting an offer and being in a legally binding contract for the sale of this home they were unwilling to negotiate at all on good terms. we feel this was done under handedly after paying out-of-pocket for something and they should have never excepted an offer in the first place if certain numbers in limits were in place for them to go by the fact that they excepted the offer to begin with they should 've uphold their word and legal binding contract to continue and finalize the sale of this home. Please file a complaint against Ditech for bad business and having backed out of a binding contract. Contact us if there can be resolution. XXXX XXXX XXXX
Product: Debt collection

Subject : Dispute Regarding Inaccurate Debt Reporting Dear Sir/Madam, I hope this letter finds you well. I am writing to formally dispute the presence of a debt on my credit report, which has been reported by a third-party collection agency listed on my report. I would like to clarify that I do not have any contractual agreement with the said collection agency, and therefore, I am not responsible for the alleged debt they are attempting to collect. 

It is my understanding that the collection agency acquired this debt for a significantly reduced amount, often referred to as " pennies on the dollar. '' In doing so, they assumed the risk associated with the lack of a signed contract from me, the consumer. I believe it is unjust that I am being penalized for a debt that I do not owe, and it is negatively impacting my creditworthiness. 

I kindly request that you investigate this matter thoroughly and remove the disputed item from my credit report. As per the Fair Credit Reporting Act ( FCRA ), it is your obligation to ensure the accuracy of the information you report. In this case, the inclusion of the alleged debt is inaccurate and misleading, as I have never entered into any contractual agreement with the collection agency. 

Furthermore, I have taken the liberty of cc'ing the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) to assist in the resolution of this matter. I have been struggling with this issue since 2017, and despite my efforts, I have not been able to find a satisfactory solution. The negative impact caused by this inaccurate information being reported on my credit report is affecting my financial opportunities and overall well-being. 

I urge you to take prompt action in investigating this dispute and rectifying the inaccuracies on my credit report. I expect to receive a written response from your office within the legally mandated 30-day period, informing me of the actions taken to address this matter. 

Thank you for your attention to this dispute. I trust that you will handle this matter with the utmost professionalism and urgency it deserves. 

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

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I recently reviewed my credit report and notice an account that was not reporting accurately. I had ( XXXX ) late payments on my account that i was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates. ( XX/XX/year> ) I'm now requesting you to investigate and provide verifiable proof with records showing that i had late payments. If this information can not be verified i demand these payments be updated to paid on time immediately. Thank you for understanding and prompt action.
Product: Student loan

XX/XX/2014 I began working with Navient to consolidate my federal student loans. I paid them a total of {$600.00} and was advised that my loans were paid in full. My loans were also taken off my credit report ; they returned a year later and while attempting to contact Navient, I was advised that they could not locate my account.
Product: Debt collection

This catalog sales company has been harassing me for months despite my demand to provide anything stating I'm the responsible party. They have not nor can thwy prove as much. I have asked them repeatedly to stop harassing me for someone else 's debt. They will not cease.
Product: Mortgage

I am sending this credit bureau dispute directly to the CFPB only because I could not locate and address on either lenders bills ( I have an older copy ) or website for the address a consumer may submit a direct dispute. Both Lenders do provide an address for NOE and RFI requests. I did originally refer to my efforts to force the sell of the home with a previous NOE/RFI request sent to both lenders. 
During the past XXXX years, I 've tried to make every effort and spent XXXX of dollars in attorney fees to force my ex-husband to either refinance or sell the house. Although he has XXXX intention to stay in the home ( he is moving to South Carolina in XX/XX/XXXX ), he has refused to sell the house or to allow me to coordinate the sell of the house. It is his final act of abuse to intentionally ruin my credit. I 've attached XXXX court orders that try to force him to sell or refinance the house. He has either ignored the request of the court or filed an appeal to delay any action. The most recent order on XX/XX/XXXX was appealed to the XXXX, simply as another way to ensure that my credit is ruined. He represents himself which allows him to freely continue to file these appeals, which take time to move through the system and money on my part to defend. 
I know that a court order does not supersede nor negate my financial responsibility to this debt, but I am asking that this trade line be deleted from my credit bureau. When I was finally able to escape my abusive marriage XX/XX/XXXX, XXXX continued to find ways to harass me and ruin any chance that I would have for financial independence. I 've also attached a copy of my credit report from XX/XX/XXXX that demonstrates that the only bills in a negative status are those for the XXXX XXXX property. I have a credit monitoring service which just alerted me that he is now XXXX days delinquent on the XXXX mortgage and XXXX delinquent on the XXXX mortgage and because the latest order to force the sell of the house is in appeal, I ca n't do anything to change this situation. 
I need help and any consideration would be appreciated. Thanks.
Product: Credit reporting or other personal consumer reports

i disagree with the account listed below which still appears on my credit report, i would like this item immediatly re-investigated, the inaccuracies are highly injurious to my credit score ( XXXX XXXX, XXXX. ) in accordance with the fair credit reporting act, public law 91-506, tittle VI, subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that i may follow up. please send me an updated copy of my credit report after your reinvestigation. send it at my email at XXXX and my social is XXXX
Product: Checking or savings account

A customer sent us a check for payment the customers bank was XXXX XXXX Someone intercepted the check, altered it. Bank of America Cashed the forged check. 
We submitted a claim form XXXX Weeks ago. Bank of America still refuses to reimburse our customer so they can reimburse us.
Product: Payday loan, title loan, or personal loan

About 7 months ago i lost my job i did find another job but make less money when this issue first happened XXXX and XXXX at XXXX XXXX in XXXX tennessee were amazing they were kind and worked with me to help me from falling farther behind by allowing me to pay {$40.00} per week which i tried my best to do and often did but when i wasnt able they were kind and worked with me recently i went in to pay {$100.00} on my payment and a woman named XXXX whom I have never dealt with was very rude and refused my payment during this visit I also requested to XXXX at the front desk that my wife be removed from my references and not called because i didnt want her knowing my financial business and she told me she didnt want any more calls from them I work in a job where it is very hard to answer the phone and my schedule makes it difficult for me to go to location and i do not have a bank account so i can not make payments over the phone since then I have received at least 10 phone calls per day from XXXX and XXXX with many calls being from their personal cell phones i have the call logs to prove it one day XXXX caught me at a rare time i was able to answer by calling me from her cell phone she apologized for XXXX 's attitude and said she would work with me I requested that XXXX no longer work my account and she said she would make note I told her I would try to bring in money the following business day but my son ended up having a doctor appointment to see a XXXX XXXX and I could not make it and the money I had set aside went to another bill since they wouldnt accept my payment I have inquired about hardship or refinancing to help me catch up and nothing has been offered to me today I have yet again received multiple phone calls with several from cell phones and my wife who was no longer supposed to be receiving calls from them received 3 phone calls I called XXXX the manager to  try and resolve this issue and he did not care about my complaint he just wanted to know when I would be in.
Product: Debt collection

I requested original contract with signature saying that that was my account. All they sent was bills that is not sufficient. They are threatening to take me to court and sue me and this is not my debt so this is the course of action I have to take in order to get this removed
Product: Credit reporting or other personal consumer reports

I am writing to express my continued concern and dissatisfaction regarding the presence of fraudulent items on my credit report, which I have previously reported to your agency. Despite my initial dispute and the provision of supporting documentation, these fraudulent items have not been removed from my credit report, and they continue to have a detrimental impact on my financial standing. This letter serves as my second attempt to seek the removal of these erroneous entries. 

I initially reported these fraudulent items to your agency on [ mention the date of your initial dispute ]. At that time, I provided all the necessary documentation to prove the inaccuracies and fraudulent nature of these entries. However, despite the evidence I submitted, these items remain on my credit report, causing unwarranted damage to my creditworthiness. 

I kindly request that you conduct a thorough investigation into these fraudulent items once again and take immediate action to remove them from my credit report. As you are aware, the presence of inaccurate and fraudulent information on a credit report can result in serious financial consequences, including the inability to secure loans, obtain credit, or make essential purchases. 

Under the Fair Credit Reporting Act ( FCRA ), you are obligated to conduct a reasonable reinvestigation of disputed items and correct or delete any information found to be inaccurate or unverifiable within 30 days. I expect that you will adhere to this statutory requirement and take prompt action to rectify this situation. 

Enclosed with this letter, you will find copies of all the documents and evidence I provided during my initial dispute for your reference. This documentation includes [ list the documents you are enclosing, such as DL, POB identity theft reports, correspondence with creditors, etc. ].

I urge you to prioritize this matter and provide a written response within the legally mandated 30-day timeframe, outlining the results of your reinvestigation and confirming the removal of the fraudulent items from my credit report. Additionally, I request that you notify all the credit reporting agencies to which you have provided this erroneous information, as required by law. Please assist me to remove the following fraudulent items : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX  XXXX Balance XXXX {$720.00} XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance : {$700.00} AXXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX  XXXX Balance : {$720.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX Balance : {$720.00} XXXX XXXX Balance XXXX {$700.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Citibank keeps hounding me for charges on a Citibank credit card I never received, never activated, and never used. 

I would like to help Citibank follow up and solve this fraud but Citibank has shown no interest in contacting me about the fraud and the fraudulent transactions or investigating them in any way. One of the charges is for XXXX. Citi haven't even followed up on that to get the address where the delivery was made. Nor has Citibank explained how their " security team '' allowed someone to 'activate ' a new Citibank credit card in my name. Zero response. Citibank also has not removed their fraudulent charges from Citi 's credit reporting about " me '' to credit bureaus. 

On top of all that, Citibank does not have an email address at which customers can report fraud to Citibank so I have literally had to spend more than 5 hours on the phone responding to Citi and explaining all this to Citi ( always someone new ) repeatedly and navigating a Citibank automated phone system that inexplicably is completely not designed to handle Citibank card fraud if the person reporting fraud has never receivedthe card and therefore does not havethe card number. How can this be? This must have happened to Citi tens of thousands of times if not hundreds of thousands times. XXXX? 

I can't log onto Citi online because I do not have a Citi online account and I never even received the card that Citi says I have charges on so I have no credit card number to set up a Citibank online account with. If Citi really wants to reduce fraud, set up an email address at which people can report fraud. And set up a phone system that allows someone to speak to a human about fraud in less than 20 minutes. 

Please stop allowing Citibank to waste its customers ' ( or in my case potential customer 's ) time. 

I would have loved to help Citibank investigate and solve this fraud. Citibank has shown no interest in that because that would require Citi doing something that is not automated. Citi instead prefers to waste my time, fill up my phone and email with past due messages for charges that are not mine, and mess up my credit. 

I find this remarkable and sad.Please help. This is insane and dehumanizing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed inquires on my credit report that I did authorize in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The following inquires were disputed : - XXXX XXXX : XX/XX/XXXX - XXXX XXXX  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 XXXX : XX/XX/XXXX - XXXX XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX   XXXX  : XX/XX/XXXX - XXXX XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX XXXX : XX/XX/XXXX - 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 XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX However, XXXX sent me a letter each time that the information was verified but could not produce any documentation with my signature nor my consent.
Product: Debt collection

I discovered a collection report from National Credit System regarding a debt from XXXX XXXX XXXX for {$7400.00}. This collection account was opened on XX/XX/year>, and updated as recently as XX/XX/year>, without my prior knowledge or any notification from either National Credit System or XXXX XXXX XXXX I was not informed of the debt or given the opportunity to dispute the charges, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ). 

Additionally, my fiance, who was also associated with the account, received the same collection report. Neither of us was contacted or notified about the debt by email, phone, or letter, further violating FDCPA guidelines, which require them to inform all responsible parties and give us the opportunity to dispute or validate the claim before reporting it to credit bureaus. As a result, the collection was reported directly to the credit bureaus, negatively impacting both of our credit scores. 

Furthermore, I had been requesting the return of my security deposit and the XXXX months rent I had paid upfront. At the time of my departure, XXXX  days of that rent were still remaining unused. Despite my attempts to resolve this matter with XXXX XXXX XXXX, no action was taken to address my request or refund the amount owed to me. 

To resolve this, I have previously tried contacting XXXX XXXX XXXX and their management, but no resolution was provided. I have documented proof of my communication attempts, including emails and a timeline of events, such as when my access to the apartment was XXXX, which ultimately led to my departure from the property. 

I request that this collection be removed from both my credit report and my fiances, due to the lack of notification and violation of FDCPA guidelines.
Product: Debt collection

Several phone calls, some aXXXX XXXX XXXX in the morning and after XXXX at night. There is no money owed to this company and it is not on my credit report. This has become harassment, company has been asked not to contact and still do. Midland credit Managment is attempting to get money from people who do not owe them anything.
Product: Debt collection

My wife and I were contacted by XXXX XXXX XXXX regarding a fake debt owed to a bank. Upon further investigation, there is no debt owed to the bank. CRS has threaten arrest to my wife and and doing even more investigation, CRS has been BANNED from ever collecting any debts per XXXX. We have also hired an attorney to take FULL, LEGAL ACTION against XXXX XXXX XXXX. This company has used vulgar language to us, impersonating law enforcement officers, as well as court officials. This calls started on XX/XX/XXXX and are also harassing family members.