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

XX/XX/XXXX Subject : Dispute of Collection Account for XXXX XXXX Dear Credit Bureau/Agency , I am writing to formally dispute the accuracy of the collection account entry listed on my credit report for the XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX account number XXXX XXXX the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Upon reviewing my credit report, I discovered that this account is marked as a collection, which negatively impacts my credit score. However, I believe this entry is inaccurate due to the following rea-sons : In XXXX I submitted a 30-day notice to the apartment management informing them that I had medical issues ( XXXX ) and I could not continue to stay at that apartment. I was renting with a roommate who stayed at the apartment following my leave. My roommate left the apartment right after I left and now this charge is showing negatively on my credit file. For the record, I am still battling XXXX as the XXXX has returned. This account is no longer mine. 
Based on the above, I respectfully request that you delete this collection account entry from my cred-it report for the following reasons : 1. Inaccuracy Under the Fair Credit Reporting Act : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to an accurate and complete credit report. Since this collection entry is inaccurate, it should be removed from my credit report. 
In light of the above, I request that you conduct a thorough investigation and delete this collection account entry from my credit report if the information can not be verified as accurate. Please provide me with written confirmation of the results of your investigation and any actions taken regarding this dispute. If you are unable to verify the accuracy of this information, I expect it to be promptly deleted from my credit file. 

Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

I received a mail offer for a 0 % balance transfer for a promotion period of 1 year. I went to my account and clicked the link for this transfer. I initiated the credit card transfer from XXXX to Navy Federal Credit union XX/XX/XXXXfor the amount of {$3500.00} and the entire amount was accepted. My statement endingXX/XX/XXXX had total activity amount of {$7500.00} which included the balance transfer amount. I figured if I paid all purchases for that statement which was due XX/XX/XXXX then there would be no interest accrual. I paid {$4100.00} but my actual purchases were {$4000.00}. I paid extra to put some toward the balance transfer balance. My statement ending XX/XX/XXXX had an interest charge of {$11.00} but I could not understand why. I contacted XXXX XXXX  XX/XX/XXXX to get some clarity but it made no sense so I sent a reply and further explanation on XX/XX/XXXX but I still had not received another response byXX/XX/XXXX so I decided to call. I explained as above about the interest and he said if my full statement balance had been paid then there would be no interest. The full statement balance included the balance transfer that was suppose to be 0 % interest for 1 year. I explained I transferred to avoid interest but instead still being charged interest. Ultimately I told him I wanted my {$11.00} and he agreed to credit ( it would show up in about 2-3 days ). He further explained interest would be charged again if the entire balance is not paid to include purchases and the balance transfer amount. Bottom line I found this to be a very sneaky way to charge interest because what is the point of 0 % interest balance transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer report has been improperly used and my rights have been violated. In accordance to 15 USC 6801, 6802, I was supposed to be given the appropriate notices to report anything on my Consumer Report, then be given the option to opt-in or optout of allowing that information to be reported to my consumer report and then given the exact process to be able to optout securely. 
1. XXXX XXXX 2. Community Loan Servicing I need for all of this information to be removed from my consumer report. In addition, there's one reporting in particular I never even heard from and they have not responded to the certified letter I sent them a month ago. They need to be removed from my consumer report as well. 
1. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was made aware of four accounts today XX/XX/19 on my credit report that do not belong to me. These accounts were opened by someone named XXXX XXXX without my permission. I was not part of anything involving these accounts nor did I benefit anything from them being open without my permission such as money, goods, services, or any other benefit. I also never made any payments towards these accounts nor purchases. Im not sure why or how that person got a hold of my personal information to open these accounts but I have already filed a police report in hopes of getting my credit reputation cleared up.
Product: Credit reporting or other personal consumer reports

In XXXX I disputed an account reported by [ XXXX XXXX XXXX ] in the file transunion maintain under my social security number. I was informed a month later that the item was deleted from my credit report. Now on XX/XX/XXXX I have discovered that the item has been reinserted on my credit report. In accordance with the requirements of the FRCA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 days. I received no such notification. This is a very serious violation of the FRCA, and I reserve the right to pursue legal action for your blatant disregard for the law. I been having major issues with transunion mishandling my credit file for a while now. As such I have been unable to gain access to credit.
Product: Checking or savings account

My account was closed by Wells Fargo because of fraud/identity theft detection. I lost my card before the incident but never frieze it or reported it missing because I still had my card connected to my XXXX XXXX. Someone got a hold of my card and got my account closed and now its really difficult for me to open a new account with someone else.
Product: Debt collection

I received a debt collection notice via usps mail from XXXX XXXX XXXX , XXXX. ( MCM ( XX/XX/2018 ) The original credititor is XXXX XXXX, original Acct num-XXXX. The MCM acct num is XXXX, the current balance is {$320.00}, the current owner is XXXX XXXX XXXX. I have neither received nor applied for credit from either of theses companies. I contacted MCM on XX/XX/2018 @ XXXX. The representative stated that the original creditor is XXXX. I have neither received nor applied for credit from this company either.
Product: Consumer Loan

I am automatic withdrawal for my monthly payment. There is plenty of money in the account to cover the payment. I see a {$52.00} late charge on my account. This can only be due to Wells Fargo mistake. I want the late charge removed. I have been on hold for 45 minutes waiting to talk to their agent. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX has violated my consumer 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. XXXX XXXX XXXX XXXX has also violated my consumer rights pursuant to The Gramm-Leach-Bliley Act which limits when a financial institution may disclose a consumer 's nonpublic personal information to nonaffiliated third parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am writing to delete the following information in my file : XXXX XXXX XXXX XXXX It shows that this account was opened in 2017. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. This unfortunate situation affected my credit status which leads to credit denials and higher interest rates.
Product: Credit reporting or other personal consumer reports

my first letter sent to Equifax was sent on XX/XX/23 and received on XX/XX/23 and sign by an Equifax representative disputing multiple inaccurate and incomplete items on my consumer report. here 's is the tracking number for the first letter sent certified mail. XXXX XXXX XXXX XXXX XXXX XXXX. I have also sent a second detailed dispute here is the tracking number XXXX XXXX XXXX XXXX XXXX XXXX letter sent on XX/XX/23 and received on XX/XX/23 by an Equifax representative. Since there was no investigation or reinvestigation has been conducted and none of the items/ and accounts weren't deleted due to multiple inaccurate fields and incomplete items being reported on my consumer report they are in violation of the fcra
Product: Credit reporting

THERE ARE NAMES ON MY REPORT THAT ARE NOT MY CORRECT NAME AND I HAVE NEVER USED THOSE NAMES. 
I HAVE ONLY USED THE NAMES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OTHER NAMES ARE NOT ME AND SHOULD NOT BE ON MY REPORT SAYING THAT AND I WOULD LIKE THEM TO BE REMOVED AND NOT USED AGAINST ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Credit Report Published as Company Info : XXXX  Account No - XXXX XXXX. Past Due- {$3800.00} XXXX. Last Payment XX/XX/XXXX XXXX. Account Verified XX/XX/XXXX I already contacted the Company on the Account and received inaccurate response. 

In Accordance with the Fair Credit Report Act XXXX XXXXXXXX XXXX Credit Card account XXXX violated my rights. 

15 U.S.C. 1681 Section 602 A 1 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 a account without my written instructions. 

Kindly delete the account. 

Thanks XXXX XXXX
Product: Debt collection

Got a letter in the mail from a debt collector says I owe {$640.00} through a XXXX account and I'm thinking this is not my debt can I have the original name and address of the original collector sent to me please
Product: Debt collection

They repeated keep calling my number which I habe not authorized and have told them they do not have authority to call this number. Also have called after XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX, has 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
Product: Debt collection

Debt owed to previous XXXX, original amount was {$4900.00} and amount was negotiated with the collection agency to {$3700.00}. I have made a few payments, {$1000.00} on XX/XX/XXXX and {$500.00} on XX/XX/XXXX making the balance owed {$2200.00} as of XX/XX/XXXX. Transworld Systems Inc is reporting to the credit bureaus that the balance owed is {$3400.00} which is inaccurate. I have spoke with them regarding this and they said that they don't take it off credit reports which I think is XXXX.
Product: Mortgage

I requested a removal of my escrow account XX/XX/XXXX and by the XXXX I was denied. I have 45 % equity in my home and have never paid a bill late. I own a local real-estate brokerage and am VERY familiar with how this works. My escrow holding keeps going up while the small increases in my taxes and insurance do not add up to what the increase is. I was NOT contacted to pay an escrow shortage to give me the options of keeping my payment I was just raised. My payment has gone from $ XXXX XXXX and something starting next month. I will spend this time shopping insurance rates and verifying with the city my assessed value. Also, I would like to add that Chase has yet to pay my taxes OR insurance on time ... ONCE. I just hung up with the city and my summer tax bill was due XX/XX/XXXX and was paid 18 days later causing my house to be on a foreclosure website. If consumers are to be held to perfection standards of on time payments and equity than financial institution should be as well. I want my escrow removed and I want to handle my own money.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX/DOFED Account Number : XXXX Account Name : XXXX/DOFED Account Number : XXXX Account Name : XXXX/DOFED Account Number : XXXX Account Name : XXXX/DOFED Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 a 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 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 information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and this is my 3rd attempt trying to obtain my consumer file & report from equifax and XXXX. I have uploaded a screen shot of this last attempt as well as proof of my identity. I am using the cfpb in hopes of obtaining my consumer file & report from equifax and XXXX
Product: Credit reporting or other personal consumer reports

1. In my previous complaints I was very specific about what happened, XXXX transferred my mortgage on XXXX XXXX. 
2 My Forbearance the remainder of my forbearance was paid by ACH to XXXX save on XXXX XXXX XXXX. XXXX reported my mortgage 30 to 90 days late while I was in forbearance. 
4. XXXX reported that I opened a new mortgage with hem, when in fact the same mortgage was just transferred from XXXX to XXXX. 
5. XXXX  fraudulent, unprofessional, deceptive and illegal practices ' have caused great damage to my credit score by dropping it over XXXX points. 
6. Am I the only customer that requested a hurricane XXXX forbearance? 
7. Why me? why the great maltreatment?, why the run around? Is there a greater deed behind it all?
Product: Credit reporting or other personal consumer reports

I recently received my credit report, and some inaccuracies are reported to my credit file. I am distressed because I gave Transunion, XXXX, and XXXX notice that they were unlawfully reporting inaccuracies to my file and my claim has been ignored. 
According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. When it comes to my credit report, I reserve the right to dispute any information that I deem to be inaccurate. I won't stand for any misinformation being associated with my name and financial history. If there's something on my credit report that doesn't seem right, credit reporting agencies can bet that I'll be taking action to get it removed. I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, credit reporting agencies must report any allegations with the greatest compliance and accuracy possible. If credit reporting agencies do report such claims, they could be subject to fines or other penalties.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX XXXX XXXX tax refund ( {$6800.00} ) was fraudulently deposited into Capital One National Assoc bank account ( CONA ). IRS Form 1040 was properly prepared and electronically filed in XXXX, XXXX. Someone, somewhere ( possibly within the IRS? ) accessed that transmission and illegally altered the Bank routing number and account number. Altered info : Routing # XXXX ; account # XXXX. This was NOT the info entered on the 1040 Form when filed. CONA was aware ( BFS Form 150.1 ) that name on deposit ( from IRS ), XXXX XXXX XXXX XXXX, DID NOT MATCH name on their account ( XXXX XXXX XXXX ). CONA was also aware of fraudulent activity on that account and advised they " were investigating. '' CONA accepted the deposit notwithstanding in violation of OCC regs. Per OCC, deposit should have been returned to IRS. OCC case # XXXX. CONA 's Consumer Protection and Fraud Dept ( XXXX. XXXX, XXXX, XXXX, XXXX, XXXX - XXXX XXXX ) directed XXXX to provide " Hold Harmless Letter '' as condition of returning the illegal deposit. Letter sent certified mail on XX/XX/XXXX and received by CONA on XX/XX/XXXX. CONA lied and claimed letter never received. Sailers have signed return receipt. CONA then refused to return illegally accepted funds and refused to communicate with Sailers. Sailers able to identify CONA account holder ( XXXX ) who admitted to the criminal acts, which conversation is recorded.
Product: Money transfer, virtual currency, or money service

I receive an annuity payment from XXXX XXXX in the XXXX which is deposited as a international wire transfer into my US Bank account each XXXX. The annual payment is for XXXX. When I received my first payment on XX/XX/2021, I received the dollar equivalent of {$4400.00}. This month on XX/XX/XXXX, I received the amount of {$3400.00} which is not I believe coincidentally the exact amount in pounds sterling that was deposited by XXXX XXXX. When I contacted US Bank about this on XX/XX/XXXX, they said they were unable and unwilling to tell me the exact amount that had been deposited in my account. I believe that US Bank has made an error in not converting the pounds sterling deposit they received into dollars. I have verified with XXXX XXXX that they made the deposit by international wire transfer this year as they had done last year. 

I have attached a cover letter from XXXX XXXX showing the details of the annuity payment and also a screenshot from US Bank showing the deposit amount in my account.
Product: Debt collection

My account was forwarded to a collection agency known as union adjustment after I filed for a chapter 13 bankruptcy, the XXXX account was included in my chapter 13 bankruptcy. XXXX continues to report my account as open, NOT included in bankruptcy and reporting that it is late. In addition, 1 year after filed for bankruptcy XXXX forwarded my account to a collection agency. This is a violation of bankruptcy laws.
Product: Mortgage

Wells Fargo never provided a Loan Modification Denial Letter. Please provide a denial letter if you claim you sent one. XXXX XXXX, XXXX, XXXX XXXX XXXX of WELLS FARGO, emailed Attorney XXXX XXXX of XXXX XXXX XXXX, stating " the Loss Mitigation Group is currently working on my matter. '' XXXX XXXX, XXXX, Attorney XXXX XXXX submitted my Loan Modification Hardship Letter to WELLS FARGO. XXXX XXXX, XXXX, I received a letter from Attorney XXXX XXXX that she has " successfully stopped foreclosure proceedings initiated by WELLS FARGO '', and has successfully secured a loan modification from my XXXX Lien Mortgage. It was stated to me that it only makes sense to secure a Loan Modification for all liens ; otherwise, securing only the XXXX Lien Mortgage defeats the purpose of saving my home. Why waste time on securing a Loan Modification for the XXXX Lien Mortgage, if the XXXX Lien is going to foreclose? The following is an exact account of how my Equity Line of Credit was mishandled by WELLS FARGO : Based on financial hardship, XXXX XXXX, XXXX, I took out a XXXX Lien Mortgage of {$250000.00} on my home. Upon closing, WELLS FARGO divided the XXXX Lien Mortgage into XXXX loans, which resulted in a XXXX and XXXX Lien Mortgage of {$170000.00} ( Loan # XXXX ) and {$75000.00} ( Loan # XXXX ). 
Unlike what the following demonstrates, XXXX XXXX, XXXX, my " Credit Report '' reflects only XXXX Corporate Assignment, " XXXX XXXX '', executed XXXX XXXX, value of {$160000.00}, Loan # XXXX, which was never mailed to me. Surprisingly, the amounts and loan numbers of my liens were changed to : Second Lien Position, $ XXXX/Loan # XXXX and XXXX Lien Position, $ XXXX Loan # XXXX ; therefore, I question the validity of the " XXXX XXXX XXXX Account ( XXXX ) Agreement and Disclosure Statement '' that Wells Fargo provided . The aforementioned demonstrates that the XXXX Agreement and Disclosure Statement provided by WELLS FARGO is not the document I signed upon closing. English is my XXXX language and I have evidence of being treated unfairly. Please provide me with the documents signed that reflect {$170000.00} and {$75000.00}. During the processing of the Loan Modification, I received letters from WELLS FARGO, stating, XXXX XXXX, XXXX, the XXXX and XXXX mortgages were charged off. Moreover, I received a letter from WELLS FARGO that my home was no longer in foreclosure ; I thought it was all over. I never received a Loan Modification denial letter, and I never received monthly statements anymore. Supposedly, Nine ( 9 ) months after the Charge-Off, XXXX XXXX, XXXX, WELLS FARGO executed a Corporate Assignment of Deed of Trust to XXXX XXXX, XXXX, non registered to do business in California, of the XXXX Lien Mortgage of {$160000.00}. XXXX XXXX, XXXX, as the New Loan Servicer, never gave me a statement requesting monthly payments.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain accounts listed on my credit report. Specifically, I am challenging the validity of these accounts as I have not been provided with adequate proof of the alleged debts.

Under the doctrine of estoppel by silence, as cited in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the absence of supplied proof allows me to presume that no such proof of the alleged debt exists. Therefore, I contend that these accounts should be removed from my credit report. 

The accounts in question are as follows : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX I request thaXXXX XXXX  initiate an investigation into these accounts and provide me with written confirmation that these accounts have been removed from my credit report. If you find that these accounts are indeed valid, please provide me with all documentation that substantiates the debts. 

Please consider this letter as my formal dispute under the Fair Credit Reporting Act ( FCRA ). I appreciate your prompt attention to this matter and look forward to your response. 

Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

I seek to confirm the correct name and mailing address for the registered agent who accepts summonses and complaints. I attempted to contact the customer service agents via XXXX but was either ignored or met with resistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian-XXXX XXXX  I have two creditors on my credit report that are charged off accounts. XXXX XXXX and XXXX XXXX. They both are over five years old. XXXX sent me a letter stating that they do not need to collect any money from me and will send a 1099 to my home. Which never happened. I sent the letter and filed a disbute complaint with the three bureaus and they wont remove or update my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is reporting data on my credit report that is simply not true, I have been a victim of id theft thanks to a data breach by another major credit bureau, Equifax is also reporting data that is false