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

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I XXXX regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Ive been a member of Credit Karma for years. Ive been denied by 3 lenders that they told me, Ive been pre-approved for. These inquiries made my credit score drop tremendously. Making it even more difficult to get approved for anything. They suggested I applied to improve my credit score, due to me not having a credit history. Now, its hard for me to do anything. This was false advertisement.
Product: Money transfer, virtual currency, or money service

I ordered a Tesla XXXX XXXX on XX/XX/23, received email notification to log in and create a Tesla Account. One of the questions is asking if I will be financing through Tesla Finance. I selected not Financing through Tesla, and ask for my checking account information. 

On XX/XX/23, the same day in the evening, I received a text on my phone to schedule for a delivery date. I scheduled the delivery date on Friday XX/XX/23. And asked to bring a cashier check ( no personal check ) on the day off the delivery. 

On XX/XX/23, My Bank sent $ XXXX to Tesla and Tesla also withdrew {$59000.00} from my bank account. Tesla over charged by $ XXXX, I am asking Tesla to return the $ XXXX back to my bank account. Tesla is saying it will take about XXXX to XXXX weeks for the check to be mail to me. 

On XX/XX/23, I picked up the car from Tesla, and was told they have expedited the return of the $ XXXX, it should received it within 5 Business days. However, they just told me it will take about 6 to 8 weeks for the check to be mail to me. This is unacceptable. 
I am seeking for compensation in loss interest and penalty.
Product: Debt collection

I continue to get phone calls from multiple different named companies claiming that I owe debt from XXXX in the form of a Barclays card. Stating I opened the account in NY. I have lived in Colorado since XXXX and have had no credit cards from Barclays. It does not show on any of my credit reports and I have not had unpaid debt in many years. These companies that call are either named XXXX XXXX, XXXX XXXX  or ( I forget the other one ). Each company has claimed that I owe anywhere from {$1100.00}, {$1300.00} or one saying it was over {$3000.00}. All claiming that if I make a payment of half the amount owed we would settle. I have asked for information in writing, or the original debt holders information so I could confirm the debt, however none of the companies would give out that information. Each company has threatened me with " legal action ''. My last correspondence w/ XXXX XXXX ( XX/XX/XXXX ), I stated that they should send me a judgement or " anything '' in writing. I have no problem paying a debt I owe, however it is unwise to pay someone money over the phone especially when I don't recognize the debt. Scariest of all, is they told me my FULL social security number. Not just the last 4 digits. I have since put fraud alert requests in w/ the credit bureaus. Ive called the company back and they will not give me their address, they said they have no website and will not give me any more information about themselves. I asked for the company 's full name and they said it is client services for recovery solutions. I've found no information about them on the internet.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under FCRA I am allowed an appropriate complete and accurate report. I have contacted Transunion by mail through the United States XXXX XXXX. For this dispute I have submitted the proper self identifying documentation ( State issued ID, and Utility Bill ). I have submitted this document several times and Transunion continues to send me stall letters staying they don't believe that it is me and " Will not move forward with the investigation. '' They claim they just mirror what is being furnished to them and that it is the creditors or collectors responsibility to provide accurate information to them. But if Transunion constantly denies me my right of an investigation then how will I possible handle this issue. These stall letters and telling me they wont do an investigation after receiving the appropriate documentation Is a VIOLATION under FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been multiple dates over the past 4 years. I've been trying to remove a delinquent account that is showing late payments but my husband and I no longer owe the company. We had a lawsuit against them and received a letter from our lawyer that shows we no longer owe anything, but Experian insists on keeping it on our credit report and letting it destroy our credit score. I'm considering a lawsuit against Experian next. This has gotten way out of hand.
Product: Debt collection

XX/XX/2022 Enhance Recovery Company trying to charge me {$670.00} for someone using my identity to put a cable bill in my name that I had no clue about. I reach out to them to get it resolved and I cant seem to get the response I need.
Product: Credit reporting, credit repair services, or other personal consumer reports

*Latter mailed to Transunion dated XX/XX/XXXX for account XXXX XXXX XXXX XXXXXXXX Your company continues to manipulate information listed on my credit report. You've removed payments from my payment history. Also you listed this account closed as of XX/XX/XXXX then re-opened as if this is an active account. What month was the vehicle in question " repossessed ''? This is also not listed on the report. If this account is charged off why are you listing it as open and active with an active payment history? Provide me with the full and correct payment history. Advised the correct date of first delinquency, provide the estimated date of removal of this account. Please do not send me a letter stated that this if was verified with the data furnisher, this will not suffice. Provide me with documentation that the data furnisher is providing. This is a clear violation of the FCRA as you continue to falsely manipulate the statue of limitation. Please remove this account from my report and provide me with an updated credit report by mail. * XX/XX/XXXX, I receive notification that may dispute was completed. The account was updated not changes were made. Besides the XXXX  date being manipulated to show XX/XX/XXXX, the charge off account status as Active and dispute status as Account not disputed. All of which are a clear violation of the FCRA. Ive been requesting proof of how this account is being verified for going on two years now and this company will not furnish me with said documents.
Product: Checking or savings account

On XX/XX/2023, I transferred XXXX  via Bill pay from my XXXX XXXXXXXX Bank checking account to my Capital One checking account in order to be able to pay my Capital One credit card. This check was deposited by Capital One on XX/XX/2023 and debited to my XXXX XXXX account ( first attachment page ). However, the money was not credited to either my Capital One checking or credit card accounts or returned to me. We unsuccessfully tried to resolve this dispute over the phone with Capital One and they told us the problem was with XXXX XXXX Bank. When we discussed what had happened with XXXX XXXX, they were very concerned about possible fraud within Capital One. We then went to a Capital One branch in XXXX on XX/XX/2023 and spoke with a XXXX XXXX ' XXXX XXXX XXXX XXXX XXXX XXXX was able to pull the deposited check on her computer! ( second attachment page without right-handed stamp on the reverse ). XXXX XXXX stated they would investigate where the check was deposited and gave us a Claim Number XXXX. After numerous phone inquiries from that visit to the present, Capital One is unable to provide any new information and only states that they need more time to evaluate where the check was deposited. To date, there has been no additional deposit to our Capital One accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notice multiple late payments on my department of education, XXXX  student loan account. I have been a XXXX XXXX XXXX at XXXX XXXX XXXX University. My account is deferred until I graduate. There is no way I should have any late payments associated with my account. Please remove them immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Checking or savings account

PNC Bank was made aware of fraudulent charges on my account. I requested several transactions be disputed specifically two charges for XXXX each ran as a credit card one day apart. I contacted the merchant i was made aware an individual attempted to charge a payment for {$7500.00} however, due to the daily limit, it would not process. He provided the card to be ran as a credit card in two separate increments I did not give authorization of the charge I did not speak with somebody nor did somebody from their office reach out to me. Due to the service paid for with the card, the merchant was unable to do anything and advised It would have to be done directly with the bank. Disputes were open for those two transactions amongst several others the bank responded fairly quickly with not even taking consideration they were unauthorized, I then spoke with an individual who stated I need to file a police report and provide the report number and open another dispute. At that point I went into the bank and closed the account and provided all of the information for the dispute, including the report number I did receive, basic general responses on some of the transactions advising their research did not Result in a reversal. However, I never received a response on the two {$3700.00} charges. I did speak with the bank and made sure that they were aware that since the transaction was process of the credit card it could be Disputed up to a year. I have continue to reach out to the bank and provide any information they need or inquire what I can do to assist their investigation. My understanding that all the disputes are closed and PNC refuses to acknowledge the unauthorized charges. I've since opened a new account to avoid issues in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the victim of identity theft. Proven in court and by the FBI. Fingerprints did not match. 
Experian credit reporting has broken the law, specifically section 605B of the FCRA. 
Experian removed a fraudulent account back on XX/XX/2019, which was XXXX XXXX XXXX. I contacted XXXX XXXX to get my social security number out of their system. Instead of removing my info, they changed the fraudulent account information to mine, including my name and address and other info, illegally. Address I never lived at, a name I never used. Experian is guilty and they claimed to have investigated this, and that the account removed 2 years ago, now is verified as mine. Lies and harm heaped on me.
Product: Credit reporting or other personal consumer reports

The company is reporting fraudulent inaccurate information on my credit report. This account shows up as a charge off. The company is in possession of the car and I was never received a XXXX cancellation of debt form after I requested the XXXX form XXXX times.
Product: Debt collection

I was contacted by someone on XX/XX/XXXX saying they were trying to serve me with court papers. When I asked in regards to what they gave me a 1 ( 877 ) phone number and case number and told me to contact them. When I did I was connected with someone saying they were a legal aid with Lewis , McDonnell & associates, and were trying to serve me with papers for a XXXX debt saying I owed $ XXXX+ with interest. I told them I had no idea about this and he said that if I did not set up arrangements that day I would be charged with theft that would go on my record permanently and I would have a judgment placed against me. I told him I was going through a divorce at that time and several things should have been handled by my ex and this is the first of me hearing about this in 6 years. He said he could only extend the offer to me while on the phone but if I didnt set something up not only would I be charged with theft but I would be responsible for process server fee as well as attorney fees on top of the debt that had been occurring interest. I panicked and set up a payment plan because he said he could not give me anymore time because they had sent a letter out to an address I told him I had not lived at since XXXX. After speaking with people about this they said it sounds like a scare tactic and I should report it.
Product: Mortgage

Ditech Financial has been adding unexplainable amounts to my mortgage and now that I was transferred to XXXX, they continue to send unexplainable charges and refuse to talk to me now that I was transferred to XXXX XXXX. Looking back on an activity record XXXX sent to me, in XXXX, XXXX, the balance of my mortgage was XXXX, they added XXXX taking it back up to XXXX with transaction note of " BK Cost Assess ''. I noticed this transaction as I was disputing a recent XXXX fee Ditech sent to XXXX to collect with no explanation. In addition to that, the added a {$15.00} charge claiming someone had to come and see if the property was occupied when I communicated with them often. XXXX can not explain it, Ditech will not communicate with this company or myself but yet, I am required to pay it. I have paid more than XXXX= on this XXXX home and they continue to gouge adding fees from XXXXe to Ditect, rolling over to XXXX. Young and desperate for a home, I was not keeping up with my balance until I took my finances seriously. When they send the bill, I paid, no questions putting my trust in them. Please review and assist in this matter or advise on what steps I should take to resolve this issue. Thanks.
Product: Debt collection

Portfolio Recovery Associates , LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX VA To : The Office of Registered Agent for Portfolio Recovery Associates , LLC From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX XXXX are authorized to administrate ( acting trustee ) on my name, XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The Better Business Bureau. You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation for Monetary damages.
Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you!

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 

By : XXXX XXXX XXXX
Product: Debt collection

I sent a verification of debt letter to this collection agency and never received a response for the requested docume nts such as and limited to : 1 ) Agreements authorizing Resurgent to collect this debt with the creditor. 2 ) Agreements with my signature assuming said debt 3 ) Valid copies of the debt 4 ) Proof status of limitation has not expired 5 ) Complete payment history along with other charges applied 6 ) show licensing to collect d ebt in my state 7 ) license number and registered agent I have been waiting for over a month and no answer as of yet, I also claim this debt is not mine after legal action. to which I am bound not to discuss and the claimed debit is grossly inaccurate. I was never informed of this debt prior to reporting it or that it would be reported. This claim of debt needs to be addressed prior to futher legal action is taken
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$240.00}, XXXX XXXX Balance : {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I pay Equifax for a monthly service to investigate and manage my credit. This service allows me to request my Equifax credit score at any time without a credit score penalty and to occasionally request results from the other  XXXX  reporting agencies.     Recently, at  XXXX / XXXX /  XXXX    XXXX    XXXX   XXXX   XXXX   requested my credit score form Equifax and it was reported as  XXXX . When I learned of this today, I immediately went into my Equifax account and looked at my credit score and it was reported as  XXXX . I then requested scores from the other  XXXX  agencies and they were :   XXXX    XXXX   XXXX   XXXX  So even an average of these scores would be  XXXX  and yet Equifax reported my credit score to  XXXX  as  XXXX . When I called Equifax, they explained that the bank can specify it 's own " scoring model '' over which they had no control, despite the fact that the report comes directly from Equifax. When I asked if I could change t he " scoring model '' used for  my reports from Equifax, I was told I can not, thus preventing me from exercising my legal right to my credit score, free or otherwise.     Clearly, this represents behavior bordering on the fraudulent and Equifax  ( an d presumably other reporting agencies ) need to be brought to task or Americans will never have en effective way to navigate this ridiculous  XXXX  system of credit scoring.     I look forward to some kind of resolution. I 'm happy to provide documentation but it has my name on it which you 've suggested I should not include. Let me know if I can get it to you.   Thank you
Product: Credit reporting or other personal consumer reports

I am a known victim of identity theft. I have already reported this information to law enforcement, the credit bureaus as well as the creditos. I did the whole process right, and sent off letts with my IDs and the reports. It has been several months and I have heard NOTHING back except that XXXX corrected a few addresses the thieves used. Please can you assist ne with this mess? It is ruining my life!!
Product: Mortgage

Rushmore Loan Management Services keeps provided incorrect information : For the in-process modifications that XXXX  XXXX XXXX XXXX XXXX recognize, the company gave incorrect information to certain consumers about their unpaid balances, payment due dates, interest rates, monthly payment amounts, and delinquency statuses
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ) to contest the presence of incorrect and faulty accounts on my credit report. As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any incorrect or incomplete information on my credit report. Upon reviewing my credit report, I have discovered several accounts that contain inaccurate or erroneous information. The accounts I am disputing are : XXXX XXXX XXXX Balance Owed : {$800.00} DEPTEDXXXX XXXX Balance Owed : {$29000.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$12000.00} XXXXXXXX XXXX XXXX Balance Owed : {$5800.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$9900.00} CXXXX XXXX XXXXXXXX Balance Owed : {$820.00}. The information in these accounts is incorrect and does not accurately represent my credit history. I request that you investigate this matter and correct any inaccuracies found. The FCRA 's section 611 mandates credit bureaus to investigate disputes within 30 days of receiving them and correct any inaccuracies found. Additionally, section 609 of the FCRA requires credit bureaus to provide consumers with a free copy of their credit report if their dispute results in a change to their credit file.