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

Hello, my name is XXXX. I received a phone call from a debt collector a few weeks about attempting to close an account for non payment. They were really rude and disgusting and threatening me. I informed them I had no clue what they were talking about, as I did not open any accounts with them. After this phone call. I found out that there are more accounts and that I am a victim of Identity theft. I couldn't believe that someone would do this to me. I am a XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and to find out I have this now on my list is really XXXX breaking. I contacted the company about these accounts and they have not deleted these items. I am asking that you please deleted these items off my credit report. I did not make the charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that the XXXX XXXX Accounts on my credit report were reporting different information for all three credit bureaus. The inconsistent and inaccurate information ranged from different dates for the last payment, last activity, account status and more. I sent 5 letters to all 3 credit bureaus requesting they investigate the inaccuracies on the XXXX XXXX XXXX. Equifax has failed to respond to any of my requests. 

I sent a letter to XXXX, XXXX and Equifax on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX requesting they do an investigation to ensure the accounts were reporting accurately ( letters attached ). 

XXXX is reporting in the balance history a balance of {$16000.00} starting in XX/XX/XXXX. They are also reporting that in XX/XX/XXXX a {$50.00} payment was made. However, the months to follow still show a balance of {$16000.00}. How is that possible? Why are they saying I made a payment? And if I did make a payment why is the balance still the same? I pointed this out in my last letter and they came back with the account being verified as accurate ( see XXXX error attachment ). XXXX and Equifax is reporting the same balance. 

XXXX responded back XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX verifying the accounts as accurate ( see attached ) XXXX responded back XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX verifying the accounts as accurate ( see attached ) and XX/XX/XXXX questioning my identity. 

Equifax has not responded to any of my letters.
Product: Vehicle loan or lease

I purchased a new SUV. I am XXXX years old. At the signing of the contract I was told my interest rate would be 2.99 % with auto deposit for 63 months. I now see the interest rate is 4.29 %. Also, at signing of the contract i was told their was no LIFT. I did not know that meant you would have to open the trunk manually. Here I stood befoe a salesman I told I need a car that is easy for a senior to operate and use. I am XXXX tall. I can not even close the trunk after i open it. I went back to the XXXX dealership and they told me their was nothing they could do. That model does not come with a LIFT nor is it companible to have one installed by them or a private dealer. It is a 2023 who would think there is no automatic trunk at {$38000.00} dollars???? 

I believe I was scammed and not given the correct information when I bought this vehicle. Now I find even the interest rate isn't even what they told me it would be. I have my contract for review if needed. 

That salesman is not longer with the company. I would like you to look into why he is no longer with the company. 

Any help you can give me to resolve this unhappy problem would be appreciated. I have never filed a complaint againt anyone and I stongly belive that XXXX in all scopes is not a reputable company to do business with. They need to be stopped before they scam any other unsuspecting senior citizens. 

Thank you, XXXX XXXX
Product: Debt collection

My research indicates that I was overcharged for the medical service rendered. My insurance company already paid more than the fair market value of the services rendered. Do these medical conglomerates just get to charge senior  citizens living on social security whatever they want?
Product: Credit card

I received a letter from Synchrony Bank stating they were closing my XXXX card. I have been using this card since XXXX of XXXX  with no issue. Ive spent upwards of XXXX on XXXX and I often use my card to make purchases. I have NEVER missed a payment. At the time when I first got the card my credit was rocky but they still opened the card and I have always made payment on time which is reflected in my credit history. I recently took out a HELOC and paid all of my credit card debt off right before XXXX. This card was also paid off. Some charges continue to be on the card that I do not necessarily recognize which I am handling with XXXX directly. Synchrony stated that they have a high risk of non payment noted for me which again is a strange reason considering they have never gone unpaid and again, my card is paid in full. There may be a XXXX balance if its not reflected as I paid this off yesterday. This is from yet another subscription charge though I have no subscriptions with them. Again, I am seeking help through XXXX for this per synchronys advisement. I am not sure how or why they would close my account despite an excellent payment history. I can only think that Synchrony who gave me a card when I was down and then closed it now that Im making significantly more money tries to prey on consumers and I will not hesitate to blast this to everyone. I am hoping this can be resolved before I need to take these measures and would like my account to remain open. Thanks! Please see the attached documents for proof that my credit card accounts are all in good standing and have all been paid off aside from the ones that havent been reported to the credit bureau yet due to payment being made less than a month ago. I did include mt XXXX statement so you can see that though per XXXX XXXX my balance is XXXX, this was paid in full in XXXX and reflects on my XXXX synchrony account as only owing XXXX which a payment was made yesterday. Thanks again.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complete violation of my privacy.
Product: Debt collection

I called the collection agency 's office phone number on Friday, XX/XX/year>, ( XXXXXXXX XXXX  XXXX ) and spoke with XXXX XXXX. I explained that I have been receiving text messages from the collection agency stating I had an outstanding balance which they were working to collect. I told her that I clicked on the link in the messages, and it pulled up a page saying " Welcome, XXXX, '' and asked me to enter my ZIP Code. I did not enter my zip code and instead click " this is not me '' I informed the representative that my name is not XXXX and my brother 's name is XXXX. I requested that they remove my contact information and to stop contacting me, as I am not responsible for the debt. The representative said that they would no longer contact me. I asked them to confirm they have the correct phone number and that they would stop contacting me. I also asked for a reference number for the call, but they said they would not provide one. 

Link from Credit Management , LP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX & XXXX The Offices of Credit Management , LP XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX TX XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I notice XXXXXXXX XXXX, XXXX XXXX and XXXX XXXX on my credit all of them are fraud/ID theft, XXXX XXXX was removed then after 1 year they added it back as a charged off, XXXX I contacted and XXXX XXXX as well they are vary rude and dont care, I disputed it with the credit and they dont care I even sent police reports and ID theft paper and Fair credit reporting paper they dont care I need it removed now due to fraud
Product: Student loan

I decided to sign up for automatic debit payments for my monthly student loan payments through the XXXX website. I applied and then the next time I logged in to my account, I noticed that the amount due said {$0.00}. I called and was told that I was put on an automatic forbearance when I applied for their automatic debit payment system. I do not recall that being disclosed anywhere when I signed up. I asked if this forbearance was going towards my total amount of forbearance available on my loans and whether the interest was being capitalized and the representative stated no. Therefore, my XXXX payment is now in forbearance and being skipped, for purposes of a payment as well as for my 120 payments for the Public Sector Loan Forgiveness, delaying my eligibility. Also, no where on the website where I log in to view my account does it state that my account is in forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subj : XXXX XXXX Dispute Date : XX/XX/2020 Property : XXXX XXXX XXXX XXXX   Loan No : VA Loan XXXX As a result of Refinance Cancellation To Whom it XXXX concern : I am disputing late payment issued By Freedom Mortgage for the amount of {$3300.00}. I have a letter from Freedom Mortgage dated XX/XX/2020 the day my Refinance was revered from VA Loan # XXXX to VA Loan XXXX ; that I had one payment overdue. I made an electronic payment as directed by them until they revered my XXXX payment and once it was received they would retro act my payment for XX/XX/XXXX, which they did not. This conversation took place on XX/XX/2020 and it was confirmed by email with XXXX XXXX, Freedom Mortgage Customer Care department. I have tried to reach out to Freedom Mortgage Corporation on several occasions, with no positive results. This is the assistance I had received from them. 

Freedom Mortgage ( FM ) reported to the Credit Bureau for two late months delay, on the contrary my mortgage payment was 12 days early in XXXX and 2 days before final due day in XXXX. ( Please reference bank statement and Freedom Mortgage website snap shot ) Background : The documents will show that house payments were submitted on time. In the process of refinancing and cancellation of the refinance the refinance I believe had lack of communication among their corporation. The refinance department did not communicate with billing or customer care department. I made dozen of calls and I have emails from the refinance that had assure me that the reverse refinance would be completed and my XXXX house payment will be retroactive XX/XX/XXXX to match what shows on the record. 

I have included supporting documents from my bank statement, Freedom Mortgage monthly statement, which shows that Freedom Mortgage clearly accepted payment. I have also included a screen shot from Freedom Mortgage Corporation website that show payment dates funds were accepted. 

I have several calls, emails, since XX/XX/XXXX trying to communicate and resolve this dilemma on my own and as a results the company ruined my XXXX XXXX without no cause. Freedom Mortgage falsely reported late payment to the Credit Bureau. I am a VA XXXX member of the XXXX XXXX with an impeccable record and would like to restore my excellent standards. 

I received a call today from Freedom Mortgage Corporation, Escalation Department from XXXX Agent No. XXXX today and told me she will be escalating my issue to the Credit Bureau to see if they can reverse the bad credit. They took accountability of their error and they said they would try to work with you. This is why I am reaching out to you as a Military Surviving spouse of a XXXX   military member. Please advise what else I can do to restore my XXXX XXXX XXXX. I can provide contacts and email that would validate that I have tried to reached out for help. Thank you. 

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

In accordance with the Fair Credit Reporting act 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: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX XXXX. I am writing to delete the following information in my file. The items I to be need to delete are listed in the report. I am a victim of identity theft and I did not make the charge. I am trying to get a new card and these items reported wont get me approved. I am asking the items be deleted to correct my report. I have reported the theft of my identity to the Federal Trade Commission and I also have enclosed a copy of the Federal Tade Commissions Identity Theft Affidavits. Please delete the items as soon as possible.
Product: Mortgage

I received a letter from Wells Fargo stating that my mortgage acct would be unavailable from XXXX XXXX due to them changing, not closing, my loan number due to new system and increased security. I paid my mortgage as I usually do when it became available again on XXXX XXXX, 2016. A few days later, I was looking at my credit report and noticed that my credit score had dropped. When looking into this, Wells Fargo had reported negative information to XXXX as my mortgage had closed or been transferred/sold. This is now listed as a " closed '' account and also a negative report on XXXX. I contacted Wells Fargo and explained this to them and they asked me to fax them the proof of the negativity, and I did. A few days later I was contacted by them and told they never received it, but I ensured them that I had the fax report that showed they received it. They explained it was the wrong number, even tho it was sent to the number they gave me. They now want me to resubmit to another number and then they will look into it. When contacting them I feel as if I am given the run around and nothing is being resolved. They continue to come up with obstacles to get this " resolved ''. It shows that I have two mortgages with Wells Fargo, one closed on XXXX/XXXX/2016 and one open, and I do not now, and have never had 2 mortgage accounts with Wells Fargo. Please help me get this removed from my credit.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to dispute the reporting of a collection account by XXXX XXXX XXXX XXXX on my credit report. It is impossible for this account to have been verified because a CFPB complaint was sent to XXXX XXXX XXXX on XX/XX/year>, and they failed to validate this alleged account. 

The response provided by your bureau to my prior dispute was insufficient. This collection account remains inaccurate and unverified. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to validation of any alleged debt reported on my credit file. 

Despite my requests, the following critical items have not been provided by XXXX XXXX XXXX : An explanation of the alleged account balance, including a complete XXXX XXXX and payment history. Documentation showing my agreement to this debt, including my signature and authorization for you to report this information. Proof of a valid agreement authorizing XXXX XXXX XXXX to collect this debt. Evidence of their state license to operate and collect debts in my state. The original promissory note and chain of custody for this account. The purchase agreement showing how and why my information was obtained without consent. This lack of documentation raises concerns about the legitimacy of this account and the accuracy of its reporting. Additionally, XXXX XXXX XXXX appears to be in violation of 15 U.S. Code 1692j, furnishing deceptive forms to create a false belief of participation in the collection of this debt, which I have not authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, I called Merchants Preferred Lease-Purchase Services several times, and I did not get a concrete answer or solution to my issue. In XXXX, I called and planed an automatic additional payment of {$150.00} of my agreement. The initial agreement was for {$1000.00}, including {$49.00} that I paid when I received the agreement. On XX/XX/XXXX I called to finish paying the outstanding balance of {$270.00} ( amount indicated by the company by phone on the previous call ). I made six payments in addition to the first one of XXXX XXXX already mentioned, so I paid a total amount of XXXX .
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When I called to make the final payment, they told me that my final payment date was actually on the XXXX, not XXXX, the one thing that neither agrees with the information previously received, nor with the e-mail sent by you. The email sent by you onXX/XX/XXXX indicates that the recurring fee would be deducted on XX/XX/XXXX, so It is not consistent with the date they previously mentioned. In addition, in my agreement the first payment wasXX/XX/XXXX. <P/> I contacted them not only by e-mail, but by phone a lot of time, and they always told me that the supervisor would contact me, which never happened. They told me that they would check my calls to verify the information they had been giving to me, however I never received that call. On XX/XX/XXXX ( yesterday ) they called to advise that I have to pay more.
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I sent letters to them, which I am attaching to my complaint, however I never received response.
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I have been not only punctual in my payments, but also I program additional payments with anticipation. I am a responsible person with my debts and my obligations and my intention is to keep myself as such.
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For all the reasons stated above, I requested a stop payment on my bank and They are NOT authorized by me to debit any other payment from my bank account.
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I have been waiting for their e-mail or call, since XX/XX/XXXX. <P/>
Thank you
Product: Debt collection

XXXX XXXX keeps adding delinquent accounts to my credit report of which I do not owe. In the past XXXX months I have disputed XXXX set of multiple debts they have claimed that I owe only to have them removed and then another set ( XXXX to XXXX  debts ) added at a later date. They have resubmitted the same debt again, the same debt multiple times and never once notified me of the debt owed or any specifics to the account. I have never received any request by mail. They are currently claiming the following debts : {$180.00} opened XXXX {$290.00} opened XXXX {$290.00} opened XXXX I have already disputed these debts multiple times via XXXX XXXX and had them removed, only to have them placed back on my credit report months later...
Product: Mortgage

This is in response to the company 's response. 


An appraisal was performed by another company and the appraisal was returned to be {$500000.00}. How can an appraisal be so different from your bank and from a new loan company? This is why discrimination is being asserted, because no additional work had been performed on the property. And, XXXX XXXX came to the property and spoke with me. He asked questions of me that I did not feel appropriate to ask in regards to, " why am I building a house this size? '' What does that have to do with my loan and who I am? The appraisal is included. I would like to have a review of my loan performed by an outside company, a mediator to resolve this issue. Yes, I admitted to wrongdoing, but that house was worth much more than your first or second appraisal received. I have a copy of the appraisal stating the {$500000.00} I would be more than happy to share. XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Information on Consumer Report To Whom It May Concern, I am writing to formally dispute the accuracy of specific information in my consumer report prepared and maintained by your company. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), you are required to reinvestigate disputed information and correct or delete any data that can not be verified as accurate. 

Details of Dispute Account Name/Number : [ XXXX XXXX XXXX XXXX of Dispute : Date account opened, last date reported, date last active, and the date of the last payment received are all inaccurate I believe this information is inaccurate for the following reasons : It is being reported by TransUnion that the account was opened on XX/XX/XXXX but being reported that it was opened on XX/XX/XXXX by XXXX. 

Legal Basis for Dispute Under the FCRA : 1. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : You are required to conduct a reasonable reinvestigation of the disputed information to determine its accuracy.

2. 15 U.S.C. 1681i ( a ) ( 5 ) : If the disputed information can not be verified, it must be corrected or deleted promptly.

Furthermore, case law has clarified the duties of CRAs in disputes : - XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ) : The court emphasized the CRA 's obligation to conduct a reasonable investigation, especially when a consumer provides supporting evidence. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ) : Reinforces that CRAs must ensure the maximum possible accuracy of consumer reports as mandated by 15 U.S.C. 1681e ( b ). 
- XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ) : Established that a CRA 's failure to conduct a reasonable investigation constitutes a violation of the FCRA. 

Request for Resolution I request that you : 1. Conduct a reinvestigation of the disputed information in compliance with 15 U.S.C. 1681i ( a ).

2. Delete or correct any inaccurate or unverifiable information.

3. Provide me with a written response detailing the results of your reinvestigation, as required by 15 U.S.C. 1681i ( a ) ( 6 ), including the name and contact information of the furnisher of the disputed information.

Please respond to this dispute within the 30-day timeframe specified by the FCRA. Failure to comply may result in legal action, as provided under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance. 

Thank you for your prompt attention to this matter. Should you require additional information, feel free to contact me at [ XXXX ] or [ XXXX ]. 

Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX date ; XX/XX/year> Experian XXXX XXXX, and XXXX have violated my rights once again I am here today. and, I am requesting these closed accounts to be removed Account name : XXXX XXXX XXXX XXXX date open XXXX account number XXXX, XXXX XXXX XXXX XXXX date opened XXXX account # XXXX, XXXX XXXX XXXX XXXX opened XXXX account number XXXX, XXXX XXXX XXXX XXXX opened XXXX XXXX # XXXX, and XXXX # XXXX, These accounts are also showing late payments which are actually illegal i don't understand why you were reporting these late payments they have not contacted me back when I wrote you guys in a letter explain them to you that I was never late on any payments.. The only way a corporation can possibly report a payment as late falls under 15 U.S. Code 1666b - Timing of payments. The FCRA 15 USC 1681a, 15 USC 1681s-2, 15 USC 1681n and Timing of payments 15 USC 1666b , Consumer request the Deletion of all transactions listed as late on their consumer reports. I have given you more than 30 days to rectify the situation and fix an update your systems to reflect 100 % accurate information You have failed to do so you have failed to write me back within the time. And I will be seeking professional representation of the small claims court if the matter is not solved today. Either way I am prepared.