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

XXXX client, XXXX XXXX is a victim of identity theft. She received an attempt to collect a debt related to this account established with XXXX XXXX in XXXX ; her information was used without her consent to establish this account. XXXX XXXX was cpontacted via phone and was told this account was fraudulent XX/XX/XXXX, a current reported amount of the account is {$6500.00} dollars was and still is being reported to XXXX XXXX XXXX XXXX credit bureaus. A police report was made concerning this account and that information was mailed certified with return receipt XX/XX/XXXX ( tracking number XXXX XXXX XXXX XXXX XXXX ) to the address listed on the credit reports for XXXX XXXX. This dispuite was received by XXXX XXXX XX/XX/XXXX at XXXX. My client received via mail, dated XX/XX/XXXX a XXXX XXXX affidavit, asking for the previously received and signed for FTC affidavit, police report and PII again as well as the XXXX XXXX   affidavit. This is a violation of the FCRA. Once the account was known fraudulent via the phone call XXXX XXXX had an obligation to send that affidavit and request for information to my client and they failed to do so. Now after the dispute information is received they are asking for an additional affidavit to be completed BEFORE they will conduct an investigation. THe request from XXXX XXXX has been honored and the request dispute information has been mailed again however ; under FCRA sec 611 ( a ) ( 1 ) ( 2 ) ;  XXXX XXXX already received the dispute information XX/XX/XXXX and so far the item of the account and collection have not been removed from the credit reports, this action is a violation of FCRA.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the persistent inaccuracies on my credit report, specifically related to incorrect addresses, late closure, charge-off, and unauthorized inquiries. Despite my repeated attempts to rectify these issues, they continue to negatively impact my creditworthiness and financial standing. 

I have identified the following issues on my credit report that have yet to be addressed : 1. My credit report displays several inaccurate addresses that have never been associated with me. The presence of these erroneous addresses on my credit report is both misleading and raises concerns about potential identity theft. I have previously requested their removal, but they persist. I insist that all incorrect addresses be promptly removed from my credit report. 


2. Accounts on my credit report are listed as " late closed, '' which is not accurate. This misrepresentation unfairly affects my credit score and ability to secure credit. I have previously disputed this, but the issue remains unresolved. I request the status of these accounts be corrected to accurately reflect their closure status. 

3. My credit report inaccurately indicates several charge-offs that are either outdated or simply incorrect. I have diligently worked to resolve outstanding debts, and some of these inaccuracies have already been addressed with the creditors involved. Despite my efforts, these inaccuracies persist. I request that the inaccurate charge-offs be updated or removed from my credit report to reflect the correct status of these accounts. 

4. I have noticed multiple unauthorized inquiries on my credit report that continue to be reported. These inquiries may be harming my credit score and financial prospects. Despite disputing their legitimacy, they remain on my report. I request an investigation into the necessity and validity of these inquiries, and any unauthorized or unjustified inquiries be removed from my credit report.

Maintaining an accurate credit report is essential for determining my financial stability and credibility. I have taken all necessary steps, provided documentation, and adhered to the dispute resolution process, but these issues persist. This situation is frustrating and has a severe impact on my financial well-being. 

I kindly request that you conduct an immediate and thorough investigation into the inaccuracies outlined in this letter and take the necessary steps to rectify them promptly. Please provide me with a written response within the 30-day time frame mandated by the Fair Credit Reporting Act ( FCRA ). Include details of the actions taken to address these inaccuracies and a copy of my updated credit report reflecting the corrections made. Kindly assist me to remove these following fraudulent items : XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX, XXXX XXXX  XXXX XX/XX/XXXXXXXX
Product: Credit card or prepaid card

This is a complaint regarding my Chase Freedom Unlimited Card in how a specific dispute was handled. A charge with the merchant " XXXX XXXX XXXX '' was disputed on my Chase Freedom Unlimited card on the basis of " Unsatisfactory Services Rendered ''. In Depth and comprehensive explanations with dates/times regarding this dispute can be found in the attached documentations submitted with this complaint. In summary, the merchant performed XXXX XXXX on my dog which XXXX XXXX   him. This is not only XXXX XXXX but also medical malpractice at its worst. My dog suffered a XXXX XXXX XXXX   due to this XXXX, which can be corroborated and factually verified through a statement provided by a fully licensed and practicing vet. I brought my dog to several different vets the following days after the XXXX XXXX occurred. 

XXXX XXXX XXXX XXXX, a Chase Executive employee handling this case stated to me that the vet " did not state that the XXXX XXXX was the cause of my dog 's XXXX. '' This statement by XXXX XXXX is 100 % false, a blatant lie, and a clear misrepresentation of the facts. In the SECOND letter written by the vet, XXXX XXXX, it clearly states that the vet, in his professional judgement, believes that the XXXX XXXX caused my dog 's XXXX XXXX XXXX XXXX. In MY SECOND letter, it clearly states that I brought my dog to XXXX XXXX 24 hours AFTER THE XXXX AT XXXX XXXX XXXX. 

As such, there is no ambiguity when it comes to exactly what happened. The second letter written by ME and XXXX XXXX, the licensed vet, is more than enough to establish guilt/wrongdoing on behalf of the merchant. I would like to state AGAIN OVER HERE, for the record, that I brought my DOG to XXXX XXXX APPROXIMATELY 24 HOURS AFTER THE XXXX XXXX TOOK PLACE AT XXXX XXXX XXXX. 

As all conversations are recorded, I have full verification of everything that was stated by XXXX XXXX and his attempts at defending the merchant when there is no evidence left to do so. Again, there is no ambiguity when it comes down to the facts and what took place. The vet clearly states, IN NO UNCERTAIN TERMS, that the XXXX XXXX was the cause of my dog 's horrendous XXXX. AGAIN, I BROUGHT MY DOG TO XXXX XXXX 24 HOURS AFTER THE XXXX XXXX  TOOK PLACE. This is also clearly stated within my second letter which will be submitted again, if necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my first complaint to Comenity Capital Bank they provide a response stating that the because the application was fraudulently submitted and that they would contact the credit bureau to have the inquiries removed. Then on my second complaint I asked Comenity Capital bank to contact the credit bureaus but they replied that they cant find the applications of the inquiries that I am talking about. The inquiries are Comenitycapital/XXXX  inquiry date is XX/XX/2018 and Comenitycapital/XXXX  inquiry date XX/XX/2018. Comenity Capital bank has asked me for the correspondence that the bank sent to me and that is what I am including with this third complaint.
Product: Checking or savings account

I told them that XXXX XXXX  is allowing criminals to steal from my checking account. They are making fradulent transactions. I also told them that I did not order this purchase, I told them them not to mail the purchase. Why was I mailed the purchase? I showed Citizensbank and Consumer Financial the emails, why did they renege on the refund? This was a duplicate purchase of {$170.00} on the same day. 

An item that I did not purchase for {$170.00}, on XX/XX/XXXX, was charged back to my account on XX/XX/XXXX. I told ( emailed ) XXXX XXXX and Citizensbank several times that I wanted to cancel this purchase on XX/XX/XXXX through XX/XX/XXXX, before the transaction posted to the account. Criminals hacking my phone number of XXXX XXXX XXXX refused to cancel the transaction. They told me that I had to let it post to the checking account. That comment did not make sense. There are several people copying my phone number so they wanted XXXX XXXX to deliver the package and ruin my checking account. I am so frustrated with people copying my phone number and talking to me over the phone. I can not make important calls to banks or creditors.Many of my relatives were XXXX this year and I rarely got to talk to them because criminals were intercepting the calls. 

XXXX XXXX instead delivered the package. After Citizensbank completed the, banking, transaction, anyway, I told XXXX XXXX XXXX to " please do not deliver the package,. " I was dealing with a financial hardship. A criminal pretending to be from XXXX even told me that he was not going to deliver the package They delivered the package anyway. Several criminals were lurking near my home during this time as my father was sick. The criminals must-have evaded my home, because several items were stolen during XXXX through XXXX. I was saddened and distraught. They took advantage of my father ' s home while he was ill. Recently, on XX/XX/XXXX, the purchase of {$170.00} was returned by Citizensbank. I keep trying to call XXXX  XXXX and Citizensbank, however, their are stalkers and criminals at XXXX, XXXX and some other people from XXXX or XXXX speaking countries, intercepting the calls, so that I am unable to speak with an authentic representative, from Citizensbank, to resolve the issue. I am not certain what is happening with my banking accounts, but, I believe that someone at XXXX, XXXX or XXXX is responsible for these crazy transactions that I am having now. Why they are harassing me? Why are they trying to ruin my life? Why are they stalking me? They might me be XXXX or have a mental problem.
Product: Mortgage

To Whom It May Concern, My name is XXXX XXXX, and I have been trying to work something out with my mortgage lender for about 3 months now and i constantly continue to request a short sale and the lender keeps saying that they do not have enough time to review the documentation that I have submitted, but they came back and countered my offer and when i give them a contract for the amount that they countered now, they do not have enough time to review. This is ridiculous, and I am reaching out to you to ensure that immediate attention is given to my concerns. I feel as if the lender is being unreasonable and I am desperate for help. I am trying my hardest to get this taken care of and they are not doing what the government says the lender should to provide me with foreclosure alternatives. I need your help. I need your assistance. I need for you to intervene and review my documentation for the short sale. I have a buyer, i have a good contract and a desire to get this done.
Product: Credit reporting or other personal consumer reports

I tried to resolve this issues couple times there are inflated amounts and incorrect dates and account that are not mines reporting on my Equifax report.
Product: Debt collection

Credit Adjustments, Inc out of  XXXX , Ohio has repeatedly been told that I dispute the claim of the debt they are calling about as well as to never call my business phone number again. They call at least twice a week and have not stopped. Today I emailed them through the   XXXX   XXXX   XXXX   XXXX   the following letter ( they do not have an email on their website ). It went to   XXXX   XXXX   who is listed as the president of the company :   XXXX   XXXX     XXXX    XXXX , 2017 Credit Adjustments, Inc.
To whom it may concern, I am responding to your contact about collecting a debt. You contacted me by phone, on  XXXX / XXXX /17at my place of business. I do not have any responsibility for the debt youre trying to collect.
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. This notice is in compliance with the Fair Debt Collection Practices Act and you are not permitted to contact me via  XXXX  at any time in the future in regard to this matter as that is a public line and others will have access to it. I have retained two copies of this letter and will be submitting one to the Ohio Attorney General if you persist as well as the Better Business Bureau.
Thank you for your cooperation. Sincerely,   XXXX   XXXX   XXXX
Product: Checking or savings account

I have been getting fees for subscriptions that overdraft my Green State Credit Union checking account. They offer a Card Control to turn your card off, but it does not work for overdrafts. Almost all my fees occur when my Card Control has the card turned off. That means {$35.00} fees for stuff that might cost less than half that, with no way of controlling. When I complained about the fees and inability to control them, they told me I should cancel all my subscriptions. I said they were predatory, they said I need to go in person to change anything. They then changed it without telling me. I asked who changed it and when, they would not tell me. I also got random fees without details for {$4.00} and {$3.00}. I asked them to tell me what they were for, they would not. XXXX from account resolutions would harass me about my account being negative, even though my fees were hundreds of dollars per month. They would only refund 1 per year. I also asked them what the OD fees are being used for and they would not tell me. They are preying on people who are financially unstable and harassing us to get back positive. I also have explained to them many times that I have been very ill for almost two years, and finishing a XXXX XXXX. I graduated in XXXX, but could not really start work because I was waiting for XXXX that was not scheduled. Once it was scheduled I got a job with employer who was understanding. I had my XXXX XX/XX/XXXX, was off for about 10 days. I then returned to work. This whole time I have explained myself to GSCC several times. They gave no exceptions. They even force deducted my minimum credit card payment after I explained to them I was short on rent, because of XXXX, and wanted to hold off, but would soon be able to make regular payments. The worst part is the games they p [ lay. They call and email and harass you, even knowing my health and financial situation. They even forced me to call them from work, and would not let me off the phone even after talking for some time and telling them that I was working and had to go. I set up mobile pantries in underserved communities giving food to people of need. My boss was waiting at the location, I was ot the office trying to leave. They kept me on the phone, would not answer my questions, and told me that if I paid my rent instead of my credit card payment they would deduct the money, which is what they did. This supposed credit union is predatory and should be scrutinized.
Product: Debt collection

B C Services Inc. A dept collection company for the hospital of XXXX wy has been calling me repeatedly over and over almost every day. Some times as late as XXXX. I am making a minimum payment of {$50.00} a month as to it's all I can afford to pay when I tell them that they ask why I cant afford to pay my bills. Why dont I have a job, they can only accept that payment for a short time. I am trying. It's a XXXX bill they want.
Product: Mortgage

We were behind on payments and entered a Chapter XXXX bankruptcy in XX/XX/2015. Our unpaid principal mortgage balance at the time was {$100000.00}. The total paid to Ocwen through the bankruptcy trustee was {$29000.00}. and when we exited the bankruptcy they said our principal balance is {$99000.00}. They can't or won't provide any information how the money was applied to the account or an explanation as to where the other {$21000.00} is. We recently applied for a modification and now they say they're adding arrears of {$16000.00} back in to the principal balance so our payments under the modification will be more than the regular payments.
Product: Credit card or prepaid card

I have informed Citi several months ago I could no longer make timely payments. Since my account has gone past due I have made countless attempts to negotiate a settlement to pay less than the full balance. I have been made aware of the tax implications and risks of this however, I can not afford to make monthly payment nor do I have the time to make ongoing phone calls. I am a XXXX XXXX XXXX and I make $ XXXX. I am seeking to settle for 50 % of what is owed within XXXX days. I have explained numerous times I can not afford monthly payments and they are not listening to me and stating " everything is system generated '' while I read online of the many other customers who have settled. The reason I became past due is because this credit card was taken out to help my family with some bills. My father the primary income earner became ill with XXXX stopped making payments. He has long term side effects causing him to be unable to work. He gave me some money to put towards this credit card and others but I can not afford to pay the balances in full. I am hoping your agency can help me get to a solution with Citi.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

The 3 Credit Bureaus XXXX, XXXX, and Equifax need to be held accountable for the injustices they have burdened me with. My credit report shows an account with The XXXX XXXX XXXX  ( Acct # XXXX... ) That is full of inaccurate information. If they are getting this information from the same data furnisher, then how is it that they all have different information being reported? My credit report has to be 100 % accurate, and 100 % consistent, and 100 % verifiable. XXXX ) The account status shows as Indeterminate. This account can either be Open or Closed NOT indeterminate. XXXX ) XXXX is reporting a balance of XXXX $ on a closed account that has evidently been purchased by another per the remarks associated with this account. XXXX ) If the account has been purchased by another lender, the Original Creditor can no longer report information of this account. XXXX ) The date last reported has different information reported between the three Bureaus, XXXX. Yet another inconsistency. XXXX ) the XXXX record of payment history is all jacked up, full of unfactual payment history. XX/XX/XXXX Equifax reported that I was 30 days late when XXXX shows that I paid on time, while XXXX holds no payment history at all. Again, in XXXX of XXXX Equifax reports me as XXXX late when XXXX shows I paid on time, no payment reported from XXXX. From XXXX of XXXX to XXXX of XXXX my payment history is reported Inconsistently ( See attachment ). My payments were never late, and the account is closed. These false and inaccurate late payments have tarnished my credit rating. I want this erroneous data deleted from my consumer profile immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against XXXX XXXX XXXX regarding the repossession of my vehicle, which I believe was conducted in violation of both state and federal laws, as well as the Uniform Commercial Code ( UCC ) 9-616. 

Background Information : Vehicle Make and Model : XXXX XXXX Account Number : XXXX Date of Repossession : XX/XX/year> According to XXXX XXXX, a secured party is required to send a written notification to the borrower after the sale or disposal of collateral ( in this case, my vehicle ). This notification must include : 1. The amount for which the collateral was sold. 
2. An explanation of how the deficiency balance was calculated. 
3. A statement of any surplus or remaining balance owed. 
I never received any such notification detailing the sale of my vehicle or an explanation of how the deficiency balance was determined. This failure to provide the required notice leads me to believe that either : No attempt was made to comply with the requirements of UCC 9-616, or The sale was conducted improperly and without transparency. 
Under UCC 9-616, if the secured party does not send proper notice, they forfeit the right to collect any deficiency balance. As a result, any attempt to collect or report a deficiency balance to credit bureaus is unlawful. 
In addition to the violation of UCC 9-616, the repossession of my vehicle appears to have been conducted in violation of state and federal laws regulating : Fair Debt Collection Practices Act ( FDCPA ) which prohibits misleading or unfair practices in debt collection. 
State-specific repossession laws which may require additional notices or procedures that were not followed. 
Since the dealership failed to send proper notice, they are not legally entitled to the deficiency balance. This also makes the reported repossession null and void, constituting an illegal repossession. 
I respectfully request that XXXX XXXX XXXX take the following actions immediately : 1. Cease all collection efforts related to the alleged deficiency balance. 
2. Withdraw any negative reports submitted to credit bureaus regarding the repossession and deficiency balance. 
3. Provide a written explanation of the actions taken in response to this complaint. 
4. Compensate for any damages resulting from this unlawful repossession and negative reporting.
Product: Credit reporting or other personal consumer reports

hello so i recently checked my credit report and noticed some hard inquiries that were not authorized by me and is totally incorrect. here is a list of the hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i have already made an FTC Report and this is the Report XXXX XXXX