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

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX Balance : {$84.00} ; XXXX  XXXX XXXX Balance : {$250.00} ; XXXX  XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$480.00} ; XXXX XXXX XXXX XXXX Balance : {$41000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXXXXXX Balance : {$2200.00} ; XXXX XXXX XXXX XXXX XXXX : {$840.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Creditor : XXXX ) XXXX Balance : {$3300.00} ; XXXX  XXXX XXXX ( Original Creditor : PROGRESSIVE ) XXXX Balance : {$580.00} ; XXXX & XXXX XXXX XXXX Creditor : XXXX  ) XXXX Balance : {$2400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$110.00} ; XXXX  XX/XX/2022 ; XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. Amount, XXXX. 

This account do not belong to me, I do not have contract with this company, Its inaccurate. It is not my debt. I am not responsible for something that do not belong to me.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to follow up on my previous communications regarding the removal of fraudulent items from my credit report. This marks the many formal attempt to address this critical matter. 

Despite my persistent efforts and numerous requests, the fraudulent transactions remain unresolved, causing significant distress and affecting my financial credibility. It is imperative that these unauthorized entries are promptly removed from my credit report to ensure its accuracy and integrity. 

I urge you to take immediate action to rectify this matter and provide me with confirmation once the fraudulent items have been successfully removed. Additionally, I request regular updates on the progress of the removal process to ensure timely resolution. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following accounts are claiming to both own the same debt with a balance. As you know, this is not possible and also a violation of my rights. Because of this, BOTH accounts need to be removed from my credit report immediately due to not properly validating the information in which a company has passed to you. Please delete immediately. 
When the requested above deletions are made, please mail me an updated copy of my credit report Account XXXX : ( Experian ) ( XXXX ) Account XXXX : ( Equifax ) ( XXXX )
Product: Mortgage

I did file complaint XXXX .Welles Fargo are not resolving the issues and instead they are not looking at the whole issues. 
Per their letter dated XXXX XXXX XXXX the line of Credit Balance for the account XXXX at the time when I sold the home was XXXX. And per their letter dated XXXX XXXX, XXXX the mortgage account # XXXX for the property located at XXXX XXXX XXXX XXXX XXXX CA XXXX was paid off at the time of sale of the property on XXXX XXXX, XXXX. 
Based on the above information I should not be reported to credit Bureau that I had a balance on the account # XXXX and the account started Foreclosure. I did not own the home in XXXX and both account Balance were XXXX as of XXXX XXXX, XXXX at the time of sale. 
This inaccurate information needs to be corrected with credit BureauI did submit to you the HUD and Pay off proof dated back in XXXX. 
Please keep copy from this letter on my file. This letter will be faxed to you today XXXX XXXX, XXXX. 
I would like to resolve this issue ASAP
Product: Debt collection

I have received several calls from XXXX regarding a Citibank account that I had in XX/XX/XXXX. The representatives I've spoken to claim that I was given a settlement amount of {$1000.00} and something, but since I have not paid the settlement amount, that my wages will be garnished for an amount in the {$2000.00} range. I filed for bankruptcy in XX/XX/XXXX which discharged the debt I had previous to XX/XX/XXXX.

Not only is this company, XXXX XXXX XXXX, using outdated information, but they have called my family members who were not co-signors nor otherwise involved in the accounts I had in XX/XX/XXXX. They are harassing me and threatening to garnish my wages as well as harassing family members who have nothing to do with this debt by leaving cryptic messages and causing them to worry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Recicved a credit alert From all three major credit bureaus last week on the XX/XX/XXXX about XXXX dollar loan was open in my name and I lost 15 points off my credit score and I contacted all the 3 credit bureaus and told them I did n't open this account and my wallet was stolen few months ago and I would like this credit loan removed off my credit report and they have n't done nothing and never heard back from them and I do n't do business with this bank nor I used this debit card or the loan and I was living T ANOTHER ADDRESS AT THE TIME THIS LOAN WAS OPEN BACK IN XX/XX/XXXX AND I HAVE NO IDEA WHO IS DOING THIS AND I MADE A POLICE REPORT ON THIS AND IM UPSET RIGHT NOW
Product: Checking or savings account

My personal information was stolen due to a data breach. Numerous checking and savings accounts were opened at Huntington Bank. When I received the Welcome letters, I immediately contacted Huntington to inform them of what happened. They assured me all accounts would be closed. Later, I received a letter stating they couldnt close one account as there was a balance and that I needed to zero it out. Several more calls later, and letters, I was once again assured that they would close this account. I just received another letter informing me they, Huntington, are unable to close the account due to a balance still in it. Im tired of this bank not taking care of this.
Product: Debt collection

the debt owed was {$430.00}. We received a call from another company saying they had the debt and we needed to pay it. I can't remember when they first made contact but they took the first amount out as follows XX/XX/XXXX - {$60.00}, G.C.A.B XX/XX/XXXX - {$60.00}, GREATER COLLECTION XX/XX/XXXX - {$60.00}, XXXX XXXX XXXX XX/XX/XXXX - {$60.00}, G.C.A.B XX/XX/XXXX - {$60.00} G.C.A.B XX/XX/XXXX - {$60.00} G.C.A.B XX/XX/XXXX - {$60.00} G.C.A.B FOR A SETTLEMENT AMOUNT OF {$390.00} THE MONEY WAS TAKEN OUT OF MY ACCOUNT THAT WAS SET UP THROUGHT THE COLLECTION AGENCY THAT TOLD ME THEY REPRESENTED XXXX XXXX. THE " COLLECTION AGENCY '' THAT FRAUDED ME OUT OF MY MONEY WAS GREATER COLLECTION AGENCY BUREAU XXXX XXXX XXXX XXXX NC XXXX PHONE NUMBER ( XXXX ) XXXX FAX NUMBER ( XXXX ) XXXX EMAIL : XXXX. THEY TOOK THE MONEY OUT OF MY ACCOUNT ON TIME AND DID NOT TAKE ANYMORE THAN WHAT WAS " OWED ''. THESE PEOPLE ARE A FRAUD!!!!!
Product: Credit reporting

There are XXXX creditors reporting on my credit reports XXXX, Experian. Target and XXXX XXXX. I disputed these companies as fraudulent since discovering in XXXX or XXXX. Even though these were not my debts they refused to remove. They have had these on my credit reports 9 or 10 years which they should have been removed any ways. But what they the companies keep doing is going in and updating the date opened, which is fraud. They went and said XXXX or XXXX as opened when again, I have been battling this since XXXX or XXXX.
Product: Credit reporting or other personal consumer reports

ALLY FINANCIAL Opened in XX/XX/2016 fraudulently balance of {$23000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears someone in XXXX, Florida ( where I have never lived, owned, or rented property ) may be using or have accounts in collections that are being reported on my credit report. I've disputed the associated address, the related collections ( rent, utilities, etc. ). I submitted these to XXXX, Experian, and XXXX. 

However, the responses are not actually processing the dispute. Instead, they are merely " correcting '' the address but even that " correction '' is the exact same address in dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX XXXX Balance {$780.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Each Credit Reporting Agency continues to show credit inquiries when we have not authorized the companies to pull our credit. I have  disputed these inquiries from each agency and nothing has happened nor have they disclosed the accuracy of these inquiries.
Product: Credit reporting or other personal consumer reports

15 USC 1681s-2 states that charge offs are considered income and income could not be reported onto consumer report.
Product: Checking or savings account

On or about XXXX XXXX, BANK OF AMERICA debited {$2200.00} from my checking and savings account. The reasoning was they had a legal order to hold my funds. I called BANK OF AMERICA only to have representatives tell me there was nothing they could do. BANK OF AMERICA claims they received a " notice of a lien '' which is not an actual lien or a legal order. If BANK OF AMERICA is debiting my account because of a " notice of a lien '' this is securities fraud. BANK OF AMERICA has no sworn statement under penalty of perjury that said " notice of a lien '' is true, nor do they have a court order pursuant to XXXX XXXX XXXX that corrobarates this claim. If I am mistaken I ask those documents be presented immediately. Due to the extreme amount of fraud and scams, it is only right that BANK OF AMERICA would make sure such documents are valid before allowing it to cause harm to one of their loyal customers. I have attached a copy of the " notice of lien '' BANK OF AMERICA mailed to me as well as my own affadavit that BANK OF AMERICA is welcome to rebut or have the person ( s ) claiming I owe a debt rebut. This matter is causing me and my family stress as I am unable to pay my bills and properly take care of my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last night against the same company, but submitted the wrong attachments. Attached will be the correct documents. Santander failed to correct the inaccuracies I found on my 3-bureau credit report.
Product: Debt collection

caine and weiner {$90.00} they say i owe them for car insurance when i didnt even have a car at the time and nver had insurance for over 2 yrs  because i lost my licence. i dont know who was claiming to use my social security number but this is errant and not my debt.
Product: Mortgage

Hi, I have contacted Ditech twice about my adjustable rate mortgage. During XXXX, my interest rate increased due to rising interest rates. However, this year, interest rates tumbled, but my adjustable rate has not declined. I have phoned Ditech twice. The last time was yesterday. I spoke to an agent, who then transferred me to refinance. That is not what I wanted. I asked to speak to a supervisor, but they transferred me to the new company that bought Ditech 's business. They do not have a record of my account because it has not transferred yet. 

On the current Ditech website, it appears that my rate will stay the same, 5.25 % and be reset on XX/XX/XXXX for five more months. I feel helpless because Ditech is paralyzed and the new company will not lower my adjustable rate mortgage. In fact, it should have been lower this year, which means Ditech owes me interest money. I doubt I will see anything, since they have declared bankruptcy, but wanted documentation to show that I have tried to deal with this situation.
Product: Checking or savings account

A checking account was opened with Truist Bank in late XX/XX/2024. On XX/XX/2024, I deposited a check for {$3500.00}. The check was from my own account at XXXX XXXX XXXX. The funds were received from my employement as a XXXX XXXX  The funds were transferred into the truist account with the purpose of making an online payment. 

I was notified the following day, that due to the large amount deposited during the first 30 days of having the account, an additional hold period would apply to the check until XX/XX/2024. 

On XX/XX/2024, the check cleared, however, the account became completely restricted without access to any of my funds. During a phone call with the bank, they refused to communicate me with their fraud department. They did not have any information or reasons for the hold. The funds are inaccessible at this time without any due process or reason.
Product: Credit card or prepaid card

Greetings, I 'm a payee for my son  XXXX   XXXX , who was incarerated sometime in  XXXX   2017 . When I learned of his incarceration immediately contacted  the SSI offic e and requested his check for  XXXX   XXXX   2017  be stopped. I learned on  XXXX / XXXX / 17  that the checked was issued. I never received these funds. I immediately went to th e SSI. And asked why did n't the rep stop the check like I requested, she had enough time to stop the check, Ssi  was very evasive, so I contacted  Direct Express  and spoke with  XXXX  employee number  XXXX , she could not answers my questions either, so I was transferred to le vel 2  and spoke with  XXXX ,  XXXX ,  XXXX ,  XXXX . Neither of these people could or would not give me an address where the transaction for  XXXX  took place. I need to know an address where someone went at  XXXX   XXXX  and took money out of this ATM. I need to get to the bottom of this. So those responsible will be held accountable for theft. I would like a through investigattion into who took this money out of this ATM, and the location, th e Ssi is  trying to hold me Responsible for something I did not do. I will be filling a police report regarding this matter.   I am very up set. I asked the reps from Direct Express who regulates them! They would not disclose this information to me. I found that very upsetting. I want those responsible for take that money held to answer, and that money returned to t he SSI loc ated at  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  CA  XXXX . I 'm very saddened by this situation, that someone would take advantage of my son being in jail and steal the money. When it should have been sent ba ck to SSI. Tha t was my sole purpose of contacting them so the check could be stopped. Please help me resolve this urgent matter.   Sincerely,  XXXX   XXXX
Product: Credit reporting or other personal consumer reports

I wrote XXXX XXXX EXPERIAN and XXXX regarding some accounts on my report that looked suspicious asking them to verify the accounts and they have yet to do so. Subsequently i filed a FTC report and a police report which Ive attached. As you know 15 USC 1681 c-2 states, ( a ) Block a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency As i stated Ive attached all the necessary documents for these accounts and the FTC report has a list of said accounts.
Product: Debt collection

Southwest Credit Systems has refused to remove this entry from my credit report after verbally promising to do so during a correspondence call after the debt was paid. 

Southwest Credit Systems has not provided proof XXXX written documentation ) of assigned ownership of account XXXX validation ) and continues to report a paid debtAgency has not provided appropriate documentation to show how and where the fees came from as it relates to the original debt indicated on my credit report in an itemized statement. 

No itemized information about proof of last activity date was provide to me.
Product: Debt collection

I received a call from XXXX a debt collection company stated I owed {$4900.00} to XXXX XXXX, to which I informed the debt collector I did not. I was not given FDCPA, no any disclosures, I asked them to not contact me again as I did not owe any debt to XXXX XXXX and also asked for validation of the debt. to which has yet to be provided, after asking them not to contact me again and to cease collections efforts on XXXX XXXX a debt collection letter was sent to me via mail.
Product: Debt collection

XXXX Enhanced Recovery Company is currently attempting to collect on a debt XXXX XXXX XXXX XXXX XXXX They've reported this inaccurate information on all three of my credit reports, attempted to collect on this inaccurate debt for over 7 years, this company do not have a wet signed contract with me, written permission to store my personal information in their systems ( they are a third-party collection agency ), and I've advised XXXX that I don't think this balance is accurate. I want my personal information to be removed from this company database.
Product: Student loan

When I originally contacted Navient regarding school misconduct I received a response stating that I was a candidate to receive a misconduct discharge application- which I did receive from them. I completed & submitted the misconduct application and approximately 30 days later received a blanket/vague letter stating after " carefully considering a variety of factors '' they determined I did not meet the criteria - period. No explanation of how they got to that conclusion, if I needed to provide additional information, etc. I then reached out to their customer service department requesting an explanation - in writing - and I received another vague response telling me I had to call a number and leave a message.
Product: Checking or savings account

My problem at this point is with Bank of America. 

I was charged {$7000.00} from the time from of XX/XX/XXXX to XX/XX/XXXX. The posting times differ from the dates they were made but they were made between the XXXX and XXXX of XXXX. 

My phone was stolen and stupidly I had all of my passwords written in my notes app so whoever took it was able to not only access all of my apps but also use my card attached to XXXX XXXX. I filed a dispute with Bank of America originally I believe on XXXX the XXXX. I then reached out to XXXX of the merchant ( XXXX ) via phone they told me there was nothing that could be done because the safeguarding of account information is not their responsibility. On XXXX the XXXX Bank of America denied the claim. I immediately called provided detailed information that my phone was stolen with all of my information I had to change my information for all of my accounts I got charged separately on my XXXX account and my credit card as well. They took all of this information and resubmitted the claim. Bank of America then reopened the claim and told me a reopened claim will take XXXX days to complete compared to the usual XXXX that was on XXXX the XXXX I have contacted them multiple times and they have stated they are waiting for the merchant ( XXXX  ) to send the relevant information showing I was the one who made the transactions. I finally called today being the XXXX days is almost up and the response was the same the merchant still has not provided the information almost a month later. They then stated it could take up to another XXXX  days for the investigation. Its ridiculous at this point I wasnt provided a credit which i understand but its a lot of money to be out and its going on XXXX months.
Product: Vehicle loan or lease

Hi Sir, Greetings of the day.

I need your help in settling my lease account with NISSAN MOTOR ACCEPTANCE CORPORATION ( NMAC ), XXXX XXXX XXXX, XXXX, TX XXXX. 

I traded in my leased car ( from NISSAN ) to XXXX XXXX of XXXX, PA on XX/XX/2020. XXXX XXXX agreed to buy back the car from NISSAN by paying the residual value and outstanding lease payments. Accordingly, they sent the following payoff checks to NMAC : 1. 1st check was received by NMAC on XX/XX/2020 ( Amount- {$14000.00} ). This check was never processed. Hence XXXX XXXX had to cancel this check and send a new check. 
2. 2nd check was received by NMAC on XX/XX/2020 ( Amount- {$14000.00} ). This check is also unprocessed till today because of their negligence. 

I tried to call them multiple times to process the payment and close my account. Every time they give the reason for the delay is COVID 19 pandemic. They have an SLA of 15 days which they have violated already. They are very insensitive. 
Now they have moved my account to their collections department and I am getting harassed by the collection agents for payment again. Additionally, they are also charging late payment fees to my account. They are also threatening me that it will be reported to the credit unions. 

I am going through enough mental trauma for more than a month now. 

Please help me get this resolved as soon as possible. 

Thanks and regards, XXXX XXXX
Product: Checking or savings account

I opened a dispute in XX/XX/2021 for charges I was assessed by XXXX and XXXX marketing after numerous attempts to dispute with the merchants. I canceled all ads and marketing but yet was continuously being charged. After attempting to resolve it with the merchants I opened a dispute with USAA my bank. I never received any request to provide information. I logged in today to see that my account had been reversed with the charge. I called immediately and was told additional information was needed and I promptly provided it. With the XXXX, my mail is often delayed and we have a shortage of XXXX XXXX XXXX in my community and share a mail box. I was told that it was in the mail and promptly requested to reopen because it was same day. I turned over all documentation to support even proof that it was canceled. I was told that the dispute was reopened. Pursuant to https : XXXX1005/11/ # b-3 section ( c ) ( iii ) if there is an open dispute investigation the funds are to be issued for a provisional credit until it is resolved. The funds were never reissued and I was just told basically wait for a resolve from the investigation but be financially penalized even tho I provided overwhelming proof of the cancellation, the date and even me challenging the merchant Numerous times.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The Equifax and XXXX credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. 
XXXX XXXX XXXX Balance : {$27000.00}
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I did not authorize the inquiry in question, and it has no permissible purpose under the Fair Credit Reporting Act. As this inquiry was made without my consent and lacks valid justification, I am requesting that it be immediately removed from my credit report.