23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

We financed a car on from Prestige Financial Services in XXXX XXXX XXXX UT. Our payments are due on the XXXX of each month. On XXXX XXXX we traded in our vehicle and received a better rate through a different company. We notified Prestige right away. We are now getting multiple calls and texts that we owe the car payment or they will put us in default. We 've asked them to stop contacting us, and to contact the dealership, but that has yet to happen. Today, we got letters saying we are in default and must pay ASAP or the car will be repossessed ( which we do n't even have ). It 's getting really annoying to be contacted multiple times for something we are no longer liable for. We even have all the paperwork of the transaction. And we are still within 30 days of the payment being considered late.
Product: Debt collection

ACIMA CREDIT FKA SIMPL XXXX {$520.00}
Product: Credit reporting or other personal consumer reports

i was doing a credit check and saw my score had dropped drastically i followed the instructions and called each company to dispute all the companies did inform me that the mailing address was not my address and the accounts had been opened online i informed them they are not my accounts that someone was using my personal information. XXXX told me to report it to ftc.gov
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act these XXXX  Accounts listed below has violated my rights : XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX  ACCOUNT # XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX BANKRUPTCY DISCHARGED XX/XX/2014 REFERENCE # XXXX DEPTEDXXXX ACCOUNT # XXXX DEPTEDXXXX ACCOUNT # XXXX
Product: Mortgage

To whom it may concern : Please note that Loan Depot is our 'current ' Mortgage Loan Servicer, and we decided to refinance with Loan Depot ( same company ) our loan for a lower rate of 2.5 % from the current 3.5 % that we are currently paying to date. This company had a policy offering to their client a 'Lifetime Guarantee ' NO closing costs for existing members. The loan officer, XXXX XXXX qualified us ( Loan # XXXX ) on XX/XX/XXXX for a 2.5 % rate, and was locked until the completion of the process, up to XX/XX/XXXX. After submitting on demand, ALL the required documents, we finally Esigned after almost 4 months, the Agreed terms on the Final Closing Disclosure with a Closing date on XX/XX/XXXX and Disbursement Date on XX/XX/XXXX. The agreed closing event as confirmed with the agent, XXXX  XXXX never happened, due to the failure of Loan Depot to deliver the documents to be signed. We called Loan Depot, and they needed more income information from us. We have a fully paid, original owned property house ( XXXX taxable value= {$230000.00} ) for rental, and we gave them a copy of the XXXX Lease document, as well as our latest XXXX Tax return. Both of these set of documents were given at their request, in addition to a permit to access the Social Security records of XXXX XXXX, XXXX year old, and was laid off on XX/XX/XXXX, due to the final closure of the company, where employed ( XXXX XXXX ) continuously for the last 15 years. MrsXXXX XXXX is still trying to find employment, and she also activated drawing an early retirement from the Social Security System as an added monthly income. Mr. XXXX XXXX is currently FULLY employed, and he brings 80 % of the household income. This property that we are refinancing was built in XXXX XXXX, XXXX and we have paid ( on time ) our monthly amortization with Loan Depot, until these days. The pandemic never affected our Terms and mode of payment, and we pride our exceptional credit score. It is our moral and financial obligation to pay our debts, religiously, and that is how we will manage this mortgage until it's fully paid, with our goal, in the next 10 years. We just want Loan Depot, to honor the previous agreement that we Esigned in good faith, and make good on their refinance loan promise with a 'Lifetime Guarantee '. We sent to Loan Depot 's customer service, an appeal on XX/XX/XXXX 'to reinstate the Final Refinance Closing Disclosure for the Terms ( 2.5 % ) that were offered and accepted ', under Refinance Loan # XXXX File # XXXX that was confirmed for closing. We also made a follow up on XX/XX/XXXX RE : appeal ..but there's NO imminent resolution on the horizon. We hope that you can help us investigate this unfair business practice, based on pre- pandemic process and underwriting, and not on the individual/joint merits and worthiness of the consumer/borrower. 

Thank you for your valued services and immediate action. 

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

Somebody keep going online trying to get credit cards in my name and now I have  XXXX  new inquiries that I did not authorize and need to get these  XXXX  inquiries removed.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is ( XXXX ), filed on ( XX/XX/XXXX ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XXXXXX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, Company 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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX This is considered a RE : Investigation and not a duplicate complaint for the same issues. I have included updated information ; and also advised of failures that are still affecting current consumer report. 
Please delete accounts XXXXXXXX XXXX XXXX  Account # XXXX Account # XXXX Account # XXXX for violations of FCRA Section 623 for Failure to enter Notice Of Dispute by 05/06/24 You received my complaint on XX/XX/XXXXXXXX XXXX XXXX XXXX is violating specific laws continuously 15 USC 1681 ( E ) ( B ) Accuracy of Report According to XXXX XXXX TransUnion XXXX TransUnion, XXXX XXXX and XXXX are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws 15 USC 1681 ( i ) ; 15 USC 1681S ( 2 ) ; 15 USC 1681 ( i ) 5 ; 15 USC 1681 ( E ) ( B )
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arkansas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several accounts that are currently appearing on my credit report. These accounts are as follows : XXXX, account number XXXX, which has a late payment on record. 
Arkansas XXXX, account number XXXX, which has been charged off. 
XXXX, account number XXXX, which has been charged off. 
XXXX XXXX, account number XXXX, which is in collections. 
XXXX XXXX, account number XXXX, which is in collections. 
XXXX XXXX XXXX, account number XXXX, which is in collections and was originally held by XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, account number XXXX, which is in collections and was originally held by XXXX XXXX XXXX. 
XXXX XXXX, account number XXXX, which is in collections and was originally held by XXXX XXXX Bank XXXX 
XXXX XXXX, account number XXXX, which is in collections and was originally held by XXXX XXXXl XXXX Bank XXXX XXXX XXXX XXXX 
XXXX XXXX, account number XXXX, which has been charged off. 
I believe that these accounts XXXX contain errors or violations of federal law, including : Fair Credit Reporting Act ( FCRA ) Fair Debt Collection Practices Act ( FDCPA ) Fair and Accurate Credit Transactions Act ( FACTA ) Truth in Lending Act ( TILA ) Real Estate Settlement Procedures Act ( RESPA ) Equal Credit Opportunity Act ( ECOA ) Fair Credit Billing Act ( FCBA ) I am specifically concerned that your actions with respect to these accounts may have violated one or more of these laws. For example, the late payment on my XXXX account may not have been reported accurately, or the debt collection activity related to these accounts may not have been conducted in compliance with the FDCPA. 

I am requesting that you take the following actions to address these issues : Correct any errors or inaccuracies in my credit report related to these accounts. 
Cease any collection activity related to these accounts until the issues have been resolved. 
Provide me with any documentation that supports your position on these accounts. 
Respond to this dispute in writing within 30 days, and include a detailed explanation of how you plan to address these issues. 
I take this matter very seriously, and I am prepared to take legal action if necessary to protect my rights under federal law. 

Thank you for your attention to this matter. 

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

I am disputing the move out fees and the damage the XXXX XXXX ( XXXX XXXX XXXX XXXX ) did to my person and my credit report through the collections agency National Credit Systems and The XXXX XXXX XXXX XXXX XXXX. I started a sublease at University XXXX, XXXXXXXX XXXX in XX/XX/XXXX to XX/XX/XXXX. I decided due to convenience to renew and lease again with University XXXX on XX/XX/XXXX through XX/XX/XXXX. In this period they did renovations and changed old furnitures for new ones. They changed the carpet for two of the rooms in the apartment XXXX but not my room since they said I was in a sublease. They sent me a move out statement and each and every item I was not responsible for ( including carpet replacement, ironic? ). I left the apartment in better conditions that what I received it and I have dozens of pictures from the move in and move out. I can provide proof. I sent multiple emails to the then resident manager XXXX XXXX and XXXX XXXX with no response and resolution ( they just straight ignored me ). I went to the office several times and was never able to speak to them. They did not consider the move-in condition form I submitted and charged me all cleaning, painting, carpet, mattress replacement ( the mattress was in the room ). I left my room in good conditions except for normal wear and tear. Btw, the apartment was infested with roaches when I moved in. 

Recently, I needed the account XXXX to be removed from my credit report. I tried contacting again XXXX XXXX XXXX but the managers were not able to speak to me since they were in a meeting. I had to resolve the matter with XXXX XXXX. Provided are the emails and pictures as proof. 

You have a pdf with all my proof. Okay, I have provided all the proof requested from you. Now I request proof that I owe this. Because you pretend to charge me for this. Please provide all the pictures ( not my pictures ) of the move-out that you are attributing me this charge. Please provide me the inspection that was completed at my move-out since I never saw that report. There is an inspection done per the statement you provided in XXXX XXXX, XXXX ( two years after I moved out ).

I have a clean credit and you pretend to mess this up. This is not how you do it. 

I request reimbursement or refund for the {$720.00} I had to pay due to every management ignoring my requests, apologies from the company and complete deletion of the account from the three credit reporting agencies and from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres unauthorized inquiries on my credit report and I would like to have them removed XXXX  removed these disputed inquiries but Equifax and XXXX  hasnt all three credit bureaus are reporting different inquiries
Product: Debt collection

XX/XX/2021 I was alerted by XXXX XXXX and XXXX  that I have a collection with XXXX XXXX XXXX for a gym membership with XXXX XXXX/abc financial. This membership should have been cancelled years ago as I had asked them. The email I received was with abc financial services for {$98.00}. I called them to resolve they said call XXXX XXXX XXXX as my account is in collections. XXXX XXXX XXXX  first said they have no information of mine. I called again and was told I was in collections for {$160.00} which is much more than abc financial services had told me. I told XXXX XXXX XXXX, I will gladly pay the balance if they agree to remove it from my credit report as it is not legitimate. XXXX XXXX XXXX said they can not help me and to call abc financial services. Abc financial services said they can not help since the account is in collections already with XXXX XXXX XXXXXXXX XXXX XXXX XXXX  was still unwilling to help me. They would not take a payment from me or remove the remark from my credit report
Product: Checking or savings account

On XX/XX/2022 I received a call from Wells Fargo bank ( XXXX ) XXXX saying they caught two suspicious purchases in XXXX, Az. I denied making the purchases and the representative was going to reissue a new card and reset our account. They told me to verify my identity they would send a code to be read back to them. The text came from a Wells Fargo number ( XXXX ). Debit card was reissued then we started the password reset. At that time I realized I was locked out of my account and the call was dropped. I called Wells Fargo back using the number in my card. The representative stated no claim had been filed on my behalf and a claim was filed then. After I regained access to my account after over an hour on the phone with Wells Fargo I found several digital wallet tapped purchases were made. All purchases/withdrawals were made on XX/XX/2022, I found that {$1000.00} was withdrawn from our savings at a Wells Fargo ATM in XXXX, Wa, multiple cash advances were requested from our credit card to our checking account ( those were never processed by WF ) and several purchases were made at XXXX in XXXX, Wa. Purchases as follows {$52.00}, {$1300.00} and {$2800.00}. Our claim for unauthorized ATM withdrawal was approved and the funds were returned. Our claim for unauthorized purchases made from XXXX were denied citing a PIN was used. Per Wells Fargo claim department a PIN was also used at the ATM, but that action was determined to be unauthorized. Also note the first attempted purchase of {$2800.00} was originally declined by Wells Fargo and an ATM withdrawal of a smaller amount was declined.
Product: Mortgage

On XX/XX/year>, I requested mortgage assistance resulting from having been adversely impacted by the COVID-19 pandemic. The mortgage is two months delinquent and incurring substantial late fees. 

I called XXXX Mortgage Loss Mitigation Department on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX and requested status updates on the application. It is now 35 days since having applied for mortgage assistance, and I have not received a response from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

IC System, Inc. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Phone : ( XXXX ) XXXX Subject : Cease and Desist Request Dispute of Account Information Account Number : XXXX Dear IC System , Inc., This letter serves as a formal notice under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ) and is in response to the collection account associated with the above-referenced account number. 

Cease and Desist Communication : I am requesting that you immediately cease all communication with me regarding the alleged debt. This includes, but is not limited to, phone calls, emails, letters, or other forms of contact. 
Dispute of Account Information : I dispute the accuracy of the information you have reported to the credit reporting agencies. Specifically, the account reflects a past-due balance of {$760.00}, which is incorrect or unverifiable. Furthermore, as the original creditor is listed as XXXX XXXX XXXX XXXX, I request validation of the alleged debt, including : The signed agreement or contract with the original creditor. 
A full accounting of the alleged balance. 
Verification that you are authorized to collect on this account. 

Fair Credit Reporting Act ( FCRA ) Violation : Pursuant to 15 U.S.C. 1681s-2 ( b ), you are required to ensure that all information you furnish to credit reporting agencies is accurate and complete. Reporting unverifiable or incorrect information, such as an inaccurate balance or past-due status, violates federal law. 

Action Required : Provide written validation of the debt within XXXX days of receiving this letter. 
Immediately cease reporting the account to credit reporting agencies until the account is fully validated. 
Update any inaccurate or incomplete information you have furnished to the credit bureaus. 
If you fail to comply with this cease-and-desist request or continue to report unverifiable or inaccurate information, I will not hesitate to file complaints with the Federal Trade Commission ( FTC XXXX XXXX and my states Attorney General. Additionally, I reserve the right to pursue legal action for violations of the FDCPA and FCRA. 

You may contact me only in writing to confirm compliance with this cease-and-desist request or to provide the requested validation. 

Sincerely,
Product: Debt collection

I have tried several time to get Portfolio Recovery to stop communicating with me via ALL mediums. I filed a complaint with CFPB # XXXX, the company responded on XXXX XX/XX/XXXX stating : 'Portfolio Recovery Associates , LLC ( PRA ) investigated your complaint, verified the PRA account ending XXXX XXXX and the accuracy of the information we furnished to the consumer reporting agencies regarding the account and found we have honored the request to cease all communications regarding the PRA account unless otherwise permitted or required by applicable law. PRA purchased the XXXXXXXX XXXX  ( " XXXX '' ) XXXX credit card account ending in XXXX from XXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/XXXX. ' As of XX/XX/XXXX Portfolio Recovery is still reporting this misleading information on my consumer report. They have not honored the request to cease all communication, the letters that they have received are dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. In all of the letters mentioned I have requested cease communication with me on all mediums, included but not limited to all credit reporting agencies, telephone, mail, social media etc. 
Portfolio Recovery has continued to lie about what sent to me, and what laws they are following. Attached pleased find my most recent consumer reports showing that Portfolio Recovery is still communicating on my consumer report. Also please find all XXXX of the letters that were sent to Portfolio Recovery requesting them to cease communication.
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clear

ly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit reporting or other personal consumer reports

I submitted all required documents to XXXX and even spoke to someone named XXXX at XXXX on XX/XX/24 that all but assured me that she had the necessary documents that I had submitted to resolve my issue after XXXX attempts. It is still not resolved as of today when I received an email from them telling me that my dispute was closed again. My student loan balance was completely forgiven almost a year again and it is still showing that it is a active balance from Nelnet on my credit file. This is not correct. Please help me.