23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

opportune /progreso XXXX XX/XX/2021 {$1200.00} this account is fraud account the action was taking police department, and a federal trade commission report
Product: Debt collection

I disputed the debt from Credit Systems and it was deleted from my XXXX credit report in XX/XX/2016. I noticed that in XX/XX/XXXX this same inaccuracy was reporting on my XXXX report as well. Which should had been removed from my credit report back in XX/XX/XXXX. I disputed the debt on my XXXX report and provided the documentation proving it was removed from my XXXX report back in XX/XX/2016. However, instead of Credit Systems removing the inaccuracy from my report, they put it back on XXXX report and showed that the debt had been in collections for 14 months dropping my score by XXXX points.
Product: Debt collection

XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) .amount of {$1100.00}. 
XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) .amount of {$750.00}. i disputed this account requesting THE VALIDATION to this account and all document that credit report have to send me to validated this account. i never received any document from the company they just VERIFIED without sending any VALIDATION letter to prove me this account is mine. 

i'm requesting to remove unverified account to my credit report immediately under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }.
Product: Mortgage

Applied for Home affordability grant on XX/XX/XXXX while in a forbearance with XXXX XXXX XXXX XXXX transferred servicing to Git Sit Solutions LLC on XX/XX/XXXX There were payments in held suspense with XXXX  which were requested to be applied but were not. 

We requested a reconciliation with Git Sit XX/XX/XXXX as the amount due was inconsistent to our records and provided notice of application and underwriting of Grant XX/XX/XXXX : Git sit reported negative and inaccurate information to Bureaus on outstanding balance and XXXX  days late XX/XX/XXXX : We provided Git Sit detailed banking records and transacted payments with XXXX  and requested the disputed information being reported to be verified XX/XX/XXXX : provided Git Sit with timing to receive fund proceeds XX/XX/XXXX : Funds transacted to XXXX XXXX XX/XX/XXXX : Funds Posted to servicer. Git sit reports second derogatory trade information to bureaus with updated loan balance INCREASING by {$1200.00} XX/XX/XXXX : Request refund of allocated funds held in suspense. Git sit notifies me the funds were received from the transfer with XXXX mortgage XX/XX/XXXX and posted to the account XX/XX/XXXX Notified servicer of inaccurate information being reported while loan current and while in dispute. Filed complaint
Product: Debt collection

( Credit Bureau System ) at ( po box XXXX XXXX, Ky XXXX ) has been sending me collection notices in the amount of ( {$1200.00} ) the account opened XX/XX/20 .the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Checking or savings account

I've closed my chime account due to I was hacked on XX/XX/XXXX they said it was good to close right away and they will send a check out after processing and should receive it around XX/XX/XXXX or XXXX I haven't the I called them again and said I have not received anything yet and verified my details and address and they said that they will expedite the check and should receive it within 7-14 days I have not received anything called again and been emailing them too getting the run around now I have to wait 14 days of processing and 30 days of mailing it out now I said I think you're just keeping my money cause I should receive it by now and you always tell me that I can reopen my account so maybe my funds are still in there and you haven't even sent out the check yet or even at all
Product: Debt collection

I made payment plans with the XXXX and payments were being made as agreed. Therefore, to report the account as delinquent was a clear breach of agreement. Payments were being made as agreed at the relevant time period, thus, I dispute the validity of this debt. 
I respectfully request that PENNCREDIT CORP. cease and desist all collection action ( s ) until an investigation is completed per the validity of the debt as contained and described by the XXXX XXXX is ascertained and verified. 
Upon belief and information, this account has been paid in full as agreed by both parties. 
WHEREFORE, I request under the FAIR DEBT COLLECTION ACT ( 15 USC 1692 ) that XXXX XXXX & PENNCREDIT be subjected to provide all unpaid invoices and paid invoices in the account including a copy of the payment plans entered by both parties.Absent being in compliance of the 15 USC 1692, XXXX XXXX and its associate will be in clear violation of my Privacy Rights and may require me seeking recourse for punitive/compensatory damages, per gross negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Quicken loans XX/XX/2017 Did a hard inquiry on my report and said I told them it was fine, I was shopping around for a lower rate but didnt talk to anyone or meet, said I would get up to 3 free offers and when I clicked on them they han it and didnt think they would do that. Talked to them and said well you did and we wont remove it.
Product: Student loan

On Friday, XX/XX/XXXX I called mohela and asked about the student loan transition program. I could not get through to anybody for around XXXX minutes and after I finally did I was in transferred to a different department and waited almost an hour. From here, nothing happened in the car was eventually hung up on their end and I had to start back at XXXX XXXX and got nowhere after that. I was calling to see if I could pay off my loan for the month of XXXX, because it is in this transition program, and I have no access to the account and I am afraid that this will be a problem for my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute to Equifax on XX/XX/2019, I have yet to receive a response and this is not the first time this has happened with Equifax , they seem to not send dispute results as required or even complete a dispute that was properly requested.
Product: Credit card

We missed paying our balance in full by {$3.00} last month. We were charged {$9.00} in interest for that month and {$22.00} the next month, for a total of {$31.00} for a XXXX time {$3.00} error. Is n't that an excessive amount? 

The credit card company did waive the second interest charge, but I still think an interest should be charged on the amount past due and not on the total balance.
Product: Debt collection

I have been a victim of identity theft. For over a year now i have tried to clear my credit from all these fraudulent accounts. However Experian has been the only credit bureau that is not cooperating. They have not sent me valid documentation with there investigation. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

The collection account number I'm refering too is :
Product: Money transfer, virtual currency, or money service

PayPal limited my account for no reason and will not help me with getting it back up even if i tried to resolve this already. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for days but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
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, credit repair services, or other personal consumer reports

XXXX XXXX and United Equity Mortgage Corporation are the same set of people acting as seller and lender, the operate in the same office and compound, they sold a land for {$47000.00} and the property was appraised for {$500.00}. They threaten me with my credit score and foreclosure when I reached out to them amicably.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX 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 a account without my written instructions
Product: Debt collection

Calls from the same number at least 12 times in less than 7 days. The first call will usually come in at XXXX sharp and the last call will come in right around XXXX. I have in writing a settled on amount that I have been told is not correct. I ask information on why I owe this new amount and the call is forwarded up to the account manager. Then my call is usually disconnected after waiting on hold for a few minutes. I call back and ask to speak directly to an account manager, and am told all personnel are able to help with my account. Then we repeat the cycle. It's literally the definition of insanity.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Letter I sent on XX/XX/XXXX was my XXXX letter writen inrforming the Credit Bureaus that I am a victim of identity theft and I write to dispute certain information in my files resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These items are unknown to me. Also, the information that some Credit Bureau provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. I scpificaly highlighted to importance of the FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind, I need the following items removed from my Credit report : XXXX XXXX XXXX A XXXX XXXX, XXXX, XXXX XXXX, XXXXXXXX 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 Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$650.00} XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$460.00} XXXX XXXXXXXX Balance Owed : {$150.00} US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I UPLOADED PROOF O F IDENTITY AND ADDRESS ALONG WITH FTC AFFIDAVIT : identifies as information that resulted from an alleged identity theft, not later than 4 business days after ( BY LAW XXXX, XXXX and Experian IS IN Violation. Please furnish THESE FRAUDULENT INACCURATE Accounts a By law Under, 15 U.S Code 1681b - Permissible purposes of consumer reports IN GENERAL Subject to subsection any consumer reporting Agency By law is required to reports immediately.The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not I am demanding the deletion of Accounts as in VIOLATION of my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

So there was an account that was reporting on my credit report from Discover Financial. By the time I noticed it was opened and had been used for 5 months already. the card was nearly maxed out. once i called in to report the fraud they gave me all the information and told me that it was my fault and I was liable for the debt. Even though they said the card was opened at a address I wasn't familiar with. plus the telephone number they had on file wasn't mine. The card was opened on XX/XX/2017 and till this day its still reporting negatively on my credit report. the total amount that was take was XXXX that was due to fraud. Also A XXXX XXXX account was opened in my name as well that same year and this two cards was maxed out in my name XXXX & XXXX dollars. The date opened for those cards was XX/XX/2017. I also alerted the credit bureaus as well they put a fraud alert on my credit file. But still hasn't removed the fraudulent items on my credit report. this is going on two years already. I also filed a police report and mailed those documents to the credit bureaus as well.
Product: Checking or savings account

On XX/XX/XXXX, my desktop computer was hacked by scammers without my knowledge or consent. They hacked into my Wells Fargo Bank savings and checking accounts and transferred {$40000.00} from my savings account to my checking account without my knowledge or authorization. The Electronic Fund Transfer Act, a law passed by Congress in XXXX, protects consumers from, among other things, Unauthorized Electronic Funds Transfers. 
On the date cited above, I received an email claiming to be from the XXXX XXXX which said that {$430.00} had been debited from my checking account to renew a PC support service. The email provided a phone number to call to cancel the service and get a refund. I called the number, and the scammers led me in filing out two online forms to get the {$430.00} refunded. When I attempted to fill in the refund amount on a box in the second form, instead of populating {$430.00} it populated {$40000.00}. The scammer said that the only way to fix the mistake was for me to send a wire transfer to reimburse XXXX XXXX for the over- payment of the refund. He provided information about a XXXX XXXX  account to wire transfer the money to. I foolishly went to a Wells Fargo branch and sent a domestic wire transfer of {$39000.00} to this account. 
The next day, XX/XX/XXXX, I discovered that my savings account was {$40000.00} short. The scammers had hacked into my bank accounts and transferred {$40000.00} from my savings account to my checking account without my knowledge or authorization. Also, I learned that {$1000.00} was transferred from my checking account to somebody named XXXX XXXX without my knowledge or authorization. I have never heard of this person. 
Here are the actions I have taken ; 1. I reported the incidents to a local Wells Fargo branch and to the Wells Fargo Bank Fraud department. I also had the bank open new checking and savings accounts. 
2. I reported the incidents to the Federal Trade Commission. ( Report attached. ) 3. I filed an IC3 report with the FBI. ( Report attached. ) 4. I reported the incidents to the XXXX XXXX XXXX XXXX XXXX ( Report not attached. ) The Wells Fargo Online Fraud Claims department researched the incidents I have described. Wells Fargo credited {$1000.00} back to my checking account for the unauthorized transfer to XXXX XXXX. They did nothing beyond this and declared my claims to be closed. 
Note : None the categories in Step 2 of this complaint accurately describe my issue.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the removal of inaccurate information appearing in my rental screening report due to identity theft. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-2 ), I have the right to dispute and request the blocking of any fraudulent information resulting from identity theft.

Upon reviewing my rental screening report, I discovered [ describe the inaccurate information, e.g., an eviction record, unpaid rental balance, or criminal record ] that does not belong to me. I am a victim of identity theft, and this fraudulent record has negatively impacted my ability to secure housing.

In accordance with the FCRA 605B ( 15 U.S.C. 1681c-2 ), I formally request that you : Conduct an immediate investigation into the disputed information.

Remove and block any inaccurate or fraudulent data from my report.

Provide a written confirmation of the corrections made to my file.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Account Number XXXX Additional Reference : Credit Bureau Account Number XXXX Dear Wells Fargo , I hope this letter finds you well. I am writing to you regarding my auto loan account with Wells Fargo ( Account Number : XXXX ). I am reaching out to request a goodwill adjustment for several late payments that has since been resolved. 

Due to XXXXXXXX XXXX and the impact it had on the economy, I lost my job as I was laid-off by my company as it attempted to cut down on labor to withstand the pandemic losses and also during this period I had a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and due to this, I experienced financial difficulties that resulted in missed payments on my account in the months of XXXX, XXXX, XXXX. I take full responsibility for these late payments and deeply regret any inconvenience they may have caused. 
I am pleased to inform you that I have since brought the account current and have made on-time payments consistently since XXXX. Since resolving this issue, I have taken significant steps to manage my finances more effectively and ensure that all my current and future accounts remain in good standing. 
I am currently in the process of preparing to purchase my first home, a significant milestone for me and my family. These late payments on my credit report are adversely affecting my credit score and my ability to secure a mortgage with favorable terms. 
Given my efforts to rectify this situation, I kindly request that you consider removing the late payments from my credit report as a goodwill gesture. This adjustment would greatly assist me in achieving my goal of homeownership and provide a fresh start as I move forward. 
For your reference, the account number used by the credit bureaus is XXXX. 
I sincerely appreciate your understanding and consideration of my request. Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I was alerted via credit monitoring ( XXXX ) that a XXXXXXXX XXXX  Credit card account was reported to my credit report with the name XXXX XXXX XXXX XXXX They are reporting an inaccurate address that I've never been associated with that is connected to the fraud claim : XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX. 

I HAVE A 7 YEAR FRAUD ALERT AND CREDIT FREEZE ON ALL 3 CREDIT REPORTS. THE INACCURATE NAME AND MULTIPLE ACCOUNTS BELONGING TO THAT NAME CONTINUE TO POPULATE ON MY CREDIT REPORTS. 

I have never been associated with that name. My credit file has been merged due to identity theft dating back to XXXX. My credit file has been in the Special Handling Department of XXXX as well as XXXX and Equifax due to accounts being reported to my credit report with account owners that have a similar name. 
The account is reporting a late payment also that has prevented me from moving and I am facing homelessness. I'VE NEVER HAD A XXXXXXXX XXXX CREDIT CARD ACCOUNT. 

XXXXXXXX XXXX  customer service and supervisors have not aided in resolving this issue. I asked for a corporate contact to file a complaint and I was told that one does not exist.
Product: Mortgage

It is with great desperation that I ask my file be review. I have received notice from Ditech servicing co. that my property will be sold XXXX/XXXX/XXXX. I have applied for a loan modification due to the fact that I lost my job with XXXX after 24 years.. I have collected unemployment and have not found a job as of yet. My struggle began about XXXX XXXX when a package was offered to me. While I did received a separation package with extended health benefits having to support a family of XXXX and a sick wife. I must tell you that I have depleted it and have began to use credit cards. My cash reserve including all liquid assets has been completely spent trying to hold on to the house, living expenses etc. I have now began to use my son 's savings account. 
Your assistance in this matter is greatly appreciated. I want to maintain my home. I have XXXX children. This is my only shelter. I am sure I will soon hope to have a job. Please help me keep my home. I was told that Ditech can help me through the " UP '' program This is a hard fall.
Product: Credit card

On XX/XX/year>, I received a new card for my Discover account in the mail, in which it was communicated my credit line was {$8000.00} ( I have email confirmation of the delivery ). After an expensive holiday season between my girlfriend and my families, I was nearing {$6000.00} used and started XXXX deciding to slow down spending in order to retain ~ {$2000.00} in case of emergency. 

On XX/XX/year>, I ended up needing to visit an emergency dentist for a broken molar. Due to the emergency nature of the visit, I was responsible for costs up front with the ability to submit a claim with my dental insurance for reimbursement afterwards. Upon costing out the procedures, I discovered that my credit line with Discover had been decreased to {$6500.00}, significantly reducing what I thought I had on hand for emergency. 

Due to this change in my financial situation came a change in my treatment. We were able to extract the tooth, but I was unable to afford an implant at that time. I instead had the gums sewn up where the tooth was. I will have to wait on my insurance claim in order to proceed with the implant. 

There is a high risk of XXXX that comes with this hole where my tooth should be. That can prolong my timeline to being able to get an implant. Should I wait too long, my mouth will heal in a way that will prevent me from being able to get an implant. In essence, this credit line reduction has put me in jeopardy of living with XXXX teeth. 

When I bridged this discussion with Discover, they told me that they had made and communicated the decision on XX/XX/year>. I received no mail or email communication of this. I only found notice with the help of my third representative in a XX/XX/year> phone call. 

I understand that my creditor reserves the right to adjust my credit line as they see fit, and that is not where my complaint lies. XXXX XXXX  ineffective communication of my credit line decrease, followed by a contradicting communication that my credit line was {$8000.00} led to a significant misconception of my financial situation. This impacted my dental treatments, landing me in a worse situation than I had anticipated.