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

XXXX XXXX XXXX XXXX XXXX XXXX, Al, XXXX SS # XXXX XXXX XX/XX/XXXX XX/XX/XXXX Dear Sir or Madam, I am writing to formally dispute for the 3rd time! the accuracy of information listed on my credit report. In accordance with the Fair Credit Reporting Act, Section 1681i, I request a reinvestigation and correction of the following information : Name : XXXX XXXX XXXX Account NumberXXXX Date OpenedXXXX Balance {$7300.00} Name : XXXX XXXX  Account NumberXXXX Date OpenedXXXX Balance {$460.00} Name : XXXX XXXX XXXX  Account NumberXXXX  Date OpenedXXXX Balance {$130.00} Name : XXXX XXXX XXXX Account NumberXXXX Date OpenedXXXX Balance {$14000.00} XXXX believe these accounts are inaccurate and the information is incomplete Please investigate this matter within the 30-day period as required by law and correct or delete the disputed item from my credit report if it can not be verified. If the item is verified, please provide me with the method of verification as required by the FCRA. Thank you for your attention to this matter. I look forward to your prompt response. This information is harming me mentally and financially. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute a hard inquiry listed on my credit report, which I believe to be unauthorized. The inquiry was made without my consent or knowledge, and I have no affiliation with the organization that initiated it.
Product: Debt collection

My loan was sold to this company without my knowledge. When I became informed of it I made my payments so I wouldnt get behind on the loan. But the day after the payment is due, if I have not paid the monthly installment the company calls all hours of the day 6-9 minimum each day, including weekends. I can not get them to stop.
Product: Student loan

Over the past year or two, I have been set up on a lower payment plan from Navient, taking the amount down from around {$1300.00} to around {$700.00}. I recently in XX/XX/XXXX called on XX/XX/XXXX to renew this lower payment. Out of nowhere I was told that the procedure had changed, which I was not told about prior to this call. I was told to call in XX/XX/XXXX before the payment date of XX/XX/XXXX to renew for the following payment month. The lower payment used to be based on solely my income, but now they are asking for my co-signers income. He is refusing to help me. If my amount goes up it will be more than my monthly salary and I physically will not be able to do it. This is causing me extreme stress. I want to pay but if the amount gets any higher I wont be able to. I am struggling as it is with the lowered amount.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Credit Report Information Under 15 U.S. Code 1681o To Whom It May Concern, I am writing to dispute an item on my credit report that I believe to be inaccurate and is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, the information contained in my credit report is incorrect and has caused harm to my creditworthiness.

I request that you promptly investigate the matter and correct or remove the erroneous information as required by law. Under 15 U.S. Code 1681o, a consumer may seek damages for negligent violations of the FCRA, including any damages caused by inaccurate information reported to consumer reporting agencies. I am requesting that you conduct a thorough investigation of the information in question and provide me with a copy of the results.

Please be advised that, according to FCRA guidelines, you are required to conduct a timely and reasonable investigation of any disputes, typically within 30 days of receiving this letter. If you determine that the information is inaccurate, I request that it be corrected or deleted from my credit report. I also ask that you provide me with a written response indicating the actions taken regarding my dispute.

In addition to the above, I would like to remind you of your legal responsibility to ensure the accuracy and integrity of the information reported to consumer credit agencies. Should you fail to resolve this dispute in a timely and accurate manner, I may seek legal remedies available under 15 U.S. Code 1681o, including pursuing damages for any harm caused by the negligent reporting of incorrect information.

Please notify me as soon as your investigation is complete. I look forward to your prompt resolution of this matter.
Product: Credit card or prepaid card

i have a best buy Citigroup credit card. i mail out my payment befor XX/XX/XXXX18 the due date. i aslo pay my bills on time. on XX/XX/XXXX18 i received call from them that im late i told the person the payment was mail out and im not late please dont call me agian. that was a t XXXX. then at XXXX on XX/XX/XXXX18 i recevied the same call. i told them i mail out my payment and a stop harassment me. i'm never late on my credit bills. i told thm they is a grace period stope call me. i never late. they continue to harassment me.
Product: Debt collection

During time we had a tenant in our property she over flowed an upstairs toilet and it leaked all the way down to the first floor into the kitchen. our insurance contacted a contractor to do the repairs, when we regained the property after having to evict our tenant due to a diff circumstance we received an additional bill from the contractors and I emailed them a response as there was still holes in the wall above our cabinets, you could plainly see where they cut out squares in the ceiling and the texture spray was coating every fixture and something that was caustic was leaked on the island which left a large spot where the gloss and some color was removed. I emailed the company about this and they never replied and no they have a debt collector calling myself, my daughter, my husband, and all of our friends on XXXX they can see who has their phone number listed. I got a message from a friend last night at XXXX XXXX stating XXXX XXXX from United Credit and Collections XXXX XXXX XXXX XXXX XXXX MO XXXX called her. This person has our phone numbers and our home address as he has sent us notification via the mail, so he is only calling everyone we know in an attempt to shame or embarrass u and is breaching our privacy, and the privacy of friends we have on XXXX.
Product: Debt collection

Dear CFPB, I want to report that there has been FOUR different entities claiming ownership of the alleged Note on my XXXX XXXX XXXX XXXX XXXX, CA XXXX property in the last four months. These entities are XXXX XXXX XXXX XXXX XXXX, as Trustee to Series XXXX XXXX, XXXX XXXX XXXX, Trustee to the XXXX Trust X, XXXX, XXXX XXXX, and XXXX XXXX XXXX Trustee to the XXXX XXXX XXXX XXXX.

On XX/XX/XXXX I served a QWR and Debt Validation Demand Letter to XXXX XXXX the new servicer effective XX/XX/XXXX. Copy of QWR Attached.

Attached are the four correspondence letters for confirmation from the following entities including XXXX XXXX XXXX., XXXX XXXX and XXXX First, on XX/XX/XXXX, XXXX XXXX acknowledged that the beneficial interest was assigned to XXXX XXXX XXXX XXXX XXXX, as Trustee to Series XX/XX/XXXX-XXXX Trust. Also included on the correspondence was a Lost Note Affidavit dated and notarizedXX/XX/XXXX.

Second, On XX/XX/XXXX XXXX XXXX acknowledged that the current owner of the note was XXXX XXXX XXXX, Trustee to the XXXX XXXX XXXX.

Third, on XX/XX/XXXX, XXXX XXXX acknowledged that XXXX, XXXX XXXX was the owner of the note. In addition XXXX XXXX confirms that they have the collateral file, which includes the wet-ink signatures Note for this account. Copy attached to the Correspondence Letter.

Fourth, on XX/XX/XXXX, XXXX XXXX   acknowledge that the investor owner of the note is XXXX XXXX XXXX Trustee to the XXXX XXXX XXXX  Trust.

I'm demanding immediate cancellation of Trustee Sale scheduled for XX/XX/XXXX and rescission of all the fraudulent, forged, robosigned documents, assignments, notice of defaults and notice of trustee instruments recorded on my property XXXX XXXX XXXX XXXX, CA XXXX recorded at XXXX   County Recorders Office. Please email immediate cancellation of trustee sale confirmation to my email XXXX and respond to my QWR Demand Debt Validation letter pursuant to my FDCPA, TILA, RESPA, FCRA consumer protection rights.

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

XXXX XXXX XXXX is still reporting incorrectly to Equifax and XXXX. The collection company had agreed to delete these line items in XX/XX/2019 four months ago - however this is still appearing on my credit report. ( Please see page 12 of the attached credit report. ) This incorrect reporting is harming my credit score.
Product: Credit reporting or other personal consumer reports

Full name requires correct input to software for proper database storage and name association with XXXX ( XXXX ) full name XXXX XXXX. abbreviation name mandate was entered into system with excess characters to first name that is XXXX characters and autoformat unable to place space independently did not provide bank credit report or consumer report to excess character input. During interview the XXXX entered name into database incorrectly due from routine and did not enter XXXX character first name as mandated with XXXX ( XXXX ) abbreviation rule with space. There's no lower case letters allowed before the shortening of a name the bank has on file with association to Social security number an XXXX ( XXXX ) computer input error where abbreviation was ignored and credit denied.
Product: Debt collection

I received a phone call from Hunter Warfield debt collectors in XXXX XXXX stating that I had guaranteed a load for student housing for {$6400.00}. I told that that I have never guaranteed any kind of loan for anybody in my lifetime the reference number for that acct is XXXX they asked for two forms of ID drivers license and another which I am skeptical to provide. I went to my local police dept to request a copy of the police report that I filed on another case and I will be sending that to them as soon as I get it. This is not my debt someone used my name to get this
Product: Mortgage

Nationstar Mortgage has not been posting and keeps correct recordkeeping of my monthly payments. As early this year ( XX/XX/XXXX ) I faxed proof of XXXX payments that had not posted of cancelled checks that was cashed by Nationstar that was not posted or counted for on my account. They still have not corrected the issue as of yet. My bankruptcy attorney ( XXXX XXXX ) has also contacted them to help clear this issue. They have added money into the escrow, which did not need to be added. I have been in the process to sell my house all year. I keep getting final payoffs with additional things applied and several different explanations from their employees about the final payoff. I had filed bankruptcy chapter XXXX in XX/XX/XXXX which my house was not included in the case. I am getting explanations from Nationstar that the trustees has a hand in this. Also my attorney tried to apply for a short sale on the property. They kept saying they did not get documents, in which the short sale was done through the equator system by my attorney. Nationstar did not inform us that were denied until I called them. My attorney has clarified it does not have anything do with me filing bankruptcy and it does not show in the XXXX system that the house is included in my bankruptcy I am very frustrated because I stop mailing in checks and have been calling in my payments bi-weekly with adding an additional {$19.00} to make sure the payments are posted. Nationstar does not keep accurate records of mortgage payments being made and do not follow-up conversations to help you out. The same person does not resolve or help you with your issue. They had disconnected me several times to come back to the phone and help you out. Very bad customer service helps when trying to expedite and resolve an issue. All I need is to get a correct and reliable payoff statement so I can sell my house. Please help me I am stressed and tired of calling and explaining this same issue for months. They full of not telling the truth about your account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. After reviewing my report on XX/XX/XXXX, I have found multiple inaccuracies and violations. The Credit bureaus stated my account for XXXX XXXX Acct # XXXX was properly investigated but how it that possible if there are multiple inaccuracies on my report? I have listed them : 1. Date Opened- inaccurate 2. High Credit- inaccurate 3. Credit Limit- inaccurate 4. Payment Status inaccurate 5. Last reported inaccurate 6. Date of last activity- inaccurate 7. Date of Last Payment- inaccurate Two-year payment history shows Transunion and XXXX shows no history XXXX 30 day past due and XX/XX/XXXX shows 60 days past due for XXXX. This is grounds for removal! My rights have also been violated under 15 U.S.C. 1681 Section 602 A which state that have the right to privacy. 15 U.S.C. 1681Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without written instruction. I never gave written instruction! This one account on my credit report has 11 violations.
Product: Checking or savings account

N26 BANK NOTIFIED ME THEY ARE CLOSING MY ACCOUNT. THEY CLAIM THEY ARE SENDING ME A CHECK FOR MY ACCOUNT BALANCE WHICH ISN'T MY ACTUAL BALANCE. THEY ARE MISSING DEPOSITS TOO. THEY REFUSE TO PROVIDE ME AN ACCOUNT STATEMENT OR TRANSACTION LIST. THEY ARE REFUSING MY REQUEST TO REPORT FRAUDULENT TRANSACTIONS. 

THERE RESPONSE WAS TO LAUGH AT ME ON THE PHONE AND HUNG UP MULTIPLE TIMES. THIS BANK IS A TOTAL FRAUD AND SHOULD BE SHUT DOWN. THEY OWE ME THOUSANDS OF DOLLARS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recivex a reponae from this comaony stating ... .According to our records, you submitted an online application for credit to XXXX, a fulfullment partner for Flagship, via XXXX, which was forwarded to Flagship on XX/XX/XXXX, at XXXX XXXX, in connection with the potential refinance of a XXXX XXXX XXXX ( the Vehicle ). We reviewed the information provided by XXXX and have confirmed that the name, address, e-mail address and telephone number match the information provided in your complaint. 

How can a third party send information on another party behalf and get away with this process?? I never authroized for a hard pull on my credit report.
Product: Vehicle loan or lease

I have contacted Bridgecrest on a number of diffrent times to try and fix this account .I contacted Bridgecrest and explained to them in detail the car was totaled and recovered at a tow place in XXXX XXXX I tried to get info on the car they would not give me and I tried to go though the police department still no help.Bridgecrest is reporting on my credit report that the car was repossessed/recovered and that is inaccurate .The car was never recovered and I was never sent XXXX  documents about the car .Bridecrest is XXXX of the worse companies when dealing with customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Product: Vehicle loan or lease

The account with XXXX XXXX XXXX XXXX in the amount of XXXX was closed due to repossession on XX/XX/2017 and I would like for the tradeline to be remove or deletes from my credit report..
Product: Checking or savings account

I called the Wells Fargo XXXX customer sevice number this am to check on my latest debit card withdrawal because it was not showing up online or in the automated system. The customer service representative told me my checking account had been overdrawn by {$700.00} dollars. This is a lie. She said I could talk to her supervisor., but it's on record and there is nothing I can do about it.Again, This is a lie even though it is on record.
Product: Credit card

My name is XXXX XXXX XXXX, I'm a US citizen working in XXXX since XX/XX/XXXX and have been employed here. Since then, which is now almost 2 years, I have not been back in the US. Copies of my passport entry and exit stamps from the immigration shows that very clearly. 

In my absence, while I was working in XXXX, my credit card was used between XX/XX/XXXX - XX/XX/XXXX in XXXX, New York, for purchases worth {$2400.00}. Now, please note that during this time I was employed in XXXX, and to prove that I've submitted my pay-slips to the bank via email for both months when these transactions took place. How is it possible that I was physically employed in XXXX and at the same time making the transactions in XXXX? How is it possible that my passport clearly shows no entry during this period, yet still the bank is forcing this amount on me without any proper investigation. 

Furthermore, I've sent the Citibank fraud investigation department several email since this amount reflected on my account. They neither respond nor do they provide any indication that shows a fair investigation is being conducted. I am under enormous mental stress due to the bank 's callous attitude and now have been prescribed XXXXXXXX XXXX XXXX to deal with the stress. I need this matter to be investigated fairly. I have provided multiple times the evidence to the bank via email yet no response. I've also submitted a copy of my last air ticket that clearly shows my exit from the country, if the immigration stamps didn't already prove my point.
Product: Vehicle loan or lease

In late XXXX my XXXX vehicle was totaled in a XXXX XXXX. There was {$3400.00} due on the loan. 
My insurance company, who has been absolutely wonderful, attempted several times to get CLEAR information on the payoff amount and where to send the funds. 
After many calls from them and myself to Chase we were finally provided an address and instructions to complete the payment. 
I have to say that the associates I spoke with were rude and not helpful. I managed the XXXX XXXX XXXX XXXX XXXX XXXX and these people need training on customer service. 
I just today, XX/XX/XXXX, spoke again to Chase and they have their own agenda and do not allow customers to speak. I finally stated that the first check the insurance company sent had never been applied, it was stopped and a new one was issued. I wanted to be sure my credit would not be impacted. I was told that was a different department. When I asked to speak to that department I was denied. 
I firmly believe the first check reached Chase and their incompetence is why was lost and not applied. I do not want that reflected on my credit.

Chase has made this entire transaction far more difficult and painful than it had to be.

I was actually told to make another regular payment to insure there would be no credit impact and that Chase would refund any over payment. I understand the idea BUT, I have NO trust in Chase to refund anything. They are incompetent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is currently reporting " XXXX XXXX XXXX '' to my credit report, as of XX/XX/23 this account was reported as a collection or closed account. Although the collection agency and I have requested that it be deleted. The debt was paid in full. I've also submitted a dispute with Transunion, and nothing has changed unfortunately. It is against the law for Transunion to report incorrect information to my report.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and saw these fraudulent accounts that are significantly damaging my credit, please remove this that is affecting my ability to have credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a FHA mortgage with XXXX from XXXX XXXX XXXX with good standing however was transferred to Nationstar Mortgage LLC XX/XX/XXXX and home was taken over by a real estate agent and I was locked out of home in XX/XX/XXXX after he entered home without legal course and took everything out of the home. I had made numerous complaints to various authorities about their practices to no avail for they were taking out fees, late fees, inspection fees, advance corporate fees, admin fees, etc with my escrow depleting it and then allowed a third party company XXXX XXXX out of XXXX to release my personal information to keep me in a position to where I was unable to refinance, making my credit score get down into the XXXX 's at some points and then continued to push me into a corner for inability to seek resolution while being denied for XXXX due to my XXXX XXXX  being altered by someone according to what they said, it was altered by their doing not mine. I felt that they were invading upon my privacy as a consumer and person that was unable to seek resolution from these people. I now have a foreclosure on my report and they did not have proper legal recourse to the home. When speaking to them they have stated it was an XXXX to foreclosure to short sale, so there are discrepancies with my credit in the amounts, dates, and other relative information on credit report to them also reporting an account being open until XXXX when I was forced out in XX/XX/XXXX. They have told me that the account was still open and had activity which was not my activity however the real estate agent as well Nationstar that needed to be responsible for said information not under my account number, there were other chain of events overall from XXXX XXXX XXXX  as well that I have not included in this complaint due to the numerous events that continued to occur. They continue to report inaccurate information to limited data on credit reports and I am seeking to have some resolution.