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

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the Experian and XXXX credit bureaus XX/XX/XXXX, but I never received a response. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Mortgage

I sent my XXXX payment to Panorama Mortgage group LLC on XX/XX/XXXX. Since sending that payment the company has lost my payment and not applied it to my account. I have continued to receive letters stating I am in default when that is not the case. I provided Panorama mortgage group with proper documentation, They have just sent me a letter now claiming that we have no insurance on our home which is not the case we have a clear policy and they have not paid the policy. Every time I call to resolve the issue I am left more frustrated and upset then before.
Product: Credit reporting

I have XXXX accounts that is fraudulent : XXXX XXXX mastercard and XXXX mastercard. I have requested a signed original credit application with my signature. I have not received the credit agreement with my signature as requested. These accounts have not be validated nor verified properly. This accounts is damaging to my credit score and I want them removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was paid in full and should never have been turned over to collections. We paid this balance in full, {$200.00} was paid on XX/XX/XXXX another {$200.00} was paid on XX/XX/XXXX and {$380.00} was paid on XX/XX/XXXX. On XX/XX/XXXX the company still attempted to collect a payment of {$480.00} by sending me a debt collections letter saying we had 30 days to dispute but then they reported a collections on my credit on XX/XX/XXXX after the debt was paid in full. When we reached out to the company on XX/XX/XXXX to dispute this and have this corrected we received an email back from XXXX XXXX on XX/XX/XXXX stating that it was due to an internal error on their part and that we were actually getting money back because their system was reporting incorrectly. The collections still remains on my credit and should be removed.
Product: Credit card or prepaid card

I have a loan with XXXX XXXX  XXXX/XXXX  XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and ( Account Name ) with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 30-59 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2500.00}, {$500.00}, {$6000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2500.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6000.00} -This is not my account.
Product: Debt collection

I have submitted a debt VALIDATION letter to XXXX XXXX XXXX and it's original creditor XXXX/XXXX  on XX/XX/2018. In the letter ( attached ) i asked to have the debt VALIDATED by showing proof of agreement with a bearing signature and proper documentation that allowed them to report negatively on my credit file. XXXX XXXX XXXX AND XXXX both responded with a bill instead of actual proof of this account being owed by myself. XXXX XXXX XXXX is reporting to my XXXX and XXXX is reporting to all 3 of the credit bureaus ( XXXX, XXXX, and XXXX ). So i am taking two hits on XXXX by the same debt. This derogatory and offensive account is critically hurting my credit score and has caused several denials with banks. Neither XXXX XXXX XXXX or XXXX can properly VALIDATE this debt being valid and i would like this negative reporting removed from my credit file.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against your organization for the persistent failures to correct inaccuracies related to both a late open account and a charge-off on my credit report. Despite numerous attempts to address and rectify these errors, my credit report continues to contain information that is materially inaccurate, causing significant harm to my financial standing. 

I have followed the dispute resolution procedures as outlined by your agency diligently, providing extensive documentation and evidence supporting my claims of inaccuracies in both the late open account and charge-off. However, your organization 's repeated failures to correct these issues are inflicting substantial harm on my creditworthiness and financial stability. 

It is essential to stress that the Fair Credit Reporting Act ( FCRA ) places a legal obligation on credit reporting agencies to ensure the accuracy of the information contained in credit reports. Credit reporting agencies, such as yours, are mandated to conduct thorough investigations and make necessary corrections when inaccuracies are identified. 

Despite my unwavering efforts and the evidence I have submitted, I continue to experience the following adverse consequences due to the inaccurate late open account and charge-off on my credit report : Difficulty obtaining credit or loans at favorable terms. 
Higher interest rates on existing credit accounts. 
Substantial harm to my creditworthiness and financial opportunities. 
I hereby formally request that your organization takes immediate and resolute action to investigate and correct the inaccuracies associated with the late open account and charge-off on my credit report. If it is determined that these items are indeed inaccurate or incomplete, I insist on the following actions : Prompt correction of my credit report to accurately reflect my financial history and creditworthiness, including the removal of the charge-off. 
Removal of any derogatory or inaccurate information associated with these accounts. 
Provision of written confirmation of the correction and any updates made to my credit report. Enclosed with this letter, you will find copies of all previously submitted documentation, including supporting evidence, dispute correspondence, and any other pertinent materials. I trust that this information will expedite your investigation and lead to the swift resolution of these issues. Kindly assist me to correct or remove these accounts : XXXX XXXX Balance Owed : {$6700.00} Date Opened : XX/XX/XXXX  - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX XXXX Balance Owed : {$0.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Product: Credit reporting or other personal consumer reports

EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX. XXXX On XX/XX/XXXX @ XXXX XXXX  I sent a Certified mail to the companies XXXX XXXX XXXX XXXX XXXX XXXX of my Data leak on the Dark Web, the printed page from EQUIFAX Data Breach site showing I was affected by their Negligence of protecting my data. A Cover Letter with Directions explanations and amounts Im immediately owed and what will happen if they dont comply and respond appropriately with my Money in various options and I have a invoice for Due damages in correlation to every thing. 
I will be including the certified mail receipt and the return receipt I got back on XX/XX/XXXX showing that they received it, signed for it and yet I never got my Payment transferred from them to either my treasury account I provided or in the mail in a money order, Check, Or cash at my residence on XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, California. ( XXXX ) I gave directions on how to do everything and the timeline they have to pay and that their non response or Acquiescence will be proof of all statements, claims and violations made against them standing as Fact and truth and Acceptance. Equifax is in Violation of federal /State laws and regulations 15 usc 1681 ( s ) 2, 15 usc 1666 ( d ), 15 usc 1692 ( k ), 18 usc 1961, and correlated codes of the CFR, FDCPA, FTC and CCPA.

I notified them of a finding that they have securitized my account by using my SS # and to provide me with my 80 % of past present and future profits from my securities as my security intermediary and I as the Entitlement Holder of the Account.

I expect a immediate Payment and Response on my Cell Phone, Mail notifying me of the payment processed and corrected my account thank you My affidavit, exhibits and receipt of sending and receipt of return with their signature on it showing they received it. Will be in my uploads so they cant pretend they dont understand or know what Im talking about. I am demanding payment not a service or anything else Payment Payments Money!!! 
Total XXXX for Data-breach failure to continue reporting fraudulent accounts and inquiries and information on my account. They have 3 days to resolve this matter seeing as I have done my Administrative Process and will be filing with the XXXX XXXX XXXX for Said amount plus noncompliance.
Product: Debt collection

Wakefield & Associates took more than 5 days to send a " verification of debt '' letter from first contact. I had to call back 2 times after the initial call to gain a letter. I disputed the debt immediately when I requested the validation of debt letter. More than 3 weeks later, I received their verification letter. I responded in writing via certified mail within 30 days requesting further information, and also in written request that further communication be done in writing. W & A has continued to call on my cell phone, neglecting my request to further our communications in writing. It has been more than 30 days since they have received my letter, and they have not provided any further information. I would like this matter resolved as they continue to call me demanding the debt and have not validated that I own the debt.
Product: Credit reporting or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$410.00} XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

When I checked my credit report this morning, I was shocked to see inaccurate accounts listed, and I have no idea how they got there. I routinely check my credit, and this has never happened before. Thinking it might be a glitch, I refreshed the page, but the errors were still there. Im feeling so overwhelmed, and Im pleading for the documents Ive submitted to be reviewed thoroughly so I can finally stop worrying about this.
Product: Credit card or prepaid card

I authorized a moving company to charge a {$100.00} deposit for moving services to reserve equipment and staff availability on the day of my move. The move took place and a dispute arose regarding the completion and performance of the work requested. At the end of the service, no invoices or statements were tendered to me for approval or payment. Subsequently XXXX charges appeared on my on-line credit card statement totaling in excess of {$8000.00}. These charges were made on my account by the moving company without my knowledge or authorization. I promptly notified my bank, the issuer of the credit card, of these fraudulent charges and filed a written complaint. Additionally I sent a letter to the moving company explaining the matter in detail and requesting that they contact me so that we could attempt to resolve the matter. The company never responded to my correspondence. I worked with the banks case XXXX to provide additional detailed information about the matter and submitted it all in writing. I was advised by the case XXXX that the moving company responded to the bank providing a copy of a contract and invoices, all of which bore my forged signature. I have never seen any of those documents until they were provide to me by the bank. I explained all of this in writing to the case XXXX. I received correspondence from the bank today advising me that it could not assist me in resolving the dispute as I received the services represented by the transaction. This is not true and is solely based on the fraudulent and forged documents created by the moving company on which to base its representations. Neither the bank nor the moving company addressed or mentioned the issue of the fruadulant credit card charges. The bank has no entered the charges and final and owing on my credit card account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX SSN : XXXX DOB : XX/XX/XXXX XXXX  XXXX. XXXX XXXX XXXX, GA XXXX Experian XXXX. XXXX  XXXX XXXX, TX XXXX XXXX Fraud Victim Assistance Department XXXX XXXXXXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
EXPERIAN 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 Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures Identity Theft Report Proof of identity : Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter dated XX/XX/2021 from Wells Fargo Bank, N.A. XXXX XXXX XXXX, XXXX XXXX, SD XXXX the subject of which was : Decision about your recent application for a deposit account I MADE NO APPLICATION FOR A WELLS FARGO DEPOSIT ACCOUNT Wells Fargo said they were unable to open a deposit account because of information from the following reporting agency : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX I made no application to Wells Fargo and have never heard of this reporting agency before. I visited the reporting agency website but did not initiate contact. 

I hope Wells Fargo is not opening up accounts on their own again and I hope this reporting agency is not using this to gain access to personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

on the date of XX/XX/23 i sent a letter to XXXX XXXX XXXX to dispute the account that they are reporting on my XXXX XXXX report XXXX XXXX XXXX XXXX {$970.00} Act # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX | ( XXXX ) XXXX It has been over 30 days and they never responded to my resquest. Please delete this account since they did not honored my request within the time allowed by the law.
Product: Student loan

On or about XX/XX/2017 I called Navient to request the Certificate of Title of all of my loans. I was transferred about 5 times to different reps who claimed they had never heard of that document and that it did not exist.
Product: Debt collection

Midland credit management is attempting to collect on a debt that is not mine. I have started receiving collection letters from them in XXXX of this year stating they are collecting on the bad debt that they purchased from XXXX bank for the amount of {$2200.00} for account # XXXX however, I never had a XXXX bank credit card or any other XXXX bank accounts ... I have contacted XXXX bank who confirmed there was NO bad or any outstanding debt from my to them. THIS IS AN ILLEGAL COLLECTION AND MIDLAND IS NOT WILLING TO DELETE THIS FROM MY CREDIT REPORT EVEN AFTER I SERVED THEM WITH A LETTER FROM XXXX BANK STATING THERE WAS NEVER A BAD DEBT IN MY NAME WITH THEM!!!
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX Account Number : XXXX
Product: Student loan

Subject : Request for Compassionate Consideration - XXXX XXXX XXXX Dear XXXX XXXX , I am writing to you with a heavy heart in the wake of the unimaginable loss of my beloved grandson, XXXX XXXX XXXX Just two months after I made the sacrifice to pay off his student loans in full, our family was shattered by his sudden passing. 

As his co-signer, I entered into an agreement with XXXX, who was working in his field of study, hoping to support him as he built his future. In XX/XX/year>, I refinanced my home mortgage to pay off his student loan debts totaling {$170000.00}, as the interest was accruing daily. This was a heartfelt decision made out of love and hope, but little did we know that fate had other plans for us. 

Now, as we navigate the profound grief of losing XXXX, I am reaching out to request your compassion and understanding. His passing has left our family not only heartbroken but also facing financial uncertainty. My husband is XXXX XXXX XXXX and I am XXXX XXXX XXXX, struggling to make ends meet, and the weight of recouping these losses is becoming increasingly burdensome. 

I implore you to consider the extraordinary circumstances surrounding XXXX 's death as you review our situation. I have already endured so much pain and sacrifice to ensure that his education was fully supported. Now, I find myself grappling with the impact of loss compounded by financial strain. 

I am aware that XXXXSallie Mae has guidelines for death discharges, and I respectfully ask you to consider the human side of this tragedy. XXXX was an exceptionally smart, creative, and respectful young man with a bright future ahead of hima future that has been cruelly cut short. The degree he worked so hard to achieve is hanging on his bedroom wall is now a bittersweet reminder of his potential and the financial obligations that he has unfortunately left behind. 

I kindly request your consideration for a refund or any alternative solutions that could alleviate the financial burden our family is facing. I ask that you approach my request with empathy and an understanding of the pain we are enduring. 

Thank you for taking the time to read our story. Your compassion during this challenging time would mean the world to us. 

Sincerely, XXXX XXXX On behalf of XXXX XXXX XXXX
Product: Debt collection

Complaint Against : XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXAARGON Collection Agency ( XXXX XXXX XXXX XXXX ) Charges in DISPUTE : Annual Physical covered at 100 % under the XXXX XXXX XXXX XXXX XXXX Keeps billing me for covered service due to their billing system 's inability to code tests as preventive. 
Had more than 10 conversations with the billing department, Practice manager ( XXXX XXXX ), collections Agency ( to dispute charges BUT they keep calling ) ; ALL INVAIN. 

On multiple occasions, I had conferenced the XXXX XXXX Billing and XXXX XXXX XXXX, and myself to resolve this issue. 

On XX/XX/2019 I spoke AGAIN with XXXX XXXX who said that since they can not correct the billing issue she is going to write off the two amounts of {$23.00} ( doctor ) and {$98.00} ( Lab ). 

I have not had any confirmation to date and she is no longer taking my calls. I keep informing the collection agency that this debt is NOT MINE and they should send this dispute back to XXXX. They still keep calling me! 


This predatory practice seem to be the norm at XXXX billing as I have gotten the same complaint for my mother and some friends. It appears that the actual practice has no control over the billing department and the billing department would rather harass the customer than fix their billing software. 

I am filling this complaint on principal. Please investigate.