23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to formally dispute the inclusion of certain accounts on my credit report, which I believe to be inaccurately reported. The accounts in question belong to XXXX XXXX XXXX XXXX  XXXX XXXX XXXX and LVNV, and despite my repeated attempts to resolve this matter with XXXX, the accounts remain on my credit report without any validation or proof of ownership. I disputed these accounts XX/XX/XXXX the closed them but will not remove from my credit report. The first account I wish to address is with XXXX XXXX XXXX. According to my credit report, there are two accounts associated with XXXX XXXX XXXX. The first account was opened on XX/XX/XXXX, with an alleged amount of {$770.00}. The second account was opened on XX/XX/XXXX, with an alleged amount of {$500.00} and XXXX XXXX XXXX XXXX with an alleged amount of XXXX. However, I have no record or recollection of opening these accounts with XXXX XXXX XXXX. Despite my requests, XXXX or XXXX has failed to provide any evidence or documentation validating the existence of these accounts in my name. Furthermore, there is an additional account attributed to LVNV on my credit report and indicating an amount of {$420.00}, allegedly opened on XX/XX/XXXX, also company XXXX XXXX XXXX XXXX for the alleged amount of XXXX. Once again, I have no knowledge of opening such an account with LVNV or XXXX XXXX XXXX  XXXX, nor have I received any correspondence or documentation regarding this matter. I have diligently sought resolution by contacting XXXX multiple times to provide proof of ownership for these accounts, yet they have failed to comply with my requests. It is deeply concerning that such accounts continue to negatively impact my credit score without proper verification. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and verifiable information on my credit report. Therefore, I kindly request your assistance in investigating these disputed accounts and facilitating their removal from my credit report if they can not be validated with proper documentation. Enclosed with this letter are copies of my credit report highlighting the disputed accounts for your reference. I appreciate your prompt attention to this matter and look forward to a favorable resolution. Please feel free to contact me at XXXX or via email at XXXX should you require any further information or clarification. Thank you for your cooperation and assistance. XXXX XXXX XXXX
Product: Credit reporting

Equifax has consistently refused a direct request by XXXX XXXX XXXX to remove negative reporting of their loan # XXXX XXXX XXXX XXXX XXXX California.This is in violation and has also been reported to The California Department of Justice.Equifax does not or has not looked at the word rescind which is used in XXXX XXXX XXXX language,
Product: Credit card or prepaid card

On Friday, XX/XX/XXXX I went to make an additional payment on my credit card and noticed that my balance hasn't changed much over time. I then noticed that I have been getting an additional $ XXXX- {$18.00} charge every month for a cash advance fee for well over a year now. 
This was odd because I have not used my card in over a year. I called customer service, transferred to a manger and was told that over a year ago in XX/XX/XXXX I got a cash advance for {$20.00}, total being {$23.00} with the fee. 
I have been trying to pay my balance down, I make extra payments and make over the minimum payment due. 
I was told that I have now paid {$850.00} for the {$20.00} bill I took out in XX/XX/XXXX. I was shocked and upset. I told them I send extra payments every month, etc., and asked how do I pay off the {$20.00}? I was told the only way I can pay off the {$20.00} was if I paid off my full balance first of almost {$1900.00} and until then I'll be forever paying for the {$20.00}, which for me would take a long time as I don't have that sort of money as a XXXX parent of XXXX kids to just send over {$1900.00}. 
I asked if there was anything that can be done or help with this matter and was simply told no. This is not right and seems unethical for a company.
Product: Debt collection

on my credit report of XXXX this debt I don't owe but it's showing up and on XXXX is not showing up so under the XXXX XXXX XXXX XXXX they must follow suit and remove this off my credit immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the collection agency a complaint letter  XXXX   XXXX ,2017 is the day the credit reporting agency received the letter to investigate a collection account on my credit report named  XXXX   XXXX   XXXX   XXXX  that is wrongfully being reported. It has been more than 30 days and I still have n't received a copy of the results. The file I submitted is a tracking for the letters sent.
Product: Mortgage

On XX/XX/XXXX, I entered a contract with XXXX XXXX. One of the stipulations was that my partner and I had to finance the home with the preferred lender in order to receive the incentives. We began the finance process first week of XXXX and had been in constant communication with both the loan processor and loan officer. Both by the names of XXXX XXXX and XXXX XXXX of Pulte Mortgage. Any documentation being requested was given within an hour of asking. We were set to close on our current home on XX/XX/XXXX. I received my initial closing disclosure early XXXX as my closing date had been pushed back 2 weeks. My initial closing date was on XX/XX/XXXX. Both my loan officer and my loan processor assured us that everything was given, and I should be receiving a clear to close fairly quickly. Weeks have passed and the file had been in underwriting several weeks and 2 days prior to closing I receive a call that my file had to be escalated. It later came to my attention that the loan processor had sent in an incomplete file. However, the mistake had been made, and it was too late. Leaving myself and my family homeless due to the sale of our home. My realtor asked would it be okay for us to communicate with loan officer to get a clearer understanding as to what had taken place. Upon us speaking with her she refused to provide any information to us updating as to next steps. She told my realtor to shut up and provided no empathy to the situation. I then contacted the builder to get some assistance to only find out that they are requesting more information that should have been received in the beginning. Being displaced and having to put my entire life in storage due to this we were unable to retrieve these documents. My partner works from home and without having a home it has forced him to be terminated by his employer. Pulte Mortgage had ample time to gather all necessary documents needed and requested. If there was something missing in the file, they should have asked about it sooner than later. I had uploaded approximately 30-40 different files over the course of 60days for this loan. They did not care of the inconvenience that they had caused us. After reading all of the reviews that are in reference to them, I should have taken heed, because these sorts of issues arise frequently across the US. Bad reviews on each platform is ridiculous
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX. 
Address XXXX XXXX XXXX XXXX, Florida XXXX Date : XX/XX/year> In accordance with the fair crediting report act. The list of accounts has VIOLATED my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I just looked at my credit report because I have huge goals. I am looking to buy my first house. I just wanted to make sure everything was reporting 100 % correct and everything was accurate. Can you investigate the completeness and accuracy of the list of accounts below. I am writing to dispute certain information on my credit report. 

I believe there is an error in the information provided, and I am requesting that it be investigated and corrected. The inaccurate information is damaging my credit profile and does not reflect my credit history accurately. as well as illegally charged off and sold to another collection company I request that investigate this matter and correct the disputed items as soon as possible. Please provide me with a copy of my corrected credit report once the investigation is complete. 

Thank you for your prompt attention to this matter. Please inform me in writing of the results of your investigation. 


Account name : XXXX XXXX XXXX Account XXXX : XXXX investigate the completeness and accuracy of every piece of information If it's not accurate, please remove it from my credit report. Original Creditor was ( XXXX ) Account name XXXX XXXX XXXX Account XXXX investigate the completeness and accuracy of every piece of information If it's not accurate, please remove it from my credit report. 

Account name XXXX. XXXX, XXXX Account XXXX investigate the completeness and accuracy of every piece of information If it's not accurate, please remove it from my credit report. 

Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX im a victim of identity theft..I was incarcerated the time this account was open I have all the supporting documents far as police report, verification of release from my probation and verification of release from police station ..I ask that these things be removed off my credit file they are causing pain and suffering I come home from XXXX and these things are effecting me ..I ask that these things be removed within a timely manner..I want to get this handled in a professional matter, this is a major lawsuit this is violating my rights and I will be forced to take legal actions please can we get this resolved without having to take the next step which is court I believe a family opened up this account because my documents came up missing while I was locked upthank you XXXX bless
Product: Checking or savings account

I had to order a replacement card for my account. I called in XX/XX/2023 and the customer representative said they placed the order and it would take 7 - 10 business days to receive it. I called in XXXX XXXX to inform them that I have not received it. That representative said an order was never placed but not to worry they just placed the order and it would take 7 - 10 business days to receive it. Once again never came. Contacted them again and was told a replacement card was never ordered but once again not to worry they are placing the order and it would take 7 - 10 business days to receive it. Never got it. Contacted them again and now it's 3 months later and I'm still waiting for a replacement card. In order to pay my bills I had to transfer money to my XXXX XXXX account which has cost me {$69.00} and I've asked to be reimbursed for because it's their fault someone didn't do their job right and I shouldn't have to pay for their mistakes. These are the fees. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

This debt that has been included in my XXXX bankruptcy keeps being reported to XXXX credit bureau. I keep disputing it and it keeps getting reported.
Product: Debt collection

This pertains to my account with paypal. Account : XXXX ( account numbers with paypal are kept this way ) On XX/XX/2018 paypal account receivables received my payment in the amount of XXXX ( document from paypal.com attached ) On XX/XX/2018 paypal account receivables cashed the XXXX and took money from my XXXX XXXX account ( document from XXXX XXXX attached ) Since than paypal did not apply the payment to my balance. 
On XX/XX/2018 paypal accounts receivables issued collection letter demanding payment of XXXX As of today ( XX/XX/2018 ) paypal account receivables is in possession of my payment ( XXXX ) and is not applying it to the balance. 
Why this amount is not applied as of now? Why did you choose to collect something that I do not owe as of XX/XX/2018
Product: Debt collection

This account has been found to be reported inaccurately with dates reported, incorrect balances owed, and in violation of my personal protective rights, which has not followed the guidelines of the CFPB. FCRA, and the Gramm Leach Bliley Act. Disclosure of my non-public personal information. I take this offense very seriously. Its implied attempts to harm my finances, my credit, and my livelihood. I've made several attempts to validate this account. With no response given. This lack of transparency and failure to regulatory requirements is unacceptable.
Product: Credit card

American Express lost its business relationship with XXXX, and the consumer was forced into doing business with XXXX moving forward. Prior to this merge I had a dispute that was submitted with American Express against a merchant that could not deliver ( after multiple opportunities ) on what I contracted them to provide. After providing American Express the information in the dispute and a short period of time, my account was credited the disputed amount and the matter closed. A month later my relationship with American Express ended with the end of their XXXX arrangement. A few months later and with my XXXX card this disputed amount mysteriously appeared on my statement! This was not a charge that was authorized on my XXXX card! It was a charge on my American Express card and the matter had been closed, as well as, my account with American Express was closed. Because of the account closure I was unable to discuss this fraudulent charge on my XXXX with American Express, I was directed to talk to XXXX. I have been back and forth dealing with a closed dispute with XXXX and a fraudulent charge that was NOT authorized by me. I have explained to XXXX that this is XXXX separate accounts, and no one is authorized to put charges on my card except for me the authorized user of this card! XXXX would like me to believe that the businesses merged and my account is with XXXX and that XXXX just took it over from XXXX, NOT American Express ; nonsense! Credit card relationships are unique to that credit card provider. American Express, and XXXX are separate business entities with separated agreements and terms and conditions. When American Express closed the account my relationship with them ended on that day. Any past disputed charges should be between American Express, the merchant, and myself ; not between a new credit card provider and a past closed dispute. PLEASE HELP!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my equifax credit report and found reporting XXXX XXXX XXXX credit card closed account which should not still be in my credit file. I took up the matter with XXXX XXXX XXXX and they say they are not responsible for that in my report and I should contact equifax. I informed my local DA office and they want me to contact equifax and if the matter is not resolved then I send them the information. This XXXX XXXX XXXX credit card should have been removed from my while ago but still continue reporting in my credit file.
Product: Debt collection

I recently received my credit report and noticed that their are fraudulent accounts on my report. please removed these accounts from my report as they are harming my ability to obtain credit
Product: Mortgage

This email was sent on XX/XX/XXXX to XXXX XXXX XXXX, CEO Consumer Banking XXXX XXXX XXXX, XXXX XXXX N.Y XXXX, XXXX I think it provides all the details of my complaint. 

I am writing to you about my problems trying to refinance my current home mortgage ( also with Chase ). You should know that I am a private client and have been with Chase for a number of years and have a respectable credit score. My application for the refi started in XXXX of 2020, and now almost six months later, it looks like it will be declined. During this process things seemed to change every week and additional information was constantly being asked for and I did send what was requested. In XXXX, the final straw was that my condo building did not have 100 % replacement for flood insurance ; my condo then increased the flood insurance to 80 % and not 100 % because doing 100 % would be at a prohibitive cost. I was then told that I could get flood insurance for my unit at 100 % by paying for it myself. 

My insurance agent thought it was ridiculous to get flood insurance for a unit on the 7th floor, even given the fact that the condo is located on Ocean side in XXXX, Fl. Additionally I was told that FEMA is not accepting applications for flood insurance at this time. 

I am now told by XXXX, XXXX ( XXXX, XXXX ) XXXX, that without the gap flood insurance coverage this loan will not be able to get approved. With my original mortgage there were some complications but I worked with one person and it was sorted out. I thought the refi. would be easy given my long history with Chase. It has not and I have had to be in touch with a number of Chase employees in addition to XXXX, including, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. 

Lastly I should mention I was informed that I would go to Closing on XX/XX/2020 and then that was canceled and never rescheduled. 

In addition to XXXX telling me my application will be denied she also said it would be a few weeks for me to get my {$500.00} deposit refunded. Both are surprises to me and not what I would expect to happen to a Chase Private Client. 

I was hoping you could explain to me why all of this is happening to me and perhaps help to have my refi approved. 

Thanks for your help.
Product: Credit card

Made an electronic payment multiple times each payment is being applied late and even when applied access to open credit limit is being denied for 14+ days .. when I reach out to understand why there is a delay in posting and access they share it is their policy, this is an unfair and adverse practice that XXXX XXXX is holding payments and once posted still placing hold on open credit limit access.
Product: Checking or savings account

XXXX XXXX, XXXX, XX/XX/1994, Contents of Complaint : I am writing to request and investigation of the following accounts I have NEVER opened or use the accounts listed below Im requesting the following information to be deleted from my Chex Systems consumer report immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Please be advised that this is my SECOND WRITTEN REQUEST asking to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). It is required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. 

XXXX XXXX XXXX XXXX XXXX XXXX, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. 

The company was not willing and able to produce any documentation that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Nor did someone within your company provided authenticated documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). 


The follow accounts are as follows : Name of Account : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I've asked TransUnion to verify XXXX XXXX XXXX XXXX sent them a letter certified getting no response for them I have no acknowledge that this account or nor do I know about this company
Product: Credit reporting or other personal consumer reports

To whom it may concern. I tired to correct this with experian in the past. They have XXXX names on my credit file thats not correct. XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX. None of these names i ever used. i would like them remove. The correct spelling of my name is XXXX XXXX XXXX XXXX Also i would like for my old address to get removed for my credit report which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please correct these few things. Thank You..
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. 
XXXX Inquiry Date XX/XX/2023 XXXXXXXX XXXXInquiry Date XX/XX/2023 XXXX  Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/2023 XXXX  Inquiry Date XX/XX/2023
Product: Student loan

In XXXX, my student loans were automatically placed into forbearance due to the COVID-19 Pandemic and in compliance with the Executive Order signed by the President which suspended payments. Then when the payment suspension was extended in XXXX, Navient listed my account as being past due for XXXX  days and didn't extend the payment suspension to my account. When I called, Navient suddenly claimed my Federal loans were not eligible for the payment extension and reported my account as being past due. I have asked them to remove the derogatory remark and Navient has refused. Thus, I am seeking assistance in getting the XXXX payment delinquency removed because my loans did, in fact, quality, under the XXXX order.