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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Notice To Update My Personal Information To Whom It May Concern : I am writing to update/correct my personal information on file with your company. As there are a series of inconsistent, inaccurate and false information showing based on my observation. 
REMOVE : 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 update my name to XXXX XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX My only employer is : I do not wish to have employers listed on my report for my safety and privacy I do not wish to have any telephone numbers on my report. 

I do not have any other names or aliases, and I do not desire any other names or aliases to be retained or reported on my credit profile. I do not have any other address or addresses associated with my name other than the address listed above. Please remove all the other addresses, names, social security numbers and phone numbers from my report, as they are not deliverable to me by the U.S. Post Office, or they are not associated with me and are not reportable as per FCRA, since they are inaccurate. Please send me my updated credit report showing these corrections made. Looking forward to your response. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

COLLECTOR FAILED TO VALIDATE IN A TIMELY MATTER, IGNORED CEASE AND DESIST DEALING WITH ORIGINAL CREDITOR, THIS IS CREDIT REPORTING FRAUD. 

MIDLAND IS IN VIOLATION OF THE DODD-FRANK ACT FDCPA FCRA
Product: Credit reporting or other personal consumer reports

I sent in copies of my irs letter and police report showing proof that this account is not mines and was open fraudulently and they refuse to remove this debt of ny credit report. They are reporting a name that I never had under my social
Product: Debt collection

Would you kindly ensure the expeditious removal and blocking of these fraudulent accounts from my credit report? These entries are unauthorized and may signal fraudulent behavior. Taking immediate action is crucial to protect the integrity of my credit profile and prevent any additional unauthorized access. Your prompt attention to this matter is greatly appreciated.
Product: Debt collection

They have called prior to XXXX ( Have voicemails with time stamps as proof ) Instances that occurred XX/XX/year>, XX/XX/year> and the payment is 1 day late they are not following XXXX XXXX and allowing 10 days for mailing time of payments
Product: Vehicle loan or lease

Reached out to lender, no action taken, no response given.
Product: Credit reporting

A few months ago I ended up filing some disputes because there was incorrect and incomplete information on my credit report. So I prepared a nice letter and sent it with a copy of my driver 's license, proof of my social security number and proof of my mailing address so that Experian would be able to verify my identity. 
It has been at least 2 months since I mailed my letter and I have n't heard back. When I try calling their XXXX number they want a report number before I speak with an agent and since I do n't have XXXX I ca n't speak to anyone. 
I thought that the credit companies had to respond back to me within 30 days otherwise they are supposed to remove things from my credit report?! 
Well it 's been way more than 30 days and all of the stuff I disputed is still there. I know I can go online and buy a credit monitoring service and try to dispute things online but I thought that Experian is supposed to help me for free! 
I 'm at the point where I 'm done wasting time and need to get this fixed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been noticing suspect emails and activity on my credit report and bank accounts. I was exposed in several data breaches that resulted in my personal information being taken by scammers. I am now positive that someone has been using my information to open accounts and or make changes to existing accounts. After reviewing my report I noticed several fraudulent accounts.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Date ] Early Warning Services XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccuracies on Credit Report Dear Early Warning Services, I am writing to formally dispute certain inaccuracies in my Early Warning Services report. My full name is XXXX XXXX, and my Social Security Number is XXXX. I have identified several errors that I believe require correction.

The specific inaccuracies are as follows : Bank Name : NAVY FEDERAL CREDIT UNION Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Consumer Removed Date : XX/XX/XXXX I have enclosed copies of relevant documents that support my dispute, including [ list any attached documents such as bank statements, correspondence, etc. ]. 

According to the Fair Credit Reporting Act ( FCRA ), I request that you investigate these inaccuracies and provide me with the results of your investigation. I would also like to receive a copy of my updated report reflecting any corrections made. 

Thank you for your prompt attention to this matter. I look forward to your response within the statutory timeframe. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

M y line of credit that I had with Citibank ( Best Buy ) was suddenly closed due to a soft credit pull initiated by Citibank, In the soft pull inquiry according to the account closure letter I requested listed below is what the cause was for the account   closure.   N umber of accounts with delinquency Length of time credit history has been established Balance on your account with us Balance on your account *The problem with this unfair account closure is that all of the accounts that are listed delinquent on my credit file are from Identity Theft and is in the process of being disputed with the various companies and credit bureaus. I have reported myself being a victim of ID theft to every agency possible to try to clear my name way bef  ore this closure occurred. I have called Citi Bank on numerous occasions about this issue but I get told the same thing, they can not reopen an account once it 's closed and the ID theft had no bearing basically. Also the closure of this account has had dire affects on my credit score causing another one of my major credit cards to close my account it has became like a domino effect, I think it is so unfair  and unjust for me to be put in such a financial ruin because of being a unfortunate victim of Identity theft.
Product: Vehicle loan or lease

My car was totaled XX/XX/XXXX. The insurance completed the payoff of their part of the loan the end of XX/XX/XXXX and there is a small amount of the loan left over. We have GAP insurance and I gathered the information that I had. I was missing the Statement of Payments and the original loan documents from Huntington Bank. I contacted the bank and the agreed to fax the documents to the GAP insurance company and send me a copy in the mail. This was around XX/XX/XXXX. I waited two weeks and contacted the GAP insurance and they had received the Statement of Payments, but not the original loan agreement. I then called the bank again and requested the original loan agreement be faxed to the GAP insurance and the 2 documents sent in the mail to me. 
The interest rate on the original document was different than the rest of the documents, so the GAP insurance requested a APR Rate Difference letter from Huntington Bank. I called Huntington Bank on XX/XX/XXXX and was told that the document would be processed that day. I talked to the GAP insurance on XX/XX/XXXX and was told that they had not received the APR Difference Letter yet. I called Huntington Bank again and was told that this letter takes 4 days to process! I then called Huntington Bank again on XX/XX/XXXX and was told that it would take 5 days! In this process, my account has been reported to the Credit Bureaus as delinquent.

Unfair and Abusive!!!
Product: Credit reporting or other personal consumer reports

Hi i purchased an auto on approx. XX/XX/XXXX it was an out of state purchased from a Dealer in XXXX Texas called XXXX XXXX  they provided me with a XXXX XXXX which showed the auto was ok no accidents etc. well i was thinking about selling it so i went on the computer to XXXX XXXX XXXX XXXX offer so i put in the vin and it came up in red letters that i can't sell it this way and to find out why fill out a form below and at a cost of XXXX i would get the Experian XXXX XXXX this is a different company than the XXXX XXXX  the dealer provided .So, i filled out the form and paid the XXXX for the Experian report,,, the Experian report said at an action the car was branded as SEVERE STRUCUTURAL DAMAGE!!!!! SO, THIS WILL MAKE MY CAR VALUE WORTH AT LEAST {$7000.00} LESS than what i paid for it. Anyhow the Experian XXXX  XXXX  said the damage was discovered on XX/XX/XXXX which was approx. XXXX years before i purchased it. but also the Experian auto check did not have any accidents listed for the auto just the severe damage report at the auction on the XX/XX/XXXX date so i called Experian XXXX XXXX  they told me the auto dealer will have to get it changed from the auction so i called back the dealer and they said they wasn't doing anything as the mistake was from Experian so i filed a XXXX complaint on Experian XXXX XXXX address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone XXXX also the XXXX  has many complaints of the same complaint as i have to this company,,, also on top of that on XXXX  site for Experian XXXX XXXX XXXX stated that on XXXX XXXX XXXX they was sued by the government and Ohio Attorney General for XXXX XXXX for reporting false credit reports this was on XXXX  with the same address as the Experian XXXX  XXXX So I've been to a garage their auto tech went over the whole underbody of the car and found nothing no damage anywhere and no repairs was made so i called Experian and they said they found out it was a rail under the auto so i took it back to the tech he showed me what's called the rails and they was fine never been damaged i also have a receipt as i had it serviced at that time and the tech wrote down his findings on the receipt i have that and will send it to you if i can I also have the Experian XXXX XXXX report and the XXXX XXXX which i can send also.
Product: Mortgage

Wells Fargo has a property listed at XXXX number XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX. I put a FULL PRICE offer of {$360000.00}, on this property, which is listed with the REO agent XXXX XXXX. License number is XXXX XXXX in XXXX XXXX XXXX ; on XXXX XXXX 2015. My Realtor was told that they Had a several offers over the Listing Price. Now the property is back on the market and is Listed XXXX below the previous Listed price and my prior offer. The Realtor now is saying that she has offers again, over the Listing price. I feel that since I am not using Wells Fargo for my mortgage, which an addendum was presented that wells fargo can prequalify me, and other documents pushing a Wells Fargo 's Mortgage person, the Realtor is not taking my offer. I also Feel, that the realtor is taking offers that she is getting both sides of the commission on which seems to be a conflict of interest and in the best interest of the REO Lender. This is not the first Wells Fargo REO property, that this Realtor did not accept my full price offer. My Realtor was willing to give her XXXX % of his commission to make this transaction work. Can you help me?
Product: Debt collection

In XX/XX/XXXX, I relocated to a different state, updated my address, and set up mail forwarding services with XXXX. Despite these measures, I did not receive any written notification of a debt from Credence Resource Management until XX/XX/XXXX, after the debt had already been reported to XXXX in XX/XX/XXXX. The lack of written communication did not provide me with an opportunity to address or dispute the debt prior to its impact on my credit report. The late notification in XX/XX/XXXX appears to have been an attempt to rectify the lack of initial communication, but it was insufficient to prevent damage to my XXXX XXXX. This failure to provide written notification, especially considering my interstate move, highlights a significant oversight in the debt collector 's process and violates the Fair Debt Collection Practices Act 's requirements for proper and timely notification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union is  showing that I have an adverse account with   XXXX   XXXX   XXXX  . The original account was with   XXXX   XXXX   XXXX  . I have submitted a dispute with  Trans Union sta ting that this account was included in my bankruptcy. I have uploaded the supporting document  XXXX  showing that the   XXXX   XXXX   XXXX   account indeed was on my bankruptcy. They came back stating the information on my credit report is accurate. It is not.
Product: Debt collection

OWE MONEY TO CAPITAL ONE ACCOUNTS ... HAD A RECENT XXXX AND I 'M OVERWHELMED BY MEDICAL BILLS ... .IN THE FINE PRINT, EVIDENTLY IN THEIR UNREADABLE SMALL FONT CONTRACTS, THEY ARE ABLE TO CHARGE ( LEGALLY? ) A {$10.00} OR {$20.00} SURCHARGE PER TRANSACTION ... .IT 'S ROBBERY ... .ANYWAY, I 'VE RECIEVED TWO LETTERS FROM XXXX, NY CITY COURT SAYING THEY ARE SUING ME FOR UNPAID BALANCE ... I LIVE ON SS/XXXX CHECK AND CAN NOT AFFORD GARNISHMENT ... ... .THE LETTERS SAY I SHOULD " FILE A LEGAL ANSWER '' ... I CAN NOT AFFORD AN ATTORNEY ... .IS WHAT THEY ARE DOING LEGAL ... CAN MY CHECK BE GARNISHED? ... .WHAT SHOULD I DO? ... VERY WORRIED ... THANKS
Product: Credit reporting

I have disputed this account with the Credit Bureaus as well as Professional Credit Management. I disputed this account with Professional Credit Management on 2 occasions and on each occasion, they were unable to provide copies of documents sent to me regarding my account and any papers that bear my original signature that reflect that I agreed to pay what they say I owe. Each letter they sent said they validated the name and address ; however, validation of an accounted they are claiming I owe them consists of providing substantiating information to prove beyond a reasonable doubt that this account indeed belongs to me See attached letters I sent them as well as the letters they sent in response which as I have stated above DO NOT VALIDATE THE DEBT. I have never heard of this company nor have I ever did business with them. I have never signed any contracts nor had any obligation to them. This item is not 100 % accurate ( Collection accounts have no terms, so why are they reporting a term of 1 month if I never signed any contract or agreement with them, nor is it verifiable ; therefore, this items should be deleted from my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been filling dispute and was told that inquires would be removed a year ago
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX : {$1500.00}.
Product: Mortgage

On XXXX XXXX, 2016, I sent check number XXXX to OCWEN. The amount of the check was {$15000.00}. I also included a request for a pay off amount after the payment was applied. I contacted OCWEN on XXXX XXXX, 2016 to find out why the check had n't cleared my account. I was informed that the check would be returned since it was n't enough to pay off the loan. I asked for the payment to be applied to my account and I would request the pay off after it had. The customer service representative agreed to this request. As of today, the check still has n't cleared my account. I have submitted a screenshot of my checking account balance to show that the funds for this payment are available. I have had nothing but trouble with OCWEN since they took over the loan. I want my payment applied and a payoff amount sent.
Product: Student loan

This complaint is in regards to the companys deceptive AutoPay practices. Despite all monthly statements and the account dashboard showing that AutoPay is turned on, they never process the payments, resulting in late payments and extra accrued interest. 

Details : In XX/XX/XXXX this year, an AutoPay payment was returned for insufficient funds. The company notified me with a note saying " Please note, your Auto Pay has not been cancelled at this time and we will attempt to draft your next payment. If you Auto Pay is cancelled as a result of XXXX consecutive failed attempts, you will receive a separate notice. '' In XXXX, no AutoPay payments were processed, and as a result I received a late payments notice. I made the overdue payments on XX/XX/XXXX for the past due amounts, thinking that the regular monthly payment of {$280.00} would be processed via AutoPay as indicated by my account statement saying " XXXX Auto Pay {$280.00} on XX/XX/XXXX ''. 

In XXXX, upon logging into my account I find that my account was overdue by a few months and that no AutoPay payments were made in months that had passed. I made the overdue payments manually on XX/XX/XXXX then emailed customer service about why my AutoPay payments were not getting processed. I receive a response back saying Our records indicate that your auto pay was paused due to your XXXX payment being returned for insufficient funds. Please bring your past due balance current for auto pay to resume. ( Note the misinformation here : The insufficient funds incident occurred in XXXX, with no records in my account that a new incident had occurred in XXXX. ) A week later, I noticed that the AutoPay payment which was scheduled for XX/XX/XXXX also didnt go through, so I manually made the payment on XX/XX/XXXX. At this point, my account should have been current, and trusting what the customer service personnel had written, I expected the next AutoPay payment to be made on XX/XX/XXXX. 

Upon logging into my account next time on XX/XX/XXXX, I noticed that yet again, no AutoPay payments had been made since the last round of communications with the customer service personnel. I make the overdue payments again manually. 

Note that from XXXX till now, in both my monthly statements and my account dashboard, the AutoPay function was shown as active, yet in none of the months was it actually processed. This deceptive practice has resulted in multiple overdue payments and excessive interest charges.
Product: Credit reporting or other personal consumer reports

I don't recognize these inquiries on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

( 1 ) There are XXXX separate collection charges for {$780.00} from different agencies. This is only XXXX unpaid bill. It is an ambulance charge. I have been told no medical charges are to be included in credit reports. 
( 2 ) The unpaid XXXX XXXX bill is likewise a medical charge from the same situation. As it is medical, should it be included? The actual emergency occurred 7 years ago when I was in a minimum wage job with no insurance. 
( 3 ) The XXXX account is the result of a neighbor getting my code, then getting into our home computers and again somehow getting the code when we changed it. XXXX was uncooperative in helping to resolve this matter. The unpaid charges are from the neighbor running up my bill.
Product: Vehicle loan or lease

Ally was paid off by my insurance I was in hit run my car got totaled out. I am trying to get new car but ally still on there they need to say paid off I have called twice and emailed them I need help. XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX i paid of full payment XXXX taken form Unifin a debt collector. 
ref # XXXX
Product: Credit card

On XX/XX/XXXX, I was alerted by Wells Fargo to a suspicious charge on my chard. I immediately responded that I did not make the purchase, and Wells Fargo closed my account. The next day I saw that several other purchases were made at the same retailer without my authorization. I called Wells Fargo on XX/XX/XXXX and opened a claim stating I did not make the purchase. It seems like the retailer is a XXXX  company, called XXXX XXXX XXXX. I have never shopped with this retailer before. On XX/XX/XXXX, they called and asked if I had my card with me and if I had left the country. I confirmed that I had my card with me and I had not left the country. I got a letter stating that the charges were not fraud because I had my card present with me dated XX/XX/XXXX. However, I confirm that I did not make any of the 9 charges to XXXX XXXX XXXX. I contacted Wells Fargo again on XX/XX/XXXX and reopened the claim charge. The associate told me that the charges were not foreign charges and that it appeared my card was present for the charge. He also recommended that I provide evidence I had not left the country during the time the charges were made. I was told I need to submit this evidence by fax, and the only way for me to do that is to go to a Wells Fargo store to help fax supporting documents. I have attached here the statement showing that on XX/XX/XXXX, I had a charge for an XXXX  parking meter ( located in XXXX XXXX ), as well as the XX/XX/XXXX charges for retailer XXXX XXXX XXXX. I also have a document showing another transaction for an ice cream store based on XXXX XXXX around the time of the charges.
Product: Checking or savings account

I received an ATM/Debit card in the mail on XX/XX/21 from Chase bank for my new checking account. The problem is I don't have an account with Chase or have I ever. After talking with many people at Chase they wanted me to set up a pin number for the fraudulent account or they could not close it.
Product: Debt collection

Williams & Fudge called my husband 's phone at XXXX. I attended XXXX  XXXX XXXX  almost XXXX years ago. I had to take a leave of absence due to taking care of my mother who had a XXXX and a death in my family. Apparently even though I had financial aid. XXXX is trying to make me pay back almost XXXX dollars. I tried to work with XXXX for a payment plan. I am not sure why I would owe them this since they received financial aid from the government and they were not supposed to be paid back due to grants. I spoke with the lady and asked her several times if they had sent me a letter validating the debt. She stated that they had but couldnt give me the dates. She then told me that it was XX/XX/year>. I asked for them to send me another letter because I did not receive it. She told me that they are not responsible for the mail. This was the first phone call I had ever received from them pertaining to this debt. She also told me that they emailed it to me at XXXX. I stated to her well I am not in school anymore so I would have never gotten this. Then she proceeded to tell me that what if this letter doesnt reach you I said then please send it certified so we know it will. She stated they dont do that as we have thousands and thousands of people they work with. I am not even sure if this amount of debt is valid with XXXX. They are refusing to allow me to validate this debt. They said they made note that I have already validated it. I told them I would be turning them into the fair credit act and she was very condescending and said that not even the correct authority. Very shady collection practices with this company. Also acting like they are attorneys I also explained it was with another collection agency ( the name escapes me at the moment ) and she wanted to argue with me that it has always been them. Which is has not because I tried to set up and payment plan with both XXXX  and the other company. Apparently I was nieve in thinking I just owed this debt without any type of validation.