23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2021 I received notifications that transactions were being made on my td bank account, I immediately called and spoke to customer service and was told that because the transactions were still pending I could not do anything about the fraudulent transactions. 
XXXX  days later the charges were processed and no longer pending, I went into my local td bank and asked for the charges to be disputed and to receive my new debit card. A few days later I received a letter stating that the transactions were investigated and that there wasnt any fraud that occurred. I have asked numerous time since in emails and via customer service for the information that was used to make this determination, I still have not received this or any explanation, I have also asked for these charges to be disputed and investigated properly. These were fraudulent transactions that were made from my account to different XXXX  in the amount of {$600.00} dollars. I have also made a police report after I received the notifications about these transactions. Td bank has not been any help to me.
Product: Debt collection

This debt collection reported a debt for {$1400.00}. I disputed the debt in XX/XX/XXXX and it was found to be accurate, with no proof. The company then changed the account open date to XX/XX/XXXX. This is completely fabricated. They have refused to respond to my attempts to get proof of this debt, including the date. This company changes the open dates on accounts to keep them from reaching the 7 years. My credit score dropped XXXX points in one day when they falsely changed the open date to be more recent.
Product: Credit reporting or other personal consumer reports

Dates : XXXX, XXXX and XXXX I'm dealing with a bit of a headache here. It looks like there are some accounts showing up on my credit report that aren't mine. It's like they've been mistakenly linked to me. I need to report this theft to the credit bureau because they've listed these accounts as if they belong to me, which they absolutely don't. 

I reached out to these companies on several occasions and no help was given.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am bringing to your attention an inaccurate item on my consumer report under the Fair Credit Reporting Act ( FCRA ). Below are the details : Creditor Name : OneMain Account Number : XXXX Status : Charged Off The information reported is inaccurate and unverifiable. Under FCRA Section 611 ( a ), you must verify the accuracy and completeness of any reported item. A charged-off account should not reflect a balance due, as this misrepresents the debt status and negatively impacts my creditworthiness. Additionally, because this debt has been charged off, a 1099-C form should have been issued to me in compliance with IRS regulations for canceled debts.

I request that you investigate this account, provide full documentation to support its reporting, and confirm whether a 1099-C was filed. If verification can not be provided within 30 days, please remove the item from my credit report.

Thank you for your prompt attention. Please confirm the results of your investigation in writing. 

XXXX XXXX
Product: Credit reporting

Equifax continues to erroneously report an account ( XXXX XXXX ) with a negative payment status to my credit report even after I have disputed the account both directly with Equifax and with XXXX XXXX. XXXX and XXXX have correctly removed this account from their records, but Equifax has refused to do so. This account was my husband 's account and I was only an authorized user.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I notice two hard inquiries that I don't believed are mine. XXXXXX/XX/2018 and XXXX XXXXXX/XX/2018please remove these two hard inquiries from my credit report.
Product: Credit reporting or other personal consumer reports

I did not authorize this inquiry and had no interaction with the lender on the mentioned date.
Product: Credit reporting or other personal consumer reports

I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 
Account name : MIDLAND CRED Account number : XXXX Account name : MIDLAND CRED Account number : XXXX Account name : MIDLAND CREDIT MANAGEM Account number : XXXX Account name : MIDLAND CREDIT MANAGEM Account number : XXXX Account name : MIDLAND CREDIT MANAGEM Account number : XXXX Account name : MIDLAND CREDIT MANAGEM Account number : XXXX
Product: Debt collection

This morning after already speaking with the debt holding company regarding a debt that I did not feel was proper I received a phone call at approx XXXX EST from a XXXX XXXX of McCarthy , Burgess and Wolfe XXXX She was immediately combative when I told her that I believed the bill to be a mistake and began spouting off how it was absolutely not a mistake and would not even hear me out. She also began to tell me that I had some how agreed to terms and conditions that would allow XXXX ( the debt holder ) to charge me for up to 60 days past my cancelation date. Regardless, she was rude and aggressive which was uncalled for as this was the first time they had made contact. Subsequently I was then contacted via email at XXXX est with a formal letter attempting to once again collect the debt. It is my understanding that it is a FDCPA violation to contact someone more than one time in a 24 hr period when confirmed party contact was already made that same day. I am displeased with the experience and feel further action should be taken against this firm/employee. The issues with the Debt holding company has since been resolved directly with them not this debt collection firm.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have no knowledge of this account and my name was fraudulently used to open this account in the amount, I am requesting that you investigate this matter and to correct this inaccurate information.
Product: Mortgage

After falling on hard times I submitted an application in XXXX of 2014 for a HAMP mortgage modification to my mortgage holder, Nationstar Mortgage LLC. They lost my original application and I re submiited another XXXX in XXXX. The process has gone on now for XXXX a year consisting of Nationstar and my spoc XXXX XXXX consistantly losing track of just about every document that I have sent them. Each time documents were requested I send them multiple times via email and certified mail. All along the way when XXXX eventually received the requested documents he and Nationstar would then ask for yet more up to date documents. Eventually after close to a year and at great expense to me ( paying an accountant to put together documentation ) I was told my case was in underwriting finally late in XXXX. My original mortgage was aprox. {$2000.00} per month. My understanding was that the HAMP program would make my payments lower. It made sence to me since my income had dropped by more than 50 %. I was finally contacted via email by XXXX XXXX of Nationstar Mortgage that I was approved for a XXXX month trial period with payments of over {$3000.00} per month, more than 30 % HIGHER than my original payment. There was no way that we could afford this. I asked XXXX to look into this explaining that there must be some mistake. XXXX response was that it did not matter, I had to pay it anyway but I could send in a dispute. I explained that the reason we were applying for relief was for a " more affordable '' payment and not a larger payment. He did not care XXXX bit. I have still not received any response from XXXX or Nationstar in regards to my dispute. Instead however, I received a foreclosure notice in the mail. I have once again notified Nationstar of all of this via their internal messaging system and not yet herd from them at all. This has been going on now for over XXXX year now
Product: Mortgage

I got behind on my mortgage after a disaster involving pipes bursting and backing sewage up into the house. I have to replace the main line pipes and refinish the basement after XXXX XXXX ripped out all the walls and carpeting. I spent my entire savings trying to make the house livable again which caused me to get behind on the mortgage. 

I applied for loss mitigation on XX/XX/XXXX. At that time I was 4 months behind on my mortgage. I called several times attempting to set up a payment plan to get the mortgage up-to-date but Loan Care refused to take any payments unless I paid the entire amount due. In XXXX, Loan Care denied my request for loss mitigation. 

I applied for loss mitigation again on XX/XX/XXXX via fax to XXXX since fax XXXX would not answer. After 3 week I had to resend the paper work again because Loan Care said they never received my documents. 

As of today, XX/XX/XXXX, I am 8 months behind on my mortgage and I was attempting to pay 5 months today but once again Loan Care would not accept a payment and I do n't believe they are going to approve my request for assistance. I am now having to try to sell my house before they foreclose on it because I ca n't get anyone to work with me on paying the mortgage. I 've owned this home for almost 20 years and this is the 2nd time in 20 years that I 've had financial difficulty, otherwise, I 've paid my mortgage as required.
Product: Credit reporting

I have contacted credit reporting agency Experian multiple times by regular mail, by certified mail, I have asked them for method of verification, and continue to respond as asccount veryfied, How could this be possible if I contact XXXX on account # XXXX and they do n't have the information that Experian is reporting. They simply ignore any request your send to them and respond with their automated system. I need this matter taken care of and have this account deleted as it is erroneous and useless in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items 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 3 credit bureaus on XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against the credit bureaus if they do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX  XXXX Balance Owed : {$3500.00} ; XXXX XXXX  XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$2600.00} ; XXXX XXXX XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$14000.00} ; XXXX XXXX XXXX Balance Owed : {$6000.00} ; XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$2900.00}.
Product: Checking or savings account

Last year keep rejecet dispute claim now i have refile a claim XXXX $ for defect product from XXXX i show poof 5 time still not refund me back
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE HAVE THE CREDIT COMPANY UPDATE MY PERSONAL INFORMATION AND DELETE ALL OTHER ADDRESSES AND NAMES ASSOCIATED WITH MY ACCOUNT Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX LA XXXX DELETE NAME KNOWN AS : XXXX. 
XXXX, XXXX, XXXX XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX DELETE ADDRESS INFORMATION : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX. XXXX XXXX XXXX XXXX, IA XXXX DELETE Employers : XXXX. 
XXXX XXXXP XXXX. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX, Transunion And XXXX, XXXX, I received your letter stating that you felt that the letter I sent was a suspicious request. HOW DID YOU COME TO THIS CONCLUSION? I only sent you a simple letter disputing the accuracy of the trade line in my credit file. I feel hurt that your company is handling my dispute in this manner. You also said that the letter was not from me. HOW DO YOU KNOW THIS? Can you provide proof that it was not from me? You also state that you have not taken any action on this request. WHY NOT? I went to the FTC website, and it stated that if I find an inaccurate item in my report, then I have the right to dispute it, so why didnt you take any action? Can you answer that? You also say that if I send another letter requesting a dispute on an incomplete item, I will not receive a response. Is that correct? 

For verification purposes and to prove that the letter was from me and not from somebody else, I have provided you with proof : Please review all proof of identity. 

Currently I am reinstating my dispute. The following account is inaccurate : XXXX XXXX XXXX  XXXX XXXXI dont recall being late. 
XXXX XXXX XXXXThis is reporting inaccurate. 
XXXX XXXX XXXX XXXX XXXXHOW DID YOU VERIFY THIS AND THEY ARE NOT LICENSED TO COLLECT DEBTS IN LOUISIANA NOR DO THEY HAVE PERMISSION TO HAVE MY MEDICAL INFORMATION!!!!! 
XXXX XXXX XXXX XXXX XXXX LICENSED TO COLLECT DEBTS IN LOUISIANA NOR DO THEY HAVE PERMISSION TO HAVE MY MEDICAL INFORMATION!!! 
XXXX XXXX XXXX XXXX XXXXI dont recall being late. 
XXXX XXXX XXXX XXXXInaccurate. Did not respond to my debt validation letter. 


XXXX, The Following accounts are listed under Medical!!! I 've reached out to these companies to provide me with a medical release form or to remove these accounts. They failed to respond. I am demanding XXXX to remove the following accounts because it is a violation of my hippa rights and the creditor failed to respond # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX Please get back to me.
Product: Money transfer, virtual currency, or money service

Hello, And Thank you. I was making a purchase of a new home. Had email from title company saying to do wire transfer early. XXXX was coming and sellers were moving to a new town. Company letter head all good, phone numbers good, send massage to my Real Estate agent about early transaction she sent back Great Thank you. Did not find out till Tuesday at closing that we had been scammed. {$150000.00} sent, bank said no funds are recoverable. After a 10 day waiting period. The closing was on XX/XX/22 the email and transaction was on XX/XX/22. Hopefully something can be recovered, and people charged with the crimes. Real estate office we believe was hacked.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX continues to willfully falsely report my mortgage as 90 days and 30 days late although I HAVE NEVER been late and this was verified by them and stated in the last resolution. YET the credit reporting department continues to verify the INCORRECT reporting as of XX/XX/XXXX causing me serious financial harm. At this point it would be considered malicious. I am given the information that it was corrected, yet when disputed it is falsely verified instead of corrected. 
My modified loan began XX/XX/XXXX and I made ALL PAYMENTS ON TIME. Never late, never over 30 days late. This is LEGALLY VERIFIABLE. In addition XXXX misappropriated a payment to principal, their OWN error and yet reported as late. Wrongly reporting last payments as well. Legal action is being taken, this just further documents XXXX XXXX XXXX XXXX willful wrong reporting. Damages accrue daily.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, as a consumer, living man and one of the People mentioned in the Constitution for the United States of America, am aware of all my reserved rights, protected by the Constitution for the United States of America, all state constitutions, and by XXXXongress under the Fair Credit Reporting Act ( FCRA ). Pursuant to 15 U.S. Code 1681a ( b ), " the term 'person ' means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. Pursuant to FCRA/15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Pursuant to FCRA/15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ), A person shall not furnish information relating to a consumer to any consumer reporting agency if -- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. Pursuant to FCRA Section 602 ( a ) /15 USC 1681 states that I have a right to privacy. Pursuant to FCRA Section 604 ( a ) /15 USC 1681b states that a consumer reporting agency can not furnish an account without my written instructions. Pursuant to Fair Debt Collection Practices Act ( FDCPA ) Section 804/15 U.S. Code 1692b, " any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- ... ( 2 ) not state that such consumer owes any debt ; and ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. The FDCPA Section 803 ( 6 ) /15 U.S. Code 1692a defined debt collector/person, XXXX XXXX XXXX does not have my written instruction to furnish any alleged debt on my consumer reports, especially XXXX that is hearsay evidence, nor any of my personal information disclosed or my alleged involvement with the alleged debt by another person XXXX XXXX XXXX XXXX XXXX XXXX  must adhere to a consumer 's right to privacyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights multiple times and for years now. Pursuant to 28 U.S. Code 1746, I, XXXX XXXX, verify under penalty of perjury under the United States of America that the foregoing is true and correct. Executed this day XX/XX/2022. /s/ XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unverified accounts on my credit reports I had previously disputed. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. The Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer-generated inquiry, or third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I reached out to a salesman for XXXX via XXXX regarding a sponsored post about vehicles for sale. After going back and forth about the process and what was needed in order to complete the car purchase, I decided to make an appointment to go in and buy vehicle. Once I arrived the salesperson whom I had been speaking with was not available, neither any of the vehicles he stated was. After being assisted by salesman, XXXX XXXX, I made the decision to purchase another vehicle. What seemed like a good purchase has been a complete nightmare from the time I signed my signature ( payment in full ) and rode off in vehicle. I made this purchase on XX/XX/XXXX and within the 1st 60 days my XXXX went out. I proceeded to look up the terms of my warranty and set my vehicle up to be repaired. After speaking with the warranty company I learned there was only 1 covered repair facility in my area and that facility needed for me to leave my vehicle at least 2 weeks to determine the diagnosis. Unable to do that I asked about taking the vehicle to a different location and was informed that I would be responsible for the cost. I called in multiple times to CCM Finance LLC to receive assistance with this but never received any help. Not only did they not offer any assistance with repairs but also would not assist with car payments or allow me to make partial payments. After this initial frustration I dissected my consumer contract. which contains many fraudulent and erroneous errors. One of those errors is my personal information that was changed without my consent and is now reporting on my credit report. Also the price of vehicle is more than what was told to me, I was told warranty was included in the price of the vehicle and it was not, I was offered deferment for past due note but was informed all funds had ran out and program has ended. I have filed complaints with the Attorney Generals office as well as served the XXXX XXXX XXXX and made several attempts to have this issue resolved with the company but response. On XX/XX/XXXX my vehicle was illegally stolen and repossessed without proper procedure, LA R.S. 6:966 ( A ) ( B ),, or making any attempt to resolve my issues, acknowledge or address my concern.
Product: Credit reporting or other personal consumer reports

Subject : Demand for Immediate Deletion of Unauthorized Inquiries on Credit Report I am writing to formally dispute the certain unauthorized inquiry listed in my credit report. After reviewing my credit file, I identified the following inquiry that were made without my consent or authorization. I have contacted the creditors listed below, and they have been unable to provide any proof that I initiated these inquiries or gave written consent for them. 

The following inquiry is disputed as unauthorized : Creditor : XXXX  Date of Inquiry : XX/XX/year> This inquiry was not authorized by me, either verbally or in writing, and I have received no documentation to support any permissible purpose for these inquiries, as required by law. Therefore, I request that you immediately delete these inquiries from my credit report
Product: Credit reporting or other personal consumer reports

iam a victim of identity theft from my x husband he abused my name and screwed my credit bad in accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 SECTION 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which have dates the reports by more than seven years.15 U.S.C.1681s-2 ( a ) ( 1 ) A PERSON SHALL NOT FURNISH ANY OIONFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON knows or has reasonable cause to believe that the information in inaccurate please remove these accounts 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 my tracking numbers for the letters i sent the bureaus XXXX XXXX XXXX