23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I hope this letter finds you well. I am writing to address a concern regarding the accuracy of my credit report. After a careful review, I have identified late payments on my credit report that I believe to be inaccurate. I am requesting your assistance in either removing or correcting these late payment entries promptly. 

I understand the significance of maintaining an accurate credit history and its impact on my financial standing. I am committed to ensuring the correctness of the information reported on my credit file. 

PNC BANK XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or PNC BANK customer service. XXXX  have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 



I kindly request a thorough investigation into this matter and ask for the removal or correction of the inaccurate late payment entries from my credit report. It is crucial to me that my credit history accurately reflects my financial responsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is showing a Judgement on my account with a balance. This Judgement was paid in XXXX, Collection Agency dates that it was paid in XXXX. It is now XXXX and it is still showing on my report and its showing a balance instead of paid
Product: Mortgage

My wife and I recently purchased a new home in XX/XX/XXXX. We paid a large downpayment and closing costs. We then listed our old house for sale. Upon advisement from our relator and lending institution, the goal was to take the money we made from the sale of our old house and re-forecast the loan in order to get the payments lower. Our original loan was sold to Specialized Loan Servicing with our first payment due in XX/XX/XXXX. We made that payment on schedule and we sold our old house and closed on it a couple of weeks ago. We waited the five days that our bank required on the check and after it was ok, today, XXXX, I contacted SLS to see what we needed to do to re-forecast our loan and pay {$150000.00} today. After multiple attempts, cut offs and menu after menu, I finally got hold of a person, her name was XXXX. Possibly one of the rudest humans I've ever talked to. I explained to her what I was wanting to do and she transferred me to XXXX. I then explained to XXXX, what I wanted to do. He told me because they just recently bought our loan on XX/XX/XXXX, they could not do a re-forecast for 90 days, which put us in XXXX, according to him. That means we will have to make 2 or 3 months payments of {$2000.00}, before we can re-forecast. Why can't a person, who pays their bills and has a large amount of money, get their mortgage payments lowered in a timely manner? and, add to that, after talking with XXXX and XXXX, I don't have a lot of confidence that they will help me and my wife accomplish our goal of lowering our payments in XXXX and we defiantly do not want to go thru refinancing and additional closing cost.
Product: Debt collection

Jefferson capital systems has been reporting fraudulent charges from XXXX XXXX on my credit. 
I am a current XXXX XXXX customer and carry a XXXX ballance I have reported to XXXX and jefferson capital systems the fact of the fraudulent account. 

Neither have been able to assist
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XXXX  to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX Balance {$7900.00} XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX Inquired onXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXXInquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX XXXX XXXX  Inquiredon XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXXInquired on XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX XXXX Inquired onXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXXInquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXXInquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired onXXXX XXXX XXXX ; XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX
Product: Credit card

It came to my attention recently that an ex-girlfriend had fraudulently used my Chase credit cards. One had a limit of $ XXXX and the other $ XXXX. I notified Chase and filed a police report. The fraud included a gentleman facilitating phone calls and posing as me. Both parties have been charged. Immediately Chase told me that they would close the account, reverse the charge and issue a new card. I closed my bank account, and Chase told me to not only do that but go to my bank and request a return of payments that were connected to my account. About three days later, Chase called and said that since i had been a beneficiary of the fraud, even though it was unknowingly, they could not substantiate it as fraud. I agreed to handle the process through the courts to seek the return of property acquired and restitution. In the interim, I attached a new bank account and returned the funds that they had returned to my bank, as well as made another payment. Though the fraud was only on the Sapphire card, I found that both cards said " account closed '' when I logged on. The specialist I talked to promised me that I would be issued new accounts, and I need only continue with my payments. When I called to speak with Chase about the accounts being closed, they offered that they had done a random credit check, and though no other accounts on my credit report had changed, they cited " a rapid increase in balance '' which was the fraud on the Sapphire card, and ( 2 ) a returned payment, which they informed me to pursue. I have never made a late payment with them, even with the fraud occurring. Further the balance of the other card that was not affected was $ XXXX of $ XXXX, which I was logging on to pay. I had previously opted out of pre-screening offers, so their rationale that this was a random credit check was bogus and an outright act of deceit. The other card is at $ XXXX of $ XXXX with the fraud. The fraud included one major purchase that the woman and her accomplice made, so I am unsure of how a rapid increase of spending is justified. I believe that this is unfair and deceptive business practice, as all of the actions taken were under the advisement of Chase. As well, the specialist was dishonest with me regarding next steps regarding the status of my account. Again, the Marriott Rewards card had no bearing on the other account, nor did I allege any fraud. I was able to retrieve items from the authorities and return them for credits to that card.
Product: Credit reporting or other personal consumer reports

I have sent a complaint dated XX/XX/XXXX and XX/XX/XXXX, this was my follow up to those previous complaints and I am hoping that the 3 Credit Bureaus namely XXXX, XXXX and TransUnion Credit Bureaus will REMOVE these items I listed in this follow up complaint within 15 days : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A creditor had a charge off XXXX XXXX  and they sold my information to ability recovery services. Now they have put this debt on my credit for again until XXXX
Product: Debt collection

I recently received a debt collection letter for a debt through XXXX. I have not had an active XXXX Account since 2007. I contacted XXXX about this, and they said I do not have an active account with them. 

So I am sending a dispute letter requesting verification of this debt. 

I did some research, and it appears they are sending this letter out randomly to current and former XXXX account holders. It appears it is a collection scam. https : XXXX So I am filing a complaint before they try and hurt my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im demanding that the 3 major credit reporting agencies provide me with a physical documentation / contract of the following accounts, these accounts are unknown and unauthorized by me. Im demanding that these accounts be blocked and removed from my credit file. 

1. XXXX XXXX {$670.00} 2. XXXX XXXX {$120.00} 3. Missouri Div Chld Supprt
Product: Mortgage

I have recently refinance my mortgage with Bank of America to a loan with XXXX XXXX. What i learned in this process is two things that i believe the banks are taking advantage of the public. These might be limited to BofA as i have only refinanced a loan with bank of America. The below is my findings : 1. I closed my refinance on for example, XX/XX/XXXX and on XX/XX/XXXX agents of both BofA and XXXX met to exchange funds. While during the day my BofA loan was repaid, i still paid a full day of interest to BofA and a full day Interest for my new loan at XXXX. I did not contact anyone regarding this but it does seem unfair that the consumer needs to pay interest to two banks on that date. Maybe i understand this because both banks need to have the funds available during the day but still was unsure if this is fair. Perhaps one of the banks should reimburse the other for the half day of funds use and this burden should not fall on the consumer. While it is only around 40 dollars in my case, across all refinances, this is a large amount of incremental interest earned by the banks. 
2. BofA 's agent received the cash via cashiers check and instead of wiring or depositing the cash overnighted it from XXXX XXXX to their XXXX office for deposit. Thus resulted in me paying an additional day of interest ( an additional day in which i have paid interest to two banks ). What BofA should do is stop charging interest the date that the cash is received by the bank of the banks agents. I contacted the BofA agent and BofA and while they did refund me, i believe this warrants further investigation since if BofA does this for all loans and borrowers are not as observant as me of the period of interest being paid, BofA is collecting additional interest then they should. Perhaps this is just an isolated incident but i am not sure it is. I am a sample size of one.
Product: Debt collection

Hello. On XX/XX/2020, Santander reached a settlement of {>= $1,000,000} to provide relief to consumers because they provided loans to consumers who were not qualified. The settlement also states that Santander will request that the defaulted loan be removed from the consumers credit report. I Have contacted Santander and I qualify for this removal from my credit report as I fit the criteria because my account was charged off within a year of receiving it. Please remove the derogatory account immediately as its been affecting my credit for years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Grow Credit INCXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting act XXXX  account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

A month ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly delete the following items ASAP. Thank you. 
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 or other personal consumer reports

XXXX, XXXX, Equifax continue to report an allege bankruptcy that they do not have permission to report on my credit file. The credit bureaus sell information for profits to other third party companies but I hold legal and equitable title to my name and all rights to my personal information. The bankruptcy courts do not verify this information and the credit bureaus gather information from various other businesses to produce these consumer reports however I do not give any credit bureau consent to gather any such information on me and release it. This is putting me at risk of my information being hacked and sold on the black market. Each credit bureau has already been involved in multiple data breaches and can not be trusted with my private information.
Product: Debt collection

( all evidence is attached for this complaint ) I revoked consent via certified mail for BBVA to call me and ask that they : 1. Communicate by mail only no phone calls 2. No recording me. 3. I asked that they not call me using automated dialing systems and they did two times leaving a voicemail on one of them this past week of XX/XX/2019. I asked them back in XXXX to STOP CALLING. 

No lawsuits have been filed yet, but I am represented by an attorney who handles Consumer Protection Violations under RFDCPA AND TCPA. I ask that BBVA reach out to my counsel right away to discuss this before it escalates further. 

Please contact : XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX T : ( XXXX ) XXXX - XXXX F : ( XXXX ) XXXX - XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XX/XX/XXXX Subject : Request for Removal of Fraudulent Credit Inquiries Due to Identity Theft Dear Transunion Dispute Department, I am writing to formally dispute several fraudulent inquiries that have appeared on my credit report. I am a victim of identity theft, and I did not authorize these inquiries. Below is a list of the unauthorized inquiries that need to be removed from my credit report : XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX  ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) I have included the following documentation to support my claim : A copy of my government-issued ID. 
A copy of a recent utility bill or bank statement for address verification. 
A copy of the police report or FTC Identity Theft Report.

These inquiries were made without my authorization, and I believe they are the result of fraudulent activity. I kindly request that you investigate this matter, remove these inquiries, and provide me with written confirmation of the resolution. 

Please let me know if additional information is required. I can be reached at XXXX or XXXX. 

Thank you for your prompt attention to this matter. 

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

Dear Sir/Madam, I am writing to bring to your attention a matter of concern regarding the negative impact on my credit standing. This issue arose as a result of following the advice of a debt consolidation company, specifically the representatives of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Upon seeking assistance from the debt consolidation company, I was advised not to make monthly credit card payments with the intention of allowing these accounts to close. The subsequent closure of these accounts has resulted in a significant decline in my credit scores. Furthermore, reputable financial institutions such as XXXX now have records of me being 90 days or more past due, despite my prior good standing. 

I would like to emphasize that prior to following the advice of the debt consolidation company, my credit accounts were in good standing, and I had a responsible track record of timely payments. The impact of this advice on my credit standing has been distressing and has caused significant inconvenience and concern. 

I have documentation and correspondence from the debt consolidation company, including details of the advice provided and the intended resolution through settlement with lower numbers on these accounts. I believe that this evidence supports my case and underscores the impact of the advice I received. 

I kindly request that you investigate this matter and make the necessary corrections to my credit report. I am committed to resolving this issue and restoring my credit standing to its previous favorable status. 

Thank you for your attention to this matter. I am available to provide any additional information or documentation as required. 

Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

I sent a payment through online banking at XXXX  XXXX XXXX XXXX Ally Financial XXXX XXXX for an auto loan for {$470.00} that settled on my bank account on XX/XX/XXXX. We received an email that we hadn't made the payment. When I looked online at XXXX I realized I made the payment on a loan that we had already paid off. I immediately called Ally on XX/XX/XXXX. They gave me a case number and told me to check back in XXXX to 3 days and payment should be processed. Still nothing. On XX/XX/XXXX I called again and they told me to fax in proof of payment and a letter explaining what happened. I did that on XX/XX/XXXX. On XXXX I started an online chat to see if they received my fax and status. After almost an hour of going back and forth with the agent he told me that the payment was posted to the account. I explained it wasn't showing online and still receiving emails and text past due. He then tells me it was applied to the old account and any overpayment will be returned. As it continues he just tells me the overpayment will be returned. I ask him for proof and details. He finally stopped answering on the chat. On XXXX I started an email after the chat got no where. I attached the fax and the chat. The person in email told me I needed to call XXXX the refund was made to them and gave me the wrong phone number the first time. I kept asking who XXXX was because I've never dealt with them. He told me that is who processed my payment.This email train goes back and forth for 3 days. No matter what I ask I'm told to contact XXXX I have also been verifying with XXXX that there is no return. I finally got through to XXXX on XXXX around XXXX after an hour on hold and she explained to me they process the payments for Ally that are done on the phone and online in their portal. They do not process the payments that I generate from bill pay at my bank. She did put me on hold and told me she was contacting escalations to see if they could find the payment. She came back and told me no and that they wouldn't have the payment because I processed the payment online at XXXX and I needed to talk to Ally. She put me through to them. I repeatedly asked for a supervisor and was told she would have to fill out paperwork and it would be XXXX to XXXX business days. I have also sent another email asking for a supervisor to contact me.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 



Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX