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

I am writing to request a correction of the following information that appears on my XXXX  consumer report Explanation of item being disputed : A JPMC company credit card account is associated with a separate corporation has started to be listed on my personal XXXX credit report. I am not personally liable for this account. However, even though I am not personally liable for this account, JPMC are now reporting this account on my credit report and demanding payment from me. I have previously requested that they provide me with documentation establishing that I am personally liable for this account, such as a contract or card agreement, but they have not done so.
Product: Mortgage

I wish to raise an official complaint in respect of the treatment of my mortgage account of Ditech Financial LLC a XXXX XXXX on the basis that our payments are not being recorded correctly. 
I have enclosed our payment history since XXXX/XXXX/XXXX to reflect that my account is not delinquent. What we were told by Ditech is that the XXXX/XXXX/XXXX payment was applied to the principal instead of our XXXX monthly payment. This made us delinquent for our XXXX payment. The explanation that was given to us was that they switched to a new system and mistake was committed by their system. 
My wife and I have called Ditech several times for the last 14 days ( XXXX XXXX to XXXX XXXX, XXXX ) to ask them to correct this error. I spoke to XXXX on XXXX XXXX and was told that this error will be fixed soon. We received XXXX letter that our account has been assigned to an account representative with a statement that states " this communication is from a debt collector. '' On XXXX XXXX my wife spoke to an account representative XXXX XXXX who promised my wife that this error will be corrected on XXXX XXXX, XXXX but as I have narrated XXXX XXXX this error has still not been corrected. 
We are reporting this complaint to protect our credit history since we pay our financial obligations on time and have excellent credit histories and credit scores. Also as my wife was reading reviews about Ditech several have complained to several federal agencies and have suffered delinquent accounts for reporting their complaints. 
Please assist us in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have proved over and over again that this public report is indeed unverified account that needs to be removed Experian continued to Mark this as verified even after I showed them proof that nor XXXX XXXX  or the Bankruptcy Court has this information I have sent them the proof of my other scores with XXXX and XXXX  which are not showing no public records or student loan I am a victim of identity theft.
Product: Credit reporting or other personal consumer reports

There's a negative account that keeps showing up and getting removed shows up again different names gets removed know again. This account was not, is not, will not ever be mine no knowledge or written verification. I have accounts with thousands of dollars on them with exceptional payment history! I wouldn't let a little {$700.00} damage my credit.
Product: Credit reporting or other personal consumer reports

The Experian, XXXX and XXXX data breech has caused a case of identity theft with the accounts listed. The bureaus wrongfully put a debt on my credit report that is not authorized by XXXX XXXX . I have submitted an affidavit of truth, along with identity documents These accounts are due to identity theft. These accounts are not mine. I have uploaded and filed ID theft report with FTC and will pursue legal action for slandering my Reports. I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. These accounts were opened fraudulently : Disputed Account : XXXX XXXX Account Number : XXXX Disputed Account : XXXX  XXXX Account Number : XXXX Disputed Account : XXXX XXXX  Account Number : XXXX Disputed Account : DEPT OF EDUCATION/XXXX  Account Number XXXX
Product: Credit reporting or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX Balance : {$1200.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$490.00} XXXX  XXXX Balance : {$410.00} XXXX  XXXX Balance : {$490.00}
Product: Credit reporting or other personal consumer reports

I want the account removed from my reports at the XXXX credit agencies within XXXX hours of this complaint. I will also be obtaining a loan audit report done on all my accounts with this company by a XXXX registered CPA to uncover the misconduct of these loans and selling on the secondary market without my knowledge. I also know that these were sold to another company and I did not agree to have my private information given to another company. I want the account removed as I will be getting an audit done if not removed within XXXX hours from all XXXX credit agencies. 

Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

An account with XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX I showed up on my credit report for an account. I sent a letter via email to the company which the company received XXXXThe tracking number with USPS is XXXX. The company has not sent me any documents validating this debt. I requested the agreement between XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX I and the collection agency and the original creditor, the original contract showing that I legally owe this debt, an accounting record of all transactions and proof that this company is legally registered to collect this debt in my state. I have not heard anything from them this is my forth attempt.This account is still reporting on my credit reports.
Product: Credit reporting or other personal consumer reports

I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( B ) regarding the reinsertion of previously deleted material into my credit file without proper certification of accuracy and notification to the consumer as mandated by law. There is are fraudulent auto loan by XXXX XXXX XXXX - ( PARTIAL ACCOUNT NO : XXXX .... ) and XXXX XXXX - XXXX XXXX XXXXXXXX - ( PARTIAL ACCOUNT NO : XXXX .... ) were opened under my name without my knowledge and I am asking to block and delete these fraudulent accounts because I have no knowledge about these accounts. They are fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

According to FCRA section 605B, these items shown are inaccurate please remove from report. 
XXXX XXXX XXXX XXXXXX/XX/year> Filed FTC report attached below.
Product: Debt collection

I DID NOT RECEIVE PROPER NOTIFICATION. IF IN FACT YOU BELIEVE I RECEIVE PROPER NOTIFICATION. PLEAE PROVIDE THE CERTIFIED MAIL WITH THE RECEIPT WITH MY WET SIGNATURE ON THERE STATING I RECEIVED IT. 

Please REMOVE and DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNT FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 

CREDENCE RESOURCE MANA ( Original Creditor : XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

One credit bureau just closed an investigation to my dispute concerning XXXX XXXX XXXX XXXX XXXX ( XXXX  ). The bureau claims that XXXX has verified the account with them and it is accurate. I know this to be false because XXXX by and through the law firm XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX ; is simultaneously attempting to freeze my bank account to collect a judgement they have obtained. 
On or about XX/XX/XXXX, XXXX XXXX an Attorney from law firm XXXX and XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX mailed a summons, and complaints on behalf of XXXX XXXX XXXX XXXX XXXX. For the amount of {$600.00}. 
On or about XX/XX/XXXX, Mr. XXXX and associated law firm served a letter, summons, and complaint represent XXXX XXXX XXXX XXXX XXXX. Mr. XXXX said I owe {$600.00} and would be seeking a Judgement for his client XXXX XXXX XXXX XXXX XXXX. 
On or about XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX and Mr. XXXX mailed another letter, restraining notice, and an information subpoena by and through XXXX County Supreme Court. This time Mr. XXXX states I face imminent legal action about an Judgment against me and that I am to restrain from spending money. This time for the amount of {$1700.00}. 
I reached out to XXXX XXXX, the CEO of XXXX XXXX XXXX XXXX XXXX to ask him about the validity of the law firms claims and how he would like me to proceed. He simply said he received my email and is cooperating with XXXX XXXX XXXX XXXX appropriately. I believe the court documents to be fraudulent ( attached ) ; an illegal collection tactic deployed by XXXX XXXX XXXX XXXX XXXX and their law firm XXXX aXXXX XXXX XXXX, in attempt to scare me into paying a debt I dont owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled a copy of my credit report and noticed a lot of inaccuracies and inconsistencies. I sent in certified letters to the credit reporting agencies to get the reported information verified and they said all the information on the report was accurate. 

After the verification process I checked my credit report again and noticed the same inaccuracies as before after a new thorough research Below are the inquiries I am disputing : Creditor Name - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act the above accounts has violated my rights. 

Section 604 - 15 U.S. code 1681 B - This law states the the bureaus don't have any right to report anything on your credit without your permission. 

Section 605 A - 15 U.S. code 1681 C-1 states that without consent to share your information it is identity theft Section 605 B - 15 U.S. code 1681 C-2 states if you are notified of anything on your credit it is identity theft
Product: Credit card

Dear Amex I was charged a late fee and interest for {$34000.00} on a long ongoing dispute in regards to a fraudulent dental bill. 
After suing The XXXX  I also had to sue Amex as charges for services I never received were still on my card and this was not getting resolved. 
I went through almost 2 years of stress Letters, phone calls and complaints and took up much of my time and energy. 
I had called and sent letters almost every XXXX weeks about this .Amex was aware that I had sued as dispute was ongoing as I called them and they were served XXXX XX/XX/year>. I called XX/XX/XXXX and was forced to pay {$340.00} Interest even though I told them there was a court date in XXXX. Amex Suspended my other card to force me to pay. 
I received a call from your legal dept in regards to these charges and it was finally settled and I paid the balance so theres nothing owing. 
The legal dept informed me that the interest had to be dealt with thru customer service. 
I Have been a XXXX XXXX  Years and my records will show Ive always paid in full monthly. 
I am asking that you please chargeback and take off this {$340.00} that was charged on my XXXX XXXX closing bill a courtesy and due to our long standing relationship. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 60 - 120 ) days past due on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) These accounts report a {$0.00} balance. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This incorrect reporting of lates is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Product: Debt collection

In XX/XX/XXXX, I opened a Lowes/Synchrony Bank card. In XX/XX/XXXX I paid this card off and it was sent to collections anyway. XXXX XXXX bought the debt and has put negative information on my credit report. I have reached out to this company to prove the debt was paid ; however, they will not respond. They say the balance is {$2600.00} and opened in XX/XX/XXXXbut I have proof I paid {$7900.00}.
Product: Student loan

Attempted to call Mohela to discuss repeatedly mishandled loan repayment plans. Called XX/XX/2023 around XXXX XXXX, at approx one hour on hold they hung up. Called back, waited again for XXXX min until they again hung up. 

Previously had been placed in the appropriate plan, recently got notice they changed so called the first week of XX/XX/2023, was told it was errantly handled incorrectly and they would have it fixed in XXXX business days. This led to the above call as this solution has in fact not been fixed.
Product: Checking or savings account

I received my 2 stimulus payments and everyone that had it sent directly from irs is getting a temporary credit for them. I cant help that mine went to my tax preparer first but you can plainly see that it is a government payment. It says that right beside it. I also spoke to 2 supervisors that told me that they were filling out forms and that my money would be available in 2 business days. Im a single mother with XXXX children. I had told my landlord that it would be 2 days and I call back to check and the story has changed about having to be directly from irs. I really need this money. Please
Product: Credit card or prepaid card

Had contacted agency XXXX Numerous times verbally told by customer service agents electronically that i had a 0 % interest rate for 12 months now am being told is XXXX out of the blue and they are going to do nothing about it
Product: Payday loan, title loan, or personal loan

One Main Financial makes harassment phone calls telling you that your loan payment is due while the loan is in its grace period. The bill is not late until 10 days after the due date, yet they call you everyday harassing you until you pay it. This is not how loans work and this is bad customer service. I didnt agree to a loan to be harassed. If I am not late according to my contract, you have no reason to call me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX allowed an inaccurate account to be furnished on my credit report. XXXX did not investigate this account prior to it being placed on the account. XXXX has proof that the account should no longer be on account. This made the consumer 's credit score go down significantly, with no valid proof. 

Also, it appears that Nationwide Recovery Systems , Ltd shared or furnished my personal information to another creditor without my CONSENT, which was with the National Recovery Agency. Nationwide Recovery Systems provided notice that this account was closed and that it would no longer be reflected on any credit report. This made my credit score decrease significantly and has had an adverse impact on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPT ED XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPT ED XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPT ED XXXX
Product: Credit card or prepaid card

Citibank offered me another card with 0 % APR for 21 months on balance transfers and 12 months on purchases. I have an existing Citibank Card XXXX XXXX XXXX XXXX with a XXXX  balance and credit limit of {$13000.00}. The new card with the promotion only has a credit limit of {$1000.00}. I contacted Citibank to have them match the other card 's credit limit or move the promotion from card ending XXXX to card ending XXXX. They refused to do anything.