23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

( CENTRAL STATES RECOV ) IS REPORTING AN ACCOUNT ON MY CONSUMER REPORT THAT IS UNVERIFIED AND INACCURATE. THIS IS A VIOLATION OF THE FCRA AND FDCPA. THIS ACCOUNT NEEDS TO BE DELETED IMMEDIATELY. IF THIS ACCOUNT IS NOT DELETED XXXX 7 DAYS I WILL BE SEEKING REMEDY UNDER THE FCRA AND FDCPA FOR EVERY VIOLATION AND EVERY MONTH THIS ACCOUNT HAS BEEN REPORTING ON MY CONSUMER REPORT. I WILL ALSO BE SEEKING FOR STATUTORY AND PUNITIVE DAMAGES AS WELL. I WILL XXXX LEGAL ACTION AGAINST ( XXXX XXXX XXXX ) BECAUSE YOUR COMPANY IS THE ONE REPORTING THE ACCOUNT ON MY CONSUMER REPORT. EVEN IF YOU ARE HIRED OR CONTRACTED BY ANOTHER COMPANY, I WILL BE SEEKING AND TAKING ACTION AGAINST YOUR COMPANY. YOU HAVE 7 DAYS. THANK YOU. ( AMOUNT {$620.00} )
Product: Debt collection

I do not recognize how this account is reporting on my credit report, I do not recognize the account numbers, the account status, the account high balances, nor do I recognize the late payments associated with this account, XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX ) in the amount of {$1800.00}. I need the documents from this account with my signatures, from this company. Everything reported here does not meet the FCRA, through my rights, in accordance with 15 U.S. Code 1692g, I hold the right to verify the total debt amount, including any fees, and who the original party that is making the claim. After receiving such information I will review and respond within the 30-day period allotted to me under federal law. I appreciate your efforts in this matter and look forward to your response.
Product: Vehicle loan or lease

In  XXXX   2015, I an d m y Father refin ance my car wi th USAA Auto Loan and   included in the that refinancing an insurance of debt protection insurance what would cover both of us if either of us had  disability a nd/or death that the car would be paid in full. My father unfortunately passed and I became  totally    XXXX  . I sent in all documents to  USAA, death certificate as well as authorized them assess to my medical records. USAA, in  turn, cancelled the policy and back dated payment then stated that they notified me of this information which did not occur. According to the policy, the car was to paid off on full with either condition occurring, not a policy cancellation. I asked for help with situation to  get USAA AUTO to  fulfill their part of this contract of paying this loan off. They now contacted others that are not on the loan stating that the vehicle is up for reposssion and has negative reports on my credit which should not when the contact clearly states what should occur. This has been a disservice to my family and I have been a member for years. I was not  even notified by them of the issue I was told by other individual they told that was not on the loan ( poor consumer relations ) .NO ONE, NO ONE CONTACTED ME. I had to contact the company and none of information has changed.
Product: Debt collection

I was contacted by XXXX XXXX, who identified himself as the Lead Investigator for Oracle Financial Group on XXXX XXXX, 2015 at XXXX XXXX PST. In the voice mail that was left on my cell phone, this gentleman divulged private information, including my social security number and stated that a lawsuit had been filed. Minutes later, he called me at work and left a voicemail stating that I have 5 days to call him or that legal action would be taken. To date, I have not received anything in writing from this collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Department of Education/Navient are reporting me as 90 days late XX/XX/XXXX when I have made a payment and reporting me 150 days late XXXX and XXXX of XXXX when my account was in Forbearance also the report is missing data
Product: Credit reporting, credit repair services, or other personal consumer reports

For almost a year I have attempted to have the Credit Reporting Companies to stop the unlawful reporting of my private bankruptcy. TransUnion and XXXX have repeatedly responded back stating that the Bankruptcy Court has verified even after receiving the letter from the Bankruptcy Court stating THEY HAVE NOT REPORTED the account. 

XXXX has removed the account but TransUnion and XXXX are knowingly and willingly being non complicate. 

I have provided the Credit Reporting Companies via Certified Mail with Green Return Receipt a Notarized Affidavit of TRUTH, to confirm both my Legal identity and my legal address. Still both TransUnion and XXXX keep returning letters stating they have complicated an investigation and reinvestigation that the account was verified by the bankruptcy court, these are false and fraudulent statements by both TransUnion and XXXX as neither have never completed an investigation nor have they ever provided a Certificate of the identity to whom verified the account. 


15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( a ) ( 1 )
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to request that you delete the fraudulent hard inquiries listed on my TransUnion credit report. I have recently become aware of these inquiries and believe that they are a result of fraudulent activity. 

The following hard inquiries were made without my knowledge or authorization : XXXX XXXX XXXX  ( Bank ) XXXX XXXX, 2023 XXXX ( XXXX ) XXXX XXXX, 2023 XXXX XXXX ( XXXX ) XXXX XXXX, 2023 XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX, 2023 XXXX XXXX XXXX - XXXX ( XXXX ) XXXX XXXX, 2023 XXXX XXXX XXXX  XXXX. ( Bank ) XXXX XXXX, 2023 XXXX XXXX XXXX  ( Bank ) XXXX XXXX, 2023 XXXX XXXX XXXX ( Bank ) XXXX XXXX, 2023 XXXX XXXX  ( Finance ) XXXX XXXX, 2023 XXXX  XXXXXXXX XXXX XXXX XXXX Finance ) XXXX XXXX, 2023 XXXX XXXX ( Auto ) XXXX XXXX, 2023 XXXX XXXX XXXX ( Finance ) XX/XX/2023 XXXX XXXX ( Finance ) XX/XX/2023 XXXX XXXX XXXX  XXXX XXXX ( Bank ) XX/XX/2023 XXXX XXXX - XXXX XXXX ( Finance ) XX/XX/2023 XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/202XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2023 XXXX  ( Finance ) XX/XX/20XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2023 XXXX XXXX XXXX ( Bank ) XX/XX/2023 XXXX XXXX XXXX ( Finance ) XX/XX/2023 XXXX XXXX XXXX XXXX ) XX/XX/2023 XXXXXXXX XXXX XXXX ( Bank ) XX/XX/2023 XXXX XXXX ( Bank ) XX/XX/2023 XXXXXXXX XXXX XXXX  ( Bank ) XX/XX/2023 XXXX XXXX XXXXXXXX ( Bank ) XX/XX/2023 XXXX  XXXX ( Bank ) XX/XX/2023 XXXX XXXX XXXX XXXX Bank ) XX/XX/20XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/2XXXX XXXX XXXX XXXX ( Bank ) XX/XX/2023 As a victim of identity theft, I believe these inquiries were made fraudulently and should be removed from my credit report. I did not authorize any of the inquiries and have not applied for any credit products or services with the listed companies. 

According to the Fair Credit Reporting Act, consumers have the right to dispute any inaccurate or fraudulent information on their credit reports. I am exercising this right and asking that you remove the fraudulent hard inquiries from my TransUnion credit report as soon as possible. 

I have also taken steps to protect my identity, such as placing fraud alerts on my credit reports and monitoring my accounts for any unauthorized activity. I appreciate your prompt attention to this matter and look forward to your response. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Product: Mortgage

My wife and I are closing on a new build and one of the preferred lenders that the builder has listed is Wells Fargo Home Mortgage. We went with Wells Fargo because they were the first to return our phone call and we were up against a time frame to get preapproved for our loan. 
Within a few days of us submitting all of our required documents for pre approval we received our letter from Wells Fargo stating we were pre approved and we were ready to begin the loan process for our new build. 
To date we have been working with Wells for 10 months and every couple of months they ask for updated bank statements, financials, etc ... However it was n't until 5 months before our anticipated closing that I noticed our loan office put in a loan requirement of a " Gift '' requirement from my father for XXXX. I immediately called and emailed the loan officer that we never discussed a " Gift '' amount to help us close and I also expressed my concern as to why this was showing in my file. A few days late I received an email back stating that they would update this in my file and that we were on schedule with everything, A few months go by and again I am asked for updated statements, financials, etc ... We send these off and two months later I receive an email saying we are short on your reserves and can I again send over statements, etc. We send these over and presume everything is good because we are showing what needs to be shown for financials. 
It was n't until last week ( 4 weeks before closing ) that we received a call that said we need to come up with XXXX more in cash to cover reserves. As you can imagine the frustration level started to go way up. Over and over again we asked to why we are just now finding out about this 4 weeks before our closing and the response from our loan officer was, " just go ask someone for the money '' or " go ask a parent or something '' So you mean to tell me this is your standard practice Wells Fargo? After stating that the " gift '' option was not an option they said, " we just need to show it and then you can return it to the person who gifted it to you '' Again we asked is this standard practice? 
Then we were told we can liquidate our XXXX. We asked if this is again a standard practice on how they treat their customers.
Product: Credit card

I sent a check for payment on XX/XX/year>. My bank shows that this check was cashed. Mastercard is " currently investigating '', but they keep calling me and sending emails telling me my account is past due. This will damage my credit rating. 

I just sent them another payment to try and stop this harassment.
Product: Debt collection

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. The 3 Credit Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

Wells Fargo Bank has my credit card mark as a late payment back in XXXX I called them to alert them to ask for a extension to pay the bill at a later date, Wells Fargo ok that I can pay the bill 20 fays later. And which I did, Next you know they mark me as a late payment. I would like to get that situation cleared up.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX keeps reselling my debt to third party agencies. I disputed this collections account and it fell off my credit report months ago, but has now reappeared again. They sold it to NTL RECOVERY AGENCY.
Product: Credit reporting or other personal consumer reports

I recently discovered unrecognizable accounts on my credit file. I reached out to Credit bureau to investigate, delete, and send me updates. I also sent copy of police report but they are always sending back the same generic letter stating that they do not believe I sentXXXX in the disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

The car was returned on XX/XX/XXXX and the last payment on the lease through XXXX or XXXX XXXX was made on XX/XX/XXXX and the receipt along with the California DMV are attached to this showing the last payment made on XX/XX/XXXX and the car changed title on XX/XX/XXXX. the account number is XXXX with XXXX XXXX XXXX and my name is XXXX XXXX XXXX. 
So first the account needs to show closed on XX/XX/XXXX and secondly there ca n't be a past due at all for XX/XX/XXXX as all of the lease payments were made prior to lease end on XX/XX/XXXX. 
They are trying to show a late for {$36.00} for something that is not a payment but a milage assessment that was done after the car was submitted and we did n't even get the bill for the difference until well after so the late needs to be removed for XX/XX/XXXX. 
XXXX/VW when I spoke with them told me that they were sending a letter to the bureaus to remove the late which was incorrect in XX/XX/XXXX but that still has n't happened, and they would not provide me a letter. 

Trying to get a re-fi and this false late is causing problems, and XXXX/VW needs to get this removed now from all 3 bureaus for XX/XX/XXXX and I was never late on the account. 

Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX includes some inaccurate personal information please review the relevant documents that have my correct details
Product: Credit reporting or other personal consumer reports

I am writing to formally follow up on my previous dispute regarding the accuracy of several items on my credit report. While I have received your response and the results of the investigation, I must respectfully disagree with the conclusions, as several accounts were not properly validated, nor was sufficient evidence provided to support the continued reporting of these items. 

Specifically, I am disputing the following accounts : XXXXXXXX XXXX XXXX This account was marked as " updated. '' However, I have not received any documentation or validation proving the accuracy of this debt. 
XXXX XXXX XXXX This was " verified as reported. '' I am requesting proper validation as outlined under the Fair Credit Reporting Act ( FCRA ), including proof of the original agreement or contract associated with this debt. 
XXXX XXXX XXXX Marked as " updated, '' but no supporting documents or validation of the debt were provided. 
XXXX XXXX XXXX Updated with no validation. 
XXXX XXXX XXXX Verified as reported, yet no validation documentation was supplied. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a thorough investigation and verification of the debts. Simply marking accounts as " verified '' or " updated '' without providing evidence does not meet the legal standard for validation. I am requesting that you provide me with : A copy of the original signed agreement or contract that proves the validity of these debts. 
Documentation of all communications related to the debts and a full accounting of how the amount owed was calculated. 
Proof that the creditors are legally authorized to collect on these debts. 
If you are unable to provide this information, I request that the unverified and unvalidated items be immediately removed from my credit report. Continued reporting of unverifiable information is a violation of the FCRA, and I am prepared to escalate this matter if it is not resolved in a timely and lawful manner. 

I expect a response and resolution within 30 days, as required by law. Please update me in writing, and if applicable, send me a corrected copy of my credit report reflecting the removal of any unverifiable or invalid items. 

Thank you for your prompt attention to this matter. I look forward to your timely resolution of these issues.
Product: Debt collection

I have been referred to a collections agency for services rendered by a XXXX  in 2020. At the time, I was unemployed as a result of the COVID-19 shutdowns and therefore eligible for and covered by XXXX. The XXXX  was aware of my insurance coverage and indicated that they would bill XXXX for the rendered services. Unfortunately, it appears that they did not bill XXXX for over a year after my visit, so their claim was denied. I was informed by XXXX that I am not responsible for the charges associated with this visit, but the XXXX XXXX referred me to a collections agency nonetheless. I have previously written them several letters explaining the error on their part, but they have been unresponsive. I ask for assistance regarding this matter. I am deeply concerned that my credit will be negatively impacted by this referral to collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

Details : On XXXX XX/XX/XXXX, our neighborhood mailboxes were broken into/damaged and mail was stolen. The mailboxes were not fully repaired until the 3rd week of XX/XX/XXXX. I was under the impression that the last payment that I made to Honda Financial Services for my car loan was made in XX/XX/XXXX. I found out later that I had one more payment left but that was after my automatic payments had stopped. Honda sent out a XXXX statement that I did not received due to the mail theft. They mailed another letter alerting me of the last payment that had not been made ( printed on XXXX XXXX and mailed around that time ). I also did not receive that letter until XXXX XXXX, exactly on the XXXX  day of being late. I made that payment to XXXX that very day. Because I made the payment on XXXX day, it was considered late and was reported to the credit companies. 

Circumstance Beyond My Control : Until our mailbox was repaired, we had to go to the local post office to pick up our mail and due to the ongoing local COVID-19 restrictions at the time and to minimize potential exposure ( I have XXXX parents and XXXX at home ) I was only able to make trips to the Post Office every 1.5-2 weeks. I sent an appeal letter to Honda detailing the extenuating circumstances beyond my control and provided the police report as evidence of the mailbox theft/destruction. They provided a timely response denying my request to remove the late payments from my credit. I tried calling them to get details about the investigation and to understand why they did not consider the circumstances beyond my control, but was unsuccessful in getting any information. Before this incident, I had excellent credit without having a single late payment on my multiple credit/mortgage/auto loans that clearly show this was a one-time event due to circumstances beyond my control in a challenging COVID environment. This single late payment dropped my score 90+ points.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The : listed account need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$34000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Social Security Number : XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject XXXX Request for Removal of Unauthorized Hard Inquiries Due to Identity Theft Dear XXXX and XXXX, I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several hard inquiries that I did not authorize, which are negatively impacting my credit score.

The unauthorized inquiries related to identity theft are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the Fair Credit Reporting Act ( FCRA ), 1 have the right to dispute any inaccurate information on my report. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted.

Additionally, I have filed an FTC identity theft report with the Consumer Financial Protection Bureau ( CFPB ).

Please investigate these inquiries and remove them from my credit report at your earliest convenience. I would appreciate confirmation once the removal is completed or guidance on any further steps required. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card

Without cause, TD Bank decreased my credit limit from {$5000.00} to {$3900.00}, therefore increasing my credit usage which negatively affects my fico score. I do not have any late payments.
Product: Credit card or prepaid card

Amazon 's Credit Card- through Syncrony : Initially set up an autopayment for the minimum due, in case I missed making the payment I wouldn't get dinged for missing with fee 's and a 30 day late- which all banks want to do to you to raise the costs to you. That autopayment unbenounced to me wasn't going because I was already making payments during the month to pay down the card. I was confused when I calculated the amounts over the last 6 months that should have been made as to why the cards balance was still so high. It was because NONE of the autopayments had gone. I then adjusted the autopay to be {$50.00} which was higher than the minimum due by far. This over 6 months would have paid off the balance ( along with the extra payments that were made ). Instead it goes additional months- with interest - that's not acceptable. Synchrony will tell you that it's to avoid double payments and avoid NSF 's, I can see that use case as well. But, for me it's about paying the debt off as quickly as possible. Why do I want to pay interest if I don't have to? 
The letter today was - ( attached ) your autopayment is {$0.00}. The online system tells you that you are paying {$50.00}, that's another issue. This is screwing the customer for additional interest and that's not acceptable. 

If I have an amount in my autopay- it should get paid. They can't chose for me. This adds additional interest to my account.