23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a letter from XXXX XXXX XXXX stating I owe money to. Advance America. 

I never took out a loan in XXXX. The company does not have the location of the loan just the date of XX/XX/2018. 

I would like to dispute this information as it may be identity theft. 

This information does not show up on my credit report. 

XXXX XXXX XXXX reference number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I consolidated my Federal Student Loans with XXXX in XXXX 2016, but XXXX is still currently showing that I still have a Federal Student Loans with them - the 3 accounts are opened, showing the 3 accounts with a balance, showing that my payments have been deferred - in good standings, and that I still owe them. 

I have been contacting XXXX both verbally and in writing about correcting this information. XXXX is no longer the agencies for my Student Loans, the accounts have been paid in full to XXXX, the accounts should be closed - show a XXXX balance. But they have yet to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute inregards to the incorrect and unverifiable items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Product: Mortgage

I applied for a re-fi loan with XXXX in XX/XX/XXXX. During closing I was told I would only have to have an escrow because my home was in a flood zone. We knew at the time the property was coming out of a flood zone, but the new mapping would not be finalized before I closed. In XX/XX/XXXX my home was removed from the flood zone and I forwarded the appropriate paperwork to Pennymac who was now the servicer of my loan.I received several communications back and forth since XX/XX/XXXX. Each time I was informed either via letter or by email on their site that the escrow would be deleted, then it would not because of my credit score ( my credit was never pulled ), then I would call and be told it was being deleted, then I received another letter that the property loan to value ratio was not met, then I would call and they would say it 's your credit score, I provided my actual credit scores and was told it would be deleted, then I 'd receive another letter saying the request was declined due to loan to value ratio ... .and back and forth. I have all letters and dates to this statement.
Product: Debt collection

XX/XX/2020 XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX First Source Advantage, LLC XXXX XXXX XXXX XXXX, NY XXXX RE : XXXX XXXX Acct # XXXX Amount {$890.00} Dear First Source Advantage, This letter is to inform you that I am disputing this debt listed above. I also want to inform you guys to cease calling me. This debt was not mines at all and I dont know anything about it. I have filed a complaint with the Attorney General of XXXX  and will file a complaint with the FTC. 
In my opinion, you have failed to validate this debt. I must remind you that I originally disputed this debt within the 30-day dispute period outlined in the FDCPA and that I am now also responding in a timely manner to your attempt to validate this debt. Because I still consider this debt as " still in dispute '' I do not expect to hear from you again except to provide information or documentation to clear up my reasons for disputing this debt. 
If this debt is reported on my credit report after I have disputed this debt. I will contact my attorney to file a civil lawsuit against your company. I already advised you in my previous letter that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and that I will not hesitate to take all legal steps necessary to protect myself. Be advised that I am keeping accurate records of all correspondence including tape recording all phone calls. 
Thank you, XXXX XXXX XXXX.
Product: Debt collection

My dentist 's office and I tried on several occasions during XX/XX/XXXX to XX/XX/XXXX to get this loan cancelled by XXXX XXXX XXXX XXXX because information was incorrect and the account was no longer needed. We were continuously told the account was cancelled. Then several months later I found out the account was placed in collections and they wouldnt be able to help me. I havent been able to get any help since.
Product: Credit reporting or other personal consumer reports

XXXX XXXX credit card ending in XXXX reported a late payment to my credit report without my permission being noted and failed to provide the requested proof that my payment was late on XX/XX/23. Also failed to provide my permission that I would allow any late payments to be provided to the credit reporting agency.
Product: Debt collection

I received a debt collection notification from XXXX XXXX XXXX in mid XXXX which was addressed to my name and address for the amount of {$4000.00} for a debt titled " Synchrony. '' I also received a phone call, which I answered and told the representative I was unsure was this debt was for and requested proof of the debt to be mailed to me. I disclosed I am a victim of multiple identity theft instances going back as far as XXXX and at the time had a freeze on my credit for that precise reason. 

When XXXX emailed me the " proof '' it was a simple piece of white printer paper with the same information : Name, address, {$4000.00}, " Sychrony. '' There was ZERO information new and nothing provided to help me determine if I owed this debt. 

XXXX followed up via phone and told me they sent the proof of debt, which I told them was not valid. 

XXXX is still attempting to collect this debt and reporting monthly on my bureau against all laws. This is not a legal debt collection practice and needs to stop and be removed until they can validate the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get this information clear up from all three of my credit report. The bureau inform me that they would not investigate again. The items on my report should have been of my report because the seven years has been up. They have me down as late payment on my mortgage. My report is not right I have tried several times with them to get it resolved. I have call each credit bureau at sixteen times concerning my credit report. I am a disabled veteran. Im getting depressed dealing with this..
Product: Debt collection

This account was settled through a attorney and they refuse to update credit bureaus.It clearly states on there web site that a settled account will be deleted from credit bureaus
Product: Credit card or prepaid card

A XXXX dollar prepaid debit card was purchased for me. The company was Netspend. The card number on original card was XXXX. When trying to " activate card '', I was told I had to switch this over from a temporary gift card to a " prepaid account '' in my name in order for it to work. The prepaid card number is XXXX. Now, when trying to find out the balance and use the card, I was told that I was being charged a monthly fee I was never told about that took my entire XXXX dollar gift I had to begin with. The company scammed me to switch to a product where a fee would get charged so they could basically take my money from me. I was never given the option to us the gift card as it wouldn't even work, which is what prompted me to call when they told me I had to switch to make it work.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate Credit Reporting and Request for Verification Dear Equifax, I am writing to formally dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). The account in question is listed as follows : Creditor Name : XXXX XXXX  Account Number : XXXX This account contains inaccurate and incomplete information, which violates the FCRA . Specifically : Violation of 15 U.S.C. 1681e ( b ) : Equifax has failed to follow reasonable procedures to ensure maximum possible accuracy of the information reported. The credit limit for this account is inaccurately listed as {$0.00}, which is inconsistent with the actual credit limit of {$15000.00}. This discrepancy negatively impacts my credit utilization ratio and overall credit score. 
Violation of 15 U.S.C. 1681s-2 ( b ) : The data furnisher, XXXX XXXX , has failed to conduct a proper investigation into the accuracy of the information reported. Despite the account being previously disputed and marked as resolved, the inaccuracies remain. 
Under FCRA 611, I am requesting that Equifax provide the method of verification for this account. Please provide the following : The name of the party who verified the information. 
The method used to verify the accuracy of the reported information. 
Copies of any documentation used in the verification process. 
I demand that Equifax investigate this matter thoroughly and correct the inaccuracies immediately. If the information can not be verified, it must be deleted from my credit report. 
Please provide a written response within 30 days of receipt of this letter, as required by the FCRA. 

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

Suddenly appeared account that is not mine. Someone used my personal info and as a result I have this item in my credit report. Please delete this account because its not mine. 

This is that account : Law Offices XXXX XXXX Thank you for understanding )
Product: Checking or savings account

I made a payment through PayPal using my credit card ending in XXXX. Even though I provided all the credit card information and received a confirmation, PayPal wrongfully took the money from my checking account without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed 2 XXXX XXXX XXXX accounts with the credit bureau however they are not actually disputing fairly in accordance with the FCRA. I 've asked for the method of verification and they admitted to not actually verifying and if these laws are in place how are they allowed to continue to not follow them? I recorded a conversation with XXXX XXXX XXXX with there knowledge and XXXX admits to not being able to verify 2 XXXX XXXX XXXX accounts that they are reporting on my credit report which is harmful to my credit. They are n't verifying the accuracy of these accounts. I do n't have any accounts with XXXX XXXX XXXX as I have never done business with them. If they are still sending electronic codes that does nothing because there is no proof of this in which I 've asked for many times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victim of Identity theft. Please delete those hard inquiries off my credit report! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

On XX/XX/2023, my family member sent me {$1000.00}, but when sending, the bank accidentally missed one digit of my account. After about 1-2 weeks, the sending bank corrected this and informed the receiving bank. To this day XX/XX/2023, the sender bank reports that the money has been delivered to the bank, while Capital One Bank says that the money has not been received.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th 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 alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$2000.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$790.00}, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I went to deposit cash into my brothers Checking account at 5/3rd Bank. When I walked up to the teller, I handed her the deposit slip and the cash. She asked if I was on my brothers account. I said, No. She then proceeded to ask me for ID so she could make a copy for their system, and she asked me for my SSN, My Occupation & my Cell Phone Number. I told her I was not comfortable giving her all of that information as I DO NOT BANK with 5/3rd and I didnt feel comfortable giving them my information to hold in their system. I asked her why the bank required this information? She could not answer the reason why. I asked her, what if there is a data breech? I dont even belong to your bank and now you have my nppi in your system. She laughed it off and said, yeah like XXXX XXXX that just happened to? I didnt find that a joking matter. She told me that she could not accept the deposit unless I gave her that information this was a rule from corporate and shes just doing her job. I ultimately had to give her the information in order to make the deposit. I made the deposit and I left. I called the corporate office and asked to speak to someone who could explain to me why they require my personal, non-public information in order to make a deposit? The women at the corporate office could not answer my question and refused to connect me with anyone who might know. She said that must be a branch rule. I said how could collecting that kind of information be a branch rule? They are inputting into your corporate system? I asked her multiple times to please transfer to someone who knows the banks policies. She refused. This was the 5/3rd Corporate Number I dialed ( XXXX ) XXXX and pressed 0 for the operator.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Auto Insurance Policy # XXXX is created confirmed to establish automatic payments to XXXX XXXX XXXXXXXX XXXX affiliate, XXXX XXXX located in XXXX. 
XX/XX/XXXX - Cancellation of Insurance Policy XXXX date is determined to be active as without confirmation between the buyer of the contract. Therefore breaching the consumer law. XXXX XX/XX/XXXX - Date of Loss of XXXX XXXX XXXX covered under the existing policy # XXXX ; this documents Me as party with insufficient insurance and in turn voids complementing existing GAP insurance coverage. 

XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX provided a coverage policy quote to adjust to changes with payment structure and establish a new policy. creating negative credit reporting to all bureau adverse action on, creditor 's report and liable for tort for multiple parties covered in the policy as drivers damaging credit and my account being reported on record as charged -off.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate of unverifiable information ( A ) general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate of incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the file of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following item ( XXXX ) from my report, immediately : Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | {$4500.00} XXXXThis account is being reported inaccurately, please remove this from my credit report immediately.
Product: Mortgage

I refinanced our mortgage and closed on XX/XX/XXXX. Ditech owed us {$3300.00} from the escrow account. 
On XX/XX/XXXX I called Ditech, and they said they mailed a check for the full amount the previous Saturday, XX/XX/XXXX. and gave me the check number. It has not arrived, and it has been 9 days. 

I called Ditech again today, and they said it must have gotten lost in the mail. I was warned beforehand that it could be difficult getting the escrow refunded in a timely manner. I was also told there are regulations that lenders must follow in re : to returning escrow funds, and I research this. There are regulations and fines, and I believe Ditech needs to be investigated and fined for not returning our funds within the required timeframe.
Product: Credit reporting

I had XXXX state tax liens in the amount of {$8200.00} and {$5400.00} that were PAID and released by the state of Massachusetts in XXXX 2014. I have requested Equifax update my report to reflect the release status multiple times. XXXX already has, but Equifax continues to report the accurate status.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX they are incorrect. I asked for verification, but they have not provided information and keep reporting it on my credit reports.
Product: Mortgage

Selene Finance XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX On XX/XX/XXXX the negotiator XXXX XXXX XXXX, asked us how long our buyer would need to close. We told her we needed 30 days on the approval letter. TWO WEEKS LATER ( XX/XX/XXXX ) she sent an approval letter only good for 10 days -- -- This only gives us 9 days to close!!! We, again, very explicitly told her in an email ( See emails attached ) that we need at least 30 days on the approval letter -- -- -- ESPECIALLY DUE TO THE ISSUES AND DELAYS THAT COVID HAS PLACED ON COUNTY RECORDING TIMES. -- -She IGNORED OUR EMAIL. -- -- -- -- We have sent XXXX XXXX multiple emails throughout the transaction that she has outright IGNORED. At this point it is obvious the negotiator at Selene has tried to force a closing on this short sale in order that she may get her bonus this month. Forcing the buyer and seller to rush to close also creates liability for contracting and/or spreading COVID.  This is knowingly endangering peoples lives and safety. -- -- -- -- WE HAVE ALREADY HAD TO FILE A COMPLAINT AGAINST SELENE DUE TO THEIR GROSS INCOMPETENCE. -- -- -- We want a short sale approval letter good for 30 days like we told her three weeks ago.
Product: Credit card or prepaid card

I applied for a Southwest airlines credit card associated with Chase Bank to take advantage of {$200.00} credit toward my trip to Hawaii and my application got rejected. I have over 750 credit score as per the XXXX credit bureau this morning and over {$350000.00} annual income and I have been banking with Chase Bank for over 10 plus years and my credit utilization is 28 % as per XXXX  snapshot attached. 
I felt like Chase Bank doesnt take care of their customers at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken with numerous people in regards to this issue as well as sent several certified letters. I know nothing of the medical bills from XXXX. I asked for written verification as well as signed contracts with my signature for XXXX ... there were XXXX accounts on my report for XXXX in which XXXX were deleted yet XXXX remains and EQUIFAX JUST REFUSE TO DELETE ANYTHING AND REFUSE TO SEND ME WHAT SIGNED CONTRACTS ... .AS well as other companies with medical bills I have no knowledge of from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX AND XXXX XXXXXXXX XXXX on my report in which I have asked numerous times for valid validation ( signed contracts with these companies with MY SIGNATURE ... dates etc ... ..I HAVE NOT RECEIVED ANYTHING yet they still appear on my credit report as mine ... HOW IS THAT POSSIBLE? ..HOW ARE THESE FRAUDULENT ACCOUNTS VALIDATED? PER THE FAIR CREDIT REPORTING ACT THESE COMPANIES ARE IN CLEAR VIOLATION OF MY RIGHTS ... HIPPA LAWS AS A THIRD PARTY REPORTING AS WELL ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through eOscar. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.