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

1 ) TD XXXX XXXX XX/XX/2018 ... 

Dear Credit Reporting Agency I am a victim of identity theft, Im writing too dispute the following items on my credit report.

Each of the following and transactions Im disputing were open and made by someone other than myself. I have contacted there companies and none of them have provided me with any documentation verifying that these accounts belong too me or that I signed for them. I never authorized, used or benefited from these accounts or transactions in any way. Please provide me with documentation or remove inaccurate information immediately from my report ; Im a veteran who served his country with great courage and valor I deserve better ( again ) Please remove immediately
Product: Mortgage

I have made my monthly payment well ahead of schedule and have also made extra payments towards the principal of my loan. Westar Mortgage has incorrectly processed several of these payments and ends up grouping them as " Unapplied Balance ''. I always put the information required in the payment memos to determine if the payment is for " monthly payment '' or to " apply to principal '' per their website 's instructions. I have called several times about this problem and I am assured on the phone every time that the problem is going to be fixed and I don't need to have any further actions. Because Westar Mortgage is not applying my payments properly it is causing me to incur extra interest and late fees that I should not be required to pay. 

I now have over {$2000.00} that they are calling unapplied balance and Westar Mortgage is sending me letters saying that I have missed payments and that they are going to turn over my information to the credit bureaus as well as keep charging me late fees. 

I feel this is unacceptable and need it to be known that Westar Mortgage is not servicing my FHA loan in a professional and logical manner.
Product: Credit reporting or other personal consumer reports

The total balance of the loan was {$870.00} Loan ID : XXXX with XXXX XXXX has inaccurate information reporting and was never given permission to report any information. The account is stating that I was 30-59 Days Late : XX/XX/XXXX, XX/XX/XXXX, XXXX Days Late : XX/XX/XXXX. 


The accounting balance Histories provided to experian by XXXX via XXXX XXXX is inaccurate from whats provided within my payment history on the account. There are several extra payments via my portal and these payments should have been allocated as regualr monthly payments. 

This account was last disputed on XX/XX/XXXX to Experian. Previously XXXX was contacted via phone in XX/XX/XXXX regarding the inaccurate informatin. 

The loan verfication document never mentions late payment history.
Product: Debt collection

I noticed that Collection Management Services of XXXX XXXX, TN had reported negative information on my report without my consent ( violation of 15 USC 1681b ( a ) ( 2 ) and 15 USC 1692j ( A ) ). I began to make payments in order to satisfy the balance and clear my name and credit. My goal is to buy a home ; so it was important that I took care of the matter. I received an letter from them dated XX/XX/2021. The letter was sent for an organization in all caps and not to me the consumer. I seen that it was not my debt and I decided to request validation on XX/XX/2021. They did not give me any proof of agreement or contract that I had with Collection Management Services and they sent another letter requesting payment on XX/XX/2021. Under 15 USC 1692c ( c ) ( 1 ) ( 2 ) ( 3 ), I sent a cease and desist on XX/XX/2021. As of today, Collection Management Services are still reporting to XXXX, XXXX, and XXXX  which is a violation to 15 USC 1692j ( A ) and 15 USC 1692c ( c ). Under my rights as the consumer, I demand them to be deleted immediately for they do not have the right, contract, nor agreement to do. The company logo and language on the two letters is a violation of 15 USC 1692b ( 5 ). As the letter continued, they stated it was an attempt to collect which is a violation of 15 USC 1692b ( 2 ) on both letters. As the consumer, I'm seeking remedy under 15 USC 1692k ( a ) ( 1 ) ( 2 ) for each FDCPA violation. As a debt collection agency, Collection Management Services take an oath to abide by the FDCPA.
Product: Debt collection

I have sent Chase Bank two certified letters ( XX/XX/XXXX, XX/XX/XXXX, both in 2021 ) to request them to eliminate these accounts from my credit reports asthey are my father 's who died in XX/XX/2021. I have requested an investigation of these accounts and of any proof that these accounts are mine but they have ignored my letters and phone calls. I have recently seen where they have re-aged these accounts so to add extra length to debts that are not mine.
Product: Credit card or prepaid card

American Express has sold out to the Merchants!

Beware as they are no longer protecting the cardholders!!!! 
They used to be Great! 
Im a senior with a serious XXXX XXXX and this situation where the dentist is trying to keep my deposit is very stressful and wrong. 
Seems American Express is helping him steal my money .My friend works for the XXXX  XXXX and will be submitting my story to be published so that people are aware how American Express has changed and deteriorated. 
I have been defrauded by a Dentist and for five months they have done nothing except are trying to charge me back for services never received and Ive already paid super inflated charges by a fraudulent Dentist for the couple of services he did. 
They have evidence from 2 Reports from 2 reputable dentists and Amex is ignoring it. Amex has now outsourced the Dispute dept and its a disaster.

You end up talking to twenty different people who dont understand and can do nothing! 
On top of it My cardholder agreement gives me the right to Dispute a charge but they are denying me this right which is illegal a lawyer told me!! 
On top of it this nightmare been going on since XX/XX/2022 almost 5 months. 
My lawyer wants me to sue them. 
Consumer Financial Protection needs to investigate their unethical tactics and my breach of contract by Amex for not allowing me my right to Dispute. I have it recorded as they denied me 5 times even though they know its in my agreement. 
They have forgotten who pays them as Ive been an excellent customer of Amex over 32 years and have received no appreciation or loyalty from them. 
They sold out as I guess they figure there is more money siding with fraudulent Merchants. 
You can publish this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Rs Clark and associates is still showing an unpaid balance to original creditor XXXX XXXX XXXX. I call XXXX XXXX and they confirm I have a XXXX balance and it was paid 3 years ago but refuses to provide proof. Neither company will communicate with the other and my efforts to dispute with XXXX and XXXX  were denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report on XX/XX/2021 and sent a notice and pulled it again on XX/XX/XXXX and noticed an auto loan that is being reported. This auto loan is categorized as an " experience '' I initially had with XXXX XXXX of XXXX XXXX and then with XXXXXXXX XXXX so reporting it publicly to Experian, XXXX and XXXX is a violation of the Fair Credit Reporting Act ( FCRA ), because they werent involved in this private matter, and this is a violation specifically of 15 USC 1681a ( 2 ) ( a ) ( i ). Because Ive already sent a previous notice to the furnisher or creditor, this is also a violation of 15 USC 1681s-2 : responsibilities of furnishers of information to consumer reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The current status should not be showing late because I paid it on time. XXXX and Equifax Credit Reporting Agency lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Bureaus are required to verify for them, but they failed to neither verify nor update me about this complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise update this account immediately. UPDATE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/2015 Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Wells Fargo made it impossible for me to continue making mortgage payments when I was a couple of months late. They force another loan on me to pay themselves. I insisted that I would make payments. They refused and sent a representative to my house at XXXX XXXX XXXX XXXX XXXX for me to sign for a supplementary loan. 
I sold the house in 2018 and filed a company with Wells Fargo but never got any resolution.
Product: Debt collection

I literally just received a notification from XXXX that there was a change to my report due to Midland Credit Management. When I check on what it was it stated a collection for something called XXXX XXXX. I have not received any prior notification from Midland Credit Management. I did not receive a letter that gave me the opportunity to dispute or anything. THIS IS ILLEGAL. YOU CAN NOT JUST POP UP OUT OF NO WHERE ON PEOPLE CREDIT LIKE THIS IS A GAME OF JACK IN THE BOX OR PICK A BOO AND THINK IT IS OKAY ... ITS NOT ... .I AM GOING THROUGH ENOUGH AS IT IS FROM XXXX XXXX XXXX OUT OF NOWHERE I AINT GOT TIME TO KEEP TRYING TO HAWK MY CREDIT REPORT BECASUE OF PEOPLE LIKE YOU .... IM REALLY FEELING XXXX XXXX DUE TO THIS.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed are not mine. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX LVNV FUNDING LLC C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately.
Product: Mortgage

Dear XXXX. Seterus is charging me fees to see if I still live in my home ( I requested it me be retured ). They " say '' they send a guy out to see if I still live there. I call them every month and talk to them. Setures took the account over XX/XX/XXXX15. I tryed to pay extra to get caught up on my account ( now does that sound to you of a guy who is going to abandon the property? ) .If they give me back my late fees and house watch fees their would be enough in the account to get caught up but NO, all the care about is money and stealing homes for huge profits.WHY do I need these crimminals handling my account for, they do n't care about communities or people they have to step on. I call them to investage my payments to see what the mistake was make and to call me. They told me they do n't call people with the results, WHY? What are they hiding, so they send paper work they you need a lawyer to explain what it means and they know I ca n't afford that so they get away with if. WHY are n't you as a goverment agency helping me with this problem againest these crimminals? SO NOW they took MY extra money and applied it to the principle, I NEVER GAVE THEM PREMISSION TO DO THAT, just another way for crimminals to get more money from me. I am asking you as a goverment agency to get my money back and apply it to the back taxes account or have then send me a chech for the FULL AMOUNT.
Product: Mortgage

I am still having issues with this mortgage loan servicer asking for more information for loan modification application. I been compliant now they are asking for additional bank history which already been supplied. And as of today XXXX.2023 the loan servicer is confused on my bank account number.
Product: Student loan

I keep getting phone calls from a company who claims that I can get loan forgiveness and I do not know if this is a scam or actually a legit program. Can you help?
Product: Debt collection

I received a SPAM call from XXXX. First off, the caller did not identify themselves and they pronounced my name incorrectly. Secondly, they stated the call was being recorded but did not state they were calling from a collection agency. Thirdly, the caller said that I owed a XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

My last physician visit in XXXX XXXX  was in XXXX. Beginning in XXXX I started receiving my care XXXX a physician located in XXXX XXXX and their billing department will send me a text notification first regarding any pending charges after my insurance has paid the claim and then they provide me with a paper statement via US mail. All other correspondence from my provider and their billing department are sent to me through the mail. Not once have I received a phone call asking for money, until today. 

I told them that I never receive phone calls from any of my providers or from their billing companies and that I actually had to send a photocopy of the front and back of a check that I had used to pay one of my visits with in XXXXXXXX XXXX XXXXXXXX They wanted to know the date and address of where I sent the photos. If they were actually working for thXXXX XXXX XXXX XXXX XXXXhat they said they were, they would be able to see the document in my account. 

That's when I knew my suspicions that they were a scam were a reality. When I asked the caller if they were trying to scam me for my money, they became very rude and demanded that I verify my date of birth. They knew the year that I was born but they did not have information regarding my birth month and date. When I called the number back ( see above ) the recording stated I had called Transworld Systems Incorporated. and when I looked them up on the internet, the company was listed as a scam and there were multiple, multiple complaints from people that had experienced the same thing I am reporting today.
Product: Debt collection

According to my credit report, I have an account with JEFFERSON CAPITAL SYSTEMS XXXX. I am very confused about how I ended up with not only an unauthorized soft inquiry, but also a debt of {$980.00} that I somehow owe to JEFFERSON CAPITAL SYSTEMS even though I've never done business with them. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts that they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. 
I do not, nor have I ever held an account with JEFFERSON CAPITAL SYSTEMS. I have never signed any kind of physical agreement to pay this amount to JEFFERSON CAPITAL SYSTEMS, nor has the  debt been verified on my credit report. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that all three bureaus have on file of the accounts listed above because their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if the bureaus ( along with collection agencies ) are unable to provide me a copy of verifiable proof, they must remove the accounts listed above. I demand the following accounts be verified or removed from all three bureaus immediately.
Product: Credit reporting or other personal consumer reports

I am reaching out to revisit the matter concerning a hard inquiry on my credit report, which transpired without my explicit approval. Following an exhaustive examination of my credit file, I uncovered an unsanctioned inquiry into my credit history, leading to the inclusion of so, e hard inquiry entries on my credit report. 

XXXX - XX/XX/2023 XXXX XXXX XX/XX/2023
Product: Checking or savings account

I went into the closest Wells Fargo branch in XXXX to change my name and remove my ex-husband from my account after a divorce. I provided the court order from the judge, our final divorce decree my new Social Security card and my new drivers license.. I was told that my name change have been processed. My marital status had been updated and that all access that my ex-husband had to all of my banking products was now removed. Unfortunately, for me, they failed to remove him from my savings account. Thus allowing my ex-husband and my abuser to walk into a Wells Fargo close the account and clear it out. It is not my problem that they failed to do their due diligence to remove him. They failed to protect me. They failed to protect my money and they allowed my abuser to continue to financially abuse me. Wells Fargo is not taking any accountability for their lack of diligence. I did my due diligence. I drove 45 minutes to the closest branch with all the paperwork in hand. They said that the savings account was joint and that I wouldve needed to have opened a new account.. I myself am not a banker and dont know what banking products wouldve been best for me. All I knew was that I needed my abusive ex-husband to not have access to my money I convey that as well as showed them a court order from the district judge in my county stating that he is to be completely removed.. this has caused me so much stress grief as well as financial loss that I feel that Wells Fargo should be held accountable for their lack of diligence with my financial security and safety
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above.

Delete any and all other phone numbers.

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons.

Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed.
Product: Credit reporting or other personal consumer reports

On XXXX, I took the lease vehicle to the XXXX dealership located at XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. Then, I received the XXXX XXXX/Lease Termination Letter which is pretty much blank and missing a lot of important information. XXXX has been reporting this account incorrectly and they refuse to update credit agencies with accurate information. 
They sent me to a collection company which after their investigation and I also provided documents, the collection company agreed to stop their collections efforts and asked the credit agencies to delete this information. I have documents to proof.

Collection got deleted from my credit reports, but XXXX XXXX opened the account and it still not providing the right documentation. They are reporting as open and late. This account was closed back on XXXX. 
Please help!
Product: Vehicle loan or lease

I called in to Westlake financial services because my car was repossessed. I was attempting to make a payment when the agent XXXX XXXX was extremely rude to me saying that if I didn't have time to speak to call back. I informed him that he was being rude and let him know that I no longer wanted to speak with him, and requested a supervisor. His response was that he didn't want to talk to me either and he placed me on hold without permission to transfer. I called back later to make the payment once more. Where an agent who I asked to explain the fees that I needed to pay responded with " How am I supposed to know? ". My response was, well you work there. She began yelling over me and said bye and hung up on me. I called back several times after that to which each agent denied me to speak with a supervisor and hung up on me. When I called back for the 5th time, I made a payment. At that time and only then was I granted to speak with a supervisor after only XXXX minutes of waiting when I was previously told they were all in a meeting. Once the supervisor XXXX XXXX got on the phone. I asked for the agent who I spoke with that hung up on me that had access to my personal information, that way I can file a XXXX complaint. His response was I do not have the right to have that agents name. I think it is despicable how this company allows their agents to treat customers just because we owe money. The culture to be rude to customers is overwhelming and disgusting. I made a payment well over {$1200.00} and was not thanked for the payment, or even offered an apology for how the agents handled me or my account. I am now skeptical of what they will do with my personal information being that they are going through great efforts to conceal the nasty behaivor exihibited by their agents.