23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am reaching out to inform you that I have been a victim of identity theft. Please consider this communication as a formal dispute regarding the following accounts. I have contacted all the companies directly and followed the necessary steps to address this issue. I filed an identity theft report with the FTC and have informed all the companies involved. Now, I am disputing the information that should not even be appearing on my file. Please assist me in resolving this matter promptly. 

XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. 
I am willing to give you XXXX final opportunity to process my request regarding my identity theft. Failure to do so will leave me with no choice but to seek legal recourse in the courtroom, where you will be held responsible for the damage inflicted upon my reputation, credit, and emotional well-being as a result of this issue. It is highly likely that the significance of the material facts will become abundantly clear, and you will be required to compensate me for your negligence.
Product: Credit reporting or other personal consumer reports

I the personal representative for the Principal have sent numerous correspondence to XXXX, TRANSUNION, AND XXXX telling them who the Principal is and why they shouldn't be displaying information to anybody about a Fictitious Entity. It all started in XXXX. I even sent a authenticated Birth Certificate which displays a full faith and credit for this Entity. No reply and the Credit Reporting Agencies still want to display erroneous, false, incorrect, theft by deception information that the Credit Reporting agencies have on file and they know it is not the real living man or woman.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following fraudulent inquiries from my Equifax credit report : XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX-Branch XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Branch XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Remove the identity theft accounts from my credit report immediately, as required by law under FCRA 605B. Failure to comply will lead to legal action, and my attorney is ready to take necessary steps to hold you accountable for noncompliance. This is your final warning. XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraud alert on my Equifax credit report. I want Equifax to immediately delete and remove the fraud alert from my credit report. Furthermore, I have never resided or lived at the following addresses : XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, the following phone number isnt my phone number : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 US-CODE 1692E FALSE OR XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

5. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX
Product: Mortgage

I am currently in mediation with Wells Fargo due to issues with how they have handled my loan. Specifically, they failed to apply all my payments correctly, added legal fees as part of the loan modification process, delayed the loan modification itself, and reported negative information to the credit bureaus. 

As part of the mediation process, I requested a full payment history from the beginning of my loan. Wells Fargo instructed me to request this information from my current loan servicer. I did so, but the loan servicer only provided the payment history starting from XXXX, when the loan was transferred to Wells Fargo. 

I still need the payment history from before the loan was transferred to Wells Fargo, but despite numerous calls and repeated requests, they have refused to provide this information. This is critical for resolving the discrepancies and understanding how the payments were applied and continue my effort to mediate.
Product: Debt collection

Dear Department of Education, In accordance with the guidance enacted by the Department of Education XXXX am eligible for {$10000.00} in student loan forgiveness given I currently have a Parent Plus Loan Account Balance of over $ XXXX. 

I hereby request this be reduced by {$10000.00} and that all three credit bureaus be informed that the balance has been adjusted to be {$10000.00} less than it currently is.
Product: Credit card or prepaid card

On XX/XX/2018 I had 2 fraudulent charges at a XXXX in Colorado one in the amount of {$1000.00} and another for {$760.00} and I am in South Carolina have not visited the stated. The card is damaged and can not be swiped and I have the card in my possession so it had to have been hacked I called Netspend the day it happened the on the first call was advised that it could take anywhere from 10-45 business days for me to receive a response and may not get my money back. I asked to s/w a manager and was placed on hold for over 20 minutes so I hung up called back and was trying to tell the lady who went by " XXXX '' that my card had been fraudulently used and advised her of the previous call and I just wanted a manager. She proceeds to tell me that my other card was working and I could use that one. I tried to explain to her several times that's not why I was calling and wanted to s/w someone else she refused. Then said that she was going to transfer me to her colleague the phone went dead. I tried to call back got a recording that I was calling after hours and to call back during regular business hours. In the mean time my card had attempted to be used again for {$5.00} purchase that was denied by Netspend. 
I call today XX/XX/2018 I didn't get the lady 's name but she assisted me and asked questions about the card again I tell her I have the card in my possession it is not lost and it can not be swiped because the strip on the back of the card is worn off and I kept it active because of the bills I had set up on autopay on that card. I had to get a new one because of that reason ending in XXXX. She said that she could see I hadn't been using the card ending in XXXX. gave the info to where I could send the request to ask for a temporary refund until the investigation was completed and she deactivated the card. They have advised the letter has been recv 'd when I called back to give the police report number ( XXXX XXXX # XXXX case # XXXX ) the lady who answered told me just to email it to them instead of taking it over the phone. I have {$21.00} to my name after this has transpired and my rent and daughter 's school tuition have to be paid and they know and could careless I asked for a number to the USA she declined to give it once I found out there customer service is located in the XXXX
Product: Mortgage

In your letter dated XX/XX/XXXX you stated after you provided proof that you had acquired insurance coverage yourself we canceled the insurance we got for you and sent any refunds of the premium you pay to your escrow account 1. Please send me a copy of the letter the insurance copy that you received showing I had insurance from XXXX through XXXX with the same company you failed to provide that in your prior explanation when doing an investigation you must supply the homeowner with the investigation the documents you acquired how you corrected your error you failed to do that in this letter dated XX/XX/XXXX you're obviously trying to avoid the obvious. Also explain why you think returning a check for {$2200.00} in XXXX of XXXX and foreclosing on the homeowner and taking their house away makes them whole. 
This check was payable to XXXX XXXX but you stopped payment on the check I want to know who gave you those instructions to put a stop payment on the check who the check was issued too I want a front and back copy of the check to see who benefited from my money You violated the law because you had 30 days to do the investigation come to a conclusion tell the homeowner you made a mistake and correct the escrow account you chose to break the law and wait five years the homeowner suffer because you failed to follow the law? 
1024.35 Error resolution procedure Your servicer must generally confirm it received your letter within five business days and respond with an answer within 30 business days.
Product: Checking or savings account

-I went to XXXX on XXXX - the charge was showing pending on my accounts -On XXXX the charge was gone and now showing " Dept Pending Correction '' for the same amount. 
-Wells Fargo

did not notify me that the charge didn't go through and it is still pending. -It seems sketchy
Product: Credit reporting or other personal consumer reports

Between XXXX and XX/XX/year>, I made a payment and set up an automatic payment option at the same time. 
In XX/XX/year> I checked my credit report and it shows a late payment from XX/XX/year>, something I was never notified of. 
On XX/XX/year> and XX/XX/year> I sent letters to all the addresses on my credit report and they all returned them as undeliverable, saying the address is wrong, very wrong to report wrong addresses on my credit report. 
I finally XXXX  his address and sent a third letter requesting a review and goodwill letter to remove that late payment, because the payments were made automatically from XXXX XXXX and this affects the ability to get better credit in the future with other banks. 

I even called and they said they would look into it and get back to me. 
There is no answer yet
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX, XXXX Account # XXXX {$1900.00} Account # XXXX - {$710.00} Account # XXXX - {$710.00} not only did my medical insurance cover the above amounts the two accounts that show I allegedly owe {$710.00} is reporting on my eqifax credit report incorrect its showing i owe {$730.00} on XX/XX/2022 the above accounts were removed and then readded on my credit report as new collections My privacy was also violated during a time where these medical bills were inaccurately allegedy validated by this third party collection. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 15 U.S.C. 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTUCTIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I opened an account with Bridgecrest in XX/XX/XXXX for a car loan. The car was involved in an accident in XX/XX/XXXX and deemed a total loss. Insurance paid the fair market value for the car on XX/XX/XXXX in the amount of {$27000.00}. Gap insurance paid the remaining balance on XX/XX/XXXX in the amount of {$7400.00} which posted to my account on XX/XX/XXXX. My account was closed with a XXXX balance on XX/XX/XXXX. 

Despite receiving a $ XXXX insurance payout in XXXX, Bridgecrest began reporting my account as delinquent in XXXX. They continued to report my account as delinquent in XXXX and XXXX which was unequivocally false. 

I spoke with the credit reporting department at Bridgecrest several times in XXXX and they assured me that credit reporting would be updated when the account was paid in full. 

So I waited until the Gap claim payment sent to Bridgecrest. I had to call several times between XX/XX/XXXX when the payment was sent to XX/XX/XXXX when the payment finally posted to my account to gather status on when Bridgecrest would post the payment to my account and revise my payment history on my credit file only for the agent to tell me to call back the next day or next week. On XX/XX/XXXX, I was elated to hear that Bridgecrest finally posted the payment and I was transferred to the credit reporting department where that agent was so kind and helpful. She was completely sympathetic to my situation and apologized for the plight that Bridgecrest had taken me through. She advised that the credit reporting would be updated to reflect that my account had never been late for the life of the loan. 

She submitted the correction to the credit reporting agencies and emailed me a copy of the letter. Credit reporting was updated the within a day or 2 days and showed the true state of my account- NEVER late. 

On XX/XX/XXXX, I received a credit alert that I had a late payment reported to my credit file. It was Bridgecrest again reporting my now closed account as XX/XX/XXXX days late. 

I called customer service and they pointed the finger at XXXX saying it was an error on their end and they had not reported the delinquency. So I did my due diligence and called XXXX. They told me that XXXX only reports what is communicated to them ( which has always been my understanding as well ) and that Bridgecrest had reported the delinquency on XX/XX/XXXX. The rep at XXXX graciously filed a dispute since Bridgecrest refused to acknowledge and rectify their error when I called that day. 

I have lost all faith in the ability to handle this issue directly with Bridgecrest. I have never had to call customer service as frequently with any other business in which I am a customer as I have in my short time being a Bridgecrest customer. This is by far the worst customer service experience I have ever dealt with. This company has poor business practices and even poorer customer relation deftness.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company continues to use unfair and deceptive means to attempt to collect a debt. They are posting inaccurate information on my Equifax consumer profile. I've contacted XXXX XXXX XXXX Equifax numerous times disputing this alleged debt. I've asked for validate & verify provide documentation that I am legally obligated to pay them. They did not. I asked them to Cease & Deists Communication in reference to the collection of this debt on all mediums including to any non-affiliated third parties. They did not. I've never gave consent for them to share any of my private nonpublic information. 
Also as defined by the IRS -Even if you don't receive a 1099C, you must report cancelled debt as gross income on your tax return. 
The IRS clearly defines a charge off as Gross or Ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT!! 
XXXX XXXX is reporting this account is C/O on my consumer report they SHOULD NOT. 
Delete this account!!!
Product: Credit reporting or other personal consumer reports

Request TransUnion credit reporting please delete items showing which is not my information.theses items disputed names doesn't match names not spell date of birth
Product: Credit reporting, credit repair services, or other personal consumer reports

We have been having a problem with the XXXX XXXX falsely reporting to the credit bureaus that we missed our first mortgage payment in XX/XX/XXXX. We wrote a check on XX/XX/XXXX and the check to them was processed by our credit union on XX/XX/XXXX, the due date. I have contacted XXXX loan office twice about this false report of delinquency only to be told they have issued a research ticket. I have also filed the dispute with Transunion   and have been attempting to dispute with XXXX, but can never get through on phone or online. The derogatory statement on our credit reports is fraudulent and needs to be removed ASAP
Product: Payday loan, title loan, personal loan, or advance loan

When my husband died, I advised ACIMA by email. I also called and sent a death certificate. I was told that the payment would be refundef once they processed the document. The next week another payment was taken. I called again and was told that it would be refunded once the department processed the document. I followed up and no response until a third payment was taken. When I called, I was told to contact my bank becuase ACIMA could not do the refund. 

The bank filed the claims and ACIMA rejected them leaving my account overdrawn.
Product: Debt collection

The company XXXX funding sued me without a subpoena or notification, now many years later they are garnishing my wages without any notification. The company also can not provide any information regarding the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report on XXXX I Identified a discrepancy with account listed under XXXX XXXX ( XXXX ) and validation was requested as this was an account I did not recognize. I reviewed my credit report again on XXXX the account continue to reflect on my credit report I have not received any correspondence from creditor to validate this as correctly belonging to me. Nor has my credit report been updated to reflect that the account is disputed and there for a second validation letter was sent out on this day. after reviewing my credit again there have been no updates, and the account is still reflecting. I do not believe the account belongs to me. nor do I believe that the creditor has authorization to access the account. nor authorization to attempt to collect on the account from all three credit bureaus. I was trying to buy a house I realized I have damages on my report according to the 15 U.S.C 1681 Law, there should not be any damages on my report. Its a defamation to my character.
Product: Debt collection

I been contacting goin on two month now from this date this company letting them know thats they are reporting a account on my credit report that I have never open or have no idea of I try everything is possible but they will not remove this account
Product: Credit reporting, credit repair services, or other personal consumer reports

- Hard Inquiry XXXX XXXX XXXX Date XX/XX/2020 - Hard Inquiry XXXX  Inquiry Date : XXXX XXXX I did not initialized /authorized these credit pull. Called Experian, Sent mails to XXXX or XXXX for verification. XXXX and XXXX told me they do not have any documentation.. or account with me, or application and told me they can not help me. Experian, and Experian ID works tells me to work it out with original creditor. I have security freeze on my account because of these fraud activity. 

I want these incorrect informations removed from my account.
Product: Consumer Loan

Lexus/Toyota mistakenly sent my account to collection for {$400.00} ( for a missing key ). I returned all keys when I turned in my vehicle to Lexus dealer at end of lease on XXXX/XXXX/XXXX. Lexus then confirmed from paperwork that was sent from Lexus dealer on the day I returned the vehicle that it shows XXXX keys were returned to Lexus dealer by me so Lexus waived {$400.00} from my account. Lexus then issued a letter on XXXX/XXXX/XXXX ( as attached ) that shows XXXX balance per my request. 
I contacted Lexus the day I received a collection letter ( please see attachment ) and asked them to remove the collection since it 's invalid debt ; I have XXXX balance per last letter that Lexus sent me, and they refused to make correction of their own mistake.
Product: Debt collection

Attached to this Complaint is a notice dated XX/XX/2021, sent to me by Coast Professional , Inc. Coast Professional failed to include proper disclosures as required by the Fair Debt Collection Practices Act ( FDCPA ). Coast Professional , Inc., did not disclose my right to dispute the debt in writing nor did they include they were debt collectors attempting to collect a debt. They failed to comply with the FDCPA 15 U.S.C. 1692e ( 11 ) and 15 U.S.C. 1692g ( a ) ( 3 ). Also attached to this complaint is a notice sent to Coast Professional , Inc. by me in attempts to resolve this matter.
Product: Debt collection

For example on the XXXX car acct. that belonged to my mother and she has passed away. Because she would give me the money and i would pay with my debit card they assume that the acct is mine.