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

I am writing to formally dispute multiple unauthorized inquiries that appear on my credit report. I have sent each bureau everything attached to this claim prior to escalating to this step and have received stall tactics saying my identity cant be verified, or an inaccurate item coming back as verified in less than 24 hours which shows first a real person did not investigate but instead an XXXX XXXX. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. I have identified accounts and inquiries listed on my credit report that I did not authorize or provide written consent for. This is a total breach of privacy and trust when it comes to consumer reporting. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I assert that I never provided written consent for you or these entities to obtain or furnish my credit information. As such, I request an immediate investigation into these matters. If it is determined that these accounts and inquiries were unauthorized, please remove them from my credit report without delay. 15 USC 1681a3
Product: Debt collection

Over the past several months I have been trying to get Method of Verification for Account # XXXX with XXXX XXXX through Experian. Experian keeps stating that the debt has been validated but has not provided me with any information that I have asked for such as a contract bearing my signature. The same information was requested from XXXX and XXXX and the validation could not be verified and the Account was removed from my credit profile with both Bureaus. The dates for the requested information are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The only information that I received back is that the account has been updated, remains, or verified as accurate. As a consumer, I feel my rights have been disregarded and I also feel devalued. To me this matter is not being taken seriously. If the debt in fact valid I should have received the method of verification used to verify that this debt belongs to me.
Product: Credit card

Like all credit cards I assumed after 30 days you are charged interest. Apparently this company charges interest daily. So almost 30 % every day. I have never Hurd of such a thing canceled my card immediately had it maybe a week. I don't remember the amount that I put on it but it was well bellow 1,000 and now it's well above. As soon as I Hurd of that I canceled it immediately. I also believe it is morally wrongXXXX XXXX XXXX XXXX out of XXXXXXXX XXXX. Is a company I've told everyone about as well as the interest fee. Nobody I have talked to never Hurd of such a thing.
Product: Vehicle loan or lease

I leased a XXXX Tesla Model Y from Tesla Motors , Inc. on XX/XX/XXXX with a monthly payment amount of {$660.00}, for a 36-month lease term, scheduled to end on XX/XX/XXXX. 

Through the online account management tool at www.tesla.com, I initiated an early-termination of my lease, which needed to be turned in by XX/XX/XXXX. 

I returned the vehicle to the Tesla dealership located at XXXX XXXX XXXX, XXXX CA at approximately XXXX on XX/XX/XXXX, where I signed documentation releasing interest in the car. 

On XX/XX/XXXX, my monthly automatic payment came out of my bank account. I attempted to resolve the issue with Tesla with no resolution. On XX/XX/XXXX, another monthly payment was drawn from my bank account. Neither of these payments should have bene processed as I released interest in the vehicle, per the terms of the Tesla early termination lease agreement, on XX/XX/XXXX. 

Tesla has not contacted me regarding the termination at all. I have now been faced with financial hardship with these two additional payments being taken from my bank account without my authorization, as those funds are needed to make my new car payment.

Through the Tesla app, I can see that the vehicle is parted at XXXX XXXX XXXX, XXXX, which appears to be a car lot storage.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  Experian Dispute # XXXX I HAVE ALREADY DISPUTED THIS ACCOUNT WITH EXPERIAN XXXX THIS IS A RE-INVESTIGATION. YOU HAVE 7 BUSINESS TO REMOVE THIS ACCOUNT. YOU MUST CEASE AND DESIST ALL REPORTING, IMMEDIATELY! 

Experian is assisting companies with breaking consumer laws, by allowing them to make false, inaccurate credit reports. XXXX  did NOT provide ANY documented proof that I requested or agreed to obtain a loan. More and more, Experian is apparently going on these companies ' word, instead of documented PROOF of applications, loan agreements & purchase agreements. 

Because the requested documents DO NOT exist, I order you to CEASE AND DESIST reporting to my credit reports, starting TODAY, XXXX XXXX XXXX Any further reporting is classified as harassment, breaking Federal and state & laws, as well as violating my consumer rights. 

In my Experian Credit dispute report # XXXX XXXX  FAILED to provide the following requested documents, because They DO NOT EXIST : XXXX. The dated and signed loan application with my wet signature. 

XXXX. The dated and signed loan agreement with my wet signature. 

XXXX. The original purchase agreement that shows I am the legal owner of this alleged debt to include all terms and conditions that are included in this purchase agreement. 

Since you did NOT provide ANY of these documents, I requested that you remove this acct from my Experian credit report. Since you refused to remove this account, NOW I AM ORDERING YOU TO CEASE & DESIST ALL REPORTING TO MY CREDIT REPORTS IMMEDIATELY & PERMANENTLY.
Product: Mortgage

My concern is terminating XXXX  from my mortgage. I am over two years into my mortgage with 13 % off original price of the home paid. I paid 10 % down. Can I have my home reappraised and use it's current value as a way of having the 22 % required to terminate XXXX?
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XXXX XXXX saw some hard inquiries thats did not have permissible purpose.i also attached evidence XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This inquiry has no permissible purpose to be on My report.delete inquiry due to violation of 15 usc 1681b
Product: Credit reporting or other personal consumer reports

XXXX sent an email to me, saying that they noticed, that all my bills are paid on time ; yet they continue to keep my credit score low, so they can offer High Interest Rate Credit Cards!!!!!

This is wrong, and I'm experiencing this problem on all XXXX credit reporting agencies.
Product: Debt collection

Capital one ) this account was paid in full XX/XX/year>. this account is not accurately reporting as paid on my credit bureaus.The amount paid was XXXX. Also the last 4 numbers of the account doesnt match the original creditors.
Product: Mortgage

SPS I received help through a federal government program that would of paid my mortgage for up to a year to get me caught up. Instead, as soon as SPS received the money, they raised my mortgage. Then they kept demanding that I go back to the government agency that helped to get more help. 

I recently sent my check stubs and XXXX to SPS, and they keep asking for verification. A rep told me today that it means I am filing my XXXX taxes. SPS is stalling because they are transferring my mortgage. They are not clearly stating why they are rejecting my check stubs and employment letter. SPS is stating that my employer is not taking federal taxes out of my check, and my check stub clearly states that. 

I want them invested for mortgage fraud and discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed a conventional refinance with XXXX XXXX near the beginning of the XXXX. I made a couple payments on time with them. In XXXX of XXXX, they sold the loan to XXXX Mortgage. XXXX sent me a letter with instructions for paying the loan. I immediately logged in to my online banking and edited the monthly auto-pay that had been going to XXXX Mortgage and XXXX the payment info on the introductory letter. It contained an address in Texas. My bank had already sent the check to XXXX for the XX/XX/XXXX payment when I logged in to change the address and payee. In XXXX I received a notice that my payment had not been received and that it needed resolved. I immediately responded to the agent on the phone and paid the past due amount even though my check had been sent to XXXX  back on XX/XX/XXXX. I asked what the correct address should be, and the agent told me that it should go to an address in Georgia!! I entered this new address into the bank and the rest of the payments have gone on without a hitch. Also, while trying to login, I discovered that XXXX had an old system and a new system. Apparently, this was not just web logins, but also phone numbers and physical mailing addresses. The confusion surrounding which system my loan was hosted in and which address should be correct is the reason that there was any delay in receipt of funds. In spite of this confusion, I have uploaded proof that payments were made in a timely manner. HPT is not being honest or fair with their representation of the my credit activity. Their chaos should not reflect poorly on my credit.
Product: Credit reporting or other personal consumer reports

Has to do with a " Hard Inquiries ''. 

I asked TransUnion which company requested the Inquiry and requested to have the false information removed. TransUnion said they don't who requested the inquiry, and requested I tell them who. I don't know, probably identity theft, they should know if they put it on my report. 

They said they won't remove the entry on my credit report until they can verify the entry is invalid. They admit they can't verify, but still won't remove the inaccurate entry. ( I have chat transcripts for evidence of their claim ) So they are refusing to remove a bad entry, that they can not show proof that it is inaccurate. They said even though they can not verify the entry they will not remove it. 

How can I force them to correct my credit report? 

Thanks XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Companies : XXXX, XXXX, and Experian credit bureau. 

I have pulled my credit with all three bureaus and sent each a letter disputing inaccurate information. It has been over XXXX days since each bureau was sent a letter of dispute and no actions have been taken. 

XXXX ; XXXX  XXXX ; XXXX XXXX XXXX  ; XXXX  ; XXXX all should not be on my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX and XXXX, XXXX, I tried withdrawing my remaining funds after Robinhood sold all my assets without my authorization and restricted my account. I have a reason I believe why and both called and emailed them multiple times with this information including my bank account statements to verify my account but they never did anything with this information why? Everything they need I provided to them and they choose to ignore me after sending me the same emails requesting for the same information?

Reason why I believe my account was restricted : Account is under my fathers name/documents. I put my bank account information in there to manage his account and after some time I mistakenly submitted my own ID to get access to a trading option. Shortly after this my account got restricted ( fair enough ). I managed to withdraw little less than half my funds AFTER they sold my assets ON A LOSS and then they didnt give me access to the remaining ones. I am frustrated by how they are handling this because of all the proof and information I provided. with some research it looks like Im not the only one with this problem.
Product: Mortgage

I received a modification from XXXX who sold the loan to Select Portfolio Servicing Inc. on XX/XX/XXXX with last effective on XX/XX/XXXX rate 3.62 % payment amount {$1300.00} of however the services has which term payment amount to {$1400.00} effective XX/XX/XXXX wi4h a letter threating foreclosure on a debt that has been and discharge by bankruptcy and will not permanently modify the loan and continue to have the loan in an negative amortization attached as condition and after discharge it has not been modified prior to select portfolio services the loan and will not provide proof of modification contract, term and condition has changed with out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not issued a 1099C " cancellation of debt '' tax form for account # XXXX Since the alleged debt has been written off and therefore considered as income for the issuing company. I have not received a 1099C tax form. Since the debt is considered income for tax purposes on the companies end, the debt can not be listed on my consumer report according to the FCRA. I have sent two request via certified mail tracking numbers XXXX and XXXX requesting a 1099c but have not received any response to either.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

My mortgage was sold to Carrington Mortgage Services ( CMS XXXX by XXXX Mortgage XX/XX/XXXX. Erroneously, On XXXX XXXX, XXXX, XXXX Mortgage issue a premium payment in the amount of {$720.00} to XXXX ( now XXXX XXXX for the policy period of XXXX XXXX, XXXX to XXXX XXXX, XXXX. Subsequently, on XXXX XXXX, XXXX, XXXX Mortgage inadvertently issued a premium payment in the amount of {$730.00} to XXXX for the aforementioned policy period. 
As a result of the above information a refund in the amount of {$730.00} was issued to me in error. Once, I discovered the money was sent to me in error, I started out with a payment of {$800.00} of which {$530.00} was designated towards escrow. The remaining balance of around {$260.00} was designated for the regular monthly payment. However, this amount never allocated properly. Long story short it took Carrington ( CMS ) an unacceptable amount of time for them to recognize I had paid the {$730.00} back in full and other erroneous issues from Carrington ( CSM ) started occuring. For example, I started receiving notices from them stating I did not pay my mortgage payments. I had to send them proof from my bank, which sends Carrington ( CMS ) the money electronically each month. In the mean time I notice my bill had increased. Additionally, during these processes Carrington ( CMS ) stop sending me monthly mortgage statements. They said they sent them to the attorney. Even after receiving notice from the attorney to send all correspondence to me, I have still yet to receive my monthly mortgage statements from Carrington ( CMS ) at my home address, which is XXXX. XXXX XXXX XXXX, XXXX, Ohio XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX. XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] [ XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] [ all three credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : XXXX Account DATE : [ ] XX/XX/XXXX Reason : [ NEED IT REMOVED ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

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

I am writing to dispute the validity of a collection account listed on my credit report. Pursuant to the provisions of the Privacy Act, specifically 15 USC 1681, I am formally requesting that you investigate and verify the accuracy of the information you are reporting to the credit bureaus. 

Creditor Name : XXXX  XXXX XXXX Account Number : XXXX Creditor Name : XXXX XXXX XXXX Account Number : XXXX Creditor Name : XXXXXXXX XXXX  Account Number : XXXX Creditor Name : XXXX XXXX  Account Number : XXXX Creditor Name : XXXX XXXX  Account Number : XXXX I am invoking my rights under 15 USC 1681, which states that individuals have the right to dispute information that they believe is inaccurate, incomplete, or misleading. I am requesting that you provide evidence to support the validity of this debt, including but not limited to : Documentation showing the original agreement between myself and the creditor. 
Proof of the amount owed, including a detailed breakdown of any fees or charges.

Verification of the date of first delinquency.
Product: Debt collection

On XX/XX/24, I contacted National Credit Systems via phone to resolve my debt. I was emailed my account information to be able to do it from their site. 
My account number given to me was XXXX. 

I proceeded to use my XXXX checking account to pay for the debt with an added convenience fee charge making the total payment {$100.00}. 

I paid it via ACH and again using my XXXX  accounting debit card as I was trying to quickly resolve the debt to be approved for a new apartment. 
Several communications took place between XXXX XXXX and I and also my new rental property manager spoke with her a few times. 

I was given a receipt both times confirming the payments. 
I have yet to receive a letter of satisfaction even though I proved the payments had been settled on my chime account. 

They failed to correct my credit report so I disputed it with the credit bureaus via credit karma. XXXX and XXXX deleted the debt from my report but XXXX still hasnt. 
I submitted a new dispute in XXXX of this year and I was given a letter stating they would not be removing the debt and it is still valid despite my multiple supporting documents. 
I have since filed another dispute and waiting to hear back. 
In XXXX I also directly contacted XXXX XXXX and copied XXXX since it hasnt been resolved.

I have been disputing this account for years.

And they continue to report a collections debt of {$98.00}.

Im frustrated at the whole ordeal and wish to have it resolved immediately and possibly seek legal action against them for their violations against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$420.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I had student loans services by XXXX, the federal student loan servicer. I paid these off in full on or about XX/XX/2023. 

I waited XXXX  months for my credit report to get updated to reflect that I paid these loans in full, but it never happened, so I contacted XXXX, and after they didn't respond I contacted TransUnion in order to have my credit report updated to reflect that this debt had been paid in full. 

After I submitted my dispute to TransUnion my credit report with them was updated. All of the accounts were marked as " Paid, Closed; was Paid as agreed ''. However, a mistake was made and one account also had the remark " SETTLED-LESS THAN FULL BLNC ; CLOSED '' added to it. This is incorrect, I paid this account in the full amount and did not settle it.

I disputed this account twice, and called TransUnion and nothing was done to fix this. My credit score dropped by close to XXXX points because of this inaccurate remark. All other credit agencies have this account marked as paid in full except TransUnion, and the student loan servicer does not dispute that it was paid in full and was not settled. 

I need this remark removed from this account. I've never settled any account for less than the full amount I owed.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. XXXX XXXX XXXX XXXX Balance Owed : {$60.00} ; XXXX XXXX XXXX  Balance Owed : {$550.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting inaccurate accounts on my credit report. XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX