23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing this report to dispute a fraudulent account opened under my name on XX/XX/XXXX. This has been an ongoing battle with the company, XXXX XXXX XXXX, who sent the last bill to my current address. There was an account number XXXX for Comenity BankXXXX XXXX. The XXXX XXXX XXXX is number for the account is XXXX. The balance was written off as {$910.00} as of XX/XX/XXXX. I disputed this in XXXX. I received a letter on XX/XX/XXXX stating that it was not seen as fraudulent. So, I have attached a fraud affidavit & this account does not belong to me and it is fraudulent. I am basing this claim on a report I received from XXXX on XXXX ( report # XXXX ). According to my most recent XXXX credit report ( report # XXXX ), the Comenity account number is XXXX. This Comenity Bank/XXXX account was opened fraudulently on XX/XX/XXXX. It was charged off on XX/XX/XXXX and sold to the company. I have not once agreed to the account or proven its validity. This account is fraudulent. Whoever opened this account was up to date on payments. This could have been a positive effect on my credit history. I do not know who opened the account, but it was not me. Find police report # XXXX attached. I also have a fraud affidavit attached.
Product: Credit reporting or other personal consumer reports

I have been contacting XXXX, TransUnion, and XXXX since XXXX XXXX about the incorrect items on my credit report. I am writing to formally lodge a complaint and request an investigation into the actions of XXXX XXXX, XXXX, pertaining to my credit report. I have recently discovered several discrepancies that I believe to be in violation of consumer protection laws and credit reporting regulations. 

Account Information : Creditor : XXXX XXXX, XXXX Account Open Date : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ) Date of Last Activity : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ) Date Reported : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ) The following issues indicate non-compliance with relevant consumer protection laws and credit reporting guidelines : Last Verified Date Discrepancy : The last verified date on my credit report is stated as XX/XX/XXXX for TransUnion, whereas XXXX shows a last verified date of XX/XX/XXXX. This disparity raises concerns about the accuracy and consistency of the information reported by XXXX XXXX, as it suggests that the information has not been consistently and uniformly updated across all credit bureaus, as it should be. This may violate the Fair Credit Reporting Act ( FCRA ), which mandates the accuracy, fairness, and consistency of consumer credit reports. 

Date of Last Activity Discrepancy : The date of last activity is significantly different between TransUnion and XXXX. This inconsistency is also a red flag, as it implies that the account may not have been properly managed and reported. Such discrepancies may potentially infringe upon the FCRA, which requires creditors to report the most accurate and up-to-date information on consumer credit reports. 

Date Open Discrepancy : The account open date discrepancy between TransUnion and XXXX further suggests inaccuracies and inconsistencies in XXXX XXXX 's reporting. This misalignment may hinder a complete and accurate understanding of the account 's history, which is contrary to the FCRA 's stipulations for the fair and accurate reporting of consumer credit information. 

I kindly request that the Consumer Financial Protection Bureau investigate these discrepancies and potential violations of the Fair Credit Reporting Act. Furthermore, I would appreciate your assistance in addressing and rectifying these issues with XXXX XXXX, XXXX, to ensure that my credit report accurately reflects my financial history in accordance with the law. 

Please find enclosed copies of my credit reports from both TransUnion and XXXX, highlighting the discrepancies for your reference. 

Thank you for your prompt attention to this matter. I look forward to your response and any guidance on how to proceed in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent correspondence highlighting the below misleading and inaccurate information. As of today over 60 days later and still no response. After finding out that my information was impacted by the Equifax data breach I feel more than ever my information was compromised. I also learned according to FDCPA Section 807 it is illegal to report inaccurate information. I feel like I'm on a hamster wheel going in circles with this issue
Product: Mortgage

I believe I am due more for what I have been through. I have tons of papers. It shows on my older credit reports that they now have removed. I lost everything! It started with XXXX, who sold to XXXX, who sold to XXXX, who sold to XXXX, who sold to XXXX XXXX, who sold to JPMorgan. There may be more in there somewhere. 
XXXX was the one who started the trouble. They paid my homeowners insurance out of my escrow. Then sent me a letter saying I did n't have homowners insurance and so they were insuring it for a great sum, and that it put me 3 months behind on my mortgage. Then the phone calls, at my work, my home every 2 minutes. 
I had the paper showing that 'they ' paid my insurance out of my escrow. I faxed it to them. I called to be sure they received the fax. Nope. They gave me a new fax number. I called to be sure 'they ' received the fax. Nope. And on it goes. Then the letter that I owed their lawyers {$4000.00} approx. which put me even further behind on my mortgage. 
Then another game : Modification. 'They ' modified the smaller loan and said the other would follow suit. Nope. 
Then the foreclosure papers. On and on and on .... I would like {$200000.00} for all I lost, emotional distress, health issues now, and this is the amount it would take to make me whole.
Product: Mortgage

I have lost out on a promised rate. We feel we were offered a rate which was not legitimate which caused us to choose Amerisave over two other companies because of there insistence it was a legitimate rate. When push came to shove and I made our rep say it was legitimate out loud, on an e-mail, we were immediately ghosted. 3 month went by without any progress and only contact when we pushed hard. Now, 1 month after we cut ties with them, they are doing hard pulls on our credit. 

These people cost us at least 3000.00 a year for 15 years by trying to scam us into doing business. And the appraisal fee. 

I intend to take any and all steps to stop this from happening to other people.
Product: Credit card

Chime opened a secured credit card ( which they call " credit builder '' ) in my name without my consent. I only intended to open a checking account with Chime, but it's possible Chime will claim I inadvertently left a checkbox checked on the checking account application, or perhaps touched the wrong button on their app. In any case I never wanted the secured credit card and never knowingly applied for it. I consider the secured credit card to be fraudulent. This card has appeared on my credit report and caused me significant damage. When I disputed the account with XXXX, Chime refused to remove it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Customer Data Security Breach Litigation U.S. District Court for the Northern District of Georgia ( Case No. XXXX ) The information listed below is a result of identity theft and is fraudulent. I have never authorized, or opened the accounts listed. This information is frivolous. I request an investigation into fraudulent activities related with my SSN and personal information. Pursuant to the provisions of the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611 ) ; Formal Request for Information : I am formally requesting the names and business addresses of each individual or entity you communicated with for verification purposes in relation to the fraudulent transactions identified in my credit report. This request aligns with my right to follow up on the information provided and to assist in this identity theft investigation. Attached is a copy of my government-issued identification and a copy of the identity theft report. I am requesting these fraudulent items removed immediately from my credit files. 
Fraudulent Account/ Transaction/ XXXX XXXX XXXX XXXX # XXXX ; Balance : {$9600.00} ; Opened : XX/XX/2021 It is unacceptable, and a violation of federal consumer protection laws, that I continue to face harassment and fictitious debts due to the unauthorized account and unauthorized inquiries. Your agency failure to delete these fraudulent entries will be direct violation of my rights under FCRA Section 605B ( 15 USC 1681c-2 ) ( a ). The FCRA requires immediate removal of fraudulent information from credit reports following a valid identity theft report, which I have provided. Such inaction is further aggravating the distress caused by this identity theft. There has been no legal proof of the marks has been provided or proven. I have reported the theft of my identity to the Federal Trade Commission ( FTC ) and have enclosed copies of the supporting documents, including the FTC Identity Theft Affidavit. This unauthorized reporting has negatively impacted my credit standing. I respectfully request that the FTC, FDIC, & CFPB investigate this matter and take appropriate action to ensure that the erroneous and derogatory information is removed from my credit report. I am also pursuing complaints at federal levels to address these violations because my consumer rights have been violated and belittled.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on XXXX XXXXXXXX, and ARS Report and Request for Detailed Description of Verification Methods To Whom It May Concern, Details of Complaint : I am writing to formally dispute inaccurate information on my XXXX XXXX, and ARS consumer report. Upon reviewing my report, I identified several discrepancies that need correction for a fair assessment of my creditworthiness. Accurate reporting is essential, and I believe the current inaccuracies may adversely affect my financial opportunities.

Despite previous attempts to rectify these issues through the standard dispute process, the items in question were not properly verified. Therefore, I am now requesting a Detailed Description of the Verification Methods used during the investigation of my dispute.

Specifically, I request the following details regarding your investigation : 6. Methods Used : Please describe the specific methods and procedures used to verify the disputed information. 
7. Sources Consulted : Provide a list of all sources, including creditors or data furnishers, consulted during the investigation.

8. Documentation Reviewed : Detail any documentation or evidence reviewed to support the verification of the disputed information.

9. Verification Process : Explain how the accuracy of the information was verified and the criteria used for validation.

10. Timeline of Investigation : Outline the timeline of the investigation, including key dates and actions taken. 
Violations of Law : I believe the verification process by XXXX may violate my rights under the following laws : 6. 15 U.S.C. 1681e ( b ) : Compliance procedures to ensure maximum possible accuracy of consumer reports. 
7. 15 U.S.C. 1681i : Procedure in case of disputed accuracy.

8. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : Responsibility of furnishers of information to provide accurate information.

9. 12 CFR 1022.42 : General requirements for reasonable investigation of disputes.

10. 15 U.S.C. 1681c ( a ) ( 5 ) : Prohibition of adverse information older than seven years.

I request the Consumer Financial Protection Bureau ( CFPB ) facilitate a thorough reinvestigation of the disputed information in my XXXX XXXXXXXX, and ARS report. Specifically, I ask that : XXXX. XXXX, XXXX, and ARS provides a detailed description of their reinvestigation process and how they verified the disputed information. 
XXXX. XXXX, XXXX, and ARS corrects the inaccuracies in my report as identified. 
Enclosed are copies of my XXXX, XXXX, and ARS report highlighting the disputed items and any supporting documentation ( e.g., payment records, correspondence ) that proves my claim. Please review this information and correct the inaccuracies promptly. Under the FCRA, you are required to investigate my dispute within 30 days.
Product: Vehicle loan or lease

I am in total disagreement with my final bill of {$1700.00} calculated by VW credit bank regarding my XXXX XXXX XXXX First, all 36 payments stipulated in the contract were made including XXXX, XXXX and XX/XX/XXXX which are now billed as deferred payments. 
I returned the car one month before scheduled XX/XX/XXXX and I leased a new XXXX XXXX on XX/XX/XXXX. 
I was even told on the phone that I had a credit for {$580.00} that it will be sent in a bank check by mail. In a XXXX telephone call a customer representative revised and change return date from end of XXXX to end of XXXX, Based on this information I went ahead with a new lease signed on XX/XX/XXXX. No remainder payment was due on that date. 
Today XX/XX/XXXX a final bill indicates 3 deferred payments already been paid in XXXX and XXXX ( made together on XX/XX/XXXX ) and XXXX ( made on XX/XX/XXXX ). 
Finally, I am also aware that I was charged on XX/XX/XXXX {$350.00} ( fees? ) I would appreciate a revision and explanation of final payment. 
Thank you
Product: Debt collection

Resurgent Capital Services XXXX XXXX XXXX, MI XXXX This company put a collection on my credit report without informing me that they had a collection against me. This company claims, incorrectly and fraudulently, that I owe for two accounts that I have never heard of before. 

Original Creditor : XXXX XXXX XXXX Current Owner : XXXX XXXX XXXX Reference ID : XXXX Balance : {$550.00} Original Creditor : XXXX XXXX  Current Owner : XXXX XXXX XXXX Reference ID : XXXX Balance : {$810.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 6 accounts showing on my credit report that do not belong to me in any way shape or form I need these accounts off my credit since I have not approved, opened or used these accounts!!!! 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Student loan

The 3rd party billing provider on my student loan offers one method of payment to avoid fees/ penalties/ convenience charges- and that is a direct checking account debit. Over the last 2.5years I have tried several times to set-up direct payments but each time there is an " error '' with my information and the payment declines. This has led to negative information reported on my credit record, XXXX dollars in added fees and interest charges, and hours of frustrating phone conversations. I have recently discovered that the problem is the company 's online payment system. The system has only been using XXXX digit entries for routing number and account number. Unfortunately, my checking account number is eleven digits long. The system has only been using the first XXXX digits of my XXXX digit account number that is entered- which in turn has caused the error- resulting in the above mentioned grievances. The company has made no attempt to rectify the situation. I can only wonder how many others have been unfairly charged fees, penalties, added interest, and have had negative credit information reported, all because of a system issue on their end.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my reports there are two closed accounts with huge amount of missed payments. SYNCB/CAR CARE TIRED ( opened XX/XX/2019 ) and SYNCB/CAR CARE TIRED ( opened XX/XX/2019 ) these are not my accounts. 
Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA SYNCB/CAR CARE TIRED has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Checking or savings account

I lost my wallet and couple days later had fraud in my checking account with depositing and withdrawing checks and cash through multiple atms and I Add claims and the back office refuses to call back and this has been going on for 2 months now and they keep denying claims and sill have the wro ng Info.  I faxed a police report and have a detective which has received the film from the bank so I do n't understand why this  XXXX  is still not solved. Bank of America is the worst bank Ive seen
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. It is also a violation of the FCRA laws dealing with 15USC due to these inquiries are not attached to any open accounts or no proof of accounts for these inquiries. 
The following inquiries are unauthorized : XXXX XXXX XXXX  ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. 
Code 1681b in general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In 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 or incomplete or can not be verified, the consumer reporting agency must- Delete it from my credit report.

I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time.

I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

At the beginning of 2020, when XXXX was making headlines on the weekly news, I was released from my job. This event took a huge toll on my financial well being as a XXXX XXXX  who was supporting myself independently from my family. I was forced to live on my emergency savings and credit card before I get help from the unemployment insurance. 

At the time, I only had one credit card open and it was the college XXXX credit card from Wells Fargo. I'm not sure if this program still exist at Wells Fargo as of now, since they had a complete revamp for their credit card program but that was what I had back in XXXX. I was struggling to make the minimum payments on my credit card while trying to put food on the table for myself. I tried to explain my situation to Wells Fargo but I was met with unreasonable deadlines. This situation continued until I was approve for unemployment aid. 

After I was approved for unemployment insurance, I lived frugally and saved up slowly because I wanted to pay off my debt. It took me a couple transactions but I was able to pay off the balance on my credit card. The total balance on my credit card was around {$1500.00} to {$2000.00} and it took me around 2 to 3 attempts. I will attach a screenshot in the attachment of one of the payments I have made to Wells Fargo. 

I paid off all of the remaining balance on my credit card by XXXX, 2020 and Wells Fargo closed my account. However, my credit history remains negatively impacted by Wells Fargo 's report to this day. Despite the fact that I manage to pay off my debt during one of the most unprecedented times in the XXXX, Wells Fargo 's reporting has placed a huge dent to my reputation and credibility to borrow. My credit score would barely make any upward movements even though I pay my bills on time. Banks are also less willing to offer me any credit of over {$500.00}, which puts a huge limitations as to what I can spend on. 

It is frustrating to me that this still have a huge impact to my credit. As a recent college graduate, this limitations have restricted me from getting fair rates for borrowing. My auto loans and mortgages are heavily impacted because of this. This frustrates me so much that I have made multiple phone calls to their credit card department and paid multiple visits in person to my local Wells Fargo banks and every single time it was left to no avail. I was met with employees who fails to answer my questions and prejudicial remarks because of my old credit history with them. 

I have done my utmost due diligence for my credit and this is my last resort. I hope this can connect me with a competent representative from Wells Fargo, who can provide me reasonable solutions and address my frustrations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Whom it XXXX concern, This is a formal letter to dispute and ask for removal of this account off all of my Credit Report. The Account is listed as XXXX COLLECTION BUREAU OF XXXX. It 's a medical debt claiming I owe {$460.00} but they refused to provided documentation to me. I filed a complaint against them back in XXXX of XXXX they failed to respond to my complaint. I 'm tired of them reporting false information. I want this account removed off all my credit reports right away. 

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

Ed Financial Services are my new Student Loan Servicer. As part of the Fresh Start Program, my Loans are suppose to be in good standing and reporting positively with No Late Payments. The update was to come 90 days after I signed up and has not been done. I have contacted the company numerous times as it shows in their records to get the turn around time and consequently to make sure the request has been done. Was told ny XXXX XXXX on XX/XX/23 that it has not and can't be expedited.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian 's website security is horrible. No XXXX factor verification, and my account was hacked/accessed without my permission. Information was changed. I asked to reset my login and password and discovered that my email and security questions were changed along with other information. 

At this point there was a ticket to escalate, but I'm seeing that others have had this same issue XXXX XXXX XXXX XXXX