23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear Sir/Madam, I am writing to inform you that I no longer wish to dispute the accuracy of the information reported on my credit report concerning the account in collections with Berlin-Wheeler Inc- XXXX . I requested over 30 days ago in writing that you please remove the dispute comment from the comment section of this account on my credit report. 

I have resolved the issue related to this account, and I would like my credit report to reflect the current status without any reference to a dispute. Please update my credit file accordingly. I applied for credit recently and one of the reasons for denial is that to many accounts are in dispute. 

How ever you failed to notify me of my rights to dispute before you reported this debt, I had no knowledge of the account was accurate from a XXXX rep and that's ok even though i don't agree with XXXX decisions I am going to humbly refuse to pay. Just to be honest I don't have it right now I have a lot on my plate. My grandmother is in the hospital and things are going to be real tight. 

Thank you for your prompt attention to this matter. My apologies they brought you into this matter. Take care!
Product: Credit reporting or other personal consumer reports

I have several collections listed on my credit report that is showing inaccurate information. I have requested purchase agreements verifying that the debts are 100 % accurate. The credit bureaus have failed to provide the documents for the following accounts and must be removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, its more than 60days. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately : FDCPA section 807 Violation misleading false reporting XXXX XXXX XXXX  Account Number : XXXX FDCPA section 807 Violation misleading false reporting XXXX XXXX XXXX Account Number : XXXX FDCPA section 807 Violation misleading false reporting XXXX  XXXX XXXX Account Number : XXXX FDCPA section 807 Violation misleading false reporting XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I got email from Credit karma saying I was pre approved so I filled out them it said I was denied it has happened twice and it messed up my credit score!
Product: Mortgage

I do n't know how many times I am submitting complaints to this bureau about Wells Fargo regarding a property that I bought in XXXX. It has been the same thing : the round around from Wells Fargo with no resolution. I deal with a lot of companies, which care of their name and reputation. They always end up listen to me and work to resolve any problem that comes up, but with Wells Fargo my complaints fall on deaf ears. XXXX representative told me that he is well aware of my issues but stopped cold turkey to help me. Basically Wells Fargo is not accountable for their actions and it seems nobody can stop them. 
For the past couple of days attorney XXXX XXXX and a lady by the name of XXXX from XXXX XXXX called me to tell me that my property in XXXX is going to be auctioned in XXXX XXXX, XXXX in courtroom XXXX at Supreme Court in XXXX. The latter told me that Wells Fargo made my records public to auction my property because it is on foreclosure, which means I failed to pay them. They kept on asking me about XXXX XXXX, which I never met. XXXX of them gave me Wells Fargo attorney to call, which I did but nobody picked up the phone. I can not believe a bank can do that. If I have ever owe them they have to address the issue to me not take me to court like that. I definitely Wells Fargo is up to something and NOBODY is NOT HELPING.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despiteseveral written requests, in violation of federal law. I dated the previous letter I sent toExperian XX/XX/2022 but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if youdo not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX ...., XXXX XXXX XXXX XXXX ...., XXXX XXXX XXXX XXXX .... XXXX XXXX XXXX XXXX ....
Product: Credit card

In XXXX my husband went to XXXX. While there we took a taxi on XX/XX/XXXX from the XXXX XXXX to the XXXX XXXX  which should have cost somewhere around XXXX XXXX {$10.00}. The driver told us his company would only take a credit card so we agreed. He did not give us a receipt. When we got home, we discovered that we had been charged {$560.00}. We dont know if it was a decimal point error or was done deliberately. We initially reported it as fraud but we were told that since we received benefit, it wasnt fraud. We then reported it as an incorrect amount but without a receipt we were again turned down. Although the representatives agreed that it was an unreasonable amount, they couldnt help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX account XXXX, XXXX XXXX  account number XXXX has violated my rights.

15 U.S.C 1681 section 602 states I have the right to privacy 15 U.S.C.1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

please get in touch with PayPal as they are trying to collect the {$350.00} already closed in my favor. The {$350.00} resulted from an unauthorized transaction and they are taking my money {$100.00} and net the {$350.00} resulted in a negative {$240.00} on my Paypal. 

Case details Case ID : XXXX Disputed amount : {$350.00} USD Receiver info : XXXX XXXX XXXX XXXX reported : XX/XX/2023 Case status : Closed The case was closed in your favor.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX is reporting that I was late on my payment back in XXXX of 2023. It is currently being reported to XXXX, XXXX, and Transunion. However, I was never late for any payment. Incorrect data is being reported to all 3 credit bureaus.. In the past, I have talked to XXXXXXXX XXXX and it was supposed to have been fixed but still it is not fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I had a student loan debt consolidation with XXXX XXXX that included XXXX and XXXX XXXX XXXX loans. My XXXX loans were sold to XXXX XXXX XXXX in XX/XX/XXXX or XX/XX/XXXX. I disputed the fact that I had XXXX XXXX loans in forbearance which XXXX XXXX placed in forbearance as well ; yet, when XXXX XXXX sold loans to XXXX, they did not honor the forbearance and reported late delinquencies. ( See attachment XXXX Forbearance Loan Declaration.pdf for forbearance dates ). I began rebuilding my credit in XX/XX/XXXX or XX/XX/XXXXand sought the assistance of a Credit Repair Specialist. She contacted all my debtors, including my student loans. After 3 months I decided I no longer needed her assistance. In XX/XX/XXXX, XXXX XXXX XXXX reported a Charge-off on my XX/XX/XXXX pay history. I contacted Customer Advocate at XXXX on XX/XX/XXXX. About 7-10 days later I spoke with XXXX XXXX about the Charge-off. She stated that the loans are sold to XXXX XXXX XXXX and can not make any changes to the credit reporting. I disputed the inaccuracy with XXXX and they upheld the credit report and made no changes. I have attached credit reports of mu Experian and XXXX report for reference.
Product: Vehicle loan or lease

Over the past three days, I have made multiple attempts to resolve the outstanding balance on this account. However, during each call, I have been provided with conflicting and inconsistent information regarding the amount owed. The company does not post the outstanding balances on the account and instead requires account holders to call. Upon calling the representatives give different numbers each time depending on whom you talk to and provide no clear explanation of the charges. 

Below is a summary of the amounts provided : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> : Spoke to XXXX again and she again refused to assist. Said she would have her XXXX call. Refused to give XXXX contact info. 

These figures also do not match the invoices I received via email on XX/XX/year>. As you can imagine, this lack of consistency is both frustrating and concerning.

Additionally, I have requested an updated emailed invoice three times over the last three days and have yet to receive one. Each time, the representative says they invoice will be emailed within 24 hours, but I have yet to receive the requested documents. This ongoing confusion and failure to provide clear, consistent information make it incredibly difficult to resolve this matter. I believe the company is intentionally withholding information to incur additional late fees.

Given these circumstances, I am deeply concerned that this may be indicative of predatory practices, particularly targeting senior citizens like myself. The lack of transparency and conflicting numbers creates unnecessary confusion and an increasingly frustrating experience. 

I requested the following, but have not received anything. 

A clear explanation of the discrepancies in the amounts provided. 
An updated, accurate invoice emailed to me promptly. 
A single point of contact or representative to resolve this matter efficiently. 

I trust that you will address this issue with the urgency and professionalism it requires
Product: Credit card

I noticed that yet another unauthorized payment had been charged to my account. I called to have the payment canceled the representative was rude and misgendered me.
Product: Debt collection

Company : Victoria 's Secret / Comenity Bank Opened Date : XX/XX/XXXX Closed Date : XX/XX/XXXX Original Balance : XXXX Balance Reported : {$430.00} Account ending in XXXX was reported as late on XX/XX/XXXX. During the beginning of COVID19, I called the bank to let them know that " I will be behind on my payments due to the critical situation that my company was going through. The operator told me that i shouldn't worry about late fees/ late payments because the account will be " paused ''. I asked to receive confirmation via email, i never received it but i was re-assured over the phone that i would only have to pay for the original balance. 
From & XXXX it went to {$430.00}, it has been doubled up ONLY in late fees. This type of abusiveness has to stop, the city of NY was locked down and many people lost their jobs and family members during COVID19. I as an essential worker, was struggling to make it home, did not apply for unemployment, however my salary did not increase at all. 
I lost my father, grandparents and the funeral expenses are not cheap. I was harrassed by the debt collectors over the phone, never had a payment plan option to cancel the original debt. The bank sold the debt to " BUREAUS INVESTMENTS GROUPS PORTFOLIO NO XXXX LLC '' this company has violated my consumer rights by opening the debt, and reporting late payments to the credit bureaus when the debt has been charged-off /closed. This debt is XXXX years old and based on the new debt collection rules, it's time-barred. 
The Fair Debt Collection Practices Act prohibits to be threaten by debt collectors, also debt collectors need to provide all the relevant information to validate any debt/ over the phone the collection company did not provide the company 's name nor the account number nor mentioned about my rights to dispute this debt. The debt collectors did not provide transparent information/communication while trying to collect their debt. 
I have been victim of improper debt collection. Under the new shorter statute of limitatios creditors can not proceed with a debt that is time-barred, it's violating the three-year period implemented in the new Credit Fairness Act signed in XXXX.
Product: Money transfers

I added Barclay 's Bank as an external account to my XXXX Checking Account. I set-up a transfer on XXXX to be delivered on XXXX of {$1000.00} from XXXX to Barclays. On XXXX I called XXXX because I realized Barclays would reject the transfer. The person I spoke to attempted to REVERSE the transfer and somehow deleted Barclays as a transfer option on my XXXX account. On XXXX it appears the {$1000.00} transfer was rejected and returned to XXXX AS EXPECTED. However on XXXX a transfer was made of {$1000.00} - it appears XXXX was trying to pull {$1000.00} from my Barclays account. This {$1000.00} is missing. I have been working with Barclays and XXXX since XXXX and both keep pointing fingers at the other and claiming it is not THEIR problem. I went into a XXXX branch, hoping to get some help, but basically the person I spoke with called the XXXX # and after wasting a lot of time, received the same response I received from XXXX 's XXXX # - which is we do n't know what you are talking about we do n't see the transaction. I 've asked Barclays for reference numbers but they keep giving me XXXX ach tracking number - which coincides with the ACH transaction number XXXX has used to account for the REJECTION of the funds but Barclays claims that is the only tracking number they have. The ACH number Barclays refers to is supposed to be for the TRANSFER but XXXX calls it a return and Barclays says they have no record for the RETURN/REJECTION of funds - just this transfer ACH - which again XXXX calls the rejection number. However my account at Barclays is missing {$1000.00} and in almost a months time neither bank seems to care or take any responsibility for this error.
Product: Debt collection

Portfolio Recovery was discharged in my XXXX XXXX Bankruptcy on XX/XX/2018.
Product: Debt collection

They called me and the first person I spoke to threatened to kick my XXXX if she ever saw me outside when I asked her to please verify some information. I then asked to speak to a manager and they said they would handle it and forgive the debt based off what the previous lady had said to me but wouldnt give me her name or any information to follow up. Im a veteran its based from a debt XXXX years ago which I disputed because Im covered.
Product: Debt collection

XXXX XXXX XXXX has filed a law suit to collect on a debt that is not accurate. Since the date of supposed missed payment, my father, and has paid the amount XXXX different occasions and there is a chat transcript that verifies that payment was made given, and still XXXX XXXX XXXX proceeds to assert inaccurate information about debt being owed and continued harassment predatory in nature. Attempts to validate the debt has failed with the creditor as there has been more than XXXX collection companies also trying to collect on the same supposed debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on several occasions since XXXX of 2022 and filed several complaints with you to have Equifax fix their website so I can access my XXXX SCORE AND CRDIT REPORT. They have repeatedly said they fixed the problem but I still can not access my report. Again this is what the website says when I logon : " Please give us a call and give this code to the XXXX : XXXX  Your Equifax credit report and score are not available at this time due to a technical error. Please call Customer Care at XXXX ( XXXX ). 
Our call center hours are : XXXX XXXX  to XXXX XXXX XXXX XXXX  ), Monday through Friday, and XXXX XXXX  to XXXX XXXX  ( ET ) Saturday and Sunday. '' I tried calling them and you can not connect to a live person. You can not even file a dispute on the website because nothing applies to this problem to get your XXXX SCORE AND CREDIT REPORT. This repository is the worst of the worst and clearly engaged in illegal activities as it relates to consumers rights. I WANT THIS FIXED so I can log onto the website and get my XXXX SCORE AND CREDIT REPORT. I don't want the report mailed to me I WANT TO ACCESS IT ONLINE ON EQUIFAXXXXX 's WEBSITE.
Product: Debt collection

I have contacted the company regarding this false information that they have placed on my credit report. 

Commonwealth Financial Systems Inc. 
XXXX XXXX XXXX XXXX, PA, XXXX Medical collection bill {$740.00} I do not owe this debt and I believe this was place in collection in error. 

Please remove this inaccurate information from my credit report.
Product: Credit card or prepaid card

Sears Matercard Requested a credit line increase from {$2800.00} to XXXX. Received a letter dated XX/XX/2023 stating that Sears had increased the credit line to {$2800.00}. The {$2800.00} was the current credit limit and there was no increase. Called customer service and was told that credit increase request was denied. Customer Service rep could not explain. why it was denied. 
I had this card for over for 40 years, have a yearly income over XXXX XXXX, a credit score over XXXX and have paid in full every month with no late payments, Based on the above I am requesting a explanation why the credit line increase was denied,
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a XXXX XXXX XXXX XXXX at XXXX in XXXX New Jersey on XX/XX/2016. I signed a lease contract with Chrysler Capital for a thirty-nine month term. The auto lease contract was incorrectly stated on my credit report as a three month lease and the lien holder information was incorrect as well. I submitted a copy of my auto lease contract to XXXX, XXXX and XXXX ; with no resolution. 
I am attaching a copy of my auto lease that I signed with Chrysler Capital along with a copy of my credit report. The information furnished on my credit report does not match the payment terms indicated on the signed lease contract. Please remove the incorrect information on my credit report. The account is in a charge-off status due to clerical errors.
Product: Mortgage

I purchased a home in   XXXX   XXXX  . My school taxes for  XXXX  were not paid at closing but put into escrow to be paid in   XXXX   XXXX   by my mortgage company  franklin american mortgage company . However. eventhough the mortgage company had the money to pay the school taxes for  XXXX  they did not until they were reported late in   XXXX   XXXX  .  XXXX  county tax collector started sending letters to my home about unpaid  XXXX  school taxes. after numerous hours and calls to different reps at my mortgage co they assured me the taxes were paid in   XXXX    However, instead of my mortgage company sending them to  the county  they sent them to the local tax collector for my school district.  XXXX  confirmed she received the check from the mortgage company but is unable to accept back taxes and that she returned the check about  XXXX  to the mortgage company. The problem is now that i have a lein placed on my home by the county from the beginning of  XXXX  because they have never received the funds. i as the consumer have been helpless in this. no one at the mortgage company has helped nor frankly cared to expedite this knowing the urgency since my intial call in   XXXX   XXXX   XXXX  now i have a lein and derogartoty marks on my home which potentially effects my home owner standings, future loans, refis etc. This is unafir, unjust, and unwarranted. i need help legal help asap please! my voice has not been heard or validated by  franklin american  mrtg company and their incompetence has led to my terrible situation.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I already filed a complaint for fraud. We had over {$20000.00} taken from a checking account with TD Bank with no alert at all. 
Most recently we got a letter stating we were late two months and after trying to call because we are 'locked out ' to sign in online because of the fraud and the issue with the theft of the funds ... .I couldn't see what happened. I then asked to be connected to the IT dept and both depts said we needed to go to a branch. We go to a branch in XXXX XXXX XXXX NJ and both managers had to wait on hold ... .only to tell us the XXXX had been posted 'wrong ' and the XXXX payment just posted. Again all very suspicious!!! This company needs to be investigated, the service is awful but we have had issues every few months with payment postings, theft, etc. 
I had to leave the branch as we were there too long but after telling us again this was their fault they couldn't even provide proof that our credit wasn't affected that our late fee was removed and that the bill is current. They said they can not email stuff like that. 
OMG!!! I emailed their corporate office also. We can't get another mortgage to pay this off since the rates went up so we are stuck for a few years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to my Credit Union to get an auto loan. They advised they have partnerships with local car dealerships and we can go directly there and apply. When we got there we told the Salesman we wanted a loan through our Credit Union and that's why we came to them. We found the car we wanted to purchase, completed the application, and got the loan through XXXX XXXX XXXX XXXX. When I got denied for credit and pulled my credit report I found inquiries for almost a dozen other companies that were never authorized. I also have inquiries from other days that I do not recognize. I have disputed these numerous times with no results. 

Unauthorized Inquiries : XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX ( duplicate, listed twice ), XXXX ( duplicate, listed twice ), XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting 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. 

XXXX XXXX XXXX, XXXX XXXX XXXX, FAIR COLLECTIONS & OUTSOURCING XXXX XXXX XXXX XXXX XXXX  XXXX, has violated my rights. 

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 an 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.