23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX WA XXXX XX/XX/year> {$1300.00} XXXX XXXX XXXX Account details Account number XXXX To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the account # Account XXXX. I previously sent a dispute letter requesting the removal of this charge-off based on the 1099-C form I received, which indicated that the debt was canceled.

Under the FAIR CREDIT REPORTING ACT ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off 2. The name and contact information of the person or entity that provided the verification.

3. Copies of any documents or records are used in the reinvestigation process.

FCRA611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) 5 ( A ).

Please provide me with the requested information and update my credit report accordingly. I expect a response within 30-day period allowed by the law. 

Thank you for this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I wrote a letter to a debt collection company, Mountain Run Systems dated XX/XX/2021 disputing a debt and requesting the company to cease and desist any further collection activity. Today, XX/XX/2021, my wife received a series of text messages on her cell phone from this company demanding payment of the alleged debt. This is after my written correspondence requesting them to not contact us and after receiving 3 letters in response last week to my inquiry which were dated XX/XX/2021 demanding payment.
Product: Vehicle loan or lease

I filed bankruptcy and Wells Fargo every year said we was behind on our payments and we were not. So we got tired of it and surrendered our home
Product: Debt collection

Used automated text messages to spam my phone. I did not opt-in or agree to collection text messages.
Product: Checking or savings account

On XX/XX/XXXX I called credit karma and told them there was a debit from my account I did not authorize. They mailed me a new card and cancelled my old one. When I got my new card I went to activate it and couldn't access my account because I have changed phone numbers. So I called credit karma and asked to change my number so I can get access to my account. They asked me to upload documents. I have uploaded my documents to them 10 times since. I have called customer service every day since. All I can get for an answer is wait for an email. They have no way of getting an answer from their verification services other than by email. Or I'm hung up on. I am not allowed to speak to a supervisor. So I have to wait. In the process of waiting I'm over {$300.00} in late fees on my rent. I have had my car insurance cancelled, I am about to have my power disconnected, and my phone service as well. Every day it is still the same answer they don't know I have to wait for an email. This is ridiculous quite frankly. I shld be able to access my money that I worked for.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 0 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4a section 2 ( it's also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

one BANKRUPTCY CHAPTER XXXX case number XXXX date filed XX/XX/2017, was reporting under my name, with experian credit reporting agency, i disputed and since it was not accurate information belonging to me was removed and after one week this inaccuracy was placed back under experian again. i have disputed and they are not being helpful at all, they just disputed again but i was not able to have that removed. 
i will be attaching my documents which i provided to experian and all the three bureaus. they all have removed this inaccuracy at once. please have experian also removed this inaccuracy as son as possible. i XXXX and found out that you will be able to help me in this matter. 
thank you for your cooperation
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2023, I sent written correspondence to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, MA XXXX ( address as identified on my Credit Report at that time ) disputing the debt and requesting verification of the debt. I additionally provided the company with an offer of resolution of the debt. In XX/XX/2023, I additionally submitted a dispute of the debt with XXXX. The company verified the debt with XXXX almost immediately, but the company has yet to respond to my dispute and request for verification of the debt owed or respond to my offer of resolution. I have requested all correspondence in writing and have received no correspondence from the company since my attempt to resolve this debt collection and dispute. The original creditor is attempting to collect on a charges that were created and established after the account was closed and the policy was cancelled. I am disputing the charges and dates of charges and requesting the company provide me with a detail and itemized listing of charges from the creditor and respond accordingly to my request for debt verification or delete the account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently found out that my name was attached and associated with 3 consumer reporting agencies, Early Warning, XXXX XXXX, and XXXX. I have called XXXX they have a check in the amount of XXXX that was wrote on XX/XX/2014, associated with my ID found this out while I went to XXXX to cash a check as I have been doing many years they cant verify an address on file NONE of the addresses i have given them is tied to me, I called early warnings they gave a bank account that was opened in 2014 with XXXX XXXX, I wasnt even in XXXX yet, I disputed this issue with them and they are saying its accurate and its not, I want my signature to be verified, and what ID and address was used, the same for XXXX XXXX its so frustrating all of a sudden I cant cash checks at XXXX or XXXX due to fraudulent accounts Ive never wrote a check in my life and Ive NEVER had a XXXX XXXX account. I want this removed from my name, how is it even possible I got 2 different fraudulent items in 2 different cities I can ONLY be at one place at ONE time! I just want them to detach these accounts from reporting against me because they are NOT mines and I do not write checks let alone shop at XXXX and  never have I ever been declined to cash a check until recently. I want this fixed, its a negative on me and I do not like it especially since these accounts have nothing to do with me.
Product: Mortgage

I have previously filed complaints against my mortgage company/servicer, Nationstar DBA Mr. Cooper/XXXX  XXXX. I have filed complaints which contain up to a dozen various violations and issues. Mr. Cooper associates have failed to answer even one of these issues. At this time, I will focus on one violation, which is providing a fraudulent address for the supposed owner of my mortgage. 
1 ) Nationstar Mortgage DBA Mr. Cooper has provided fraudulent and conflicting information regarding the address of the Assignee/Owner of my mortgage. When XXXX XXXX once again became the Owner/Assignee on XX/XX/XXXX, the recorded Assignment of Mortgage lists an incorrect address for XXXX XXXX. The address is recorded with the XXXX County Clerk as XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. This is NOT the address of XXXX XXXX or Nationstar/Mr. Cooper. XXXX XXXX XXXX XXXX, XXXX, Texas XXXX is the address belonging to XXXX XXXX XXXX, as confirmed by Mr. XXXX, who is the Facilities Coordinator of XXXX XXXX XXXX. I am attaching a letter from Mr. XXXX, in which he states that XXXX XXXX XXXX  is the sole tenant of the building at XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. I am also attaching a letter from Mr. XXXX in which he states that XXXX XXXX XXXX  moved into the building at XXXX XXXX XXXX XXXX, XXXX, Texas XXXX, in XXXX of XXXX. Prior to XXXX, the previous tenent of the building was XXXX. In order for XXXX XXXX/Nationstar DBA Mr. Cooper to legally foreclose, the Assignment of Mortgage which is recorded at the XXXX County Clerk, and shows XXXX XXXX as the owner of my mortgage, must list the legal and correct address for XXXX XXXX, and not that of an address belonging to another tenant of the building.
Product: Debt collection

In XXXX of XXXX I purchased two XXXX XXXX, during a promotional deal where you buy one get one free for the price of one. The price of the phone was {$590.00} USD and the condition to receive the deal was only adding an additional plan to my XXXX XXXX account. I previously had an XXXX XXXX XXXX  with a monthly bill of only {$55.00} USD. I been a loyal customer to XXXX for over 8 years, while serving the United States XXXX XXXX and upon separating from XXXX XXXX and entering the XXXX XXXX , I hadnt experienced any bad service nor had a late payment of any sort. The Sales representative in the city of XXXX, New Jersey. Assured me that I will get a bill in the next two to three months reflecting the payment due amount of the phones with the promotional credit, which should have added up to the {$590.00} USD. This was the agreed upon amount at the time. I waited and waited and didnt see a bill till four months later and when the bill was viewed and received it was in collections without my knowledge. I called the location, where I purchased the phones and no response. I called XXXX business assistance number and they assured me they will take care of it in seven business days back in XXXX of XXXX and nothing was done of it. At this time the account never reflected the amount due accurately, due to it being sent to collection but it hadnt hit my credit score at that time. I proceed to the nearest XXXX store in my area. I spoke to four XXXX representatives, who put me on the line with XXXX billing issues for XXXX XXXX account holders again. They assured me they would fix the issue and again promised for it would be fixed in 7 business days and again nothing was done of it. A week or so later I went back to the same store in XXXX XXXX XXXX, Florida. I spoke with the store manager a miss XXXX, and her team of XXXX, XXXX, which were on the line with the XXXX representative via phone again. They tried to correct issue, and nothing came out of it. I called the store a week later as a follow up as miss XXXX suggested to check back in. Do to her telling me she would escalate my issue up her chain of command. I called and she stated she would give a call back didnt get a call back. I called back and she stated she is working on it. Check again later during week. Now its XX/XX/XXXX issue wasnt resolved, and their collection agency finally attacked my credit for the full amount of both phones {$1100.00} USD.
Product: Credit reporting or other personal consumer reports

I have accounts with XXXX, and XXXX XXXXXXXX, and other accounts as well that I've never heen given credit for paying on time and paying off. My oldest account is XXXX XXXX XXXX it is child support and I've paid off almost {$30000.00}. My XXXX  account is not past due it is paid up to date. My XXXX XXXXXXXX account is paid off completely. With no late payments, I had XXXX XXXX  accounts both are paid in full. I have never been late on anything. This should give me a perfect score. My score does not reflect this or any of my efforts. XXXX was supposed to update my credit to reflect these issues but never did. Transition will not even give me mt credit score without giving them money. And will not give me a copy of my report at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are Four accounts that are closed and I would like for them to be removed off my credit report and a collections that I dont have any knowledge of is also incorrect on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

On XX/XX/2022 my employer notified me of a writ of continuing garnishment & instructions for wages to pay back a debt of {$1700.00}. Upon further investigation of my credit history and speaking to someone who helped me fix my credit, this is a debt I have NEVER been aware of, otherwise it would have been taken care of. It has not been on my credit history for the past ten years and I have no idea where they could have found this. The address the collection agency used was one I havent resided in for over ten years.
Product: Checking or savings account

On XX/XX/XXXX TD bank set up landlord tenant account for my XXXX XXXX XXXX, as required this account needed to have my name on it. I was not aware of this account as is the norm however I assumed my landlord would set up the account as was required by our lease agreement. 

On or about XX/XX/XXXX a new account appeared for me XXXX XXXX in addition to the one account I had with TD Bank. I had not seen this account before and was frankly surprised and confused by what it was. So I went to TD bank and they informed me that it was in fact my account my money. At no time did they indicate that this was in fact a landlord tenant account. On or about XX/XX/XXXX TD bank froze my account and set up a debit for over 4000 dollars. 
After I discovered this I went to the bank to find out what was going on and I was told that in fact the account that became visible available to me in XX/XX/XXXX was in fact landlord tenant account and the funds with that account I should not have been able to access at any time nor should I have been transacting any business on that account. 
So after visiting the branch in XXXX NJ I was put in contacted with XXXX XXXX from TB banks fraud unit he told me that account was frozen for unjust enrichment and acknowledged 1. My having access to the account is a td bank error and 2. That the landlord had filed an affidavit seeking the restoration of funds to the account. 
The account was Frozen from XX/XX/XXXX to XX/XX/XXXX the debit from my account caused the account to be over drawn. In addition my direct deposit could not be processed as TD bank indicated to my employer XXXX XXXX  XXXX that the account was closed. 
TD Banks behavior in this instance is outrageous. They would not provide me the affidavit they did not contact me prior to taking action and NONE of this would have occurred if TD bank had not changed made the error that created all of this. There was ZERO due process and zero communication with me. If there was I could have worked with the bank and resolved this issue without costing me overdraft fees and without messing up my direct deposit. I will pursue legal action ; that at this point is not in question.
Product: Credit card or prepaid card

I was offered a discount at Home Depot if I opened a credit card with citybank. They opened one but I  never got it. 
I went to try to pay at the store. And they said I didnt have any balance. So didnt worry. 
Now I received a piece of mail stating that I owe more than double the amount. 
So as I see now I was charged initially for a product that costed {$20.00} Yet the fees charged are {$22.00}. 

I was about to pay this but I think it is very deceptive that they are charging so high interest. I wasnt aware of that and I didnt receive the previos bill which would have reminded me I had to pay.
Product: Credit reporting or other personal consumer reports

I have diligently attempted to contact the company on no fewer than 25 occasions over recent months. Unfortunately, my efforts to cash checks are continuously thwarted due to my identification being erroneously flagged as fraudulent. My current state of homelessness presents additional challenges, notably the difficulty in maintaining a consistent mailing address to receive correspondence. The absence of live telephone support and the company 's lack of response to faxed inquiries further complicate the matter. Moreover, I have persistently reached out through numerous written communications, yet to no avail. 

Alarmingly, it has come to my attention that multiple organizations have wrongly blacklisted me within a system that advises against providing me with any form of assistance. This constitutes not only a fraudulent misrepresentation of my identity but also bears the hallmarks of inaccurate reporting and discrimination. Despite my proactive and exhaustive endeavors to rectify the situation by all available means, the company remains uncooperative in addressing and resolving these critical issues. 

I have been denied of housing, check cashing, employment, etc sue to this false reporting and no response.
Product: Credit reporting or other personal consumer reports

LVNV FUNDING LLC is a collection company that has put a negative item on my reports, I have contacted them to provide me with the original contract with my signature on it, but they have not given me anything. I demand them to take the collections report off my credit report. 

I also have unauthorized inquires on my report that's included in my attachment. the inquiries were from someone to get credit in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company did not address the issue about the addresses. Also, the credit bureau will not release my credit report to my lender. Their agent keeps hanging up on me and no one can tell me why my credit report can not be pulled by the lender. When I asked for a supervisor each time I was hung up on. I have called Equifax 8x 's in 4 different days and no one can fix the issues or tell me why the lender keeps getting error messages and fraud alerts when they try to pull my credit using the same information used to verify my identity when I called in. I was placed on hold for an hour every time I called. I really wish i could sue them for damages and the time I am wasting Trying to correct their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I received a loan from XXXX XXXX for flooring. The salesman indicated that I could take advantage of a 12 months no interest loan. Having done these types of loans in the past, I agreed to it. I knew that I would be able to pay the loan balance, which was a little over {$4000.00} before the accrued interest would kick in. I walked away believing that I had not payments due, including interest, until 12 months after the loan origination date. In XXXX I received a statement and there was language stating that if I didnt pay the entire balance by XX/XX/XXXX, that I would have to pay the accrued interest. Again I believed that I had just under 1 year to pay the loan if I didnt want to pay interest. In XXXX I received a letter telling me that I had missed a payment for XXXX. I was confused because I thought I had a year before I had to make payments. The payment due date, as I learned, was XX/XX/XXXX. Additionally, my XXXX payment was due on XX/XX/XXXX. In XXXX after receiving the delinquency letter, I contacted Synchrony Bank and explained my concerns that the program seemed confusing and misleading. On XX/XX/XXXX I made a payment to cover both the XXXX payment and the XXXX payment, which had a due date of XX/XX/XXXX. After making the XXXX payment I schedule payments to be auto-payed up through XX/XX/XXXX. During late XX/XX/XXXX, I checked my credit reports and saw that Synchrony Bank had reported that I paid on time in both XXXX and XXXX, but that I was 30 days late in XXXX. The 30 day late is not accurate. For XXXX, my payment due date was on the XXXX. My payment posted on XX/XX/XXXX for {$160.00} ... just 13 days beyond the due date. However Synchrony bank reported that I was 30 days late to the XXXX credit bureaus. I called Synchrony Bank to express my concerns and was told that I was reported late because they had generated a new statement prior to my payment posting. They explained that the 30 day late clock begins to run at the Statement generation date and does not begin with the payment due date. So if the XXXX Statement was generated on XX/XX/XXXX, and if I made my XXXX payment on XX/XX/XXXX ... the payment would be reported as 30 days late ... when it really be only 9 days past the due date of XX/XX/XXXX. I would like for Synchrony to remove the 30 day late for XXXX from my credit reports, as it is really misleading to start a past due clock based on a statement generation date and not on the payment due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my  credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX  and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. Please remove these items from my report.