23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided documentation to XXXX XXXX XXXX and to the three credit bureaus regarding the inaccurate information contained on my credit file. I have disputed the credit information numerous times as well as calling XXXX XXXX XXXX several times- all to no avail. Even with documentation showing the information listed on my credit report is incorrect, the information remains uncorrected. 

Again, Im disputing the following inaccurate information listed on my credit report. Below are the facts and documentation to support why my credit file should be corrected. 
XXXX XXXX XXXX I. Explanation. 
XX/XX/XXXX, I filed XXXX XXXXXXXX XXXX, case # XXXX. 
The plan was confirmed on XX/XX/XXXX. 
I completed the case on XX/XX/XXXX. 
All checks distributed by the trustee cleared the bank See Attached Documentation. 
XXXX XXXX XXXX was approved and was classified as a Secured creditor. They claimed {$22000.00}, which was allowed, and they also received XXXX in interest payments. The total amount paid to XXXX XXXX XXXX was {XXXX. See Attached Documentation. 
I completed all required payments to XXXX XXXX XXXX. 
On XX/XX/XXXX, XXXX XXXX XXXX separately mailed XXXX letters. The first letter stated that there were no liens or encumbrances on the vehicle, and I was able to obtain my car title from the XXXX  XXXX. See Attached Documentation. 
I obtained a clear title from the XXXX  XXXX on XX/XX/XXXX. Title Attached On my credit report, XXXX XXXX XXXX list that the original balance on the car was XXXX and as of XX/XX/XXXX, the company charged off {XXXX} and written off {XXXX past due. 
This information is not accurate based on the courts documentation. 
According to the XXXX XXXXXXXX Standing Trustees Final Report and Account, I paid {$22000.00} and XXXX in interest for a total of {XXXX}. See Attached Documentation As of XX/XX/XXXX, XXXX XXXXXXXX Financing now states I owe XXXX 

II. Update/correct/remove Information.

I request that the current information contained on my credit file be updated/removed/corrected based on the documentation that I have included. 
My credit record should reflect that I paid a total of {XXXX} through the XXXX XXXX XXXX  XXXX plan. 
XXXX. Copy of the Portion of my Credit Report in Question Copy of the XXXX XXXXXXXX XXXX  page from my credit report. 
The XXXX  XXXX Standing Trustees Final Report and Account ; what XXXX  XXXXXXXX XXXX claimed and was paid.
Product: Mortgage

Hello, Back in XX/XX/XXXX, my mortgage company sold my mortgage to LoanCare. On my statement back on XX/XX/XXXX from my previous mortgage company they gave me my new loan number and where to send my payments. On XX/XX/XXXX, I still haven't heard from LoanCare, I had not received a statement or any communication so through XXXX, I sent my XX/XX/XXXX payment to LoanCare with the loan number that my previous bank gave me. The payment of {$2500.00} went through and I thought I was good. Fast forward around XX/XX/XXXX I received the statement for LoanCare saying I owe for XX/XX/XXXX. I called them and they said they have no payment from me. I have sent sent my statement, transmittal, and loan number ( s ) to this company and they keep saying they need more information like my statement. I have sent it several times, but they keep " denying '' me saying they don't have the information. I have proof through my statement and transmittal that I paid my mortgage for XX/XX/XXXX. XXXX has even tried helping. They have my money but won't apply it to my mortgage. They actually said it was my fault for putting the wrong loan number on it. I need an advocate. LoanCare has been terrible to communicate with and I just want to make this right.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE XXXX XX/XX/XXXX XXXX - XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These are all inquiries that i did not authorize. My identity was stolen back in XXXX and also i was contacted saying that my information was in a data breach and every sense i have been seeing inquires that i did not authorize. I have contacted Equifax and they stated they can not remove them and that i would have to file an FTC. I would like to have these inquiries removed.
Product: Checking or savings account

Ref complaint ID XXXX XXXX Regarding 5th-3rd bank with my account, my follow up comments are enclosed. 

I read the bank 's closing comments which are false. How convenient for them to use " technology '' as their means to justify their motives to take " customer 's money ''. 

1 ) Ms XXXX 's comments that my checking account was set up for Internet banking vs paper mailing is false. I DID NOT SET THIS UP. I did not authorize this. I would never set up a paperless account. When I was already receiving statements for my savings. 
it does not make any sense to have a paperless statement for checking. All accounts should be consistent mailings. 
Also, In addition, I was not able to access the Internet account. Continuous attempts showed invalid name, invalid password. I was not able to access on-line. 

2 ) My first communication with 5th-3rd was that there was no activity, when in fact, the bank was using their process to " take fees '' out of the account. Even though, I did not initiate this activity, the bank continued to do so. These fees, initiated by 5th-3rd are activity. THIS WAS ACTIVITY. 

I WAS NOT INFORMED OF " AUTOMATIC CHANGES TO MY ACCOUNT. As the bank continued to " bleed my checking account dry '' with their fees, this is another example of " poor '' communication with their customer service. Ms XXXX 's letter does not provide accurate facts on this complaints, only to justify the bank 's purpose. 

I am not contesting the bank 's requirement for their balance on the account. 
Even though, they are excessive.. However, I should have been informed, IMMEDIATELY, on paper by mailing, that {$25.00} fees per month, were being withdrawn. 

I have contacted her office, only to be able to leave a message. She has not returned my phone calls. Therefore, I am requesting another review on this complaint. A refund of {$140.00}.
Product: Debt collection

Pursuant to complaint XXXX, Penn Credit Corporation admitted they hold no evidence to support this alleged debt that does not exist. 

As a result, they must promptly remove their unsubstantiated derogatory claim from my credit report with all three bureaus as agreed. 

As of today, XX/XX/2022, these false claims are still on my report.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SSN : XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Dispute Information Center Dear Equifax I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with 15 USC 1681i ( a ) ( 5 ) ( A ) : XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX Delete this account because you are inaccurately reporting : the date of the last activity, even This account was charged off on the following date [ XX/XX/XXXX ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the complete of your re-investigation. 

Regards, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have pulled my report and I seen several accounts that are not mine, I received a copy of my credit report and am disputing some items that need to be corrected. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be corrected are indicated below : Item # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. Reason for Correction : I was going over my credit report because I have moved back to XXXX and I just found out that someone has been using my identity. I have never done business with these companies. I was pulling my credit to look into buying a home and I seen addresses that are not mine. I am not sure if the person is using my information is still using it. This is the first time I have been aware of the whole situation. 
According to the provisions of the Fair Credit Reporting Act? 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. In the interim, these items should be noted on my credit record as in dispute. I am also requesting the names, addresses and telephone numbers of individuals you contacted so that I may follow up.

If it is determined through your investigation that the disputed items are inaccurate, please correct my file and send me notification that the information has been updated or deleted. I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of? 612 [ 15 USC? 1681j ], there should be no charge for this report. 

If you have any questions or need additional information, please contact me at address noted below. 

Thank you.
Product: Debt collection

There was a debt from the creditor XXXX XXXX XXXX in the amount of {$1700.00} listed on my credit report. I disputed this and it was removed on XX/XX/2019. This creditor was part of XXXX   XXXX. 

Since then the charges have been put back on my account in small individual charges, with another debt collector, named Medical Data Systems Inc- but this is for the same place XXXX XXXX , they changed the name and broke down the charges to make them look like seperate bills. this is completely false and needs to be removed from my credit report.
Product: Mortgage

While trying to close a refinance with a mortgage company, I was advised I could not close because there was an outstanding lien against my home that I was trying to refinance. I asked who had the lien and it was Suntrust. I advised the new refinance company that it was paid off on XXXX XXXX, XXXX and I was told I needed to get proof. I went to Suntrust and found that they still had a lien on my property and XXXX years later it still has not been removed. 

Suntrust Account XXXX : XXXX -- - What XXXX bookkeeping since the Suntrust clerk was able to pull the print screen showing the loan paid in full XXXX/XXXX/XXXX. I then had to send a letter to Suntrust requesting the lien be removed -- - I was told that could take up to XXXX days -- - this screwed up my refinance. Some one must answer for this mistake and provide proof that my residence does not have a lien against it. 

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, NC XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : -- -- -- -XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

I reported to you how Mr. Cooper was refusing to let me make payments following forbearance with my FHA loan. Thanks to you they accepted payments again. HOWEVER they reported late payments on my credit report and knocked my score way down- it was stated that choose forbearance through the pandemic it WOULD NOT BE REPORTED as late. That is exactly what they did however and now my credit, that I've worked hard to maintain, has been ruined. How is this company allowed to stay in business? I hear bad experiences from so many of their clients and they are clearly predatory!
Product: Credit reporting or other personal consumer reports

First thank you for taking the time to read this letter. Recently, I found fraudulent inquiries in my Experian Credit report. The inquiries that I have listed below are fraudulent and should be removed from my credit report. Also, I am requesting that you place an immediate block on the following fraudulent information in my credit file within 4 days of receipt of this correspondence. 
Please block this fraudulent information per sections 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. Your response to this letter is required by law. Please. Be aware this letter has been generated by me, XXXX XXXX. I have enclosed identity verification documents for you to verify my identity. 
FRAUDULENT INQUIRY! 
XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above. It reports late 90 days!!!! REMOVE NOW!!!
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I reported a scam to XXXX for a {$230.00} transaction. Within minutes of the transaction, I attempted to cancel it but XXXX wouldn't allow me. I attempted to request a refund the next day, but that didn't work either. When reporting the XXXX user as a scam, it automatically blocks the account so I can't see if it's still active on XXXX. I tried contacting customer support, but they only had a chat bot. I asked the chat bot for a phone number numerous times and was never provided with a number for a live agent. 
I then disputed the transaction where the money transmission came from - my Wells Fargo checking account. I sent Wells Fargo all of the chat transcripts, logs, and receipts, but never received confirmation that they received the information or reviewed it. Several days later, I called Wells Fargo claim support and asked numerous times if they received the email where I sent every detail about the dispute. I was told it doesn't matter because they won't honor XXXX transaction disputes. I asked to speak to a manager, but was transferred to an escalation call center where the agent repeatedly only said, " we won't honor this dispute. '' I spent a ton of time and effort doing my due diligence to have to follow up myself and simply be told no one will help me. 
I was dismissed by XXXX and I was dismissed by my bank ( Wells Fargo ) despite having FDIC insurance that is supposed to protect me from scams and fraud like this. If Wells Fargo won't even submit a chargeback for blatant scams such as this, they are encouraging the proliferation of scam artists on these apps because there's no repercussions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit report from Equifax dated XX/XX/2019. The report contained incorrect personal information and two fraudulent accounts. I opened a dispute on XX/XX/XXXX. On XX/XX/XXXX, Equifax confirmed that they had removed all of the incorrect personal information from my report. 

Then, on XX/XX/XXXX, Equifax informed me that one of the fraudulent accounts was no longer on my report and claimed the other ( an account with XXXX XXXX Delaware ) was not fraudulent. This XXXX XXXX Delaware is indeed fraudulent, though. In fact, the two other credit bureausXXXX   and XXXXhave removed this account from my reports at earlier dates. Equifax must do a better job researching and resolving disputes. Their current process is not thorough or helpful.
Product: Debt collection

I have contacted this company several times. I was advised that they will not remove this account even though I told them that this bill was paid. I also sent emails that XXXX also said this bill was paid i sent receipts they refused to remove this from my credit report. I received a email yesterday stating that they will not remove this inaccurate information from my report. This bill needs to be remove immediately. 
I am very concerned regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. A negative collection impact for Credit Control Corp, was placed within my credit le in XX/XX/2020. The Act species that you must document your reasons for including such items on my report and, when in error, remove them as well. I am depending upon Credit Control Corp : to follow the law : Contact XXXX  at once, or remove this collection account as soon as possible.
Product: Credit reporting or other personal consumer reports

I demand that all charge offs be removed from my credit report because according to 15 USC 1681 ( 2a ) ( I ) all charge offs are considered a transaction and income on all Corporation or Banking institutions Ledgers. They filed 1099c on all these charge offs and failed to report them to me according to the IRS. So, they must be removed. I also did not give permissible purpose to let ANY organization report ANYTHING on my credit. If I did, I am now revoking all authorization for doing so. I'm also demanding that all inquiries be removed because my Information has been compromised on 6 different occasions by these companies XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX and i can't remember the XXXX one but it was some medical information that got compromised.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, I understand that I have the right to dispute inaccurate information on my credit report. I believe that these inquiries do not reflect my creditworthiness accurately and have the potential to hinder my financial opportunities. 
I kindly request that an investigation be conducted regarding these inquiries and that they be removed from my credit report if found to be unauthorized or inaccurate. I have attached any relevant documentation that supports my claim, including copies of my credit report highlighting the disputed inquiries.
Product: Credit reporting or other personal consumer reports

writing to formally complain about the unauthorized accounts that appear on my credit report, which were initiated without my explicit consent. Despite my multiple attempts to resolve this matter over the past four months, starting in XXXX, I have yet to receive a response or resolution from your company. This inaction is a violation of my rights under both federal and state law. 

Legal Basis for the Complaint : XXXXXXXX XXXX XXXX XXXX XXXX : Under Pennsylvanias Unfair Trade Practices and Consumer Protection Law, any contract or financial agreement must be supported by clear evidence of debt and a copy of the contract. The accounts and inquiries listed on my credit report do not meet these requirements, as no proof of debt or contract has been provided. 

Federal Credit Reporting Act ( FCRA ) : According to the FCRA, I have the right to dispute inaccurate or unauthorized information on my credit report. I have done so, and no documentation supporting the legitimacy of these accounts and inquiries has been provided within the required time frame. Failure to provide such documentation within seven days from the submission of my dispute necessitates the immediate blocking and removal of these items from my credit report. 

Truth in Lending Act ( TILA ) : TILA mandates transparency in all credit-related transactions. The lack of response and failure to provide requested information on these unauthorized accounts and inquiries breaches this requirement. 

Police Report : As required by the aforementioned regulations, I have attached a copy of the police report I filed to substantiate the fraudulent nature of these accounts and inquiries. 

Request for Immediate Action : I urge you to take immediate action to investigate and remove all unauthorized accounts from my credit report. 
US DEPT EDXXXX U S DEPT OF ED/XXXX U S DEPT OF EDXXXX US DEPT EDXXXX US DEPT ED-XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureau do the verification of everything in my credit report on XXXX they did it and they dictated that everything was accurated. 
I did a total research In accordandance with the fair credit reporting act XXXX  account name : XXXX XXXX with account # XXXX has violated my rights. 
15 U.S.C. 1681 Section 620 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.