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

Been having same issue with my macys credit card and it's been on my report, I have called macys and explained I was in military bootcamp at the time where I didn't have access to my phone or internet and I did autopay with my bank then but didn't go through for some weird reasons, I have never been late with my payment and I need this erase of my report.thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased my lease vehicle through XXXX XXXX as it was required to be handled through a XXXX dealer. There was no reason for the dealership to pull credit themselves or through XXXX XXXX XXXX Ally. The dealership had prior approval from XXXX XXXX to finance my vehicle however the dealership pulled their own credit report and sent it out to 2 other lenders. The dealership provided the attached letter however has failed to get all of these retracted.
Product: Credit reporting or other personal consumer reports

I sent a letter to XXXX, Transunion, and XXXX on XX/XX/2023 its been over 30 days. I still haven't received anything back. According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, Transunion, and XXXX have 30 days to respond to my dispute. This is a violation of my rights.
Product: Credit reporting or other personal consumer reports

I am writing to express my concerns regarding the sharing of my personal information in accordance with 15 U.S.C. 6802 ( b ), which provides consumers the right to opt-out of information sharing with third-party entities. I did not receive any documentation or notification giving me the opportunity to opt-out or to understand how my information may be shared.

Moreover, I must inform you that if any inaccurate information remains on my credit report as a result of this sharing, I reserve the right to seek monetary compensation for any damages incurred, including potential impacts on my credit score and financial consequences.

Please acknowledge receipt of this letter and provide me with the necessary documentation regarding my opt-out rights and the sharing of my information.

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with fair credit reporting act XXXX  Account XXXX XXXX XXXX n accordance what fair credit reporting act XXXX  Account XXXX XXXX XXXX n accordance with fair credit recording act XXXX  Account XXXX XXXX XXXX 15 u.s.c 1681 section 602 A States I have the rights 15 u.s.1681section 602 A Section 2 it also states a consumer reporting agency can not fumish A account without my written instructions
Product: Mortgage

I applied for a loan modification back in XX/XX/2019 due to my loan not being written correctly and the title company never paid my insurance so I had a forced insurance without notice and my payment increased .The mortgage company keeps telling me they haven't received proper documentation, when I keep resubmitting the same information by fax and email over three times.The mortgage company is delaying the loan modification process.I have proof of submitting the information requested.Please someone help me.My name is XXXX XXXX and I have Cross Country Mortgage as my servicer.I agreed to a payment of XXXX per month then my payment increased to XXXX per month due to title companies negligence.No one is trying to correct the problem and my mortgage become very unaffordable.Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

The lease payments have been made in their entirety, and my credit report shows that payments were not made from XX/XX/XXXX through XX/XX/XXXX ( see attached ). This is not correct. If you look at the attached payments made with confirmation numbers from XXXX XXXX XXXXXXXX, it shows proof that payments have been made totaling {$6700.00} during that specific period. Further, the balance on my credit report states that I owe {$3900.00}. If you look at all the payments from XX/XX/XXXX, through XX/XX/XXXX ( end of lease ), the total amount paid is {$9000.00}. Clearly, this is an accounting error on Nissan 's side that needs to be rectified.
Product: Mortgage

I have a mortgage now with Ditech and made use of the bi-weekly service. In XXXX I opted out due to being on strike in fear that I may miss a payment, proud to say I did n't miss a payment. The mortgage payment I had paid in advance I found out the Rep applied to my principal without my knowledge. They explained they would apply it to my XXXX mortgage. It still has not been done. I am very worried about this situation.
Product: Mortgage

I am incredibly frustrated with my experience with the mortgage servicer, MyServiceMac, LLC. I have attempted to make a payment multiple times, but their phone system is nothing short of a nightmare. After selecting the options for using the automated system, I found myself stuck in a loop, continuously routed back to the same choices without any way to complete my payment. Its incredibly frustrating to feel trapped in their own inept system. Even calling during office hours says I am calling outside of office hours. 

Furthermore, their online payment platform is equally disappointing. I have been shut out of my account repeatedly and can not log in, register, or take any steps necessary to make a payment. Its baffling that in this digital age, a company can not provide a simple service like this without running into issues. 

The customer service practices here are horrendous. Not only do they make it nearly impossible to manage my payments, but they also seem to be in violation of the Mortgage Assistance Relief Services ( MARS ) Rules. This makes me question the integrity of their operations. I fully intend to file complaints and report this company to the XXXX XXXX XXXX XXXX XXXX  ) for their unacceptable practices. 

I have mailed 2 payments to : ServiceMac , LLC XXXX XXXX XXXX XXXX, GA XXXX Neither have been cashed or attempted to be posted. I have also send the most recent payment to : ServiceMac , LLC Attn : XXXX XXXX Services- Service Mac XXXX XXXX XXXX XXXX XXXX GA XXXX
Product: Credit reporting or other personal consumer reports

I hope this letter reaches you promptly. I am writing to express my deep concern and frustration regarding the unresolved issue of fraudulent items on my account. 
I discovered unauthorized transactions on my account and immediately reported the fraudulent activity to your customer service department. While I appreciate the initial steps taken to address the matter, I am distressed to inform you that the fraudulent items have not been adequately removed from my account. 

Despite providing all the necessary information and documentation as requested, the issue persists, causing significant distress and inconvenience. I am increasingly alarmed by the lack of progress in resolving this matter and the potential impact on my financial well-being. 

I urgently request your immediate attention to this issue and a thorough investigation into the reasons for the delay in removing the fraudulent items. I insist on a swift resolution to rectify the unauthorized charges and restore the full amount to my account. 

Furthermore, I seek transparent communication on the steps being taken to resolve this matter, as well as concrete assurances that my account will be safeguarded against any future unauthorized access. 

This situation has caused me significant stress and frustration, and I trust that your company will take the necessary actions to rectify the issue promptly. Failing a satisfactory resolution, I may have no choice but to escalate this matter to relevant regulatory authorities. I am asking for your assistance to remove these fraud items in my credit file : XXXX KINGS XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX APT XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$5200.00} XXXX XXXX Balance : {$210.00} XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$5200.00} XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX Balance XXXX {$5200.00} XXXX XXXX Balance : {$210.00}.
Product: Checking or savings account

On XX/XX/year> I deposited a settlement check that was signed over to me from my brother. First there was a 7 day hold on the check, which was fine but then chase ended up putting a freeze on my account so therefore I couldnt access my other funds! This should be illegal!! I understand they need to verify this check but that shouldnt stop me from being able to get my other money that was already in my account!! They was able to verify my brother and see that he really gave me the check to deposit but for whatever reason they cant verify the company that the check came from. I guess the number isnt correct in the system! That is ridiculous! There has to be another way! I want my money now!! If they cant verify from the company then I guess they are going to close out the account. I even told them I could give a direct number to the company who wrote the check. The check is valid!
Product: Debt collection

I have sent XXXX certified letters to XXXX requesting validation of the debt that they claim I owe and have STILL not received a response. The XXXX letter was signed for on XXXX/XXXX/2016 with no response. The XXXX was signed for on XXXX/XXXX/2016 with no response. I have not received validation for this debt nor has the company placed a consumer dispute comment on my credit report within 30 days of receiving any of my letters. This company is in violation of the FCRA. I have attached all letters that I have sent along with the certified letter receipt ; It has been four months with no response with validation of this alleged debt.
Product: Debt collection

I was contacted via letter on XX/XX/XXXX by a XXXX XXXX representing the Coachella Valley Collection Service. He indicated that a debt was owed in the amount of {$5800.00} from the XXXX XXXX XXXX XXXX. 

He continued to send numerous collection letters. On XX/XX/XXXX he sent a letter threatening to sue.
On XX/XX/XXXX I replied to the collection agency to cease and desist collection efforts as the Statute of Limitations had long passed. They never responded nor removed the collection from the credit bureau  's.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and that no one seems to care, that I want to disputespecific records in my credit file that do not belong to me, or that I have signed anyagreement. The items I'm challenging have nothing to do with any transactions I've done orauthorized to gain products, services, or money. Please remove the following items : XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$0.00} ; XXXX Balance {$0.00} ; Bankruptcy XXXX XXXX discharged Date XXXX Reference # XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXXXXXX Balance {$0.00} ; XXXX Balance {$0.00} ; XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Bank account or service

Wells Fargo has stolen {$270.00} from my business checking account in the terms of XXXX {$35.00} overdraft fees and XXXX {$12.00} overdraft fees and {$70.00} from personal checking account ... I never signed up for OD protection. 

Due to, what I believe to be an error by Arizona they levied my account and brought it to a balance of XXXX and the XXXX number Wells fArgo provided to handle the issue never had anyone pick up leaving me to use the internal messaging system. 

They saw that I, a XXXX XXXX Veteran XXXX XXXX XXXX XXXX who is XXXX ( from Arizona of course ), was in a tough spot financially and they took advantage by not responding to my messages with anything but " copy and paste '' responses asking me to call the line that never worked. 

I demand they return the {$270.00} immediately and also return the {$120.00} fee they charged me to have money withdrawed. 

XX/XX/XXXX XXXX withdrawal caused a {$35.00} fee XX/XX/XXXX a XXXX withdrawal caused ANOTHER {$35.00} fee On XX/XX/XXXX and XX/XX/XXXX they hit me {$35.00} both dates for the same {$250.00} attempt. 

This is unacceptable and I would like this to be documented formally so I may take additional legal action XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, among others.
Product: Checking or savings account

There was a fraudulent charge on my account on XX/XX/XXXX. This fraudulent charge was reported to my bank, and a claim was started. Today, XX/XX/XXXX, I received a letter in the mail today saying my claim was denied. 

Here are the facts : I have never been to the city and state that the fraudulent charge was made in. Nobody has, or has had, access to my debit card/account information but me. 
The charge was from an ATM machine-again, nobody had, or has, my account/debit card information but me. 

I have attempted 5 times now to speak with the fraud department at my bank. I have been told 5 times now that there " is nothing that can be done '', and that the claim has been closed. There is not a merchant to contact because this was an ATM withdrawal. I was told by the bank to file a police report in the city/state that the charge was made. Nobody from the bank has told me why the claim was denied. 

Another thing to add-I am supposed to be a " preferred client '' with this bank. However, that means nothing because they clearly do not care about their customers. How much money do you need to have in the bank for them to care?? 

I need help with this matter, please.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I ordered my credit report for the first time in years in XX/XX/XXXX and discovered 8 accounts that were in question. I sent notarized and certified verification letters to the three major credit bureau XXXX XXXX, Equifax, XXXX and also directly with those creditors. I've had success and down to 3 account still ignoring me and reporting negatively with no verification. 

XXXX XXXX XXXX / XXXX XXXX has not and will not verify the account in question. This inaccurate information is reporting negatively on my credit report. 
I've been asking for verification for 6 months in certified and notarized letters. 

They replied once on XX/XX/XXXX The letter stated the account had be sold to XXXX XXXX which also included a non letterhead computer faded copy of a copy statement. 

On my credit report it's stating XXXX XXXX with remarks stating sold to another lender. I have no knowledge of this account which was opened in XXXX. Please help me.
Product: Debt collection

Aldous & Associates bought XXXX debts that were XXXX in my bankruptcy and is trying to collect them. One is for XXXX at XXXX ( XXXX XXXX XXXX part does not matter because it is one single apartment complex. ) The other one is for XXXX XXXX. They also put them on my credit report and ruined my XXXX XXXX. I have tried in the past to tell them that both debts were XXXX. I was hung up on. 

My bankruptcy was filed XX/XX/XXXX and XXXX XX/XX/XXXX. 

This is what they sent me today for one of the accounts, ( XX/XX/XXXX ) " XXXX XXXX XXXX, The credit bureaus have notified us you are claiming the listing on your report from our office is fraud. We wanted to provide you with the information we have on our side : Original Creditor : XXXX XXXX XXXXXXXX XXXX  Date you signed up with XXXXXXXX XXXX XXXX XXXX  : XX/XX/XXXX Date you went past due with XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Date the account was sent to our office : XX/XX/XXXX Balance owing : {$5900.00} ''
Product: Debt collection

I am writing to formally dispute the presence of fraudulent accounts on my credit report. I recently obtained a copy of my credit report and discovered unauthorized accounts that I believe to be the result of identity theft. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused as to why this one seems to ignore my requests. 
XXXX XXXX XXXX I understand the importance of maintaining accurate credit reports, and the presence of fraudulent accounts negatively impacts my financial standing. I am also aware of my rights under the Fair Credit Reporting Act ( FCRA ) and request that you comply with the law in conducting the investigation. 
I kindly request that you provide me with written confirmation once the investigation is complete and the fraudulent accounts have been removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand to verify or remove them immediately :  XXXX   XXXX  -  XXXX  : Unverified account  XXXX   XXXX  -  XXXX  : I have never paid late this account Beside that, my personal information is reported incorrect, please fix it My address is  XXXX   XXXX   XXXX   XXXX   XXXX    XXXX    XXXX  CA  XXXX
Product: Debt collection

XX/XX/XXXX - negotiated total out of pocket expense with medical provider prior to treatment.XX/XX/XXXX - billed {$280.00} in addition to agreed upon out of pocket expense plus insurance payment. Collection agency - H & R accounts reported unpaid debt to all three credit reporting agencies. H & R Accounts agreed to stop collection efforts based on  previously filed CFPB complaint ( XXXX ). I understand they are attempting to collect what their client claims is a legitimate debt. Because of H & R Accounts deceptive and illegal collection tactics, I would like to reopen the complaint. This is not a legitimate debt. As stated I negotiated my total out of pocket expense with the medical provider - XXXX XXXX XXXX XXXX prior to the XXXX XXXX. The hospital was also reimbursed by my private insurance company. No legitimate business would attempt to bill for services already paid for, especially when the total cost was agreed upon prior to service delivery. This fraudulent collection activity must stop. I demand that H & R Accounts cease all collection efforts and remove any references to collection attempts or unpaid debt from the three credit reporting bureaus - XXXX, XXXX and XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : This is my second time writing to you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I demand a deletion of all personally identifiable information from my consumer report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX, XXXX XXXX, MI XXXX Please delete all other addresses. I can not receive mail or any correspondence at those addresses, nor do I have access to them. Therefore, please delete these outdated addresses and update my report with the one listed above. 

My only phone number is ( XXXX ) XXXX. 
Delete any and all other phone numbers. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons.

Delete all information in the employer section.

Pursuant to the Fair Credit Reporting Act, 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer, and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed below. 

My contact information is as follows : Name : XXXX XXXX XXXX : * -- XXXX Address : XXXX XXXX XXXX, XXXX XXXX, MI XXXX
Product: Credit reporting or other personal consumer reports

How is Transunion able to verify the accounts when other consumer reporting agencies like XXXX can not? I sent Transunion a dispute some unverifiable information from my report and they are refusing to comply. This violates the Fair Credit Reporting Act as consumer reporting agencies MUST be fair and equitable. The information goes as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . These are all unverifiable and I demand that they are deleted or I will seek legal action. See attached supporting exhibits.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my complain for you to notify some information on my file that are seems to be erroneous. It is a requirement by law 605b of the FCRA to remove some inaccurate items that are fraudulent. Im sending this letter certified mail to help establish a legal recourse. If you choose to not remove the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. These are the following inaccurate items : XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX Bankruptcy XXXX XXXX ; XXXX XXXX  XXXX Balance : {$0.00}. 
XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$16000.00}.
Product: Credit card or prepaid card

****************************DO NOT CLOSE MY COMPLAINT************************* **************** & ********THIS COMPLAINT IS NOT A DUPLICATE. ********************** THIS IS AN OFFICIAL NOTICE OF DEFAULT AND OPPORTUNITY TO CURE. I have made every step and will be forced to proceed with legal action if this invoice is paid and accountt/card restored. You have engaged in fraud, and I am seeking remedy and will not stop until I receive what I am owed as a federally protected consumer. 15 USC 1692h, if a consumer disputes an account, all payments must be refunded. I was uninformed and your agreement was fraudulent at best- you have committed fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't know how to go about getting this corrected so I was told to file a complaint if things on my credit were incorrect. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, SS XXXX DOB XX/XX/1985 I found an incorrect spelling of my name XXXX XXXX XXXX is my only name please delete any other version. I was looking further into my file I found addresses that I never lived at. Please delete the following unknown addresses : XXXX XXXX  XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX