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

I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my credit score : 1. Account Name : XXXX XXXX  Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report, and it only shows up on my TransUnion account. Please provide evidence of the charge-off and update the balance to {$0.00} or remove the negative payment status for this account. 

2.Account Name : XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report, and it only shows up on my TransUnion account. Please provide evidence of the charge-off and update the balance to {$0.00} or remove the negative payment status for this account. 

XXXX. Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report, and it only shows up on my XXXX account. Please provide evidence of the charge-off and update the balance to {$0.00} or remove the negative payment status for this account. 

4.Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report, and it only shows up on my XXXX account. Please provide evidence of the charge-off and update the balance to {$0.00} or remove the negative payment status for this account. 

5.Account Name : XXXX - XXXX Account XXXX : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report, and it only shows up on my XXXX account. Please provide evidence of the charge-off and update the balance to {$0.00} or remove the negative payment status for this account. 

6.Account Name : XXXX XXXX A Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report, and it only shows up on my XXXX account. Please provide evidence of the charge-off and update the balance to {$0.00} or remove the negative payment status for this account.
Product: Mortgage

We mortgaged our XXXX condo with SunTrust Bank in XX/XX/XXXX. We recently sold our condo on XX/XX/XXXX and during our closing proceedings it came to light that we owed the XXXX XXXX {$2600.00} in penalties and fees. This is money that we had no idea that we owed. We have always escrowed our taxes since mortgaging with SunTrust. We opened up an inquiry with SunTrust who told us that our Homestead Exemption expired and it was n't reflected in our tax bill -- only in a supplemental bill that was sent directly to us-the homeowners-and therefore they are n't responsible. We never received a bill and therefore have been accruing late payments and interest since XX/XX/XXXX. I can not fathom how, when SunTrust assumed responsibility for paying our taxes and then failed to pay them in full, they can not take responsibility for the penalties owed. If they have faulty reporting on their end, why is it our responsibility to pay what we do n't know we owe especially when we believe they are paying our taxes each year? I am totally astounded at the inability of the system whereby a huge bank and the government tax department can not maintain a system to keep things running smoothly. Why is the consumer being penalized for something that they were totally unaware of and something they thought was being handled by the bank they were paying to pay their mortgage? We are hoping to recover these fees since we do not feel we are responsible for them given SunTrust took over responsibility to pay our taxes when we escrowed them. They will not help us and only insist we were responsible. Additionally they keep telling us that they would have no way of knowing we owed more in taxes when the Homestead Exemption expired but should n't that have just been an increase on our tax bill that they would see whereby they could just pay more in taxes as they needed to on our behalf?
Product: Credit reporting, credit repair services, or other personal consumer reports

These two collection company keeps filing debts on my credit report without contacting me a giving me a chance to dispute debt. Under the FTC law I have the right to receive notification prior to a debt being posted o credit report. Then given 30 days to dispute. I have not been given either. XXXX XXXX filed a debt that was paid. Now this has hurt my credit report and I will be filing a complaint with the XXXX of Texas and speaking with an attorney about damages. 

XXXX XXXX XXXX XXXX Opened XX/XX/2018 {$31000.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XX/XX/XXXXXXXX {$82.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bankruptcy on my report that is 7 yes old. I disputed I with XXXX and they removed it Experian will not.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX. XXXX XXXX XXXX FL XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX TransUnion XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX To whom it may concern : Please accept this letter as a written request to dispute the following account information of items appearing on my credit report. To prevent any confusion, i have listed the items and the account numbers below. 
Account # 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX I will also attach photos of Accounts and inquiries that are fraudulent. Remove them immediately. Please look at the attached photos. 
Explanation. I am requesting that the following account be removed immediately from my credit report. Im seeking further legal advise in addition to working with police investigators to locate the individual or individuals who is responsible for fraudulently establishing this account without my permission or authorization. Ive tried to work with your credit reporting agency as well as the credit grantor to have this account removed from my credit report. If i am unsuccessful with this attempt i will be forced to file a suit in federal court naming your credit reporting agency, the above creditor, collection agencies, and the acceptor of this letter as defendant. It is my understanding that per The Fair Credit Reporting Act this requesting must be given attention and completed in less than 120 hrs of your receipt, thank you for your prompt attention to this matter. This isnt the first time Ive contacted you about this situation and if the accounts isnt removed by the time frame I demanded I will take legal actions immediately after the response letter. 

Sincerely XXXX XXXX
Product: Debt collection

I am writing to formally dispute the accuracy of credit reporting by your agency regarding Account Number XXXX, as per the records of XXXX. I emailed several times and called and have received no assistance. According to the information provided to me, Hunter Warfield XXXX Inc. has reported this account as being in collections. This claim is surprising and concerning, as I have no knowledge of this debt, nor have I received any prior communication from your company concerning such an obligation. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide me with the original contract bearing my wet signature as proof of my consent to the alleged debt. This is to verify that the debt is indeed mine and that your records are accurate. Please mail this documentation to the following address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Furthermore, pursuant to the Fair Credit Reporting Act ( FCRA ), I insist that you cease reporting this account to all credit bureaus until a thorough investigation is completed. It is imperative that my credit report reflects accurate information, and I trust that your company will take immediate action to rectify any errors in your reporting practices. 

Should this dispute not be resolved promptly, I reserve the right to seek legal counsel to ensure the protection of my rights under federal laws including the FDCPA and FCRA. 

Please acknowledge receipt of this letter and inform me of the steps you are taking to investigate and resolve this dispute. I expect all communications to be in writing and look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Debt collection

We have made several attempts to work directly with RESURGENT CAPITAL SERVICES L.P., hereinafter " Resurgent '' or " Company '', in rectifying this matter. We have sent correspondence requesting comprehensive documentation via : Certified Mail # XXXX dated XX/XX/year>, Certified Mail # XXXX dated XX/XX/year>, as well as directly through the Credit Reporting Agencies on XX/XX/year>. Resurgent has not provided comprehensive documentation, for validation, and has actually refused all mail we have sent. However, Company continues to report on this account, in which Company has also violated both the FCRA and FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  The Following Account : has violated my rights : XXXX - XXXX - Late Payments 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 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

In Accordance with the Fair credit Reporting Act Convergent Accounts has Violated My Rights. 
( Experian- child support enforcemenXXXX  XXXX ). ( XXXX XXXXy - XXXX ) ( XXXX ). ( XXXX XXXX XXXX ) ( XXXX XXXX- XXXX ) XXXX - XXXX Babcock XXXX XXXX ( Educational XXXX ) ( Child Support XXXX ) ( XXXX ) ( XXXX collections- XXXX ) XXXX XXXX A 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 : its also states a consumer reporting agency CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Validate Account XXXX XXXXXXXX Validate Account XXXX XXXXXXXX Validate Account XXXX The inquiry was not authorized I sent a letter the credit bureaus to do an investigation into my credit report to validate the accounts on my credit profile. I received a response stating that after the investigation that the accounts were all validated and updated. I viewed my updated report and even after their investigation there were still inaccuracies and inconsistencies on my report. 

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 that person knows or has reasonable cause the information is inaccurate.
Product: Debt collection

I contacted AD ASTRA RECOVERY SERVICES on XX/XX/2020 regarding my outstanding balance with XXXX XXXX and they advised me that they have not had my account in years. They referred me to XXXX XXXX XXXX, Receiver because there was a judgement against me for this and XXXX XXXX was the appointed receiver. I came to a settlement agreement with them and paid the settlement amount. I then disputed the inaccurate reporting and AD ASTRA RECOVERY SERVICES " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. '' I have attached a copy of the release of judgement and also included that in the original dispute. This has caused me extreme mental, physical and emotional anguish.
Product: Mortgage

My XXXX  passed away in XX/XX/XXXX. My father had passed away previously in XXXX. Shortly prior to her death, she refinanced her home and and transferred her mortgage from US Bank to a reverse mortgage. 


I was appointed the Personal Representative ( XXXX XXXX ) for her estate. My XXXX XXXX  estate did not go through probate, because he had a living spouse and they had signed a community property agreement. Under the terms of his will, she was his sole heir. 


When I went through her paperwork, I discovered an escrow refund check from US Bank. The check was made out to both my parents and dated XXXX days prior to my mother 's death. Because I have no authority over my father 's estate, I was not able to cash the check. I contacted the bank and asked them to reissue the check payable either to her alone, or to her estate. 



Since then, I have talked with the bank several times, and worked with XXXX XXXX in their Life Events department. The bank sent me a letter acknowledging me as the " XXXX in XXXX '' on the property, but I haven't had any further communication from them. When I have tried calling the contact in the Life Events department, I get voicemail. I have not received a call back. I have given them several weeks to respond to emails, but there has been no reply. 

I have also tried calling back to the mortgage department, but they are unable to help with closed mortgages. When I have called, I have been transferred to various departments, but it seems to be an unusual situation and no one is sure how to handle it.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 so on
Product: Credit card or prepaid card

I applied for the Discover Card to take advantage of a 15 month, 0 % balance transfer and low interest rate for purchases. My application was accepted. I was able to transfer balances from 3 other credit cards from 3 different companies. I started using the Discover card for purchases but started getting denied for transactions. Their fraud protection company reached out to me to inform me that I had to prove who I am, despite my personal bank account being associated to the card and automatic, monthly payments being made. I was told that I had to fill out a form that was sent to my personal email, fill it out and have it notarized. I had it notarized at the bank that was associate with the account and payments. I was informed that they called twice and the notary wasn't available so the form would not be accepted. They provided an option to use a proprietary application of theirs, were I could take photos of my drivers license. I used this several times and although the photos were clear, they would not accept them and told me I only had 2 attempts to use this method. They offered me the option to get the form notarized again, but I was traveling for business and could not get this completed withing the 4 days they required. I was then informed that my account would be closed. I argued the fact that they accepted my application, my bank accounts and other credit card accounts were tied to the account and that I used their methods to prove who I am and those were rejected by them.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$230.00} XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XXXX XXXX I receive document of Debt Collection of {$37000.00} from Round Point Mortgage on Foreclose house of XXXX XXXX XXXX XXXX, XXXX, Texas.XXXX. 
A Bankruptcy Chapter XXXX  was filed on XX/XX/XXXX and was Discharged by XXXX, Texas Federal Judge on XX/XX/XXXX. VA Loan # XXXX of XXXX of {$240000.00} was included on bankruptcy and any debts of sale was included. 

My home was foreclosed and sold on XXXX XXXX during a VA Loan Modification process in XXXX, Texas.I was placed homeless with my XXXX XXXX and all my personal property in my home was thrown out on the exterior of the house on the street. 
I wasn't given no restitution of relocation because of my disability. 
Round Point Mortgage Law Firm used their authority and their billion dollar law firm to put me homeless with my Disability. 
I have been Discriminated and Retaliated as a XXXX Military Veteran. 

Why Round Point Mortgage waited after I did my Federal Taxes of XXXX to send me the collection debt of {$37000.00} on XXXX XXXX? 
My Federal Tax has been completed on XX/XX/XXXX prior to this document sent by Round Point Mortgage.. 
I am XXXX XXXX  and XXXX. 
Bankruptcy Chapter case # XXXX Filed at XXXX District of Texas US Federal Bankruptcy Court in XXXX, Texas with former Attorney XXXX XXXX XXXX ... Fax XXXX
Product: Debt collection

The attached referenced collection agency has violated my consumer rights and I have asked the company to validate the debt that they say that I owe with them by providing me with a copy of the purchase agreement and the bill of sale. The company has failed to provide any proof that the debt is valid. I have also advised a cease and desist until documentation is provided for the validation of debt with their company under the fcra laws 15 usc 1692 g. I am demanding that this be removed from my credit report immediately. 
MIDLAND CREDIT MANAGEMEN Last reported XX/XX/XXXX {$410.00} Open balance MIDLAND CREDIT MANAGEMEN Original creditor XXXX  Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name MIDLAND CREDIT MANAGEMEN
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXXXXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy 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: Credit reporting, credit repair services, or other personal consumer reports

am very affected by the cessation of activities produced by the Pandemic that paralyzed the world economy and our country in particular. 
I have a XXXX XXXX  and I am the XXXX, XXXX XXXX  and woman in charge of the entire family group. 
I have had this account for more than five years, I have never failed in my commitments. I have been honored to go through all the difficulties. 2020 is an unprecedented year. 
In honor of the truth, I have taken the GRACE period that was a BENEFIT, granted by the Financial companies, the tools were mobilized so that I could not sustain the country 's economy, my small company is standing, while this last period ended, We analyzed with the first line of customer service the possibility of extending one more month, they denied me at a higher level this last possibility, always in charge of my XXXX, my family giving the face with full credit responsibility to all calls and calling to see how I could solve. 
I was waiting for this analysis while they were analyzing the possibility of extending this grace period. This did not happen They denied me the benefit and only that day the QUOTA expired and the 30 days passed, where they reported me to the CREDIT BUREAU or else I would have paid it IN TERM by making the maximum sacrifices. 
I HAVE NOT CLOSED, DO NOT LEAVE MY OFFICE DO NOT LEAVE MY staff that moves in commissions. PAY MY OBLIGATIONS AS IT SHOULD BE
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has gotten a hold of my information and opened an account with 1. XXXX XXXX  XXXX XXXX acct # XXXX. There were also accounts attempted to be opened as well and there are unauthorized inquiries they are : XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, and XXXXXXXX XXXX XXXX on XX/XX/XXXX. I have attached the report for id theft with the ftc for you to review as the instructions stated.
Product: Checking or savings account

On XXXX XXXX. I attempted to transfer {$6000.00} to my external account. Not to mention Ive had this account for over one year. On XX/XX/XXXX I was surprised to find that my account was restricted due to the activity. I contacted synchrony immediately via chat which i have uploaded the transcript. They wasnt able to assist and advise to contact customer service. I did that and was told to upload documents to verify my address. I was told to allow 2-3 for an update. I called back on the same day to verify if they received my documents and was told no. Another representative provided me an email address to send my documents. I sent them immediately. The next day on XX/XX/year> I called and was told the documents was received and to allow another 2-3 business days. Im upset that I have to continue to wait on my funds thats i worked hard for. I have bills that need to be paid. I need assistance AsAp.