23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I proceeded to send a letter requesting the verification of a credit card debt that Resurgent Capital bought, the credit card was paid, however, Resurgent Capital is reporting that I still owe a balance. By XX/XX/XXXX the company responded sending a simple bill without any signatures from my end, so I proceeded to send a follow-up letter requesting an actual verification of the debt. By XX/XX/XXXX the company sends a letter stating that I was sending duplicative correspondence and that they would not respond to my letters without additional information. On that same day ( XX/XX/XXXX ), I sent a letter that stated that the company was in Violation and that I was requesting an actual Verification of the debt. By XX/XX/XXXX the company decided to send me the exact same letter saying that they would not respond to my letters, once again I asked them for verification of the debt, but on XX/XX/XXXX they sent me the exact same letter without any verification of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX hereby request that the attached account I had with XXXX XXXX XXXX be deleted permanently from my credit report effective XX/XX/XXXX as already agreed upon by XXXX in a XX/XX/XXXX and a XX/XX/XXXX credit report I obtained from Experian Information Solutions , Inc. The attached letter I received from XXXX is not on point, and I believe that they are trying to re-age the original debt as part of a vengeful process to eradicate funds from me personally. I therefore demand that Experian check into this issue and take sanctions against XXXX XXXX XXXX for not abiding by its subscriber agreement with your credit reporting agency. Since the deadline was already established, I demand this account be removed XX/XX/XXXX permanently. 
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Information on Credit Report Reference : FCRA 15 U.S.C. 1681 Dear [ Credit Bureau Name ], I am writing to formally dispute certain information on my credit report, which I believe to be inaccurate or incomplete. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to request a correction or removal of any information that is not substantiated or is otherwise inaccurate. 
Disputed Information : Item Name : XXXX XXXX, XXXX Account Number : XXXX Description of Discrepancy : Fraudulent account due to data breach Item Name : XXXX XXXX XXXX Account Number : XXXX Description of Discrepancy : Fraudulent account due to data breach Item Name : XXXX XXXX Account Number : XXXX Description of Discrepancy : Account Closed XX/XX/XXXX reporting beyond XXXX limit Item Name : XXXX Account Number : XXXX Description of Discrepancy : Fraudulent account due to data breach Item Name : XXXX XXXX  Account Number : XXXX Description of Discrepancy : Fraudulent account due to data breach Under the FCRA, I request that you investigate this matter and remove or correct the inaccurate information within the statutory 30-day period. As required by law, you must forward all relevant information to the creditor or data furnisher for verification.

Additionally, if you are unable to verify the disputed item, I request that it be removed from my credit report in accordance with the FCRA guidelines.

Please provide me with a written response once your investigation has been completed and confirm any corrections made. If any of the disputed items are found to be inaccurate, I would appreciate a corrected copy of my credit report. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I received a call from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX about a payday loan taken out on XX/XX/2016 that I never applied for or received. Unable to provide original info or what state the application was applied from or who the exact payday loan person was at that time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date- I have wrote XXXX  , XXXX  and Experian regarding inaccuracies on my credit report XX/XX/XXXX XXXX  has removed the account. 

However XXXX  and Experian continue to report inaccurate data on purpose to hurt my credit. 

I am a veteran and I shouldnt be treated like this ; I have facts and there are being ignored like Im just another number. 

Amounts- {$1000.00} Actions I took : Issue : Credit Bureau Reporting inaccurate Date of last active on XXXX account- XXXX  has XX/XX/XXXX and Experian has XX/XX/XXXX. It is obvious Experian has re-aged this account and this is a violation. 


In addition, I believe they are required to put on my credit report _A notice of Dispute in comment section ; within 30 days and they have not. This is another violation. 

Also, XXXX  has no history reporting in the Legend of the account how Is that possible? 

Resolution is - delete this account for inaccuracies Please see the attached current credit report for XX/XX/XXXX, and XXXX XXXX XXXX  remove acct. 
Please see the attached Letter I sent XX/XX/XXXX. 
Please see attached Drivers License, and my passport as proof of identity. 

Please assist me with getting this issue addressed. 

Thanks XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXX/XX/XXXXConsumer Financial Protection Bureau XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX Subject : Demand to Update PII and Delete Dated Information To Whom It May Concern, I am submitting this formal complaint and demand immediate action to update my Personal Identifiable Information ( PII ) and delete inaccurate information per - TransUnion/Equifax/Experian ] XXXX 

My current information that requires updating is as follows : Name : XXXX XXXX XXXX XXXX XXXX of Birth : XX/XX/XXXX Primary and Only Phone Number : XXXX Email : XXXX Address : XXXXXX/XX/XXXXXXXX Employer Name : Empowered Talks and Stocks I demand that the following outdated information be promptly deleted : Despite repeated attempts my PII has not been updated, jeopardizing my privacy and potentially affecting my ability to receive crucial communications. 

I insist that you conduct an immediate investigation into this matter and ensure that my PII is updated accurately. Additionally, I request confirmation in writing once these updates and deletions have been completed. 

Failure to address this demand within a reasonable timeframe will compel me to pursue all available remedies under the law. 

Enclosed are copies of relevant documents supporting my current information. 

Thank you for your urgent attention to this matter. I expect prompt resolution and confirmation of action taken. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I want all monies that were reported to be refunded.
Product: Student loan

I have tried multiple times to lower my payment from my loans, when I first graduated college I was paying near to almost XXXX per month, then they slowly lowered the payment by extending the loan terms but also keeping me at a 9-10 % interest loan. at one point they had me on a program where they lowered my loan payment by cutting the interest in half to help, but after a year I had to re apply after making faithful payments for that whole year, and they denied me for that program. I recently called in to Navient, ant they stated that I do not qualify for anything without even questioning my income or current situation. I am just very frustrated with Navient/XXXX, for how they have treated myself and young adults and should be more flexible because I have had to put my life on hold of buying a house, and causing my credit to crumble at one point because of them not being flexible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Talked to trans union because a late payment was reported on a 3 plus charged off acct. which crashed my score by 46 plus points they are saying they dont see this but can you explain the sudden point drop! All of my credit monitor sites show this late payment!
Product: Debt collection

I canceled my allstate insurance policy originally on XXXX to be effective XX/XX/scrub>XXXX  The policy was never canceled and I canceled again on XX/XX/scrub>XXXX  again effective XX/XX/scrub>XXXX Per the documented chats, it was to be canceled. I never received anything more from XXXX until I received a collection notice for {$1300.00} on XXXX  I sent the required documentation, including screenshots of the chats from both dates and the new declaration page to the collection company. I didn't receive a follow-up email or call so I called them this morning. I was told, by XXXX, that the money was owed because I didn't give 45 days written notice to XXXX to cancel my policy- which is wrong. I told her this and she said that she would speak to XXXX and put me on a XXXX minute hold. She came back and said that she was correct and I owed the money because of the lack of notice. I explained that is not how insurance works, and legally I don't have to give 45 days notice- and per the chat history that I sent her the XXXX agents I chatted with said nothing regarding this made up policy. I was informed that if I paid today that she would graciously take XXXX % off the balance owed. I told her I would not be paying this and asked who I needed to speak with at XXXX. She told me that they wouldn't speak to me because it was in collection. I called XXXX. It was an error on their part and I do not owe the money- nor do they have a 45 day policy to cancel.
Product: Credit reporting, credit repair services, or other personal consumer reports

Issue : There was a fraudulent hard inquiry on my credit report from LL Bean Mastercard and my main address was changed to a fraudulent address. 

Action Steps : 1. XX/XX/XXXX - I called XXXX  to inform them of the fraud, they said you need to request a letter from LL Bean Mastercard that it was a fraud and they will remove the inquiry and address. I called LL Bean Mastercard for the fraud, they sent a letter to XXXX to remove the inquiry. 
2. XX/XX/XXXX - I called to follow up, XXXX  received the letter by mail and by fax, but now they need a formal dispute to be filed for the inquiry to be removed 3. XX/XX/XXXX - I submit the formal dispute, LL Bean Mastercard sends another letter stating the inquiry should be removed because it was their error, but XXXX   now says, you need to have LL Bean  Mastercard call the XXXX   department to remove the inquiry. I called LLBean and they said they do not have a group that does calls because it is unreasonable for them to call every agency for every credit issue - they sent another letter 4. XX/XX/XXXX - XXXX  will not remove the hard inquiry and I am frustrated that XXXX is the ONLY agency who is making it impossible to remove the hard inquiry. 

I can send all documents requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

In regards to account XXXX XXXX  XXXX I have never had any relations to this company and they are violating my rights by falsely reporting me under their company name to the credit bureaus. 

They keep saying this debt is verified but how? This company has yet to provide actual physical proof that I have agreed to do any business with them. There is no signed contract between XXXX XXXX and I. 

You can not report me to the credit bureaus when I had no agreement with your company over any debt that you are reporting on my report. 

Please provide copies that I need to turn over to my attorney in order to have this matter resolved. In the absence of any such documentation bearing my signature, SSN, address, and an actual signed, dated AND detailed contract between your company and I, I ask that this information be immediately deleted from the file you maintain under my Social Security number. Failure to provide these specific documents will prove the lack of validity and verification of this account you are reporting to the bureaus under my social security number. My attorney and I will use any and all info from your company against you in the court of law for violating my rights. 

This is my last attempt to give this company a chance to provide proof and documentation, otherwise I will have to escalate this to the court of law with my attorneys. 

Contracts with my signature, or any relevant documents, it must include : -Date I opened this account with your company -The type of credit line this account was -Interest rate -Terms and conditions of account -Line by line statement ( including interest charges ) from the opening date of account until todays date -Signed contract between your company and I
Product: Debt collection

I have asked Trans Union to investigate the first time and they updated saying it was accurate without sending me any proof. so I asked for a re-investigation and they said they cant do the reinvestigation because its already been updated and I asked for proof of debt with my signature and I havent received it They have not sent me any documentations showing any accuracy that I own the debt and they state that they can not reinvestigate the accounts.
Product: Credit card or prepaid card

Re : Bank of America, EDD I am a BOA customer. I was recently laid off from my job and was awarded XXXX XXXX. I received a BOA EDD card, but there are no BOAs in Montana where I live. I am trying to get the fund transferred into my personal BOA acct. I can not get a live operator on the phone to help me. 

After listening to balance a dozen times, and every other irrelevant option in their endless automated message, we are finally given an option to speak with a representative, but when I have chosen it, I get a busy signal, or 'we can not answer your call at this time. '' This is awful. I need funds. A prepaid card does not help me. I need the money in MY ACCT to pay my mortgage with. 

There is no excuse for BOAs absentee customer service. Please help. Or I will move my accts somewhere else.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a complaint issue over my Public record it is not accurate. The bankruptcy is listed wrong error please delete XXXX FRCA and XXXX. I have addresses that are not mines or possibly belong to family member. please remove the following items. 
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 XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX
Product: Money transfer, virtual currency, or money service

Im writing to express my concerns regarding Zelle handling of disputes, in light of the recent CFPB lawsuit highlighting issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBS findings indicate that Zelle hasnt only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Credit reporting or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2022
Product: Mortgage

I have had nothing but problems with Ditech. I had a loan modification while I was injured and not working. Which was in it self a very taxing experience.they lowered it XXXX dollars for a while and then without notifying me raised it back to original payment and turned it into a new 30 year loan without my concent. I was already 20 years into my loan.also they stated I was short in my escrow account and raised my payments. And now they have notified me again Im short and I need to pay them again. In 20 years of my loan this never happened with other mortgage companies until Ditech took over. Please help me.
Product: Mortgage

I recently submitted a complaint and only work done was 'spoke to client ', Closed. 
Do I get to see response? Did company respond to length of time they're taking to just increase the amounts I'll owe? Did company respond to # of requests that are not 'updating ' but confusion over who has received what? Did company respond to why this process is in its 9th month? COMPLAINT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent inquiries outside of XXXX  XXXX from XXXX XXXX XXXX XXXX XXXX  XXXX  from XX/XX/2020 and XXXX XXXX XXXX  in XX/XX/2020. The bureaus have refused to remove these even after several disputes and phone calls with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX agency has " parked '' and old Dept stating i owe {$350.00}. They have also re-aged the dept as of XX/XX/2018. this is a violation of the FCRA. They have willfully reported incorrect information.
Product: Credit card or prepaid card

Back in XXXX of XXXX, I had fraud on my credit card. As soon as I found out, I contacted Chase and disputed the fraudulent transactions. The claim was resolved in my favor, however, I am still being charged interest on those purchases. I have called several times trying to get this issue resolved and I have been told that the issue would be resolved, but as of the most recent statement, interest is still being charged on purchases I did not make.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax shared my information because of a hack.
Product: Student loan

JP Morgan owes my student loan # XXXX but their servicer XXXX XXXX XXXX changed my due date from the XXXX which I had for several years was changed without my permission to the XXXX which will not work my pay cycle all my other loans are due on the XXXX, and I have tried to change it many times but I kept getting told different answers, I do not know why my due date keeps getting changed. I believe that is illegal to go in and change any due dates unless I asked for them to be changed. I have tried to discuss other matters with CHASE but they refuse to discuss anything with me, they are still responsible for any actions that XXXX takes on loans because they still own this debt, if XXXX does not get its act together I may have file bankruptcy and that way no one would get anything. It is difficult to get a bankruptcy that includes student loans but based on the numerous actions taken by XXXX, I may not have a choice. I have a controlled XXXX XXXX XXXX but everything I talk to XXXX, my XXXX XXXX level goes up, I had to go to the emergency XXXX night because of them. My doctor advised me to have them contact me by email only because talking to them is no longer a good option. XXXX XXXX is a known liar and will not take the time to actually investigate a complaint, I have filed numerous complaints inside XXXX and I do not hear anything. Chase has a part in this also, they think because they do not do anything with the loans, they do not have talk with me but that is not true. Per the Consumer Financial Protection Bureau, you have a duty to deal with the complaints, you will only contact XXXX for their side of the story which is not a real way to solve a complaint. XXXX is a horrible servicer and I wish not to deal with them anymore and would rather file bankruptcy so I can have a healthier life.
Product: Checking or savings account

XX/XX/year> my XXXX check was issued and stolen. Amount {$10000.00}. Check issued by XXXX. Check was fraudulently cashed at Wells Fargo. XXXX has tried to recover funds from Wells Fargo without success. I have copies of fraudulent check and note check was not endorsed. I am seeking to recover my funds that were stolen and cashed without check endorsement at Wells Fargo. As to date XXXX funds have been issued back to me.
Product: Debt collection

On XX/XX/22 I received a letter from XXXX XXXX  is attempting to collect a debt {$470.00} that they purchased from Citi Bank/Best Buy for pennies on the dollar, that neither company would validate and sold. I had it removed off my consumer report then XXXX XXXX  bought the debt and placed it back on my consumer report with out my knowledge. Now they are contacting me at my private address that I gave them no permission to do so. I do not have any contract with them nor have they validated the debt, they just sent me a copy of some paper statement that can be printed out. They have the debt listed as collection/charge off on my consumer report which is illegal since they did not charge it off or have a contract with me. I have contacted them and ask to stop reporting this debt and discontinue reporting any trying to collect this debt. They ignored me and said they validated it which I know they did not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am begging for help with TransUnion they have placed a fraud account on my credit report for US DEPT OF EDUCATION. I have explained a million times that I have never been to college or taken a loan in my name for education for my self or anyone else. I previously submitted a police report and an identity theft report. I called to follow up they told me they never got it but some of the accounts that was included on that report they deleted. I called back to follow up again the Rep said he could not look back in the files at old information even if this account was included. They have made this an entire nightmare. I have been trying to get this account that someone else opened off my credit but it seems as a punishment someone will not " READ & UNDERSTAND '' THIS A FRAD ACCOUNT OPENED IN MY NAME. Each time I contact CFPB Transunion responds that this matter must be investigated which they never do please look at all the complaint and have them delete this account IMMEDIATELY.