23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Mission Financial keeps upd ating my credit report with different new amounts from what the debt actually is and the last balance that was due to them in     XXXX  w as {$2100.00} now it has impacted my credit report that this company keeps updating these ridiculous amounts and they keep updating with  XXXX  accounts on my credit file and I tried disputing this   XXXX   times with the credit bureaus (  XXXX   &  XXXX  ) a nd to no avail has anything changed so I am attaching what they are reporting twice on both credit bureaus and also this debt is ove r 7 years old a nd I can not understand why do they keep updating my credit profile and changing the amount due. I have attached and updated reports of this action.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : Unauthorized Hard Inquiry Dispute Dear Transunion, XXXX, and XXXX Credit Reporting Team , I am writing to formally dispute the unauthorized hard inquiries appearing on my credit report. I did not authorize these hard pulls, and I request that they be removed immediately in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. 

The following hard inquiries appear on my credit report and were made without my knowledge or consent : XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX  - Inquiry Date : XX/XX/XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Inquiry Date : XXXX XXXX XX/XX/XXXX Under 15 U.S.C. 1681b ( f ), it is unlawful for any person to obtain a consumer report without a permissible purpose. I have not applied for credit or authorized these entities to access my credit report. Therefore, these inquiries are a violation of the FCRA. 

I kindly request the removal of these unauthorized inquiries from my credit file. Please complete your investigation within the 30-day time frame required by the FCRA, and notify me of your findings in writing. If you need additional information to investigate, please let me know promptly. 

Enclosed are copies of my identification and a copy of my credit report highlighting the disputed inquiries for your reference. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

I just got a copy of the Modification that XXXX sent to Selene that Selene then rejected, and their Rejection comments XXXX ) XXXX had the Modification from XX/XX/XXXX till they sold the loan in XXXX why didn't XXXX  contact me and tell me they need to correct the Modification that I had sent back? 

XXXX ) Why did it take so long for XXXX to find and then reject this modification having had it since some time in XXXX and not finding it till XXXX XXXX ) Selene still has still not done an accounting and dumped all the money due under the Cares Act back on to the me from the loan burying me deeper into dept. 

XXXX ) I have applied for a HAF Loan with Georgia explaining to them the urgency of the situation with a pending Foreclosure of XX/XX/XXXX date
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$550.00} XXXX XXXX XXXX XXXX XXXX  : Original creditor XXXX XXXX Opened : XX/XX/XXXX I am writing to bring to your attention a matter of urgent concern regarding identity theft and fraudulent activity associated with my Credit Report. Upon reviewing my recent credit report, I have discovered numerous unauthorized accounts that I did not initiate or authorize.

These discrepancies indicate that my personal information may have been compromised, resulting in unauthorized accounts.

As a victim of identity theft, I am deeply troubled by these findings and am taking immediate steps to address the situation. FTC REPORT has been filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report and XXXX Letters last XX/XX/XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
rebelliousness. XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AL XXXX ; XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$730.00} ; XXXX XXXX BANK XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX  XXXX XXXX XXXX XXXX {$11000.00} ; XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX XXXX  XXXX Balance : - ; XXXX XXXX XXXX XXXX : {$190.00} ; XXXX XXXX XXXX Original creditor XXXX XXXX XXXX : {$110.00} ; XXXX XXXX XXXXr XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$0.00} ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXXnquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX on XX/XX/XXXX XXXX
Product: Debt collection

After I moved from an apartment the manager turned the apartment into a model by by bringing in furniture and place settings. Then telling me I am still responsible for the rent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and wilfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

Here is the list of items which are UNKNOWN to me : XXXX - XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance $ XXXX XXXX XXXX Date opened XX/XX/XXXX Balance $ XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX Date opened XX/XX/XXXX Balance : {$3100.00}.
Product: Mortgage

Submitting a complaint regarding post covid modification request. 
I called Wells Fargo on XX/XX/12 to advise I'm ready to begin making payments again. I advised I could make payments at a reduced amount and I was requesting a XXXX flex mod. 
I was given a deferral instead. 
Through an escalation process via their " executive dept '' they unwound the deferral and left my account in a DQ status without any assistance. Over a month later I'm still attempting the receive the XXXX flex mod. 
Per XXXX  lender letter XXXX reduced eligibility criteria. I should be eligible and no documents should be needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX. I went into forbearance due to COVID. I then entered into a loan modification where I added the three missed payments to the end of the loan term. I signed a Note and new Mortgage and returned the docs to XXXX XXXX They nevertheless reported me 90 days past due on the mortgage. I got a different story every time I called and was assured repeatedly the issue had been corrected. I have nothing showing on my account that a modification was granted and the false credit report remains outstanding.
Product: Credit reporting or other personal consumer reports

I am writing to formally request an investigation and correction of inaccurate reporting on my XXXX student loans. I have noticed that my credit report incorrectly lists several of my student loans as past due for various months. These entries are incorrect and negatively impact my credit. Below are the details of the discrepancies : XXXX Days Past Due : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX Days Past Due : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The XXXX loans affected are : # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : 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 XXXXXXXX
Product: Debt collection

Elderly ( XXXX years ) relative I do not reside with has received this message repeatedly : I have requested that the company does not call and yet they continue to receive repeated calls. 

" [ My name ] You now have until XXXX today to call our office or your file will be forwarded without your input and further action may be taken i can be reached at XXXX it is imperative that you call us back today all attempts have been documented. '' The term " further action may be taken '' seems to imply legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am submitting this complaint without any outside influence.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain entries on my credit report. I do not recognize the listed accounts or their current status as reported. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I am entitled to dispute inaccurate or incomplete information on my credit report. Additionally, under 15 U.S.C. 1681e ( b ), creditors and credit reporting agencies are required to ensure that the information provided to them is accurate and complete.

The accounts I dispute are as follows : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$4600.00} XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$750.00} XXXX XXXXXXXX Account Number : XXXX Balance : {$3700.00} XXXX XXXX  Account Number : XXXX Balance : {$1000.00} I hereby state that I do not recognize any of these accounts or the amounts reported as being owed. I have never opened these accounts, nor do I acknowledge any liability for these charges. These accounts may be the result of identity theft or clerical errors.

Furthermore, in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 ( g ), I request that you provide proper verification of these debts, including the name of the creditor and the detailed history of the alleged debts. I reserve my right to dispute these debts further should proper validation not be provided.

Please investigate these matters and, in accordance with the FCRA, remove or correct any inaccurate, incomplete, or unverifiable information on my credit report. I request that you provide me with the results of your investigation, as well as a copy of the corrected credit report upon completion.

If any of these accounts were reported in error, I also request that you remove the negative entries and notify me in writing of the actions taken. If verification can not be provided, I expect these items to be permanently deleted from my credit report in accordance with the FCRA.

Thank you for your prompt attention to this matter. I look forward to your confirmation of the dispute resolution.
Product: Debt collection

A couple months ago I contacted the company SW Credit systems ( SouthWest ) after noticing them as a collection account on my credit. They advised me it was an XXXX XXXX XXXX bill however I do not have XXXX XXXX XXXX. I informed them it was as an result of identity theft at what point they instructed me to go online to get forms to submit to XXXX XXXX XXXX. I did as they instructed however they still have not removed the item and still have me in their system.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 XX/XX/2018 XX/XX/2018 and XX/XX/2018 XXXX XXXX XXXX RAN MY CREDIT WITHOUT MY PERMISSION 4 TIMES AND I DIDN'T KNOW THAT THEY DID BECAUSE I'M JUST NOW ABLE TO SEE MY XXXX  REPORT AND IT DID NOT SHOW UP ON MY XXXX I ONLY INQUIRED WITH THEM ONE TIME AND THAT WAS LAST YEAR AND NOW THEY HAVE MY INFORMATION AND SEEM TO USE IT AS THEY PLEASE AND I AM NOT COMFORTABLE OR HAPPY ABOUT IT THAT IS NOT VERY PROFESSIONAL AND I WANT THIS TO BE HANDLED IMMEDIATELY
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and saw numerous accounts that do not belong to me, nor have I applied for. The company showing a closed account is XXXXXXXX XXXX XXXX  self lender. I also noticed multiple inquiries reporting : 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

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I paid off the balance in full for Comenity/XXXX XXXX XX/XX/2021 in the amount of {$2500.00}, which was the amount indicated to be paid to fully close out the account according to the payment site. Naturally, the account should close itself after the payment posted as no subsequent charges were made to the account. 
I was billed a residual finance charge a month later on XX/XX/2021 of {$5.00}, which I was unaware of as I knew I had no further obligation to this account. 
Once I realized that XXXXComenity was still sending statements, I called to find out what the charge was for and paid it immediately. This residual finance charge of {$5.00} reported as a 30 day late marker for XX/XX/2021, which is inaccurate as my entire pay history with this account has been on time. I never received any delinquent notice nor a phone call from their collections team to remedy. 
I initially called to review this with ComenityXXXX but XXXX refused to speak to me about the reporting of my account. I then submitted a dispute to the credit bureaus and ComenityXXXX XXXX XXXX negative reporting. But they have now put the inaccurate reporting back. I have again recently disputed and they have not resolved the reporting. 
It is disturbing that I have paid all charges due and interest that they required, they billed me more charges after the fact, and then report derogatory information for a {$5.00} fee that I was not even aware of. This is unfair treatment that I want resolved immediately. This {$5.00} fee has drastically negatively impacted my credit and my life.
Product: Checking or savings account

Hello, there is a very serious matter that I need to escalate with Novo, in regards to some unauthorized transactions ( XXXX transactions at XX/XX/year> for {$200.00} each ; total of {$1000.00} ) that were posted to my account on XX/XX/XXXX that I never received credit back for, so almost 2 months ago. Not long after I saw the transactions on my account, I had opened a support ticket with Novo to notify them of the unauthorized transactions, and how I had lost my wallet with my PIN inside on a piece of paper, to which I was told that they were processing my dispute and would continue to give me updates. I then received further correspondence from Novo requesting a copy of a police report from me, to which I provided. Fast forward, and im still without recourse, I still haven't received the credit back to my account. Novo replaced my card, and sent me a new one, which I appreciate, but it still doesn't resolve the issue of the money missing from my account that I never received back. Need someone to make this right and rectify the situation
Product: Credit card

On XX/XX/year>, I received a document from Chase Disputes. On XX/XX/year>, I called Chase Disputes and I spoke with a representative who informed me that I had until XX/XX/year> to submit all documentation for my Chase Dispute. 

I have called many times since then and the date of XX/XX/XXXX has never been mentioned ever again. The date was mentioned to be XX/XX/XXXX and then later XX/XX/XXXX as the final day to submit decimation for my financial dispute. 

I am not happy with the inconsistencies that Chase Bank has provided me with on the phone in terms of the information that I need.
Product: Consumer Loan

My car was repoed. Toyota finance says my balance was {$4300.00}. I paid {$5600.00} through my bankruptcy dispersed to Toyota. ( copies included ) I also paid 2 years at {$260.00} per month before my bankrutpcy. That 's {$6400.00}. For a total of {$12000.00}. When i called after the repo Toyota did n't know that {$5600.00} was collected through the bankruptcy. That money was never applied. When they realized it I was promised a phone call back, and they would work something our with me. I have been ignored. I want my {$12000.00} back. That is what I paid for my car. They took it. Sonow they owe me what I paid for the car. I have included copies from the bankruptcy trustee, and a balance from Toyota. they took the entire car with low miles on so I want all of my money. It 's not fair that i paid all that money and they keep all the interest and the principle. so whay is fair is all the money I paid