23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

bridgecrest refused and sent back a money order # XXXX that was certified mailed out on XX/XX/year>. They received it on XX/XX/XXXX and then emailed me yesterday stating how my car is up for reposession due to nonpayment very fraudulent practices
Product: Mortgage

Greentree has failed to respond to a qualified written request for several months. They have failed and refused ( and continue to do so ) to process my automatic monthly debits form my checking account, resulting in fees and costs for XXXX late fees as a result of their error and last-minute " speedway '' fees, which upon information and belief contributes profit to Greentree 's bottom line. During the call, Greentree makes false statements including that " free options, such as our monthly automatic payment '' are available. I have signed up for the same and Greentree has not initiated withdrawals pursuant to my instructions despite my explicit instructions to do so at least ten times.
Product: Credit reporting or other personal consumer reports

Fraudulent charges were made to the following accounts and fraudulent inquiries. The statue allows for multiple reinvestigation. 

Account name XXXXXXXX XXXX  Account number XXXX Account name XXXX XXXX XXXXXXXX  Account number XXXX Account name XXXXXXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXXXXXX XXXX Account number XXXX Account name XXXXXXXX XXXXXXXX Account number XXXX Fraudulent inquiries : Fraudulent charges were made to the following accounts. The statue allows for multiple reinvestigation. 

Account name XXXXXXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXXXXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXXXXXX XXXX Account number XXXX Account name XXXXXXXX XXXX Account number XXXX Fraudulent inquiries : XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

Subject : Request for Method of Verification and Continued Dispute of Charge-Off To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the. I previously sent a dispute letter requesting the removal of this charge-off based on the 1099-C form I received, which indicates that the debt was canceled.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off.

2. The name and contact information of the person or entity that provided the verification. 3. Copies of any documents or records used in the reinvestigation process.

The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ). 

Please provide me with the requested information and update my credit report accordingly. I expect a response within the XXXX period allowed by law. 

Thank you for your attention to this matter.
Product: Credit reporting

Recently with Equifax credit reporting agency a paid collection reporting as XXXX XXXX XXXX was deleted from my credit report and was then replaced on my credit report a few days later. I monitor my credit report very closely and disputed this change, which I thought was in violation of my rights for fair credit reporting. Equifax however, refuses to remove the item.
Product: Credit reporting or other personal consumer reports

I sent a dispute for inaccuracies in my report, they reporting late payments on accounts named XXXX and XXXX XXXX. They removed XXXX of the lates. However this is inaccuracies and against the law to be reporting what is considered an exclusion in the transaction, the lates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX have no other recourse but to file a complaint against a national bank for a complete fabrication against my excellent credit history. The copy of the returned overpayment check is complete vindication of my position. However, after several verbal complaints with XXXX XXXX XXXX, and a hard copy complaint with each respective credit reporting agency, XXXX XXXX XXXX still has refused to remove the {$360.00} default postings. I will submit my complaint in chronological order as follows : 1 ) Vehicle loan co-signed for my son XX/XX/XXXX with original balance of {$36000.00}. 
2 ) Payments began XX/XX/XXXX. 
3 ) Vehicle totaled in accident XX/XX/XXXX. 
4 ) Payments up to date for XX/XX/XXXX only. 
5 ) I had major comprehensive insurance plus gap insurance to cover all vehicle loss if necessary. 
6 ) Insurance claim posted immediately. 
7 ) Major insurance paid out almost 100 % of balance, except for gap portion of insurance. 
8 ) As of XX/XX/XXXX, all balances should have been posted as complete XXXX 
9 ) XXXX XXXX received all payments from XXXX XXXX and XXXX XXXX XXXX. 
10 ) Last gap insurance payment posted was in XX/XX/XXXX for {$3800.00}. 
In XX/XX/XXXX XXXX XXXX XXXX posted a {$360.00} deficiency, that had nothing to do with a monthly payment schedule. After constructive receipt of any insurance claim, the governing body of legislation is no longer under the Fair Credit Reporting Act, with oversight from the Consumer Financial Protection Bureau. The governing legislation is the Fair Debt Collection Practices Act, https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text. 

11 ) XXXX XXXX XXXX was actually overpaid from the gap insurance {$270.00}. A copy of the overpayment is attached dated XX/XX/XXXX. 
12 ) XXXX XXXX XXXX has tarnished my credit without sufficient cause, and the federal mandated legislation protecting my credit status had been fulfilled once the payment history went from monthly payments into a debt collection status related to insurance coverage. 
13 ) Accordingly, I file a complaint against XXXX XXXX XXXX directly along with XXXX, XXXX  and Trans Union respectively. It is a necessity of all credit subscribers with credit reporting agencies to protect the rights of consumers under FCRA, FACTA and FDCPA within legislative mandated guidelines. 
14 ) My rights have been overlooked by XXXX XXXX XXXX on this occasion. However, I realize that mistakes happen and this could all be looked at as a clerical problem, and if XXXX XXXX XXXX erases my negative credit history with each credit bureau quickly, I will consider the situation resolved without any further actions that could include legal measures. 
15 ) I XXXX XXXX request an immediate remedy from XXXX XXXX XXXX as quickly as possible. 

XXXX XXXX
Product: Checking or savings account

I have been in a battle with Wells Fargo and an on going problem with fraud several since all these data breaches and all these hacks of major companies have surfaced to the public. And I have lost a lot of money and haven't been able to get it back. I have had someone take out almost {$3500.00} out of my account in the past month. I was saving all my tax refund since I didn't get any of the unemployment I was approved for. I don't know if you guys help with that too? I have a major problem there as well, but my tax refund, has basically been taken out and when I got to file a fraud claim, they are trying to close my account then they won't have anything to take responsibility for and I'll just be screwed like I am now. I went to Wells Fargo because of the backing and promise they had to there customer 's. But since the things I've been through, seeing the executive 's being involved in fraud, closing accounts when trying to get problems resolved, they are making the name I had heard from other 's but didn't listen too. I just need help getting back the money that's was there.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX and Equifax credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX  XXXX Open Date XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

611. Procedure in case of disputed accuracy 15 U.S.C. 1681i In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers 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 611 - 15 U.S.C. 1681i 59 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. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

According to the law stated above, the account with XXXX XXXX XXXXXXXX should be deleted due to the account not being mine. I have requested on multiple occasions, most recently of XX/XX/2023 that a copy of the original contract please be submitted to me within the guidelines listed above. XXXX has failed to do this.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to remove these items ( A ). It is not permissible to fail to remove these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  Balance : {$9300.00XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3400.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$580.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Vehicle loan or lease

I purchased a XXXX, XXXX XXXX, XXXX XXXX, from XXXX XXXX XXXX in XXXX Virginia. The vehicle was financed by XXXX XXXX XXXX XXXX XXXX, ( XXXX  ). In XXXX of XXXX XXXX went out of business. It is my understanding that the loan was transferred to XXXX XXXX XXXX XXXX ( XXXX ). All of my information with XXXX  was current including my payments. I have attempted to contact XXXX  by phone and e-mail with little success. I got no response to my email to XXXX. My phone calls were redirected and then disconnected. I was told that they did not have me in their system. 

My title still lists XXXX as the lien holder. My vehicle is listed as repossessed on my credit report. I still have my vehicle. I have not made payments to XXXX  because it indicated that I did not have a loan with the company. They have not sent me any information and have not responded to my inquiries. 

I am an XXXX XXXX on XXXX XXXX with the United States XXXX and my credit report can impact my job. I wanted a new vehicle and could have traded in my XXXX if I could have cleared the loan. The confusion on the lien holder and the fact that the vehicle was listed as repossessed on my credit report meant that I was stuck with it. 
I was also concerned that someone would come and take the XXXX and I would have no way to get to work. I have purchased another vehicle. I could sell the XXXX if I had title or knew who I should pay to pay off the vehicle. Currently my ability to do anything financial is limited.
Product: Mortgage

Ditech Financial LLC who is my mortgage lender was mistakenly paying property taxes to a different parcel number or property with my escrow account for the year of XX/XX/XXXX, this led to having delinquent taxes on my property, placing my property under tax lien. Because property taxes were n't getting to my property, it also caused an escrow shortage on my account. although the delinquent taxes has been settled recently after going back and forth with Ditech for couple of months and dealing with bad customer service, the escrow shortage is still in effect which made my new monthly payment increased tremendously. 

The delinquent taxes has been settled last XX/XX/XXXX, on that same day I did a follow up call to make sure that they will run a new escrow analysis on my account so that my new monthly payment will be re-adjusted. 

I did another follow up call last XX/XX/XXXX a month after the settlement to ask why my new monthly payment still indicates a higher amount and was not re-adjusted. I learned that no escrow analysis was initiated after the settlement. 

Now Ditech is requiring me to pay the new monthly payment which is very high compared to my current monthly payment, the Ditech representative noted that they can not rebalance my new monthly payment until they receive the tax refund. 

This has caused me a lot of stress and loss of time dealing with Ditech back and forth in an ERROR that was not even from my part.
Product: Debt collection

I have been trying to dispute this account since XXXX that has been reporting to my credit. Ive asked them to verify this debt as I have never had an account or done business with this company. 
They have sent me the same documents over and over without properly looking into my dispute to legally verify this debt belongs to me. The documents being sent to me are a bill that is dated XX/XX/XXXX. Ive asked for legal documentation correctly stating this is my account. They have failed to send me what Ive been requesting. A bill is not sufficient documentation to validate this debt. I ask that you remove this off my credit report immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX XXXX XXXX {$610.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

About a week ago I saw my credit score had reduced. XXXX shows this hard inquiry fromSynchrony Bank, who service some types of Amazon credit cards : Name : SYNCBAMAZON Requested on : XX/XX/2023 Location : XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Inquiry Type : Individual I haven't requested credit cards in years, and have not made any new requests. I didn't make this one. I called Synchrony Bank, who confirmed that they have NO data at all for my name, phone number, or SSN, and have nothing that can confirm I ever made a request. They declined to provide any written confirmation of this fact. 

I then called XXXX, who claims that is impossible, and that if the hard inquiry exists, it was from Synchrony Banks systems. The rep straight-up said Synchrony Bank is lying about this. This alone puts it well out of anything I could deal with myself. 

I even got an email, supposedly from Synchrony, about the " status '' of my " request ''. It was this that made me call them, and they said no such request exists. Yet there is the hard inquiry, which XXXX says absolutely did come from them. Here 's the main part of that email : -- -- -- -- -- -- -- -- -- -- -- -- -- Your AMAZON STORECARD online credit request. 


Hi XXXX, Thank you for your recent AMAZON STORECARD credit request. Please click the link below to view our response to your credit request via our secure site. 
View Details Reference Number : XXXX AMAZON STORECARD Credit Services -- -- -- -- -- -- -- -- -- -- None of this could be verified in my call to Synchrony bank. They insisted there is absolutely nothing in systems about this.Again, XXXX says that if there's a hard inquire from them, then they DID make it, and they should have records.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. I'd like to emphasize that I am the one submitting this complaint and there is no third party involved. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : XXXXConfirmation of corrections made to the disputed items. 
XXXXAssurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ). 
XXXXWritten confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

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

After receiving numerous emails regarding hard inquiries, I decided to review my credit report and found several inquiries that I did not recognize and believe to be fraudulent. Consequently, I have filed a report with the Federal Trade Commission ( FTC ) regarding suspected identity theft. The following inquiry on my Equifax report are unauthorized and should be removed. 

- XXXX XX/XX/year>. 

Please take the necessary steps to address this issue promptly.
Product: Debt collection

XXXX XXXX has a collection company named XXXX XXXX XXXX XXXX whom continues to add a debt to my credit report. I have never had a cell phone with their company ever. I have asked for them to remove it and they have never responded to my request. I 've asked the XXXX to remove it and XXXX aka XXXX XXXX XXXXXXXX XXXX continues to report it to them in the amount of {$560.00}. They report that the account was opened XXXX XXXX 2014. I have lived off of the power grid and an area where their services are not offered or available for up to an hour from my home for six years .... I have no need for their services nor have I ever had their services. 
I would like this debt removed. I have NEVER had an account with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of this year ( XXXX ), my income was temporarily affected by the COVID-19 pandemic. I immediately contacted ( by phone ) all of my creditors, including Capital One. Capital One like the others gave me an additional period of time to recovery ( 60 days ), and ensured me that no negative references  would be reported to the credit bureaus. I missed two payments in XXXX and XXXX ( as I did with all my other creditors ) and they reported me ( none of  my other creditors reported me late, with the exception of Capital One ) and my  score dropped 100 points. I immediately wrote them to protest their action, but to no effect. They deny their promise to me that was made and refuse to delete the negative reference on my credit report. 

I have not gone over 30 days on a payment to a creditor since XXXX. I have three mortgages and seven credit cards and take personal credit rating very seriously. Specifically with Capital One, i have had the account since XXXX, have a credit limit f {$20000.00} and and never gone over 30 days. 

When the COVID-19 pandemic first began and I contacted them, I was assured over the phone by one of their representatives that this would not happen and it did. 
I respectfully ask for your assistance to make an inquiry to Capital One on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

A month ago, I contacted Trans Union to investigate a debt of {$6000.00} that appears on my credit report that does not belong to me. The debt is with XXXX XXXX XXXX in Illinois I do not know about this institution, since at least in Puerto Rico I have not seen. 

The first time I heard about this debt, it was 2 years ago that I bought a vehicle and the debt appeared in the credit report but approximately {$700.00} at that time. At that time I sent an email to the XXXX XXXX XXXX   and and they answered an email that they were going to investigate and I did not do anything else because nobody told me what I should do. 

Last month I went to the bank to apply for a personal loan and when they looked for my credit report, the debt had grown to {$6000.00} aproximately!!!. 

I am totally devastated because I am an honest person and my payment history with the institutions in which I have an account is excellent and I have never paid late. Probably someone stole my identity I live in Puerto Rico and have never had contact with XXXX XXXX XXXX. I need you to investigate if there is another person with my same name.