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

Re : Dispute of Inaccurate Debt Information and Identity Theft Due to XXXX Data Breach ( XXXX ) To Whom It May Concern, I am writing to dispute and request the removal of inaccurate information from my credit report, as well as to address an instance of identity theft resulting from the XXXX data breach of XXXX. 

Regarding the inaccurate information on my credit report, I have discovered discrepancies related to the account details foXXXX XXXX # XXXX. Specifically, the date last active and the date reported are inaccurately listed. According to my records, the account was last active on XX/XX/XXXX and reported on a different date. These discrepancies are in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681 Section 604 A Section 2. This section mandates that consumer reporting agencies can not furnish information without the consumer 's written instructions. I have not provided consent for the inclusion of this account on my credit report, nor have I authorized its furnishing. 

Furthermore, I have been impacted by identity theft as a result of the XXXX data breach of XXXX. Criminals exploited the compromised data to fraudulently obtain mobile services from XXXX under my name. This has led to unauthorized accounts and charges on my credit report, causing financial repercussions and personal distress. 

In response to these issues, I request that the inaccurate account information for XXXX  # XXXX be promptly removed from my credit report. Additionally, I urge XXXX and the credit bureau XXXX XXXX XXXXcessary measures to address the identity theft incident and prevent further misuse of my personal information. 

Account Details : Creditor : XXXX  Account Number : # XXXX Amount : {$880.00} I request that you conduct a thorough investigation into both matters and provide me with a written response detailing the actions taken to resolve these disputes. Please send all correspondences regarding this matter to the address listed above. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in updating the accounts on my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. This discrepancy is due to an error and seek your immediate intervention to rectify it. Also, I contact the companies thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my accounts and take the necessary steps to update them on my credit report. 


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 2013 XXXX XXXX XXXX emails were compromised. Several years ago I received emails from from XXXX citing a " settlement '' of credit report monitoring via Experian XXXX. Recently, Experian XXXX contacted me via email stating that they had resolved the settlement and to sign up for credit report monitoring. After applying for numerous jobs and constantly being denied, I did. Then, I started to get " alerts '' that my phone number, drivers license, etc was " found on the dark web ''. I was in the process of applying for a job via XXXX Staffing. The contact there was XXXX. Her number is XXXX. The job involved a FBI level background check and I went to have my fingerprinting done XXXX day, followed by a background check another day. At the same time, I received the alerts from Experian. After reading their " report '', I was appalled and shocked to see court records that were untrue. Loans I did not take out. Every aspect was compromised. I assumed it was true, as my XXXX email had been compromised and subsequently included my XXXX student email, which seems to also be compromised. I have applied for both Covid rent help and now recently Rent help. Both redirect to Neighborly software. These " rent help '' services are further being promoted on the local news and by the City Mayor. To add to that, and having said that, the news continually promoted an Expulsion Expo which I also applied for. I received a response from the County Clerks office stating I was considered, but things were " on hold '' pending Covid in person proceedings resuming. Things about my identity are SO compromised, it makes ones head spin and unsure where to even begin. So, upon filing multiple reports to this and other Federal agencies, I have no recourse but to physically go to the FBI tomorrow and I will be providing them with these reports as well as other fraudulent activities. I am a good human. I need my identity restored and redeemed. I need reputable employment. It is extremely concerning given everything I have said above.
Product: Debt collection

Amsher Collections is attempting to collect a debt that is owed to them by a business I was previously employed by for a cell phone account. I have attempted to contact Amsher by phone at numbers provided and on their website which ring as if a personal phone and nobody answers. I sent email correspondence which was never replied to even attempting to settle debt that is not mine. I have requested debt validation which was never received. They have told me to call original creditor who then tells me to call collections agency so I am unable to get in touch with anyone who can give me solid answers and provide a resolution to this credit matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in contact with my bank regarding my mortgage loan since XX/XX/XXXX after reviewing my credit reports and showing they are not submitting payments that are being made on my mortgage loan. I have contacted the company more than several times over the course of the past 5 months. Yet, they still have not updated the three credit bureaus with corrected information regarding payments that I have made, also they have yet to reinstate my credit score. Which is desperately hurting me financially in many ways and continues to lower my credit score even  further. I have brought this matter to XXXX corporation many times over the past 5 months. I have even recently contacted all three credit bureaus in which. Only one has received any updated information. That information is still not submitted correctly by XXXX. I have been given the run around and the issues still have yet to be corrected by XXXX. I even contacted them this morning in which they stated everything had been submitted, corrected. Yet the credit bureaus stated either the information had not been submitted yet. Or is still incorrect. I also have yet to get my credit score reinstated as XXXX should legally be doing after they failed to report payments made on my mortgage loan since XX/XX/XXXX. I have done everything in my power to get the company to fix the issues on my credit. However, it goes absolutely no where and causes myself and my wife more stress and wasted time sitting on the phone. I am now asking for your assistance in this very important matter. Thank you, XXXX XXXX
Product: Consumer Loan

I have repeatedly asked Skopos financial Not to call me or my references. They have ignored 3 documented requests to ceases and desist all phone calls. Guilty of several violations they have agreed to defer payments to passify me and avoid lawsuits! They continue to take advantage of a loop hole in Missouri law! This is causing me to have health issues because of the XXXX and embarrassment I am suffering because of their inconsiderable acts! Please help me!
Product: Credit card or prepaid card

I AM VICTIM OF AN IDENTITY THEFT, THE DISCOVER CREDIT CARD ON MY CREDIT REPORT WAS OPENED AND MAINTAINED WITHOUT MY CONSENT. THIS ACCOUNT IS NOW CLOSED WITH XXXX BALANCE. I HAVE NO IDEA WHO HAS PAID. I NEED THIS FRAUDULENT ACCOUNT TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY. I HAVE NOT AUTHORIZED ANYTHING ON THIS ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX, XXXX, {$1800.00}. Dispute it, looked in to however they failed to remove it
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/year> To : Credit Bureaus ReDispute of Charge Off Account # [ XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, ] Dear Sir/Madam, I am writing to formally redispute these charge-off entry listed on my credit report for the account referenced above. I believe this information is inaccurate, incomplete, or unverifiable, and I respectfully request an investigation under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i.

As per 15 U.S. Code 1681i, I have the right to challenge any information that I believe is incorrect. I request that you investigate this charge-off and verify its accuracy, ensuring compliance with the Metro 2 reporting standards. According to these guidelines, there are strict formatting and reporting requirements that must be adhered to in order to maintain the integrity of the information reported. If this account does not comply with Metro 2 standards or can not be verified, it should either be corrected or removed from my credit report.

Additionally, under 15 U.S. Code 1681s-2, the creditor ( or furnisher ) of this information has a legal obligation to report only accurate and current information to the credit bureaus. If they are unable to provide adequate documentation to validate this charge-off or meet the Metro 2 compliance standards, I kindly request that this entry be removed promptly.

I urge you to treat this dispute with the utmost priority and provide me with verification within the legally mandated 30-day timeframe. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card

I had emergency dental work done. I asked the provider if I could pay over time. They signed me up with Commenity Bank. I had problems with the work the dentist did. At the last minute, before going under general anesthesia, he recommended that he make XXXX XXXXXXXX  for the XXXX XXXX XXXX he did. I reminded him I was moving to XXXX, and would this be a problem. He said no. Once I moved to XXXX  XXXX very reputable dentists said they could not set the XXXX due to insurance laws. Also, they were worried because XXXX of the XXXXXXXX XXXX cracked within a few days. I went to both the dentist and the Credit Card company with the problem. The dentist claims he delivered all the services, which he didn't. I can't get the Credit Card company to go after them. They are not accepting responsibility for the problem, which is not my doing. I sent them a check for all of the work that was done, subtracting the amount of the XXXX XXXXXXXX XXXX. I put " Payment in Full '' on the back of the check. They cashed it by converting it to an electronic payment without my permission. Since the beginning, I have sent the bank XXXX or XXXX letters. They refuse to do anything. Now they reported me to the credit bureau because I will not make any more payments.
Product: Debt collection

I returned a call from creditors specialty northwest incXXXX on XX/XX/22 and advised of a debt with my daughter for a rental. I was told, after the person went through a list of names before getting to my daughter, that they had spoken to her on XX/XX/22 about a settlement and that my daughter stated that she was going to look into getting a loan. I was then advised that I was going to be affected and that her boss told her not to play around with us and he would just sue us. I ended the call at that point, sent an email to request a conversation with her boss and am now filing a complaint for being threatened.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. XXXX and remove it. 
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 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 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: Money transfer, virtual currency, or money service

I requested for a XXXX transaction to be cancelled on XX/XX/2024. The XXXX transaction took place on XX/XX/2024. I was scammed into sending money to an account in exchange for concert tickets, the individual did not send the tickets and ending up taking my money. After speaking to an individual in the claims department on XX/XX/2024 ; I was told that the transaction was successfully canceled and that I would receive all of my money back by the end of the day. However, by the end of XX/XX/2024 the money was still not back in my account. I then called back and spoke to a supervisor in the claims department the following day, XX/XX/2024, who then told me that the transaction failed and I would receive all of my money back into my account in XXXX days. After having waited about a week no money was put back into my account. I then called back and spoke to a different supervisor in the claims department on XX/XX/2024 who then informed me that unfortunately they do not have the ability to cancel a transaction and that I was misinformed. I then spoke to the XXXX of the claims department who reiterated the fact that I was misinformed and told me there was nothing they could do. I then asked if there was any way I could be reimbursed the full amount due to the fact that I had been continuously misinformed and deceived by workers in their department, she refused and told me there was nothing that could be done.
Product: Credit card

I was exploring options on my credit card account because I was 1 payment late for the first time. 33 days late. I was exploring the credit card relief programs, just to see what it was. Of course, I explored it all the way through and ended up closing my credit card account. XXXX hours later ( because that's when the account said it was closed ), I called Wells Fargo, telling them that I had no idea that the card was going to close forever, and that I wanted it reopened. They ended up saying that it's on line XXXX!! that the card was going to close. Line XXXX!!! That should be online one! And it should be in big red bold colors. Better yet. It should be right above the button that closes, supposedly closing the account. Ok, fine I made the mistake of exploring their options, but when I called, they also said that I had to request to re-open the same day. After XXXX I believe my time has passed. Who does that? Why not operate on XXXX hours for that. Seems more logical. 

I can only be reached at XXXX for now. 
After the XXXX I should be able to be reached at my regular number that wells Fargo has on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went through my Experian and I did not authorize the inquires stated in the letter I submitted and this is in direct violation of the Fair Credit reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

The sezzle XXXX Account payments were rescheduled due to covid. Agent said payments were pushback 6 weeks and no penaltys will be held. 
This company started credit reporting negative incorrectly. Has made account late. Has inadequately reported incorrect balances. Has has reported incorrect balances different months or available credit.. First reported as loan then later changed to credit card. 
When trying to communicate agents are not helpful and rude. This company should be ashamed
Product: Debt collection

I have paid XXXX the amount I owed them twice already of {$310.00}, each time to a different collection agency. Now, three years after i paid off the last collection agency I received another collection letter that I owe them another {$310.00} and this is a third different collection agency. I do not owe XXXX any more money.
Product: Debt collection

I do not have any debt from XXXX XXXX XXXX company and am not even a customer, but somehow some debt collect companies kept attempts to collect debt and report to XXXX credit bureau.
Product: Checking or savings account

I contacted Bank of America as soon as I realized my personal information has been compromised. From the beginning, I was not offered fair and just assistance. I feel that Bank of America wrongfully discriminated against me and refused to assist me in this sensitive matter. I was able to get the copy of the fraudulent checks that were deposited into the account by the scammer. It was very clear that I was not in the state of Illinois when these checked were deposited, nor is my signature on the fraudulent checks. Instead, Bank of America did not investigate, closed my account and reported the account as fraud to XXXX  and XXXX XXXX XXXX. This was unfair and discriminate behavior to a very long standing customer. The only resolve is to have my XXXX XXXX XXXX report clear of their Bank of America erroneous entry.
Product: Checking or savings account

I opened a joint account ( XXXX  ) with my wife a couple of months ago. 
Marcus by Goldman Sachs decided to closed our account unilaterally and sent a letter on XX/XX/XXXX confirming the account closure. 
Since then I've called several times trying to understand where the money is, every time I call they say that either the money is going back to the funding account or that they are going to be sending a check. 
In different occasions they have also confirmed that they already sent the money back to the funding account and that is the other bank 's fault, other times they have confirmed that the balance would be sent in a check but it's still in process. Every time we call, every person says something different, on the last call, they stonewalled us and decided to not provide any other information for " security reasons ''. At this point they are refusing to provide more information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to XXXX and disputed fees. I then advised AFNI that the charges were wrong on the account and advised I am disputing the balance and I want all reporting to cease and desist as it is improper. They still refused to work with me and for months they have reported a bad debt to my credit bureaus report and they argued that they could not remove the wrong reporting.. Stating they had rights ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is in violation of 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) ( B ) ( i ) ( ii ) - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

TransUnion is violating federal law under 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) ( B ) ( i ) ( ii ) by not removing the inaccurate accounts from my credit report. Please see the attached dispute letter. Dispute letter was mailed certified on XX/XX/22 under tracking # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I explained to the company that this is not me not my name or address on the account someone used my social security number to open a XXXX XXXX account.
Product: Consumer Loan

I had a very rude person from Pay Pal Collections call me today, asking what the reason was I had n't paid my account in over 30 day. She said I was over 30 days late, which is not true. I told her the last payment was XX/XX/XXXX and she said it was 30 days past due. I missed my payment on XX/XX/XXXX that was 9 days ago. I told her it was 7 business days late. She was so threatening rude, kept cutting me off, and told me that Pay Pal would take money from my checking account, and that I owed an extra {$35.00}, Then, she had the nerve to tell me I 'm always late, I have n't been in 6 months or more. 
She asked me why I charged up over {$700.00} if I was n't going to pay my bills on time, and that my account would be closed if I did n't pay today, because it is so behind. NO delinquent notice sent. She also told me that if I did n't pay her, that she 'd keep calling until a payment was made. She kept mentioning the last XXXX numbers of my checking account, and saying I HAD to give her a payment. 
When I asked her what her name was, she said " I already told you ''
Product: Mortgage

I am a XXXX XXXX XXXX, rated at XXXX  %, XXXX and XXXX. My VA paperwork was filed with my home XXXX and my mortgage carrier, Freedom Mortgage over a year ago, and gratefully, the paperwork was processed correctly. This year, Freedom Mortgage says my esgrow for taxes and homeowners insurance is going up, so my payment Is going up, unless I pay the escrow shortage in full. I paid the escrow shortage in full by check on XXXX, check # XXXX for {$930.00}. The check was processed, and my mortgage account was updated. So ... .Freedom Mortgage STILL raised my mortgage on me. I called them, and a lady from Freedom e-mailed me back saying my mortgage increased bec taxes and homeowners insurance went up. Not only is this shady, I paid the escrow shortage in a very timely matter to avoid any increase in my mortgage going up. Plus, I DO NOT PAY PROPERTY TAXES ANYMORE. I am in great standing with my VA mortgage, never missed a payment. This style of business, is quite frankly, XXXX!
Product: Credit reporting or other personal consumer reports

Hi there, I hope you're doing well. I recently noticed some errors on my credit report, and it's honestly causing me a lot of stress. These inaccuracies are really affecting my financial goals and preventing me from moving forward. Ive been facing rejection on credit applications because of them, and it's becoming overwhelming.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please do not mark this issue as a duplicate. There have been updates to my report so this complaint is based on the updates, so it is an entirely new complaint. 

It looks like we are making progress because now Hyundai at least corrected how they were marking my account as delinquent for the time period before receiving the invoice! They also finally applied a payment to my account. The problem is that there are still negative remarks that do not apply. Please see attached documentation and do not simply take Hyundai 's testimony as fact- they have a documented history of making false remarks on consumer credit reports.