23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This matter is regarding Fidelity Creditor Service claiming that I owe them XXXX for a debt in which they said they were handling for a client. I called the and told them that the amount was incorrect and I wanted paperwork showing the amount breakdown. The Representative named XXXX did not want to send me paperwork. He was being rude and condescending pressuring me to settle without providing me proof of charges. He then claims that I agreed and was acknowledged about the new charges in which I have no email and correspondence from Fidelity. I look the company up on XXXX CA and it shows as a dissolved company which I feel like they are committing fraud and attempting to collect more then what I owe. They did not acknowledge me when I asked for the debt in writing. I emailed them XX/XX/21 asking for paperwork or a contract stating that I owe them that estimation of XXXX. 




On XX/XX/21 I called The original creditor which was XXXX XXXX XXXX and spoke to XXXX XXXX they informed me that I owed XXXX. The amount is totally different from the amount the collection agency told me. They never acknowledged me about the amount I was never sent any paperwork from the company Fidelity
Product: Checking or savings account

Trying to use XXXX XXXX and they are taking too long to send information that 's been requested
Product: Vehicle loan or lease

Loan was paid off in XX/XX/2023. I never received title or lien release letter. They said they sent it so I asked to receive a copy of it. They told me it would take XXXX days to receive. I spent over 2 hours on the phone with chase, escalating to supervisors. Was told first they do not keep copies of lien release letters, which is in violation of XXXX. Then told they would fax me a copy of the loan payoff letter, which does no good but I will take that. I was informed it would be faxed today. As of noon, no fax and no payoff letter. I can not sell this vehicle without lien release letter. Chase never released the lien. 

When I followed up with Chase auto to find out status of loan payoff letter, woman told me it would be faxed sometime today, even though I informed supervisor it was needed prior to XXXX XXXX I told the woman I was remaining on the phone until I received the letter. She hung up on me.
Product: Mortgage

My mortgage was transferred from XXXX to Carrington in the middle of a loan modification that would take my payments from {$860.00} to {$740.00} and extend my loan payoff date to 40 years instead of 30 years. XXXX negligently did not complete the process before selling off my mortgage and Carrington negligently has refused to respond to my emails asking for a letter verifying they were working on my loan modification. Carrington has only sent me letters of intent to foreclose and when I call them and ask them why they tell me not to worry and that they are still working on the loan modification, but still refuse to give me that reassurance in writing. 

So at the end of the day, all I have are letters stating I'm about to be foreclosed on. 
Nobody knows where in the process my loan modification is. 
Everybody keeps says 'if I did what I was supposed to do on my end, everything will be ok '. They refuse to acknowledge that they are modifying my loan in writing. 

If I have to file for bankruptcy to stop a foreclosure I will take Carrington to court for pain and sufferings.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against CashApp ( Block, inc. ) due to inadequate customer service and unfair practices, which violates the Customers Financial Protection Act ( CFPA ). Specifically, Cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. these actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IN XXXX XX/XX/XXXX Last 4 of SSN : XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern, I am requesting the immediate unfreezing of my credit file. 

My name is XXXX XXXX My current address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX IN XXXX The last of digits of my Social Number is XXXX My date of birth is on XX/XX/XXXX I have enclosed photocopies of a government-issued identity card AND proof of residence as a utility bill or phone bill. 
Attached is the required documentation. 

I acknowledge the terms and conditions of the Bureau and we agree to abide by the same including any amendments in the future as may be done at your end. 

I am looking forward to your cooperation regarding this matter and updating the same intimate upon change. 


Yours truly, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am appalled by the ability of the Credit Bureaus to pay no mind at a consumer 's requests despite 15 dispute letters written to request the removal of the disputed fraudulent information from my Credit report. I have read the Credit Buirueas are bound to comply with the FCRA section 605b and verify the authenticity of the disputed accounts per consumer 's requests. But in my case, The Credit Bureaus have done nothing! Neither they respondead to my letter nor completely removed the disputed items from my Credit report! I am submitting this complaint to protect my rights which is clearly being violated by the Credit Bureaus. If the Credit Bureaus still indicate the disputed items on my Crediet report for the next update, it leaves me no choice but to pursue legal action and sue the Credit Bureaus for the damages done on my Credit File. I need the following items removed as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXB XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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 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 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: Credit reporting, credit repair services, or other personal consumer reports

this company continues to list an amount not due constituting fraud furthermore the original debt was paid over a year ago to the original debtor XXXX XXXX XXXX and XXXX is not entitled to a collection fee since they did not collect the debt, this has already been removed from XXXX and XXXX at least once or twice but has continued to reappear furthermore the dates are also incorrect considering i opened this account in XXXX of 2013 and was closed as of one year ago last XXXX
Product: Debt collection

To Whom this may concern : I sent COMMONWEALTH FINANCIAL SERVICES numerous dispute letters and as of XX/XX/2020, COMMONWEALTH FINANCIAL SERVICES continue to report negative information to my credit report and I proof that my last dispute letter was received on XX/XX/2020. 
This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit report ( including XXXX, XXXX XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit report. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX charged this collection off and sold to XXXX XXXX. The account has been in full. XXXX XXXX has deleted this account with XXXX but not Equifax or XXXX. Im trying to buy a home and it has been over a year that this account should have been deleted. Remove this account immediately because its hurting my score with false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I leased a car from GM financial the amount for each month was supposed to be {$330.00} and when I received my first billing statement it said the amount that was due {$310.00} and including The payment coupon at the bottom of the statement it said {$310.00} when I logged in and setup the auto payment it showed for {$310.00} thats the only option I had so I set it up and thought that they made a mistake the first time and the current amount was XXXX and I didnt think anything of it I pay all my bill with autopay so I just forgot about it and a few months later I see a late payment on my credit report they never tried to contact by phone or mail they said they emailed me but I never got it So I called them to try to fix the problem and they told me that was a mistake that the bill was sent for that amount it was their mistake so I paid the pasted do balance and brought it up to date and they said they will remove that late payment inquiry off of my credit report and which they never did! And also when I leased t my car from them I returned a car and they were supposed to waive the disposition fee because I was leasing from them again they didnt do that either and reported a late payment fee again on my report and I returned the car the same day as I received the new one after going back and forth with them they did waive the disposition fee but still have a late payment on my credit report so I have 2 late inquiries from them on my report and I never had a late payment before I always pay everything on time and I keep calling them to remove it but nothing is getting resolved. And Im trying to purchase a home this has effected my credit big time that Im having a hard time getting approved please help me resolve this issue
Product: Credit card

Someone used my personnel identity to open a credit card account with PayPal. They used the money to purchase somethings. I received the statement of account from PayPal and I contacted PayPal and PayPal confirmed to me that they treated it as a fraud. That someone used the credit card on XXXX XXXX, 2015 and early XXXX 2015. Paypal declined the XXXX transaction.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to provide an update on my ongoing efforts to correct a late open account listed on my credit report. Despite numerous attempts, this inaccuracy persists, and I am seeking further assistance to resolve this matter. 

I have submitted disputes, provided supporting documentation, and engaged with creditors and credit reporting agencies to address this issue. However, to my dismay, the late open account remains on my credit report, negatively impacting my creditworthiness and financial standing. 

This persistent issue has caused significant stress and hardship. It is imperative that this inaccuracy is promptly corrected to ensure the fair and accurate reporting of my credit history. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$10000.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$3100.00XXXX 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: Payday loan, title loan, or personal loan

Loan was initiated on XX/XX/XXXX for {$7400.00} with XXXX XXXX in XXXX XXXX, MO which became One Main Financial. In XX/XX/XXXX, experienced financial difficulties and contacted XXXX XXXX XXXX. They were responsible for negotiating the interest rate and payment amount with creditors including One Main. After one year with XXXX, we got back on our feet and began making payments to One Main our selves. It was later on that I noticed that all of our payments were going to interest. I have contacted the company twice and they seem unresponsive with all my payments going to interest. As of XX/XX/XXXX, the balance on this loan is {$5400.00}. I have made over {$17000.00} in payments. The total amount of payments on the original contract is {$15000.00}. I have been late on some of my payments but this amount seems ridiculous. I have had XXXX XXXX, I have XXXX, and I can not work. I submitted a letter to One Main asking for some compassion with this issue. But they refused to do anything. So I decided to contact you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted more disputes than I could count on one hand with Transunion credit bureau over the past XXXX months regarding incorrect reporting on my credit report from a company named XXXX XXXX. Transunion is clearly not looking at the documents I'm sending them that prove that XXXX XXXX is falsely reporting on my credit report. I sent Transunion payment history from XXXX XXXX themselves that shows they have been paid on time, transaction history from XXXX XXXX that shows XXXX XXXX has and is getting paid on time, and copies of my credit report from all three credit bureaus that clearly show that XXXX XXXX has reporting issues. For example, they're reporting to XXXX credit bureau that I've been late paying them for one month, and to the XXXX and TRANSUNION credit bureaus for XXXX months. Transunion really needs to take a hard look at what I'm sending as proof that XXXX XXXX is totally incompetent and falsely reporting on my credit report. Bottom line up front : XXXX XXXX has been getting paid on time every time via my XXXX XXXX card, set on automatic, and recurring payment with XXXX issues since they took over for the previous company, XXXX. You tell me how a payment can be late if it's set to automatic reoccurring payments. If someone would just get off their behind and call XXXX XXXX, this could all be resolved. Transunion is simply passing what I have to say XXXX XXXX and they are simply replying that they are responding correctly, and that's not correct, they're reporting falsely. Transunion needs to verify that this is correct and not just accept what XXXX XXXX has to say without verifying any of their reporting. All I'm asking for is that Transunion take the time to look at my documents, and they will see that XXXX XXXX is wrong. Please call XXXX XXXX to verify that the payment was setup for reoccurring and automatic payment ; therefore, the payment was and has never been late. If the payment was ever late, it was because XXXX XXXX didn't do their job and initiate the payment on time. Please clear this inaccurate and false reporting from my credit report. This is not okay. Furthermore, I was never notified in any shape or form about any late or missed payments EVER by XXXX XXXX. I wouldn't expect that to happen anyway because I had the payment set up on automatic payment. The sole reason I set up the payment was so that the payment was never late and a payment wasn't missed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, # XXXX, # # # XXXX, # XXXXXXXX XXXX, # # # # # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX, # XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXXXXXX XXXX violated my rights.

SEC 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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Student loan

After several years of loan repayment, I found that I was eligible for a XXXX program, as I am now a state employee. I filled out the paperwork and my loans were transferred to Fedloan. Before a payment was due, Fedloan immediately put my loans into default with the XXXX. I assume this was a mistake on their part and after several conversations with them, they tell me basically that their is nothing they can do. My loans, that I have been paying on for over 5 years are now back in default.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three accounts on my Equifax report that are not mine they were never signed used or opened by me and I have disputed these accounts on XX/XX/2021 well I have not received anything back from the bureaus or the furnisher regarding this identity theft matter and I need help with this please. 


XXXX XXXX - Acct # XXXX Amt {$16000.00} XXXX XXXX - Acct # XXXX XXXXmt {$2900.00} XXXX XXXX - Acct # XXXX Amt {$12000.00}
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX RE : Disputed Account # XXXX Account # XXXX .... I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}. I am a victim of identity theft, and I did not make or authorize this charge an account was placed under my name erroneously. Since then, LVNV FUNDING has damaged my name, and my credit LVNV FUNDING has entered derogatory information into my credit file. I should not be responsible for LVNV FUNDING mistake. LVNV FUNDING has resource to enable accurate information about the clients inquiring new services. LVNV FUNDING allows an account to be placed under my name erroneously. LVNV FUNDING should verify all information prior to approving any application 's for services.
Product: Mortgage

In the process of purchasing a home my appraisal was for XXXX parcels but my loan documents and deeds only include XXXX parcels. I am paying for XXXX XXXX  XXXX acres of land but I only have deeds for XXXX sq ft. I have tried reaching out to loan servicer but I have not been able to speak to a live person. I have only been offered a chat line. 
The chat person does not understand what I am saying. 
The seller thinks the XXXX acres that was appraised with my home belongs to her and is planning to build on it very soon. I need this cleared up as soon as possible.
Product: Mortgage

I was about to be in default on my mortgage in XXXX. I went into debt program with Regions Mortgage where payments were stopped and placed on the end of my loan for a duration of time. The program started but they did not stop making derogatory marks on my credit until late into the program. They eventually fixed the problem but they did not go back and correct the already affected months of reporting when I was actually protected by the debt program. I reached out serveral time to have my payment history corrected but they always reply by saying, there is nothing they can do. But we all know this is a lie.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX Date of inquiry : XXXX  As a consumer by law this account must be deleted immediately 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law this account must be deleted immediately XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX As a consumer by law this account must be deleted immediately XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX As a consumer by law this account must be deleted immediately XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX As a consumer by law this account must be deleted immediately XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX As a consumer by law this account must be deleted immediately XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX As a consumer by law this account must be deleted immediately