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

In XX/XX/XXXX, my XXXX XXXX was totaled in a hit and run. I was instructed by the finance manager of the dealership that I got the car to not continue car payments to M & T for months after the total loss as it was GAP insurance 's responsibility. My car insurance ( XXXX XXXX ) issued the there payment to M & T in XX/XX/XXXX. GAP insurance was working on the claim and was responsible for the remainder of payments and M & T was aware of that. I have not received any bills, balance remaining statements, breakdowns, final notices, or notifications of the payments made to M & T. I recently was applying for a home loan ( XX/XX/XXXX ) and they had me dispute the M & T loan on my credit report since I knew the balance remaining was not {$12000.00} since GAP paid. After disputing it with each of the credit agencies, on XX/XX/XXXX-XX/XX/XXXX, XXXX, XXXX, and XXXX all updated saying the M & T account was charged off/in collections since XX/XX/XXXX, which I had no notice of. They credit report claims that the amount charged off is {$2500.00}. However, they charged off the amount off {$12000.00}, which, again, was GAP insurance 's responsibility. GAP insurance made their payment on XX/XX/XXXX of {$10000.00}, which is not listed on the credit report either. It states that NO payment have been made since XX/XX/XXXX. Aside from that I was told they couldn't charge off an account if payments had been made, even if it was made by insurance. I, then, didn't receive a remaining balance until XX/XX/XXXX by XXXX XXXX. I've requested a breakdown of these charges from XXXX XXXX, as well, which I have been unable to get from him or anyone else at the company. I've been working with XXXX XXXX, XXXX XXXX, and VP XXXX XXXX routinely since XX/XX/XXXX with no one mentioning this account was charged off. They are aware that I had every intention of paying the remaining amount once all insurance claims were processed. I even offered to pay the balance in full if they would send me a statement of how they got to the remaining balance and for the charge off to be removed from the credit report, as this affected my co-signer 's credit score, too. They denied my request and said although charge-offs can be reversed, they were not going to do so since they feel the bank did nothing wrong. I disagree due the fact that when they charged the account off, I was not forewarned nor had GAP insurance made their payment yet, meaning the financial obligation wasn't mine at that time. I was never offered to set up a payment plan, nor did I receive a final notice. When I finally received my remaining balance on XX/XX/XXXX, I asked for a break down on how they got to that final number, which, again, was denied. They remaining balance does not match what GAP insurance said would be left on the loan nor what I once discussed with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 5 unknown inquiries on my credit report. I have filed with each of the companies and expressed the fraud concern. They have not been removed from my credit report through all 3 bureaus. Investigations pending and being asked to report to FTC.gov for further proof / documentation. 

US BANK - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX via XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I received a fraudulent bank cashiers check from XXXX XXXX last week totaling {$3800.00}, for the sale of my bull. I wasn't initially suspicious about it but then came the red flags. The individual sent extra {$2100.00} was for the cost of the bull and the rest was for shipping. I was advised to pay a different individual with a wire transfer which I did ( red flag # XXXX ). So I wired {$1700.00} to and individual in New Mexico ( the alleged cattle transporter ). The person who I was in contact with wanted me to take a screenshot and show proof that I sent the money which I did. ( red flag # XXXX ) Then the next day, the individual asked me if I already deposited and received the cleared funds in my bank which I told him I did. So then on Saturday ( XXXX ) this guy contacted me saying his father was mugged and beaten up and was going to XXXX  if I did not return his money to him ( red flag # XXXX ) So this guy called me this morning demanding I send him the money and that he as not a scammer and requested I send him the money to another person at a different address. So I just got off the phone with XXXX and they ultimately confirmed the check was fraudulent and they had no record of it. I am waiting right now to speak with Wells Fargo fraud department. I have spent some of the funds already. It seems to me that Wells Fargo should be held liable her before depositing the check into my checking account and verifying it with XXXX! XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Ive contacted XXXX XXXX  directly Ive also filed multiple disputes with credit reports
Product: Credit card

I placed an order with XXXX that was never delivered. 

I tried to dispute this online but that option was not available. 
I tried to dispute this by phone but they have a habit of disconnecting you " accidentally ' after long holds and many transfers. 
I have tried disputing this in writing as well with no success yet. I provided proof that XXXX acknowledged the item was shipped to the wrong address. 

The credit card company is purposely making this impossible in the hopes that consumers will give up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent several request in order to receive my consumer report from XXXX, XXXX and Equifax. However, I have not yet received the requested reports. Please advise me in how to remedy. I have provided the verification documents that were needed in order to fill my request.
Product: Credit reporting or other personal consumer reports

I am sending to address the adverse marks on my credit file that have been attributed to me. While I would willingly acknowledge and assume responsibility for any valid debts, I am unable to do so in this case without Proper Validation and Proof Of Claim. As per the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting comprehensive validation of the alleged debt. 

I seek evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : Complete payment history, as per the precedent set by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Provide a detailed verification by line item, including information on the purchase date, itemized amounts, receipt of goods, and any relevant details directly from the Original Creditor. 
Date of Last Activity. 
Full, accurate social security number that may help to identify me as the correct person you are trying to collect from. 
Agreement that bears the signature of the alleged debtor, indicating the commitment to pay the original creditor. 

The obligation between your company KIKOFF XXXX XXXX XXXX XXXX and me that authorizes the collection of the alleged debt, along with any transactions binding me to an agreement to pay your company. 

Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) presented at the time of incurring the debt. 
Letter of sale or assignment from the original creditor to your company, including any agreement with your client granting the authority to collect on this alleged debt. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ) - information relating to the purchase of a bad debt is not proprietary or burdensome. 
Any other pertinent information regarding the creation of the debt by your collection agency like ( XXXX. Where the debt originated from, XXXX. ) The sum paid by the bad debt buyer for the plaintiff 's debt, XXXX. ) How the total amount was determined, and XXXX ) A list of documents that authorize the collection of debts. )
Product: Credit card or prepaid card

I have made payments on this account from the same bank account many times, and in fact one for a larger amount 5 days prior to the payment in question and another payment yesterday. They held my payment, and my bank confirmed was paid on XX/XX/2018. They refuse to release the payment, unless they get to talk to my bank, they have the money and have had it for days. I requested they release the funds, they say their system updates at midnight, I have patiently waited from the original request on XX/XX/2018 for them to confirm they have withdrawn funds from my bank, which they did, instead of checking to see they received the funds, they want to speak to my bank, and hear all my personal account information for verification. I use different verification tools for different accounts, and would never give them this information, this insecure from my viewpoint, and they have the funds.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX : {$35000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$6000.00} XXXX FIN XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the unauthorized inquiries listed on my credit report, which are fraudulent in nature. Despite my multiple correspondences with your bureau and the submission of the required FTC Identity Theft Report, these inquiries remain on my credit file. 

As a victim of identity theft, I have taken all necessary steps to address this issue, including contacting the institutions associated with these inquiries and providing comprehensive documentation to substantiate my claims. Despite these efforts, your bureau has yet to resolve this matter satisfactorily. 
It is essential to note that the fraudulent nature of these inquiries has been confirmed by the respective institutions, and they have assured me that these inquiries were erroneous and should be removed. Furthermore, other credit bureaus have already acted on the FTC report and removed these unauthorized inquiries from their records. 

Therefore, I am perplexed and concerned by your bureau 's continued reporting of these fraudulent inquiries. This ongoing issue not only undermines the accuracy of my credit report but also causes significant distress and potential financial harm to me. 

According to the Fair Credit Reporting Act ( FCRA ), your bureau is legally obligated to conduct a thorough and reasonable investigation of disputes. This investigation must promptly review all relevant information provided by the consumer, such as myself. I urge you to reinvestigate these inquiries and remove them from my credit report immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX 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: Debt collection

Dear American Express I am writing regarding the account referenced below, which has been reported to my credit file or otherwise claimed to be owed by me. I request validation of this debt in accordance with Section 312 of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Account Name/Number : XXXX : XXXX Original Creditor : XXXX XXXX I require the following information to verify the validity of this debt : 1. Validation of the Debt : Documentation demonstrating that I am legally obligated to pay this debt, including a copy of the original agreement or contract signed by me. 
XXXX. Details of the Account : A full accounting of the amount allegedly owed, including the original balance, all interest and fees applied, and the calculation used to arrive at the total amount. 
XXXX. Ownership Proof : Evidence that you are authorized to collect this debt. 
XXXX Credit Reporting Information : Details on how this account is being reported to credit bureaus, as required under Section 312 of the FCRA. 
In addition to the above, I am requesting clarification regarding any 1099-C ( Cancellation of Debt ) associated with this account : If the debt has been canceled or forgiven, please provide a copy of the IRS Form 1099-C issued for the cancellation of the debt. 
If no such cancellation has occurred, please state so explicitly in your response. 
Under the FCRA and FDCPA, you are required to ensure that all information you report is accurate and substantiated. Until I receive the requested validation and documentation, I request that you cease any collection activities, including reporting the debt to credit bureaus. 
Please consider this a formal dispute of the debt until sufficient evidence is provided. If you can not verify this debt within 30 days, you are required to remove it from my credit report and cease further collection efforts. 
I am requesting all correspondence and documentation to be sent to me at the address provided above. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit card

I saw charges on my account for return check fee. XXXX for payments that didn't go through. I called and asked and they have no idea why all of a sudden my payments weren't going through. I asked them to remove the fees and they had me remove and add my account information again. I did and sent in payment. They refuse to credit back the return fee and now are charging a XXXX monthly fee. High interest rate. Now I can only pay by debit card and they want to charge a XXXX XXXX fee fkr that. I'm don't dealing with them. They will not help me fix it they blame.me and my bank wells fargo. Company is verve XXXX or continental finance. I can not reduce my balance as they stack everything they can to make sure it stays at mixed out. What can I do other than stop paying and hope it doesn't XXXX me already weekend credit as it was to help repair my credit until XXXX  happened and like most I had to use it.
Product: Debt collection

I received a notice of a debt owed in the amount of {$310.00} to Avant llc, whom was included in my chapter XXXX  filing and discharge. I contacted the creditor by phone on XX/XX/2020 upon receiving notice of this alleged debt via mail and the representatives threatened to send law enforcement agents to my residents to arrest me if I did not pay this debt. I feel that I should be protected under federal bankruptcy laws and this creditor should be held liable and punished for contacting me in regards to this debt that was discharged on XX/XX/2020. I also believe this company is selling American 's personal information to terrorist groups that reside in XXXX XXXX and XXXX XXXX territorial regions which has subsequently led me to file a complaint with the financial crimes division at the Dept. of Homeland Security.
Product: Credit card

XXXX XXXX, I noticed on XXXX XXXX that there was an attempt to open 2 credit cards in my name without my consent. XXXX on XX/XX/XXXX from Capital One Bank and the other from a company starting with a XXXX I dont recall the entire name at the moment this was on XX/XX/XXXX. 

Both of these were without my knowledge or consent and have decreased my credit score significantly. Can you please check into this matter and remove these hard inquiries from my credit report as soon as possible. My credit is not in the best condition at the moment and this situation is not helping. 

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

XXXXXXXX XXXX XXXX XXXX and TD BANK XXXX  XXXX/target financing after making a settlement with them, both items supposed to be removed from credit report and its currently showing on my credit. 

Credit were settle and paid and promised to be removed from all 3 credit bureaus.
Product: Mortgage

On XXXX XXXX, 2014, XXXX XXXX of Guid Mortgage issued a Pre Approval Notice ( attached ) to XXXX XXXX and XXXX XXXX. The Pre Approval Notice was issued to aid in purchasing a pre-existing or new home. The Pre Approval Notice was issued for a Loan Type of a FHA XXXX Fixed. This allowed XXXX XXXX and XXXX XXXX ( borrowers ) to purchase a new home to be constructed by XXXX XXXX XXXX XXXX. In mid XXXX 2014, the borrows were told by XXXX XXXX if Guild Mortgage Company, they did not qualify for a FHA 30 Year Fixed loan due to already having a FHA XXXX Fixed Loan on their existing home they were living in. The buyers were told they must sell they home to qualify for the new home being built. This was the XXXX the buyers had heard anything about having to sell there home to qualify for the one being built by XXXX XXXX. In fact XXXX XXXX XXXX had a policy of not building homes if the buyers had a home contingent upon selling. Therefore, the building would have never been initiated without a the Pre Approval Letter stating we qualified for a FHA 30 year Fixed loan. There were no pre conditions listed we would have to sell our existing home. We had given the title company {$14000.00} in earnest money to build the new home. If we attempted to terminate the contract we stood to loose the {$14000.00} and possibly more. We finally qualified ( with a couple of weeks or less before closing ) for a conventional loan and would have to carry both the old and new mortgages unless we were able to sell the existing home. In order to qualify for the conventional loan, we spent {$6000.00} from savings in an attempt to qualify and keep our automobile. This process did not work. So we had to sell our automobile back to the dealership for a {$8000.00} loss and we had to pay approximately {$5000.00} extra in closing costs so our debt ratio would satisfy the underwriters. We still have not sold our old home and have been paying an extra mortgage payment, utilities, etc.. We have lost an additional {$4200.00} dollars and are in the process of selling the home. To sell the home we had to lower the price to a point where we will be losing approximately {$18000.00} to close the deal. 

None of this would have taken place had Guild Mortgage Company and XXXX XXXX XXXX been honest and issued the correct Pre Approval. Recently, ( within two weeks ) I called and talked to XXXX XXXX and asked why he did not know we did not qualify for XXXX FHA loans. He informed he did know and the only reason he wrote the Pre Qualification Notice the way he did was due to XXXX XXXX of XXXX XXXX XXXX telling him she could sell the house anytime and therefore the loan type would not make a difference. We the buyers never agree nor knew of these dealings behind our backs. 

Please consider this most disgusting act committed against XXXX XXXX persons and take the appropriate actions you deem necessary to provide us with some help. Thank you for your time. If you need more information, feel free to contact us via telephone, email, or letter.
Product: Mortgage

On XX/XX/XXXX, I sent letter to SLS Dispute department to inquire details of the 2nd mortgage that I previously had with XXXX XXXX. They are charging me an interest amounting to {$160000.00} on top of the original loan of only {$170000.00} which has a principal balance of {$170000.00}. I needed so sell the house and pay the {$330000.00} to release the lien on the property. I wanted to know why and how did they calculate the interest of XXXX and what interest rate they used. when was the loan transferred to SLS from realtime solutions and from XXXX. Why is the interest almost amounts to the original loan. I will attach a copy of the letter that I sent them,
Product: Debt collection

Cherry Technologies is listed on my 3 Credit Reports with different dates, and amounts this is fraudulent identity theft and needs to be deleted immediately they are not Accurate and need to be deleted from all 3 reports it violates my consumer rights and reporting laws. Delete immediately and update my Consumer Reports today. 
XXXX XXXX
Product: Mortgage

I went to purchase a new house using WellsFargo which was my current loan holder. They had pre-approved me for the new house loan. As we started the process, they sent me an email on FHA Loans and after taking the test, I would be able to receive {$750.00} credit towards my closing. After taking the test and sending Wells Fargo all the documents they needed, they informed me they needed more information due to a large check that was written off of my account. After providing explanation, everything seemed to be going great and I was set to close. Two weeks before closing they told me they couldn't approve my loan unless they got more documentation to confirm the check amount and why it was paid at that time. I talked to the HOA and they provided documentation that was needed. All the information that was asked, I provided and they told me a few days later, they were denying my loan. All this started on XX/XX/XXXX and my close date was XX/XX/2018. On XX/XX/XXXX, the loan was officially denied. When all this occurred I started working with a new loan company and never had a problem with this process. I feel like there was some discriminatory actions that was taken against me in denying my loan. My credit is great and payment history in the past with Wells Fargo has been top notched. Never missed a payment nor was I ever late. In fact I always paid extra. The emails that were sent to me seemed very degrading and to the fact that I was not good enough to get a loan through Wells Fargo.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX  XXXX ...., XXXX XXXX XXXX XXXX ...., XXXX XXXX XXXX XXXX ....