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

I hope this email finds you well. I am writing to urgently follow up on our ongoing efforts to address the fraudulent items that have been detected on my account. 

Despite our previous discussions and your assurances of resolving this matter, I regret to inform you that the fraudulent items have not yet been removed from my account. This situation is deeply concerning and requires immediate attention to prevent any further financial harm or compromise to my account security. 

Therefore, I urgently request that you prioritize the removal of the fraudulent items from my account and provide me with a detailed update on the progress of your investigation into this matter. Additionally, I expect transparency regarding the steps being taken to enhance security measures and prevent similar incidents from occurring in the future. With this, I am asking for your assistance to remove these accounts in my credit file : XXXX XXXX XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$110.00} ; XXXX XXXX XXXX  XXXX Balance : {$2400.00} ; XXXX  XXXX Balance : {$4000.00} ; XXXX XXXX XXXX XXXX, NJ XXXX.
Product: Mortgage

While talking to a mortga ge specialist on the phone from Quicken Loa ns we were interrupted by his supervisor. He proceeded to quote me a rate of 3.75 %, and was asking for my credit card #. I was not willing to engage without this being in writing. He did not inform me that this rate also had  XXXX  points for {$3400.00}. This is not acceptable to me an d may be fr aud. After complaining to this supervisor for failing to inform me about the points, the discussion became heated. I asked to speak to his supvervisor who told me this was not intentional. If not for me asking I would have been charged to proceed with a transaction that was verbal, and at no time was I informed what I was paying for. Their solution to this issue was to apologize several times, and to offer me a {$500.00} voucher for any future business I do with these glorified used car salesman. This also is not acceptable to me. I look forward to hearing from you on this matter. Thank you.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 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. 
SYNCB/WALG XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2600.00}
Product: Debt collection

In XXXX I had back XXXX and I was unable to work. The pain was so severe I had to move out of my apartment. When I moved, all XXXX XXXX XXXX equipment was returned to XXXX XXXX XXXX via XXXX as they instructed. I was shocked when I found out that XXXX XXXX XXXX was claiming that I still owed money. I asked them to provide a bill breakdown of what was owed when I returned the equipment and paid everything owed to them. To this date, they never provided a breakdown and forwarded the alleged outstanding balance to a debt collector, CREDENCE RESOURCE MANAGEMENT # XXXX, {$440.00} alleged amount owed. 
I am now trying to buy a home and this account is damaging my credit score. My loan originator and I called the debt collector today, XX/XX/XXXX,, XXXX and informed them that I was buying a home and they were reporting an alleged debt that I disputed already with XXXX XXXX XXXX. I spoke to XXXX XXXX and then XXXX, his supervisor. My loan officer informed them that they were affecting the interest rate I would receive by reporting an inaccurate account on my credit report. They refused to delete it even though I returned all the items to XXXX XXXX XXXX. This is going to make me pay a higher rate and have to pay more at the closing table for the rate. I don't owe this money and the debt collector has no right to report on my credit report because CREDENCE RESOURCE MANAGEMENT is not a creditor and has never provided to me any type of credit. They admitted as much in the call and they also admitted that they can not allege the amount owed because they are not the creditor and they did not even have the information that this was already disputed over the phone with XXXX XXXX XXXX. I do not owe this money and CREDENCE RESOURCE MANAGEMENT is trying to extort money from me by reporting an inaccurate account to the credit bureaus. If they have done this to me, they are doing it to others.
Product: Credit reporting or other personal consumer reports

Dear Equifax, I am writing to formally request that my dispute ( confirmation # XXXX ) be reviewed by a human, not an automated system. Your response indicates that the public record item ( bankruptcy ) on my credit file was verified, and XXXX was identified as a third-party source. However, upon contacting XXXX directly, they confirmed they do not contact bankruptcy courts or verify such information through any official channel. 

XXXX has initiated the process to remove the false information from their records ( Case # XXXX ) based on the evidence I provided, including a letter from the bankruptcy court stating they do not provide personal information to Equifax or XXXX. I also submitted this documentation to XXXX, which led them to confirm the information would be removed immediately. 

Your response states that XXXX electronically reviewed the dispute and provided results. This is inconsistent with XXXX 's statement and actions. Your failure to verify information directly with the source demonstrates non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S. Code 1681e ( b ) : Failure to ensure maximum possible accuracy in reporting.

15 U.S. Code 1681i ( a ) ( 5 ) : Requirement to delete unverifiable information during dispute resolution.

I demand an immediate investigation into the accuracy of the reported bankruptcy record and the removal of this fraudulent information from my credit file. If the issue is not resolved promptly, I will escalate this matter to the Attorney General and file a complaint with the Federal Trade Commission ( FTC ). 

For your reference, I have attached : Letters and emails from XXXX confirming the removal of false information. 
A letter from the bankruptcy court confirming they do not provide data to Equifax or XXXX. 
A copy of my original letter to the bankruptcy court. 
A copy of my ID and a utility bill for verification purposes. 
I expect a resolution within 15 days. Please confirm receipt of this communication and provide an update on the next steps. 

Sincerely, XXXX XXXX
Product: Debt collection

This debt collector/buyer has been on and off my credit report because i disputed the balance owed as incorrect. For the past two years. I received a letter by mail last month in XXXX. This was an attempt to settle the account of the balance of {$2400.00}. They did not sent me a debt validation letter. I responded back with a certified mail debt validation request. They did not respond back in a timely manner. Instead, they decided to share my personal information and details of this account with a third-party service, possibly a debt collection service/firm. After I received this debt validation from this third-party service, I decided to seize and desist both the debt collector/ buyer and the third-service provider because they did not respond to all my request in my debt validation letter. They violated my seize and desist request, the third-party debt collection service entity. I do not trust the integrity of these debt collectors after they took this action. No information other than statement balances and no bill of sale or contract from original creditors presented. The account reads as this XXXX XXXX card by XXXX XXXX, this account was sold to LVNV funding llc and its third-party service is XXXX XXXX XXXX XXXX I did not enter into any written or verbal agreements to repay this debt. They did not verify the debt in full untill i seize and desisted both of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Default and Opportunity to Cure Template To whom it may concern ; This is in reference to your financial institution response to my CFPB complaint # XXXX Be advised that my complaint was not a request for verification or validation of the Consumer Credit Transaction which will be constituting a dispute. 
I respectfully requested your financial institution to Cease and Desist the sharing of my nonpublic personal information to nonaffiliated third parties, XXXX, Experian, and XXXX. 
pursuant to 15 USC 6809 ( 4 ) and 15 USC 6809 ( 5 ). 
15 USC 6801 - Protection of nonpublic personal information. 
15 USC 6801 ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
I submitted my complaint on XX/XX/2022 through the Consumer Financial Protection Bureau, because of the unfair, and deceptive practices that XXXX XXXXXXXX XXXX  use against Consumers like myself. 
The provisions of 15 USC 6801 ( a ) state It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
I am attaching valid proof that your financial institution violated my consumer rights under the provisions of FCRA. I hereby XXXX XXXX XXXXXXXX XXXX, the opportunity to remedy this matter by doing the following things ; Deletion from all consumer reporting agencies Pay as per the attached invoice Respect my Rights as a Consumer Your financial institution XXXX XXXX XXXX, failed to respond to my request regarding the sharing of my nonpublic personal information to nonaffiliated third parties which is an infringement of my Consumer Rights. I will not hesitate to escalate this matter to a Federal Complaint if your financial institutions XXXX XXXXXXXX XXXX decide to ignore my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently going through my credit report with EXPERIAN, XXXX AND XXXX. I notice they are a few accounts that do not belong to me and I do not recognize any of these companies. Also, it appears that someone will trying to get credit in my name and put hard inquires on my credit report. 
According to FCRA, I have the rights to dispute the following accounts : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX 
Hard Inquiries XXXX XXXX XXXX  AND XXXX Please delete these fraudulent accounts from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is saying that I still have a debt collection of {$2200.00}, with Chase JP Morgan. This debt was settled in XX/XX/2023 of {$2500.00}, I tried to contact the company and they gave me the run around.
Product: Credit reporting or other personal consumer reports

I never applied to any such credit for any such product from any company at any given time. I never gave written authorization to any company at any time. Remove fraudulent Inquiries within XXXX hours, Please provide original documentation with bearing signature.
Product: Debt collection

There are two accounts reporting from XXXX XXXX XXXX from XXXX XXXX XXXX and XXXX XXXX XXXX and neither should be listed. I was homeless for a long period of time and covered under the XXXX XXXX XXXX. I do now owe any medical debt for that time period.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax consulting to violate my consumer rights. The account listed as XXXX XXXX Account # XXXX is supposedly being verified by each consumer agency but they do not provide me with the information I keep requesting to follow up with the company to do my own investigation. The consumer agencies are required to do reasonable investigation into each dispute. Furthermore I did not sign up for any services that they provide so under who authority do the consumer agencies have to report this account? It is my belief the consumer agencies are only reporting this information because they make money by selling consumers information. 

XXXX XXXX ( Commission File Number ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Telephone : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX Telephone : ( XXXX ) XXXX EQUIFAX INC. 
( Commission File Number ) XXXX
Product: Consumer Loan

I have a vehicle loan that shows on my credit report from CarFinancewhich constantly reports me late and now show repossession. Also Myloan amount was for {$23000.00} and I have paid 20 payments at $ XXXX/mowhich is {$10000.00} and CarFinance is telling me that my balance is {$25000.00}. REALLY??? In addition, I have a letter from XXXX stating thatthey will remove the item from my credit but they are useless as well.
Product: Debt collection

I have received multiple calls and texts from an XXXX, FL number XXXX that is associated with Synchrony bank. Calls on XX/XX/20 @ XXXX, XXXX, and XXXX. Calls on XX/XX/20 @ XXXX and XXXX. 
I have received texts from this text number, XXXX, on XX/XX/20 ( FreeMsg : Synchrony Bank. Attention Requested. This is to collect a debt info will be used for that purpose. mysynchrony.com or call XXXX. To opt out reply STOP ), XX/XX/20 ( FreeMsg : Synchrony Bank. Your CareCredit acct. is past due. Call XXXX or go to mysynchrony.com. This is to collect a debt info will be used for that purpose. To opt out reply STOP. ), and XX/XX/20 ( FreeMsg : Synchrony Bank. Payment reminder on your CareCredit acct. Call XXXX or go to mysynchrony.com. This is to collect a debt info will be used for that purpose. To opt out reply STOP. )
Product: Credit reporting, credit repair services, or other personal consumer reports

When looking on my credit I noticed that SYNCB/Synchrony MC decreased my limit by {$3500.00}. This dropped my credit by 33 points. It states that this credit limits as of XX/XX/2019 was XXXX and then as of XX/XX/2019 it was XXXX. I contacted the credit company and they stated that did not do anything to my account and it actually was due for an increase limit if I wanted. I am in the process of buying a house and this is detrimental to my loan. Please fix immediately.
Product: Credit card

I was making payments to Wells Fargo for a store credit card I had gotten through XXXX XXXX. I purchased the chair in XXXX of 2015 and started making payments the following month. I made all payments by logging on and manually making payments. XX/XX/2015 I decided Autopay would be better so I signed up. I thought it made a payment for XX/XX/XXXX because in my bank statements the transaction shows as an ACH transaction so I did not look at the account again until I was notified in a letter from Wells Fargo that I was 2 months behind on payment and that the account was closed. I had no prior contact from them via email, phone call, or text. ( see attached Statements JPEG of account messages ) I had no idea the autopay did not work until it was too late. I caught the account up after I was notified, via letter, and called Wells Fargo myself. I thought all was well until I had applied for a car loan and noticed my credit score dropped XXXX points!!! Wells Fargo made no effort to alert me that my account was delinquent ( see Statement JPEG and if they had looked at my payment history they would have seen that I made my payments on time and should have made a better effort to alert me. I would have taken care of it then, instead of ruining my credit score for a simple misunderstanding. I am an honest customer who made his payments and I do n't feel like my credit should be ruined because of this mistake. I can understand a late fee and having to report that, but an account closure is absurd! 
I contacted Wells Fargo and attempted to get them to rectify the situation but they did not even take a statement from me or ask about my side of what happened and then I get a letter in the mail about the situation and she did n't even try to rectify the correct issue. I just want this account closure stricken from my credit record and my credit score to reflect that. This was just a misunderstanding and they made no effort to help whatsoever!
Product: Debt collection

I noticed you are reporting multiple 30 day late payments on my credit history. I dont believe these to be accurate. Please check your records and verify that I was more than 30 days past my due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off a loan with Navy Federal Credit Union ( NFCU ) in XX/XX/2018. NFCU placed a late charge on my account because they claimed I didn't pay the final payment in full, which is utterly ridiculous. Why would pay on time for 35 months and not pay on time the last month due in the amount I had on my schedule to pay? But no one bothered to contact me to let me know the last payment had increased for some odd reason. I have tried to correct this for the past 3.5 years. Their was an error in their system that caused my account to increase verses decrease in the amount of the due amount I reportedly submitted. To no avail they refuse to reverse the error and again recently when I filed through XXXX and XXXX. 

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/2022.
Product: Vehicle loan or lease

I got behind due to reduced income as a result of the pandemic. I tried to get assistance through Ally, my lender in XXXX. What I really wanted was a repayment plan to get caught up. The person who answered the phone somehow doesn't have the authority to access my account. So he transferred me to another department. The new department said that it is the job of the previous department to assist with this request. They transferred me to another person who said I should just call back another day and the call ended. The company started calling me at work hours. Every time they called, they would hang up after the first ring and I didn't have time to answer or I had a notice of a call and it had never rang. I finally was able to call back. This time the person I spoke with said I could have an extension.after many questions, It sounded like he was trying to offer forbearance. He said the pYmenr would be made at the end of the loan. I asked it this would be a balloon payment. He had no idea what that meant. So he transferred me to a female who was extremely irritated that he was bothered. She refused to answer the question because she didn't see that I hand been approved for nor did I have an extension. She told me that I had to ask for it on the app andd the call was terminated. I sent another message about this on the app. I paid my payment for XXXX online. And I got a response to my written request. The response was that I had to call them. They continue to call me at work during work hours. I did finally catch one of their calls. It was someone thanking me for my payment and sing I was up to date. I said that seemed strange because of how I had been behind. She said she had not looked at the account and when she did she said that she guessed am behind and to make a payment. I called back this evening. I explained what has been happening and that I needed. She said she would give me rips on paying my bill. I told her that is not what I need. I need a repayment plan. She too said something about an extension and then told me that time it is and that they close in 30 minutes. She then said I should make more smaller payments through the month. I finally said I didn't think we were.cimmunicaribg because she is not giving me what I am asking.for so I asked to speak to a supervisor. She said no. I asked her to clarify and that she was denying.my request to speak to a supervisor. And she said that I may not speak to a supervisor. I asked he for her identification number because I would be including it here in this complaint. She said it is XXXX. I just want to be able to get caught up. I thought lenders/loan servicers were supposed to h be helpful during this pandemic. Up until now, they have been everything bit helps. They need to pay a fine for the run around and heartache they are providing me. They should figive at lesst half of the XXXX of arrears because of their unwillingness to help.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I purchased a pair of shoes for {$57.00} from a website that appeared to a reputable company. I used PayPal to make this purchase. Approximately one week later, I went to make another purchase using Paypal and my transaction was denied. 

After calling PayPal the first time, they stated there was a permanent limitation on my account but could not tell me why this happened. During this first call, customer support said they were going to put my account into review to see if the limitation could be removed and I should hear something within 5 days through an email. I never received an email. I called a second time two weeks later and spoke to another customer service rep. They told me the same thing, my account was permanently limited and the status had not changed. During this call, I told the representative that I was a victim of fraud and needed to dispute the purchase from XX/XX/XXXX. He told me that he could not help me with my dispute but that I could get legal involved but that would be hard. I ended up finding a legal page on PayPal 's website and filled out a legal dispute form regarding my limitation. I mailed the form to an address in Nebraska and had to send the letter using certified mail. In the letter I stated that I was not sure why my account was being limited and why I could not be told why over the phone. I asked PayPal 's legal dept to call me or email me with an explanation on what was going on. 

One week after mailing the letter, I received an email and it said that after reviewing my account the were not going to change their mind on my account. The response I received is " PayPal reserves the right to limit access to any account reported to be involved in possible fraudulent or high risk behavior ''. 

At this point in time, I still have not been able to dispute the fraudulent charge, which I immediately reported once finding out the website was not legitimate and I can not get anyone to directly communicate with me on this issue. My only resources for correspondence with Paypal has been email and certified mail communication. In addition to being a victim of fraud, Paypal is refusing to assist me with a dispute and is also firing me as a customer. In over 20 years of being a Payal customer, I have never filed a claim for fraudulent activity and I have always been an upstanding, loyal and ethical client. I was a victim and I'm being penalized for something that XXXX 's of consumers face daily.