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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX Date : XX/XX/year> To : LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Public Records with Phone Number Dear LexisNexis Risk Solutions Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I ordered a camera bag from an online vendor called XXXX  XXXX on XX/XX/year> ( order number XXXX ), and set up an installment payment plan using XXXX XXXX with Affirm. The vendor originally promised a XXXX business day delivery using XXXX, but after 4 days on XX/XX/year> I still did not receive any update. After sending an email to XXXX XXXXXXXX, they finally shared the product was out of stock and would take an indefinite amount of time to deliver. I was traveling immediately so it would not have arrived in time, therefore I requested cancellation immediately prior to any shipment notice, TWICE. The vendor never acknowledged my cancellation and instead tried to entice me with a " free gift '', and after my firm decision to cancel order repeatedly, XXXX XXXXXXXX stopped responding completely. The last response was on XX/XX/year>. Because of no contact, after a few days I contacted my credit card bank to stop payment from XXXX  XXXX for suspicious activity in fear of being scammed. Then a week later, I received an automated shipment notice that XXXX  XXXX sent out the order that I had already requested cancellation on 2 times. Because I was unable to receive the package, it was sent back to the shipper, with a returned confirmation. XXXX XXXXXXXX never responded anything further nor acknowledged that my order was unable to be delivered. My money was returned to me thanks to the bank 's help, but Affirm says I owe them the {$200.00} from the purchase which I never received and had already tried to cancel anyway. I tried to contact Affirm but was unable to find a customer service telephone number, so I tried with an online chat agent, who was unable to directly help me, and sent me to file a claim on the Affirm website. After filing a claim and providing full evidence of vendor 's wrongdoing including receipts and email conversations, Affirm responded with a decision which says they side with the vendor and that I am responsible for the charge, EVEN THOUGH I DID NOT RECEIVE ANY MERCHANDISE. It is ridiculous how Affirm is working with a shady business to rob innocent consumers. Now Affirm is threatening to send this unreasonable charge to debt collectors to come after me and my family, and trying to impact my credit and my personal life. I am already filing complaints to the XXXX and state consumer protection agency at the same time in hope of any help in resolving this ridiculous situation.
Product: Credit reporting or other personal consumer reports

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must update to correct as paid on time. 


Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC

1681a ( d ) ( 1 ) as that information pertains to experiences those accounts tag as billing error are inaccurate late payment history should be updated to paid on time as it is in multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement. clearly in Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) must update to correct as paid on time. any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C.
1681c-2 ) And charge off accounts that is tag or labeled FDCPA Section 807 Violation Misleading False Reporting should be deleted and collection account Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately. 


a copy of which is enclosed which states that this information must be removed within four business days of receipt, Including inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. should be deleted in the credit report I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX XXXX XXXX. Here is the Tracking number XXXX, to XXXX tracking number XXXX. I sent a second letter on XX/XX/XXXX tracking number XXXX. However the credit bureaus said they completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.

The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information 's. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I would like to know who did they talk to? How did they complete this investigation?
Product: Debt collection

Credence Resource Management -- XXXX XXXX XXXX XXXX, XXXX TX XXXX Collection Agency. Reported to Credit Score co for {$1700.00} with original creditor XXXX XXXX. 

Spoke with collection agency over phone when they called. Explained that they had the WRONG PERSON! That I did not even live at the place where the bill was charged. 

But they still reported to 2 of the 3 credit score companies causing over XXXX pointsDROP in my XXXX  score. Just as I am about to make purchase a housing causing me to stop! 

I don't know what else I could have done. IT IS OUTRIGHT ABUSE of this collection agency. They reported me only because I have similar name and was coming after me for collection. t seem VERY ILLEGAL for them to do that and RUIN MY CREDIT SCORE which was above XXXX points for YEARS! NOW it came down to XXXX 's. Please INVESTIGATE! My name is XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nothing has happened, but Equifax was irresponsible with my data.
Product: Checking or savings account

I have enrolled in a Chase Private Client using a promo for XXXX $ bonus if I bring XXXX in new funds into a relationship. I have completed all the conditions- and even have XXXX as of XX/XX/2023 yet the bonus credit was just 2000 % which is XXXX $ short
Product: Checking or savings account

I opened an account with XXXX XXXX online in XX/XX/XXXX in a process that took a few minutes. I never received the debit card for the account. I called a few times and they said they can't issue a new debit card without the account number. I never received a debit card or checks or anything with my account number on it. Their solution is for me to go into the branch but I moved in XX/XX/XXXX and do not live near a branch. I would have to take time off work to go. I tried to just close my account to end the headache but they said they can't do it over the phone and that I have to mail in a letter. After mailing the letter they told me it had to be notarized and that they couldn't close it. 

I just want to close this account and get my {$25.00} back. If I opened it online and confirmed the opening with a phone call I don't understand why I can't close it over the phone after providing all of my personal information. I have closed bank account over the phone before. I feel like they are just making it difficult so that I won't follow through with closing it.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you check the documents? Some of the listed accounts inaccurately report amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX fraudulent accounts showing on my consumer profiles that I have no knowledge of nor signed my signature for.
Product: Debt collection

I'm receiving calls on past debt that has been charged off on multiple accounts and also too I paid into a third-party that did not pay off the one credit card for Discover
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation.

Here again is the incorrect information being reported : 1. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under XXXX XXXX XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more.

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Debt collection

Because of the market crash and my home value decreasing so that I could n't sell it for what was owed and other personal harships, on XX/XX/XXXX 2013 My home was foreclosed. The 1st lienholder XXXX XXXX received release from the 2nd Lien holder XXXX to foreclose on the property. After foreclosure the 1st lien sold the home for the full mortgage amount. I called XXXX the 2nd lien holder to see what would happen at that point since they did not receive money from the sale. They said they filed bankruptcy and wrote it off. Within the next year I started receiving calls from a company called Real Time Resolution who said the debt was sold to them and they are collecting it. Real Time Resolution is showing this debt on my credit as an open mortgage with late payments every month. I did some research and I found that legally XXXX should n't have sold the debt if they filed bankruptcy and wrote it off but even if it is okay for them to do that, the Collection company since they were not the original lien holder can not show this on my credit as an open mortgage with late payments every month and continued interest etc ... I have filed a complaint with the 3 credit bureau companies and Equifax refuses to do anything about how it is being reported ; however the other two have updated it. 
My complaint is against Real Time Resolutions and XXXX. Please help me in straightening this out. I understand the debt has to show on my credit report but at some point it will fall off but as long as it shows an open mortgage it will never come off and it looks like I am paying late mortgage payments every month and I am not.
Product: Mortgage

In XXXX of XXXX after 26 years of employment my husband lost his job. we were struggling to pay mortgage and applied and were denied a loan modification in XXXX of XXXX. After receiving an attorney letter in XXXX of XXXX regarding the full amount of our mortgage plus interest being due, we called and were told to avoid foreclosure we should request a mediator. We were assigned one with the Superior Court of New Jersey after approximately 3 months. This process was ongoing for approximately ( 7 ) months with various conference calls between the mediator, XXXX ( different rep. each time ) and myself. I have over 53 emails between myself and the Attorney 's office assigned by XXXX asking for the same information over and over. As per the mediator, we were supposerd to have it resolved in 1 or 2 conference calls, however, he would postpone it for another 1-2 months at the banks request for me to send the same information because of " nonsense '' reasons given by the Bank 's representatives. The loss mitigation package contained numerous pages and questions and documentations. Finally in XXXX of XXXX after three " trial mortgage payments '' our loan modification was approved. We received the " loan modification ''. The terms and conditions are not only impossible to recoop from they are not financially helpful nor are they in any terms helpful. The rate stayed the same. Our mortgage balance of XXXX was changed to XXXX. Accrued interestt and Escrow totalling 36,000 + was added to the 18,000 plus " other recoverable advances '' in the amount of XXXX totalling {$53000.00} was added to a Deferred Principal Balance due at Maturity in the year of XXXX. We mortgaged this home in XXXX. So to recap, our principal balance was lowered to XXXX, however, all interest, etc. including the amount they took off our balance is due when we sell. In lieu of all the waiting, frustrations with duplicate submissions, all for a reduction of {$150.00} from what we previously were paying. Nothing was done to financially help us get back on track. Our home was valued at XXXX. THIS CANT BE LEGAL.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I disputed the validity of an alleged collection account, with Portfolio Recovery Associates, and " XXXX XXXX XXXX XXXX', which appears on credit reports with XXXX, XXXX, XXXX, and XXXX. This is an error. I contacted Portfolio Recovery, on XX/XX/19, via Certified USPS Mail XXXX XXXX XXXX, to dispute the account and balance, request a transfer of debt, and other information. On XX/XX/19, I did receive a response. However, Portfolio Recovery, did not provide any requested materials, or attach any documents, whatsoever, only a statement from their Disputes Department. I again contacted, Portfolio Recovery, on XX/XX/19, via certified USPS ( XXXX ), signed for by XXXX XXXX, on XX/XX/19, stating this response was unsatisfactory, and demand material evidence. Portfolio Recovery, never responded. In spite of failing to honor my request to provide the information, or delete the alleged account under the Fair Credit Acts,  Portfolio Recovery, and XXXX, continue to report this account in error to credit reporting agencies.
Product: Mortgage

PHH mortgage has now threatened to foreclose on my property unless I pay them a ridiculous amount of money .... {$3300.00}. Although I've never been late or missed a payment... ..they are saying I'm in arrears. This company along with their parent company is 10 times worse than XXXX XXXX and XXXX XXXX. Been paying on this mortgage for over 28 years, and they got me owing {$40000.00} more than when I started!!! Where has all my money gone????? They are literally trying to steal my home. They have been fined for these fraudulent and deceptive practices before, but they continue to practice them. They now want me to pay over {$3300.00} just to " catch up ''. I've never missed a payment and they refused to cash last months check. This is not a repeat of past complaints I've made about this company, now they are trying o foreclose. I should not have to file bankruptcy to keep my home. This is wrong and the CFPB needs to do what your office is supposed to do, keep predatory lenders in check... .this company has got away with robbing myself and others for far too long!!! No way should a citizen that has paid on a $ XXXX mortgage continually for over 28 years, now have a balance of a $ XXXX!!!! This company has been punished before for deceptive practices, my case is no different and probably much worse.
Product: Debt collection

I had a XXXX account on my credit report ... and they collector sent me a email saying to settle this debt in full all I need to pay was XXXX, so I paid it and they never ever removed it from my credit and I disputed it three times and XXXX says the debt has not been paid... I have bank statement, email from the collector, and confirmation receipt that it was paid ... and they refuse to change the status as paid, this has been going on for three months... I have no idea whats going on but this world has become full of liars and crooks.. Please look into this.. and if you can do anything to help me I would be very thankful.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX {$2000.00} XXXX XX/XX/XXXX {$9800.00} XXXX XXXX XX/XX/XXXX {$160.00}
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. 

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

, I would like to bring to your attention that the collection agency, COMMON WEALTH, is not licensed to collect debts in the state of Texas. Pursuant to XXXX XXXX XXXX XXXX, a person may not engage in debt collection in Texas without first obtaining a license. This collection agency has not obtained a license, and therefore, any attempts to collect a debt from me in Texas are illegal.I know my rights and this is a violation of the HIPPA law.This is NOT a third party. I also request that you comply with the provisions of 15 U.S. Code 1692g, which requires debt collectors to provide validation of the debt within five days of their initial communication with me. To date, I have not received any validation of the debt. 
.I request that you investigate these matters promptly and provide me with the results of your investigation within 30 days, as required by law. If you are unable to investigate and correct the disputed information, I request that you delete it from my credit report.THANK YOU
Product: Debt collection

In 2017 I was living in a town home that flooded due to a broken pipe from dishwasher under kitchen sink. I called the apartment people and they would not come and fix the issue. My mother had passed away and I had her things from XXXX I did not want damaged I advised the company that I was moving out I brought them the keys and they put I owed over {$2000.00} to the company they sued me without my knowledge. And then sent to collection agency Pro collect which I do not owe the debt. Ive been fighting with them over this and they will not rectify the debt. Im 100 % XXXX and trying to get into a XXXX and above living but cant because this debt is following me where ever I go. Please help to fix this issue that is not my doing
Product: Credit reporting, credit repair services, or other personal consumer reports

Premium CB appears on my credit report as a Hard Inquiry. I have never did business with this company and their is no mutual signed contract or agreement between us. I call this company and they inform me that a company that I hire in the past for credit repear ask them to pull up my credit. When I hire XXXX they never inform me they will run up my credit score, also I have to mention that in the same month that I hire this company I cancel my contract with them due the low and poor quality of service for my person.