23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Affidavit of Demand by XXXX XXXX XXXX COMMONWEALTH OF PENNSYLVANIA COUNTY OF UNITED  STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of 18 and am a resident of the Commonwealth of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal disabilities and have personal knowledge of the facts set forth below. 

3. Date : XXXX/XXXX/XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Co XXXX I am sending you a Letter of Demand Under Section 604 of the Fair Credit Reporting Act. I see you put an inquiry on my credit report. Please provide me Permissible Purpose of your inquiry. Please provide me proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FRCA section 623. Please provide me Written Authorization, the original contract copies of my signature that I initiated this Inquiry. I have been a victim of identity Theft. Please see my 10-page attachment ( Your Duties Under the Fair Credit Reporting Act ) concerning Fair Credit Reporting Act sections 604 and 605B laws. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this re-investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Sincerely, FTC Identity Theft Report Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX cc : Pennsylvania Attorney General Office cc : Better Business Bureau cc : Consumer Financial Protection Bureau cc : Office of United States XXXX XXXX XXXX
Product: Vehicle loan or lease

My USAA member ID is XXXX and I have an auto loan with USAA. Recently in violation of many consumer protection laws, USAA restricted my access to USAA.com and cancelled / closed my credit and banking accounts. This poses a problem as I have never received a billing or account statement in writing from USAA for my auto loan. It was set up to all be completed electronically, were the statements are available on usaa.com and all payments are auto debited from my USAA checking account. <P/>This is an issue as now USAA has closed my checking account, so automatic payments are not possible going forward. I called in to request assistance with this as I do not know the amount, or where to send my car payments to keep it current going forward. I was told automatic payments would be stopped and I 'd begin receiving paper statements. I have to to receive any statements from USAA for my Auto Loan. Most recently I called in today on X/XX/2017 and after being transferred several times I spoke with XXXX. She informed me Paper Statements could and would not be sent to me as I agreed to receive all statements via USAA.com at the load origination and she was unable to change it. I requested the payment amount, address to send it to and billing history be sent to me at my home/billing address. She informed me that could not be done I needed to view it all on USAA.com. This poses a problem as USAA restricted my access to USAA.com making it impossible for me to do. <P/>So now, I am unable to pay for my auto loan, view past payments or even know where or how much to send. I 've requested this in writing many times and have not received anything. By USAA 's own intentional actions they have intentionally prevented me from being able to meet my obligations, despite my many attempts to find a legal and fair way to do so.
Product: Credit card

I had see on my credit report that my ban of America account was showing up was closed call to see why this was and they couldnt give me a reason why
Product: Debt collection

On XX/XX/XXXX around XXXX XXXX  in the XXXX, I have received a voice mail from an Eastern Accounts System Representative, stating that I have a bill with the XXXX Hospital which totally disagree with that debt because the hospital bill took care of my hospital debt already with the help of XXXX who represents the Registration Department of the XXXX XXXX  XXXX XXXX through a financial assistance hospital program, then the caller hung up without notifying myself about forwarding my debt to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is seems to be an error on these accounts that are being reported on my credit report. I did manage to reach out to the creditors but they don't have any update yet. Please remove these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian, XXXX, and XXXX, several times to update addresses that I have never lived at and remove aliases due to identity theft. 

The name and only name I go by is XXXX XXXX, and do not go by any alias as shown by all credit bureau reports as XXXX XXXX. 



My only deliverable address per United States Postal Service is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX
Product: Debt collection

My recent credit report showed a charge off for {$9.00}. It's impacted my otherwise good score. The charge off was from Choice Recovery. Address : XXXX XXXX XXXX XXXX XXXX, OH XXXX. My account is XXXX XXXX. 
I've never received notice or a call of an outstanding collection amount. I called them today and they advised that I owed an outstanding {$8.00} for my daughter 's treatment at XXXX XXXX  XXXX. Although I carry the insurance for her, I never took her to an appointment and agreed to pay any amount that may have been covered. My ex-wife would have done that and resolved with the provider. 

Any amount due would have been sent to my former address of XXXX XXXX XXXX in XXXX, GA. 
Again, I never received a notice as I haven't lived at that property for 5+ years. 
This collection agency wouldn't do the decent thing and remove this amount and had to follow up with the provider, but they couldn't even prove if I was listed as the guarantor for the bill with my address/signature.
Product: Debt collection

Att Sent a Debt to Sunrise Credit Services that was discharge in a XXXX XXXX Bankruptcy I sent the information over to Sunrise Credit Services and they refuse to remove the information from my credit report
Product: Debt collection

My identity was stolen in XXXX XXXX. Ever since that date I have been working diligently to remove all fraudulent information from my credit report. However, there are some companies that just refuse to abide by the laws set forth to protect consumers from continual harassment. XXXX is one of those companies that just will not leave me alone. I have sent them my FTC Affidavit, Police Report, and formal Dispute Letter by registered mail. Despite all of my efforts they claim this card that was fraudulently opened in my name is mine. Their proof is that the name and address match. That 's it! I asked them for Application Records, Screen Prints of Internet/Phone Applications, Statements or Invoices, Payment/Charge Slips, Investigator 's Summary, Delivery Addresses, All records of phone numbers used to active or access the account, signatures on applications and accounts, and any other documents or records associated with the account. All I received was a letter from them stating they verified the account is mine with no explanation. I sent another dispute letter. Then they send me a letter stating they sold the debt to JH Portfolio Debt Equities. I sent them a formal dispute letter stating I am a victim of identity theft. I told them they needed to cease collection. I advised that Section 615 ( g ) ( 2 ) of the FCRA requires debt collectors to provide identity theft victims with documentation about an an account if the victim asks for it. I requested the same information as stated above from XXXX. This letter was sent in XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I receive a letter from JH Portfolio Debt Equities stating that " ... we have confirmed the name and address listed on the account, as well as the amount owed. Listed below is a summary of the account. Also, enclosed are documents provided by the original creditor that confirm this account. Upon review of the enclosed documentation from the original creditor, we now deem this account validated. '' The " documents '' they sent was a XXXX statement dated XXXX/XXXX/XXXX. That 's it. Nothing else. When I tell them I am a victim of identity theft it means someone used my personal information ( i.e. name, address, social security number, birthdate, etc. ). Simply verifying name and address is ridiculous. They provided none of the information requested to truly verify an account. I want these people off my back, a letter of clearance that this is not my account, and my credit report corrected. I will get a lawyer if need be. I have already sued one creditor for the same reason and won.
Product: Debt collection

I received a list of charges from the payment cards industry ( PCI ). Ive already begun the dispute process, which boils down to a prorated amount of 5 days of overoccupancy, the corresponding fee, and the XXXX utilities and yes admin charges and fees. After several months of asking how these charges were calculated, I still have yet to receive the information for how the charge was even calculated. 

I moved between two XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX Because of the split time between the XXXX XXXX lease end date, and the park place move-in date, I requested that my move in date be adjusted as to not leave me homeless for a couple days. The XXXX office agreed to an adjusted date of XXXX XXXX XXXX 

I was initially told to pick up my new keys at the end of the business day on the XXXX, and return my old keys the morning of the XXXX. This meant I had to move 2 years ' worth of my items in the pitch dark. I informed their office this is unfair, and simply asked if I could move my items out first thing in the morning, which I was told was perfectly fine. 

I got a call the morning of the XXXX asking where my keys were. Obviously, there was an internal communication breakdown in the office for nobody was on the same page, and I was doing my best to work with the information I was given. I dropped off my current load of items and went straight to the office. There, I was told that they would not take my keys, because the items in the unit were not out yet. This was the first time I was given this information and was around noon on the XXXX. I politely apologized because I didn't know this and went back to my unit to complete moving out my items. 

By the time I was finished, the office was closed. I returned the next morning when the office opened and was told I had a charge of around XXXX dollars, with no explanation, and not justified by my lease. 

Although the verbal agreement between myself and XXXX explains the situation in full, any dispute will revert to the written agreement I have between XXXX and myself. Even then, I am still unable to find a justification for this charge in my lease. I have asked their office for it countless times over the past several months and have yet to receive this information. 

They are charging me for an event that didnt happen, and consistently lying about it. I need help protecting myself and my credit against this claim. XXXX is no longer responding to my requests, or taking any action to correct the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unknown inquiry found on my personal credit report. I do not recall giving authorization to this creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Master Promissory Note you provided was handwritten, not data entered into a computer system. The handwritten data is not my writing in print and the signiture is not mine. The date of birth is not mine which was also handwritten. I provided documentation with my handwriting in cursive, print and my driver 's license with my correct date of birth. Although I completed all request i was asked to do from your company, you still continue to hold me accountable for a debt that's not mine. You did not provide a full copy of the original Master Promissory Note. Please provide the following data, a full original copy of the Master Promissory Note from the original creditor, please provide a full copy of the original loan documents and application with the wet signiture or esigniture from the original creditor. Please provide a full payment history from the original creditor. Please provide the original purchase agreement from the original creditor to Trellis Collections Company.
Product: Money transfer, virtual currency, or money service

On Friday, XX/XX/XXXX at XXXX XXXX EST, I executed a trade of XXXX XXXX  ( XXXX ) tokens using the Coinbase App. At this time the spot price on Coinbase was XXXX USD. As communicated through the Coinbase App, when I agreed to sell my tokens, my portfolio was valued at XXXX, XXXX XXXX. As the transaction was completed moments later, my portfolio, then in USD, was valued at XXXX USD - an evaporation of XXXX, XXX USD having been given XXXX USD per token, while XXXX was still trading north of XXXX higher. I fully understand slippage is to be expected while trading cryptocurrencies, especially on Coinbase, however a delta of north of 20 % is not slippage but an error ( at best ) and one that hopefully is corrected swiftly. I've attached screenshots of the transaction as well as a video illustrating the sudden, instant, drop in my portfolio value. Please see the attached for reference : Image # 1 & # 2 XXXX XXXX XXXX Coinbase Spot Price on two different views showing that at XXXX XXXX  EST, 1 minute after my transaction was executed, the spot price was still XXXX - XXXX USD. Image # 3 & # 4 : My personal Portfolio balance at XXXX XXXX EST on XX/XX/2021 and my personal portfolio balance at XXXX XXXX  EST on XX/XX/2021 after I had sold my XXXX Image # 5 : This video illustrates the above ( similar to Images # 3 & # 4 ) and clearly shows the evaporation for XXXX USD in portfolio balance. 

As for the price getting locked in when I agree to sell, that is my issue. The price which I agreed to sell at was not the price that my XXXX sold at, despite it getting 'locked in '. 

I've recently tried to handle this through CFPB. Coinbase as a response and to seemily try to get me to go away, provided {$200.00} XXXX in the form of Bitcoin for my troubles. Not only is this action arbitrary, it's ridiculous, especially when I had a significant of money stolen from me and their response did not address the information that I laid out in any way. Rather, they repeated themselves and their regurgitated boilerplate responses.
Product: Debt collection

I discovered from the car dealer finance department on XXXX XXXX, 2023 while trying to purchase a reliable vehicle for myself for XXXX that I had a collection on my account an past due. So since 2023 I have been trying to resolve this fraudulent issue of the XXXX credit card being opened up in my name illegal. I have been back an forth with the Midland credit collection company advising them this a fraudulent account that they reported to the credit bureaus affecting my credit an it need to be removed asap. If I had not purchased a vehicle I would have never known this was on my credit and this has been affecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Experian Credit Bureau. The date of the last letter was on XX/XX/XXXX And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, after I review my credit report I found multiple erroneous information on it, that did not belong to me. After reviewing with details I saw multiple addresses that were not mine, So, On XX/XX/2021, I submitted documents to the credit Bureaus requesting to update my address and remove all other addresses that did not belong to me, but after 7 months, I review my updated credit report and I noticed that, they changed the address but they did not remove the inaccurate addresses that it is reported under my XXXX and EQUIFAX report, so I am now taking extra step, because I really need these addresses off of my credit report.
Product: Credit card or prepaid card

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE BANK USA has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a credit reporting dispute to XXXX, XXXX, and Equifax Credit Bureaus on XXXX XX/XX/2022, requesting that three accounts listed on my credit report as XXXX  XXXX, XXXX, and XXXX XXXX be verified by requesting the companies provide a copy of the original signed contract between the debtor and myself, as well as pay disclosures, interest rate disclosures, balance histories, and payment histories of each of these said accounts. I requested these documents be provided via mail because I know they do NOT exist. I previously submitted a dispute asking each credit bureau to research these accounts for possible fraudulent activity and got the same response from each bureau that accounts have been verified. I believe that the bureaus are NOT thoroughly investigating my claims and requesting the proper documentation to validate debts but instead unlawfully not complying. I have attached the certified letter that was forwarded to all three major credit bureaus on XXXX XX/XX/2022 and am requesting that they request and obtain all proper documentation from debtors and accurately investigate my dispute which will determine that I have no signed contract with any of the debtors listed above.
Product: Mortgage

Shellpoint Mortgage Servicing illegally changed/increased the amount of my Previous Balance and is charging interest on that inflated amount, when the servicing of my HELOC was transferred to them. 

XXXX, XXXX, XXXX statement indicates Previous Balance amount of {$280000.00}. This is INCORRECT. On the Deed Of Trust, the original commitment amount is {$150000.00}. The statement indicates that Shellpoint is basing the interest only payment on the {$280000.00} amount. This is an illegal fabrication of my loan amount. 

The current draw amount is {$140000.00}. 
Shellpoint has a copy of the Deed of Trust and the Note. 

Interest is currently 4.25 %, interest only payment. 

The statement is completely inaccurate. I made the XXXX, XXXX payment of {$880.00} UNDER DURESS. 
I have called numerous times, beginning in XXXX, XXXX, e-mailed on XXXX site which they acknowledged receipt on XXXX/XXXX/XXXX, XX/XX/XXXX, XXXX, and XXXX and and sent a complaint by certified mail. 

Just today, XXXX, their site indicates a payment of {$900.00} due for XX/XX/XXXX. Shellpoint states this is a P & I payment, but doesn't break it down. The term expiration is XXXX/XXXX. Even if the payment is XXXX & I on the balance of {$140000.00} it only equals roughly {$680.00}.
Product: Credit reporting or other personal consumer reports

I do not know who XXXX XXXX XXXX XXXXXXXX is. I did not give them information to report nor I have I done business with this company. It is showing up on my profile and causing me to get denied for housing. I did not give them my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX XXXX -XX/XX/XXXX, customers service would not help and take care of the negative inquiry 2. XXXX- unauthorized inquiry- ( customers service would not help and take care of the negative inquiry ) XX/XX/XXXX 3. XXXX XX/XX/XXXX and -XX/XX/XXXX unauthorized inquiry- ( customers service would not help and take care of the negative inquiry ) 4. XXXX XXXX-XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, unauthorized inquiries ( customers service would not help and take care of the negative inquiry ) 5.XXXX/XXXX-XX/XX/XXXX, unauthorized inquiry/fraudulent ( customers service would not help and take care of the negative inquiry )
Product: Credit reporting, credit repair services, or other personal consumer reports

HI AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALS O STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Product: Credit reporting or other personal consumer reports

I reported this twice with both XXXX and Equifax and lastly XXXX  via It has come to my attention that XXXX XXXX has flagrantly disregarded not only the Fair Credit Reporting Act but also the Privacy Act of 1974, particularly within the scope of 12 CFR 1016.1. This regulation underscores the importance of treating nonpublic personal information with utmost care and outlines essential requirements, including the obligation of a financial institution to provide notice to customers about its privacy policies and practices. 
Furthermore, 12 CFR 1016.4 clearly stipulates the necessity of an initial privacy notice to customers and consumers alike. Every company, including XXXX XXXX, equifax, XXXX, XXXX are mandated to furnish a clear and conspicuous notice that accurately reflects their privacy policies and practices before they contribute any information to a consumer report. This provision serves as a fundamental safeguard of consumer privacy. 

My concern is not limited to these regulatory oversights ; it extends to the broader implications for my financial well-being and personal privacy. The Fair Credit Reporting Act and Privacy Act of 1974 are in place to protect consumers like me from unauthorized disclosures and safeguard our sensitive information. XXXX XXXXXXXX XXXX, actions, or lack thereof, represent a serious breach of these vital safeguards.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Is reported on all 3 credit bureau 's XXXX, Equifax, and XXXX without my knowledge or approval. I've sent letters and made calls to the company and disputes to all 3 credit bureau 's about this account and they have not done the proper research to remove this account from my credit report. This is not my account.