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

XXXX XXXX XXXX  Subject : Formal Dispute and Cease and Desist Notification Portfolio RC ( Original Creditor : XXXX XXXX ) Account Number : XXXX Dear Portfolio RC, Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq., the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and applicable Consumer Financial Protection Bureau ( CFPB ) regulations, I am disputing the above-referenced account listed on my credit report. Additionally, I am issuing a cease-and-desist notification to Portfolio RC regarding any attempts to collect on this alleged debt until its validity is conclusively verified.

Permissible Purpose Under FCRA 604, a party must have a permissible purpose to report or access a consumers credit information. I demand that you provide proof that Portfolio RC has a permissible purpose to report this account to the credit bureaus. Absent such proof, this account must be removed from my credit report immediately.

Request for Validation and Assignment Contract Under FDCPA 809 ( b ), I have the right to request validation of the alleged debt. Accordingly, I demand the following : A copy of the assignment contract or purchase agreement between XXXX XXXX and Portfolio RC that explicitly grants Portfolio RC the legal right to collect and report this debt. 
Documentation verifying the original account details, including my signature on the original agreement with XXXX XXXX 
The chain of custody for this debt, demonstrating how it was transferred from XXXX XXXX to Portfolio RC. 

CFPB Rules on Debt Collection Practices The CFPB requires debt collectors to comply with regulations outlined in 12 C.F.R. Part 1006 ( Regulation F ). Specifically : You must provide clear and accurate information about the debt, including validation and substantiation. 
Any attempts to collect a debt must comply with communication restrictions outlined in Regulation F. 
If this account has been charged off or forgiven, I further demand evidence of compliance with IRS regulations, including the issuance of a Form 1099-C.

Cease and Desist Notification Under FDCPA 805 ( c ), I am requesting that Portfolio RC immediately cease all forms of communication with me regarding this alleged debt unless and until it has been validated as required by law. 

Resolution Requested If Portfolio RC is unable or unwilling to provide the requested information within 30 days of receiving this notice, I demand that this account be deleted from my credit report. Failure to comply with my request will leave me no choice but to escalate this matter by filing complaints with the CFPB, the Federal Trade Commission ( FTC ), and state regulatory authorities. I may also pursue legal remedies for violations of my consumer rights under the FCRA and FDCPA. 

Thank you for your attention to this matter. I look forward to your prompt and appropriate response. 

Sincerely, XXXX XXXX
Product: Mortgage

I had been paying the same mortgage payment to Bayview loan servicing company which include tax and insurance for many years. Its an impound account for $ XXXX/month and later increase to $ XXXX/month and now it becomes $ XXXX/ month. On XX/XX/2018 I received anticipated escrow account disbursements letter that my property tax become {$14000.00} starting XX/XX/2018. I received an annual secured property tax bill from Treasurer and tax collector is only {$1500.00} from XXXX XXXX to XXXX XXXX. I had sent several letters to Bayview Loan servicing with a copy of the tax bill that I received from the treasurer and tax collector office but never get any reply back. Also I had paid the mortgage on time and sometime a little late, but once I talk to customer service they told me that I am current then later I received a mortgage statement that I was late about 2 months. So I paid those 2 month on the statement now it come again that I still own them another 2 months. I am confused about what is going on since I just talk to their customer service about the update payment. Later Bayview loan servicing sent one letter to me saying that they had sold the loan to XXXX fXXXX so I have to contact them. I am very stress and don't know when they going to put my property into foreclosure. Now with XXXX XXXX. They also sent me the same statement that my mortgage become $ XXXX/month due to my property tax increase.
Product: Vehicle loan or lease

I reported to the company that this vehicle was stolen and I stop making payments on it because it was no longer in my possession.I also provided the company with the police report number.
Product: Student loan

PHEAA XXXX XXXX XXXX. have been persistently harming my consumer credit for years. I made several attempts over the last two years to have Fedloan Serv remove the inaccurate accounts from my credit file/report. I also opted out of forced forbearance due to the " pandemic '' and one month the account was forced into forbearance again, showing I made payments on my consumer report when I have never and will never make payments, these tactics to keep the " assumed debt '' on my credit report well over 7 years has greatly effected me. After notifying them by phone that I do not owe a debt in which Fedloan assumed, I demanded to see an audit trail and the original document of indebtedness to show proof that I do not owe any debt. I also requested proper verification of debt or accounting to be notarized and signed by the accountant over my account. I received a copy some frivolous paperwork that seems to be computer generated, on the back of the last document they sent was a page entitled Direct Loans and also read page 1 of 8 at the bottom with no reference or evidence of a page 2 through 8. This one page document, printed on the back of frivolous small print documents that were printed in repetition, had a computer generated signature of my name. I have not been able to use my credit to obtain a home, personal vehicle, or a lifestyle that is appropriate to educate my son and prepare him for the world. Therefore I am homeless and have suffered financial ruin because of fraudulent practices exercised by FedLoan Serv and other persons under the same corporate control. I was messaged by XXXX that they now have my loan and I also informed them of my past troubles and the lack of evidence to make a claim previously by Fedloan. 
I stand with the provisions of the Fair Credit Reporting Act, Fair Debt Collection Practices Act, Equal Credit Opportunity Act, Indigenous
Product: Credit reporting, credit repair services, or other personal consumer reports

Chrysler Capitol decided to turn off the autopay on my lease for the last month which caused my lease payment to go late. After three years of auto payment with no distinct warning it was changed. I paid it immediately on late notification from my credit monitoring - no late information ( call/email ) from Chrysler. The company has removed the late fee for my account but refuses to remove the reporting to the credit bureau which is incorrect. Please correct my credit score as the late fee was acknowledged by Chrysler as incorrect and was waved.
Product: Vehicle loan or lease

i opened an auto loan with Bank of America and chose to consent to their electronic delivery process. Every thing was processed correctly but I never received the " Closing Documents '' as described in their electronic disclosure statement. 
https : //secure.bankofamerica.com/applynow/vl-electronic-disclosure.go After several calls to their customer service group ( over a 10 day period ), they finally agreed to fax the documents to me. They would not email them to me or send via email. I believe this is in direct conflict with their electronic disclosure agreement. Nowhere in their agreement does it require access to a fax machine which most people do not have access to. My only option was to have it faxed or rescind my consent to the electronic delivery process and have them mail the documents to me. My car registration was already 2 days overdue. I opted for them to fax the documents but that required me to have the documents sent to either a public place such as a XXXX/XXXX center. I think this process puts consumers information in danger.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an account with both XXXX XXXX XXXX XXXX and Experian. There is a lawsuit against XXXX XXXX. The details can be found at XXXX. The original transaction was void, I do not owe the amount that appears on my credit report. 

I wrote many letters to XXXX XXXX XXXX XXXX and Experian outlining the way the credit report was inaccurate. On XXXX, I sent proof the XXXX  that the account was disputed successfully by my attorney to XXXX 's attorney, and successfully removed from XXXX. I asked them to validate the debt that appeared on my credit report. 

XXXX  replied on XXXX. They say in their letter that they can not verify my account. 

I sent all this information to Experian, so the account could be removed from my credit report. Experian finished the dispute, and updated the account. The update states that I made a {$6100.00} payment on the account. I never made such a payment. 

I want this account removed.
Product: Checking or savings account

On XX/XX/XXXX Navy Federal Credit Union charged my checking account for XXXX for a credit card that is owed on. I understand the card is delinquent but I have been paying on the card since XX/XX/XXXX and the limit never got any lower. I was locked out of my checking account for a week, and then when my deposit went in, I went to work on XX/XX/XXXX at XXXX XXXX cst and got off at XXXX cat. I called Navy Federal around XXXX cst and I was transferred 5 different times and no one could give me an answer, they actually told me I talked to someone earlier that day, which I did not. They left me with XXXX dollars, I told them they could keep XXXX dollars of the XXXX that was taken but I needed the rest back as if I have a family of three and am doing my best but how can I make it on XXXX bucks for three weeks. I know that Navy Federal was sued for the same thing they are doing to me back in XX/XX/XXXX. Now I am not sure what else to do here but this. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dating back to XXXX XXXX and maybe even earlier, I have requested that Experian remove a Bankruptcy that is showing on my credit report because it was not verified according to the new law. They wrote me back saying that they verified it and I responded by asking them to furnish me with a more detailed description of how and with whom it was verified ( third party vendor ). I was never furnished this information just received another letter stating that it was verified through a third party vendor. I inform them that this could n't have been possible because my I had placed security freezes and suppressed my credit files with all of the third party vendors with XXXX XXXX being the first XXXX. Experian still has not accurately verified this account nor have it furnished me the names and address or other information of the company who verified. Since they have not provided me with adequate proof of verification this item needs to be removed from my credit file. It is against the law for them to be reporting unverified and non-validated information. It is not ok for Experian to say it is verified and not provide proof to the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 All 3 credit bureaus were reached out to via mail. I mentioned multiple of times that these hard inquiries do not belong to me. The hard inquiries have not been removed and needs to be removed immediately so I can utilize my credit. I am suffering without my credit and need this corrected as soon as possible. 

XXXX & XXXX Inaccurate Inquiries : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX and XXXX XXXX Equifax Inaccurate Inquiries : XXXX XXXX XXXXK XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX - 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting incorrectly on my report for the last couple of years. I do not owe the company money. They have been reporting this as a repossession and charge off, but fail to provide proof of any information verifying the allegations. They have none of my information correct, stating the vehicle was repossessed at " my address '' that of which has no ties to me and never has. They are reporting someone else 's information and payment issues on my report. Please verify against my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Grant & Weber collection agency to inquiry about this XXXX XXXX XXXX XXXX item on my report. They said it was a bill sent from XXXX XXXX XXXX. I then contacted XXXX XXXX XXXX XXXX department and inquired about this Acct. After a couple of day 's of investigation, they reported back to me, that there was no proof of identity that it was me at the hospital to have a sist removed from my neck. ( See attached Document from XXXX XXXXXXXX XXXX ) I have never had any procedure to my neck. After II received the letter from XXXX XXXX XXXX, I sent it to all three credit bureaus and XXXX  and XXXX XXXX removed it immediately, but XXXX left it on. I have disputed this three time with XXXX  since, and XXXX continues to let Grant & Weber collections dictate the outcome despite the letter from XXXX XXXX XXXX. Can you please help me to remove this item off XXXX Credit Report? 


Thank you for your consideration,
Product: Credit reporting or other personal consumer reports

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

OPEN ACCOUNTS : XXXX XXXXXXXX XXXX XXXX - {$1000.00} open XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$1000.00} open XX/XX/XXXX XXXX XXXX open revolving {$590.00} XXXX XXXX open. {$740.00} credit card XX/XX/XXXX & line of credit {$320.00} XX/XX/XXXX XXXX XXXX XXXX XXXX open Mortgage {$89000.00} XX/XX/XXXX CLOSED ACCOUNTS : XXXX XXXX XXXX closed accounts XX/XX/XXXX secured Card XX/XX/XXXX XXXX for {$320.00} XX/XX/XXXX for {$740.00} XX/XX/XXXX installment account XX/XX/XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$230.00} XX/XX/XXXX XXXX XXXX XXXX closed XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX closed XX/XX/XXXX XXXX XXXX XXXX closed XX/XX/XXXX revolving {$810.00} XXXXXXXX XXXX XXXX XXXXXXXX closed XX/XX/XXXX revolving {$0.00}
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXXXXXX  XXXX XXXX Account Name : XXXX XXXX # XXXX Account XXXX : XXXX  XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX
Product: Student loan

I was told I could request deferments and go into a forbearance for 12 months at a time up to 60 months total, I called months ago and was placed into a forbearance and then began getting calls and emails every single day from them asking for payments to be made, they are a terrible company that are full of liars and scam artists. They gave me incorrect information and are terrible people. 

Respond through the CFPB portal, I dont want a mailed response, I want a response through this portal so your response can be made public.
Product: Debt collection

I have recently found information that XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX as individuals and Representative ( s ) or Agent ( s ) of XXXX XXXX XXXX have submitting false evidence under the penalty of perjury into the Circuit Court of XXXX XXXX County. XXXX XXXX XXXX has foreclosed on the subject property in XX/XX/XXXX using the name of the original XXXX and a license number that expired in XX/XX/XXXX.XXXX XXXX XXXX of XXXX under the penalty of perjury affirmed that the purchase of the subject property was fairly sold and bought at a fair price. The subject property was purchased by XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX and auctioned by Auctioneer XXXX XXXX XXXX for XXXX. I have reason to believe the bidding and auction of the subject property were rigged by XXXX XXXX XXXX, XXXX XXXX XXXX of XXXX, XXXX XXXX XXXX. Sworn Affidavits filed in case number XXXX to also include the Assignment of Deed of Trust, the Deed of Appointment of Substitute Trustee and the Writ of Possession and Eviction filed by the Defendant XXXX XXXX XXXX of XXXX are in fact willful and deceptive violations of 15 U.S.C. 1692e ( 13 ), 15 U.S.C. 1692f ( 6 ), 15 U.S.C. 1692e ( 4 ) and 18 U.S.C. 1621. There are many irregularities in the assignment of DEED OF TRUST and the process in which such DEED OF TRUST was allegedly transferred, conveyed, assigned, sold, recorded, etc. As asserted, these defects left the foreclosing entities without authenticating documentation to the property and without the authority to foreclose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Late payments reported to the credit bureuas and stated in 15 usc 1666 b, late payments are not to be reported to the cosumers report
Product: Debt collection

Portfolio claims I owe XXXX to them. I received paperwork in the mail where they took it to court in Virginia in XX/XX/XXXX. I just got the letter a couple days ago. I was not informed of court so that I could be there.
Product: Mortgage

The company XXXX XXXX in XXXX, Florida responded only to refinances in complaint # XXXX. This was not a refinance it was a purchase. Not only did they refuse to respond to anyone regarding the question at hand. They also tried to overcharge the client with a closing fee of {$950.00} and attorney fee of {$450.00} and a doc prep fee of {$450.00}. 

I would like to know when someone in our government is going to do something about the affiliation of Real Estate Offices and Mortgage Companies with Title Companies and or Attorneys. It is ridiculous on how this can continue on. It actually does no justice for the consumer at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

About 5 months ago I decided to fix my credit and get on track again. I started asking to the credit bureaus to investigate two accounts 1. XXXX and 2. XXXX XXXX. 
The reason why I asked them to investigate XXXX was because I contacted this company and they don't have any account under my name, which means XXXX is reporting an inaccurate information. I asked them to investigate XXXX XXXX BECAUSE ON XX/XX/2021 this account wasn't reported on XXXX, was only reported on EXPERIAN AND XXXX WITH A BALANCE OF {$12000.00}. And about two months after on XX/XX/2021 they added this account on all of my reports, the same account with a balance of {$12000.00}. I will attached a copy of my credit report on those dates, that way you can see all the inaccuracies that I found. I hope you can help me with this two accounts that are hurting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX credit report i have 2 hard inquiries on XX/XX/2023 and XX/XX/2023 from American Express/AMEX . I also have 5 soft inquiries from American Express/AMEX for the same days. 

On XX/XX/2023 i have a hard inquiry from XXXX XXXX along with 1 soft inquiry on the same day.

I also have 1 hard inquire from XXXX XXXX XXXX and 2 soft inquiries for the same day of XX/XX/2023. 

All these are duplicates and are not accurate. These companies ran my credit multiple times without my permission resulting in multiple inquiries on my account. These applications were for pre approvals which they assured me would be a soft inquire and not a hard one. However, weeks later, the inquires say they're hard. This is not accurate representation of my account and i want the hard inquiries removed because these were suppose to be soft inquiries, hence why we have so many soft inquiries from the same companies on the same dates. I believe this was a mistake on their part and id appreciate it if they removed the duplicates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report false information on my credit report that has not been verified to be true since they have never proven that those accounts belongs to me. I am hereby asking CFPB to ask Experian to send me the verification by providing the documents as required by law under the fair credit reporting act. Experian have failed consistently to follow the law by not showing me the proof that these accounts are truly mine. I am asking Experian to send me the verification like wet signature, copies of other documents as required by law to be reporting these items on my credit profile thats not true. Please send me the documents that would prove that these 3 accounts are mine, XXXX, XXXX and XXXX. I want to see the proof not a paper saying verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid this account ( judgement threatened ) off within the specified time frame ( XXXX ) - it should not have been reported. Disputed the account and it was not removed.
Product: Debt collection

this company has been sending me several emails threatening to take me to court. The company at first starting stating they were   XXXX   XXXX   XXXX   then they stated they were  XXXX   XXXX  and now they are stating they are  LVNV f unding. This company is impersonating different companies per their emails. I do not have a contract with LVNV Funding or do I have a contract with  XXXX . This company has not sent me any validating legal contract with my valid signature that I agreed to do business with them. this company is now showing on my credit report hindering me from establishing credit.