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

Regarding Account Number : XXXX Mortgage Company : NEW REZ/Shellpoint Mortgage Servicing XXXX. XXXX XXXX, XXXX, SC XXXX In XX/XX/XXXX we were advised from our Mortgage Company XXXX that our loan had been sold to NEW REZ/Shellpoint Mortgage Servicing. Payment was made on XX/XX/XXXX to New Rez ( see attached bank statement ) upon attaining the info from XXXX as we still had no statement to pay from ( they were mailing to the rental address apparently ). We contacted New Rez upon our tenant receiving delinquent notice on their door in XXXX ( home is a rental ). New Rez says they do not show the payment and when I sent them proof by email from my bank account on XX/XX/XXXX the payment was miraculously put back in our bank account on XX/XX/XXXX ( see attached bank statement ). We have contacted NEW REZ 3 multiple times and mailed the requested bank statements as proof and they replied simply the matter is closed. My credit has been affected and they refuse to acknowledge receipt of the funds and correct the reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

We were in a chapterXXXX starting in XXXX. When BK started we were 30 days late with M & T Bank ( M & T ) ( act # XXXX mortgage ) the trustee was to put the payment in arrears, however after the BK was discharged we reviewed the BK with our attorney and were informed it was not paid he recommended we pay it ASAP so we did. We were never charged a late fee either. M & T was not reporting to the credit bureau 's ( I'm informed that it part of a chapter XXXX ) M & T started reporting to the credit bureau 's XX/XX/XXXX and started the report with a 30 day late. I have disputed the derogatory report to the credit bureaus through XXXX XXXX and have not yet received a response as to a decision ( 90 days since reporting ) M & T has acknowledged a dispute has been filed but representatives say they can not remove the report at their level. I am trying to refi this loan to go forward but can not due to their report. I would like the derogatory mark removed the loan is current and I pay it on the XXXX of every month when it is due on the first ( technically paid before due ). I believe they should not ding my credit for late when they did not even charge a late fee, that implies to me the chapter XXXX rules dictate they should not even be reporting. Please help!!!
Product: Credit reporting or other personal consumer reports

I am disputing the following items on my Equifax credit report : XXXX XXXX XXXX - XXXX - {$0.00} and XXXX XXXX XXXX XXXX - XXXX - $ XXXX. The XXXX XXXX XXXX account reflects a {$0.00} balance, which raises concerns about the accuracy of the charge-off. The XXXX XXXX XXXX XXXX account is unfamiliar to me, and I have no record of this debt. Additionally, there is an inquiry from XXXX XXXX XXXX XXXX  - XX/XX/year> that I do not recognize and believe may be unauthorized. These inaccuracies have been disputed numerous times without resolution, and they continue to negatively impact my credit score. I request that these items be investigated thoroughly, and if they can not be fully verified, they should be removed from my credit report.
Product: Debt collection

I would like to stop receiving emails from XXXX XXXX who does not share how they they are in conjunction with LVNV. Please provide this information and please provide verification of debt. I have received XXXX emails since XX/XX/XXXX and about XXXX since XX/XX/22. I consider this harassment as they are also using multiple XXXX to reach out such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX who are constantly spamming me. They are using multiple LLCs or names so as to cause confusion. I also did not agree for debt to be collected by either LVNV OR XXXX XXXX or anyone else. They are also constantly threatening to return debt if unresolved when in fact I did not agree to work with them.I do not appreciate the threats and that is not how to go about this. Please explain why you felt the threats were necessary. They are soliciting me for money and quoted " It is the policy of LVNV Funding LLC, the current creditor, to delete the tradeline upon satisfaction of an account that they have reported. Please note, this applies only to the tradeline reported by LVNV Funding LLC and will not affect the tradeline of the original creditor or any other third party. '' Which means I would still owe the original creditor, please explain why I would pay this yet it would not affect the original creditor who I actually owe debt to. These are bad business practices that I would not like to be involved with at all and are causing me much harm. Please explain how it is valid to do all the above. I would like to close this debt account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1 ) Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XXXX ) Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XXXX ) Inquiry : XXXX XXXX, XXXX AN XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX ) Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX ) Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX ) Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XXXX ) Inquiry : XXXX XXXX, XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX ) Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX ) Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ) Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX ) XXXX XXXX ) XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX XXXX XXXX ) XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Product: Debt collection

Fifth third bank reps continue to call me daily. I have 7 VM saved from when they call & my phone was off & their call does not show up on phone call log. 1/2 these vm are extremely hard to understand as banks customer service seems to be based in XXXX XXXX XXXX where English is not required. I have told these reps on 3 occasions, including the day of the funeral I am not XXXX XXXX. I am not even a fifth third bank customer. I am not likely to become one either, seeing how they operate. The name is fake & he used a fake phone number, & the bank loans the scammer a bunch of money without verifying his info, that is not my fault, probably a inside job. Fifth third should look into their loan dept. employees & practices before loaning money to scammers.
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN, I AM A VICTIM OF IDENTITY THEFT. 
THE ACCOUNTS LISTED BELOW ARE NOT ANY COMPANIES THAT I HAVE APPLIED FOR CREDIT FROM. THEY ARE ALL ACCOUNTS OPENED WITHOUT MY KNOWLEDGE OR PERMISSION. THEY ARE FRADULENT AND NEED TO BE REMOVED IMMEDIATELY. I HAVE FILED THE PROPER DOCUMENTS WITH MY LOCAL LAW ENFORCEMENT AGENCY AS WELL AS WITH THE FTC. I AM PROVIDING YOU COPIES OF THESE ITEMS TO SUPPORT MY CASE.
Product: Debt collection

I originally disputed this debt with the credit bureaus and it came back as verified. However, the company has not responded with the information that I requested that proves that they own this debt and collect it. They were given 30 days to respond with the information and have failed to do so.
Product: Debt collection

Hunter Warfield , Inc . 
ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX : ( XXXX ) XXXX Dear XXXX : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you Hunter Warfield XXXX Inc. or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Hunter Warfield XXXX Inc. or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Money transfer, virtual currency, or money service

I wish to practice my right as a customer of JP Morgan Chase to use your organisation 's service, seeking a formal, impartial investigation to amicably settle my dispute with JP Morgan Chase. In order to clear up the myriad of letters and correspondences I have XXXX sent to JP Morgan Chase respecting my complaint, I believe it will substantially strengthen both my case and your understanding, by taking a deeper look at the happenings of my case, and analysing the relevant facts in an objective and comprehensive fashion. It is crucial to note that I have been manipulated, socially-engineered and coerced to engage these fraudulent criminals. Much to my embarrassment, I recognise that I am the victim of an investment scam. My complaint to the CFPB has arisen as I do not consider, by any stretch of the imagination, the conduct of JP Morgan Chase to be commensurate with their legal role and responsibility to their customers. They sell a service to look after their customers, protect their money and are a financial institution that maintains a traditional relationship and way of working with its customers. During the complaints process with JP Morgan Chase, I found their communication ineffective, which further hides their conduct to management and diminishes the service offering to their clients. They are struggling to adapt their business offering in the ever-changing world of IT development. The internet is presenting a real problem which they choose to manage in a way which is not in line with rules and regulations of CFPB as well as their own internal policy and procedures sold to their clients.
Product: Credit card or prepaid card

This is in regards to Comenity Bank, XXXX XXXX XXXX, XXXX Ohio XXXX. 

Comentity charged interest even though I paid balance in full each time postmarked 9 days before due date. They charged interest when they processed my early payment 16 days after it was postmarked. I can not be responsible if Comenity processes it grossly late or the XXXX XXXX delivers it grossly late. What am I supposed to do? Mail all my payments a month ahead of time? They refused to refund the interest and the late charges are all because I did not pay the unjust interest. Comenity is engaging in unfair business practices. My full payment of the bill was postmarked XX/XX/21 but they did not process it til XX/XX/21. They refused to refund the interest and they are charging late fees each month for not paying interest that was unjustly charged. They need to refund my entire balance which is just interest and late fees. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED LAST XX/XX/2021 A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 37 DAYS. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Product: Debt collection

This creditor has not provided clear and concise information in writing and this is a clear violation of 12CFR 1006.34B5.

Collection agency is violating my consumer rights by using false and misleading misrepresentation and deceptive means to collect this debt.

This collection agency gave me no chance to dispute the debt but they put this judgement on my credit report anyway, and this is a violation under 12CFR 1006.34C4I This collection agency has no authority to furnish any and all disclosures required by law and this violates 12CFR 1006.34D 15USC 1681S27A.

I am requesting all debts I owe this collection agency, revoking all rights to contact me via any telecommunication means.

This creditor must cease and desist all contact. If they continue to contact me it is a violation of 15USC 1692K. And if this creditor does not cease and desist I will invoice them {$1000.00} for each illegal contact.

Further, I am requesting debt validation, proof this collection agency proof they are licensed and bonded to collect. 

I am requesting a purchase order agreement.
Product: Debt collection

In 2010 I was giving an forgiveness loan from Citi Bank then the loan file went to XXXX XXXX, from there XXXX then from there XXXX XXXX Of XXXX XXXX, and then XXXX XXXX went into my account and took out 170 dollars, I send them proof and had not heard from them at all but still 170 dollars is still being taken, they told me I can talk to a man call XXXX XXXX, I have call him, fax him XXXX and still no call back, I want to sued them cause they had no right going into my account, if you want me to fax or send the proof to you please call
Product: Debt collection

XX/XX/2017 XXXX XXXX XXXX , XXXX deleted this collection off my report because they could not verify this debt in the amount of {$2300.00}. A few months later a collection company by the name of Diversified Consultants INC added the same collection back on my credit report. I was not notified of the debt so I was unable to dispute the debt before hand. I do not have a signed contract nor any contract with Diversified Consultants INC. I have never done business with this company. I am not liable for collection from this debt from XXXX. I am not responsible for this debt with Diversified Consultants INC.
Product: Checking or savings account

I noticed on XX/XX/XXXX my debit card was used to pay for XXXX membership monthly payments of {$12.00} and immediately called the number of the back of my debit card to let the bank know. They filed a claim for the total amount of {$150.00} [ claim ID XXXX ] I was told they would temporarily give me credit and let me know the result of their investigation. The agent issued a new card and told me to destroy the one I had and to allow 30-90 days for investigation results. On XX/XX/XXXX I received a letter stating I was only going to be credited a total of {$51.00}. I tried calling the number on the letter [ XXXX ] to get some kind of explanation but was told they didn't have one and they could not find who set up the XXXX account payment plan and XXXX couldn't locate an account as well. 

I thought my money was protected and I am disappointed in the results of the " investigation '' as no new information was collected, I should of got a full refund for the money that was stolen from my account.
Product: Credit reporting or other personal consumer reports

Dispute of Invalid Hard Inquiry on Credit Report Dear CFPB, I am writing to formally dispute an invalid hard inquiry that was placed on my credit report by XXXX Bank XXXX XXXX XXXX XXXX XXXX ). Here is a summary of what happened : I applied for a business credit card using information that was mailed to me by XXXX Bank XXXX XXXX XXXX XXXX XXXX ). Despite following their application process accurately, my application was denied. Subsequently, a hard inquiry was placed on my credit report by XXXX Bank XXXX XXXX XXXX XXXX XXXX ). 

I contacted XXXX Bank financial ( XXXX XXXX XXXX ) to request the removal of this hard inquiry, as the account was never approved and is therefore invalid. Despite my efforts, XXXX Bank XXXX XXXX XXXX XXXX XXXX ) refused to remove the hard inquiry from my credit report. This unjustified hard inquiry is negatively impacting my credit score and hindering my ability to apply for credit with other companies. 

I believe this hard inquiry should be removed, as the account was never valid. I respectfully request your assistance in resolving this issue by having XXXX Bank XXXX XXXX XXXX XXXX XXXX ) remove the hard inquiry from my credit report. 

Thank you for your attention to this matter. 

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

Experian / XXXX did not fix my child support reporting on my report. I send them proof three or four times and they were legit a FAMILY court order XXXX XXXX  XXXX child support worker Revolution.Letter. The judge ruled on XX/XX/2022 starting on XX/XX/XXXX. I will pay the mother directly and not through the child support unit case XXXX. but department of child.support was my account {$110.00} XXXX XXXX XXXX and finally they corrected it. give me credit to a zero balance and they close my account. The credit bureaus did not correct my account and hes doing a lot of damage. On my credit report it tells me its still open and it was late in XX/XX/2022 that is not correct and this needs to be corrected or delete the whole child support account because its close now. this is causing me a lot of headache and it seems they are not working with me on this issue.
Product: Credit card or prepaid card

On XX/XX/2020 I discovered two unauthorized charges occurred through my Chase Checking account through the use of my Debit/Visa Card. The charges took place on XX/XX/2020 put did not post until XX/XX/2020. The charges were made in person by someone in XXXX California first to XXXX XXXX for {$220.00}, and next at XXXX for {$510.00} on the same day. I called XXXX XXXX the same day and nothing had showed on their end. I tried to contact XXXX 's but you can not get through to them. I immediately contacted Chase 's Fraud Department which assured me that the charges would be reversed and investigated and the amounts would post back to my account within 48 hours.Let me also stated that I have lines of credit with both companies but did no such transaction with them. I discovered on XX/XX/2020 that Chase had resend the refunds and debited my account. I recall during the " recorded conversation with the representative from Chase asking if I gave my card to someone. I stated several times that I did no such thing and how could someone use my card number without having my card to make purchases in my name? I have since then contacted the Headquarters of Chase, placed a freeze on my credit reports, contacted XXXX who monitors and supervises my credit reports and profiles, and now in the process of making a police report as suggested by XXXX. It is difficult because the XXXX Police do not place this as a high priority and will take some time to do so.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking and removing of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting or other personal consumer reports

today I just request my credit report for the agency 's and see some wrong information still in my credit remove and they have to be remove by the law. 

I have 2 months sending letters for disputes that information or accounts and the agency 's don't take anything action and that affects my report.. I demand remove those item like the law said..
Product: Credit reporting or other personal consumer reports

I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX