23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX this is my response to your letter you sent datingXX/XX/2022 you said in recent response that you believe you are reporting accurate credit information. my problem with that is where you there for this extension of consumer credit? as well as you used the word believe which means you accept as true on a personal level. what you believe and what you can prove and provide are two different meanings. you also had mentioned that theirs still a alleged debt arising from said account? but
when i read the truth and lending act and came about the finance charge ( 15 USC 1605 ) that the finance charge SHALL be the sum of all charges! and taken another look at this installment agreement you attached from you're last response it shows multiple charges amounting to XXXX dollars more then the finance charge. 
can you explain why ally financial shall not be civilly liable for not properly disclosing what the finance charge is? why was i forced into paying for insurance when that as well should have been including in the finance charge? advertising down payments? under section 1640 of tila when a consumer is not fully disclosed the true meaning of the transaction and what is really happening under the open ended credit plan that used for personal family and household purposes shall be liable for double the finance charge. 
i am still demanding verification or debt, validation of debt, and all accounting on and off ledger and documentation ally has suffered loss and damage. i request you stop sending statements and provide valid proof ally financial is a said creditor. 
that proof shall not include consumer contract. because as per judgement pacific concrete F.C.U v kauanoe the consumer contract is not sufficient evidence of a debt also provide a audit trail of the transaction originated by you.
Product: Credit reporting or other personal consumer reports

EQUIFAX continuously has data breaches. 
EQUIFAX HAS imposters. 
I am a victim and I am a victim of Identity Theft and FRAUD by Equifax. 
Equifax continues to violate FCRA & posts a FAKE account, PUBLIC SERVICE XXXXNOT MINE & NO CONTRACT, on my credit report & refuses to send me USPS a Equifax legal copy of my credit report. Equifax XXXX Account Take Over=cyber IDENTITY THEFT AND FRAUD. 
I have a permanent fraud, security freeze & opt out on my Equifax credit report.

Equifax has violated all 3 above and posts FAKE EVERYTHING and UNAUTHORIZED & no court order, soft & hard INQUIRIES =DELETE ALL INQUIRIES.

DELETE PUBLIC SERVICE XXXX. 
Increase my credit score and USPS MAIL ME MY EQUIFAX CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX correct this XXXX XXXX, AZ XXXX XXXX XXXX XXXX Police Identity Theft Report
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX Date of XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX XXXX XXXX XXXX XXXX, Tx XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXXXXXX XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # XXXX Bank : XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXXXXXX XXXX  XXXX Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX Bank XXXX Open XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXXXXXX XXXX ( XXXX XXXX ) Account # XXXX Routing # XXXX Bank : XXXX XXXX XXXX XXXX ( Open XXXX ) Account # : XXXX Routing # XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open XXXX ) Account # XXXX XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts in my report. Im requesting the following information be deleted from my XXXX XXXX XXXX report immediately! Ive attached a copy of the report to this request. 
Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Debt collection

First Federal Credit Control is reporting incorrect information on my credit report showing the following information : Date Opened : XX/XX/2017 Account Type : Collection Balance : {$270.00} I have never had any legal or signed contracts with this company yet they insist on reporting to my credit file. I have submitted a formal dispute to no avail.
Product: Credit card or prepaid card

Capital One credit card is in violation of federal Equal Credit Opportunity Act because they have denied me credit without giving me a fair process and my credit decision Capital One stated that there was an extended hold on my credit report what they were going to contact me in order to verify my personal identification they have not contact me during the application process and have denied me my right to credit
Product: Credit reporting or other personal consumer reports

I submitted a request to have my personal information that was incorrect on my report removed. I submitted the proper documentation per Experian 's website to prove my identity. Experian is still reporting incorrect information on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian  are fraudulent on my accounts : XXXX XXXXXXXX XXXX  is fraudulent on my Account Number : XXXX XXXX/XXXX  XXXX is fraudulent on my Account Number : XXXX XXXX/XXXX  XXXX is fraudulent on Account Number : XXXX
Product: Debt collection

This collection agency out of no where added a collection to my report in which they failed to validate debt or furnish any proof of correct identity. It was reported on  XXXX  2017. I am not aware of this collection and it is messing up my credit score.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction with the repeated and ineffective attempts to remove fraudulent items from your platform. Despite my persistent efforts to report these fraudulent listings, I have encountered significant delays and obstacles in their removal, which is highly concerning. 

However, I am disappointed to note that despite my diligence in reporting these fraudulent items, they continue to persist on your platform for an unacceptable period. This not only reflects poorly on the integrity of your service but also exposes your users to potential financial loss and other risks associated with fraudulent activities. 

Furthermore, the lack of transparency and communication regarding the status of my reports has only exacerbated my frustration. I have received minimal updates on the progress of my complaints, leaving me in the dark about the actions being taken to address these issues. 

As a loyal user of your platform, I expect better accountability and responsiveness from your company when it comes to combating fraudulent activities. It is imperative that you take immediate and decisive action to improve the effectiveness of your fraud detection and removal processes. 

I urge you to allocate additional resources to expedite the removal of fraudulent items from your platform and enhance communication with users regarding the status of their reports. Implementing stricter verification measures for sellers and investing in advanced fraud detection technologies are also crucial steps to prevent the recurrence of such incidents in the future. 

Failure to address these concerns promptly will not only undermine the trust of your user base but also expose your company to potential legal and reputational consequences. I implore you to take this matter seriously and prioritize the protection of your users from fraudulent activities. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX Balance : {$120.00} XXXX XX/XX/year> XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the Experian credit bureau that I was a victim of Identity Theft. It seems the Experian credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$300.00}
Product: Mortgage

I have a modified mortgage issued via XXXX Mortgage in XXXX, as part of the Obama XXXX  protections and XXXX programs. That mortgage had a low interest rate and when they confirmed my " underwater '' status, XXXX moved {$170000.00} to the back of the loan as defferred principal ( non-interest bearing ) instead of writing off principal. XXXX Mortgage later began servicing the loan and is owned by XXXX. 

I was not making my payments on time in XXXX due to some personal hardships. I was working to catch them up, and in XXXX I made XXXX payments which effectively made me XXXX month past due. 

On XX/XX/XXXX, a XXXX representative contacted me, said that XXXX " noticed that I seemed to be having trouble making my payments on time. '' I explained that I had been experiencing some hardship but was working to catch it up. The agent then suggested that I accept a XXXX agreement. He advised me that if I skipped my next ( XXXX for late XXXX payment ) payment, which then effectively made me XXXX  months past due, XXXX would move my XXXX late payments to the back of the loan or offer me a repayment option after I made payment in XXXX, XXXX, and XXXX. When I attempted to make my payment in XX/XX/XXXX, I was unable to do so. When I called XXXX I was informed that I needed to apply for an entire new loan. Due to the delay in that process, I became another XXXX  months late. 

They offered me a new modification, but I could not see the details until I made XXXX trial payments. I made the payments and received the new agreement on XX/XX/XXXX. 

This new modification reduces my monthly payment amount {$150.00}, moves the now XXXX late payment to the back, and alarmingly - increases my balloon payment by {$100000.00}. 

It took several phone calls to PHH to ultimately determine that the {$89000.00} difference is due to them now charging me interest on what was supposed to be deferred principal. XXXX owns PHH mortgage, and seems to be attempting to force me to recoup the losses for them by negating my previous XXXX modification agreement. 

I believe that this mortgage group, PHH which is owned by XXXX which is owned by XXXX XXXX is targeting modifications they were forced to provide under the make home affordable act. I believe they intentionally coerced me and maneuvered me into a position that made it very difficult for me to get out of it without agreeing to pay them an additional {$89000.00}. 

XXXX has had several class action suits filed against them, for violations including violations of fair lending and improper employment practices. There seems to be no physical location for PHH Mortgage or XXXX. Onity headquarters seem to be based in XXXX XXXX XXXX Florida, as is XXXX. PHH is in some places described as an XXXX owned company. The XXXX XXXX XXXX XXXXXXXX has had to step down from previous XXXX positions for fraud and inappropriate lending practices. I sincerely believe they are making targeted effort to do this, I expect I am not the only homeowner they have targeted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in Transunion. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXX XXXX
Product: Debt collection

Stayed with a buddy for 1 month and hooked up XXXX XXXX for internet. they put his past due bill on my account because it was the same address that he had XXXX XXXX and didn't pay his bill. As you can see I paid for the month I was there.
Product: Credit reporting, credit repair services, or other personal consumer reports

dear XXXX XXXX This letter is a formal request to correct inaccurate information contained in my credit file maintained by your organization. The item listed below is completely inaccurate, incorrect, misleading and is a very serious error in reporting. 

XXXX XXXX : account # XXXX Additionally, I have enclosed a copy of the credit report your organization provided to me on XX/XX/2022 and circled the item described above. 

Under the federal Fair Credit Reporting Act, credit-reporting agencies are required to maintain and report only 100 % accurate credit information and to investigate any claims of inaccuracy within 30 days of receiving such a claim. I respectfully request you investigate my claim. 
If after your investigation, you find my claim to be valid and accurate, I request that you immediately delete the item and supply a corrected credit profile to me. 
Additionally, within 15 days of the completion of your re-investigation, please forward to me a description of the procedure used to determine the accuracy and completeness of the item in question. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX {$570.00} XXXX XXXX {$1300.00} XXXX XXXX XXXXXXXX {$0.00} XXXX {$0.00} XXXX XXXXXXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor did not respond to the investigation within 30 days
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Balance Owed : {$540.00} ; XXXX XXXX  Balance Owed : {$4000.00} ; XXXX XXXX  Balance Owed : {$1800.00} ; XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$1800.00} ; XXXX XXXX Balance Owed : {$3300.00} ; XXXX XXXX Balance Owed : {$1800.00} ; XXXX XXXX Balance Owed : {$3200.00} ; XXXX XXXX Balance Owed : {$1700.00} ; XXXX XXXX Balance Owed : {$3300.00} ; XXXX XXXX  Balance Owed : {$2500.00} ; XXXX XXXX Balance Owed : {$1800.00} ; XXXX XXXX  Balance Owed : {$2500.00} ; XXXX XXXX Balance Owed : {$1800.00} ; XXXX XXXX Balance Owed : {$2500.00} ; XXXX XXXX  Balance Owed : {$4200.00} ; XXXX XXXX Balance Owed : {$2500.00} ; XXXX XXXX  Balance Owed : {$4200.00} ; XXXX XXXX Balance Owed : {$3200.00} ; XXXX XXXX Balance Owed : {$1800.00} ; XXXX XXXX Balance Owed : {$1800.00} ; XXXX XXXX Balance Owed : {$3300.00} ; XXXX XXXX Balance Owed : {$2500.00} ; XXXX XXXX Balance Owed : {$1800.00} ; XXXX XXXX Balance Owed : {$2500.00} ; XXXX XXXX Balance Owed : {$4200.00}.
Product: Debt collection

I 've been getting debt collection phone calls for a person named " XXXX XXXX '' for at least 6 months now. That is not me and I have no debt/credit issues. They keep changing their number and I keep blocking them. Today they gave me some info. They said they are from " Pioneer XXXX Recovery '' and their number is XXXX. They said to use the " Reference ID # XXXX. ''
Product: Credit reporting or other personal consumer reports

HERE ARE A LIST OF ACCOUNTS THAT ARE INVOLVED IN LITIGATION ... ... ...... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXIST
Product: Credit reporting or other personal consumer reports

I submitted a previous complaint against a NCB Management for attempting to collect an alleged debt assigned by XXXX. NCB did not send all requested documents. Since NCB is alleging they hae a legal right to collect this alleged debt they are also bound to terms and conditions of the agreement entered into with XXXX. This is their notice that arbitration has been filed.
Product: Credit card or prepaid card

On XX/XX/XXXX I've filed an original claim to CFPB. Here 's the text 'In late XX/XX/2019 I've managed to purchase XXXXXXXX XXXX XXXX XXXX headphones at XXXX XXXX After I've unboxed I've discovered that left ear was defective and it wasn't charging, nor playing music, while right one was working fine. I've vocalized my concern to XXXX customer support over the phone and been provided with return label altogether with return form. The item has been returned to XXXX facility in XXXX, KY, nevertheless I didn't see a refund posted back to my account. Please, consider all supported documents attached such as a copy of return form, return label, ups tracking information and proof of delivery. ' After submitting it, Chase representative contacted me within 2 days and promised that Chase will investigate further, altogether with previously submitted documents. Representative left his phone number XXXX with extension XXXX and promised to get back with an update on a resolution. After a month waiting I gave him a call and left a voicemail, asking for a callback with an updates. Never returned. Then another one, and another one.
Product: Credit card

In XXXXXXXX XXXX while using the Ally Bank app, I encountered a prominently displayed offer stating, 'Pre-approved! Get 0 % APR for 15 mos. with Ally 's Everyday Cash Back Mastercard. 22.99 % APR after. Get Offer. ' This was positioned above my account balances, giving the impression of an exclusive, direct offer from Ally Bank. There were no disclaimers or indications that this was subject to credit approval or involved a third party. 

Believing in the legitimacy of this pre-approval, I proceeded to apply for the card because I wanted to strengthen my relationship with Ally Bank as I intend to apply for a mortgage in the near future. My financial standing at the time included a credit score of over XXXX, with responsible credit usage ( less than 6 % of my available credit ), no debt collections, no late payments in more than five years, and a very strong financial profile. However, to my surprise, the application was denied. This denial was not only unexpected given the 'pre-approved " status but also adversely affected my credit score, as it introduced an unnecessary inquiry. 

Following this, I reached out to Ally Bank seeking explanations and resolutions. I asked for specific details on why the offer was presented as a pre-approval when my application was eventually subject to further scrutiny and denial. Furthermore, I inquired about the measures they could take to rectify the situation, such as removing the credit inquiry from my report or reconsidering the application in light of the misleading information provided and the very reasonable belief that this had to be a mistake. 

The responses from Ally Bank were inadequate, even hostile by a supervisor, failing to address the core issues of misleading presentation and its impact on my credit. There was no satisfactory explanation provided for the discrepancy between the offer and the actual application process, nor were there any concrete steps proposed to amend the negative impact on my credit score. There was literally no way for me to escalate the matter internally that might have led to a fair resolution. 

I would also like to note I continue to receive this offer in the app, even after being denied, and Ally Bank will not provide an explanation for this. Honestly, it just feels like pouring salt in the wound. I will attach these screenshots to this complaint.
Product: Credit reporting or other personal consumer reports

Dear Experian I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please so kind as to delete this inaccurate information from my credit profile within the next thirty days, I would greatly appreciate it. Its my understanding that you have up to thirty days to follow through on my request so if I dont receive any updates from you within that time frame, then I know that these inaccuracies must be removed automatically. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is XXXX XXXX XXXX. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 


My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

XXXX XXXX XXXX XXXX XXXX XXXX, Please remove it from my credit report. 


My SSN : XXXX You are not authorized to report my Social Security Number on my credit report or sell any information containing my Social Security Number to any company. Reporting my social security number on my credit report arises a safety issue and opens me up to potential identify theft. Immediately Delete any and all social security numbers that your company is reporting on my credit report. 

My date of birth is DOB XXXX XXXX XXXX XXXX. I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 


I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 


I do NOT have any requisite spouses/ roommates/ co-applicants and I do NOT desire any spouses/ roommates/ co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 


Thank you, in advance, for honoring my requests. I would like an updated version of my corrected profile as soon as you have deleted the inaccuracies Ive listed above. 


Sincerely, XXXX XXXX XXXX