23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I would like to re-new my complaint against Portfolio Recovery Associates because they continue to contact me after I have asked them to stop because they were not able to validate any debt they had against me. all they have done is pester me all night with voicemails and phone calls, sometimes even very late at night. They claim I owe them {$450.00} and must be paid immediately, they are threatening me with more and more interest everyday and I have told them to removed this account from my credit reports because I do not owe anything two them. After my card was closed I entered into a payment plan and whatever they are doing is illegal because at this point i am paying double for the same debt and this makes no sense. I get calls from family embers who I do not live with and they claim that these companies are calling them and asking for me regarding a collection and its so embarrassing! I have not had a card with XXXX XXXX for over 10 years, where is this coming form now?
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

I am having issues with my XXXX XXXX credit card. Earlier this year i had some fraud occur on the account and it lead to a late payment to my credit report in XXXX of 2017. I contacted citibank and they sent me a letter stating that a request was sent to the credit bureau to have the 30 day late payment removed. It has not been removed and I have disputed with credit bureau and they state citibank is not removing from bureau.
I also have another recent issue with them where apparently my mail is being returned to them from the post office so i did not receive my last statement and the account went 31 days late. I tried calling in to speak to someone onXX/XX/XXXXand the fees were credited due to the proof of the mail being returned but i am afraid they are going to do to me the same thing they did earlier this year. Neither of these issues are my fault and need to be token care of.
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed.

Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM 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
Product: Debt collection

I getting almost daily calls from this agency, threatened and tried to garnish my unemployment benefit, I am still unemployed
Product: Credit card

To Whom It May Concern : I am writing to report a series of unauthorized charges on my Chase Sapphire credit card linked to the XXXX payment app, XXXX XXXX and to raise concerns over Chases mishandling of my fraud claim. 

While traveling in XXXX, I linked my Chase Sapphire credit card to XXXX to make transactions locally. To complete this setup, I was required to submit extensive personal information, including a selfie, a photo of my credit card, a statement, and my drivers license. 

During my travels, my phone and wallet were pickpocketed. After returning home, I discovered over XXXX unauthorized transactions made through XXXX. I promptly reported these charges as fraudulent to Chase. However, despite my documentation and report, Chase concluded that these charges were valid, stating that since I had provided my information to XXXX, all subsequent transactions were considered authorized. Additionally, they justified their decision by referencing that some legitimate charges were made on my laptop in between these fraudulent transactions. Chase customer service also erroneously underreported my fraudulent transactions while I was over the phone. As a result, they said it was because I did not report all XXXX charges are fraud, therefore it does not match the guidelines of fraud. 

I believe Chases refusal to reimburse these charges is unreasonable and lacks adequate consumer protection. Although I provided initial information to XXXX for legitimate use, I did not authorize or intend for my information to be used for fraudulent purchases following the theft of my devices. I am requesting an investigation into Chases practices regarding fraud claims in cases of international data breaches and unauthorized transactions. 

Thank you for your attention to this matter. I look forward to your support in ensuring proper consumer protections are upheld. 

Sincerely, XXXX XXXX
Product: Mortgage

My mortgage company verbally, and in writing, threatened foreclosure. It made me accelerate payments that I could not make and which have destroyed my finances in the short term. I am filing this complaint because my lender never offered me a loan modification. I am currently applying for a streamlined loan with XXXX. If my lender had advised me of this option, I would have applied for it instead of making the payments which have made me insolvent over the summer months. I am angry, upset and frustrated that I was verbally threatened with foreclosure instead of being offered this option.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX* Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX Reported : XX/XX/XXXX OXXXX XXXX   XXXX Reported : XXXX XXXX, XXXX XXXX XXXX XXXX Reported : XX/XX/XXXXThe items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA XXXX furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22, I received email correspondence, from Experian, stating that their investigation into my consumer dispute was completed. Per Experian 's correspondence, they state that their " role in the dispute process is to review the accuracy and completeness of any disputed item. '' According to Experian 's written notification, they did not do this. On XX/XX/22, I looked at the results provided by Experian and I immediately called Experian customer service to find out why my credit report " still '' contains inaccurate information, after I, the consumer, told them the information was in fact in accurate and I supplied proof of inaccurate reporting via paid receipts. The agent on the phone ( XXXX ) was extremely rude as I explained that I have already submitted a dispute regarding 2 accounts that were inaccurately reporting. I asked to speak with a supervisor however XXXX threatened to release our call several times until I explained that continuing to report these inaccuracies on my consumer report is illegal, pursuant to 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and it states " If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate. The way I was treated was unacceptable. I was harassed and I felt threatened. The information that I submitted should have " modified '' the 2 accounts that are currently inaccurately reporting, " and '' I should not feel as though I can't trust Experian with my personal and private information. I feel that my privacy is being violated and unprotected as a consumer. I am submitting my complaint, and documented proof for a correction to my consumer report. If not, I am prepared to take further action, as this is clearly breaking the law.
Product: Debt collection

The Credit Bureaus are not removing this incorrect information from my credit report TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Vehicle loan or lease

After having moved to XXXX  from XXXX in XX/XX/XXXX, I tried to get BMW Financial Services to send my title to the MVA to get my car registered. MVA claimed to have never received the title and I was unable to register the vehicle. I continued to call back and forth with BMW having claimed to have sent out the title multiple times over the next 10 months until the XXXX  registration expired on XX/XX/XXXX. From this point on the car was undriveable. In XXXX of XXXX, BMW was supposed to have sent out the title, after contacting the MVA multiple times and them saying it was never received, I called BMW again. BMW then said they have never sent it, sorry ... I continued to contact BMW Financial and the MVA to get this situation resolved, and by XX/XX/XXXX I gave up as there was no longer a point to register the vehicle for the next 3 months before I could turn in the BMW early. I paid all payments on time and continued to insure the vehicle. BMW refuses to work with me on this situation. I even considered trading the vehicle in early just to get a vehicle that would be drivable. I called today, as the COVID-19 situation my company has closed down due to a mandatory order from the Mayor of DC. One representative sent me to another saying that with the unique situation they couldn't see why they wouldn't be able to waive a payment or more. After paying close to {$7000.00} in payments and $ 1500+ in insurance that I could not be driven for 8+ months, BMW refuses to concede anything for this issue. I was unable to register this vehicle through no fault of my own. 

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

Consumerdisclosure.com reports to XXXX XXXX XXXX XXXX that I had a XXXX car. I talk to LexisNexis company, and let them know it was not me, I never own a XXXX auto. 

LexisNexis Risk Solutions, XXXX XXXX XXXX, XXXX, GA XXXX, XXXX. 

Policy # XXXX Thank you!
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against TransUnion Credit bureau regarding inaccuracies in my personal information as reported in my credit report. 

Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is listed incorrectly on my credit report as XXXX XXXX. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXXXXXX XXXX  XXXX, FL, XXXX ; but my credit report shows an outdated address as XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL, XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, FL, XXXX. I request that my current address be updated accordingly. 

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Product: Credit reporting or other personal consumer reports

The old criminal charge needs to be taking off I paid a fine over XXXX yrs ago for that and it was completed I just want to go to work for my children and this is very much stopping it
Product: Debt collection

I had an old XXXX account that was reflecting on my credit report as not paid, but i paid this account through a third party on XX/XX/2018 and no one reported it to the credit reporting agencies. It came up when i applied for an apartment with XXXX XXXX. All i needed was proof that the account was paid so that i can be qualified for the rental. I got disqualified because the Law Office of Harris and Zide was unable to supply me with the letter indicating that I paid it in full and they bounced me back to contact XXXX. I called XXXX and they stated they sold this account and that there is nothing then can provide to me. They referred me to contact XXXX XXXX and they stated they had nothing on the account since it was sent back to XXXX. XXXX and XXXX XXXX blame each other on who was suppose to report this to the credit reporting agencies. I was never able to get a letter and I missed my opportunity in getting the rental. I am unable to move the request to another property because I can not get proof that this account was paid. According to XXXX, they stated they will report it, but it would take XXXX days. Again, i can not get approved for a rental because no one was able to provide me proof that I paid this account in full. At this point I am stuck and no where to turn for help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) have violated my rights .

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 an account without my written instructions.
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 USC 1681. 

XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX has violated my rights. 


15 U.S.C 1681 section 602A. states I have the right to privacy. 15 U.S.C 1681 section 602A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681 c ( 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.
Product: Mortgage

We have no clue how to pay our loan. We have tried to contact loan Depot multiple times and just get transferred around to tons of people. No one can find our loan or find any existence of any loan we have ever had with loan depot. We have made 2 loans with them. One currently and they can not find it for us to pay on it. We were promised that all loans of our type are service by loan depot and never sold.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank youXXXXXXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

After filing a dispute from a identity theft investigation Jefferson capital agreed to remove a collection from my credit profile, it was removed and then later added back numerous times causing my score to drop multiple times and double jeopardy was in fact executed. I have proof of the removal and now it is showing up again months later. I want this removed immediately because this was in fact not mine to begin with and then lied to that it would be removed and then it was replaced.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please CFPB can you send the following documents to XXXX XXXX. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Has really screwed up my credit report. They have two HUGE errors and I am asking for correction and monetary settlement due to their errors.

They once again have put a DISPUTE CODE/STATEMENT on my XXXX XXXX account ( XXXX ) I have never disputed anything with them or the company and I am demanding that this statement and all dispute codes be removed from my credit report and that this never happen again. ( SEE PROOF ATTACHED ) They have also now removed a good standing account ( XXXX XXXX XXXX XXXX account from my credit report ) All good payment history gone because of these idiots and their violation of the FCRA. They have also put on there that I have disputed this account and a REINVESTIGATION is in  process. I personally spoke with my rep at XXXX XXXX XXXX XXXX and they have informed me that no dispute was ever opened. This account and all past positive credit payment history is DEMANDED to be put back on my report and that my report not be touched like this again. 

I am demanding that all incorrect information be removed and that a monetary reward of XXXX per instance a total of XXXX be rewarded to me because of this companies arrogant and incorrect behavior and because they are causing financial strain on me to take time out of my busy schedule to stay on top of this.
Product: Debt collection

I signed up with a debt management plan XXXX. For nearly three months this plan has forwarded checks over to Rent Recovery to pay this debt. Rent Recovery has received and cashed these payments. XXXX called to try to see if they will continue receiving payments and become apart of the plan, they could not get ahold of anyone and were transfered to voice-mail. I called to see what was going on and they say they have not received any payments on my account. I have made payments and they transferred me to a voice-mail as well. It has been months of being transfered to a voice-mail.
Product: Credit reporting or other personal consumer reports

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally XXXX because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Product: Debt collection

Received a letter from Mercantiile Adjustment Bureau, placed into collections from XXXX XXXX XXXX. 

Retained attorney and in the process of filing BK. Cease and desist
Product: Credit card or prepaid card

On XX/XX/2022 I noticed a big change on my credit score via the XXXX XXXX. A fraudulent account had been opened under my name and social security number for the credit issuer " XXXX XXXX '' the account # is XXXX. A XXXX XXXX purchase was made with it and it is currently over 60 days past due. I never placed any order nor did I open the account sign or date. I made contact with XXXX XXXX ( Loss & Prevention ) for XXXX XXXX via phone at XXXX to dispute the account and they have now marked the account as fraudulent.