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

To Whom It May Concern : I was recently made aware of a negative inaccurate item on my credit report by your company. This account shows as written off on my credit report and I have not received a 1099-c. Please supply me the 1099 c. This is false reporting and if not removed I will move forward to suing for statutory damages. I request that you please do the following within 30 days : 1. A copy of the original contract or agreement that forms the basis of the debt. 2. A detailed itemization of the charges, including dates, amounts, and descriptions of services or goods provided. 3. Proof of ownership and chain of assignments, including : - Assignments or transfers from the original creditor. - All subsequent assignments or transfers. - Verification of each assignment 's effectiveness date. Proof that you licensed in my state, and provide me with your license number ; 1. Verification of the accuracy of the debt amount. 2. A statement indicating whether the debt is subject to any statues of limitations or other defenses. If you fail to provide this information within the specified timeframe, we will consider the debt to be unvalidated and potentially invalid.
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint regarding AFFIRM INC and their persistent reporting of inaccurate information on my credit report, specifically tied to Account Number : XXXX. Despite multiple disputes and numerous attempts to resolve this issue, AFFIRM INC has failed to correct or remove the erroneous information. This inaccurate reporting has significantly damaged my credit score and is providing false and misleading information to potential lenders, impacting my ability to secure credit and financial opportunities. I have repeatedly reached out to both AFFIRM INC and the credit bureaus, yet no resolution has been offered, leaving me in a position where my financial stability is being jeopardized.
Product: Debt collection

Debt collection agency Told me my name and last XXXX of my social security. I did not have to verify anything I just stated yes it is my social security number. This is a blatent release of my sensitive information and I would like action taken if possible. 

AMSHARE - Manager XXXX XXXXaddress XXXX XXXX XXXX. 
XXXX, Alabama XXXX
Product: Debt collection

XXXX XXXX of Lakefront Processing Solutions called and left a voicemail on my phone saying there 's a claim against me and referenced claim number XXXX. She called from XXXX ( a spoofed fake phone number ). She wants to verify my address to present me with my formal claim at my residence and place of employment. She goes on to say at this point I have an opportunity to call the firm handling this claim to discuss the matter at XXXX. She then ended the call saying I was officially notified. I do have this message saved on my voicemail so I do have proof of this call.
Product: Debt collection

Jefferson Capital place a hard inquiry on my credit report. This account appears to be a recurring issue that I disputed years ago. Jefferson Capital reported on XX/XX/year> that I opened an account. I never opened an account or did any business with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Meridian Financial has fraudulently reported a single collection account obtained from XXXX XXXX as three different accounts to both XXXX and XXXX. I have written to them several times to correct this error and received a statement confirming that this is indeed a single account but my demand for correction to the reporting has been ignored. Attached is my statement from XXXX XXXX confirming that this is, in fact, one single collection regarding a single XXXX XXXX account and not several.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting letter since XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my final attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized remaining inquiries listed below : XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

After noticing that I had a debt appear on my credit report from Paragon Revenue Group, located in North Carolina Permit No. XXXX. I reached out and made contact with them via phone inquiring on what the debt was. After speaking with several associates who claimed to work for Paragon Revenue Group. During these phone calls, I was advised by the associates that I owed a debt to XXXX XXXX XXXX XXXX. So I made arrangements to start making payments on the account. At first, I was making payments from my bank account, I paid a little over {$400.00} from my bank account before my husband paid the remaining balance on his credit card. Once my husband was informed by me that this was on my credit report we made arrangements to pay the bill off in its entirety in the sum of {$760.00}. After requesting several times that the company send a statement that the bill was paid in full. Paragon associate XXXX advised me on XX/XX/2022 that he was going to put it in the mail for me and a month before that I was advised the same thing. On XX/XX/2022 I spoke with Supervisor XXXX XXXX with Paragon Revenue Group and she advised that XXXX did not send it via mail because I was claiming that I did not receive it the last time in the mail. Now they're claiming that they said they sent it via email. After I never received it this prompted me to call XXXX XXXX XXXX XXXX to speak with their billing department. I spoke with the billing department and was advised that my bill had been written off as charity and Paragon was not supposed to be collecting on that bill anymore.
Product: Student loan

I never applied for the said student loan nor i had ever intended or will ever intend to apply for student loan with XXXX XXXX XXXX. I had informed the company and the company requested affidavit confirming this and I, a victim of ID theft, has executed the attached affidavit to that end.
Product: Debt collection

On XX/XX/XXXX our Bank paid off our loan with a check for {$460.00}, the amount that we owed was {$410.00} on XX/XX/XXXX when I called. In XX/XX/XXXX, I called them again because we were waiting for the difference of the refund for {$45.00} and the letter of the cancelation. Then, the manager of the floor told me that we still owed {$23.00} for a check that was without founds in the last months that the system reflect on XX/XX/2020, so that the total amount that we owed now was {$23.00}, so they had not a payoff in the account. 
I told him that even we called on XX/XX/XXXX to know the right amount, and now he said that we owed this {$23.00}, The {$460.00} check will be enough to pay it. Because even with this new amount for {$23.00} added to the {$410.00} the total new amount was for {$430.00}, so will be enought to paid with the {$460.00}, pay off, and still refund a check for {$22.00}. He told me that in the system they haven't this amount for {$460.00} just {$410.00}, I told him that I have the copy of the check fortunately, so he told me that I need to send to them by fax. I told him that if he give an email I will send it, but we don't will go to send it by fax because we have high risk health with the XXXX, and they have to investigate it. He told me that he will, and call him later. Today I call him again, and he didn't investigate anything, the other customer service that answer the call, he said that I need to send it by fax or they don't. First, what happen if I don't have the copy of the check? Second, I pay more that we owed, we did the pay off, and know they said that we owed, they don't want to send us the cancelation letter and investigated what is going on, and put us in risk. I can't believe that they don't have any form to see the copy of the check or ask for it. A manager can't do that? I told them that I will complaint with the CFPB, and the employee of today he told me that they have rules than protect them, but we the consumers also have protection. The protection 's rules of this Company don't incluide to write different amount for the original check, plus no be responsable for it. I want a professional answer, I want the pay off of our loan, the letter of the cancellation, and the different of the refund {$22.00}. The system that they have suppost that have a lot mistakes, because when I call on XX/XX/2020 has to be the information of this additional {$23.00}, because in their system it was reflect on XX/XX/2020, and they never told me nothing about this amount this day. All this inconvinience affects our credit, and plus now they want affect our health, just because their system doesn't works properly we have to expouse to the COVID19? XXXX
Product: Mortgage

On XX/XX/XXXX, Shellpoint Mortgage Servicing mailed a notice of Mortgage Payment Change of {$860.00}. Since this notification of mortgage payment change, Shellpoint has sent monthly mortgage statements showing the following balance to be paid for each month : 1. XX/XX/XXXX ( {$1300.00} ), 2. XX/XX/XXXX ( {$1300.00} ) 3. XX/XX/XXXX XXXX {$1300.00} ) 4. XX/XX/XXXX ( {$1300.00} ) 5. XX/XX/XXXX ( {$1300.00} ) 6. XX/XX/XXXX ( {$1300.00} ) 7. XX/XX/XXXX ( {$1300.00} ) 8. XX/XX/XXXX ( {$1300.00} ) 9. XX/XX/XXXX ( {$1300.00} ) XXXX. XX/XX/XXXX ( {$1400.00} ) 11. XX/XX/XXXX ( {$1400.00} ) 12. XX/XX/XXXX ( {$1500.00} ) 13. XX/XX/XXXX ( {$930.00} ) I have requested from Shellpoint a detailed explanation for the additional charges showing as overdue payment. Shellpoint has made false claims of not receiving monthly payments. After forwarding proof of payments from bank records and requesting payments to be credited to my account. Shellpoint continued to add overdue payments and late fees. On XX/XX/XXXX, I sent a check to Shellpoint for {$1500.00}. As of XX/XX/XXXX, the Shellpoint Monthly mortgage statement still shows an overdue payment of {$310.00} and the {$1500.00} paid on XX/XX/XXXX not properly credited. After two years of disputing bogus charges and lies about not receiving payments Shellpoint sent a refund check in XX/XX/XXXX in the amount of {$1000.00} showing as a surplus with no explanation about what the refund represents.
Product: Mortgage

Rocket mortgage ran my credit yesterday XX/XX/22 without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 car was criminally damaged, a unknown person or individual intentionally caused damage to my vehicle. damage outside and inside the vehicle, white unknown substance was poured in the engine, radiator and gas tank, which caused damage to the engine, engine, is fully blown, I requested XXXX XXXX XXXX XXXX to come and pick up the vehicle, vehicle is still sitting. and incorrect information is reporting incorrectly on my credit report, i have full coverage with XXXX and XXXX refuses to pay, so I had no choice but to request vehicle be picked up... .we have made many calls to impound and nothing is being done at all, they should be putting a hold on this issue until we get this all squared away...
Product: Credit card or prepaid card

I have a XXXX XXXX through XXXX XXXX. My Loal Store closed XX/XX/18 I have cash back due in XX/XX/XXXX and they send a check good only in the store. The nearest store is now 2 Hours away and they say they can not send a regular check?
Product: Credit reporting, credit repair services, or other personal consumer reports

There is one account and two inquiries on my Transunion report that does not belong to me I need this off my report since I have not signed, used or approved this account. 

Account Name : XXXX Account Number : XXXX Reason : This is not my account INQUIRY Creditor Name : XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Date : XXXX XXXX, 2020 Reason : I don't recognize this inquiry
Product: Credit reporting or other personal consumer reports

I sent this to XXXX XXXXXXXX, amex, and XXXX XXXX. 

I hope this letter finds you well. I am writing to inform you of my decision to exercise my rights under the provisions of 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) regarding the sharing of my nonpublic personal information. 
As a federally protected consumer, I hereby formally opt out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, that I may have previously given to your institution for the sharing of my nonpublic personal information with non-affiliated third parties including the consumer reporting agencies for any purpose I wish to exercise my right to safeguard the privacy and security of my personal information and to restrict its sharing with third parties, particularly for marketing or other purposes not directly related to the financial services I have with your institution. 
Please take immediate action to ensure that my nonpublic personal information is not disclosed to non-affiliated third parties and consumer reporting agencies in violation of my opt-out request. I trust that your institution will comply with all applicable federal regulations and laws, including the GLBA, to protect my privacy and information security. 
I kindly request written confirmation of my opt-out request, acknowledging that my decision has been processed and implemented.
Product: Credit reporting or other personal consumer reports

I value your help in removing a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor XXXX from any of the following accounts. Block and remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Debt Collection from XXXX XXXX XXXX in amount of {$130.00} does not belong to me. Result of Identity theft. Federal Trade Commission Fraud Affidavit attached to confirm. Please remove.
Product: Mortgage

My husband and I were facing foreclosure back in 2005 for property located at XXXX XXXX XXXX in XXXX, Texas. We had a mortgage insurance policy in place at the time. We approached the mortgage company, XXXX, regarding a short sale to prevent the forclosure process. XXXX told us that we could " only sale the property if we signed a promissory note to pay back the insurance company '', XXXX XXXX XXXX We sold the home and are currently paying back a non-collateral promissory in the amount of {$20000.00}. We recently discovered that this practice was inappropriate/and illegal for both mortgage and insurance companies.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) - Account Number : XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously been the victim of identity theft and now have some more items appearing on my credit report that were not done by me or authorized. I will be placing security locks on all three bureaus to prevent this in the future. The list of Unauthorized Inquiries are : Creditor Name Date of inquiry Credit Bureau XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX. XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX TransUnion
Product: Credit reporting or other personal consumer reports

I am a victim of human trafficking of Debt bondage and would like for all listed accounts to be BLOCK AND DELETED. ( 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 received a copy of my Equifax credit report and noticed my score dropped XXXX points due to XXXX XXXX being added back to my report without any notification from Equifax or XXXX XXXX. I advised Equifax that this account is in litigation and that it needed to be removed. Equifax removed the account and XXXX later they added the account back with no notice. This account is still in litigation. This is causing me to have emotional stress and I feel like I am losing my mind and I am having nightmares due to this stress of this situation. I am in the process of applying for employment and hope to be purchasing a home also. I demand this account be deleted immediately.
Product: Credit reporting or other personal consumer reports

I made a previous report to the CFPB about incorrect addresses on my credit report on Experian. I requested that they be removed as I have never lived at said addresses, and they have negatively impacted my XXXX XXXX. On XX/XX/XXXX I viewed my credit report again and found that XXXX of the addresses were still attached to my credit report even though I've never lived there in my life, XXXX being XXXX XXXX XXXX XXXX XXXX, TX XXXX and the other XXXX PR XXXX PL WASHINGTON, DC XXXX XXXX I tried to have them removed from the site, but Experian said that XXXX agencies had listed those addresses as attached to my name. I have been a victim of identity theft since XXXX and I have already submitted my report. I would like to reiterate that I NEVER lived at the above-mentioned addresses!
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items 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 items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 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 previously had XXXX car insurance and when switching to another company I contacted them and asked for my final payment to close the account in good standing. I paid the amount that I was told through auto debit through my credit card. 

Upon looking at my most recent credit report it is showing that I have a {$64.00} balance that is now in collections. This is an error and I would like the account to be removed as the account was in good standing when I closed it, but now it's seriously affecting my credit score.
Product: Vehicle loan or lease

Began process of purchasing auto at end of car lease on XX/XX/XXXX. After repeated problems with Hyundai Motor Finance saying that that the forms were not complete, and resubmitting forms over a period of a month, XXXX website finally indicated that title was sent. Title was sent to wrong address.When I called back, I was told that it would be resent to the correct address, and that it would take about 20 days. When the title did not arrive and I called back, I was told that the title was NOT sent because the rep made a mistake and indicated that it was a retail account, not a lease. Her name was XXXX and she said that she would escalate the issue and that the title would be sent to the correct address. Request # XXXX was opened, and I was told that I would get a call back from a supervisor within three business days. When that did not happen, I called back again and spoke with XXXX, who said he was a supervisor. Did not know why I did not get the call back, and created what he called a " corporate '' escalation '' number XXXX. Said I would get a call back from a supervisor by XX/XX/XXXX. I continued to request to know when the title would be sent and to what address. I did not get a response to this request, and called Hyundai Motor Finance again on XX/XX/XXXX. The supervisor I spoke with said she could not answer my questions, and transferred my to XXXX, who indicated that he is a manager. XXXX indicated that my requested was closed on XX/XX/XXXX and reopened on XX/XX/XXXX, but could not tell me why it was closed and reopened. He also told me that my previous request ( XXXX ) was resolved, but that the title was not sent. He could not tell me what this outcome meant. I explained to him that my bank has sent XXXX letters requesting the title, and that they may consider the loan to be in default if the title can not be supplied within 30 days from XX/XX/XXXX. He said I could not speak to the title department, as they do not have phones (! ) and opened a new request, number XXXX. He told me to call back in XXXX business days to see if the issue is resolved! When I asked to speak with his manager, he said that that person takes care of bigger things, like the rent on the building, and does not speak with customers. I have been in contact with my bank on a consistent basis, so they know that I am having problems getting the title sent to me. Each time I call, I am told that the title is on file, but I can not get it sent to me. Please help!