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

I am filing this FTC Identity Theft Affidavit to report six fraudulent accounts appearing on my consumer credit report ( s ), which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of an auto loan opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX  XXXX on XX/XX/XXXX under the account number XXXX, another credit card account opened at XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, and a credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX. Also two personal loans accounts opened at XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and another account opened at XXXX XXXX on XX/XX/XXXX under the account XXXXXXXX XXXX  These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Mortgage

Hello, My complaint is for PHH mortgage Florida. 

I have had a reverse mortgage with the company for 10 years. I started a refinance this year with a separate company and needed to obtain a payoff letter. 

On XX/XX/XXXX : my lender submitted a request to obtain a payoff letter. I signed the necessary documents and my lender submitted the payoff request. PHH mortgage was unresponsive. I called in behalf of my lender on XXXX and requested a payoff letter. The customer service representative told me I needed to email the request to a specific payoff email. 

I submitted the request o nXXXX and received a confirmation email stating that my request was received. The email stated 3-5 days was the expected time for a payoff letter. 

In XX/XX/XXXX I asked for the status of the payoff and was told that my mortgage was transferred to PHH Florida. I called the PHH Florida service number and was told that due to the amount loans being transferred there were traffic jams with the payoff requests. I told them I had a closing scheduled on XX/XX/XXXX they said they could not guarantee the payoff by that time. 

On XX/XX/XXXX I called and was told that they had 10 business days according to Illinois law. I had to delay my closing. 

In XX/XX/XXXX I called and asked the status of the payoff request and was told again that PHH had 10 days to give me the payoff according to Illinois law. 

The date is now XX/XX/XXXX and it has been 10 business days. I still have not received my payoff letter and I was forced to relock my loan rate. I am XXXX XXXX XXXX and I feel this company is taking advantage of elderly people by holding payoff letters to not allow refinancing. 

Regards, XXXX XXXX
Product: Debt collection

I was told by my coworkers that fnc control calls my job everyday around noon time. They told my coworkers I owe them a debt and could they get a number where I can be reach. I work 3rd shift so I am not at my job during the day. I dont owe this company nothing and dont know who they are. They call 2 times a day on 1st shift and 2nd. My supervisor have already ask them to reach out to me in another way but they continue to call everyday. They told them this is a business and not her home phone.? They are harassing my coworkers and trying to get info like a phone #. They told them that they are trying to collect a debt. This company is Fnc control XXXX XXXX XXXX phn #
Product: Credit reporting or other personal consumer reports

i have identified information on my report that are a result of identity theft these accounts and inquiries does not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

XX/XX/XXXX I called Affrim to investigate why I have an {$88.00} collection on my credit report. I spoke with an agent by the name of XXXX and he requested the following info to check my " account ''. My name, phone number and email ( in which he proceeds to tell me that email address is not on file. I gave him another email address and he tell me he does not have that email as well ). XXXX states that this account has unauthorized charges and a investigation will be conducted. I asked if I dont have an account how would I know the results or if I call in to check no other rep could help me if the info that I provided is not in the system. I asked for the corporate office & he stated that he does that know the number. I called XXXX & spoke with XXXX to dispute the charge. Ive been disputing this charge for a while and nothing has been done. My last dispute was XX/XX/XXXX and shows it remains unchanged because XXXX never investigated from the beginning.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB : please look into this matter. If this matter is not resolved asap I have no other choice but to speak with counsel. 

Problem : I applied for a mortgage and was IMMEDIATELY DENIED due to the inaccurate reporting of this agency. This is NOT a reporting from a creditor this is reporting from the Experian which I have provided proof of THEIR reportings along with the reporting of the other reporting agencies which have removed the account from my credit report due to inaccurate information. 

Experian is reporting a FORECLOSURE on XXXX XXXX account, which is NOT a mortgage. I have NEVER had a FORECLOSURE EVER. This reporting is ABSOLUTELY FALSE! 

They are also reporting " XXXX XXXX '' as the payment status which is also inaccurate. Please look at the last 2 years of this account. There are no late payments. A reposession only occurs when an account is beyond 60 days past due. 

I called XXXX and XXXX which are NOT reporting this account due to inaccurate information and they told me they removed it and block the reporting. Also, can Experian please explain how can 1 credit reporting agency report something inconsistent when the information is coming from the same source? Why can't Experian follow suit? I suspect they DID NOT investigate. 

If this account is not DELETED immediately from my consumer report, I have no choice but to seek counsel due to violating FCRA, refusing to adequately investigate consumer disputes and causing me and my family to be denied for a home mortgage. 

I am also aware of XXXX v/s Experian, the {$45.00} million and largest settlement for violating the FCRA.
Product: Credit card

Two internet purchases I made were located in foreign countries. I was unaware of this status. When Bank of America later sent me an email about the purchases I responded to decline the purchased. The ban declined the purchases but then without warning shut down my credit card without warning. I did not find out about the termination until later in the day when I was trying to make a purchase at a local store.

Trying to call customer service was a disaster. Initial hold time of 30 minuted followed by subsequent delays. The bank refused to reestablish the credit card insisting that they would have to send me another card with a new account number. I have numerous reoccurring charges tied to the account and it will take me hours to change all the information. There was no fraud involved and no loss on the part of the bank. Failing to have procedures to reestablish the account because of computer issues is their problem, not mine. 
Bank of America has shown poor customer support in the past and recently sanctioned a substantial amount. Apparently it was not enough. I request that you reexamine their procedures and once again fine them heavily again to get their attention to these constant short fallings.
Product: Credit reporting or other personal consumer reports

I contacted Equifax to remove some fraudulent accounts from my credit report and they did not investigate the problem at all. They responded with irrelevant information and did NOT provide me with investigation results to my dispute. I was a victim of identity theft, amongst other crimes, and the credit bureaus did nothing to help me to fix this.
Product: Debt collection

I received two calls from NCB Management Services on XX/XX/2020. One call left a message on an answering machine that is available to others that the message is from a debt collector. The caller did not leave a name. I received another message on the answering machine on XX/XX/2020 also stating that it was from a debt collector. The name was not clear but my best guess is XXXX XXXX. These calls came from local area code of XXXX using various numbers. The return call number was XXXX, ext XXXX located in XXXX, PA. The caller said it was in reference to an account at XXXX XXXX XXXX. I have never had an account at this bank and have never even heard of this bank. I do not have ANY accounts that are even past due and have never missed a payment on any account. I called this number and received an answering machine. I very firmly told these people that this account was not mine and also informed them that they were not to call my number again. On XX/XX/XXXX, I received another call for this same company. I answered and told the caller not to ever call this number again. These calls make me furious. I am receiving calls from other companies so obviously someone with a similar name has a credit issue. I do not know where these people are getting my phone number. Apparently they are calling anyone with a similar name. I want these calls to stop!!!!!
Product: Debt collection

Plaza services is reporting a debt on my credit I filed a dispute with credit bureau in regards to accuracy of debt as I am unaware what the debt is for. Result of dispute just states debt is valid. While preparing debt validation letter I verified the licensing of Plaza Services that they are allowed to collect debt in Nebraka. Upon viewing the list of licensed collection agencies on the Nebraska Secretary of State website they are in fact no licensed to collect debt in Nebraska. I have requested this company to remove all reporting on my credit report of whatever this account is as they legally can not collect debt in Nebraska.
Product: Debt collection

I am writing regarding the alleged debt related to services provided by XXXXXXXX XXXX XXXXXXXX. I would like to formally dispute the debt and clarify the circumstances surrounding this matter. 

On XX/XX/XXXX, I consulted with XXXXXXXX XXXX XXXXXXXX for XXXX  services. However, I soon discovered that my personal information had been mishandled and misused, leading to a loss of trust in the practice. In addition, I was wrongfully asked to submit another down payment for services that I had not agreed to. As a result, I made the decision to cease any further treatment and refused any additional services from the XXXX. 

Following this, I began receiving continuous and unwanted calls from XXXX XXXX XXXX XXXX, which were distressing and felt like harassment. I made it clear to XXXX XXXX that I had not received any further services and no longer wished to be involved with XXXXXXXX XXXX XXXXXXXX or their affiliated partners. 

In XX/XX/XXXX, I was contacted by your agency, Portfolio Recovery, claiming to have taken ownership of the debt related to the services in question. I want to emphasize that this debt is disputed, as I did not receive the services for which I am being held financially responsible. Furthermore, continued attempts to contact me, including threats of legal action, are both unwarranted and harassment. 

I kindly request that you cease all further collection efforts related to this debt, as it is invalid due to the reasons mentioned above. I also ask that you cease all attempts to contact me and remove any negative reporting from my credit file. 

Thank you for your prompt attention to this matter. I expect a response within 30 days as required by the Fair Debt Collection Practices Act ( FDCPA ).
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. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX # XXXX, Account name : XXXXDEPT OF ED # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX  XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXXas 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 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 ) states : 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: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX/TransUnionXXXX  Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) : ( XXXX XXXX XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Mortgage

I am having a problem obtaining a payoff amount from Shellpoint Mortgage Servicing ( NewRez LLC ) for a refinancing with XXXX XXXX XXXX Bank. I had applied for a mortgage refinance with XXXX in XX/XX/XXXX. At the time, my mortgage was with XXXX XXXX XXXX.When ready to close, needing only the payoff amount, the mortgage was transfered to Shellpoint in late XX/XX/XXXX. We were told by Shellpoint that the payoff amount would be available at approximately XX/XX/XXXX. I and XXXX attempted to contact Shellpoint many times during the month of XXXX with no success. I, personally, tried to contact them by phone and online. Online I tried more than once with the reply that I would receive it in 5 days which never happened. I spoke a number of times to a representative who assured me that I would receive it, sometimes in 5 days and sometimes the same day. It never happened. I had applied for 'interest rate lock ' with my mortgage application. Due to the excessive amount of time past the applicable date for closing, penalties had accrued to almost {$2000.00}. I had to cancel my refinance application in the beginning of XX/XX/XXXX. 
In XX/XX/XXXX, I reapplied for a refinance with XXXX. Near the end of XXXX, I was preapproved for the refinance and waiting for the payoff amount to close the deal. It has been almost three weeks of trying to obtain the payoff amount from Shellpoint to no avail. The same contact efforts were made as before, through phone calls and online. Certain items will have to be redone, such as a termite inspection at an additional cost to me. 
Please advise us of your actions to assist us. We were wondering whether we have to obtain legal representation to be involved with this situation. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 attained a copy of my credit report and simply asked the credit bureaus and or consumer reporting agencies to check and make sure every single detail was completely accurate and although i'm no lawyer, according to 15 usc 1681i ( 5 ) EVERYTHING MUST BE 100 % ACCURATE! 

30 DAYS CAME AND WENT AND I RECIEVED MY CREDIT REPORT JUST TO SEE EVERYTHING WAS STILL THE SAME. THE CONSUMER REPORTING AGENCIES which is Experian and they did not modify or remove anything. 

The Date Last Active is NOT correct on all 3 credit reports ..... 

This is a violation and is it's actually costing the ability to get approved for credit and that is simply not fair! 

Experian has violated my rights!
Product: Money transfer, virtual currency, or money service

I received an email about the Cashapp lawsuit but have been trying to sign up for months but cant. Will you please call me to assist with this
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX A collection agent for JO Morgan Chase Bank N.A . 
I was offered a settlement amount of {$5300.00} Paid in 3 Installments ; XXXX {$1700.00} XXXX {$1700.00} and XX/XX/XXXX for {$1700.00}. After my final payment I was to receive a letter stating the debt was paid in full And a XXXX balance due would be indicated on my credit report. 
The day my last installment was processed, Chase bank recalled my debt from the creditor And went back on the agreement XXXX HAD MADE WITH ME. The agreement made with me, which I have in writing is not being honored and Chase is only deducted the money I paid to leave a balance of over {$9000.00}. Still owed. 
I sent the letter and the evidence of the installments paid by my bank to XXXX and they updated my file but it does not reflect the agreement made with me by XXXX while working for Chase. 
Can you please require Chase to honor the arrangement made with me Thank you f
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX. I am writing to formally dispute the inaccurate information reported on my credit report by XXXXXXXX XXXX XXXX XXXX  According to the Fair Credit Reporting Act ( FCRA ) Section 611, I am requesting an immediate investigation and correction of this account. If the information can not be verified, it must be deleted promptly. I am disputing the validity of this debt in its entirety, the account in question is reported by XXXX XXXX XXXX XXXX and appears on my credit report with the following details : reported on XX/XX/XXXX, with a balance of {$1200.00}. The account is listed as " Closed '' with a status of " In Collections/Charge-off. '' The account was opened on XX/XX/XXXX, and closed on XX/XX/XXXX. The remarks include " Charged off as bad debt '' and " Profit and loss write-off. '' I believe this information is inaccurate for several reasons. First, I have not received any documentation or validation of this debt from XXXX XXXX XXXX XXXX as required by the FCRA Section 809 ( b ) ( Validation of Debts ). According to the FCRA, all items on my credit report must be accurate and verifiable. Second, there is a discrepancy in the reported balance and credit limit. The balance of {$1200.00} is shown as 136 % of my accounts limit, which is not accurate or reasonable. Additionally, the account shows a past-due amount of {$1200.00}, which does not align with my records. The presence of this incorrect charge-off and collections status is negatively impacting my creditworthiness. Under FCRA Section 623 ( a ) ( 1 ) ( A ), furnishers of information are required to report accurate information. Therefore, I am requesting that you review all recent statements and payment records associated with this account, including the most recent credit report. The balance, account status, and remarks appear to be incorrect. If the information can not be substantiated, it must be removed from my credit report immediately. Please send me the results of your investigation at your earliest convenience. Additionally, if the investigation shows that the account is incorrect, please provide me with a revised copy of my credit report reflecting the corrected information. Thank you for your prompt attention to this matter.
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 REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT XXXX XXXX XXXXXXXX {$660.00} XXXX XXXX XXXX {$6500.00} XXXX XXXXXXXX {$9900.00} XXXX XXXX {$0.00} XXXX XXXX {$300.00} XXXX {$2300.00} XXXX {$630.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I ADVISED EQUIFAX NUMEROUS ( SINCEXX/XX/2016 ) TIMES ALREADY THAT I AM A VICTIM OF IDENTITY THEFT AND THERE OWN DATA BRIEF SENT THEM POLICE REPORTS, MY ID, ALL THE ACCOUNTS THAT ARE FRAUDULENT ON THE EQUIFAX CREDIT FILE, CIRCLED ALL OF THEM AND THEY HAVE REFUSED TO REMOVE THEM FROM MY REPORT AS THE OTHER CREDIT BUREAUS HAVE, AND MY CREDIT SCORE IS BEING AFFECTED AND COSTING ME EMPLOYMENT, LOANS ECT.I DEMAND THAT THESE ITEMS BE REMOVED AT ONCE.