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

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, OH XXXX XXXX Social Security Number : XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject XXXX Request for Removal of Unauthorized Hard Inquiries Due to Identity Theft Dear XXXX and XXXX, I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several hard inquiries that I did not authorize, which are negatively impacting my credit score. 
The unauthorized inquiries related to identity theft are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), XXXX have the right to dispute any inaccurate information on my report. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted. 

Additionally, I have filed an FTC identity theft report with the Consumer Financial Protection Bureau ( CFPB ). 

Please investigate these inquiries and remove them from my credit report at your earliest convenience. I would appreciate confirmation once the removal is completed or guidance on any further steps required. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

SECOND WRITTEN REQUEST asking you to remove the unverified Collection listed that remain on my credit report in violation of  15 U.S.C. 1681. You are required under the FCRA to have properly verified  the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number.      XXXX   XXXX   XXXX ,  XXXX  Edition,   XXXX  , defines  XXXX  as,  1 )  " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate.  '' 2 ) T o confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and  Verification  as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party.     What this means is that your company must be willing and able to produce a document in your files that proves the account  ( s )  in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have  1st h and knowledge of the alleged account  ( s ) and all that has ever transpired for the alleged account ( s ),   under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that,  Consum  er Reporting Agencies  bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by  1681 ( a ) ( 4  ).     You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section  611 ( 5  ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.     The law is very clear as to th e Civil liabil ity and the remedy available to me for negligent noncomplianc e ( Section 617 )  if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I dema nd the following accounts be verified or deleted immediately.
Product: Debt collection

The Company Amsher Collection Se added a collection account to my credit report on XX/XX/scrub>XXXX XXXX 
I have never received ANY communications from this company before the communication on my credit report.
Product: Vehicle loan or lease

I financed my loan thru Ally Financial in XX/XX/XXXX. I refinanced with XXXX XXXX and Ally shows my loans paid in full as of XX/XX/XXXX. I received a letter in the mail from Ally GAP stating my gap policy was canceled and a refund sent for {$790.00}. It shows the payee as XXXX XXXX who was the dealership where I purchased the car. I contacted XXXX XXXX and they said that the refund was n't received by them, but that it would come from Ally Financial. Ally Financial has told me the same thing, but said they never received it from Ally GAP. They have no clear answer for me as to when I will get the refund. It 's already been 45 days and still the same answer which is that I would receive in 45 days. I do n't think it 's fair that Ally GAP says the money was sent on XX/XX/XXXX and I 've had to wait this long without receiving or really even knowing where it 's coming from.
Product: Credit reporting or other personal consumer reports

I have asked the company to remove these addresses from my credit report because I do not live there. They refuse to do so, and these addresses are fraudulent. 

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

I was called today by the XXXX XXXX XXXX XXXX about student loan forgiveness they were able to get all my information and they seemed like a scam. I spoke to someone named XXXX XXXX and he wouldnt give me his last name. They were to send my information to me but never did. Im nervous that my identity will be stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ) .XXXX County.Clerc Of The Circuit Court Style : XXXX XXXX XXXX XXXX XXXX Morgtgage Pass-Thtough Certificates SeriesXX/XX/XXXXXXXXXXXX XXXX XXXX Case # XXXX Clerks Case Number:XXXX Court Type : Circuit Civil Case Type : Homestead Residential Foreclosure Judge : XXXX XXXX XXXX Case Status : Disposed Last Docked Date:XX/XX/XXXX Filed:XX/XX/XXXX. 

XXXX, XXXX ( Plentif '' s Attorney ) XXXX XXXX Fl, XXXX Amout Assesses {$1900.00} Amount paid {$1900.00} I never been a Tenant of XXXX XXXX, and never lived at this address. 

2 ). Style : XXXX XXXX vs XXXX XXXX Uniform Case # XXXX Clerk Case # XXXX Court Type : Circuit Civil Case Type : Non-Homeestead Residential Foreclosure Judge : XXXX, XXXX XXXX Last Docket Date:XX/XX/XXXX Disposition Judge : XXXX, XXXX I never been contacted about that even. I never been her Tenant. Amount paid {$1900.00}
Product: Mortgage

XX/XX/2020 my wife and I entered into forbearance protection with Dovenmuehle Mortgage Inc. Due to Covid 19. 

We were told to call at the end of XXXX or beginning of XX/XX/2020 to see what options were going to be available to help us through this pandemic. 

We called back on XX/XX/2020 to check in and was offered a loan modification as an option. We selected the loan modification option and were told it can take up to 30 days to process. we were also told to start resuming our normal payments if we did not hear back from them ( Dovenmuehle Mortgage Inc ) by XX/XX/2020. 

We paid the regular payment for XXXX on time. We called in for an update on the loan modification around XX/XX/XXXX. At this time there still wasn't any information available as far as an update on the loan modification. 

We proceeded to make our XXXX payment on time. 

XXXX XXXX we were contacted by Dovenmuehle to ask if we wanted to extend the forbearance for 3 more months. We then asked about the status of the loan modification again and were told they do not have an answer. 

Friday XX/XX/XXXX, I was notified through my credit monitoring app that Dovenmuehle had reported the account 90 days late even though I was protected. 

My wife 's credit was also damaged by this as well.. 

I immediately called Dovenmuehle and spoke to XXXX and was told it was an internal error and that it shouldn't have happened and that it will be rectified. Also spoke to XXXX a senior representative and was told the same. 

XXXX said I would be emailed a letter explaining that the issue was on Dovenmuehle 's end. 

I still have not received the email and Since Friday XX/XX/2020 all three of my credit reports have been updated to 90 days late and my scores have dropped XXXX XXXX points. This is very damaging to my creditworthiness and was told it could take up to 45 days to rectify their mistakes. 

My wife 's scores dropped significantly as well. 

We were told to email their research department to let them know what had happened. 

We are not very confident with Dovenmuehle at this point. 

They can not be allowed to treat consumers this way.
Product: Debt collection

Upgrade has refused my debt verification letter. They won't respond to me about it. I sent it to them once a month once I found out they were trying to collect money from me. There is no contract that I've signed where they are a lender. Upgrade is self-described as " a loan marketplace. '' A loan marketplace is like a Lending Tree. There is no note or Truth in Lending with Upgrade. Upgrade is misrepresenting dates in emails they keep sending me, despite me asking them not to in the debt verification letter. They are threatening to ruin my credit for 7 years with a charge off on XX/XX/2022, but then send me another one to schedule a payment for XX/XX/2022. This loan they are referring to is with a XXXX XXXX XXXX However, it seems Upgrade is a non-bank entity that is making loans for XXXX XXXX Bank, with undesirable terms that are not offered by Upgrade. I have XXXX borrower agreements, one states the jurisdiction in New Jersey, and the other says XXXX California. Nowhere is Upgrade defined as any kind of servicer. They are not a company owned by XXXX XXXX Bank that I can find. If they are, we have a much larger problem. The name of this company is not even really Upgrade. In the agreements, Upgrade is defined as a platform and a marketplace as a XXXX of XXXX XXXX. Upgrade states they are their own corporation, so I don't understand them being a XXXX. This appears to be a rent-a-bank money laundering scheme or pyramid scheme. Those are the words of the CA XXXX, and he stated this is illegal in CA. The jurisdiction listed as CA won't work. They won't stop calling me also. Over and over and over.
Product: Credit card or prepaid card

I requested the date to be changed for my credit card payment. I asked for the payment to be due on the XXXX of the month. Three months past and I forgot about asking for a change. Yesterday, XX/XX/XXXX, I checked my online statement and the due date was changed to the XXXX of the month. 

I called the bank and after a lot of conversations with various bank people, I was told the date I requested ( XXXX ) was not available so it was changed to the XXXX and I was not informed or asked to pick another date. No one contacted me about this matter and if I were to choose a new payment date, it would be after the XXXX of the month because that is when I get my Social Security check. 

I told the bank I could not make the payment due until the XXXX of the month and the bank refused to wave the late charge of {$37.00}. The payment must be made by XXXX on the XXXX. 
I told the bank my money does not go into my checking account until around XXXX XXXX on XXXX, but they insisted on charging a late charge if the payment was not made by XXXX on the XXXX.
Product: Credit reporting or other personal consumer reports

First, I would like to say that the collections and loans on my credit do not tell what kind of person I am. I am a XXXX XXXX XXXX XXXX who did not have the funds to attend college. However, taking out student loans was my only option in order for me to get out of the situation that I was in. To get to the field that I was interested in I had to obtain a XXXX XXXX which made me take out more student loans and I wanted to. After being able to get my XXXX  and XXXX XXXX, I decided to make a change in my career. The change included me from a full-time job to a part-time job in order to leapfrog me to the field that I was in. Of course I had to take a huge cut, which would essentially explain any of the late payments that I currently have on my credit report. I received a copy of my credit report and found the following items to be in error by the provisions of the fair credit reporting act. I demand these items to be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who posted them Please remove any information the credit can not verify. I understand that under 15 USC section 1681IA you must complete the investigation within 30 days of the receipt of this letter. Please send me an updated copy of my credit report to the above address. Thank you for your time and help in this matter.
Product: Vehicle loan or lease

Me and my husband are victims of predatory lending. We financed our XXXX XXXX XXXX back on XX/XX/XXXX through Credit Acceptance a month after our bankruptcy was discharged. Both the dealership XXXX XXXX XXXX and Credit Acceptance were aware of the bankruptcy because we told them plus it was on our credit reports. The price of the vehicle, the condition of the vehicle, Credit Acceptance expert knowledge of knowing statically we would not be able to pay the loan back and loan terms are grounds for predatory lending. The condition of the XXXX was in bad condition with work needed to the car within the first 3 months of buying the vehicle. The vehicle seems to have been in a wreck or flood damage prior to purchasing it. The cost of the loan totaled {$20000.00} for a XXXX XXXX that was in bad condition at the time of sell. Credit Acceptance also knew that my husband job status was per diem ( no guaranteed hours at his place of employment at the time of purchase and that I did not have a job at all other than being a Realtor which had no hours and stricly commission based and that my only transition ever was less than {$5000.00} that year. Our bankruptcy was discharged on XX/XX/XXXX a month before the purchase date. Which was strategically done because we went to the car dealership XXXX XXXX XXXX 2 weeks after the bankruptcy with both Credit Acceptance and XXXX XXXX XXXX knowing we had a bankruptcy 2 weeks prior and they gave us the car to drive home that day and asked us to come back 2 weeks later on XX/XX/XXXX without explaining why. Today we understand that we were victims of deceptive, abusive practices and suffer from predatory lending. Credit Acceptance provided an over priced loan for a car in bad condition to consumers they knew could not afford to pay them back. Predatory lending practices, broadly defined, are the fraudulent, deceptive, and unfair tactics used to dupe us into a car loan that we can't afford. Burdened with high car debt, we are straining just to keep up the monthly payments and Credit Acceptance is unwillingly to forgive debt even though they are experts in the lending industry and knew statistically that we would not be able to make off our car loan. This is unfair and deceptive marketing practices, and we deserve restitution as customers. This is a violation of our rights 15 us code 45c states ( b ) Enforcement by the Federal Trade Commission ( 1 ) Unfair or deceptive acts or practices A violation of subsection ( a ) shall be treated as a violation of a rule defining an unfair or a deceptive act or practice under section XXXX ( a ) ( XXXX ) ( B ) of the Federal Trade Commission Act ( 15 U.S.C. 57a ( a ) ( 1 ) ( B ) ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint in regards to the removal of the fraudulent accounts and information completely from my Credit File. Again, I was going through my records & noticed many information, accounts and items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agencies are required by law to remove & block any accounts and information which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records. Please block and or remove these files : XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5900.00} XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$55.00} - XXXX XXXX XXXX XXXXXXXX Date opened XXXX XXXX, XXXX Balance {$670.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance {$800.00} Date opened XX/XX/XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Product: Payday loan, title loan, or personal loan

XXXX XXXX XXXX is the original account And XXXX XXXX is attempting to collect on the debt that I have no knowledge of nor did I apply for I asked for verification and proof of an investigation and never received any information from the companies Nor the credit agencies that they are reporting to which is reflecting on my credit.
Product: Debt collection

I am filing a complaint for engaging in unfair and abusive practices, violating the Fair Debt Collection Practices Act ( FDCPA ). 

First, the account they furnished on my credit report is one I did not agree to or authorize. There was no legally binding contract between us, which makes the account invalid.

Second, they failed to follow the 5-step debt validation process required by the FDCPA. I was not given proper documentation or verification of this debt, which further violates my rights. 

Under the FDCPA, I am entitled to {$1000.00} per violation. Due to these violations and the harm caused, I request a pay-for-deletion arrangement. I am willing to settle this matter if the account is completely removed from my credit reports ( XXXX, XXXX, and XXXX ). 

Please address this promptly, or I will take further action to enforce my rights.
Product: Debt collection

Filed complaint number XXXX. National Credit Systems replied to CFPB that this is not their account. If this is their response then their mark on my credit file should be removed.
Product: Mortgage

XX/XX/XXXX I applied for an FHA modification while completing the COVID forbearance. The evaluation process was excessive. I was approved for a modification with a trial plan, in XX/XX/XXXX. However I was informed on XX/XX/XXXX that the FHA modification eligibility waterfall was NOT used due to my recent bankruptcy. 

After speaking with a HUD representative on XX/XX/XXXX, I was misinformed and that filing bankruptcy does not impact borrower eligibility as it pertains to the HUD modition option approval hierarchy/waterfall. 

During my initial application for the modification I stated that my intent was to reduce my mortgage payment due to my COVID and medical related hardship and be considered for the combined partial claim and modification option offered by the FHA program. 

I am now being told that I am not eligible which is conflicting with the HUD eligibility guidelines. I believe I am a victim of unfair mortgage practice. 

The objective of my complaint is to be considered for the combination partial claim and modification option as per the FHA regulations. All necessary documents have been provided. The result of the recent modification did not reduce the Mortgage payment by at least 10 %. 

The deadline for my 1st trial is XX/XX/XXXX. 

During the evaluation process I filed chapter XXXX due to excessive medical expenses excludes the Mortgage.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

There are frequent withdrawals from my checking account from an entity called bill.com, using various prefixes before the company name, such as :XX/XX/XXXX, XXXX, XX/XX/XXXX. 

I have no idea what these charges are but they come frequently. I have tried, many times, to communicate with this company but they make it impossible to communicate with them.
Product: Debt collection

Around XX/XX/XXXX I received a letter from Dynamic Recovery Solutions dated XX/XX/XXXX. The letter states there client XXXX XXXX XXXX has purchased my debt from XXXX XX/XX/XXXXand they are attempting to collect it for them. The debt amount is for {$1000.00}. On XX/XX/XXXX I responded with a letter requesting more information about this debt including receipts that where already paid towards the debt. The tracking shows this was received by Dynamic Recovery on XX/XX/XXXX. USPS # XXXX. On letter dated XX/XX/XXXX Dynamic Recovery responded with a XXXX  document showing amount owed and no proof of any previous payments. On XX/XX/XXXX I responded to Dynamic recovery with a copy of the receipt to XXXX XX/XX/XXXX showing account was paid in full on XX/XX/XXXX. I requested Dynamic recovery to notify all parties that this debt is paid in full and requested to end all communication with myself. USPS # XXXX. On letter dated XX/XX/XXXX, Dynamic Recovery sent another letter. This letter was similar to the original letter. Dynamic Recovery never acknowledges receiving the copy of the receipt showing paid in full. Dynamic Recovery is again currently trying to say if I don't acknowledge this debt within 30 days of the date then they assume its valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove all fraudulent accounts as I have no knowledge of them. Due to the Equifax data/identity theft breach my identity was compromised. According to FCRA 605B this information must be blocked immediately until investigation is over.
Product: Credit reporting, credit repair services, or other personal consumer reports

REMOVE FRAUD ALERT.