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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts XXXX. XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report XXXX, hoping that you make a better decision in my situation, thank you
Product: Mortgage

I obtained a modification with XXXX on XXXX XXXX. In XX/XX/XXXX, the loan was transferred to Selene Financial. I began to pay the new mortgage company XXXX. In XXXX of XXXX, I was told that the payments will be increased from XXXX to XXXX effective XX/XX/XXXX. I attempted to contact Selene to discuss the matter but was told an attorney was on file and they could not allow me to discuss this important increase of mortgage of XXXX. The attorney that was on file withdrew in XXXX of XXXX. I presented a copy of the notification and was finally able to discuss the matter. 

After discussing the increase, it was explained to me that the loan was acquired by Selene having a shortage which had to be added to the loan as well an the substantial increase in property taxes, which I believe to be an error by the XXXX county assessors office. During the conversation with Selene, I noticed however that the loan should not have had such a large shortage which ultimately had to be added to the loan when combined with the property taxes resulting in an increase of my mortgage monthly payments of over XXXX per month. I believe that when a loan is modified correctly, it may result in minor increases or shortages that should not be increased to an amount of over XXXX dollars during a span of only ten months. Please review this complaint. Thank You.
Product: Money transfer, virtual currency, or money service

I am writing to formally escalate a complaint regarding PayPals handling of an unauthorized charge, as well as the extremely poor customer service I experienced. 

On XX/XX/XXXX XXXX PayPal processed a charge of {$29.00} to XXXX, which I did not authorize. After disputing the charge, PayPal declined my dispute and deducted {$29.00} from my account balance. I then checked with XXXX, and they confirmed that no such charge was made, meaning PayPal took money from my account for a transaction that never occurred. 

On XX/XX/2024, I called PayPal to confirm my understanding of the situation. The agent I spoke with rudely confirmed that PayPal insists the {$29.00} was paid to XXXX, with no mistake in my payment history. The agent repeatedly spoke over me, refused to escalate the matter to a manager, was dismissive of my concerns, and continually repeated facts I was already aware of without addressing my actual issue. 

This experience was incredibly frustrating, and PayPals refusal to resolve this issue has led me to believe that the company has stolen my money. I expect this matter to be addressed immediately and for the {$29.00} to be refunded to my PayPal account. 

Please investigate this matter properly and escalate it to the appropriate department, as I have already been met with unacceptable customer service
Product: Debt collection

Auto loan opened in my name without my knowledge or authorization in the amount of {$15000.00}, i have provided documentation to have account deleted but they have failed to remove
Product: Credit reporting, credit repair services, or other personal consumer reports

An old address appears on my Experian Credit Report that does not appear on my XXXX, or XXXX. I have disputed the error numerous of times and Experian refuses to remove it because it identifies with a couple collections account that I also am disputing that aren't mine. I have filed complaints with CFPB about this matter in the past and Experian is still aren't cooperating to remove the accounts and address that isn't mine. From my research Experian is in the mist of an Class A Action Lawsuit because of the same thing that I am submitting an complaint about today.
Product: Payday loan, title loan, personal loan, or advance loan

I submitted a complaint last year, XX/XX/XXXX requesting a resolution of this matter. The company responded : Company still working on your issue. It has been over six months and no resolution is in sight. Their response is dated XXXX under XXXX. If possible I am requesting the company to accept my settlement offer for {$1200.00} and to forward the title, lifting the current XXXX  of the property. Im aware of the companys notion that I forfeited the loan because I didnt want to pay which is untrue. The unforeseen circumstances of the deadly pandemic in XXXX  was the entire reason I could no longer make the payments. Placing consideration the loan is most likely written off, I am willing to settle and retrieve my title. At this time the company has made zero efforts at contacting me to discuss my options even after I submitted photos of the property damage which depreciated the value considerably.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing to officially contest the existence of unauthorized inquiries on my credit report, alleging violations of 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) and ( c ) and 15 U.S. Code 1681c-2. I also want to emphasize that I have never given a consumer reporting agency my written consent to include anything on my consumer report, which is against my rights as a customer whose rights are federally protected. The existence of these illegal hard inquiries on my accounts violates my constitutional rights and is an act of identity theft. 
Before disclosing any details from the consumer. The consumer reporting agency needs to get authorization in writing as is expressly required by 15 U.S. Code 1681c-2. Once again, I want to emphasize that I have never given a consumer reporting agency my formal authorization to include any material on my consumer report. The unapproved inquiries on my credit record are a clear breach of this clause as a result. 
Additionally, 15 U.S. Code 1681b - Permissible objectives of consumer report ( a ) and ( c ) says that consumer reports may only be obtained for purposes, with the written approval of the consumer. I have not given any written permission for the businesses responsible for obtaining or reporting any details if my credit report is subject to unauthorized requests. Therefore, these unauthorized inquiries also violate this clause. 
I demand the immediate removal of all unapproved hard inquiries that are listed on my accounts. These unlawful queries not only violate my rights as a federally protected consumer but also negatively impact my credit worthiness and financial stability. For my credit report to once again be accurate, honest, and fair, their elimination is essential. 
I kindly request that you investigate the unlawful requests on my credit report in detail, because I, the consumer, did not provide any written authorization. You must comprehend how these unlawful queries violate my rights and could lead to identity theft. I rely on you to provide this matter with your undivided attention and prompt consideration. 
I demand that, as a federally protected consumer, you acknowledge receipt of my dispute letter within the 30-day window specified by the Fair Credit Reporting Act ( FCRA ). I am counting on you to investigate the unauthorized inquiries as soon as possible and make sure they are removed from my credit record. If you don't abide by my request, I might take additional legal action to defend my consumer rights. 
I appreciate your quick response to this situation. I'm hoping for a quick decision that defends my rights, deletes unauthorized inquiries, and corrects the information on my credit report. Please don't hesitate to get in touch with me if you require any additional information or proof to help with the investigation. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My federally protected rights as a consumer has been violated.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX National Credit Systems NCS was added to my credit reports as a new collection collecting on behalf of XXXX XXXX XXXX XXXX. XX/XX/XXXX I requested an itemization of debt which was given to me via email. XX/XX/XXXX I attempted to pay debt via banking information. XX/XX/XXXX payment reversed. XX/XX/XXXX filed complaint with Ohio Attorney Generals Office due to confirming that I did not have a balance when I moved out of XXXX XXXX XXXX. XX/XX/XXXX the response to the Ohio Attorney Generals Complaint from National Credit Services only spoke on the reversed payment. XX/XX/XXXX I sent an email to NCS requesting a Bill of Sale, proof that they have the legal right to collect this alleged debt. XX/XX/XXXX another complaint was filed with the Ohio Attorney General because after 30 days I still never received a response to my request for Bill of Sale. But again, NCS response to the complaint only spoke about the reversed payment. I moved out of XXXX XXXX XXXX  in XX/XX/XXXX and had no balance at my move out time and there are no eviction civil records with XXXX XXXX Ohio stating I owe a balance to XXXX XXXX XXXX. I feel this is fraud and I'm requesting this be removed from my credit reports. This is extremely negatively affecting my credit. 

NATIONAL CREDIT SYSTEM XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX NCS Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX AR XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX MN XXXX ; XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

Want to have this removed from acct. wrong dates XXXX XXXX system XX/XX/2017 : XXXX XXXXXXXX {$3900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

After filling in the basic information requested on the XXXX website for my free annual credit reports, the site stepped me through each of the credit reporting agencies ' pages. All three shutdown the process without providing me with my credit report. None asked for additional information. None gave me the opportunity to resolve issues online, nor did any provide any substantive explanation of what their issues are. 
" We are not able to deliver your free XXXX  Annual Credit Report online. '' -- XXXX  " A condition exists that prevents Experian from being able to accept your request at this time. '' -- Experian " We can not proceed with your request at this time. Explanation : Unfortunately, we are unable to process your request based on the information provided. '' -- XXXX
Product: Credit reporting or other personal consumer reports

In my previous dispute, I requested that Experian promptly delete the below-listed account and send me an updated copy of my credit report within 30 days of your request and that they fully comply with the law in my request. Accounts Name : XXXX XXXX Account Number : XXXX. Should they have failed to make the requested deletion, I requested that they provide me with the name and address of the person ( s ) that they contacted to allegedly " verify '' the information that I have rightfully disputed. Experian did not fully comply with the law in my request. This account was charged off on the following date : XXXX/2024. Since then the account has repeatedly been updated as charged off every month. This is an update on the payment history. A charged-off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. Experian has failed to investigate this account properly after I asked four times and their neglect has violated my rights.
Product: Mortgage

I have never been 90 days past due on my mortgage. Wells Fargo stop taking payments from me in XXXX. I made a payment XXXX they did payment reversal XXXX/XXXX/16. I have paid the same amount on mortgage for several months. They 're telling me my payment was more than that. I have proof where they 've applied my payment every month up until XXXX. I called them today and was told they were not able to reach me all my contact numbers were disconnected. I only have XXXX contact number and that is my cell phone. Someone there deliberately removed my number and added old home phone numbers I have never put on my account as a contact when they did a skip trace. They 're doing everything they can to make it look like they 've tried to help me and I was unable to be reached. I have n't received an accelerated letter indicating the next step and have n't received a certified letter notice. I was told today I had to pay XXXX payments by XXXX/XXXX/16 or they would foreclose on your home. Wells Fargo is illegally trying to take my home from me. I received a blank envelope on my door Monday saying confidential with nothing inside the letter. The monthly statements say my payment is XXXX thing however they 've taken a different amount and applied it EVERY month. I NEED someone to take a closer look at them along with my documentation to see this is not right and I am not being treated right. I understand I am not current on my mortgage but I know my rights and know it has to be over 90 days for foreclosure to start. They 've tried to cut off all ways for me not to make a payment every month. I have managed to get a payment sent through my bank account. I desperately need someone to intervene. Please help me I only have 7 days.
Product: Mortgage

To, Freedom Mortgage Corporation XXXX # XXXX ( XXXX  ) BPO DISPUTE FILE # XXXX - removal of Private Mortgage Insurance ( PMI ) based on Property 's Current Market Value Dear Freedom mortgage team, I am in receipt of your BPO decision dated XX/XX/XXXX, noting a broker price opinion conducted by XXXX XXXX XXXX of Clear Capital Real Estate License No. XXXX, to assess the removal of private mortgage insurance, is based on factually incorrect facts and figures pertaining to my property located in the graduate hospital, XXXX PA XXXX when compared to the official City of XXXX official property and tax assessment records. 

Discrepancies noted in the BPO/ Reason for Dispute : Please note the following discrepancies that have been noted which question the quality of the BPO that was conducted. 

1. The BPO used outdated/factually incorrect above-grade gross living square footage of XXXX square feet to price the property in their comparative market analysis. The correct above-grade gross living square footage is 1186 square feet as evidenced by the City of XXXX Property assessment records and the physical measurements conducted by the appraisal at loan origination ( See appendix A-B ). 

Further, this gross living square footage was confirmed in an appraisal ordered by Freedom Mortgage at loan origination where the property was physically measured by the assessor/appraisal Please see the report prepared by XXXX XXXX XXXXXXXX XXXX XXXX ( Appendix C, D, E ). 

2. Tax assessment based on the correct square footage and improvements for the property is {$430000.00} for the tax year XXXX as listed on the City of XXXX Property Assessment Website. The BPO lists the value of the property as {$36000.00} below the current tax assessment for this property using outdated/factually incorrect gross living above-grade square footage. This is a serious discrepancy that needs to be resolved. 

3. The BPO lists the property as having forced heating when a permitted HVAC with Central Heat and Cool air is currently installed in the property which is visible in the Broker 's photos. 

4. The BPO used listings 3-5 from the POINT BREEZE neighborhood when the current property is in the XXXX XXXX neighborhood of XXXX. 

Although, the neighborhoods have the same zip code as XXXX the markets in terms of market value are totally different. The broker skipped several recent sales and listings on XXXX and XXXX XXXX and offered listed properties in a different neighborhood to come to their conclusion. 

5. The current property has 594 square feet of below-ground semi-finished basement space but the broker lists this as 0 sq feet ( See Appendix C, D, E ). 

Please kindly consider this as a request to appeal the decision of the BPO that was conducted based on factually incorrect property characteristics and therefore does not meet the burden of proof to support the factually flawed assessment. 

Thank you and I look forward to a favorable adjudication of this appeal considering the supporting evidence ( both old and new ). 

See Appendices A-E cited below for reference and supporting evidence. 

Best,
Product: Vehicle loan or lease

In XX/XX/2019 my niece XXXX XXXX, got into an accident without insurance and totaled her 2010 XXXX XXXX, a vehicle that had a loan on it from Ally Financial-XXXX. At the time she did not have insurance coverage on the vehicle and it was totaled in the accident and it is a loss. I contacted Ally, as i am a cosigner on the auto loan # XXXX. XXXX XXXX, a Csr of Ally Financial told me that if i made a payment of {$920.00}, the loan would no longer be past due and Ally would work with me to make monthly payments on the loan to pay it off. Since then, i have been told that the loan is being discharged and sent to collections even thought the loan balance is current and I have tried to make XXXX 's monthly payment. Based on my experience and legal consultation, Ally should have forced placed insurance coverage or required XXXX XXXX- Co-owner, to have insurance on the vehicle as XXXX XXXX had a past history of lapsing her insurance coverage. Neither myself nor XXXX have received any letters or calls from Ally informing us of such action. We should have been contacted and insurance should have been required or placed on the vehicle to protect the collateral in case XXXX did not have appropriate coverage. I am looking into legal consultation for this as I do not feel responsible for the loss of this vehicle as Ally should have taken the appropriate steps to have coverage on the vehicle or Ally needs to work with me to come up with a solution that satisfies all parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfoilo Recovery XXXX XXXX Still reporting under XXXX XXXX XXXX But states Sold to you I have disputed this for over 9 months I have No contract with you and you are in violation of the FCRA, I never receive any type of letter from you stating this was ok to put on my report this is a fraud case in 2014. I have all documentation XXXX, CFPB, FTC, OCC, ATTY GEN CA all documents. XXXX XXXX XXXX as no proof at all that this was made or used by myself they make hearsay comments with no evidence I have requested over and over I have there copy of what they called a contract with nothing on it there is not One actual signature on any documents they have sent also all the above agenies have these documents showing this remove this account from XXXX  now
Product: Debt collection

got a letter from a collection agency stating I owed XXXX XXXX dollars for an apartment I had six years ago. I called the apartment complex and they told me it was a scam.
Product: Student loan

I co signed for a student loan, now I have 5 different loan agencies reporting 5 different loan amounts. 
Original loan was {$8.00} now it's {$94.00} How is this possible??
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against XXXX located in XXXX, XXXX  ; EXPERIAN located in XXXX, XXXX  and XXXX located in XXXX, XXXX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, causing me significant financial and mental distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim, they have failed to provide the necessary documentation as required by the FCRA. Despite my persistent efforts to resolve this issue over the past several months, XXXX, EXPERIAN AND XXXX has consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints lodged against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of this 3 bureaus namely XXXX, EXPERIAN AND XXXX has inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.