23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. I recently received a copy of my XXXX report. The credit repot show inquires that I dont recall authorizing. I understand that you shouldnt be allowed to put inquiries on my file unless I have authorized it.

The FCRA states that the only permissible purpose for pulling credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Hello, I have credit inquiries that I have asked to get removed from the credit bureaus and to no avail they have not been removed as yet. To my knowledge I did not authorize these credit inquiries to be on my report. 

The following are a list of those inquiries that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX ( 3 times ) XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I also have a collection account from XXXX XXXX that was sent to XXXX XXXX XXXX, this was resolved with XXXX but is still showing on my report I have asked for this to be removed as well and to no avail it is still showing on all XXXX credit bureaus. 

Please help me to get these removed they are hindering me from repairing my credit.
Product: Checking or savings account

My Chime checking was hacked and I for warned my bank that I got an email telling me my phone number was changed. I immediately called Chime and was put on hold several times and sometimes for an hour or more. Then they hang up on me. They had plenty of time to stop any company from taking my social security check but they did nothing. I filled a dispute and got an email from Chime telling me my is closed and I'm not getting my money back. I have never heard of or done any business of any kind with XXXX XXXX that took {$1100.00}. They completely cleaned out my checking and savings account. They have also let XXXX and XXXX take almost {$100.00} a piece. I can't get my meds, food or even pay a bill because they took every XXXX.
Product: Credit card

On XX/XX/2023 I wrote a letter along with my payment coupon to the Capital One Headquarters for both of my accounts sent them both certified mail on XX/XX/2023. Also called on Friday XX/XX/2023 spoke to Rep. XXXX at around XXXX he told me he didn't see any payments and it takes about 7-10 days, so I have been checking the site since the call and it is XX/XX/2023 today. I am attaching all my documents I sent out for you to view.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio RC continues to reinsert three accounts that have already been settled and paid. The accounts initially reported to XXXX as a collection account on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. On XX/XX/XXXX the debt owed was paid and settled and Portfolio RC reported this to the bureau. Since that time the accounts have been removed 4 different times after Portfolio continues to report and reinsert these derogatory accounts even though they are paid & settled as agreed upon. 

XX/XX/XXXX- all 3 accounts removed from credit report Between XX/XX/XXXX-XX/XX/XXXX Portfolio RC reports & reinserts all three accounts back on my report XX/XX/XXXX- all 3 accounts removed from credit report XX/XX/XXXX- Portfolio RC reports & reinserts all three accounts back on my report XX/XX/XXXX- all 3 accounts removed from credit report Between XX/XX/XXXX- XX/XX/XXXX Portfolio RC reports & reinserts all three accounts back on my report. 

XX/XX/XXXX- all 3 accounts removed from credit report XX/XX/XXXX- Portfolio RC reports * reinserts all three accounts back on my report. 
( Record of Accounts Activity & Updates attached ) In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), the consumer is to be notified of any reinsertion in writing within 5 business days. 

( B ) Requirements relating to reinsertion of previously deleted material. 

( ii ) Notice to consumer if any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I have received no such notification & this is a very serious violation of the FCRA. Not to mention, each time Portfolio RC reports & reinserts these accounts on my XXXX  credit report my credit score decreases by 20-30 points every time! When they accounts are removed I only gain 5-7 of those points back, which is tremendously affecting my credit score and creditworthiness.
Product: Debt collection

In XX/XX/2024, I sent a written request to AmSher Collection Services , Inc., asking for debt validation under the Fair Debt Collection Practices Act ( FDCPA ). The debt reported on my credit profile listed an original balance of {$1500.00} and a current status of " In Collections/Charge-off. '' I specifically requested : Proof of their legal right to collect the debt, including documentation of transfer or authorization from the original creditor.

A comprehensive account history detailing how the balance was calculated.

A signed agreement verifying my obligation to repay this debt.

As of now, I have not received a response from AmSher Collection Services. Without this information, the debt remains unvalidated, and I do not acknowledge responsibility for it. The continued reporting of this unvalidated debt on my credit profile negatively impacts me financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been over a year, ( XX/XX/2019 ) since I've missed late on this account. However, it is still being reported as a late payment on my credit report. I've tried talking to the company about working with me to not report this being that it's been nearly two years. 

I've tried to negotiate to have this removed but was told that there's no way. They will report as usual.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : XXXX : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am inquiring due to data breach and would like to have removed from my credit
Product: Credit reporting or other personal consumer reports

I spent an agent regarding payment arrangements and payments was paid as agreed and should not be listed as late payments for the month of XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  I would like for this to be updated as paid on time or removed from my credit report
Product: Debt collection

XXXX was called by Toyota Financial attempting to collect a debt. Informed them I was not the person they were attempting to contact. Attempted to gain personal information about me ostensibly to verify this. Refused to provide them my information. They claimed they removed the number from their records and I would not be called again. 

XXXX was called again by Toyota Financial XXXX was called again by Toyota Financial.
Product: Credit reporting

I filed a previous complaint with CFPB about my Suntrust Equity Line being refinanced due to hardship. They did complete the hardship refinance to my satisfaction due to the pressure from your organization. Thank you. However, they reported to the credit reporting agencies I had been late 30 days on my loan which is the not the case. I had called Suntrust several times to see why the refinance was taking so long and was told " it was a sensitive subject ''. I was instructed " not to pay one the old loan '' until the new terms were worked out or I would be paying on the old loan and it would not be reflected in the new loan. I followed the advice of Suntrust and did as I was told. As soon as the new refinance terms took place, I made a payment and have not missed a payment. I feel that Suntrust reporting a late payment to the reporting agencies is unfair and false. Suntrust told me not to pay on the old loan which I followed. Reporting a late payment is disingenuous when they took " a lengthy time to rework the loan because it was a sensitive subject. '' I am now trying to refinance the loan to get away from Suntrust and their reporting is hurting my credit score in getting a new credit line. I want the " late status taken off my credit report as this account has always been in good standing for over 10 years until the payment ballooned and was unreasonable for me to handle. I worked it through Suntrust to get fair treatment. Reporting a late payment that was their fault in the length of time in handling my refinance was not my fault. I would like this changed on my credit reports. Thank you.
Product: Mortgage

we were in the process to refinance our home to get a better interest rate with Quicken Loans we started this process in XXXX we had a rep who worked with us name XXXX XXXX every document they needed we gave them the end of XXXX they needed proof we paid XXXX mortgage which we showed the statement it was paid the next information from XXXX was XXXX guys are in closing the next step is XXXX notary will call XXXX to schedule XXXX XXXX them to come and sign papers i said do we have to pay XXXX mortgage he said no we are good weeks went by i did not hear from XXXX he was hard to get ahold of he never called back finally he called back on XX/XX/XXXX he said bad news the under writer needs proof of XXXX mortgage paid i was so upset he gave us misleading information he was not on our team he should of told us earlier that we needed to pay XXXX mortgage we would of paid it on time so i paid mortgage on XX/XX/XXXX it posted on XX/XX/XXXX he tells us sorry we can not give u the loan due to it shows u have a XXXX day late! we are so disappointed that this happened all because he informed us we were closing we did not have to pay XXXX mortgage not only did we not get the loan due to their mistake we have a XXXX day late on our credit i have owned our home for XXXX years never a XXXX day late until now.we were told we would get our XXXX appraisal back at the end i questioned what if the loan does not go through then what happens he said we will give it back that is why we paid up front my parents had a loan with them they did not have to pay up front they paid at end of loan XXXX again misinformed us we don't have XXXX to lose we want our appraisal money back i called to speak with XXXX name XXXX he listen to what i had to say all he could say was sorry we can not reimburse your money and because it showed XXXX day late we can not finance you are u kidding me this is a huge company advertisement says " we stand by our customers to make sure they are happy and have a good experience with us " very false this was the worst experience we have had XXXX was not on our team he never informed us ahead of time what was going on the last conversation we had was you are in closing we are almost at the finish line well that was false! i would appreciate your help
Product: Credit reporting, credit repair services, or other personal consumer reports

I began requesting my credit report primarily via Annual Credit Report.com in or around XX/XX/2023 which led to a few disputes and corrections required by the consumer reporting agency, XXXX. As a victim of identity theft, A few corrections were made as a result of this inquiry to my credit report. After wanting to review my report again, now through XXXX 's consumer website I was unable to complete the verification process and was prompted to call the Consumer Care line at the following number : ( XXXX ) XXXX ( XXXX ) XXXX. On or around XX/XX/2023 I was unable to get a representative from XXXX by calling the Consumer Care number. Also, was unable to receive an updated report via Annual Credit Report.com. Later in XXXXXXXX XXXX I call XXXX and after not being able to go through verification, and spending over 1 hour on the phone with customer service, I was not able to get my personal information. This is alarming as a consumer.
Product: Credit reporting or other personal consumer reports

I file a complaint because I did not consent to, authorize nor benefit from any of the following inquiries or accounts. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All is being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over. Since 4 business days from receipt of this communication allotted under the Federal Law to block these entries, it should be understood that failure to do so within a 4 business days period after receiving this letter constitutes reason to promptly delete the information from my credit file. Refer to : ( FCRA USC s 168li ( S ) ( A ) ).
Product: Mortgage

Dear Nationstar c/o CFPB Nationstar Customer Relations Department c/o Mr. Cooper XXXX XXXX XXXX XXXX TX XXXX RE : XXXX XXXX XXXX ( d/b/a ) XXXX XXXX XXXX   NumberXXXX I request that the current foreclosure action be cancelled and the correct principal balance be corrected immediately. 

I strongly dispute the increase of the principal mortgage balance that was made on XX/XX/2014, when the principal balance was increased from {$710000.00} to {$920000.00} and eventually increased to {$990000.00}. 

The original principal balance and the original loan amount is {$670000.00}. The current principal balance is {$320000.00} more than the original loan amount. 

This is inaccurate and needs to be corrected. The current principal balance should reflect approximately {$670000.00}. We strongly believe that the Chapter XXXX protections that were in place during this period, protected, insulated and stayed any increase in the principal balance and loan amount. 
.. 
I request that this increase be reversed immediately and reflected in the modification documentations. Please complete a forensic audit on my mortgage account as soon as possible so the correct principal balance is calculated so I can submit the modification proposal, with the correct principal balance, to my financial team ; my Chapter XXXX attorney ; the Chapter XXXX bankruptcy trustee and court. 

The current principal balance is not accurate and I believe this is because of miscalculations, and errors, by the multiple servicers who have handled my loan to date. 

I pray that you will make this adjustment immediately. To reflect the correct current principal balance of {$670000.00}. 

I request that the current foreclosure action, be cancelled and the correct principal balance be corrected immediately. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Nationstar Mortgage Number -- XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : 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 ; account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Product: Mortgage

On XX/XX/XXXX I sold my house and asked the company to send me the escrow money which is {$2500.00} back to me. 
The original loan was under my husband name who passed on XX/XX/XXXX. I continue to pay the mortgage until the day I sold my house. 
I sent the company the will, the executor of the will my d.l and my picture to prove it me on the driving license. It had been over 2 months since I sold my house and still didn't get the money. I live on XXXX and need every penny. I spoke with the rep named XXXX XXXX from the company, last time was on XX/XX/XXXX, but since then she ditched me and does not take my calls. 
The company name is Freedom Mortgage account number XXXX. Under the name XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report, and I noticed some late payments posted on my credit report : XXXX  XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Your company is in clear violation of the law under [ 15 U.S.C. 1681b ] 604. Permissible purposes of consumer reports, THE LAW CLEARLY STATES : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other :.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give u written instructions to furnish these late payment accounts on my credit report.

Furthermore, The FAIR CREDIT REPORTING ACT [ 15 U.S.C. 1681 ] ( 2 ) ( A ) ( I ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) subject to section 624, any- ( i ) report containing information solely as to transactions or experiences between the CONSUMER and the PERSON making the report ; DELETE THE ABOVE LATE PAYMENTS FROM MY CONSUMER REPORT, THIS AGENCY IS IN VIOLATION OF 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is allowing XXXX to report inaccurate information on my credit report. XXXX is reporting that I have open accounts with them with outstanding balances. These accounts have been discharged through Bankruptcy in XXXX 2013. I 've reported this to XXXX, XXXX and Equifax. Equifax is choosing to ignore me and allow XXXX to report inaccurate information. I 've sent my discharge paperwork to ALL three Credit Agencies and XXXX but only XXXX  and XXXX are responding. This problem has been going on for the past 3 years.
Product: Credit card or prepaid card

I recently obtained my credit report in the midst of trying to buy a home. Upon looking at my account I seen several Accounts that are not from me, and that were open fraudulently. These accounts include an account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TD Bank/target, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX and US Department accounts that are not from me, and that were open fraudulently. These accounts include in account from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TD Bank/target, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and US Department of education . I attempted to contact each of these creditors, and they were not willing to work with me in or delete any other accounts on my credit score. This is defamation to my character, and it has prevented me from moving into my dream home with my family.
Product: Credit card or prepaid card

I have a Chase Marriott credit card. There was an interest free balance transfer promotion that I participated in earlier this year. I recently realized that Chase is charging me interest on new purchases as I have been using the card, even though I have been paying those new charges in full each month. A phone rep recently explained to me that the only way to avoid those interest charges is to not use the card. While I suspect this was disclosed somehow, someway, there should no question in anyone 's mind that Chase knows people will unwittingly start incurring interest charges on new purchases paid in full. The balance transfer ( for which the consumer pays a fee ) is nothing more than a way to charge interest at 20.99 % when there would otherwise be no interest paid.
Product: Debt collection

I keep receiving calls from the office of XXXX XXXX  XXXX but nowhere in the voice message did they say what the call was about, they just said it was a business matter. I have the voice mail saved on my phone if you need me to send it to you. They are trying to collect a debt but I have no idea who they are and why they are calling me. They should only contact me via mail and never call. This is after I mailed a letter to the collection company requesting information on the alleged debt. I believe they are infringing in my privacy rights.
Product: Credit reporting or other personal consumer reports

[ Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Phone Number ] [ Email Address ] [ Date ] [ Credit Bureau Name ] [ Credit Bureau Address ] [ City, State, Zip Code ] Re : Letter to remove inaccurate credit information To whom it may concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : XXXX. Validate Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please investigate. Ive never made a late payment on this account, please correct. 

XXXX. Validate Account XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please investigate and delete from my credit report XXXX. Validate Account XXXX XXXX Date of inquiry : XX/XX/year> Please investigate and delete from my credit report By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within XXXX  days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months Thank you for your time and help in this matter. 

Sincerely, [ Your Name ] [ Your Signature ( if sending a hard copy ) ]