23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX AFFIRM INC XXXX XXXX XXXX FL XXXX XXXX XXXX, CA XXXX RE : Disputed Account # XXXX Account # XXXX .... I am writing to dispute a fraudulent charge on my account in the amount of {$1.00}, XXXX. I am a victim of identity theft, and I did not make or authorize this charge an account was placed under my name erroneously. Since then, AFFIRM INC has damaged my name, and my credit AFFIRM INC has entered derogatory information into my credit file. I should not be responsible for AFFIRM INC mistake. AFFIRM INC has resource to enable accurate information about the clients inquiring new services. AFFIRM INC allows an account to be placed under my name erroneously. AFFIRM INC should verify all information prior to approving any application 's for services.
Product: Debt collection

Portfolio recovery associates calls me multiple times a day, every day despite repeated requests to stop calling and repeated requests to validate any debt. Portfolio claims I owe them a debt when I have never done business with this company. They will not provide me information about the original creditor, if there really is a debt. I asked one called to send me a 1692g letter and I stopped answering their calls. No validation has been sent and no debt with this company appears on my credit report. 

The first call was on XX/XX/XXXX and came from a fake number. Numbers known to belong to portfolio recovery associates have never called me. Their official phone number has never called me. All numbers are fake, spoofed and in one case, belonged to an individual who was not aware of portfolio recovery associates or any debt. They call every day, usually more than once. 1 call on XX/XX/XXXX, 4 calls on XX/XX/XXXX, XXXX call on XX/XX/XXXX, XXXX call on XX/XX/XXXX, XXXX calls on XX/XX/XXXX, XXXX calls on XX/XX/XXXX, XXXX calls on XX/XX/XXXX, XXXX calls on XX/XX/XXXX, XXXX calls on XX/XX/XXXX, XXXX calls XX/XX/XXXX, XXXX calls XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and so on. When answered, callers claim to be from portfolio recovery associates but will not give account details or even ask for money. Not sure if this is a real debt collector or a scam. Either way, I blocked all of these fake numbers but the calls continue using different fake/spoofed numbers. 

The purpose of this report is to gain information about any alleged debts and to make the harassing phone calls stop.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  ( equifax ) XXXX XXXX XX/XX/year> ( Equifax ) Please remove these inquiries from my credit report. These inquiries are fraudulent.
Product: Credit reporting or other personal consumer reports

I am writing to disputed account on my credit report that were made without my consent. According to section 604 OF THE FAIR CREDIT REPORTING TO SECTION ( 15 U.S.C 168 1B ), THERE ARE SPECIFIC PERMISSIBLE PURPOSES FOR OBTAINING A CREDIT REPORT. i DID NOT AUTHORIZE THESE ACCOUNT AND CAN NOT FIND ANY PERMISSSIBLE PURPOSE UNDER THIS SECTION THAT JUSTIFIES THEIR PRESENCE ON MY CREDIT REPORT.

PLEASE DELETE ACCOUNT XXXX XXXX XXXX ACCOUNT NUMBER XXXX
Product: Mortgage

Specialized Loan Servicing LLC. received XXXX from my county tax agency. After trying everything in my power to get my money which they thought they were going to try to steal they finally sent me XXXX that however is not XXXX. They still owe me XXXX They legally can not keep that money. Both the head tax agent for XXXX and my current mortgage company said they know for a fact that is what SLS received and should return to me. I want to know where this left over money is. All I want is my money and I will be out of their hair. Also, whenever I call in trying to find out what is going on they pretend like they are transferring me over and then just hang up. It is honestly trifling.
Product: Credit reporting or other personal consumer reports

Thats on XX/XX/XXXX2024 I XXXX XXXX a natural person and consumer sent Vice President XXXX XXXX XXXX of XXXX XXXX XXXX XXXX a letter of Instructions attached with a Tender of payment to discharge my account. XXXX XXXX, 2024 XXXX XXXX XXXX replied with a a letter say that they dont except Any Tender of Payment unless its US Dollars. In pursuant to House Joint Resolution 192, Public Law 73-10, UCC 3-104 ( c ) XXXX XXXX XXXX XXXX. The entire taxing and monetary system are hereby placed under the U.C.C ( Uniforn Commercial Code ) TheFederal Tax Lien Act of 1966. XXXX XXXX XXXX XXXX has yet informed the IRS of this transaction. After doing UCC 11 search theres no actual Lien under my name or on my vehicle. The IRS informed me that this company may be doing fraudulent paper work.

This company is attempting to Extort me at this point.

I am now revoking all Powers Of Attorney, Security Interest and any other obligations I may signed or given this company. I will be attaching an official Notorized Cease & Desist letter along with a Right of Rescission letter. I no longer want to continue doing business with this company.
Product: Debt collection

ESO Corporation, is in violation of 15 U.S.C 1692-1692p. On 2020 XX/XX/XXXX I XXXX XXXX do swear that I received a phone call at work from a Representative of ESO Corporation, in violation of 15 U.S.C 1692c ( a ) ( 3 ). The person i spoke with was both abusive and oppressive with me, in violation on 15 U.S.C 1692 ( d ).

The individual calling did not want to provide information to me that would help me to understand the propose of her call. I was unable to talk at the time of the initial call, so i called back and spoke with a several members of the staff. 
I verified with them my name, and the number in which i was calling from. Each person i spoke too was unable to provide the purpose of there call unless i provided them with additional personal information. Each person i spoke with was both abusive and oppressive with me on the call in violation of 15 U.S.C.1692 ( d ) ( 2 ).
Product: Payday loan, title loan, or personal loan

Debt Recovery Solutions, XXXX XXXX XXXX XXXX, XXXX, NY XXXX ( XXXX ) reported a 'placed in collection ' balance of {$1300.00} to XXXX XXXX XX/XX/XXXX. 

They reported the original creditor as XXXX XXXX XXXX of XXXX with an open date of XX/XX/XXXX. I do not have a balance with this creditor. This appears to be a 'new ' balance, which resulted in a significant credit score drop. 

Over the past couple of years I have received random phone calls and emails from similar payday loan companies threatening to proceed with arrest warrants, direct contact with my employer, putting my social security number on hold, etc. Additionally, there was direct refusal to validate the debt.
Product: Credit reporting or other personal consumer reports

The company stated that they verified a public record via XXXX XXXX XXXX XXXXVERIFIED AS REPORTED however that is not accurate and I provided verification from the XXXX XXXX XXXX XXXX does not verify public records of any kind to any credit reporting agencies.
Product: Checking or savings account

JPMorgan Chase Bank closed my account without giving me a specific reason. They closed my account on XX/XX/2023, and they promised to send me a check with the funds left in the account ( a total of {$1300.00} ). After 15 days, I didn't receive this check and I went to their branch to ask for more information. Their branch said the check will be mailed to me approximately 15 business days later. But I haven't received any funds from them so far, and it's about 2 months after they closed my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1800.00}, {$560.00}, {$1100.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

2. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$560.00} -This is not my account. 


-- COLLECTION ACCOUNT -- 3. XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occasions I have written to Transunion sending in proper identification and requesting that they reinvestigate the inquiries on my credit report. They have since flatly refused to do so despite several written requests over the last few months. My wallet was stolen in XXXX, Texas two months ago and I have placed security freezes on my credit reports with the other two credit reporting agencies and they have both complied with my request. 

Transunion continues to refuse to reinvestigate these inquiries and are in violation of the Fair Credit Reporting Act
Product: Mortgage

I 've been going around in circles with this XXXX mortgage company, Carrington Mortgage about a loan modification. We 've been denied once, just recently, with the excuse that I said I was unemployed on the application. The people with Carrington do n't have any answers as far as what the requirements are for the modification and I 'm just exhausted going around in circles with these XXXX. They keep deferring everything to their underwriters but this has caused my Mom and I so much XXXX  wondering what 's going on. We need someone to advise us of our rights and what the parameters are for getting the modification.
Product: Mortgage

I have been working for many, many months in an attempt to get a loan modification with Bayview Loan Servicing. Originally my loan was with XXXX XXXX XXXX and I was almost through the loan modification process when the it was acquired by Bayview.. I have been trying to get my loan modified with them for about a year now. Their course of action seems to be stall, stall, stall. My first asset manager was somewhat responsive. at least he would return calls and send emails with information or requests for documents. But somehow he disappeared and it was weeks before I knew he was no longer assigned to my file. I now have another asset manager but he never returns phone calls. Several have been left for him over the course of the last several weeks but we almost never hear back. I have received no updates on the status of my loan modification request in recent weeks. I know something is happening as I received an appraisal on my home, but no updates at all on where we are in the process. I want to keep my home.
Product: Debt collection

I Discovered an account serviced by midland funding on my credit report that was not mine. in effort to remove it, i paid the attorney representing midland the funds. In addition, i 've asked midland for a full validation of the debt which they have not provided after asking several times. The funds were paid to the attorney on XXXX XXXX however midland is reporting as of XXXX XXXX the account is open with a full balance.
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX I became unable to make my monthly payments of {$210.00} as per the loan agreement. I was contacted by the company by mail numerous times with options to make the account current. I offered to settle the account for a lesser amount but they have refused. I have asked for a lower interest rate and smaller payment and they have refused. on XX/XX/XXXX, they filed a civil suit in XXXX County, Ohio small claims court. They told me that the account would have to be charged off for at least a year before considering a settlement of less then owed. The account went 4 months past due and civil suit filed. This is contradicting as to if they sue you after 4 months, then how can you be charged off a year before considering a settlement amount. These loans carry a high interest rate as where you are set up for failure to repay. Why bother sending me letters if they wont agree to nothing.
Product: Credit reporting or other personal consumer reports

I am writing to formally resubmit the complaint to EQUIFAX regarding inaccuracies in the reported data on my credit file and you are not taking action of removing them in my credit reports. The information in question is not verifiably compliant, proven valid, or fully documented as true and physically verified. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My date of birth is XXXX, and the associated FTC report number for this complaint is XXXX. I have identified potentially false and unverified inquiries and accounts on my credit file that lack proper authorization from me. As a consumer, I am well within my federal and state consumer and civil rights to insist on the prompt removal of these items. I am initiating this consumer complaint and compliance check to address specific items being reported under FACTA Title 1 sec. 151, which unequivocally requires a thorough examination of the process. This serves as a formal dispute of information and reporting.
Product: Credit card

I have called every day for XXXX days starting XX/XX/year>. I have tried to have them issue back my credit balance from a refund from a doctor to my credit card of {$2000.00}. Two times I was told it will take 17 days and they have to mail a check to other times. I was told they would put it back in my checking account the same one with their bank that I use to make my payments on that credit card. I never get a answer. Today they said it has to wait and be reviewed for 17 days before they decide if I get my money I said is it being reviewed? She said its in the XXXX refund department of US Bank. I asked her to please check with them and see the status. She said Im looking at the status and it says you have to wait XXXX days before they decide. This is an obvious credit refund. There should be no questions asked give me my money and its {$2000.00}. I had to pay the bill because it was due before I got the refund so that caused the credit XXXX once the refund was processed by the doctor. Otherwise I wouldve had to pay very steep of XXXX XXXX. I dont do that. I pay in full each month. I said it would be very simple to put it into my checking the one I used to make the payments every month and XXXX of them I said well thats just not possible! I still dont have my money sent to me I ask how will I know its been sent to me and she could not answer that when I sign into my account online it shows a credit balance balance on that credit card of {$2000.00} no change from how its been all week.
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. 
XXXX XXXX XXXX : XXXX has 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. 16815-2 ( AN1 ) 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

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 U.S.C. 1681 Account Name : XXXX XXXX ; Account Number : XXXX, Account Name : XXXX XXXX XXXX, Account Number : XXXX, Account Name : XXXXXXXX XXXX XXXX, Account Number : XXXX, Account Name : XXXXXXXX XXXX XXXX, Account Number XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXX Account Number:XXXX, Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX, Account Name : XXXX XXXX XXXX, Account Number : XXXX, Account Name : XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX, Account Number : XXXX, Account Name : XXXX XXXX, Account Number : XXXX. 

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 an account without my written instructions.

15 U.S.C. 1681 s-2 ( A ) ( 1 ) 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

In accordance with Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the inaccurate accounts. I have attached supporting documentation, including identification documentation, to verify my claims and request a thorough investigation into this matter. I understand the importance of accurate credit reporting, and I expect that my complaint will be taken seriously and addressed promptly. The following accounts should be removed right away : DEPT OF XXXX XXXX Balance {$980.00} ; DEPT OF XXXX XXXX Balance {$3000.00} ; DEPT OF XXXX XXXX Balance {$2300.00} ; DEPT OF XXXX XXXX Balance {$1600.00} ; XXXX XXXX XXXX Balance $ XXXX.
Product: Credit reporting or other personal consumer reports

I have attempted to find contact details for all three credit reporting agencies to send in secure documentation proving my change of name. All three purposely ensure no email addresses or fax numbers are available on their websites. They each require that I send physical copies unencrypted through the post to get my name changed. Given the poor handling of customer data in recent leaks surely something can be done to bring these companies into the XXXX century. I'm even happy to use a fax, if they so desperately need to relive the XXXX. I was there, it wasn't great. 

Our lives depend on good credit scores tracked by agencies we did not opt in to using. The very least they could do is make managing our data possible. Phone calls to the agencies lead to a phone menu loop. Clicking on " contact us '' pages lead to a menu loop ( even the links that say click here for email ). Digital document uploads mysteriously fail every despite being well under the file size limit and being a supported ( allegedly ) filed type. Somebody needs to give these animals a swift kick in the taint to get them back on track. Any help this office can provide would be appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX Balance : {$550.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$230.00}, XXXX XXXX Balance : {$1800.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$390.00} 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
Product: Mortgage

Service provider Bayview Loan Servicing LLC applied hazard insurance to my mortgage ( XXXX XXXX through XXXX XXXX ) account in excess of any authority in the loan agreement. I would like a full refund of money collected for hazard insurance and any overpayments to an ancillary escrow account. The Servicer also issued a Notice of Default based on erroneous accounting.
Product: Credit reporting or other personal consumer reports

This morning, I was alarmed to see inaccurate accounts on my credit report with no explanation as to why. I checked my credit report as I usually do, but this time there were discrepancies that appeared suddenly. I refreshed my browser, thinking it might be a glitch, but the inaccuracies remained. Because of this issue, I'm requesting a thorough examination of the documents I've sent to ensure this never happens again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND TRAFFICKING. 

Account Name : XXXX XXXXXXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX OPENED XX/XX/XXXX Account Name : XXXX XXXX  XXXX XXXX OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX Account Name : XXXX  XXXX OPENED XX/XX/XXXX XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft XXXX DATE UNKNOWN ANOUNT UNKNOWN