23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is regarding complaint number XXXX This issue is still not resolved. I got a email from Affirm. It says : Your loan has been charged off XXXX, Your loan XXXX has been charged off because you've had an overdue payment of {$390.00} for 120 or more days. 
We will no longer contact you and your loan may be referred to a third-party collection agency. 
You are still responsible for your overdue balance, which can be more than your overdue payment. Sign in to your account to see more details. 
If you've already made a payment, please ignore this message. Thanks for using Affirm! 
If you have any questions, you may call us at ( XXXX ) XXXX. 



Loan ID : XXXX If you need help, visit our Help Center. 
You are receiving this email because you conducted a transaction with Affirm. Visit us at affirm.com to view our Terms of Service or our Privacy Policy. 



I do not owe this debt at all. On XX/XX/2023 I returned the equipment back to XXXX and XXXX XXXX siad that they got the equipment back.
Product: Debt collection

XXXX XXXX  DONT OWN THE DEBT! BECASUE OF SECURITIZATION THIS DEBT WAS SOLD TO A TRUST assignment agreement contract is requested I requested over and over for the signed contract between XXXX and myself. I'm requesting the contract bearing my signature! also the license to collect in XXXX. the company is only presenting a bill from that company not that i owe XXXX and has not shown proof i owe them any money. a bill is not VALIDATION OF XXXX. A signed contract is what is requested and if can not provide need to delete from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/1995 RE : You Violated The United States Code Law 15 U.S. Code XXXX - Permissible purposes of consumer reports ( 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. 
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, Better Business Bureau, and Federal Trade Commission. 
XXXX XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

DPT TREASURY : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

DPT TREASURY : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

DPT TREASURY : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 


Sincerely, XXXX XXXX XXXX
Product: Debt collection

I have repeatedly tried to communicate with the debt collection agency over a period of several months to receive debt validation verification to no avail. I have hired a third party agency to help and they deemed the letters sent by the third party as frugal. They do not want to send me any sort of validation information, and continue to report my debt to the bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 70 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly started that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 70 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Product: Debt collection

They ate asking for money they say was owed on a lease thar was returned and settled with a new lease with Chrysler Capital. I do NOT owe them money on the vehicle and I have explained that numerous times. I have an XXXX credit score and I am meticulous about debts. They call me multiple times a day and they are rude and I have had to block the calls from many different numbers. Now they are calling my XXXX XXXX XXXX multiple times and I have asked them not to. It is embarrassing and harassment to be called at my XXXX  for personal debts that I don't even owe! Chrysler Capital is well known for harassing behavior of this type.
Product: Credit reporting or other personal consumer reports

I have previously disputed the alleged public record with you and still have not deleted from my consumer file. The alleged public record you are reporting concerning me is inaccurate and also unverifiable by you. I have contacted the court on record listed on your report, XXXX, AND XXXX XXXX XXXX. They all have advised that they neither provide or verify court records to you all nor any other third party. My consumer file with XXXX does not show any bankruptcy, because there is none. Please see the attached. According to Federal Rules of Bankruptcy Procedures- Rule 9037. Privacy Protection For Filings Made with the Court only certain information are listed which may include the last four digits of the social security number, the year of the individuals birth, the last four digits of the financial-account number. Therefore, you could have not possibly verified and I request that you delete the alleged public record and send me an updated copy of my consumer credit report. In addition, I was denied credit due to the inaccurate reporting of my credit. Please see attachments.
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 

XXXX BANK XXXX XXXX
Product: Mortgage

My house was replaced via the XXXX XXXX XXXX program in XXXX  due to extensive damage from XXXX XXXX. I have made several attempts for Shellpoint Mortgage to stop placing lender home insurance on a house that have been torn down. I agreed to continue to pay off the mortgage on the loan for the house that was torn down and have not been late in doing so. However, I think it is nonsense to pay insurance on a house that no longer exists. I have been paying lender placed insurance on a non existing house for almost XXXX  years.
Product: Credit reporting

XXXX XXXX XXXX can get away with identity theft to alter documents and sell that loan with the altered documents
Product: Checking or savings account

I am appalled and disgusted by the belligerent customer sevice and bias discrimination I received. I have been a Chase customer for over 7 years and never until today have I experienced social economic discrimination that defies human decency and shatters all critical race theory progression. I walked into Chase Bank located at XXXX XXXX XXXX XXXX XXXX. I encountered Vice President Branch manager XXXX XXXX who talked to me as though I was a remedial when I have ascertained over 4 advanced degrees. Chase is in violation 12 CFR 204.2. I walked in Chase bank a consumer and walked out overstanding equal opportunity or customer service is an illusion.
Product: Debt collection

Investment retrievers claims they are attempting to collect a debt from a repossessed vehicle previously financed through Nissan Motor Acceptance. They claim the last payment ( when vehicle was sold ) was in 2012. Several issues involve this reporting on my credit report and continued attempts to collect : the creditor has not produced a written loan or loan agreement that gives the creditor a security interest in the car the loan agreement does not give the creditor a right to sue you for a deficiency after it has taken the car, and XXXX XXXX is not the same creditor that is on loan papers and it has not produced an assignment or other legal document that establishes the debt was assigned to it. The creditor is barred from collecting because they failed to provide me with required written notices, did not conduct the sale of the car in a commercially reasonable manner, and refused to allow you to reinstate the loan, the law may prohibit it from going after you for the deficiency. 

XXXX claimed notices were mailed. This is n't true and I 'm sure they are producing false documentation after the fact because I have complained many times. 
Per Md. Com. Law 12-626, 12-115 ; 63 Md. Op. Atty. Gen. 92 collection of a deficiency balance should not be continued from investment retrievers. I asked them to remove dispute remarks from my credit report as I 'm trying to purchase a home and can not have remarks on the report. XXXX has been asked to stop contacting me ( cease and desist ) because many things were not done correctly regarding this car repossession and I do n't owe anything to investment retrievers I was never given the opportunity to buy the car, stop repossession or notified about repossession of the car as I though car payments were deferred many laws were violated
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to all XXXX credit bureaus reporting hard inquiries that I did not authorize. While I did purchase a vehicle back in XXXX of 2016 I should have not been dinged for that many hard inquiries for a one time purchase. I have asked them to remove or provide me with my signature showing authorization was allowed but none of the companies can do this and all XXXX bureaus refuse to remove the unauthorized hard inquires on my report.
Product: Debt collection

I am not liable for this debt with XXXX XXXX  XXXX and I do not have a contract with NCA plus they did not provide me with the original application like I asked. 
Account No : XXXX Amount Disputed : {$540.00}
Product: Credit reporting

I tried calling the number from the contact information from ELAN FINANCIAL and it is a recording asking me to enter my credit card number. When I enter mine it says it can not find my number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information is being shared and displayed as factual without my verification or permission ( 15 U.S. Code 1681b ) P.L 90-321 ( 82 Stat. 146 ) As a consumer, I am writing to inform you that I am revoking any and all consent to you, as consumer reporting agencies, to furnish my personal information. This is in accordance with the Fair Credit Reporting Act ( 15 USC 1681 ) and the policy of Congress ( 15 USC 6801 ) to respect the privacy of consumers and protect their confidential information.

I have the right to make sure my private information is not shared without my written consent, and I have not given such consent. Furthermore, I have not been informed of my right to exercise my nondisclosure option under 15 USC 6802 ( b ) ( c ). The account you are reporting is an adverse item and is being reported without my permission, which is against the law ( 15 U.S. Code 1681c ( a ) ( 5 ) ).

I am also requesting that you maintain reasonable procedures, as required by 15 U.S. Code 1681e, to avoid reporting inaccuracies and limit the furnishing of my information to authorized purposes.

Considering the above, I am exercising my right to opt out of your reporting services, as per 12 CFR 1016.7. I request that you take immediate action to remove my information from your records.

Thank you for your understanding and cooperation.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE 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. 

XXXX XXXX XX/XX/XXXX {$430.00} XXXX  XXXX XX/XX/XXXX {$3200.00} XXXX  XXXX XX/XX/XXXX {$3200.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$9400.00} XXXX XXXX XXXX XX/XX/XXXX {$21000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hard enquiry were made on my social security in a day by XXXX XXXX XXXX XX/XX/XXXX to XXXX different credit company which i did not know about. 
2.Hard enquiry were made on my social security in a day by XXXX XXXX XXXX XX/XX/XXXX to XXXX different credit company which i did not know about. 
3.Hard enquiry were made on my social security in a day by XXXX XXXX XXXX XX/XX/XXXX to XXXX different credit company which i did not know about. 
4.Hard enquiry were made on my social security in a day by XXXX XXXX XXXX XX/XX/XXXX to XXXX different credit company which i did not know about. 
5.Hard enquiry were made on my social security in a day by XXXX XXXX XXXX XX/XX/XXXX to XXXX different credit company which i did not know about. 
6.Hard enquiry were made on my social security in a day by XXXX XXXX XXXX XX/XX/XXXX to XXXX different credit company which i did not know about or approve of. 
7.Hard enquiry were made on my social security in day by XXXX XXXX XXXX XX/XX/XXXX to XXXX different credit company which i did not know about. 
8.Hard enquiry were made on my social security in day by XXXX XXXX XXXX XX/XX/XXXX to XXXX different credit company which i did not know about. 
9. hard enquiry were made on my social security in day by XXXX XXXX XXXX XX/XX/XXXX to XXXX different credit company which i did not know about. 
10.hard enquiry were made on my social security in day by XXXX XXXX XXXX XXXX XXXX to XXXX different credit company which i did not know about.
Product: Debt collection

A company called Credence called me and said they were with XXXX XXXX XXXX and that I had a past-due balance. I unknowingly gave them my card number and they charged me {$210.00}. I don't owe XXXX XXXX XXXX any money, I actually have a credit on my account. This is a scam company taking money from unknowing individuals. They even play the XXXX XXXX XXXX signature sound on the phone to make it sound official.
Product: Mortgage

I contacted LoanCare because of the COVID-29 pandemic, they granted us a forbearance, it is about to expire and we want to do a loan modification but they will not talk to us.
Product: Debt collection

Jefferson Capital XXXX XXXX is lying about {$2300.00} on my credit file. This isnt my debt and they will not remove it. They will not send me proof on why they believe I owe this debt. I they are also lying that they are the order debtor. How can that be if they are a collection agency.
Product: Debt collection

Rubin & Rothman , LLC, contact ( XXXX ) XXXX. Served a judgement to my bank, stated they had previously served me in a jurisdiction where I no longer reside past the statute of limitations of a supposed debt that was in my name, which I was not made aware of until receiving a hold on my bank account ( which bank did not even verify discrepancies of address indicated on judgment/hold not being within jurisdiction of current residence. Additionally, did not receive any indications of request for debt verification, civil action filed, judgement, or further information requested, as requested.

Statute of limitations of debt was past amount of time to collect on said debt, as well as account indicated as closed on credit report. Despite this, false documentation indicating aging of account was noted without a payment submitted, likely to proceed in civil litigation. Currently submitted complaints to all credit reporting agencies and am proceeding with taking legal action in response to failure of proper service, lack of receiving complaint and notice of suit, suit being filed post statute of limitations of debt, and current violations of FTC protocols, FCRPA, and violation of NY CCFA provisions.
Product: Debt or credit management

Subject : Formal Complaint Against ClearOne Advantage for Credit Damage and Fraudulent Practices Dear CFPB, I am writing to file a formal complaint against ClearOne Advantage regarding their fraudulent practices that have resulted in severe damage to my credit score and financial well-being. As a consumer seeking debt relief services, I engaged ClearOne Advantage with the expectation that they would facilitate payments to my creditors to manage and resolve my debt responsibly.

Regrettably, ClearOne Advantage failed to honor their commitments, neglecting to disburse payments to my creditors as agreed upon. This failure has led to multiple missed payments, subsequently causing a significant negative impact on my credit report and financial standing. 
Subject : Formal Complaint Against ClearOne Advantage for Credit Damage and Fraudulent Practices Dear CFPB, I am writing to file a formal complaint against ClearOne Advantage regarding their fraudulent practices that have resulted in severe damage to my credit score and financial well-being. As a consumer seeking debt relief services, I engaged ClearOne Advantage with the expectation that they would facilitate payments to my creditors to manage and resolve my debt responsibly. 

Regrettably, ClearOne Advantage failed to honor their commitments, neglecting to disburse payments to my creditors as agreed upon. This failure has led to multiple missed payments, subsequently causing a significant negative impact on my credit report and financial standing. 

The consequences of ClearOne Advantage 's misconduct are severe and have resulted in : -Substantial harm to my credit score -Ongoing harassment from creditors due to missed payments -Accrued financial penalties and elevated interest rates Despite my efforts to resolve this matter directly with ClearOne Advantage, I have encountered considerable difficulty in obtaining satisfactory assistance or resolution. Their actions not only violated our agreement but have also caused immense stress and financial hardship. 

I respectfully request the Consumer Financial Protection Bureau to conduct a thorough investigation into ClearOne Advantage 's deceptive practices, hold them accountable for their actions, and ensure appropriate reparations for the damages incurred. Furthermore, I urge the CFPB to take preventive measures to safeguard other consumers from falling victim to similar fraudulent tactics by ClearOne Advantage.
Product: Checking or savings account

I was sent an email from US Bank to sign up for a merchant services account and spend a certain amount {$50.00} or have a transaction within 60 days and I would get a {$500.00} bonus deposited into my account. I met all of the requirements and the deadline has long passed. I contacted the CS for US Bank and was told I would get an email nearly a month ago as a follow-up ... ..nothing came. I then called and spoke to a CS rep who apologized and told me I would get a follow-up email nearly three weeks ago, which has never come. I feel like this bank is defrauding me currently. I have been getting charged monthly fees on this account since signing up for this service as well.
Product: Credit reporting or other personal consumer reports

My account with XXXXXX/XX/XXXXXXXX XXXX was never late! I have had exceptional payment history witHXX/XX/XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXXXX/XX/XXXXXXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 8
Product: Prepaid card

Never received card funds was wiped out. 

Filed but denied. 

Claim XXXX XXXX Nevada cash XXXX Last XXXX card number XXXX
Product: Credit reporting or other personal consumer reports

Reported fraudulent account with bureau, provided proper documents but account not investigated properly
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Transunion is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted numerous complaints informing Transunion that I was a victim of identity theft. Transunion is failing to block or remove the accounts from my report. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports along with the Police Report which I filed in my localpolice department, provided a report circle the fraudulent accounts, & provide a photo ID for their records. Transunion has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX