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

I am writing in response to your recent communication dated XX/XX/year>, in which my request to block information in my credit report due to identity theft was denied. I submitted a valid Federal Trade Commission ( FTC ) Identity Theft Report and all the required supporting documentation, as mandated under Section 605B of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2. According to the FCRA, upon receiving a proper identity theft report, the credit reporting agency must block the reporting of information resulting from identity theft within four business days. Your letter claims that my request was denied because the information was either ( 1 ) submitted in error, ( 2 ) based on a material misrepresentation, or ( 3 ) I knowingly obtained goods or services as a result of the transaction. These claims are inaccurate, and I dispute your refusal to block the information as required by law. Under 15 U.S.C. 1681c-2 ( a ), a consumer reporting agency is required to block any information that the consumer identifies as resulting from identity theft when : The consumer provides appropriate proof of identity, The consumer submits a valid identity theft report ( which includes the FTC affidavit XXXX, The consumer clearly identifies the fraudulent information, and The consumer requests the block in writing. I have fully complied with these requirements by submitting an identity theft report, supporting documentation, and the necessary written request to block the fraudulent items. I also provided all relevant information identifying the disputed items. I received from Transunion and XXXX an that states that the block I requested was invalid due to some information as payments made on that account although the I was a victim of the id theft and the suspect actively paid off my account and opened more accounts with my information and I had not noticed what was going on for over 4 years until my score dropped. I am not really tech savvy and dont pay attention to such things and never thought I could be a victim of identity theft and under FCRA 605B ( 15 U.S.C. 1681c-2 ), that the credit reporting agency Transunion & XXXX block the information appearing on my credit report, which is the result of identity theft. The fraudulent information includes the Affirm account with an amount of {$680.00}, the XXXX XXXX XXXX XXXX account with an amount of {$4300.00}, and the XXXX XXXX  account with an amount of {$6800.00}. Additionally, a second XXXX XXXX  account under account number XXXX with an amount of {$10000.00} is also fraudulent.
Product: Consumer Loan

The company offering the Loan is LoanME inc. I entered into an agreement with them XX/XX/XXXX, after making a payment in XX/XX/XXXX I was unable to pay for the payment in XX/XX/XXXX due to losing client business. I restructured the loan in XX/XX/XXXX to lower payments and entered new terms. The company continues to report on the old terms to XXXX but had marked payment in XXXX XXXX and In XXXX XXXX as current. 

I unfortunately missed another payment XX/XX/XXXX, and had to renegotiate the terms again ( this company offers interest rate over 100 % for life of your loan and much higher if you take loan to term ). 

When I missed the XX/XX/XXXX payment, the company advised me that they were now going to reverse the " current payments '' XX/XX/XXXX and XXXX XXXX as missed. They suggested they are allowed to do this bases on there legal contract. The company now has marked my credit 30 days late in XX/XX/XXXX, 30 days late in XX/XX/XXXX even though I made the agreed upon payment, 60 days late in XX/XX/XXXX even though I made they agreed upon payment, and 90 days late in XX/XX/XXXX. ( payment was only 30 days late ) The company practices extremely deceitful and unfair credit reporting on XXXX and takes away your on time payments even though I paid them on time on there new agreed upon terms. This company should not be allowed to report to a credit bureau and is not looking out for the best interest of the consumer and practices unfair and deceitful credit reporting.
Product: Mortgage

NewRez / Shellpoint Mortgage Servicing has been requesting proof of flood insurance for years which has continually been satisfied by supplying the master condo insurance document. 

In XXXX XXXX XXXX, after receiving a letter from NewRez stating, the lender placed flood insurance had been cancelled, {$29000.00} of force placed flood insurance was charged to my escrow account causing my monthly payment to increase by approximately {$3000.00}. 

Repeated attempts to inquire, resubmit documents, and request a refund of force placed food charges to my escrow account through email, website submission, and customer service phone calls have been ignored and or deflected. 

A phone call to customer service for flood inquiries stated there was nothing they could do and that I needed to write a letter. 

Having written a letter, they continue to be unresponsive.
Product: Debt collection

We moved to Arizona and was not made aware of debt from XXXX XXXX. I am trying to refinance my mortgage and just found the collection on my credit report which I promptly paid. I work all day and am unable to call the company to get debt removed myself. When my wife called they refused to help her get the debt removed from my credit reports.
Product: Debt collection

I consumer XXXX XXXX entered into a consumer credit transaction with ALLY FINANCIAL IN 2015. I'm not obligated to pay any debt under the provisions of 15 usc 1692 the Fair Debt Collection Practices Act. This debt is fraud, and false and misleading and is already paid for. I sent a cease and desist twice to ALLY FINANCIAL to stop contacting me on all mediums. ALLY FINANCIAL has violated my federally protected consumer rights. They are harassing me, oppressing me, using obscene and profane language. ALLY FINANCIAL is committing fraud and attempting to commit theft. They are threatening to take legal actions that can not be taken. The Fair Debt Collection Practices Act governs debt collectors. They cant continue to violate me. I do not owe this alleged debt that is false and misleading and in a positive balance.
Product: Debt collection

I signed up for credit monitoring about 2-3 years ago, I noticed some inaccurate information and things on my bureaus. I took the time to go one by one and reach out to the companies with the inaccurate information. World Finance is one of the creditors. So the first or second time I spoke with someone they told me that they had investigated and was aware the account was not my account. They removed the account, then the account was back on the bureaus. Had reached out like 40-50 times with them. On a lot of occasions I was given the run around. Last month I tried reaching out again and it was the same scenario. It was verified and removed then here again its back on my credit bureaus.
Product: Credit reporting or other personal consumer reports

XXXX is still reporting a balance on my account of {$880.00}. This account was charged off. I did not receive form 1099 C from them. Please remove from credit report or I will sue them and report to IRS. 

Capital One also shows balance owed. I never received 1099 C.
Product: Credit reporting or other personal consumer reports

I noticed several discrepancies in the reporting of an account on my credit report across all three credit bureaus ( TransUnion, XXXX, and XXXX ). the details are inconsistent between the bureaus. Specifically : The last activity date is reported differently across the bureaus : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX These dates should be consistent as they represent the last interaction with the account. 
The account closure descriptions vary : TransUnion : " Charged off as bad debt. Account closed due to transfer of balance. '' XXXX : " Account closed due to transfer. Amount balance reported as a loss by credit grantor. '' XXXX : " Charged off account. Account transferred or sold. '' These descriptions create confusion about the actual status of the account and whether it was transferred, sold, or resolved. 
The payment history for this account shows a " Charged Off '' status ( CO ) for multiple months, which I believe is inaccurate because the account was closed. If this account was resolved, this history unfairly reflects negatively on my credit report.

The reported balance owed is {$0.00} across all bureaus, but the status remains " Charged Off. '' If the account has been settled or resolved, this status should reflect " Paid '' or " Settled. '' The term length is reported as 31 months, but it is unclear if this reflects the original terms of the agreement or if there was a modification. 

These inconsistencies are misleading, harmful to my credit score, and do not reflect the accurate status of the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter in reference to incorrect personal information in my credit profile that has never been associated with me, yet they still are reporting this information. I attached my driver 's license as proof. 


This is the only personal information that should be on my report. 
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX New Jersey XXXX It is unlawful to report information on a consumer report.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request an unauthorized credit inquiry be removed from my credit report. I received a copy of my credit report and became aware of an inquiry I did not authorize. 
XXXX XX/XX/2023
Product: Debt collection

I am a victim of identity theft. In 2016 my apartment was broken into and several identity documents were stolen, including my photo ID and social security card. I filed a police report with the XXXX Police Department - report ID : XXXX I have attached a copy of the police report to this complaint. 

The debt being collected does not belong to me. I did not take out a loan, nor have I ever taken a loan, from " Speedy Cash ''. I have never taken out a payday loan period. I did not receive any funds or benefit in any way from a loan taken from this company.

During the course of this identity theft several accounts were opened in my name. All creditors were notified that these accounts were fraudulent and investigations were opened. I have attached copies of letters from other creditors who opened investigations and found these accounts were not opened by me. 

Several bank accounts were opened in my name as well. I suspect whatever bank this loan was sent to was one of them. Bank accounts fraudulently opened in my name included XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of these accounts have been disputed, closed and removed from my credit reports. 

I have also attached the FTC affidavit of identity theft to this complaint.
Product: Debt collection

Calling XXXX a day for well over a month and leaves blank voicemails most of the time. I sent a certified letter asking for proof of the debt and to stop ALL communications until this has been done. So far that letter has been completely ignored which is why I am contacting you. They are not only calling me, but also other people that I know which have nothing to do with anything loan related.
Product: Credit reporting or other personal consumer reports

I noticed that a collection from XXXX XXXX XXXX XXXXXXXX is on my credit for XXXX XXXX of which i have an account with and can log in and make payments of which i made one earlier. This account was never sent to collections and i would like it removed off of my Equifax and XXXX. I have no knowledge of this collection agency nor have i conducted any business with either.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the XXXX XXXX and the XXXX reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. I am opting out of your reporting services. 

PLEASE REMOVE ALL ACCOUNTS THAT ARE IN VIOLATION IMMEDIATELY!
Product: Credit card or prepaid card

On or about XXXX of XXXX, I contacted XXXX XXXX XXXX and asked them if they offer services to my home air conditioning/heating system and they said 'yes '. Specifically, I asked them if they would pay for freon for my air conditioning system if it needed it. They said 'yes '. So I started paying them {$75.00} a month for the next 6 months. On or about XXXX, XXXX, I called XXXX XXXX XXXX again and requested a free home inspection which is one of their offers for opening the account. At that time, I again asked them if they cover the freon if it became necessary, only this time they said 'no '. At that point, I asked them to immediately close the account and asked for a full refund of the monthly payments to date. They refused, and then I was hung up on. I subsequently disputed the charges with Capital One Bank, the issuer of the credit card that I had used for these monthly transactions, to protect my rights and receive the refunds. At first Capital One issued the refunds, however the next month, they recharged my account of the charges. I feel that I have been defrauded with incorrect information from XXXX XXXX XXXX and now Capital One is not protecting my rights. What's more, to date I have not received ANY services from XXXX, despite my monthly payments to them. So they expect me to pay for services that I never received along with accepting their fraudulent information. I am asking the Consumer Finance Bureau to protect my rights and secure the refunds. Thank you.
Product: Debt collection

Collection account with  Portfolio Recovery. I have made contact by telephone and email to dispute this d ebt since  XXXX   XXXX ,  XXXX . I have continued to receive collection notices but never verification of this debt. I have requested verification of the debt in regards to the amount listed as owed since  XXXX   XXXX ,  XXXX . I was recently mailed a statement  XXXX  of  XXXX , with no additional information in regards to this debt.
Product: Credit card or prepaid card

I charged a dental service on my credit card on Saturday XX/XX/XXXX The charge was XXXX XXXX baht The published exchange rate is XXXX baht/USD The charge appeared on my account was at rate of XXXX baht/USD, WHY? 

The billing should be {$180.00} I was charged {$180.00} Difference {$4.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite 2 former CFPB complaints, XXXX XXXX continues to report incorrect information regarding a balance owed to them. 

I have attempted several times to contact XXXX XXXX at XXXX. She declines to return my phone calls and will not respond to my letters. 

XXXX is reporting to all credit agencies that I have a balance of {$6000.00} that is past due and was charged off. I dispute this amount. XXXX card, only through a letter in response to my former XXXX complaint states that I owe a balance of {$3400.00}. I want to know why they are reporting that I owe a balance of {$6000.00}. In fact at one time in XXXX, they were reporting that I owed a balance of {$360000.00}. 

I have contacted XXXX and asked that they provide detailed information concerning the {$6000.00} balance that they continue to report. After 60 days I still have not received an explanation.
Product: Mortgage

I am on social security and the company was aware of this I get paid once a month at the XXXX wed of every month and again original company SunTrust well they were all aware of this. SunTrust sold the company to Truist. I had a fha loan to keep my payment of XXXX approximately the new company raised my bill to XXXX dollars Sun Trust knew that i did not get paid till the end of the month and they added late charges i spoke with them a while ago i wanted my payment date moved but nothing was done. I have tried to pay my bill for the last 2 months and they refused to accept it so now i am 5 months behind because of it. My loan investor they are trying to give me is XXXX XXXX!! federal housing Administration. i was having no problem paying the mortgage `till they took it up XXXX dollars and my grandson left and he was paying the XXXX XXXX XXXX which runs XXXX a month.so as you can see a bit of money added to my financial stress I do not want to lose my home so i definitely have a financial hardship would i be eligible for any assistant from the state of federal government i spoke to someone from Community and they told me because i had to put my son and daughter in law into the application. They do live with me and they pay my cable bill but there is no other financial aid from them they have their own life here. I do have custody of my XXXX great grand children Truist denied my request so where do i go know and what can I do to save my home my balance on the house is XXXX with a mature date of XXXX XXXX the new principal would XXXX this includes my insurance also and taxes I do not want to sign the disclosure that they sent me because it would take my payment out I will be dead/ they also want me to pay not sure of the correct amount but is is about XXXX dollars now if i had this kind of money for a down payment don't you think i would have paid my bill and not even need this. All if looks like to me they are setting up for a foreclosures when i die so they can take the house back after i have paid on it so many as you can see i need help please let me knowif anything can be down ' thank you
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX has sent XXXX letters threatening with arrest for not paying XXXX citations issued by the XXXX of XXXX, Texas. I have never received any citation neither from XXXX or any other place. Said citations were issued to a person with a similar name to mine. I contacted the XXXX of XXXX after receiving the first letter, they asked my birthdate and was informed that the person receiving the citations had a different birthdate. I contacted the aforementioned law firm and informed them of that fact. Today, XXXX/XXXX/16 I received another letter threatening with an arrest and cancellation of my driving license.
Product: Credit reporting or other personal consumer reports

THERE IS INFORMATION THAT ON MY CONSUMER REPORT THAT IS A RESULT IN IDENTITY THEFT. I DID NOT PROVIDE WRITTEN PERMISSION OR INSTRUCTIONS FOR IDENTIFICATION TRANSACTIONS TO BE REPORTED ON MY CONSUMER REPORT. I AM REQUESTING THAT THE REPORTING OF THIS INFORMATION BE BLOCKED AND DELETED. MY REQUEST TO BLOCK IS NOT BEING MADE IN ERROR ; NOR IS MY REQUEST TO BLOCK BEING MADE ON THE BASIS OF A MATERIAL misrepresentation OF FACT BY ME RELEVANT TO THE REQUEST TO BLOCK THE IDENTIFIED TRANSACTIONS. THE IDENTIFIED TRANSACTIONS ARE NOT INFORMATION RELATED TO ANY TRANSACTION BY ME AS THE CONSUMER. I HAVE CONTACTED THE COMPANY SEVERAL TIME DATING FROM XX/XX/XXXX UNTIL XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The unverified items listed below remain on my credit report in violation of Federal Law.

You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 

Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately. 

Remove the following negative remark from my credit report. 

SBNASELFLNDR XXXX XXXX XXXX XXXX SBNASELFLNDR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have a simple request. What procedures does your company have in place to investigate accounts? Can you send me a copy of those procedures? Second, what data are you basing your verification off? Please send that to me also. I want to make sure you are following the law. 

15 Days should be enough. 
Tracking all letters. 

Thank You, XXXX XXXX