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

I submitted a dispute last month as well as this month in regards to my account with Portfolio recovery I do not agree with the charges and it said it came back verified. This was a secured credit card meaning I self funded it. I increased my limit and the amount due should never been more than the credit limit. I advised XXXX XXXX when the charges originally posted that it was invalid they said they would dispute with the company and next thing I know it was sent to collections for the full balance. 

In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 
I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
2. What is your authorization of law for your collection of information?
3. What is your authorization of law for your collection of this alleged debt?
4. Please evidence your authorization to do business or operate in this state.
5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.
6. Please provide a complete account history, including any charges added for collection activity.
You have thirty ( 30 ) days from receipt of this notice to respond. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of your claims in this matter, and will entitle me to presume you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it.
Product: Vehicle loan or lease

I am a natural person. I am a living human being. I have rights under 15 USC 1681.

Govern by 15 USC 1681. And they violated my rights numerous of times. I demand the account listed below be removed.

According to 15 USC 1681. I have the right to privacy and did not give written permission to furnish this account. 


ALLY FINANCIAL XXXX {$22000.00} Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Joint Account Account Type Installment Account Loan Type AUTOMOBILE Date Updated XX/XX/XXXX Payment Received {$0.00} Last Payment Made XX/XX/XXXX Pay Status >Charge-off< Terms {$0.00} per month, paid Monthly for 75 months Date Closed XX/XX/XXXX High Balance ( Hist. ) High balance of {$32000.00} from XX/XX/XXXX to XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I had sent a notice to these to agencies about 2 months ago and have not received a response nor a solution to my problem. I had requested to be opted out of the reporting of the following information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I want my nonpublic financial information to stay private so I am asking that I am opted out of reporting that information pursuant to 16 CFR 313.7 - Form of opt out notice to consumers. I have a right to privacy and I intend to keep it.
Product: Mortgage

Further information needed into the accuracy of Mr.Cooper 's reply letter dated XX/XX/XXXX. 

Your letter claims no post-petition made in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Can you please acknowledge the Chapter XXXX bankruptcy court 's confirmation date of XX/XX/XXXX? If this is correct, no repayment schedule ( plan ) had been approved by the Bankruptcy Judge/Trustee for that XX/XX/XXXX payment. This would be the reason for no payment. Transactions # XXXX, # XXXX, and # XXXX of XX/XX/XXXX, should have been moved to post-petition payments after confirmation repayment approval. Please see the payment transactions from your attached reply ledger. Transactions # XXXX, # XXXX, and # XXXX ( page 29 of 43 ), do these amounts not cover the missed payment for XX/XX/XXXX? Transactions # XXXX, # XXXX, and # XXXX ( page 24 of 43 ), do these amounts not cover the missed payment for XX/XX/XXXX? 

Please explain Transaction # XXXX labeled XXXX XXXX XXXX ( dated XX/XX/XXXX ) and # XXXX labeled XXXX XXXX XXXX ( dated XX/XX/XXXX )? Both seem to be the same code used at Transaction #  XXXX that transferred this loan to your mortgage company.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX hard inquiries have appeared on my credit report
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX 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. 

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

Caliber homes loans requires 40 days to post mortgage payments to consumers account. Caliber home loans does not communicate this with the credit department within the caliber home loans institution. This harmful behavior causes the consumer credit report to be ruin. My XXXX payment is in the possession of caliber home loan and has yet to be posted in the month of XXXX. Caliber says they will post when they get to it and fix credit later. This is a horrible response. This is a careless response for the consumers.
Product: Vehicle loan or lease

On XXXX I received an alert stated that a hard inquiry as been made on my credit report. Their should not have been any inquires because I have not applied for anything. However, there was a hard inquiry from Consumer Portfolio Services. I purchased a vehicle from them in XXXX of XXXX as a desperate buyer. The loan itself, I will file a different complaint. I disputed the inquiry with the credit bureau and they did n't remove it and I have attmepted to contact XXXX but it only takes me to their collections department. More recently I received a letter from their attorney for debt collection.The company operated with a XXXX mentality and I no longer want to be silent about their way of doing business. They had no right pulling my credit report. No right
Product: Debt collection

Target customer services misrepresented the amount that I owed on my Target credit card. This resulted in a late payment with fees and interest. I paid the entire balance less the fees. Target continued to bill me late fees in addition to more late fees. After further attempts to resolve issue I wrote a memo informing Target that this issue is in dispute and the original late payment was a result of misinformation provided by Target employees. Target has apparently reported this to credit agencies. Your help would be appreciated.
Product: Debt collection

XXXX XX/XX/2022, I received a letter from ERC stating that I owe XXXX XXXX XXXX {$170.00}. I called on XXXXXXXX XXXX  @ approx. XXXX and spoke with XXXX XXXX ( name given to me ) and clearly stated that I have never has XXXX XXXX XXXX. I informed her that I have never lived at the address in question and that wasn't my the SSN. Additionally, she stated that I would NOT get anymore notices. 

Well today, XXXX XX/XX/2022, I received another notice stating that I owe {$200.00}. I called and spoke with XXXX XXXX ( I think he said XXXX ) @ XXXX and he gave the same address and last four of the SSN, which I have never lived at the address in question and the SSN was incorrect, not belonging to me. 

How can I stop ERC from sending me this info? I have proven on two occasions that the bill does not belong to me. As I mentioned to both representatives, I have a common name and i assume that someone in the company looked in the phone bill and found a that name under XXXX, Ga, which there are about three of us with the same names but different SSN. 

Thanks, XXXX
Product: Money transfer, virtual currency, or money service

Wrote check with XXXX XXXX..Community Choice Financial broight company made payment plan made payment company created a check in my name signed my signature..NEVER signed a contract with Community Choice Financial never k ew anythi g about the company NO notice only a phone call..They tried to steal {$240.00} out of checki g Account without my premission and created a falde check in my name..The original amount was {$360.00} with XXXX XXXX NOT Community Choice Financial. My accou t was debited for {$36.00} NSF charge.I am a XX/XX/XXXX XX/XX/XXXXout onXX/XX/XXXX..They took my payment plan money of {$120.00}. Mgr NEVER noted my accoint stated corporate and they had the roght to make a check out in my name for a lesser amount. I have keep my payment arrangement and they were very wrong.. PLEASE HELP ME.. 
COMMUNITY CHOICE FINANCIAL XXXX CUSTOMWR SVC # Thank You XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information information to nonaffiliated third parties without my consent.

I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). XXXX XXXX XXXX is depriving my of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to TRANSUNION by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Mortgage

Shellpoint Mortgage ( Newrez ) is not following through with my successor in interest request.

First submission was in XX/XX/2020 for assumption process. They forced me to try for a loan modification and then a forbearance. Im not interested in either. 
After opting out of loan modification, there has been zero communication on their part. They say to resubmit yall documents. One rep will say Im listed as secondary note holder while another says Im not on the note nor can they discuss the successor in interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

During XX/XX/XXXX a new account with XXXX was reported twice. I only have one new account with XXXX. This affected my credit score that decreased one point. Also, XXXX-XXXX   decreased my credit limit but I was not informed. This information maybe wrong with Experian.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> is a hard inquiry on my credit report.
Product: Debt collection

Never heard of this company until today. Not sure why theyre calling me multiple times without leaving a message. Heard they are scammers collecting from the dark web to harass people for money. Will call family members and employment for personal information pretending to work for the government or courts. Not to mention using spoofing tactic or phishing email to track you.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX XXXX Account # XXXX I'm writing to bring to your attention a troubling issue involving XXXX XXXX and the major credit bureaus TransUnion, XXXX, and XXXX. It's regarding some inaccurate and unverified charge-off information that's hanging around on my credit report like an unwelcome guest.

Despite my best efforts, this charge-off account hasn't been adequately backed up with any solid documentation, despite my repeated requests and disputes. According to the Consumer Financial Protection Act ( CFPA ) [ 12 U.S.C. 5511 et seq. ] and the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ], XXXX XXXX and the credit bureaus are obliged to play by the rules. This includes ensuring that any disputed information on my credit report is thoroughly investigated and supported by proper documentation. 

But here 's the kicker every time I've asked for some proof or documentation to back up this charge-off, I've come up empty-handed. And the responses from TransUnion, XXXX, and XXXX? They've been pretty vague, just saying the info is " verified, '' without showing me any proof. 

This lack of documentation is more than just frustrating ; it's a clear violation of my rights under the FCRA and CFPA. As a consumer, I have the right to accurate and verifiable information on my credit report. The fact that there's no evidence to back up this charge-off raises serious doubts about its accuracy.

So, I'm asking no, I'm demanding that this unverified charge-off be taken off my credit report with TransUnion, XXXX, and XXXX immediately, in accordance with the FCRA and CFPA. If XXXX XXXX and the credit bureaus don't comply, I'll have no choice but to explore all available legal options to seek redress for the damage this has caused.

I'm counting on you to help me out here. Let 's get this sorted and put this whole mess behind us.

Thank you for your prompt attention to this matter. I eagerly await your response and the resolution of this issue. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, Affirm Inc. is not adhering to the protection order for credit reporting under the statute below. I contacted Affirm Inc. customer service on XX/XX/XXXX, on a recorded phone line ; the person stated he would share my concerns about the credit reporting to find a solution. No delinquency can be reported to the following credit agencies until after my account 's XX/XX/XXXX due date. 

Credit reporting Were required by the Fair Credit Reporting Act to report all account information accurately to consumer reporting agencies. 

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 Credit Protection During Covid-19. ( Please review the attachment - 120 days after the end of the Pandemic, all creditors must refrain from reporting delinquency or modifying terms up to 120 days after the end of the COVID-19 Pandemic. ) Please review the official start day of COVID-19 by the World Organization of Health XXXX XXXX XXXX XXXX XXXX XXXX Please check the official end day of COVID-19 by the CDC - ( the Covid-end date was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute on XX/XX/XXXX and I never receive the results within 30days. I sent several letter to Experian in the last month. All I keep getting is if I want to dispute indicate a specific item. I did that on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Okay so on my credit report there is reporting duplicate accounts with the information incorrect on both. Not only that this information was verified as accurate. I have disputed this information twice now and it is still reporting inaccurately.
Product: Credit card or prepaid card

I requested a credit line increase last week, they told me theyll notify me of the decision in a few days in the app. Ive been getting random missed calls throughout random times of the day when Im at work. I tried calling the number the representative answered claiming its capital one and demanding my personal information. Sounded like a complete scam, hes demanding my full social, card number, and DOB and refuses to tell me where hes calling from and why. I called the capital one number on my card, and demanded to speak with a supervisor who told me whoever is calling me is leaving no notes on the account as well but they do see outbound calls going out to my account. Fast forward I got an email from capital one stating they denied my credit line increase request due to not being able to get in contact with me to verify my account. How am I supposed to know who and why someone is trying to contact me if theres no voicemail and when I call in your representatives are acting like theyre running a scam?! Then they tell me to re-apply to go through the same scammish procedures and hope for the best that they call me when Im not at work. I have an XXXX and XXXX credit card and never heard such ridiculous nonsense before. If this is the customer service capital one have to offer I will be closing out my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in Identity IQ and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, XXXX and TransUnion have not answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete its investigation within XXXX  days. Please check the payment history, date open, last activity, and Status of XXXX XXXX XXXX. I believe it was reported in error. Also, correct the address in my fiel. 
XXXXXXXX XXXX XXXXXXXX Balance : {$16000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$4500.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was Dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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: Student loan

I called Navient to ask for a PAY OFF BALANCE. I was talking to Navient. They indicated a false balance and said I was eligible to just pay 4 lump sum payments and have the rest forgiven. I followed their procedure, made 2 of the 4 payments, then receive a letter from the US Dept of Education with correct balance information and how this company enrolled my into a Income driven IDR consolidation that is incomplete. The company that serviced the consolidation is a fraud entity called XXXX XXXX XXXX XXXX, XXXX. I call them to get an email of the contract they set up with me. They digitally put my signature on a contract that I would have never signed. The language is beyond misleading and does not make sense. I call them, they reiterate false information about how the balance will be forgiven. I tell them to cancel. I call my bank to cancel my debit card. I am now seeking to be placed on the class action lawsuit. I have lost {$1400.00} from this misleading information process. I wanted to pay off my balance, and trusted the agent in what she was telling me. The phone call took place in XXXX, 2020.
Product: Mortgage

Hello, My parents pass last year and I'm one of the heirs, that reach out to PHH Mortgage, to proceed with the next steps to purchase the house. On XX/XX/year>, a letter of intent to purchase the house was mailed in. We didn't hear back from the mortgage company, on XX/XX/year>, both death certificates were mailed to the company, with the letter from the person that wanted to purchase the house. On XXXX XXXX, spoke with a rep from PHH and were informed, we need to send in a short sale application not letter of XXXX XXXX short sale application was mailed on XX/XX/year>. In the mean time we were process of finalizing getting all of the XXXX affidavit for the attorney, like we were advised to do. on XX/XX/year>, is when the affidavit XXXX was mailed to the company listing all of the heirs. After no response we reach back on XX/XX/year> and was informed that XXXX of the heirs had to complete the short sale not a family member. The heir was instructed to fax the short sale application to the company. When speaking with the rep, the heir was informed they haven't received any of the other information, except for the affidavit of heirs, everything was mailed ahead of time to the exact address, starting in XXXX. I don't understand how the mortgage company received the affidavit of heirs and none of the other paperwork.
Product: Checking or savings account

On XX/XX/2022, I received electronic notification that my XXXX checking account was being closed after a ATM check deposit in the amount of {$9500.00} was made at a Wells Fargo ATM. The ATM receipt displayed a incorrect deposit amount of {$9000.00}, I immediately called Wells Fargo to report the discrepancy and was provided claim # XXXX. Within 1 hour of reporting this discrepancy, the bank sent me electronic notification that they were closing my account on XX/XX/2022 and suspending all withdrawals and deposit activities immediately. It is not acceptable, fair nor is it professional that the bank has decided to close my account without any logical reason while holding my money " hostage '' until XX/XX/2022. It seems the bank is punishing me for reporting a ATM deposit error which is the bank 's fault. I have been with the bank as a customer for over 20 years and still held my relationship with the bank even as they were facing a headwind of abusive, unprofessional and unauthorized behavior. The illogical closing of my account sadly seems like a continuation of that abusive and illogical practice which is not unacceptable.
Product: Credit reporting or other personal consumer reports

I have submitted a report to the FTC regarding the unauthorized credit inquiries, which are a clear violation of my consumer rights. 
I have disputed these inquiries with Equifax, providing evidence and documentation to support my claim that I did not authorize these inquiries and that they are inaccurately listed on my credit report. 
Despite these actions and the clear provisions of the FCRA, Equifax has failed to remove the unauthorized credit inquiries from my credit report, stating that they are accurate. This response is not in compliance with the FCRA, and it undermines the protection of my consumer rights. 

I am writing to request that Equifax takes immediate and corrective action to address this issue in compliancewiththeFCRA.
Product: Debt collection

Paid medical bill in the amount of {$8.00}, check # XXXX on XX/XX/2019. This check cleared payee 's bank on XX/XX/2019. On XX/XX/2019 I received a phone call from Transworld Systems Inc. ( TSI ) in which they attempted to collect this debt a second time.