23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have sent a debt verification letter on XX/XX/2021 they received it on XX/XX/2021. Ithe company sent me a bill of XXXX instead of the information I ask for. They did not validate the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XXXX purchased two of my student loans.  I was in deferment at the time.  In XX/XX/XXXX XXXX  reported to the credit bureau I was late on my payments.  I never received information regarding the purchasing of my acct.  My one phone gets about 20 robo calls PER DAY.  I have had to ignore/turn off for peace of mind.  If they tried to call I probably couldn't tell due to the tobo calls.  I discovered XXXX when I obtained a credit report.  Contact with their acct resolution is did not get the info corrected and stated they cannot correct the credit info.  I would have to have a complete XXXX discharge that dated back before the report to the credit bureau occurred.  That I signed a paper in XX/XX/XXXX that I would keep the loaner informed with contact info.  I still live here but phone ??????  Being under impression that I was in deferment......am I to call the lender each week to make sure they have not sold my acct?.  I don't know how students can keep up with so many companies and transfers in the mist if so much fraudulant companies taking advantage of us....especially XXXX yr old ones.  Something needs to be done to clarify who is who and companies responsible for taking deferments with their purchases or alerting the consumer.  Now I have 7 to 10 yrs of bad credit from it.  I trusted the system when I filed for the deferment to keep it.
Product: Mortgage

I went into foreclosure back in 2016 due to loss of income, lost my job. Went back to work and filed for a modification of reinstatement with Chase. I was refused 2 times because I defaulted in the past. I hired XXXX XXXX who said they can get me back on track. They filed 2 more times with no results. All the times I sent in for reinstatement or a new modification Chase never used my income as a barometer for another chance. Same answer came back, because of prior defaults I would not qualify. I tried one more time and was denied once again. I make enough money to pay for my mortgage and more. I even offered chase part of the money back to negotiate a settlement, but to no avail. They want the total amount owed or I lose the home. I'm very frustrated with Chase and feel that although I did refinance in the past and went into default due to hardships from losing my work. all I want to do is save my home and get my mortgage reinstated. 

Thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX CXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is my repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm arguing have nothing to do with any transactions I've carried out or given permission for a reason to obtain goods, services, or cash. Please take the following things away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX AND XXXX XXXX Balance Owed : {$460.00} CREDIT COLL ( Original Creditor : XXXX XXXX XXXX COMPANY ) XXXX Balance Owed : {$90.00} XXXX XXXX XXXX Balance Owed : {$0.00} ELEVATE XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1600.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX || Date of inquiry : XX/XX/year>. XXXX  || Date of inquiry : XX/XX/year> XXXX  || Date of inquiry : XX/XX/year>. XXXX  || Date of inquiry : XX/XX/year>. XXXX  || Date of inquiry : XX/XX/year>. XXXX || Date of inquiry : XX/XX/year>. XXXX XXXX XXXX || Date of inquiry : XX/XX/year>
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 60days later I have not receive a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), is plainly stated a that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress 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: Vehicle loan or lease

A car was issued in my name it was definitely fraudulent XXXX XX/XX/year> Ive tried to dispute several times and it still remains on my credit.. please remove!
Product: Debt collection

I contacted Enhance Recovery Center by mail on XX/XX/XXXX it was picked up on XX/XX/XXXX to validate a debt. They did not provide legitimate proof. XX/XX/XXXX I called and asked a customer service agent how my debt was verified she did not have any information correct on this account that is supposedly mine. I was immediately referred to a supervisor even though I did not ask for one. Once I spoke with said supervisor, she did not provide adequate information either how they proved the debt was mine verified and validated and repeatedly threatened to report it negatively on my credit report if I did not pay. Now, according to the Fair Credit Reporting Act " 807. False or misleading representations '' ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed " If a consumer makes a timely request for debt validation and a debt collector fails to provide proper validation or does not respond at all, the debt collector may not legally continue to pursue the debt. ''
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ( XXXX minutes ago ) to me I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. I have filed multiple disputes about the same issue with my credit report for over a year now. Inquiries from various auto dealerships appeared on my credit file. These inquiries are excessive, duplicative, and were made without my explicit authorization or proper explanation. While I understand that one inquiry may be required for an auto loan application, it is unreasonable and harmful to my credit profile for multiple inquiries to occur within a short period. These actions are in violation of the principle of permissible purpose as outlined in the Fair Credit Reporting Act ( FCRA ). Below is a list of inquiries : 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 XXXXXX/XX/XXXX Federal Law under the FCRA prohibits credit reporting agencies from including inaccurate or unverifiable information on consumer credit reports. Based on my records and communications with the creditor, I believe these late payments are either : XXXX. Inaccurately reported : I made payments on time, as evidenced by payment confirmations and bank statements. XXXX. XXXX : The creditor is unable to provide sufficient proof of the alleged late payments. Accounts showing Late Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have a mortgage with XXXX XXXX, in XX/XX/XXXX, I fell on a hardship and requested assistance. In XXXX they approved me for a partial claim and deferred my payments for 3 months ( XXXX, XXXX and XXXX ). I resumed payments on a 3 month trial basis on XX/XX/XXXX, XXXX XXXX XXXX and received and returned the documents for the permanent modification mid XXXX. I have not missed a payment, yet they reported a missed payment in XXXX causing my XXXX XXXX to drop XXXX + points, I disputed and they removed it and added an erroneous note that said I made a partial payment. I received a credit alert on XX/XX/XXXX that said my account was 90 days past due which is inaccurate and that they had not received my XXXX payment which was paid on XX/XX/XXXX. I have not missed nor been late on a payment ever. This resulted in my score dropping another XXXX points and has caused long time creditors to close some of my accounts. I contacted them and they said they made a mistake and applied it to XXXX ( which I was in deferment status at that time ) so another mistake on their part. I have every letter that they sent after correcting their mistakes but this last incident, I have disputed and have not received an update. I want the incorrect info of 90 days past due removed and my credit restored.
Product: Credit card

Multiple instances of suspicious or fraudulent activity on my account that Chase never alerted me about. 

On XX/XX/year>, I tried to make four transactions that were all denied. I called Chase who informed me that they were denied for being suspicious activity. I asked why hadn't Chase alerted me ( as they have done historically ) that the charges were denied because they were suspicious. They acknowledged the failure on their part, but could not explain the failure.

In the course of that conversation we started talking about authorized users on my account. They mentioned my mother, who is not an authorized user. They then revealed that on XX/XX/year>, Chase customer service spoke to me ( it wasn't me, it was fraudulent ) who authorized my mother on the account. Chase acknowledged that they were going to ship her a card but it was flagged on their end as being suspicious because the address did not match either my or my mother 's address. I asked why I hadn't been alerted about this fraudulent/suspicious activity. Again, they acknowledged that I should have been alerted, but could not explain why they failed to alert me.

They also asked me my verbal password. I had never setup a verbal password with Chase and didn't know what they were talking about. They let me know the verbal password was setup on XX/XX/year>, when my mother was fraudulently added as an authorized user to my account. So Chase allowed a scam artist to setup a new password on my account, and never alerted me to the change either. They could not explain this failure, but acknowledges that I should have been alerted to these changes on my account.

In total I have spoke to five different representatives from customer service, fraud, and customer protection. No one can explain why they repeatedly failed to alert me to suspicious and fraudulent activity on my account. No one can explain to me how their customer service was scammed into adding someone to my account without my authorization. No one can explain to me why some scammer was allowed to add a password to my account. I would never have discovered any of this if I hadn't called Chase myself and accidentally stumbled into learning about it. This is egregious and Chase 's fraud department and security practices need serious overhaul. They do not take alerting their customers to suspicious or fraudulent activity seriously, and they should be embarrassed that their customer service personal are so easily dupped that they let scam artists create passwords for accounts that are not theirs.
Product: Mortgage

Goodmorning, our loan # XXXX in Roundpoint mortgage bank And we are calling and trying to pay regular XX/XX/year> mortgage payment {$3700.00} it's not accepting through, XXXX XXXX tells their is over due {$13000.00}, last month Roundpoint bank send to us Modification documents for $ XXXX request were we behind and we send our payments history pages. They not answering for correct balances. 
XX/XX/year> we paid additional $ XXXX over due balance is supposed {$6500.00} on also in our dispute, we already send payment history to check and give us correct balance we want pay.. XXXX XXXX keep say {$13000.00} if not pay full amount they don't want receive regular mortgage .monthly payments {$3700.00}. XXXX XXXX threatened us will take go foreclosures. 
Please call help us phone # XXXX. 
Thanks
Product: Debt collection

ERC has repeatedly called me about collecting a debt. I asked if this is my debt, they said no, but the debtor belongs to my number? They just dont stop calling. This is not me or my debt.
Product: Vehicle loan or lease

On XX/XX/2017, I arrived at the XXXX XXXX XXXX XXXX dealership to discuss the return details of my XXXX XXXX XXXX as well as a possible new lease. After several hours w XXXX who also assisted me in leasing 3 years prior, we agreed on terms that would allow me to begin a new lease on XXXX XXXX as well as cover all closing costs on my XXXXXXXX XXXX plus, any wear and tear fees or other charges that may occur. It was made explicitly clear to me that once I enter into a new lease w Hyundai there would be no further liabilities of any sort  regarding the older lease. I spoke with the general manager of  the dealership as well, who likewise assured me that the agreement we reached was as I have described. Since all the details had been settled, I left the dealership with a new lease on a XXXX XXXX having fully believed that all my financial obligations for my XXXX XXXX lease had been cleared. In XX/XX/XXXX I received a notice from the co which I had gotten wear & tear coverage from ( XXXX ), that if I wanted to make a claim for coverage on my returned lease I would have to send in certain documentation. Thinking that I was not in need of this coverage because those fees ( if any ) had been covered during the negotiation of new lease, and since I was NOT notified otherwise by XXXX ( XXXX XXXX XXXX ), I didnt apply to receive any compensation for wear & tear charges. Continuing into XX/XX/XXXX I received a call from XXXX telling me that I had a balance remaining on my lease for wear & tear charges. Per instructions from XXXX & XXXX I mailed the documents received by the dealership to XXXX only to be told weeks later that they were incomplete & unacceptable. For the next few months i went back & forth between XXXX, XXXX and XXXX XXXX XXXX trying to resolve the situation. These entities/affiliates did not communicate w eachother, and throughout the process one was always blaming/waiting for the other 's performance. The situation was taking long to resolve and i became concerned due to the fact that a collection agency was involved ( even though i was continuously assured all was well ), i decided to expedite/resolve the matter and ended up paying the XXXX I was later partially reimbursed by XXXX. The following month XXXX put a 90 day late on my credit report.
Product: Credit reporting or other personal consumer reports

I am following up on my recent update regarding my status as a victim of fraudulent activity. Allow me to reiterate that, in accordance with FCRA Section 605b, Credit Reporting Agencies are required to remove any items listed on an identity theft report. Mine is referenced under # XXXX. Attached, please find the necessary documents to facilitate the removal of erroneous information and fraudulent inquiries from my reports. Below is a list of items that were opened without my authorization : EQUIFAX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX. As outlined in FCRA Section 605B ( a ), Credit Reporting Agencies must remove any items identified by the consumer as resulting from alleged fraudulent activity within four business days of receipt.
Product: Mortgage

PHH Mortgage was my Lender and my Property taxes of {$1600.00} were due on XX/XX/XXXX, which I have an escrow account setup. I was in the process of refinancing with a new lender when I found out during my title search my XX/XX/XXXX taxes were delinquent. I notified PHH tax department of my delinquent taxes around XX/XX/XXXX. They failed to pay my taxes until after I closed on my refinance. After I closed they sent the late tax payment to my town on XX/XX/XXXX, which my town sent back to them on XX/XX/XXXX because we had already paid the delinquent taxes. PHH mortgage keeps telling me they do not owe me this money because they " paid it '' but their check was never cashed by the town. I have proof from the town the checks were mailed back to them. I also incurred late fees and interest from their lack of making prompt payment to my town. See attached copy of returned check letter as well as my closing documents see page 23 line F5 and also see pages 92 and 93 for delinquent tax information, which was paid by my closing lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 
1. there is some inaccurate information reportingXXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove inaccurate reported late payments update to paid as agreed 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX 6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX : Account XXXX XXXX This letter is sent in response to [ a letter/phone call ] I received on [ XX/XX/2020 ]. I am requesting that you provide verification of this debt. 

Please send the following information : The name and address of the original creditor, the account number, and the amount owed. 

Verification that there is a valid basis for claiming I am required to pay the current amount owed. 

Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 

Please also note whether this debt is within the statute of limitations and how that was determined. 

Also please include proof of the original contract with my signature. 

Please also forward details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. 

Sincerely, XXXX XXXX