23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I recently checked my credit report and found a collection on my credit which was deleted by the law office of XXXX XXXX XXXX. I received correspondence from the collection company once and was told the debt is mine and I was responsible for paying it. 

I have two fraud alerts which were established with the credit bureaus in XXXX and XXXX however the same company continues to shop this debt to a collector attempting to collect on it. This fraudulent transaction was in XXXX and I have included a screen shot where I previously filed a complaint with the CFPB concerning this attempt to collect on this fraudulent debt which is reporting on XXXX XXXX, XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to express my concerns regarding The XXXX XXXX XXXX and XXXX XXXX automotive inquiries Despite my previous communications on this matter, I have not received an adequate resolution. 

I request that you review this situation and provide a response at your earliest convenience, as it is important to me that this issue is resolved promptly. 
According to the law XXXX XXXX these inaccurate inquiries must be removed from my credit report Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I contacted XXXX DBA XXXX XXXX to inquire about removing my private mortgage insurance ( PMI ). Upon request, the agent said they were unable to remove it without a refinance. At no point did I consent to a refinance, and at the end of the conversation, the agent told me that it would not be a good option for me at this time. Today, I received a packet from XXXX that had a loan application from that conversation. At no point was I going to refinance my current mortgage ; especially with the current rate percentages. XXXX pulled my credit without my permission, and per FCRA, I should have this inquiry removed from my credit report, as this was something I did not consent. Also, the interest rate lock agreement violates UDAAP, TILA/Regulation Z. The buydown points are listed as a discount, fully ignoring the fact that the loan amount is increased to accommodate the buydown points. The section that shows points is the origination fee ; a completely different amount than the points charged on section A on the loan estimate. This section clearly outlines the points as {$9900.00}, which is listed on the interest rate lock agreement as {$1400.00}. This is deceptive advertising ; misleading the consumer into thinking the discount and points are the same amount WHICH THEY ARE NOT. XXXX is in violation of fair advertising per Regulation N/MAP, because they are not being truthful in the amounts that are being charged to the consumer, and disguising the buydown points as a " discount '', and omitting that value from the " points '' line on their interest rate lock agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Unauthorized Credit Inquiry To Whom It May Concern, I received a copy of my credit report and discovered a hard inquiry from your company. I do not recall authorizing this inquiry and I would like to see the application of credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. Please remove this hard inquiry from my credit file as soon as possible. 

Please forward proof to me at your earliest convenience or send a request to the credit bureaus to have them remove this error. It is urgent that I hear from you urgently, as this hard inquiry is impacting my credit score, I will move forward with bringing this information forth to a judge in my area if this information is not corrected.
Product: Credit card or prepaid card

I was charged {$1900.00} on my Chase credit card by XXXX for damage done to a rental car. XXXX has not provided me any paperwork proving the damage. 

You see, Chase is also the insurer of the damages as Chase as that is a benefit of the Chase card. 

I disputed the charge and asked for proof of loss that Chase. The same proof that Chase requires from me. 

Chase said it would not allow the charge to remain while the dispute was active. But instead of getting proof from XXXX of the charge, Chase just reinstated the charge back to me requiring proof of the charge from XXXX. 

You see it is in Chase 's best interest not to require the merchant, XXXX, to provide the proof of the charge/damages because if the merchant, XXXX, provides the proof then Chase will have to pay as part of its card benefit. 

So I do not have adequate proof of the charge from XXXX in order to make Chase pay its claim under the cards benefits and Chase is not requiring proof of the charge from XXXX as it is in Chase 's best interests that XXXX not produce proof of the charge. 


So either the charge is not valid and I win the disputed charge or the charge is valid and Chase pays the claim under its ' benefits. But Chase is not requiring XXXX to show the charge is valid and is keeping the charge against me so that I can't file a claim under the Chase card 's benefits provision. 


In other words, Chase did not treat my charge dispute properly. Instead of making XXXX prove the charge, Chase closed the dispute without making XXXX produce proof. 

The motivation for this is that if Chase did require XXXX to produce the proof, then Chase would have to pay under the insurance benefit. 

Attached is a letter dated XX/XX/2018 from Chase 's XXXX XXXX where XXXX is trying to make me produce the proof of the charge instead of XXXX. 

Also, Chase through XXXX XXXX kept repeatedly trying to tell me this information verbally over the phone but would not let me record the conversation while insisting that Chase would record the conversation.
Product: Checking or savings account

On XX/XX/XXXX, I was charged {$12.00} for Overdraft Protection Transfer Fee. 
On XX/XX/XXXX, I was charged {$35.00} for OVERDRAFT ITEM FEE On XX/XX/XXXX, I was charged {$35.00} for NSF : RETURNED ITEM FEE for a check # XXXX On XX/XX/XXXX, I was charged {$35.00} for NSF : RETURNED ITEM FEE for an electronic transaction. 

I have not yet contacted the customer. I can understand the charge for the check, but the other fees seem excessive and unnecessary.
Product: Credit reporting or other personal consumer reports

I attempted to resolve the issue with the credit furnishers and creditors that are reporting the fraudulent credit accounts on my credit file. I am now in the process of civil litigation against the creditors and soon the credit furnishers if it does not get resolved immediately. Under the FCRA I request the fraudulent accounts be blocked/deleted immediately. I have attached a copy of my Victim Determination Document.
Product: Credit reporting or other personal consumer reports

ALL XXXX CREDIT BREAU SHOW INQUIRES THAT I DID NOT REQUEST, I NEED THEM DELETED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have contacted XXXX ' XXXX and the credit bureaus regarding the reporting of my account. When I last retrieved my credit report, I noticed that XXXX XXXX XXXX   last reported my payment history in XX/XX/2018 on my XXXX report and XX/XX/2018 on my XXXX report and XX/XX/2018 on my XXXX report. I reached out to XXXX XXXX XXXX and they stated that the bureaus were at fault for not reporting my current, up-to-date payment history. To that end, I contacted each credit bureau and they stated that the issue was with XXXX XXXX. I would like for my payment history on this card to be updated on all 3 bureaus so that it reflects current and ok payments to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Applied Bank to dispute the information on all three of my credit reports asking for verification. It has now been over thirty days and I pulled my credit report I have not received a response from applied bank nor have they marked any of my reports disputed within the time frame per the fcra
Product: Credit reporting or other personal consumer reports

I recently opened a Credit card account with Capital one, they have a XXXX XXXX program on their website. I noticed that the amount of loans or debt i have in the XXXX XXXX was completely wrong. I currently only have XXXX in student loan debt it is showing XXXX? This is totally wrongId love to fix that if possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/2023 I was never late on this account listed above. Please show proof of transaction that I was ever late to support your inaccurate reporting on my account. If you can not supply this please remove this alleged late payment from my credit report. The FCRA allows thirty days for this to be rectified.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TRANSUNION Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance Owed : {$100.00} XXXX XXXX XXXX Balance Owed : {$260.00} XXXX XXXX XXXX XXXXXXXX Balance : {$5200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently paying on collection account with ERC. When I called they accepted settlement amount {$350.00}. I've paid {$56.00} on XX/XX/2019. I've made arrangement for {$150.00} to be debited on XX/XX/2019 and on XX/XX/2019 final payment of {$150.00} to close out account. On XX/XX/2019 ERC placed collection on my credit file for {$530.00}. I want this deleted asap this collection were placed after I paid them and made other arrangements.
Product: Credit card

I applied and was accepted for a credit card with Citibank the first week of XX/XX/year>. The card was never mailed out to me. I called after 3 weeks who said they'd send a replacement card in 4-7 business days but in order to track and expedite shipping they'd have to report the card as stolen? After 2 more weeks after I didn't receive the replacement card I called Citibank who said this was not shipped tracked or expedited. 

There is a 3 month promotion with this card, which is why I got the card and now I'll have less than half the time to fulfill this promotion assuming they decided to actually ship the card out to me. I have done research and this seems to be a common theme with Citibank credit cards where they delay or don't send it. They're running out the clock on a promo.
Product: Debt collection

I have been in an active dispute of contract with PennyMac Loan Services LLC and XXXX XXXX XXXX XXXX They attempted to foreclose on my property in XXXX of XXXX  this action was withdrawn. I recently received harassing and threatening correspondence from both parties attempting to exhort large sums of money and threats to again try to take my home. In a recent correspondence dated XXXX XXXX  PennyMac Loan Services LLC admitted they have been refusing to provide me with a contract proving that they gave fund to me for a loan. They also stated they are the Landlord for the Loan Originator. And that the Loan Originator are not the ones requesting repayment but PennyMac Loan Services LLC is requesting payment without having a contract. Ive repeatedly asked why they keep harassing me. They said im behind in payments but not in default with my contract with the Loan Originator. Which means no funds are tone paid to anyone except the Loan Originator who in not the one taking me to court or asking for funds. Under 15 U.S.C. section 1639b Penny Mac Loan Services LLC quoted that my agreement was to the Loan Originator not them and that I agreed to repay the Loan Originator a monthly payment of {$1.00}, XXXX for 30 years. Yet PennyMac Loan Services LLC and XXXX XXXX XXXX XXXX. are trying to fraudulently exhort {$1900.00} a month.And are making a claim of contract between PennyMac Loan Services LLC and XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX they refuse to produce a contract as stated in the letter dated XX/XX/. They don't have any financial hand in anything dealing with my Loan Contract with the Loan Originator. I pay my own taxes and homeowners insurance. So they are committing fraud and threatening me with losing my home and freedom.
Product: Mortgage

Our home insurance company raised our premium because they said we were underinsured. (The notice was lost because our mortgage had been sold 3 times in one year). However, we contacted XXXX XXXX  as soon as we received a cancellation notice from our insurance company that our policy was set to cancel for lack of payment to let them know they needed to pay the additional premium. (We called XXXX XXXX in XXXX to let them know the policy would be cancelling in XXXX)
There was a three way call between the insurance agent, XXXX XXXX, and my husband to get this issue resolved.

Everyone knew what was going on and my husband was assured the premium would be paid. Everyone had each other's direct contact number and said they would contact my husband if there were any problems.

It seems that XXXX XXXX did not pay the updated premium, nor did they reach out to the insurance agent or my husband.

Now, we have had a lapse in insurance coverage and lost our policy. We had to pay a penalty for the lapse, have increased insurance premiums on a new plan, and have to pay $XXXX for XXXX XXXX's forced hazard insurance also.
Product: Debt collection

XX/XX/2022 {$2300.00} XXXX paid a collection agency called innovative Recovery ( XXXX ) XXXX EXT XXXX XXXX XXXX I went from a XXXX XXXX XXXX to a XXXX XXXX XXXX I now have no credit Asking for that information through this agency
Product: Money transfer, virtual currency, or money service

They have lied about sending the check back I called the IRS last week and they said they havent received nothing..
Product: Debt collection

On XX/XX/2017 I receive a collection notice from the Department of Education-National payment center, XXXX. XXXX XXXX, XXXX Ga XXXX ; telephone # XXXX to pay XXXX a month for my student loans, I did not send them a cent. I contacted my school-Mohela which I am sending student loan repayment to. Mohela told me that this is a third party company and for me to contact CFPB and write up an complaint towards Dept of Education ... ..
Product: Debt collection

MJ Altman put a debt of {$5900.00} on my credit report about a medical bill from 2016 that I have no idea about. I want them to remove this from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Here are more supporting details about this situation. I was going over my credit report back on XXXX XXXX and noticed that a company called Santander Consumer USA Inc was reporting on my credit report. I called the company 10 times but no one ever answered so I decided to reach out to XXXX, XXXX, and XXXX. I have sent all 4 companies certified mail return receipts stating that I was a victim of identity theft. I sent all 4 agencies a 6-page notarized identity theft affidavit with an FTC report and a Police report from the XXXX Police department XXXX XXXX California. I have sent them 5 different requests stating that this account has never been opened by me nor did I ever have a contract with Santander Consumer USA inc . I sent the identity theft notification on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and Santander, XXXX, XXXX, and XXXX. I have included more than enough supporting documents to have this account removed. I am including all reports that were received by the credit bureaus and the laws that they violated under section 605B of the fair credit reporting act.
Product: Debt or credit management

I am a current customer of Americor. I received a settlement with a creditor and was going to accept the settlement terms until I called the customer service dept and learned of a 27 % service fee. Which is very deceptive as the app includes no mention of a service fee as seen in the attached screenshot. This also occurred with the first settlement that I received for a creditor named XXXX and recently learned that I paid {$2800.00} settlement fee over the course of a year for a settlement of {$2600.00}. I would like the settlement fee returned to me for the XXXX XXXX creditor as this was very deceptive.
Product: Debt collection

I am filing a complaint against Portfolio Recovery Associates LLC for failing to validate a debt they claim I owe and for continuing to report this unverified debt to credit bureaus. 

Their reference numbers are redacted as below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/23, I formally disputed the alleged debt and requested permissible evidence to validate it, such as original contracts with my signature, fingerprints, or other permissible proof that the debt is owed to them. Copies of statements or bills from an alleged third party are not sufficient evidence. 

Portfolio Recovery Associates LLC failed to provide any original documents or permissible evidence validating I owe this debt. Yet they continue to damage my credit standing by keeping these accounts on my record and reporting them to credit bureaus. 

This is a violation of multiple fair debt practices laws. Despite giving them ample time after my dispute, they have taken no action to validate the debts through legal means or to retract the unverified credit reporting. This false reporting has hurt my credit reputation and caused me humiliation. 

I demand Portfolio Recovery Associates LLC to permanently delete these alleged debts from their records, retract any credit bureau reporting, and cease any further communications regarding these unvalidated accounts. Please assist me in ensuring they comply within 15 days of receiving this complaint, or further legal action will be necessary. 

Thank you for your assistance, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX provides me with my Fico Score based on information that is provided by TransUnion, Under what is affecting my score it states the following : What's hurting Presence of derogatory public record or collection Your credit report shows a derogatory public record ( such as a bankruptcy, foreclosure, civil judgement or tax lien ) or collection which is generally riskier to lenders. Demonstrating a good payment history on existing accounts is a best practice. Note : A satisfied public record or paid collection will remain on your credit report for 7-10 years. 

I don't have any of the above so I contacted TransUnion and received a copy of my credit report, no derogatory public record or collection, i called TransUnion and they confirmed none of the above are on my report, I contacted XXXX and they state I need to call TransUnion, TransUnion says to call XXXX, I even called Fico and they told me that I need to call trans Union, I want to get to the bottom of what is being reported and hurting my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

hello my name is XXXX XXXX, and I recently pulled my credit report and noticed that the following accounts are reporting inaccurately. there are XXXX things thats need to be removed from my credit report : 6 Us dept. of Education accounts, if you look at them everything is reporting differently on all 3 credit bureaus, you, XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. 
I pulled up my report from Transunion and discovered there several had inquires, that I have never authorized. They are result of fraud activity. 
Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 
these are items that must be deleted from my report as a fraudulent items : 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 XXXXXX/XX/XXXX I have included for support my statement : copy of FTC report, SSN card, proof of address, copy of ID.
Product: Debt collection

PLUSFOUR INC is the creditor has been on our credit report for a debt owed of {$860.00}. We have included PLUSFOUR INC. in our Chapter XXXX filing bankruptcy. It is still showing on our credit report as active. It needs to be taken off because it is included in our bankruptcy. The original creditor was XXXX XXXX.
Product: Credit card or prepaid card

I am unable to access my account in any way to either make a payment, check the balance, or check for fraudulent activity. On XX/XX/22, I attempted to log into my account to make my monthly payment, as I do each month. However, the website would not allow me to log in, and has a notification that it is down for maintenance, and to try again. Same result following day and each day since. On XX/XX/22 ( and every day since ), I attempted to contact customer service with the phone number on back of my account, but similar response with a recording that states customer is service is down for maintenance, try again later.