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

I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of XXXX XXXX, specifically debt XXXXwhich falls under XXXX as defined by the XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ) I have incurred debts that are a direct result of this criminal activity.Per the guidance from the Consumer Financial Protection Bureau XXXX CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXXXXXXAccording to Section 605C of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block and remove any adverse information resulting from XXXX XXXX  within four business days upon receipt of sufficient documentation. Furthermore, 12 C.F.R. 1022.142 mandates the immediate removal of such information. I have provided all necessary documentation, including a victim determination letter in accordance with 12 C.F.R. 1022.142 ( b ) ( 6 ). As only two forms of documentation are required by law, I trust that the enclosed materials suffice for this request. I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from XXXX XXXX
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES XXXX, EQUIFAX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE FOLLOWING INQUIRIES : TO MY REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports.

Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge.

I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both.

Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. I am aware that some businesses might request that you also file a report with your local police.

Form SSA-89 was requested by me to the creditor as validation of applying for an account. The form should always be filled out by any creditor releasing credit to a consumer along with providing proof of a wet ink signature. Without that, it isn't valid and should be removed immediately.
Product: Credit reporting

XXXX XXXX is reporting a collection account from XXXX on My XXXX, XXXX, and Experian credit report as an open account. There has been several requests for validation of debt, but none provided from each credit reporting agency. I have no knowledge of said debt. I am also concerned because this information was shared illegally ( third party ) without my informed and expressed consent.
Product: Credit card or prepaid card

Today I call in to make a payment for {$1000.00} with a representative at Capital One. I was not able to access the online website to make a payment or the app because I change my phone to XXXX with XXXX XXXX XXXX prepaid phone and representative stated that are not able to update because they need my drivers license I tried twice with two different representatives to update phone number unsuccessful. I did cancel payment for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for {$260.00} for a total of {$780.00}. All I wanted to do is pay {$1000.00} and have access to online website so I can review and know how much I need to pay to reduce the balance. I also was told that I was receiving COVID-19 extension from previous representatives and my account will be current and will not impact my credit but that was not true and the account is 123 days past due. I request that my bill be mail to me each month so I know how much I owe but no monthly statement is being mail to my home address unacceptable by Capital One.
Product: Mortgage

Requested payoff quote from Selene Finance on XX/XX/XXXX. XX/XX/XXXX, still have not received the payoff quote. Called again and representative was very rude. Finally said request would be expedited and should have within 24 hours. As of today, XX/XX/XXXX, still no payoff quote. Called again and representative was again rude and refused to give a timeframe for when payoff quote will be provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked XXXX, Experian and XXXX  to remove erroneous bankruptcy information from my credit report multiple times. Nothing has been done. There is a chapter XXXX that is being reported with the incorrect middle name because it was filed with the wrong information. I would like for it to be removed.
Product: Debt collection

XXXX XXXX has continuously called me for a debt that does not belong to me. Theyve left me several threatening voicemails saying that if I or my husband did not contact them they have to make a decision on his behalf that could have a negative lifelong effect on him. I have searched the legalities behind debt calls and have found that such tactics are illegal. I have asked them to stop contacting myself, my husband, and my husbands extended family regarding this debt but they have not stopped. I have the voicemails saved to prove these tactics that I am more than willing to supply if needed. I have also sent these voicemails to the XXXX XXXX company we are working with as well so that they have them on file.
Product: Credit reporting or other personal consumer reports

This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities.

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report.

Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. '' Accounts highlighted in green represent inaccurate payment history and must be corrected immediately. Accounts marked in yellow as charge-offs violate FDCPA Section 807 due to false and misleading reporting. These, along with any incorrect personal information, must be deleted immediately from my credit profile
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a truck back in XX/XX/XXXX and leased it to XXXX XXXX for monthly payments also in XX/XX/XXXX. While the truck was leased, I was in charge of making the monthly payments on the truck which I did religiously until XX/XX/XXXX. The truck was involved in an accident on XX/XX/XXXX. After the accident, I reached out to my insurance company and followed due process and filed a claim. The insurance company acknowledged the receipt and creation of the claim and told me they would go on to handle the case with the lien holder ( Wells Fargo ) and pay off the truck. After they assured me of that, I continued to follow up with them and they kept telling me the same thing that they were in contact with the Lien holder and would handle it. I reached out to the lien holder as well and told them what was going on. Sometime in XXXX I received a notice from the lien holder saying the said truck was in their possession and they planned to sell it soon if I didnt make a payment of {$2100.00} for reinstatement. Immediately after I received that notice a repossession claim had already been filed on my credit report and it adversely affected my credit score. When I received the notice saying my car had been repossessed, I was very shocked. I reached out to Wells Fargo to explain what was going on and that the insurance had assured me they were going to take care of the issue, and thats when I learnt from Wells Fargo that the insurance was hesitant to pay off the balance of the truck like they had earlier promised, hence why they repossessed the car. I was surprised, but I went ahead and paid the reinstatement fee and got the car back from them and continued making payments on a truck that was damaged up until XX/XX/XXXX. I reached out to the insurance company and told them every thing that was going on from the repossession to my credit being damaged and they were reluctant to fulfill the claim. I had to get my lawyer involved before they finally decided to pay attention to my case and try to get it resolved. Eventually, they sent an agent to assess the truck and on XX/XX/XXXX, they sent a check to pay for the truck. All this is to say that the repossession on my credit wasnt my fault by any means and was out of my control so I would like it to be taken off. Im attaching evidences and can send more evidence if needed.
Product: Credit reporting or other personal consumer reports

Equifax and XXXX both have failed to respond to disputes timely. I submitted written disputes for collections. These items are inaccurately and incorrectly being reported. I want all errors to be corrected by immediate deletion and discharge.
Product: Debt collection

I received a notice through mail that a debt I supposedly owe from XX/XX/2015, almost three years ago, has now been turned into collection. Prior to this I have not been called or sent anything trying to collect a debt. The law firm is Mitchell D. Bluhm and Associates out of XXXX, Texas. I was not able to get a hold of anyone when I called. The letter sent to me asks for an online payment on a website with my name in it, or to send a payment to them at a different address than is listed as their office.
Product: Credit reporting, credit repair services, or other personal consumer reports

* I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
Product: Debt collection

My name is XXXX XXXX, XXXX XXXX, XXXX XXXX, Transunion is reporting two medical accounts in my credit report, Transunion is violating the new laws that say medical accounts must wait 6 months before they can be placed into the report, both accounts are from XXXX
Product: Mortgage

My Loan was originally held by XXXX XXXX mortgage, and transferred to New Rez. 
During the transfer process there was an overpayment in my real  estate taxes as well as village tax to the town. Starting XX/XX/XXXX I began my inquiry to obtain my refund. I was informed an investigation would take 2 weeks. I have been doing all the steps i was told by the customer service representatives regarding my issue. It has been two months and I have still not received my refund. In addition to not receiving my refund, the error in the overpayment has triggered a deficit in my escrow account causing my monthly payment to increase, and adding more unnecessary funds to my escrow account to satisfy the overpayment error Each time I contact customer service, l am told that i must wait for a call from the tax department to get the status of my refund. It has been over 2 months and i have no refund or call back from lender. Now that Covid-19 pandemic is happening, the mortgage company has been overwhelmed, and Im worried i will not get my money returned or my issues with escrow resolved. My last call was XX/XX/XXXX. I was given the run around regarding my refund and told i have to continue to wait and I must keep paying my mortgage or file for mortgage assistance Please help.
Product: Vehicle loan or lease

I INQUIRED so I thought online with USAA Bank, about a loan to refinance a vehicle I currently have as a lease that the lease is about to end, and I was looking for interest rates. 
When I went to USAA site it took you to series of questions, and never did I know it was an actual credit application since I never put in my SSN There were no disclaimers that this was a actual " credit application ''. 
I was not looking to apply for a loan since my lease isn't up yet, just looking at options on financing. 
I was quickly denied in seconds despite ... 
My recent credit score was XXXX, I am in the end process of refinancing my home loan at a VA lender for a 2.25 % interest rate, Never missed a payment on USAA or any other credit I have which is, 1 other credit card, and a new XXXX loan. 
USAA is deceptive, and I want a letter that this was not a credit inquiry, they claim to serve military, but my opinion is they play off of it for their own benefit! 
The people I spoke to never offered resolution, I pride myself on good credit and have served XXXX years in the military
Product: Debt collection

I am in receipt of LVNV 's response to my dispute and validation request dated XX/XX/2024 for the debt listed on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ) Section 609. 

ITEM AS SHOWN ON MY REPORT : Account Number XXXX XXXX asked for specific details to substantiate and validate my alleged ownership of this debt. 

The documentation provided does not satisfy my request. LVNV did not provide any proof of ownership, such as the original contract with the original creditor showing my signature, nor verification of your authority to collect this debt in my state. 

I would like to draw your attention to the Fair Credit Reporting Act ( FCRA ), specifically Section 611, which stipulates that all information reported to credit bureaus must be accurate, verifiable, and complete. Additionally, the FCRA mandates that consumers have the right to dispute any inaccurate information on their credit reports and expect it to be promptly investigated and corrected or removed. 

LVNV has failed to provide verifiable proof of my obligation to their agency as well as evidence that the reported information is accurate and complies with the FCRA. 

Furthermore, I would like to assert that I have no contractual agreement or relationship with this agency, and therefore, there is no legal basis for the debt they claim I owe. As such, I request that they cease all attempts to collect on this alleged debt and remove it from my credit reports immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have opted for credit plus by XXXX XXXXr and they told me that they make my credit report good and but they are not doing so. 
One negative account is showing they ask me to pay I made payment to them they also not resolving them when I asked credit plus then they donot respond
Product: Debt collection

In XX/XX/XXXX I had a capital one credit card. I fell behind in payments because I lost my job. When tax time came I called capital one and asked for a pay for delete because they had been reporting on my credit report ... I was agreed and I made the payment. I paid the complete payment and to this day the acct is reporting as closed and paid but its still reporting as a collection on my credit report as of XXXX
Product: Mortgage

My husband and I applied for a Short Sale of our home XXXX several months ago because my husband received a job transfer XXXX with the same company he has been with for 13 years. Our home appraised for {$180000.00}, we owe approximately {$230000.00} on the mortgage. We received initial approval from our mortgage company, Bank of America to sell the home and we have a buyer ( offer was submitted to BoA on XXXX XXXX, 2016 ). We have a real estate agent and a real estate attorney working on the short sale with us. After some back and forth with BoA to negotiate closing costs, the real estate agents commission, etc we received a final approval of the short sale on XXXX XXXX, 2016. Upon reading through the documents sent by BOA, we noticed that a condition if closing on the short sale was that we are REQUIRED to be XXXX or more days delinquent on our mortgage, which we are Not. Our XXXX agent stated that the HUD/ FHFA issued new guidelines within the past few years stating that if you meet the defined hardships you do nit need to be delinquent on the mortgage. We meet the requirement for a job transfer more than XXXX miles away. ( This was already accepted by BoA. ) We have attempted to speak with multiple BoA representatives explaining the HUD guidelines in full, we either receive no call back or have been told they can not change the requirements. We have requested review of our case, Bank of America it would appear, refuses to adhere to the federal guidelines, instead continuing to tell us that we must be 30 days delinquent. Our short sale approval from BoA expires XXXX XXXX, 2016, we Must relocate asap. We also mist move XXXX by the end of XXXX. 
Please consider helping us in this matter, we have good credit and have worked very hard to maintain our mortgage.
Product: Payday loan, title loan, or personal loan

Every month when I try to log in to the Service Finance Company LLC website, the website doesnt recognize my username and password. I wrote down both when I set up my account, so I am sure that they are correct. I also regularly engage in online banking and transactions and understand how to use the Internet. The mobile app for XXXX is equally bad. This website consistently rejects my valid username and password. As a result, my payments have been recorded late on multiple occasions. To avoid this issue, I tried to set up auto pay, but you can not set up auto pay if your account is late. The website and rules are set up in a very anti-consumer fashion, making it confusing and difficult to make payments. Please update this website and app to make payments more user friendly and feasible.
Product: Debt collection

This complaint is specifically for RCS, this is a " collection '' agency for XXXX XXXX and XXXX XXXX is the " current creditor ''. However, only XXXX XXXX appears on my Credit Report under collections. There are 4 companies I owe debt to, RCS and XXXX XXXX are none of the 4. 
On XX/XX/XXXX {$57.00} was debited from my account by RCS, XX/XX/XXXX another {$57.00} was debited, and XX/XX/XXXX {$57.00} plus another {$6.00} was debited from my account all from this same company " RCS ''. I had spoken to this company in early XXXX ( XXXX is handling my account ) about ceasing all future payments since I am off of work because of the COVID-19 outbreak, I am still laid off currently and am surviving off of savings. 

I called RCS today XX/XX/XXXX, because I noticed additional charges had been taken out of my account. I wasn't upset, and never had any intentions on asking for a refund. But XXXX was extremely defensive, had a condescending tone with me, and refused to hear anything I wanted to say, and then hung up on me. When I called back 4 or 5 times I was left on hold by an automated system, and then the call would drop. I finally got thru to XXXX 's co-worker whom found it satisfying to tell me he was not only the supervisor but owner of the company, told me he leads the call and I have to listen to whatever he has to say, not the other way around, told me he would remove my information from their accounts and hung up on me.
Product: Credit card or prepaid card

I received an offer in the mail from HSBC  XXXX   XXXX  for balance transfers at 0 % interest for 12 months with {$0.00} transfer fee. I used  XXXX  of the checks to pay another credit card in  XXXX . On  XXXX   XXXX , transfer was processed by HSBC, transaction reversed on  XXXX   XXXX . I received no notification ( mail or e-mail ). When I called to inquire where the balance transfer was in the process, they directed me to security to answer some questions, this was supposed to release the balance transfer but did not. For four months and many calls they were unable to process the balance transfer without a fee, finally a manager processed the transfer and refunded the fee in  XXXX   XXXX . But now HSBC failed to honor the 12 months at 0 % and would only provide the offered rate until  XXXX   XXXX . After repeated calls in  XXXX ,  XXXX  and  XXXX  they were unable to extend to honor the 12 month offer.   The end result is I was offered 12 months at 0 % with {$0.00} transfer fee, after a tremendous amount of effort on my part, they provided 8 months. Institutional incompetence is no excuse for false advertising and fraudulent behavior.
Product: Debt collection

I received an attempt to receive and un-validated and un-verified debt from Orion Portfolio Services. 

Please review my attached documentation.
Product: Debt collection

Alleged Violation of 15 USC 1692g - Validation of Debt I am asserting that a debt collection attempt made by Consumer Adjustment Company , Inc breaches my rights under the Fair Debt Collection Practices Act ( FDCPA ), particularly under 15 USC 1692g, which mandates the validation of debt.

**Lack of Opportunity to Dispute Debt** Despite being approached by Consumer Adjustment Company , Inc. , regarding an alleged debt, I lacked prior knowledge of its existence and was not afforded the opportunity to contest it.

**Request for Certified Mail Receipt** Per 15 USC 1692g , debt collectors are obligated to furnish consumers with a written notice within five days of initial contact, outlining debt details and dispute rights. However, no such communication was received. I demand Consumer Adjustment Company , Inc., furnish the certified mail receipt, corroborated by my signature, confirming compliance with statutory notification requirements.

**Unlawful Debt Collection Practices in New Jersey** It has come to my attention that Consumer Adjustment Company , Inc. , lacks authorization to pursue debt collections in New Jersey , my state of residence. Consequently, any pursuit of this alleged debt contravenes state regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I realized I was a victim of identity theft when I received notification on my credit report that HSBC pulled my personal credit in XX/XX/2018. Then it began reporting a 'new ' credit card with HSBC XXXX I did not contact HSBC to open up this account. While doing research and calling HSBC I found out that the perpetrator not only called to apply for this card with my personal information but that he also went to the post office and changed my address to his personal address in order to receive my mail at his residence. I don't know this perpetrator is, and have placed a fraud alert on my credit reports. I also went to my local police department and I filed a id theft police report.