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

Affirm Advertise sign up no credit check..

I find Affirm to be very Deceptive, when I first started with Affirm it advertised it would have no impact on my credit, yesterday I received a notification from XXXX XXXX Notifying me my Credit Score Decreased by XXXX points from Signing up With Affirm, I was never late on any of my payments and I always paid before the due dates, customer service barely speaks XXXX I requested a supervisor who is very Dismissive and Defensive, Im now going to have to file a dispute with XXXX XXXX XXXX XXXX and banking regulators very disappointed
Product: Mortgage

We have received unsatisfactory service from XXXX XXXX ( PHH ). They have provided improper billing statements ; failed to comply with certain RESPA regulations ; failed to provide information about ownership of loan ; failed to apply proper accounting rules ; failed to properly apply payments ; failed to comply with " standard servicer duty '' pursuant to Regulation X ; failed to comply with Attorney General ( New Jersey ) Consent Order regarding Nationwide Servicing Standards.r
Product: Debt collection

my credit has been used in a identity and fraud case that is currently being handled by XXXX XXXX i have asked and demanded that this info be verified and removed and still no resolution
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX  CASH XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have been challenging these false and erroneous accounts ; I am asking a deletion of this account from XXXX XXXX  XXXX. I am also including an FTC from my earlier conflict here in this one.
Product: Debt collection

Checked my credit report and noticed these negative items with Diversified consultants with no knowledge as to who this company is, this account is labeled closed an has no vlalidity.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnished accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. these failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

My inner was sold and brought illegally I was a victim of the XXXX XXXX XXXX I want these items deleted from my credit reports effective immediately I am attaching proof that the XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing please help me delete these illegal accounts from my credit reports
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to bring to your attention a matter of concern regarding the negative impact on my credit standing. This issue arose as a result of following the advice of a debt consolidation company, specifically the representatives of the Law offices of XXXX XXXX XXXX and associates. 

Upon seeking assistance from the debt consolidation company, I was advised not to make monthly credit card payments with the intention of allowing these accounts to close. The subsequent closure of these accounts has resulted in a significant decline in my credit scores. Furthermore, reputable financial institutions such as XXXX now have records of me being 90 days or more past due, despite my prior good standing. 

I would like to emphasize that prior to following the advice of the debt consolidation company, my credit accounts were in good standing, and I had a responsible track record of timely payments. The impact of this advice on my credit standing has been distressing and has caused significant inconvenience and concern. 

I have documentation and correspondence from the debt consolidation company, including details of the advice provided and the intended resolution through settlement with lower numbers on these accounts. I believe that this evidence supports my case and underscores the impact of the advice I received. 

I kindly request that you investigate this matter and make the necessary corrections to my credit report. I am committed to resolving this issue and restoring my credit standing to its previous favorable status. 

Thank you for your attention to this matter. I am available to provide any additional information or documentation as required. 

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

There are XXXX inquiries on my credit file that are not my own. Most of them were done within the last XXXX  years. 

There are XXXX addresses on my credit file that are not mine. I sent them my correct address and driver license and a bill to verify this, and they still would not correct this.
Product: Credit reporting or other personal consumer reports

I received a stall letter regarding the investigation of my previous dispute, I submitted a dispute XXXX to challenge information on my credit report. According to the Fair Credit Reporting Act ( FCRA ) -15 U.S. 
Code 1681i ( a6 ) & 15 U.S. Code 1681i ( a7 ), you're supposed to investigate and respond promptly with in 30 days. But all I got was a generic stall letter with no real updates or progress. Under federal law ( 15 U.S. Code 1681i ), you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. i sent letters Certified so they can not denied that they have not received them. 
Tracking number USPS : XXXX  and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I stored my personal items at a friend 's house because I was homeless for a few months prior to relocating to college in XXXX, FL. I went to XXXX  XXXX XXXX on XX/XX/XXXX in XXXX, FL to be added to my aunt 's checking account as an authorized user and was told there was an account on my XXXX report from Bank of America that was reporting fraudulent activity at an address I have never lived at ( XXXX XXXX, XXXX, GA ). I filed a police report in XXXX, FL, where I currently reside, because I suspect the tenant, XXXX XXXX of XXXX, GA, stole my identity, then used my information to open an account without my permission. The account was opened in XX/XX/XXXX, according to XXXX report. I attached my XXXX with my Georgia address, the only address I've ever lived. 
Bank of America Replied stating they would not remove the account and expected payment because an individual walked into the bank on XX/XX/XXXX and opened an account with my ID. 
My ID and SSN card was stolen, as I stated above, and even after I provided XXXX XXXX with the identity theft criminal report case number from XXXX Police ( XXXX  PD Criminal Report # : XXXX ) upon request, the account still has not been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like all of my unauthorized inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report.
Product: Mortgage

My credit report is showing I owe XXXX plus and it should be XXXX. Also being charged back end fees after I went through the COVID forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2021 ), I wrote a letter informing the bureaus of inaccurate information on my credit report. Now to date over 30 days later I still have not heard back from them and feel like I am being taken advantage of. It clearly states in Section 611 ( a ) that after 30 days any items on my report not verified must be removed indefinitely. They have failed to do so. I demand that these items are removed immediately, if this matter is not handled I will be forced to push this matter into litigation due to the trouble I am having with this situation. My information was also impacted by the XXXX data breach a while back so my information could be in the wrong persons hands.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I looked at my report. I sent a letter to Transunion on XX/XX/XXXX asking them to re-investigate these accounts ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX. ) I have included the pictures of the tracking below. They sent me a letter saying the accounts were accurate. 
After looking at my report yet once again, nothing has changed. According to 15 USC 1681i 5 they are suppose to do this ( 5 ) treatment of inaccurate or unverified information. ( A ) in general If, after any re-investigation under paragraph ( 1 ) of any imformation disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall remove those items.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had these investigated numerous times buy all the bureaus. I have had this account on my record for over XXXX years. XXXX has removed because of the FCRA. Rightfully so obey the LAW. the following should do the same Experian XXXX and XXXX asap!
Product: Debt collection

Hello on XXXX XXXX i woke up to check my credit account and i saw a new collection account was added to my account. Upon further review this indeed was a collection account that was once removed from my credit report was added on again by the same collector without prior notice. After looking at past and present credit reports it has come to my attention that you have allowed this item to be reinserted into my credit file after it had been deleted. Based on the credit report dates the period during which this reinsertion took place was XXXX/XXXX/17. 

Pursuant to the FCRA, I 'd like to be provided with copies of the certification required for reinsertion for this account. 

Under the FCRA Section 611 ( a ) ( 5 ) ( ( ii ) ".... reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
XXXX Additional information. As part of, or in addition to, the notice under clause XXXX a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion XXXX a statement that the disputed information has been reinserted ; XXXX XXXX XXXX the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ;.... '' I was not so notified. I am disputing this item. I will allow you 15 days to furnish this information, however if you do not provide the information requested, you must delete this account as required by the FCRA. Please send me a copy of my updated credit report after you have completed this request. 

Thank you for your time and effort.
Product: Credit reporting

On XXXX XXXX 2015, I mailed Transunion and the XXXX other bureaus my request for an investigation into several erroneous accounts being reported by creditors and collection companies alike ( see attached dispute letter sent to Transunion ). The majority of these accounts were called upon by me and the creditors were not able to verify the ssn and my date of birth. Almost all accounts were subsequently removed by XXXX and XXXX. However, I received a bewildering response from Transunion dated XXXX that all accounts had been verified ( see attached dispute results ). When I called Transunion, I was told that all items were legitimately verified, however when I asked for the contact information of the individuals they contacted, Transunion was unable to give me any such information. Transunion it seems has not conducted any comprehensive information.
Product: Credit reporting or other personal consumer reports

I am writing to dispute account on my credit report that were made without my consent. According to section 604 of the Fair Credit R eporting to section act ( 15 U.S.C 168 1B ), there are specific permissible purposes for obtaining a credit report. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my repor. account : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is my 23rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Vehicle loan or lease

Between XXXX XXXX, Chrysler Capital and XXXX {$2500.00} was written up and added unknowingly to my loan and {$6500.00} down payment for 10 % changed after signing papers by XXXX XXXX finance manager and have fought for years and the money was to go back to Chrysler capital in XXXX and as of today never did. I received extensions in XXXX and recalled in two weeks by letter and had 5 days to pay {$810.00}. Got an extension in XXXX and I filed a complaint with the AG office and Chrysler which the insurance money never sent back by XXXX XXXX Chrysler stated and now they want to give me what's left. 
XXXX of XXXX XXXX from Chrysler Executive office called and told me to continue my monthly payments. This was after the extension. XXXX of XXXX I get a Cease and Assit and repossession letter. XXXX XXXX told me to handwrite a letter telling them they could call me since someone wrote I said do not call me. It was removed. I have made every payment from XXXX last year before talking with XXXX to XXXXSomeone tried to break in the car called police and called XXXX and told I would make payment on the XXXX on the XXXX they stole my car and sent me a bill for {$2300.00} and until the XXXX or will sell my car. I have talked with Miss XXXX, Miss XXXX who on the XXXX did not call me back also on Wednesday as promised and on Thursday XXXX XXXX told me to send in all payments from XXXX of XXXX until XXXX since it stated I missed XXXX, XXXX and XXXX and I sent the email to him and today I called he's away from his desk, XXXX said she or he would call me back. No one has called me and it's XXXX XXXX and Monday is the last day before they sale my car. They know I have proof that they took my car wrongfully because the system sent out a cease and assist letter as XXXX stated that it does sometimes if there is verbish on the line it can go out automatically.They are refusing to call me so they want have to correct what they have done and sale my car. This is the 2nd time their system has caused me problems. All I owe them is for XXXX {$400.00} since XXXX and I agreed in XXXX of XXXX to make my payments.I have done that 17 payments and they want call back they want to sale my car to keep from admitting the system did this. Please help, I need my car.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed
Product: Mortgage

I purchased a new house on XXXX XXXX, 2016.
The minimum payment is {$1200.00}. This amount does not include escrow, which I cancelled three months ago for reasons I will explain below. Every time I make a payment I add an extra amount ( normally {$3000.00} ) toward the principal. The Ditech website has a specific space where I can type the extra amount ; it is called " Additional Payment ''. However, very month, Ditech redirects the additional payment toward future interest and escrow ( which, as I pointed out, I cancelled because of this ), and gives me permission to skip the next two monthly mortgage payments, and pay interest and escrow two months in advance. I have told Ditech to stop doing this, but the problem persists. All this is causing me a lot of confusion and prevents me for seeing a clear picture of the amortization table. I need two things done : 1. I request that Ditech stops redirecting additional payments toward future interest.
2. I do not want the escrow reinstated.
Product: Debt collection

I'm not liable for this debt with XXXX XXXX XXXX, and i do not have a sign contract with collection agency trying to collect, reporting on my credit file, they did not provide me with the original contract that was requested showing the bill of sale and payment history,
Product: Credit reporting, credit repair services, or other personal consumer reports

I dispute Nelnet Loan Services account for payment history. The payment history is incorrect for Nelnet Loan Services account. I am requesting that Nelnet Loan Services account is deleted on my credit report and credit file.
Product: Mortgage

At the beginning of XXXX, I received the 1098 for the mortgage on my single family home from mortgage servicing company, Mr. Cooper. Box 9 incorrectly indicated that there were XXXX properties securing the loan, and I raised this error to the company to resolve. They incorrectly informed me that my single family home was a duplex ( even though their own website lists it as a single family home ) and that they would not correct the form. I requested that it be escalated for research and correction, and today ( XX/XX/XXXX ) was informed that the results of the research was that my single family home was a duplex and that they would not correct the form. 

I am very disappointed that the company is filing false tax documents and refusing to correct their errors.
Product: Checking or savings account

Chase Bank owes us {$14000.00}. 

We were unaware that, between XX/XX/XXXX and XX/XX/XXXX, a total of {$22000.00} was pulled out of our Chase Business account ALL by XXXX XXXX XXXX ( XXXX ) with the reference name of XXXX XXXX XXXX. We have never communicated with this person and have never communicated with XXXX. 

As our bookkeeper was helping us with XXXX in order to prepare for submitting our annual taxes, he notified us on XX/XX/XXXX, that he didnt recognize XXXX as one of our typical payees. We immediately reached out to our local Chase Bank by calling and emailing with XXXX XXXX ( XXXX, XXXX ) on XX/XX/XXXX, to question the charges. 

My wife and I then called Chase Bank and spoke with a representative named XXXX. ( This call was recorded. ) XXXX advised us not to freeze our account. He also said part of the banks responsibility, is to make sure [ the ] account is protected and, he said, You guys are gon na receive all the money back. We were given a claim number as reference. 

After learning by voicemail that our claim representative at Chase had changed over two times, we were told we were required to submit a Chase Disputed Transactions Questionnaire on XX/XX/XXXX, so we went to a local branch and filled it out. 

On XX/XX/XXXX XXXX reversed {$7800.00} of the fraudulent withdrawals but after we asked what happened to the remaining {$14000.00} we were told Chases XXXX policy prohibited the bank from fully reversing all the fraudulent withdrawals. We repeatedly requested a copy of Chase Banks Contingency Reimbursement Model ( XXXX ) but were told that it was not something that was shared with clients. I repeatedly called Chase, often recording the calls, requesting the XXXX and asking for proof we were given documentation that shows the banks policy regarding reimbursements. 

On XX/XX/XXXX, we again reached out to XXXX XXXX requesting a direct line to Chases fraud department. 

On XX/XX/XXXX, we received a call from XXXX at Chase Bank Customer Service ( which we recorded ). He promised to assist us with further research, though he stated he could not provide us with an email address for communications. 

On XX/XX/XXXX, we filed a report with the XXXX XXXX XXXX XXXX. They were able to confirm that XXXX did pull money out of our Chase account, but XXXX is stating they can not confirm the person who actually used our account was not XXXX XXXX XXXX and, therefore, they can not be held responsible. [ For the record, if you search the name XXXX XXXX XXXX online youll see he has a criminal record in Florida. ] Supposedly the car dealership XXXX worked with has since closed so there are no videos available to confirm the borrowers identity. 

Regardless, it is quite obvious that Chase Bank provided the means for a criminal to withdraw funds from our account repeatedly without our knowledge nor consent. And, as Chase is at fault for allowing unauthorized XXXX withdrawals from our account, it is the banks responsibility to reimburse us the remaining {$14000.00}.
Product: Credit card or prepaid card

On our XX/XX/XXXXstatement ( attached ), we had a credit balance of {$4300.00} related to the issues caused by CFPB Complaint ID XXXX. My wife and joint account holder called Citi Customer Service twice to have this credit balance returned to us as it is significantly higher than our monthly spend. On the first call, Customer Service told my wife they would look into the issue but would not execute a refund and required more information. My wife prepared the information and called Customer Service again. They had no records of the 1st call and would not execute the refund. We ask that Citi return our credit balance as soon as possible.