23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I made XXXX payments of {$190.00} for a Cash Store debt settlement from XXXX/XXXX/15 - XXXX/XXXX/15 and I received a call yesterday from another collection agency that this debt was not paid
Product: Credit reporting, credit repair services, or other personal consumer reports

There were several unauthorized inquires on my Transunion credit report which I did not authorize or give the contest to. Therefore, I would like these fraudulent inquires to be removed immediately. It is causing harm to my overall credit profile. The following inquiries need to be removed : 1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/year> To : XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX Toyota Motor Credit Corporation XXXX XXXX XXXX XXXX XXXX TX XXXX Subject : Revocation of Power of Attorney and Dispute of Contract Terms Dear Toyota or To Whom It May Concern I am writing to formally revoke and dispute the inclusion of any Power of Attorney ( POA ) within my retail installment sales contract dated XX/XX/year>, for the purchase of the XXXX XXXXXXXX XXXX ( XXXX : XXXX ). Upon reviewing the contract, I discovered the existence of a POA clause or implied authorization, which I did not knowingly agree to or consent to at the time of signing. 
Revocation of Power of Attorney Please consider this letter as my official revocation of any POA you may believe has been granted. I assert that : I did not receive adequate disclosure of the POAs existence or scope. 
I did not provide informed consent for granting such authority.

The inclusion of the POA constitutes a misrepresentation of the contract terms. 
Effective immediately, I revoke any authority granted to XXXX XXXX XXXX, Toyota Motor Credit Corporation, or any related entity to act on my behalf. Any attempts to utilize this POA after receipt of this letter will be considered fraudulent and actionable under applicable laws. 
Request for Contract Correction I am disputing the validity of this clause and requesting the following : Immediate removal of any POA provision from my contract.

Confirmation in writing that no POA exists or will be used moving forward. 
A full review of the contract for any additional undisclosed or unauthorized clauses. 
Next Steps Please confirm receipt of this letter within 14 days and provide a written response detailing the actions taken to resolve this matter. Failure to address this issue may leave me no choice but to escalate the matter further, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the California Attorney Generals office, and pursuing legal action. 
I trust you will address this matter promptly and ensure my rights as a consumer are protected. Please direct all correspondence to my address listed above or via email at XXXX. 
Thank you for your immediate attention. 
Sincerely, XXXX XXXX XXXX XXXX. : XXXX lawsuit information on the matter in litigation as XX/XX/year>
Product: Credit reporting or other personal consumer reports

I have a total of 6 student loans. The loans were originally under Nelnet Servicer but in XX/XX/XXXX all were transferred to XXXX XXXX. 
According to XXXX Credit Bureau they are reporting 12 student loans in my credit report. Instead of showing the actual 6 loans under XXXX. Its showing that I have 6 under XXXX and 6 under Nelnet which is INCORRECT. 
I spoke several times to the credit department at Nelnet and they said that they transferred all 6 student loans to XXXX and XXXX should have continued those 6 loans but instead OPENED 6 new credit lines and this is what has caused the error on my credit report. Nelnet said only XXXX can rectify this issue because it was their error. 
I have been going back and forth with XXXX provided all documents needed and they still failed to resolve the issue. I first reported the issue beginning XX/XX/XXXX a supervisor at their credit department told me it would be fixed in 2 weeks. Its been almost 2 months and absolutely nothing has happened. Due to this error my credit report is showing my student loan debt to be doubled the amount of what it actually is, its showing {$82000.00} in student loan debt which is completely FALSE. 
This is greatly impacting me in my finances. Please help.
Product: Debt collection

THIS COMPANY ( XXXX XXXX ) HAS CALLED REPEATLY TRYING TO COLLECT A DEBT THAT IS NOT MINE, AND I AM NOT THE PERSON THEY ARE MAKING THESE CALLS ABOUT, WE DO HAVE THE SAME LAST NAME. I HAVE ASKED REPEATLY FOR THEM TO STOP, HE IS NOW CLAIMING H IS A CRIMINAL INVESTIGATOR, THIS IS VERY SCARY FOR ME A SENIOR CITIZEN TO DEAL WITH, PLEASE HAVE THESE CALLS STOPPED THEY HAVE BEEN CALLIN EARLY IN THE MORNING, JUST AFTER XXXX THEY ARE REFERANCING THE FOLLOWING ACCOUNT NUMBERS : THIS IS NOT MY ACCOUNT ... 

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

I have not authorized  Ally Financial to make any inquiry into my credit report. At the times of the inquiries, I had a fraud alert on my report that ask for any company seeking access to my credit file to contact me personally. I called Ally Financial o n  XXXX  after reviewing my credit report from   XXXX   and was informed that they will not remove the inquiries. When explaining the issue to them, they refused. They are in violation.   XXXX   has informed that they will remove the inquiries if the company approves.     I would like for them to remove all inquiries that they have done into my Credit file and follow the law correctly.      XXXX / XXXX /  XXXX    XXXX / XXXX /  XXXX    XXXX / XXXX /  XXXX    XXXX / XXXX /  XXXX
Product: Mortgage

As part of my loan application, I paid an appraisal fee to my bank, Wells Fargo to perform an appraisal. I counted on this to establish the value of the house, and make sure the seller was reporting this properly. No appraisal was done by the bank. I was not provided with an appraisal or statement of valuation. I was concerned about this. Before closing, I told Wells Fargo that I did not want to close because I had no appraisal. They informed me that if I did not close, I would be sued by the seller. I was never informed of my rights not to close because I never received an appraisal. I asked a lawyer, who also said I would be sued. I was not aware of my rights when I closed. Wells Fargo provided me with an appraisal waiver notice to sign at closing today, but never at any time did I waive my right to review an appraisal and I paid appraisal fees up front to the bank that an appraisal would be performed and provided. They did refund my appraisal fee as a credit during closing, but this was the only notice I received that an appraisal would not be done or available. I feel as though I have been badgered into closing for fear of being sued. The bank did not inform me of my rights. They did not provide an appraisal or statement of property valuation.
Product: Credit reporting or other personal consumer reports

I was disputing a fraudulent account that wasnt mine with Trans Union and they advised me that it would be 30 days until it would be resolved. My credit score was XXXX before they attempted to fix the issue ; more than 30 days I contacted them to check the status and found that my score is now XXXX, there is no score and nothing showing as credit history. It seems they wiped everything from my report and I requested a manager and she admitted that it was an error on their end and was very rude and insulted me verbally and I had a hard time understanding him and I had to hang up the call because I was getting no where with it. My life is now hold because I can not acquire any type of credit or anything that needs credit checks in order to live.
Product: Debt collection

called to pay my heat bill and was demanded balance in full, after i asked for a payment arrangement i was told that each payment fee was {$11.00} so i asked to mail in payments even offered to send 3 postdated checks for duration of payment arrangement and i was told that if i sent in payments via check that they would report negatively on my credit, like whats the difference? i called back 3 times and one rep was more rude than the last. i asked for a supervisor three time and was transferred to the same voicemail. i am so upset that i want to pay my bill and cant
Product: Credit reporting or other personal consumer reports

I am writing in response to your letter regarding my dispute over the inaccurate late payment reporting on my credit reports for the account referenced below. 
Creditor Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Disputed Late Payment Information : 1. TransUnion : Reported late payment for XX/XX/XXXX and XX/XX/XXXX. Which is innacurate! These payments were on time! 
XXXX. XXXX and XXXX : Reported no late payments. 
Basis for Dispute : This account was in fact Paid on XXXX during the disputed periods. I am requesting an immediate correction to the inaccurate 30-day late payment entries to reflect the accurate status of Paid on Time.
Product: Debt collection

I am have a legal right to OPT OUT and I am now Opting Out off all reporting by these companies to my consumer report rule of law 6802.
Product: Credit card

To Whom It May Concern, I was charged {$67.00} of interest by Chase credit card services from XXXX despite clearly being informed by XXXX in XXXX on XXXX/XXXXXX/XX/2015 XXXX I had until XXXX/XXXXXX/XX/2015 to pay my account in full ( which I did ) to avoid any accrual of interest. Upon requesting that my interest fees be waived due to this apparent misinformation on XXXX/XXXX/XX/XX/2015, XXXX senior service representatives, XXXX and XXXX, were extremely inconsiderate and would not honor the assurances previously made by XXXX ; furthermore, they saw no relevance to my plea for a review of the recording of that call and resisted arranging it. As a result, I have cancelled my account with Chase and demand the reversal of these charges given the extenuating circumstances. Thank you so much in advance for your time and assistance in this sensitive matter.
Product: Mortgage

I am writing to complain about my mortgage company. In XXXX we became delinquent owner mortgage.I contacted PHH to find out what they could do to help me. They offered a trial modification loan.The first payment was made without problems ; the second payment was returned by the bank. I contacted PHH but they would not allow me to make another payment. I was told to reapply for trial modification loan but that was denied because only one modification is allowed in 12 months and 12 months payment have to be made on time. How can I make 12 months payment went PHH won't allow me to make even one payment the reason for our delinquency with medical bills. My XXXX card was hacked three times since XXXX. In XXXX my husband 's identity was stolen. It is taken weeks to change banking information, automatic payments etc. I called PHH to try to resolve the problem but was told repeatedly I would have to face foreclosure or I could short sale or deed in lieu. I wrote a letter to PHH requesting to appeal the letter for denial of loan modification. When I called PHH they said I should short sale, deed in lieu or allow foreclosure. This was the only answer they would give me. I spoke to the refinance department but they can not do a cash out refinance mortgage until I make 12 monthly 12 months one time payment which I can't do because they won't allow one.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 : Sent letter disputing accounts under the FCRA section 609 ( a ) ( 1 ) ( A ) required to verify. They never verified and accounts  remained. 

XX/XX/2020 : Sent letter asking for Permissible Purpose of inquiries ( FCRA ) U.S. Code 15 Code 168.1b and under U.S 15 Code 168.1i paragragh 5. Still remain XX/XX/2020 : Sent letter informing them of address with proof. Still reports wrong address XX/XX/2020 : Sent letter asking to verify bankruptcy under section 1681 ( c ) and section 1618 ( a ) ( 5 ) of FCRA. They responded they will not re-investigate when they  are required by law to do so. Still no verification was sent.
Product: Mortgage

My wife XXXX and I started looking to purchase a home in XXXX  in the XXXX XXXX area and found a lender and realtor through XXXX. We were quickly pre-qualified and looking at homes. We soon found a home that we liked and went under contract with DR. Horton to purchase a home in XXXX XXXX in a community called XXXX XXXX DR Horton was going to pay XXXX towards closing costs if we used their Lender, DHI Mortgage and set us up with their Agent XXXX XXXX. XXXX XXXX quickly reached out and without asking us anything related to our specific situation or circumstances, informed us that we could not be approved due to my wifes XXXX XXXX  which was XXXX XXXX  beyond the XXXX XXXX  guideline set forth by XXXX 

I was not super pleased with this response from DHI and asked that our case be escalated to a managing supervisor. after speaking with XXXX XXXX, he told me that our case was looked at by an underwriter and that their was nothing they could do. it was at this time that a HUD ( Housing and urban development ) agent sent me via email the guidelines for employment gaps and we discovered that XXXX was an allowable explanation for taking an extended leave from work, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I shared this newly found information with DHI with no change in response, we felt that this familial situation was a good enough explanation and fell within the limits of the guidelines set forth by the XXXX XXXX XXXX 

At this point, I am questioning whether the denial to service our loan falls under the category of discrimination under the protected class of " Familial situations '' and would love any guidance on the matter as DHI is no longer willing to work with us and denied our file solely based on my wifes XXXX XXXX XXXX XXXX' where she was caring for XXXX XXXX XXXX XXXX XXXX 

Any help on the matter would be appreciated, Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : JXXXX XXXX XXXXXXXX Date Opened : XX/XX/ Balance : {$7000.00}
Product: Credit reporting or other personal consumer reports

" List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
-List all accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I looked at my Experian credit report on XXXX XX/XX/year> XXXX and noticed some things are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 usc 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of Inaccurate or unverifiable information.

( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate of incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the result of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Hello, I had to choose incorrect previous options because there was no option that fit my situation. I had a student loan through the University of XXXX, XXXX that is currently being serviced by Conduent Education. If you see the attached picture, their website is down as of today, XX/XX/XXXX. It has also been down frequently over the past month. I'm attempting to pay my loan which garners interest daily, however am unable to even get to their website. I do not have a contact number for their company or current paper statements, as I was urged by the company directly to go paperless for my statements. Since their website is down, I can't get into contact with the company at all, unless I use a third party, privately owned, social media platform, and hope they can fix my problem instantly. However, most people in America are not on XXXX. Or, I could alternatively gamble on a random number I find online, and hope that providing my private account information to a potentially fake company wouldn't happen. Every day I can not pay my current balance, I garner additional, daily interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX-Date of Inquiry XX/XX/2020 XXXX-Date of Inquiry XX/XX/2020
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and request the immediate deletion and blocking of certain accounts and inquiries from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). As a result of this breach, the following accounts and inquiries were affected, and I am requesting that they be blocked and permanently deleted from my credit file. 
Accounts to be blocked and deleted : XXXX XXXX XXXXXXXXXXXX XXXX XXXXccount Number : XXXX Open Date : XX/XX/XXXX Balance : {$8400.00} XXXX. XXXX XXXX Account XXXX : XXXX Open Date : XX/XX/XXXX Balance : {$770.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$300.00} XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$320.00} XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$460.00} XXXX. XXXX Account XXXX : XXXX Open Date : XX/XX/XXXX Balance : {$370.00} XXXX. XXXX XXXX Account XXXX : XXXX Open Date : XX/XX/XXXX Balance : {$4800.00} XXXX. XXXX XXXX Account XXXX : XXXX Open Date : XX/XX/XXXX Balance : {$2600.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$8600.00} Inquiries to be blocked and deleted : XXXX. XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  C XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please also refer to complaint XXXX for previous information. 

I have sent requests to XXXX on XXXX, XX/XX/2019 and XX/XX/2019 and XX/XX/2019, asking they provide a WRITTEN and SIGNED contract between me, XXXX XXXX, and XXXX regarding this debt. In your response, CFPB wasnt able to forward it to the company for a response because the company is not in your complaint system. 

XXXX has sold this debt to Convergent Outsourcing, Inc. ( see attachment ) I have sent a letter to XXXX XXXX XXXX XXXX requesting they provide a WRITTEN and SIGNED contract between me, XXXX XXXX, and XXXX XXXX XXXX XXXX stating repayment terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize nor benefit from the following account. 
Block and remove it. 
XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several items reporting inaccurately on my credit file : Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX The following accounts are showing Inaccurate Late reportings : XXXX XXXX - Date Opened : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( XXXX & Equifax ) Bal : {$150.00} ; I was never late. 
XXXX XXXXl - Date Opened : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( XXXX   & Equifax ) ; Bal : XXXX ; I was never late. 
XXXX XXXX - Date Opened : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( XXXX & Equifax ) Bal : XXXX ; I was never late. 

Inaccurate Public Record Information : Chapter XXXX Bankruptcy - Filed XX/XX/XXXX ; Please remove unauthorized inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXX XXXX  ( 2 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 3 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX