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

This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX 2. My Address : XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am writing this personal statement on my own behalf. After carefully reviewing my credit portfolios, it has occurred to me that my identity was at some point stolen. Various accounts were opened for financial gain and services. The listed accounts in this report I would like removed immediately. 

Fraud 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
Product: Mortgage

I applied with PHH Mortgage to refinance my condo on XX/XX/XXXX. The account rep., XXXX XXXX, was very helpful initially in getting me through the application process and getting the loan pre-approved and locked in the interest rate. After the initial communication on the application, there was " zero '' communication from her or PHH Mortgage. I uploaded all the required documents without her assistance or directions. 2 weeks later, I attempted to contact her via voice mail and email, no responses. On or above XX/XX/XXXX, I called again and got someone else to talk to me. A mortgage services consultant, XXXX XXXX, told me that my loan had all proper documentations and the appraisal fee was waived, but he did not understand why the loan was not put in queue for processing. Also, he mentioned that the rate lock had only 4 days left. He was going to ask XXXX XXXX and her boss XXXX XXXX (? ). He then told me that they would be contacting me. I called XXXX XXXX again the next day ( XX/XX/XXXX ), he again told me that either XXXX or XXXX would call me within an hour. He even told me to call him back by XXXX XXXX  XXXX  if I had not heard from anyone. I called XXXX again at XXXX XXXX XXXX  since I did not receive a call from either XXXX  or XXXX, but XXXX did not pick up my call. I left him a voice message to call me back. He never did call me back. I called again to XXXX and XXXX the following day to request them to call me back. Neither one did. I sent them email to request some types of communication. None responded. On XX/XX/XXXX, I received an email requesting an appraisal of my condo for {$550.00}. I sent both XXXX and XXXX an email inquiring if the appraisal request was legitimate, particularly I was told that the appraisal fee was waived. Again, they did not response. I left them both voice messages and emailed them asking for a call on XX/XX/XXXX. Neither responded. In the evening of XX/XX/XXXX, I received an adverse action letter via email denying my loan application citing the application was incomplete. PHH Mortgage is my current loan servicer and solicited me to apply for refinancing. The Company and their representatives are terrible in communication and totally unprofessional. They have misled me to think everything is in good condition and then deny my application using an unsubstantiated excuse of incomplete application.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am no longer disputing XXXX XXXX and XXXX XXXX Account.
Product: Debt collection

In XXXX I returned a vehicle that I was leasing for the purposes of driving for rideshare, which was originally leased through XXXX XXXX leasing, later sold to a company named Fair, the vehicle was returned to Fair with no infraction to the contract, and no deficient balance. 

I have been registered at my previous address and at this address, I have not changed my phone number, I have not changed my name I have not changed any other identifying information and no debt of any sort has ever been communicated to me by either XXXX XXXX XXXX, XXXX, or XXXX XXXX XXXX XXXX. I was notified by mail by Receivables Performance Management on XX/XX/XXXX, with a letter dated XX/XX/XXXX, regarding an alleged debt. I have reason to believe I do not owe this debt because I paid on time every month and I have never been contacted in any form by XXXX XXXX XXXX XXXX XXXX or XXXX or XXXX XXXX about a balance. 

I verified my account was in good standing before and after closing the account with XXXX XXXX. 

I have never been contacted in any way by XXXX  XXXX since closing the account. I verified that I did not infract any clause within the lease agreement before and after returning the vehicle, and I have had no collections activity reported on any of my credit reports since the account was verified closed in good standing in XXXX. 

I certified mailed a validation letter which was postmarked XX/XX/XXXX, and Receivables Performance Management received it on XX/XX/XXXX. 

I did not receive a response until XX/XX/XXXX, with a settlement letter dated XX/XX/XXXX, from Receivables Performance Management. Receivables Performance Management never validated the debt. 

I contacted XXXX at XXXX a number thats located on their website at XXXX XXXX XXXX. XXXX said they do not have my records and that XXXX XXXX XXXX bought the company and I should contact them. I was given the following information XXXX XXXX XXXX  XXXX XXXX or XXXX. XXXX XXXX XXXX is not reachable, when you call it goes straight to voicemail and there is not an option for extension one or two. Receivables Performance Management is attempting to comply with or appear that they are complying with the federal statute, but they are representing a company that has never contacted me, has never appeared on my credit report, and can not be called, and I have never been informed of any debt with the original Creditor " XXXX XXXX XXXX '', which was bought by Fair. 

I have never been informed of a transfer of debt or existence of debt with any of the aforementioned companies, except the attempt at collections by Receivables Performance Management. 

I have records of my original lease and all of the transactions from the original lease. So, I am asking to file this complaint against Receivables Performance Management whom I believe is representing either a company or a debt or both falsely, or that they simply do not exist.
Product: Student loan

I believe the reporting requirements for the Interest rate repayment plans are not clear. I was never told I needed to file an IRS form to my student loan and was NEVER contacted by phone. I was only emailed to an email box that is full of junk email, and received only one letter. As a result, my payments started to accrue ( I WAS STILL UNEMPLOYED ), and I was recorded as delinquent. This has reduced my credit score almost XXXX points.
Nelnet refuses to remedy this action. The customer service support was rude, self-aggrandizing, and ARROGANTLY PATRONIZING. This SHOULD NOT BE the attitude of a government loan servicer!
Additionally, they should have known I was still unemployed as they can see I have no XXXX or similar, but clearly, I should have been called when my account was seen as delinquent.
THE WORST THING IS ... NOW THAT I HAVE SHOWN PROOF OF MY CONTINUING UNEMPLOYMENT, MY SCORE SHOULD NOT BE IMPACTED AND I SHOULD GET CREDIT FOR THOSE MONTHS UNEMPLOYED! I intend to work for a nonprofit and I need all the months I can get as my job ( ONCE I EVEN GET ONE ) will not be highly compensated.
The fact that I was treated rudely and disingenuously by an individual at NELNET when I went to clarify this problem is just sickening. THESE ARE THE KIND OF MISTAKES THAT LEAD PEOPLE TO BELIEVE ARE COUNTRY IS FALLING APART! The person who delivered such patronizing customer service should be reprimanded and put on watch!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and informationimmediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting XXXX  % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 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. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( XXXX ) of any information 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 ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results 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. if you are unable to provide me a copy of verifiable proof within XXXX  days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unfortunately, I fell ill to XXXX XXXX and was unable to work for 35 days, with all the bills pilling up I decided to called in and speak to one of there reps and explained my situation. I was told that there wasn't any available assistance from the Care Act '' and the only available option was to file for an extension or make a payment arrangement with a partial payment which I did make a payment of {$400.00} on XX/XX/XXXX and the balance {$190.00} on XX/XX/XXXX, so thats what I was told. I understand it is my full responsibility to make sure my account stays in good standing but I felt like I was mislead. To this day I have not and will not miss another payment. This payment does not show my credit worthiness. I kindly request that the information be corrected and updated to paid from my credit file, a payment was made and I did it on the phone with your rep. I was also told that if I made XXXX following payments that the action would be revised, that still did not happen. As I am in the process of buying a house this information blocks my full ability to purchase without issue. I did what was requested by your company at that moment.
Product: Credit reporting or other personal consumer reports

I have several inquiries in all my reports that have not been authorized. I have attempted to write and contact all the bureaus without any luck in solving the situation. 
I am here writing all the inquiries done on all my reports separately. 

XXXX : XXXX XXXX XXXX Date : XX/XX/XXXX 2. XXXX XXXX Date : XX/XX/XXXX 3. XXXXXXXX XXXX Date : XX/XX/XXXX 4. XXXX XXXX XXXXXXXX Date : XX/XX/XXXX 5. XXXX XXXX Date : XX/XX/XXXX 6. XXXX XXXX  XXXX Date : XX/XX/XXXX 7. XXXXXXXX XXXX XXXX Date : XX/XX/XXXX 8. XXXX XXXX Date : XX/XX/XXXX 9. XXXX  Date : XX/XX/XXXX 10. XXXX Date : XX/XX/XXXX 11. XXXX XXXX Date : XX/XX/XXXX 12. XXXX XXXX  Date : XX/XX/XXXX XXXX : XXXX XXXX  Date : XX/XX/XXXX 2. XXXX XXXX Date : XX/XX/XXXX 3. XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX 4. XXXX Date : XX/XX/XXXX 5. XXXX Date : XX/XX/XXXX 6. XXXX XXXX  Date : XX/XX/XXXX 7. XXXX Date : XX/XX/XXXX 8. XXXX Date : XX/XX/XXXX TransUnion : XXXX XXXX Date : XX/XX/XXXX 2. XXXX XXXX Date : XX/XX/XXXX 3. XXXX XXXX XXXX Date : XX/XX/XXXX 4. XXXX Date : XX/XX/XXXX 5. XXXX XXXX  Date : XX/XX/XXXX 6. XXXX Date : XX/XX/XXXX 7. XXXX Date : XX/XX/XXXX 8. XXXX XXXX Date : XX/XX/XXXX 10. XXXX Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have told Transunion several times that these things DO NOT belong to me. I have submitted an identity theft report and police report in the past and they continue to report fraudulent information. I am asking again that the following things be removed because they are not mine and I did not give any company permission to review my credit report. Louisiana XXXX XXXX & the following inquires XXXX/XXXX, XXXX/XXXX, XXXX XXXX and XXXX. I have never lived at the following address either XXXX XXXX XXXX XXXX XXXX AL XXXX & XXXX XXXX XXXX XXXX, LA XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had XXXX in charges occur on this XXXX.XXXX in or around XXXX XXXX XXXX it is not mine and theft is best i can guess but i did not charge them Fraud was called in XX/XX/XXXX and i call to follow up XX/XX/XXXX Asked to put claim XXXX and take my card from credit agency as adverse accounts This as best to my knowledge the truth as well i'm in a protected class SSA XX/XX/XXXX back dated # XXXX XXXX
Product: Credit reporting or other personal consumer reports

Apart of the experience data breach but had no knowledge of As well as have inaccurate accounts that are not mine showing
Product: Credit card or prepaid card

Chase Freedom sent me a card that I never applied for. I received the card in the mail on Friday XX/XX/XXXX. I called their customer service number on XX/XX/XXXX, and am on hold with them now.
Product: Debt collection

XXXX, XXXX XXXX SEC : XXXX DOB : XX/XX/XXXX ADDRESS : XXXX XXXX XXXX, XXXX, FL XXXX Credence Rm Opened XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious CREDENCE I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC : XXXX DOB : XX/XX/XXXX ADDRESS : XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit card or prepaid card

I called to defer payment during the pandemic. Then we were still struggling and I called to set up a {$10.00} per month payment. I thought the payment was to be automatically drawn off our checking account like the first payment I made, and it was not and then I was charged a late payment to my credit report. I called and asked them to take the late payment off my credit report because I did end up paying and they said they would take it off and it is not off. Please remove this ding on my credit report. 

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

On XX/XX/XXXX I reviewed a current credit report and noticed several student loaned reporting to me which I have not applied for. There are a total of 4 loans opened to me fraudulently and the dates are 2 on XX/XX/XXXX which is also when the fraud started and 2 on XX/XX/XXXX and is also the last date the fraud took placed. Since then I have contacted the creditor and have made them aware of my situation which they resulted in starting an investigation, and I have even taken it as far as filing a report with my local police department to help assist fighting this fraud.
Product: Consumer Loan

I purchased a Chevy HHR for {$8000.00} and financed the vehicle through CIG financial in XXXX of XXXX. I made XXXX payments @ {$260.00} = {$4900.00}. My ex husband took over the car & payments as his name was on it and he could afford it. However, he made no payments. Sometime in XXXX, I started receiving harrassing calls from CIG, which threatened me with criminal action and incarceration for theft, although I was not in possession of the vehicle. The balance CIG claimed was owed on the vehicle was {$5200.00}. they claimed that the I had to pay not only the balance owed, but legal fees since they stated they had initiated legal activities against me and/or my ex-husband. They demanded {$500.00} up front, and monthly payments of {$250.00}. Although I am a single mom, with a child whose medical bills for XXXX totaled {$85000.00}, I took possession of the vehicle, paid the initial {$500.00}. I made XXXX payments @ {$250.00} = {$1700.00}. In XXXX, XXXX, I received a letter from CIG, offering to settle the account for a lesser amount, at lower payments. I immediately contacted them. the representative I had been working with, XXXX XXXX XXXX, tried to threaten and intimidate me into continuing with the original agreement. However, since CIG had offered me this agreement, I stuck to my guns and we changed the contract, so that my monthly amount was now {$160.00}. Although the payment was lowered, the amount owed was not reworked as promised. I made XXXX payments @ {$160.00} = {$340.00}, bringing my total payments to {$2600.00} + XXXX = {$7600.00}. In XXXX of XXXX, the vehicle was totalled in an accident. My insurance company, XXXX paid CIG financial {$2600.00} to settle for the vehicle. This makes the total paid out for the vehicle {$10000.00} I have since recieved letters from CIG Financial threatening me with legal actioin and claiming that I owe a balance of {$2800.00}. They have destroyed my credit, as they refuse to show that any payments have been made on the vehicle, and are showing it as a repossession ( it was never physically repossessed ). They said that even if I paid it off, it would remain so. They have further made XXXX unauthorized hard credit inquiries to my credit report, two within a week of each other. I am frustrated and at the end of my rope ; I do not know what else to do. I have been nothing but cooperative with this company. The payments I made after recovering the vehicle from my ex-husband were made as agreed ; none were ever late. This situation has caused me is XXXX ; I ca n't afford the {$2800.00} and I have no idea what I need to do to put a stop to this.
Product: Credit card or prepaid card

I became behind on my XXXX account in XXXX/XXXX  of 2020 - I now know that I what I thought was the XXXX  was really XXXX  spreading to myself and my daughter. At the time I worked part-time and therefore my hours were reduced and I could not pay my account. 
XXXX and I came to an arrangement after I saw an email on XX/XX/XXXX that they were helping people through the health/economic crisis. 

After speaking with the representative, I agreed to make a payment only IF they would fix the late payments now reflected on my credit report. She agreed and I made a payment of {$320.00} - which was much higher than my normal {$70.00} payment and took a great deal of balancing on my part with regards to bills. I ONLY agreed because they would report positive payments on my credit report. 

I discovered a year later that in fact they did NOT fix my credit report as agreed. And guess what - if I don't pay it really doesn't matter because my credit is screwed now and if I close the account my credit is XXXX  .... notice how that works? These companies have our heads in a vice. 

So now after writing them the following, with a response on XXXX that says in fact the credit report is correct and they will not accept my dispute, I need you all to intervene. 

To Comenity : " I made an arrangement to get caught up last XXXX ( 2020 ) because I not only contracted XXXX ( before they really knew it was XXXX  ) but also got reduced hours due to XXXX. I held up my end of the agreement by making the payment ( s ) but you STILL reported this to the credit bureaus as delinquent. I have called TWICE to get this fixed. What is the point of me paying you ANYTHING since this delinquent report is completely dragging score down!?!?! You've send me countless emails about support and making payment arrangements, but then you still punish people. That isn't support. 

Please fix this as per our arrangement and clear this " delinquency '' from my credit report. ''