23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear XXXX XXXX CFPB , I am writing to formally dispute an account that has appeared on my credit report, showing me as an " Authorized User '' on a XXXX 's account with an alleged balance of {$XXXX}. I have no knowledge of this account and did not authorize being added to it. Despite having this fraudulent entry removed from other credit reporting agencies, Equifax continues to inaccurately report this information. 

This erroneous reporting is causing significant stress and negatively impacting my ability to secure credit. As such, I am requesting the immediate removal of this account from my credit report. 

I believe this account is being reported in violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To resolve this matter, I am formally requesting the following documentation : Proof of authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this account.

The legal basis for collection of this debt.

Evidence of your authorization to operate in my state.

Documentation of the alleged debt, including any agreements bearing my signature.

The complete account history, including all charges related to collection activities.

In accordance with 15 U.S.C. 602 ( a ), I am also requesting an immediate cessation of all communication and collection activities related to this account. Additionally, per 15 U.S.C. 604 ( a ) ( 2 ), no account may be reported to credit bureaus without my explicit written consent.

Your actions have violated my rights under several sections of the FDCPA, including : 1692d : Prohibition of harassment or abuse in debt collection.

1692e : Prohibition of false, deceptive, or misleading representations.

1692g ( b ) : Failure to disclose my rights appropriately.

1692f : Use of unfair or unconscionable means to collect the debt.

I expect immediate deletion of this disputed account from all credit reporting agencies. Should you fail to comply, I may consider further legal action to protect my rights. 

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

In accordance with the Fair Credit Reporting act, the following companies have violated my rights : XXXX XXXX XXXX ; Account # xxxxxxxxxxxx XXXX for {$580.00} XXXX XXXX XXXX ; Account # xxxxx XXXX for {$7200.00} XXXX XXXX XXXXy for {$850.00} 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting

To whom it may concern, The reason for this email is because I am seeking your help to correct a wrong information that Equifax is reporting. It says that our mortgage account with XXXX now XXXX XXXX, that was closed in XX/XX/2011, is past due of 120 days in the last 12 months. I am sending the cancellation letter, the settlement, and the Deed, as well as a history of the mortgage, for you to please review them since the delays reported are incorrect. I would like to express my appreciation and gratitude to you for taking the time to review these documents. 

Again, I pray that this error is corrected since is affecting us to acquire a new home for my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XXXX - XXXX I saw a lot of pre approvals on Credit Karma. At first I didnt pay it any attention, but Credit Karma sent emails stating that I was pre approved for credit cards, personal loans, cheaper insurance and car refinancing. I saw these advertisements every time I open the app to check my credit report. I received so many offers stating that I was pre approved that I decided to apply. I even shared the information with my family members. We decided that we would use these pre approved funds to make investments and take a nice vacation. So I applied on or around XXXX for a credit card and a personal loan and was denied. I applied again in XXXX for another credit card. I was highly disappointed due to the fact I was told that I was pre approved. As of today, I am still receiving these emails. I am afraid to apply, because I may be denied again. At the time of applying, I had a pretty high credit score at all 3 credit bureaus. I couldnt understand why I was denied. I was deceived and it pissed me off. I was marketed for months to realize it was false representation on behalf of Credit Karma. I did not receive what was offered. I was highly disturbed by what took place because of the impact that Covid had brought about. But here it is XXXX and Im still being marketed for the same false representation. Credit Karma is not being honest about the pre approved content it is sharing online and through emails. The denials put me in a stressful situation. It created anxiety and added to my XXXX. Now when I see a pre approval advertisement, I immediately turn the other way due to how I was treated by Credit Karma during a crisis in America.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT.

Account Name : XXXX XXXX XXXX XXXX  - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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

I don't believe that mine account. I do not have access to the documents related to this account. I had very good credit, limited debt, and paid most or all of my accounts on time. I have always been very responsible about my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint will be my follow-up to my previous complaint that contains these disputed accounts : XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$0.00} I want the aforementioned accounts to be deleted for they are misleading and erroneous
Product: Debt collection

In XX/XX/XXXX I paid off a vehicle ( which shows on my credit report ). In XXXX XXXX XXXX sold you an account that had already been paid. Both Resurgent and LVNV funding are on my credit report at the same time for the same amount. The paperwork that you keep showing from XXXX XXXX from XXXX is the address is wrong, and the paperwork from the XXXX XXXX XXXX XXXX states I had a XXXX in XX/XX/XXXX, and there is no signature from the loan collateral and no seal, with no dates of signatures. 

For XXXX XXXX XXXX XXXX I have medical documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS Transunion # XXXX # XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN XXXX XXXX  XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Product: Debt collection

This seems to be an extention or part of the original debt I have submitted today with your company CFPB - XXXX/XXXX/2016 -Case File # XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent company a dispute for Inaccurate reporting that was on my EXPERIAN consumer report, as well as unauthorized inquiries. 

A dispute was mailed out to the company certified mail and return sender, I have attached valid copy of Passport, Social, and utility bill with my current ant only address. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Credit Inquiry on my credit report The only address that should reporting is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is now my second attempt trying to resolve this issue with EXPERIAN.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted.The company has failed to provide supporting documentation verifying the accuracy of the inaccurate information reporting on my consumer report. 

I am demanding for the following accounts to be verified and updated by credit agency. All late payments be removed. 

I am demanding all inquires to be deleted immediately. 
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 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 XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I first requested a PMI removal appraisal in the XXXX of XXXX. At the time, the XXXX XXXX required was 80 %. After PHH MortgageXXXX XXXX XXXXXXXX sent their appraiser, it was determined the value of my house did not meet the threshold. I don't remember the exact number and it's not listed in any letters, but over the phone they told me the house appraised for somewhere in the XXXX. At the time, I knew this was low for my area. For context, I live in a community of XXXX of the exact same house, all built in XXXX, and my neighbors recently sold for upwards of {$1.00} XXXX, which would have more than exceeded the threshold I needed for my XXXX. On XX/XX/XXXX, I received a packet detailing the comps this appraiser used, and she said it was a townhome when it is actually a single family home on a small lot subdivision. She also listed XXXX as year built, when in fact the complex was built in XXXX but my own house wasn't completed until XXXX ( see homeowner 's insurance quote ). I believe the appraiser used the wrong comps. The bank told me I could appeal after 90 days, so I did. 

The new appraisal took place XX/XX/XXXX, and I was told over the phone it appraised for XXXX. This is closer to the amount I think it's worth, but it still doesn't equal the price my neighbors with the same home got, nor does it match up with the comps in the neighborhood I had my realtor XXXX XXXX put together ( attached ). Additionally, the goal posts were moved between last fall and now, and apparently XXXX XXXX XXXXXXXX now requires 75 % XXXX. This seems unfair to the consumer and quite honestly, a scam that the appraisal for my house was so dramatically different between now and last fall, and the required XXXX XXXX raised in the same interim. 

As the CFPB, I ask you to intervene and protect the consumer from these predatory practices. I still have yet to receive a quote as to what amount I would need to pay off to make my XXXX 75 %, despite having requested this weeks ago and being promised a mailed response by XX/XX/XXXX. ( I know PHH keeps a call log if you're interested in specific dates these phone calls and emails happened ). For every day that goes by, I'm this much closer to needing to continue to pay $ XXXX in the next PMI installment, not to mention the fact I've already spent {$380.00} on appraisal fees.
Product: Debt collection

Received letter dated XXXX XXXX 2016, XXXX XXXX XXXX, Amount {$1200.00} I called the company demanding original creditor information and who the account belonged to. They could not provide any information about the debt at all. 

I sent a certified letter demanding validation of the debt with no response to this date. 

I disputed with CRA 's but Commonwealth is affirming the debt. 
This is fraudulent and needs to be removed from my CRA 's immediately.
Product: Checking or savings account

On XX/XX/XXXX there was an error made by XXXX - I got through to mgmt and they reversed the erroneous pending charges. I called my bank and they reversed the charges on the XXXX of XXXX. However, today 2 of the three erroneous charges reappeared. I spent hours on phone with XXXX  and bank. I provided J.P. Morgan chase withe reversal codes and escalated to executive office of chase where XXXX assigned case # XXXX to XXXX and even though XXXX provided reversal codes on pending charges - Chase is refusing to give me my money - to be clear I owe XXXX nothing and have paid for everything and because of their refusal to fix the issue that is no fault of mine - I am overdrawn- this should be illegal when the vendor supplied the referral codes. Additionally, the pending charges were on the XXXX not the XXXX - the phone number for XXXX at chase research exec office is XXXX x XXXX- the reversal code for the XXXX is XXXX and for the XXXX is XXXX. I have never had a bank do this and I never overdraft my acct! I have had this acct a long time. My name is XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 15 U.S.C, 1681section 602 A . States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding correspondence I had with MCMC Auto on XX/XX/2019. This event came to happen due to errors I noticed on my credit report placed by MCMC. Below is an abridged version of events.

XX/XX/2019 Errors identified on my credit report XX/XX/2019 I spoke with MCMC customer service asking for clarification MCMC CSR stated a high balance owed, so I sent in writing A written request sent to CSR per U.S. Code 692g.Validation of debts Tue XX/XX/2019 Received email from MCMC General Manager stating, " There should be no deficiency balance. '' Tue XX/XX/2019 Responded to an email asking MCMC GM to call and clarify.

XX/XX/2019 Call from MCMC General Manager stated XXXX  balance and account was closed. I ask myself then why does my credit report states otherwise. So, I inquired as to how we can clean my credit report, and MCMC GM suggested {$4000.00} should fix it.

Tue XX/XX/2019 I felt blackmailed and railroaded at such a ludicrous request I sent MCMC GM email with a letter of Insufficient Validation.

Tue XX/XX/2019 MCMC GM emailed me, stating, " Per our conversation, there is no deficiency balance owed. It is reported as a repossession, but we do not pursue, nor do we report deficiencies to the credit reporting agencies. I am not sure what Sabrina sent you, I am going to get with her and review. Obviously, I have a training issue that I need to deal with ''.

Tue XX/XX/2019 I replied with, " Unless MCMC can produce the requested documentation, all I am asking is to have the reports deleted from the three reporting agencies as they can not be validated.

Tue XX/XX/2019 Email from MCMC GM " We are not pursuing a deficiency. We sent a strict foreclosure notice. The repossession occurred and was reported to the credit reporting agencies. We will not be deleting the information. '' Tue XX/XX/2019 XXXX XXXX  I replied, " I hoped for better results as to avoid litigation. '' Tue XX/XX/2019 Emailed MCMC GM a screenshot of the errors on my credit report Tue XX/XX/2019 I sent the Infraction of the Fair Credit Reporting Act notice Sat XX/XX/2019 I received a letter from MCMC 's lawyer stating that if I do pursue litigation, we will protect his client as well as seek additional fees as well as his fees for having to " defend such a frivolous lawsuit. '' I feel completely violated by MCMC, as well as their legal representation. It just makes me feel threatened and I searched and found this interesting article about " When May a Lawyer Threaten the Other Party with Criminal Prosecution? '' The civil adjudicative process is primarily designed for the settlement of disputes between parties, while the criminal process is designed for the protection of society as a whole. Threatening to use, or using, the criminal process to coerce adjustment of private civil claims or controversies is a subversion of that process ; further, the person against whom the criminal process is so misused may be deterred from asserting his legal rights and thus the usefulness of the civil process in settling private disputes is impaired ( XXXX XXXX XXXX, XXXX ).
Product: Credit reporting or other personal consumer reports

I do not consent to e-OSCAR verification and want an actual living human to read this complaint. This is a Notice to Arbitrate if we can't come to a fair resolution in reference to XXXX XXXX XXXX reporting 's then i'll file full Arbitration. I'll have my proof of claim attached below and marked up consumer reports showing the many violations on the reporting 's. I expect a response within 5 business days considering I have done multiple complaints about this matter.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and found several billing mistakes. The late payments listed don't align with my usual payment history.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Collection : 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 or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XX/XX/XXXX XX/XX/ 15 U.S.C , 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I called Pennymac with concerns about my upcoming payments on XX/XX/XXXX after losing my job on XX/XX/XXXX. I'd already made a payment for XXXX and expressed concern about what might happen in coming months. I was transferred to someone who quickly offered a XXXX month modification " until XXXX '' but could not answer basic questions like " does this meant the payments I don't make are pushed back or is everything due in XXXX? '' Someone had to call me back to provide any details. On XX/XX/XXXX I spoke with someone who told me that we'd assess where I am in XXXX to figure out how to manage the m9dified payments between now and then. I was fortunate to receive a job offer on XX/XX/XXXX and it was only when I called Pennymac ( literally an hour after I accepted my offer ) that I found out I had " missed a payment for XXXX and XXXX '' meaning I owed ~ {$130.00} in late fees and had ( for the first time in my history ) been reported delinquent for both months. The employee was rude and everyone I've tried to work with indifferent to the lack of communication on the part of pennymac. They cite phone calls made in XXXX but the number for those calls reports as spam and there is an automated voice message with no relevant information. How they could reverse my modification without telling me on XXXX and suddenly report me as past due for a payment date that occurred just XXXX weeks after I was told it would be overlooked is so unbelievably deceptive. This company was quick to offer something they could not explain, make assurances that turned out to be false and report information that is inaccurate based on obligations in relation to the standardized guidelines for reporting. I am not the only customer to experience this. 

Regardless, I'm sure little actual investigation or process remediation will be done and I fully expect Pennymac to again reply with a canned response that, for some reason, includes my recent payment history ( a history that shows I immediately made payments, and am in fact serious about my obligations ; those payments AND LATE FEES were made as soon as I received an offer ). My recent payments do not demonstrate that I agree with what pmac has done, so there's no need to include them ... the only reason the payments were staggered over XXXX days is because the XXXX stated my second payment would be applied to a future month and not to bring my account current... yet another demonstration on how poor and directly misleading the communications are. You did not make it clear anywhere in the portal that I was past due or ( when I learned that I was ) how to bring my account current. 

As of right now I'm unable to access ant of my loan details or documentation. I get a pennymac error message when I select a document to view and no loan, interest rate or tax information is presented when the view option is clicked. ( Screenshots attached ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested validation ( in the form of the original contract ) from the bureau for the fraudulent account. I sent in a letter and an FTC report. I resolved by speaking with the company, but still no proof of the original consumer contract so please delete it.