23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX 2018 I disputed a account with Equifax that not reporting 100 % accuracy .. The alleged account is XXXX XXXX XXXX XXXX # XXXX.. Equifax reported back that the account was verified and reporting 100 % accuracy.. Well today as of XXXX XXXX2018 I noticed that the account is charged off and has been sent to another agency sold to another lender,, and Equifax is not reporting 100 % information on my report, The account is sold and Equifax has failed to report the information 100 % accurate and the alleged account needs to be removed from my Equifax file. I have enclosed a copy of my recent report with Equifax and the account is not reporting the sold account information. Equifax please remove the account from my file,, your company is in violation of the FCRA. And my rights have been violated. The account is sold I've called and spoke with the original creditor and they advised me that the account is sold,, so the credit company is not reporting the information accurate,, I found out this information from the original creditor and its Equifax job to report 100 % information on my report, and Equifax failed to do so,,, ,so please delete this or I would be subject to file a small claims for your violation and non-compliance In the pictures enclosed it shows in the remarks that the account is charged off only,,, where the status should show sold to another agency or outside lender,,,, thank in this matter
Product: Debt collection

I am writing in response to your recent communication regarding the alleged debt you claim I owe, referenced as Account # XXXX, with a balance of {$350.00}. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), I am formally requesting debt validation. 

Under the FDCPA, you are required to provide verification of this debt before any further collection efforts. Specifically, I am requesting the following : 1. Proof that I owe the debt, including a signed agreement or contract with the original creditor.

2. The name and address of the original creditor to whom this debt was originally owed.

3. A complete account history, including any payments made and how the current balance of {$350.00} was calculated.

4. Proof that you are legally authorized to collect this debt, including any assignment, transfer, or sale agreement.

5. A copy of the last billing statement from the original creditor. 

Until you provide proper validation of this debt, I request that all collection activities, including reporting to credit bureaus, be ceased as per my rights under the FDCPA. 

Additionally, please note that under the Fair Credit Reporting Act ( FCRA ), if this debt is inaccurate or can not be verified, you are required to remove any reference to it from my credit report. 

Please send all requested documentation to the address listed above. If you are unable to provide proper validation, I request that you cease all collection efforts and remove any related negative marks from my credit report. 

I expect your prompt response within the timeframe established by the FDCPA. Please be advised that I am keeping records of all correspondence regarding this matter for future reference.
Product: Money transfer, virtual currency, or money service

I paid {$100.00} for products on PayPal and after I sent payment the seller stopped responding and blocked me. 
I opened up a complaint with PayPal and they said that they did not find any fraudulent activity although Im positive the seller never verified sending me anything because I do not have anything. They simply stole my money and PayPal helped them do it
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items are reporting inaccurate information on my credit report and are in violation of Sec 15 USC 1681a ( 2 ) ( b ) 2021 IRS publication 4681 Please REMOVE the following item XXXX XXXX XXXX  This account is in violation and should be removed immediately
Product: Debt collection

XX/XX/year> Amount {$630.00} this account was sent to collectors and.charge me for unnecessary charges that I can not afford in my finances.
Product: Debt collection

They have been calling harassing me and I have no recollection about this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX Balance : {$3000.00} ; XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX  XXXX Balance : {$1600.00} ; XXXX XXXX Balance : {$0.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I got an email from Chase saying they are reviewing my application about the Chase Freedom Unlimited. I tried calling Chase and they are asking about debit or credit card number, which I do not have at all. I already have my credit frozen.
Product: Debt collection

HI; RESURGENT/LVNV FUNDING ( ALL ACCOUNTS UNDER MY NAME AND SSN ) : I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Debt collection

Perfection Collections has placed an account on my credit report. I have never heard of this company, never received any type of notice giving me 30 days to dispute the information before it was placed on my credit report. This company is a debt buyer that has bought a charged off account, and I have no legal obligation to pay them anything, I have no contract with this company, and do not owe the original creditor anything. I have asked for validation showing that I am legally bound to this company for the alleged debt, and they have not sent anything as requested via certified letter that was mailed to this company. I am demanding that this account be deleted from my credit reports. This is a clear violation of my rights under FCRA, and I am obtaining legal representation. I am in the process of buying a home, already obtained pre-approval for a loan, and now that this account has been placed on my credit report, we will have difficulty obtaining final approval, and we already have money invested, so I will be filing a lawsuit, if this account isnt removed from my credit reports, seeking damages for the money I will be losing because of this account being placed on my credit report, preventing me from now getting the mortgage loan.
Product: Debt collection

i received a phone from XXXX XXXX XXXX and they left a voicemail stating they were calling on behalf of XXXX XXXX XXXX. I called backed confused. I spoke with a female representative who was going into detail about the debt owed. I told her she doesn't need to go into anything further this has been taken care of. She proceeded to say she needs proof. I told her I didn't have it and asked if she could call the doctor 's office and she said no. she needs it from me or its going to stay in collections. She proceeded to hang up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have over 200 Inquiry on my credit report with Equifax, so I called them and spoke with a supervisor by the name XXXX, and he put in the dispute for the Inquiry 's I received a copy of my Credit report on today. I looked online to see if all of them was actually removed to find out they weren't. I called and 3 reps form Equifax stated that all the inquiry 's where still on my report and they don't have any records on the confirmation # nor will they remove them off. I don't understand why I would receive a report and they can't find any records of it or my dispute. These aren't my inquiries nor am I requesting for my credit be pulled. I would like them to be removed. I'm already apart of the Data Brench and this is an issue with Equifax.
Product: Credit reporting or other personal consumer reports

I am writing to address an urgent issue regarding inaccuracies on my credit report. Upon reviewing my report, I found that late payments has been incorrectly listed on my account. I kindly request your immediate assistance in correcting or removing this inaccurate information from my credit report. 
Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. This discrepancy is due to an error, and I seek your immediate intervention to rectify it. Other credit bureaus have already corrected the status of the account, and the company confirmed over the phone that they would fix this issue. 
XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reporting in accurate information on my credit report which has affected my credit score. XXXX XXXX reported on multiple times to all credit bureaus in accurate information. They reported with XXXX and XXXX that for the month of XX/XX/XXXX that I was 90 days late but with Equifax they reported that I was 120 days late. For the month of XX/XX/XXXX they reported with all three credit bureaus that I was 120 days late. For the month of XX/XX/XXXX they reported with XXXX that I was 120 days, XXXX that I was 150 days late and with Equifax that I made payment on time. XXXX XXXX has reported on all my accounts with them in accurate payment his. I have also made three complaints with credit bureaus to resolve these inaccurate reporting but I was always informed that the information is reporting accurately. I have attached my credit report to reflect the inaccurate information being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

The name and birthday connected to my credit account are not my legal name. The name on my report now is XXXX XXXX but my full name is XXXX XXXX XXXX XXXX. My birthday is XX/XX/1989.
Product: Mortgage

I am a XXXX XXXX, and my client applied for a refinance of their primary residence on XX/XX/19. Borrower 's fico score is in the 660s and loan amount is {$130000.00}. The loan type is a Conventional Cash out Refinance of a primary Single family residence. Due to the fico score of the client and the loan size and refinance type the LLPAs on the rate are high compared to the average client with a higher fico score nationwide. 

Upon registering the file with the lender we were notified by the lender that the loan was failing the QM safe harbor test with regards to the APR being over the APOR by 1.5 percentage points. We adjusted the rate down with the borrower paying discount points to accomplish this. The rate was locked at this time. 

A month later we were notified that the APOR had decreased per the weekly publishing and the loan therefore had another safe harbor issue since the rates are decreasing rapidly. The problem is that the client was locked in a month earlier at higher rates. Now my client 's APR is being compared to the more recent lower APOR and has to pay more discount points to lower their rate more which is harming the client and making it nearly impossible for their loan to close. 

The Lender stated that they received the interpretation from the CFPB that the term " as of the date the interest rate is set '' from your publication means that every time a change happens to the loan ( i.e. loan amount changes, interest rate changes, ltv changes, etc. ) that the lender has to compare the APR on the file to the new available weekly APOR. This makes absolutely no sense and is harming consumers. How can a loan 's APR with an older Lock be compared to new rates ( APOR ) that have decreased. I have had 3 clients with this same issue in the past 30 days. 

I have reached out to all of my contacts at the lender and they are trying to find a work around, but nonetheless the CFPB needs to make it clear what they expect pertaining to what APOR to compare the APR to. A clearer definition of " at the time when the interest rate on a mortgage is set '' is needed. See section 4.3 What Makes a QM loan Higher -Priced 1026.43 ( b ) ( 4 ). 

Please advise whether the lender should be comparing the new weekly APOR to the APR on the file when the rate was locked several weeks prior or whether regardless of any changes to the loan the current APR on the file should be compared to the APOR from the week the rate was originally locked.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX and XXXX reports recently showed three Hard Inquiries that I didn't authorize. I am requesting that they be removed from my credit immediately. 

XXXX ) XXXX XXXX / Inquiry Date : XXXX XXXX ) Capital One / Inquiry Date : XX/XX/2023 XXXX ) XXXX XXXX / Inquiry Date : XX/XX/2023.
Product: Credit reporting or other personal consumer reports

Listen Im tired of trying to work with these companies to get them to comply and do their job. These FCRAs have violated my rights, caused me credit denials, I have no home, no car, my reputation destroyed because they continue to report an account that according to XXXX Guidelines this account should have been charged off after 180 days past due, its over 7 years PAST DUE, the dealership is aware, and theyre still reporting late payments well over 180 days, its been 7 years with NO PAYMENTS. I am now seeking statutory damages. Both CREDIT ACCEPTANCE, XXXX XXXX EQUIFAX i am seeking statutory damages. in violation of 15 U.S.C. 1681n and XXXX nor Equifax has provided me with proof of accuracy, proof that theyve done their job in a full investigation and continue to destroy my life. I am homeless and without a car because of this. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX of this year I contacted all of my creditors and told them that I was being forced to shut down my XXXX XXXX of 19 years cause of the pandemic so all creditors agreed to allow me 2 months at first and then it was extended so can try and get back on my feet and barclaybank reported me for being late in XXXX to the XXXX  credit bureau, I have since asked to pls remove that and I have asked XXXX  to dispute it and they are all just playing with me, it is my only negative mark on my record and if I recall the federal government announce some time in XXXX that no ones credit rating would be affected negotiable by the pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score. CFPB please step up and delete this ASAP please Im looking to purchase a car. XXXX XXXX XXXX, and XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) This letter is regarding the account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting 'validation '', that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 ( 15 USC 1962e ) ; therefore, If you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.

Please Note : This notice is an attempt to correct your records, and any information recelved from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/year> To : PORTFOLIO RECOVERY Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX Re : Cease and Desist Request - Violation of Fair Debt Collection Practice Act Dear Sir/Madam, After recently submitting notice that this account is being reported on my credit report as charged off and a 1099c has been submitted and therefore income can not be reported on a consumer report and you refuse to update my report. I am writing to formally request that PORTFOLIO RECOVERY immediately cease and desist all communications with me, in accordance with the provisions of the Fair Debt Collection Practice Act ( FDCPA ), Specifically under 15 USC 1692d and 15 USC 1692cc.

1. 15 USC 1692d : Harassment or Abuse I believe that companys actions may constitute harassment or abuse in violation of the FDCPA. Under this section, debt collectors are prohibited from engaging in conduct that is intended to harass, oppress, or abuse a consumer. This includes threats of violence, use of obscene language, or repeated calls.

I request immediate cessation.

2. 15 USC 1692cc : Communication in Connection with Debt Collection. Under this provision. I am entitled to request that you cease all communications regarding any alleged debts in question. I am hereby exercising my right to request that you stop contacting me through any means in which Ive never given you consent nor provided you with my information, including but not limited to telephone calls ( in which Ive never given you consent nor provided you my information ), letters, and emails. As per 1692cc, your company is required to comply with this request and may only contact me if legally obligated to do so under the act.

If your company continues to contact me after this notice, it will be considered a violation of federal law, and I will not hesitate to pursue all legal remedies available, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Illinois Attorney General office. Additionally, I may consider pursuing a civil suit for damages caused by these unlawful actions.

Please consider this letter a formal and final request for cessation of all communications. I expect to receive written confirmation that my request has been processed and that no further communication will take place. I have included a copy of my DL and proof of address which also the same address on my DL Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit card

THIS IS A FRAUD I DO NOT HAVE AN ACCOUNT WITH CHIME I DO NOT WANT TO HAVE AN ACCOUNT WITH CHIME THIS IS NOT MY PHONE NUMBER PLEASE EMAIL ME WITH ALL OF THE CORRECTIVE ACTIONS YOU HAVE UNDERTAKEN BY XX/XX/30!! 

Chime refuses to provide any information to me.
Product: Checking or savings account

I still have not refunded my refund check for my closed account. Every time you call and speak with someone, you're told something different. When I closed the account, the agent gave me no other option than a mailed check. I spoke with XXXX XXXX # XXXX ). I was told it would arrive by XX/XX/XXXX. Having still not received it, I reached out again. I spoke with XXXX who said it was shipped on XX/XX/27. When XXXX first got on the phone, he was unable to locate the check so I asked how he was able to verify it was sent on XX/XX/27 after putting me on hold. He couldn't answer the question after 4 times of me asking so I asked for a supervisor and was transferred to XXXX ( # XXXX ). He said he could not locate when the check was sent out ; just that it would arrive before XX/XX/XXXX. There's no accountability at Capitol One and it's the main reason I closed the account.