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

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX  on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Date Opened : Balance : {$3900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance : $ XXXX open
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX XXXX XXXXXXXX  AMSHERCOLLECTIONSERVICES XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Phone : ( XXXX ) XXXX Subject : Cease and Desist - Credit Reporting Issue Dear amsher I am writing to formally request that you cease and desist from reporting inaccurate information regarding my credit account with Amsher with account number XXXX  I believe that the information you have reported is incorrect, and it is damaging my creditworthiness. Specifically, the inaccuracies include not being able provide What the money you say I owe is for. 2. A detailed explanation of how you calculated what you say I owe. 3. Copies of any and all papers that prove I agreed to pay what you say I owe. 4. A verification or copy of any judgment, if applicable. 5. The identity, name, and address of the original creditor. 6. Proof that the Statute of Limitations has not expired on this account. 7. Proof that you are licensed to collect in my state. 8. Your license numbers and Registered Agent or Agent of Service. Under the Fair Credit Reporting Act, I have the right to dispute inaccuracies in my credit report. I request that you investigate this matter and correct the information. Please provide written confirmation of your findings within 30 days. Failure to comply with this request may result in further action to protect my rights. Thank you for your attention to this matter. Sincerely, XXXX XXXX
Product: Consumer Loan

I sold my Lexus RX350 via XXXX to a person claiming to be XXXX XXXX. This person sent a cashiers check directly to my loan and title holder JP Morgan 's Chase Auto Finance. The cashiers check was received by Chase on XXXX XXXX, 2016. The name on the check was XXXX located in XXXX, Arizona. I called Chase almost everyday to be sure the check cleared. I called Chase Auto Finance a total of 21 times between XXXX XXXX to XXXX XXXX. They assured me that the check had cleared 3 straight days. The day I released the vehicle I phoned Chase at XXXX and spoke with XXXX XXXX. I asked again, has the check cleared? He said YES, I asked if the lien release had been mailed out? He said YES, I asked if I am at any risk for releasing the vehicle to the buyer? He said NO. I have a copy of the lien release signed and notorized by Chase XXXX XXXX XXXX ( XXXX XXXX Sr. Specialist ) and Notary XXXX XXXX ( State XXXX ) dated XXXX XXXX, 2016. The auto was released on XXXX XXXX, 2016. I also have a letter dated XXXX XXXX, 2016 stating that the loan had been satisfied signed by XXXX XXXX XXXX, Loan Servicing Specialist. I have since learned that the cashier 's check received by Chase XXXX had been returned. Chase is insisting that I continue to pay on my original loan that they have released me from. I believe I am no longer responsible for payment on a loan they have released me from. I also believe, that they must make a procedure change when dealing with a loan payoff and that they do a better job of protecting the customer from financial fraud. I am currently working with XXXX XXXX at the XXXX Investigations office in XXXX. I have a picture of the man who signed the Bill of Sale and a release of liability form. I was contacted by the gentleman named XXXX who purchased the vehicle from the thief alias XXXX XXXX stating he had purchased the vehicle in the XXXX area for considerably less than ( {$11000.00} ) I sold it for ( {$25000.00} ). I sent the picture I have of the thief and he confirmed that he is the same guy that he purchased the vehicle from. The investigator was able to contact a XXXX area Police Investigator who was able to identify the man. The XXXX Police Investigator was also able to contact " XXXX '' and obtain his full name and address. The only reason this fraud was able to take place was because of Chase XXXX being careless in their handling of the check and its information provided to me stating the check had cleared, the lien release was mailed out and that I was at no risk releasing the vehicle. I am requesting that I should no longer be responsible for the original loan I was released from. Please help. I have done all that I could to prevent this fraud from taking place however Chase Financial has not.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have inaccurate information on my credit report.
Product: Mortgage

My loan is scheduled for automatic termination of PMI on XX/XX/2023 as that is the date that the Loan To Value Ratio crossed the 78 % threshold. That date came and passed, and each month Specialized Loan Servicing continues to deduct my PMI payment. 
I have called repeatedly and each time I am told the request is escalated. After most calls, I receive a letter in the mail XXXX days later that outline general steps that can be taken to remove PMI, but nothing to do with my loan specifically. 
The most recent time that I called, Specialized Loan Servicing told me that I needed to have a valuation performed on my home to ensure that the value has not gone down. This cost would be passed on to me, and is in direct conflict with what is stated in my closing disclosures regarding automatic termination once the Loan To Value Ratio crosses 78 %. 

Dates Called : XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted the credit companies stating that the information on my credit report is incorrect they did an investigation and it is still incorrect the accounts are XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX In accordance with the Fair Credit Reporting Act those accounts have violated my rights. 
15 U.S.C 1681 section 602 A section2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian failed to provide BY MAIL my request for documents proving these XXXX lease accounts from XXXX XXXX are mine. They are not and they can not prove them as mine. They are willfully being non compliant by violating FCRA, not responding to me in a timely manner and providing the documents I requested. This is nonsense and unacceptable. I know my rights and I will if necessary take the needed steps to sue them, and file a complaint against XXXX for not doing its job enforcing FCRA. 

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

All the details are in my claim number with you of : XXXX. No answer has been received from LexisNexis other than a letter addressed to : FirstName XXXX Last Name at my correct address claiming the need for more information. 
I provided a copy of my credit denial from XXXX dated XXXX XXXX, 2019. 
I receive mail asking for more information, then nothing. 

I know their Credit Report was incorrect and it would seem they do not wish to explain and/or correct. 

Suggestions would be appreciated. 
XXXX
Product: Credit reporting or other personal consumer reports

The following inquiries appear on my credit report and have not been authorized. Needs to be removed asap THE FOLLOWING COMPANIES HAVE PLACED AN INQUIRY ON MY CREDIT WITHOUT MY PERSMISSION OR WRITTEN CONSENT OR PERMISSION.. THEY NEED TO BE REMOVED ASAP AND CONTACT ALL CREDIT AGENCIES AND HAVE THEM REMIVED FROM THERE SYSTEM ALSO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have a reported debt on my credit that originated from XXXX XXXX XXXX ( XXXX XXXX ) I had moved out due to numerous floods in my bathroom and kitchen and other maintenance issues resulting in heavy damages. in almost 2 years I had over forty documented maintenance request. The grounds had also become extremely unsafe which resulted me in trying to defend myself. Despite numerous request to transfer units being denied by the office we moved.Shortly after a shoot out ensued making the news. I have encountered many different alleged balances to which I have tried to resolve with the apartments themselves who referred me to their corporate office. I have called the corporate office requesting a call back to discuss the matter hundreds of times and no follow up. I have requested the collections agency to validate this debt for me and they have failed to do so.
Product: Debt collection

I saw advertisement XXXX XXXX  for special promo, so I called and asking benefits for treatments. 

They were really nice and took me to online consulting with RN, they guarantee my problem will works with promotion deal. 

They told me price and payment plan, she said she will transfer dep for payment plan. 
Ally  went through for payment plan, they promised I can cancel anytime if Im not satisfy treatment then stop pay right away.

My XXXX  XXXX XXXX XXXX and Dr told me I have to purchase this and that,,,, I wasnt comfortable they are start selling things and asking more treatment. 

My XXXX  not getting better so I stopped after XXXX  session, then I told them Id like to cancel service anymore because Im not happy getting worse.

So I asked them same time I dont need to make a payment they said yes. 

After few month I receive payment still I was ignore I though they might not process yet But kept going so I contact XXXX XXXX then they said call ally, I called ally  explained, first time they said they will look for whats problem. 
It wasnt helpful. 

I called again after month and complained. 
Lady was really nice to see more detail and filed complain.

Then I got this collection.

When I cancel they didnt tell me any of detail I still going to make a payment and how much.

I dont receive any email or later for cancellation and price will be changed. 
XXXX XXXX  lady told me we could offer credit for any other treatment, but when I called them to cancel no one offered me she said Im so sorry.

They said on the phone processed cancellation.

I complained XXXX  because there are no communication whats so ever from ally  besides asking me to pay, no communication from XXXX XXXX. 

Very very disappointed.
Product: Student loan

I was called by the South Carolina Student Loan in XXXX, SC XX/XX/XXXX. The representative name was XXXX. When we talked XX/XX/XXXX, I stated to her that I had a lawyer that was consolidating all of my loans ( private and federal ) no where in the conversation did she state that private loans could not be consolidated. My lawyer had told me prior to me and her talking that private loan companies will tell you that because it is more work to consolidate private loans than federal loans. Nevertheless, when XXXX and I talked, I stated that I would TRY and make a payment on XX/XX/<YYYY> of {$44.00} until my lawyer gets all my consolidation paper done. She said okay and that was the end of the conversation. So today ( XXXX XXXX, 2016 ) XXXX calls again and said that I did n't make a payment on XXXX XXXX and I needed to make a payment today. I told her I did n't have the money to make the payment today and she went in defense mood after that. She became very argumentative. I reminded her that I told her in our previous conversation that all my loans were getting consolidated. She then stated that private loans could not get consolidated and she told me that in the previous conversation over the phone. I said no ma'am you did n't and I even recommended her to pull the phone call because all calls are recorded. She dismiss what I said saying no she told me in the previous conversation about all of that and I needed to make a payment today. Do to the fact that I will not go back and forth with a representative that is suppose to be acting in a professional manner at all times, I then told her I wanted to talk to someone else over her to resolve the issue. At first she told me that her supervisor was not in and I had to wait until they called me back and I did not accept that because I know there is a supervisor over you that is working today. She then put me on hold and transferred me to some one that said he was the vice president. So when he ask me what was wrong I asked did she not tell you but I would be happy to tell you what is going on and why I want to complain and speak with someone else. He interrupted me in the middle of my sentence stated that I was calling him a liar because I said she had told him was the issue was. I said no but he became very argumentative towards me also. When I got a chance to talk I tried telling him what the issue was but he was n't trying to here it he said it was in the notes what she said and I then asked for the call to be pulled because I would like to hear it and he continued to not listen to what I had to say. Now, I it was in the notes why did n't the rep tell me this her self instead of fussing a me telling me she know what she said. He continue to get loud with me stating it was in the notes and I 'm saying no sir it is not. Then he hangs up in my face. I was not asked when could I make the payment nor was the issue taken care of. Not that I 'm not trying to pay, I just recently made a payment on XXXX XXXX of {$130.00} and I was not able to do the other payment that I said would TRY to make. I feel I was not heard on this call and my considerations was not taken in to count.
Product: Credit reporting or other personal consumer reports

I am writing to express my ongoing frustration and concern regarding the presence of fraudulent items on my credit file, despite our repeated attempts to rectify this issue. 

I urge you to conduct a thorough and expedited review of my credit file and the procedures and systems used by your organization to manage credit information. It is imperative that we implement robust controls and enhanced monitoring mechanisms to prevent the recurrence of such incidents in the future. 

Additionally, I urge you to provide clear and timely communication regarding the steps being taken to address this concern and provide me with regular updates on the progress made in resolving this matter. Transparent communication and proactive engagement are essential in restoring trust and confidence in your organization 's handling of my credit information. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$3100.00} ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX  XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$3100.00} ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

I have submitted my remittance coupon to the credit card company according to UCC 3-603, Tender of Payment, and they have refused it and have not returned the coupon to me either which would mean that the coupon was accepted by them and the debt is now XXXX and I should have access to use my credit card. This is discrimination toward me.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Account number : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX : Dear XXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill and a letter from an advocacy group helping me due to XXXX XXXX debt Bondage which falls under trafficking, according to Trafficking-Debt Final Rule 1002.142 ( b ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable its which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b6 ).
Product: Mortgage

Hello, I am looking for an attorney to review my realestate case.
I had been working with NACA, ( counselor : XXXX XXXX ),, Which is funded by HUD. They promise no down payment, 3.5 % interest rate, no closing costs and poor credit ok and loans up to 150 % of appraisal to make improvements. ( I lost all my rentals and my primary house in XX/XX/XXXXhousing crises/ predatory lending and was forced to file bankruptcy ) I bought a house on land contract with {$3000.00} down and 7 % interest, ballon in 5 years which was XX/XX/XXXX.
You have to go to pay for membership with NACA and go to meetings, volunteer and complete extensive paperwork. I completed my paperwork beginning XX/XX/XXXX and completed in XX/XX/XXXX I was promised my loan info would go to under writing and within 10 days I would hear back of closing. As far as I know my loan never went to under writing. I have called left messages, sent emails then complained to Member services and then received an email asking for updated bank statements. Now the office does n't even answer my calls or respond to email. I do n't know if I am being discriminated as throughout the whole process I have not seen another XXXX.
My landlord is stating he will be forced to start legal action. Now I am being forced into getting a loan thru XXXX XXXX ( who is a cousin of my land lord ), with high interest rate with several thousand in fees and no additions money to fix and insulate this house.
I appreciate any help you can give me. Please call/email once reviewed.
Thank you for your help in advance.
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my comsumer reports and noticed that I had XXXX late payments on an account that was never late for consumer reporting agencies have assumed a vital role and I have a responsability to report consumer information to the best of their abdity with maximum accuracy I have never been late on payments for the account ( XXXX XXXX XXXX ) ( XXXX ). Please investigate and provide proof with statements showing that these payments were late, If proof can '' t be provided I demand these payments be update to on time as they should be as never late. Thanks.
Product: Credit reporting or other personal consumer reports

I checked my personal consumer report which I acquired from your organization and I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint XXXX which is attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number
Product: Checking or savings account

My wife and I received a charge on our checking account for {$190.00} on XX/XX/2023. I contacted my bank ( WSFS XXXX ). I advised bank this charge was fraudulent, The bank told me I would have to wait to 90 days for a resolution and that I should call merchant for refund. I tried to advise bank fraudulent charge, so why do I have to call the merchant? They said because merchant told them was authorized charge, so no refund at this time. Of course the merchant would tell them the charge was authorized they want the money they fraudulently took from our account. The bank, however could not tell me if they had a signature from my wife, they said do not have to have a signature if purchase made online. I then asked if have recording of order being made, they again said does not matter they do not have to have one, So as a consumer how can we protect myself against this?. My bank refused to refund my account the fraudulent charge of {$190.00} yet this is clearly a fraudulent charge. Can you please help we live paycheck to paycheck and can't afford to loose that money.
Product: Mortgage

I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX XXXX with no successful resolution. XXXX, XXXX  and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX / XX/XX/XXXX.