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

RE : Social Security Number : XXXX / Experian Report # XXXX To Whom It May Concern, In XX/XX/2018 I disputed an account report by XXXX/XXXX Account # XXXX in the file maintained by Experian under my Social Security number. 

I was informed in XX/XX/2018 that the item was deleted from my credit report after I disputed it. 

Now I have discovered that the item has been reinserted on my credit report by XXXX XXXX XXXX under account # XXXX referencing XXXX XXXX. 

I am aware in accordance with the requirements of the FCRA Section 611 ( a ) ( 5 ) ( B ) ( ii ), they are to notify me of the reinsertion in writing within 5 business days, however this is being inserted over a year later. I understand the requirements that this be reported to the consumer within 5 days but subparagraph ( A ) states if authorized but the consumer for that purpose, by any other means available to the agency. 

This account was throughly investigate and proven to be opened via fraudulent activity and XXXX/XXXX  was given ample time to respond to the evidence submitted to them. 
Experian deleted this erroneous account - which was also reported previously to the Consumer Financial Protection Bureau. 
FDCPA section 807 ( 8 ) and FCRA section Section 623 ( a ) ( 3 ).  Makes clear that these agencies and debtor have 30 Days to respond to my dispute - not a year and 30 days, I disputed and had this account removed over a year ago after being proven inaccurate, unverifiable, not mine, and incomplete. 

The reinsertion of a legally disputed and deleted item under a debt collectors company on behalf of the same creditor is completely illegal and I hereby demand that it immediately be re-deleted from my credit report. It is a blatant violation of the FCRA & FDCPA I am reopening and submitting my compliant separately the Attorney Generals Office, and the XXXX. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MA XXXX
Product: Debt collection

Fay Servicing is engaging in breach of contract. They have converted my fixed mortgage contract into a flexible mortgage contract. It is a basic breach of contract law. It is also referenced as constructive breach of contract. 

The VA confirmed Fay Servicing does not have authorization from the VA to convert my origination mortgage terms in any manner including but not limited to loan modification, partial claim, capital, or any other method they have falsely claimed in circumvention of the fixed terms of my mortgage. 

This has occurred on numerous occasions in more ways than one in that they attempt to collect debts not owed via misrepresentation and/or misclassification of the originating mortgage terms. 

It is an ongoing issue. As one issue is addressed and/or resolved, they pursue other methods of constructive breach of contract in violation of contract law. 

No specific date or amount is given because it keeps occuring, which is causing a consistent increase in amounts higher than my origination amortization schedule, escrow, principle balance or any other way they choose to constructively breach it by targeting a specific aspect. 

I have no way of predicting what portion of my loan origination agreement they will breach next in attempts to collect unearned amounts. 

This is an alert of their ongoing breach of contract attempts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM AN IDENTITY THEFT VICTIM. I AM WRITING TO DISPUTE THE FOLLOWING ITEMS ON MY CREDIT REPORT. EACH OF THESE ACCOUNTS AND TRANSACTIONS I DISPUTE WERE OPEN AND MADE BY THE THIEF, NOT ME. I NEVER AUTHORIZED, USED, OR BENEFITED FROM THESE ACCOUNTS OR TRANSACTIONS IN ANY WAY.
Product: Mortgage

I contacted Ocwen Loan Servicing LLC 's customer service and their consumer ombudsman since XX/XX/XXXX requesting specifically for a copy of my appraisal report for the loan used to purchase my home back in XX/XX/XXXX because the lender never provided a copy to me that I paid for {$370.00}. I was told the lender would mail my copy but never came. Ocwen Loan sent me a property valuation instead on XX/XX/XXXX. I spoke to Ocwen 's representatives at different times and they knew what I was asking for but gave me something else. It was not an appraisal report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I sent a certified letter to Diversified Collection in reference to them validating a debt. In this letter i asked for the the items that FCRA considers to be valid vaerication of this debt. In XX/XX/XXXX I received a letter from XXXX XXXX staying that they have spoke with XXXX and verified the amount owed. They also include a billing statement of the amount Im suppose to owe. Under the Fair Credit Reporting Act, 15 U.S.C. 1681 this is not a valid way to verify a debt. Under FCRA, 15 U.S.C. 1681 debt validation must include After receiving this letter, I sent another letter certified mail in XX/XX/XXXX. This letter stated that Under the FCRA, 15 U.S.C. 1681 a billing statement is not a Valid way of validating a debt. On XX/XX/XXXX I received a letter from XXXX XXXX with the exact same letter and the exact same billing statement as the letter I received before. By this company refusing to correctly validate this debt, along with continued collection attempts on this debt, and failure to remove this debt from my credit report they have violated my right under FCRA, 15 U.S.C. 1681. It has been more that 30 days since I asked for validation of this debt and Im seeking your help in forcing them to remove this items as required by this act.
Product: Debt collection

On or about, XX/XX/2018 the record shows I mailed XXXX XXXX Notice of Lawful Affidavit with attachments, dated XX/XX/2018 by CERTIFIED MAIL NO. XXXX XXXX XXXX XXXX XXXX as verified by Affidavit of Mailing : TO : XXXX XXXX, ( a living man ) CHIEF FINANCIAL OFFICER NAVIENT CORPORATION XXXX XXXX XXXX, XXXX XXXX XXXX, DE XXXX After acceptance of four mailings, XXXX XXXX refused to send a rebuttal on behalf of himself and or NAVIENT CORPORATION in XXXX DELEWARE. There has been no adjusted and or settlement, nor a notice of dishonor from a qualified third party excusing him refusal, in the ten ( 10 ) days following the second, third and fourth mailing. 

Therefore, based on the foregoing facts, I certify that XXXX XXXX and or NAVIENT CORPORATION in XXXX DELEWARE, has dishonored and I declare lawfully through nonresponse, has thereby agreed and has accepted the presentment along with the obligation per public policy. 

Further, XXXX XXXX ( a living man ) and or NAVIENT CORPORATION in XXXX DELEWARE, agree that their refusal to send the written confirmation or a notice of dishonor from a qualified third party, in no way negates the fact that said case is settled and closed, that he nor their agency has no capacity to pursue on said case, and that further pursuit of case is agreement that XXXX XXXX ( a living man ) and or NAVIENT CORPORATION in XXXX DELEWARE, collectively owe Principal ( a living man ) in excess of {$500000.00} ( XXXX XXXX XXXX dollars ) and that he may take all necessary steps to secure his claim to the debt owed to him and to collect.
Product: Credit reporting or other personal consumer reports

I am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report promptly.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account entry on numerous occasions from the credit bureaus to the company itself. This company began reporting negative information on my credit report in XXXX of XXXX. In my dispute to this company I requested : A summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made, and date of charges posted Copies of all charge slips, invoices, promissory notes, and all other documents proving indebtedness Copies of all documents sent to me regarding my account ; Copies of any papers that show I agreed to pay what you say I owe bearing my original signature ; Cavalry responded with a denial that there were any inaccuracies in their reporting. Actually, there are, I never signed an agreement with Cavalry, nor have I had an account with them for them to report there are terms of 1 month and that I have a past due balance. Further, as of XX/XX/XXXX, the correspondence I received from XXXX and XXXX reflects a different account number for the same account that Cavalry is attempting to collect. Per consumer law, 2 collection companies may not collect on the same debt. How so then is Cavalry still reporting these entries on my report? This is a blatant violation of my consumer rights. Too, why is XXXX XXXX XXXX offering a settlement on an account that is not verifiable? 

For the second account, Cavalry merely sent a Statement of Account that was created on their letterhead. This arbitrary number lacks veracity. Where is the supporting documentation? The one document that was sent reflects a totally different number. Additionally, if XX/XX/XXXX states that a payment was due on XX/XX/XXXX, then how can Cavalry say the charge off date was XX/XX/XXXX? This is an explicit contradiction. It appears that Cavalry has tampered with information and the reporting of accurate information. There is no way that an account can be due with an original creditor 2 days after a 3rd party collection company is reflecting it as a charge-off. THIS IS ILLEGAL!!! Cavalry nor XXXX XXXX XXXX provided the account ledger, nor any other documents to justify the activity, payment history and validate the number they are alleging is owed is accurate. Lastly, Cavalry failed to provide any supporting documentation for the second entry they are reporting on my credit reports in the amount of {$2000.00}? Yet again, they are reporting information that is unverifiable.

This unverifiable entry on my credit reports should be DELETED IMMEDIATELY!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a general complaint about the process to place a credit freeze ( for both myself and my minor children ). 

I object to being required to provide the credit reporting agencies with more personal information about myself and my children than they already hold in order to obtain a freeze. 

I went through the process online and was told that I have to send additional information by mail, including my social security number and a government issued ID. This process is ( i ) not consumer friendly ( takes time, requires access to a photo copier/expense ), XXXX ii ) is not secure and ( iii ) requires me to share information with them that they do not already hold. As has been shown recently, these companies can not be trusted with our personal information. I object to having to provide more information about myself to obtain the freeze. 

The free phone number does not connect you to a person to put a freeze in place, it merely parrots the information available via the website. 

I urge the CFPB to require these companies ( i ) not to charge for this service ; and XXXX ii XXXX to make the process to obtain a credit freeze easier. 

I did not opt in to this system. It is imposed on consumers without their consent. I understand that releasing a freeze may reasonably require additional information to verify identity, however I provided ample personal information to request the credit freeze and was denied.
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 XXXX according to XXXX-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 XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple accounts on my credit report that I dont recognize
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently read through a copy of my credit report, and I noticed addresses, names, date of births, phone numbers and employment and social security numbers listed on there that are not correct. The only address that should be listed is shown at the bottom. There should not be any variations of my name because it is spelled one way and XXXX way only. I have enclosed my ID as proof with my correct address and spelling of my name. Please send me an updated report as soon as you have deleted the inaccurate personal information. 

My full name is : XXXX XXXX XXXX There should be no other names listed. Please remove any others that remain My Social Security Number : XXXX There should be no other social security numbers listed. Please remove any others that remain My Date of Birth : XX/XX/1958 There should be no other date of births. Please remove any others that remain My address is : XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, VA XXXX Any previous addresses are undeliverable, and I have no access to them. Please remove at once. 

My phone number : XXXX There should be no other phone numbers listed. Please remove any others that remain XXXX : NONE, all employment listed on file is incorrect
Product: Debt collection

I am disputing the presence of a fraudulent account on my credit report, despite confirmation of its fraudulent nature and assurances from the bank of its removal. XXXX and XXXX credit bureaus have already corrected this error, highlighting a clear discrepancy in reporting. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I put a credit freeze on all 3 of the major credit reporting bureaus. Jump ahead to XXXX, I want to unfreeze Experian for 3 weeks. I am unable to access a customer service agent as the pre-phone requirements do not recognize and reject all my numbers. 

I need to talk to a customer service agent and can't.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts reporting on my credit report that does not belong to me. I would like a copy of the contract that shows that there was an offer made, mutual acceptance, terms and conditions, consideration and the two wet-ink signatures of both parties who have voluntarily entered into a legally binding contract.I have not received a dunning letter giving me the right to dispute the debt.All negative marks found on my credit report need to be removed because i do not have any contracts with this company and they in violation of the FDCPA and the FCRA. I do not want a copy of a bill because it's not debt validation. As per FTC opinion letter from Attorney XXXX. XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.Further, pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692 ( g ) ( 8 ), as you are merely an agency or other governmental unit of the United States, acting on someone elses behalf, this is a demand that you provide the name of the original principal, or holder in due course, for whom you are attempting to collect this alleged debt.
Product: Credit reporting or other personal consumer reports

These are my repeated attempts to inform you that I've fallen victim to identity theft. I'm raising concerns regarding certain entries in my documents that stem from this crime. These entries are unrelated to any legitimate transactions I've initiated or approved, involving no purchases of goods, services, or money. If indifference persists, I request the removal of any details in my credit record associated with alleged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX udulent activities or extortion.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that need to be UPDATED. The 3 credit bureaus must verify thisaccount under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected. 

XXXX XXXX XXXX XXXX Balance : {$17000.00}
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) 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 f
Product: Checking or savings account

On XX/XX/XXXX of XXXX, five XXXX transactions occurred in my checking account. Three of the transactions were for XXXX dollars, one for XXXX dollars, and one for XXXX dollars ; a total of XXXX dollars. The withdrawals caused my TD checking account to lock due to suspected fraud. TD sent me a message to my phone which alerted me to the transactions. I called TD Bank immediately to address the issue and they suggested creating a claim. I was told I have to wait 10 business days to get a decision. 10 business days later, TD Bank denied my claim stating that they sent text messages to my phone confirming the transactions and that I replied to them confirming it. I informed them that I had not received or responded to any text messages from TD. TD advised me to make a police report and take it to a TD branch. I filed a police report and filed the claim with TD Bank. After another 10 business days, the claim was denied again. I immediately removed my funds from TD Bank due to this security breach. I have not had any issues of this sort previously.
Product: Credit reporting or other personal consumer reports

In accordance with Fair Credit Report Act. The list accounts below has violate my federally protected consumer rights to privacy and confidentially under 15 USC 1681XXXX # XXXX, XXXX # XXXXXXXX XXXX XXXX XXXX XXXX  has violate my rights 15USC 1681 section 602 A states I have the right to privacy 15 USC 1681 604 states a consumer reporting agency can not furnish an account without written instructions 15 USC 1681c ( a ) ( 5 ) section : No consumer reporting agency may make any consumer reporting containing any of the following items of information any adverse item of information other than records of convictions and crimes which antedates the report by 7years 15 USC 1681s-2 ( A ) ( 1 ) Aperson shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that its is inaccurate
Product: Credit reporting or other personal consumer reports

I'm submitting a personal complaint about late payments on my credit record. Upon reviewing my file, I discovered these late payment entries. I sent letters about this issue more than 30 days ago, but I've received no response, and they haven't provided adequate validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an invalid debt collection from XXXX  XXXX appearing on my credit report. 

My contract was up with XXXX, so I went to a XXXX store to get an inquiry on an account with XXXX for a phone replacement and possible service. After receiving the quote, I spoke with XXXX to cancel my existing service. On this call, XXXX made a better offer so I decided to stay with XXXX. I never activated the XXXX or account nor did I get a phone with them that day, but I notified them anyways that I wasn't going to be switching carriers, and I thought it was done. Approximately a month later, and to my surprise I received a bill in the mail from XXXX with my middle and last name. This account showed that it had not been used at all, there was no device activated and in the 30 days the account was activated, no phone calls or text messages were sent, nothing. At that moment I called XXXX and explained the situation, the representative assured me that she would delete the account. 30 days later I received a second bill with the unpaid balance and a new bill for the current month! At that point I went into the XXXX store to speak to the manager, he reassured me again that he would take care of it, but never did. Then, I see a collection pop on my credit reports regarding this invalid debt. This account was opened without my consent, even after I notified XXXX I was not going with their service, and now its hurting my credit. I was well within my right of recision for cellular service, I never activated a device or service. It was obviously an error on their part and I demand this collection be removed FULLY from my reports.