23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This is a follow up complaint to a previous claim ( # XXXX ). My mortgage was discharged in a bankruptcy XX/XX/XXXX. Since XX/XX/XXXX I have been trying to sell or transfer title of my cooperative apartment. I vacated the premises in XX/XX/XXXX and was refused an apartment because Chase was still reporting to the credit bureaus. I submitted title transfer paperwork XX/XX/XXXX for a Deed in Lieu of Foreclosure ( DIL ), and due to multiple unnecessary delays by Chase bank, third party inspectors, appraisers, Fannie Mae, and the bank 's attorney, I had to start the application process over from scratch XX/XX/XXXX. I have encountered several continued hiccups in the meantime, finally leading to the DIL application getting re-approved in the Fall. However, since XX/XX/XXXX I have been prepping for a closing by submitting monthly cooperative maintenance payoff letters and regularly following up with my assigned DIL negotiator. No progress has been made on my file since XX/XX/XXXX. 
I recently received a letter in the mail stating that the mortgage has been assigned to XXXX XXXX XXXX as of XX/XX/XXXX. Under separate cover that same day I received a mortgage assistance application from Chase. When I spoke to my DIL negotiator about these XXXX pieces of mail, and asked whether I 'd have to start the DIL process over again, she said she " did n't know, but I might have to ''. Why am I potentially starting the process over again? why does n't she know? and why does the new assignee not have a record of this mortgage being discharged? I subsequently received another loan assistance application from Chase stating that my mortgage is now more than 30 days past due. It was discharged in XX/XX/XXXX. At this rate, they will start reporting to the credit agencies again. Chase does not seem to have clue about how to handle my account, and they do not have any intrabank protocols or quality assurance practices in place to make sure that they are informed about the status of their mortgages before reaching out to borrowers. 
I need to know from the CFPB what protections, options, and alternatives I have to get this matter finalized after 2.5 years. Chase has entered into a new relationship with an assignee that could further damage my credit since they still think that my mortgage is active. The only open matter at this time is a transfer of title, not collection of a debt, which the new entity does not seem to be aware of. Once they become aware, they may have a completely different process for closing this aged file, and accepting title to the apartment. Do they even have the authority to do this?
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a credit card with XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX. All payments were paid as agreed every month except for XX/XX/XXXX. This was due to a medical emergency that I experienced that put me in the hospital for XXXX and a half weeks. I was unable to make arrangements with XXXXXXXX XXXX XXXX due to my hospitalization.
Product: Mortgage

The response has NOT answered my questions : 1. When XXXX XXXX locked the rate for me, he confirmed that the rate is locked to XXXX XXXX, he did n't tell me the credit only is effective till XXXX XXXX. It is his fault. Also, when I pushed him and XXXX to process the loan ASAP because the commitment letter will expire on XXXX XXXX. He told me " Do n't worry, I only need to repull my credit, you do n't need to do anything else ". he did n't tell me it would effect my rate and the point. Whose fault? 2. XXXX and XXXX did n't pick up my phone, seldom answered my email. I did n't get any repose. Then I cc  emails to XXXX 's supervisor, and then XXXX replied to my email. XXXX appeared. He sent me an email '' Dont send email to managers '' I answered '' Because you do n't answer my emails, so many emails. I have to cc emails to supervisor. Otherwise, I will not get answer till next year. '' Your ignorance resulted my house close after XXXX XXXX. Your fault.
Product: Debt collection

This is about XXXX XXXX XXXX in XXXX, XXXX 
I contacted them and requested a copy of the purchase agreement of the debt, insurance claim of the debt, the XXXX of the original creditors, and the statue of limitations & last payment of the debt which was for XXXX XXXX XXXX XXXX 
This debt was paid XXXX  years or so ago. They couldn't provide anything and hung up on me. 
For the past few months they have been reporting this as a new debt every month, which is bringing my credit score lower & lower every month. This is an old debt which has been paid off but they keep reporting it as a new debt EVERY month. Last date of reporting this old debt as new was XX/XX/year>.
Product: Credit reporting or other personal consumer reports

I have duplicates reports on my Equifax Credit Report.
Product: Debt collection

A company called Durham and Durham sent me a letter a couple of months ago about a bill that I was unaware of. I sent a letter to them requesting validation of the debt in XXXX through certified mail that the company received on XX/XX/2021. I did not receive validation of this debt. However, the company sent me a typed out letter filled with typos and also that included a HIPPA violation with a procedure code and diagnosis code. I am not sure how they received this information, but this is definitely a HIPPA violation of my privacy rights. I have attached the document to this complaint.
Product: Debt collection

I'm Requesting Debt Validation properly this time. Please Refer to the attachments According to 15 USC 1692g I'm Ask for debt Validation 1. I want you to send me a detailed list of the history of payments made by me on this account 2. I want to see the signature that I put on a contract guaranteeing that I would pay this creditor 3. I am asking to see has there been any insurance claim found on this debt 4. I want prof You have the chain of title to collect on this debt
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls undeXXXX XXXX  according to XXXXDebt 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 am a XXXX XXXX XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. 

Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account have absolutely NO MERIT and should not be on my credit report due to the nature that theyre fraudulent. I have enclosed all the information needed to furnish a permanent block on my credit report. 

The account with XXXX XXXX  and the account with XXXX XXXX XXXX for {$2500.00} that was sold to XXXX XXXX XXXX are both fraudulent and under the FCRA 2009 ( a ) should not be reported due to the nature theyre fraud. Also under the FDCPA ( Fair Debt Collection Practices Act ) XXXX XXXX XXXX MUST contact the original owner of this debt and inform them of the information furnished and that the account is fraudulent.
Product: Credit reporting or other personal consumer reports

This letter is in response to your recent claim that XXXX XXXX XXXX XXXX have verified that the account they are reporting under my name is accurate. 

I challenge the accuracy, compliance, and report ability of this listing. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within ( 15 ) days of the completion of your re-investigation. 

Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification in unacceptable. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. TransUnion Corp., XXXX. XXXX ( XXXX, XXXX ), you may be liable for your willful non-compliance. 

More case law of non-compliance, Cushman v. Trans Union Corp., XXXX. XXXX. 

I remind you that, as in XXXX v. XXXX, XXXX. XXXX ( XXXX XXXXXXXX XXXX XXXX XXXXXXXX ), you may be liable for breaching your duties to maintain reasonable procedures and to reinvestigate under the FCRA. 

XXXX v. XXXX XXXX ( now XXXX ), XXXX XXXXXXXX, you may be liable for taking an unreasonable long time to reinvestigate a dispute and failing to delete inaccurate or unverifiable information. 


Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violations of the Fair Credit Reporting Act
Product: Money transfer, virtual currency, or money service

On or around XX/XX/XXXX, my personal information including but possibly not limited to my name, address, phone number, and social security number were submitted to Wise.com, which I understand is a money transfer service. 

Upon verifying that I did not nor have ever done business with Wise.com, I contacted them to request that my all of my personal information be deleted and any accounts open be closed immediately. 

Wise responded that banking regulations require they keep my personal information for 6 years. I explained that I have conducted no transactions with Wise.com and did not authorize their retention of my personal details, and therefore the regulations they are hiding behind do not apply to me. I further explained that I had my identity stolen via the XXXX breach several years ago and that it is critical that my personal information only reside with companies I do business with. Wise continued to hide behind bank regulations, presumably XXXX regulations, which simply do not apply in this case.
Product: Credit reporting or other personal consumer reports

Ive disputed the validity of this debt. The company refuses to remove this debt although theyve provided no information for debt validation and/or debt verification. A collection company is also reporting this debt. The amounts are between this creditor and the collection company dont match and neither have been validated. This is a clear violation of 15 U.S.C. 1681 ]. ( a ). Account XXXXXXXX  should be promptly removed to prevent further damages related to the FCRA violation. The information in incorrect. It hasnt been validated. This company and the collection company are report different information for the same account. This account has already been removed and block by XXXX.
Product: Student loan

RE : I receive unsolicited call from Navient to employer, creating a hostile work environment Date : XX/XX/2019 Time : XXXX Issue : Navient continues to try to establish contact with my employer regarding a student loan. Navient also engaged in exposing personable identifiable information. This is a violation of the consumer protection act. Navient has been advised and issued a formal notice of this particular illegal practice/action many times before but continuing to proceed and completely disregarding the checks and balance. 

Please be advised-
Product: Credit reporting or other personal consumer reports

Why am I still receiving emails from the bureaus claiming Im assisting credit repair companies? This is incorrectI send the letters myself. Take action now, or I will pursue legal action. Here is the list of negative accounts and inquiries I want addressed. 

Equifax : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$590.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX : XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX {$590.00} XX/XX/XXXXXXXX XXXX XXXXXXXX Account Number : XXXX {$170.00} XX/XX/XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX {$0.00} XX/XX/XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX {$590.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX Account Number : XXXX {$0.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am sending to formally notify you that I am a victim of identity theft. As provided under Section 605B of the Fair Credit Reporting Act ( FCRA ), I request the removal of the following erroneous information from my credit report, as it is related to fraudulent activity and was not authorized by me. Please refer to the attached Identity Theft Report ( # XXXX ) for documentation of this matter. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$21000.00} XXXX BANK XXXX Balance : {$880.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$5200.00} XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXXXXXX Under FCRA Section 605B ( a ), I am requesting the removal of the above-listed items and other associated fraudulent information from my credit report. This request is made in accordance with the FCRA 's requirement that Equifax take action within XXXX business days of receiving this notification.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices which violates the Consumer Financial Protection Act ( CFPA ). Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Their dispute resolution process was in fact unfair and deceptive, the didnt comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. The actions have caused massive inconvenience and financial loss. For that, Im seeking appropriate repayment for these violations.
Product: Debt collection

XXXX XXXX XXXX XXXX allowed someone to open a fradulant account Using all of my personal information with out verification. I notified them of this and filed police reports. they turned my account over to Sunrise credit who has been reporting this since XX/XX/2019. They refuse to remove this from my proflle.
Product: Debt collection

I have noticed this company lvnv funding LLC on my credit report. I have attempted to dispute this with XXXX several times. I have seen conflicting addresses to disputers with LVNV funding so I have called. I was told to send it to a XXXX XXXX XXXX. Lvnv funding is reporting two accounts on my XXXX and XXXX credit reports under the name XXXX XXXX one in the amount of {$1600.00} the other in the amount of {$1200.00}. I have asked for validation of the debt. I have received nothing. I have received two different statements from LVNV funding threatening to take me to court and sue me for the amounts listed. 
I LVNV funding to provide me with the proof of the money that they say I owe what it is for. Explain to me and show me how you calculated what I owe. Provide me copies of any papers that I showed I agreed to pay you what you say I owe. Provide a verification or copy of any judgment if applicable. Identify the original creditor. Provide the statue of limitations has not expired on this account. Provide proof that you are licensed to collect in the state of texas. Provide proof of your license numbers and registration agent. 
I have received no information from this company. I have no signed contract or dealings with this company. From my understanding it is a violation of the Fair credit reporting act and violation of fair debt collection practices for this company to falsely report that I owe them any money. I have contacted XXXX several times to explain I have no dealings with this company and XXXX refuses to remove this from my credit report.
Product: Mortgage

We have other complaints ongoing regarding PHH @ loan # XXXX that are still unresolved. This complaint is regarding the property taxes that are payed with our mortgage payment as terms of our approved loan modification. XXXX paid the property tax payment due XXXX XXXX XXXX. We had our check for the taxes returned from XXXX County with a letter saying the taxes were already paid. The loan was transferred to PHH and they did not pay the XXXX XXXX XXXX installment in violation of the approved loan modification. All trial payments were made on the date they were due. I am attaching a letter from PHH that we are being charged for the taxes in an escrow acct. this fraud. I am also attaching a letter from PHH dated XXXX XXXX th. stating they are honoring the plan when they receive the final trial payment due XX/XX/XXXX.When they wrote this letter the payment had been in their bank since XXXX XXXX XXXX, .over two weeks earlier than the letter .PHH has also sent back our XXXX XXXX payment and all future payments. I have made numerous phone calls to XXXX XXXX with PHH who signed the XXXX XXXX th. to no avail. She keeps telling me to have patience that it will be worked out. I have no confidence in this firm to get this resolve without legal help to protect us. This is affecting our families health and well being.
Product: Debt collection

Ive been dealing with this company called Keith D Weiner and Associates about a debt owed from the city of XXXX about taxes. It started in XX/XX/XXXX when I agreed to make monthly payments to this debt. I ran into some financial troubles and was unable to pay on some of the months. The company tried to garnish my wages quite a few times and we unsuccessful due to me making not enough money. So in XX/XX/XXXXI got a letter in the mail regarding another garnishment and I immediately called the company to ask why. The call was answered by one of their employees by the name of XXXX XXXX XXXX, I told her the reason I was calling was in regards to the letter of garnishment and she told me I didn't make a payment in a long time and I told her that I kept sending in money orders which were returned to me with no explanation why it was returned. She told me that this debt was over 4 years old and that I should be making every attempt to pay this off. Well I then stated that I don't make enough money and she said well you have 3 jobs and I should be able to. She then said that if I were you I would feel embarrassed that I cant pay my city taxes because she is a tax payer herself. I told her that the last communication I seen was they tried to garnish wages at a place I was no longer employed at and her response was that she cant help it I change jobs all the time. She hung up on me and I recalled and wanted to speak with a supervisor. He answered and never apologized for her rude behavior but told me to send in whatever I could do ... .. I feel that her behavior clearly violates the fair debt collection act. I would like her to either apologize to me or I will take further legal actions against her and the the company
Product: Credit reporting, credit repair services, or other personal consumer reports

For the following accounts, Someone went into my trash. and opened an account using my information. I never did this, please remove ; XXXX XXXX for {$270.00} XXXX XXXX  for {$180.00} These do not belong to me, have the bureaus take them off please.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of all accounts below has violated my federally protected customer rights to privacy and confidentially. Under 15 USC 1681. 

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 XXXXXXXX. 
Has violated my rights. 15 U.S.C 1681 section 602 A. States I had the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 In alpha state, a consumer reporting agency can not furnish account without my written instructions.

15 U.S.C 1861c. ( a ) ( 5 ) Section States : Also States consumer reporting agency may make any consumer Report containing any of the violation. Any other adverse itemsof information, other than records of conviction of crime 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 to any consumer reporting agency If the person knows or has reasonable calls to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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