23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Summary of Complaint : I am submitting this formal complaint regarding the lack of a properly recorded mortgage assignment for the property located at XXXX XXXX XXXX, XXXX, NY XXXX. Based on a review of the XXXX XXXX XXXX XXXX XXXX XXXX, there is no recorded assignment of the mortgage from USAA Federal Savings Bank to XXXX XXXX XXXX ( XXXX XXXX XXXX ) via MERS XXXX 

Despite this, XXXX XXXX is attempting to collect a debt without proper legal assignment or standing. Additionally, XXXX has failed to correct inaccurate credit reporting despite being provided with proper documentation of a XXXX balance on this mortgage, as reported by XXXX and XXXX. 

Legal Issues Presented : Failure to Record Mortgage Assignment in XXXX XXXX XXXX XXXX XXXX New York Real Property Law ( RPL ) 291 & 321, a mortgage assignment must be recorded to be legally enforceable. 

No recorded assignment exists from USAA to XXXX XXXX through MERS. 

MERS has failed to confirm that XXXX XXXX is a properly recorded assignee. 

Fair Credit Reporting Act ( FCRA ) Violations 15 U.S.C. 1681 XXXX has failed to update my credit report despite receiving a Notice of Data Breach and Identity Theft Affidavit. 

XXXX and XXXX have already reported the mortgage as a XXXX balance, but XXXX has not complied. 

Fair Debt Collection Practices Act ( FDCPA ) Violations 15 U.S.C. 1692 XXXX XXXX Mortgage is attempting to collect a debt it has no legal standing to enforce. 

No valid mortgage assignment has been produced, violating consumer protection laws against deceptive debt collection. 

Violation of New York General Business Law ( GBL ) 349 Deceptive business practices are prohibited under NY law.

Failure to provide proper assignment records and continued misrepresentation of debt validity constitute a violation.

Requested Actions : A formal Notice of Assignment from the XXXX XXXX XXXX XXXX confirming whether XXXXXXXX XXXXXXXX was legally assigned the mortgage via MERS. 

Immediate correction of XXXX inaccurate reporting to reflect a XXXX balance consistent with XXXX and XXXX. 

A full investigation into XXXX XXXX legal standing to collect on this mortgage. 

An official CFPB inquiry into MERS failure to provide transparent documentation of assignments. 

Supporting Documentation : MERS Letter and Qualified Written Request ( Sent to XXXX XXXX ) Notice of Data Breach ( XX/XX/year> ) Identity Theft Affidavit ( Filed with the FTC and Police Department ) XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & Demand for Correction Correspondence with USAA Confirming They Originated the Loan and Have Reported a XXXX Balance Conclusion : I request that the CFPB take immediate action to ensure compliance with federal and state laws regarding proper mortgage assignment, credit reporting accuracy, and fair debt collection practices. If this issue is not resolved, I reserve the right to pursue legal action for violations of FCRA, FDCPA, and NY State Business Laws. 

I appreciate your prompt attention to this matter and request a written response regarding the steps taken to address my complaint.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report there was an account XXXX XXXX  account # XXXX opened XXXX XX/XX/XXXX that was removed on XX/XX/XXXX I want to state in my prior complaint i stated negative accounts on my consumer report so there should not be an excuse or confusion of this account being the same number as another account. I can provide prior months Experian credit reports with only this account having this # no other XXXX account on my file were showing this number. Within the past few days sense then, the account still remains on my file and has not been updated. FCRA LAW Experian is in violation of 15 U.S. 1681 i ( b ) ( ii ) Procedure in case of disputed accuracy. Under no circumstance once an account is removed, they can not place an account back on my file. I intend to pursue ligation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter, as well as copies of the three written letters, sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending ligation provided you fail to comply with this offer of settlement. I will be providing you copy of the notification of this account being removed.
Product: Mortgage

I refinanced my home on XX/XX/year>. After closing, I was unexpectedly required to pay {$2100.00} upfront for home insurance. This cost was not included in the closing disclosure or settlement statement, which caught me off guard. Since this is my first time getting a mortgage, I was under the impression that all costs were accounted for, especially since I asked multiple times to ensure everything was ready. 
When I raised this issue with my mortgage broker, he explained that they hadn't received the invoice from the insurance company in time. However, I believe they should have anticipated that I would need to fund the home insurance policy upfront, and this should have been communicated to me before signing the mortgage. It appears that they moved forward without confirming the prepaid insurance amount, leaving it out of the disclosure and settlement statement without informing me. 
I only found out about this when the insurance company contacted me, stating that I needed to pay the {$2100.00} to prevent my policy from being canceled. The insurance agent confirmed that this prepayment was included on the invoice before I received the closing disclosure. Given that this is my first mortgage experience, I feel misled and am now concerned about any other unexpected costs that might arise from this transaction.
Product: Mortgage

During XXXX, I paid total escrow of {$34000.00} to AmeriHome Mortgage Company , LLC ( AmeriHome ). 
During XXXX, AmeriHome disbursed {$12000.00}. My closing XXXX XXXX ) escrow balance was {$15000.00}. AmeriHome states that the escrow balance is not a surplus and continues to demand a monthly escrow amount, for XXXX, of {$1700.00}. 
I have called AmeriHome to request an explanation of why I do not have a surplus and why am I being required to continue paying monthly escrow during XXXX. The representative told me he could not answer my question but will have a supervisor call me. It has been over 2 weeks and I have not received a call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. I have reported this to XXXX several times and they wont remove the following items World Finance and XXXX XXXX XXXX. 
I have sent in police reports and Identity theft affidavit. They will not remove.
Product: Bank account or service

I been a customer of rush card since 2009 I never had a problem until now I XXXX XXXX to my account now XXXX weeks later my account balance is XXXX I call every other day and they take my information and say they will call me back but no call
Product: Debt collection

Debt recovery solutions has recently purchased a debt. They are reporting this account ( Account # XXXX ) to my credit bureau erroneously. I have requested documents to verify the original date of delinquency, and have yet to receive them. The date of delinquency that this company is reporting is incorrect. Which provides evidence that they are in violation of the FCRA. Reporting and renewing the effective date. Also, I never received any type of notification in writing prior to this account being reported to the credit bureau. I demand that they have this account deleted from my credit report immediately. If this matter isn't resolved in a rapid manner then you will leave me no choice but to contact my legal counsel in this matter. I want to resolve this matter amicably. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 over 30 Days now when I submitted the letter and documents for an unknown and inaccurate account. I was a victim of an Equifax data breach. Immediately delete those accounts or I will file litigation.
Product: Credit reporting or other personal consumer reports

I have been trying to communicate with the bureaus to get XXXX account deleted from my file. I have been explaining that I am a XXXX XXXX XXXX I am a XXXX XXXX XXXX and I fortunately survived. However, I checked my report, I am trying to get back up but I see items on my report that are not mine. These items are a result of identity theft due to XXXX XXXX problem I had. I am asking your agency to help me out. I have to clean my file, so I can move on but the bureaus are giving me a hard time. Can you please intervene and get these items removed. I appreciate your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite several written requests, the ITEMS stated below continue to appear on my credit report, in violation of the FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the period specified by law, they failed to adequately investigate the situation by using a third party as their verification provider, and they continued to report unconfirmed and unverified information. Given my attempts to address it directly with three CREDIT BUREAUS, they are intentionally negligent and in violation of federal statutes, and I need this situation resolved soon. Please delete the following elements from my file : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$3800.00} ; XXXX  XXXX Balance : {$13000.00} ; XXXX  XXXX Balance : {$1400.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Student loan

With this school the lies started at my first meeting with school representative. I am now XXXX and had taken early retirement I attended XXXX from XX/XX/XXXX to XX/XX/XXXX. I had been looking for work but my age presented a problem. So I thought if I could obtain some It training I would be more job worthy. I applied at XXXX. I wanted to take XXXX but they said that class was no longer available. XXXX things that were deceptive. I was told cost for class was {$9000.00} which I assumed was a year. But it was per semester. also they always filed the student loans for you all I got was confirmation that the loan was approved. When that money was not enough the school would allow you to take out a loan with them. But this loan had to be paid back immediately where as the Fed Loan gave you 6 months after graduation to begin payments. But they never told me that because I assumed all the loans would be handled the same way the school loan went into collections. I have since paid it off. I personally asked the professor in assembly if the school was accredited he said that it was. I learn now that 's not the case. I really feel bad for the Vets alot of them when there to get their " paper '' saying they have an XXXX degree. I was contacted by a representative of XXXX XXXX XXXX XXXX. stating they could have my remaining debt of {$13000.00} completely eliminated and get the {$10000.00} I have paid into my student loans returned for the small fee of {$990.00}. Is this leget? Been scammed once dont want to go through that again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is reported on my credit reports and is not mine asked for validation of debt and there has been nothing provided other then copies of statements which doesnt validate this debt as mine XXXX XXXX XXXX showing on reports as account number XXXX I included copy of report
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a hard inquiry from XXXX XXXX I never did business with that creditor before.
Product: Student loan

I am working towards PSLF. My servicer is XXXX. I made my 120/120 payment to qualify for PSLF XX/XX/year>. I have continued to make qualifying payments XX/XX/year>XXXX  and XX/XX/year>. My payments have only been counted through XX/XX/year>. Months following this date are completely unaccounted for on studentaid.gov ( they don't show as eligible or ineligible, just no data after XX/XX/year> ) and therefore they are not processing my forgiveness. I have submitted multiple PSLF certifications, reconsideration requests, and complaints to studentaid.gov including the documentation of payments, without resolution or explanation.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provided the names and business addresses of each individual with whom you verified the above, so that I may follow up. 

Please forward me an updated credit report after you have completed your investigation and corrections.
Product: Checking or savings account

When you use ur debit card, ach withdrawals or withdrawals even deposits they arrange the transactions causing you overdraft the account and charge a fees.
Product: Credit reporting or other personal consumer reports

Im certain that I always pay on time, yet I see late payments reported for some months. Under USC 1666b, any billing error must be corrected, showing the payment as agreed.
Product: Debt collection

I received a letter from Rent Recovery Solutions LLC attempting to collect a debt in the amount of {$3600.00} under the reference number XXXX dated as of XX/XX/. I have called Rent Recovery Solutions and spoke about the representative that I am not aware of the debt that was represented as lease payment and I have moved out from the apartment more than a year ago. I disputed the debt collection and asked to recceive additional information so I can better understand what is the issue and why the lease is claimed not to have been paid. The Rent Recovery Solutions LLC took a note of that and said to send me that information. 

I have not received any written or electronic communication about the clarification of my dispute or any other information. Despite that, the Rent Recovery Solutions LLC proceeded to put a negative mark on debt collections to the credit agencies. Despite the fact that they not provided me any information about the debt and that the dispute as it states in their letter will stop the collection until they send me such information. 

I have been trying to talk to them about it but only get referred to a manager who is not returning the voicemail and / or is never in the office. The non-manager representative admitted that there was no information sent and that the collection should have been stopped. But no one wants to deal with removing the credit collection remark from my credit agency statements. It really is frustrating and stressful that they are not following their own procedures and the regulation of the federal laws to provide me information and during a dispute stop collection efforts which I have the right to. I hope we can get that someone can take a look at that case and advise me what to do. I have also reached out to the credit score companies and made a dispute about that as well.
Product: Debt collection

This is my second time this has happened to me, the first time I did not receive anything and I saw it on my credit report and I filed a compliant with CFPB and thanks to them I was able to fix it. Now I am receiving another letter from a different law office stating I owe them {$260.00} from a medical lab from XXXX XXXX XXXX XXXX, I called them and told them that I do not owe anything that everytime I would get lab work I would pay my copays and if any balance I would pay. They say I have two accounts with them one for {$30.00} and another for {$230.00} totaling {$260.00}, they said I need to call my insurance company and they would help me, I do not have that insurance company no longer and I called them and they said all my copays were paid and to their knowledge I paid all my balances, I have never received no letter from XXXX XXXX if not I would have called. I do not wish this to affect my credit when I do not owe anything, I hope CFBP can help me with this. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several fraudulent accounts and unauthorized inquires on my credit report that doesnt belong to me. I havent been checking my credit report in several years and I see that these accounts have been on my credit report for over 8 years and should not be on my credit report at all after 7 years. These accounts are fraudulent and derogatory and is preventing me from buying a house and moving with my family.
Product: Checking or savings account

XXXX JP Morgan Chase Tx Identity Theft XX/XX/2019 I have NO knowledge of this Chase account. Reporting it as Identity Theft.
Product: Credit reporting or other personal consumer reports

I continue to make request to experian to delete old information on my credit report. My credit acceptance account was deleted and then reinstated.Experian is in violation of numerous consumer laws. this is getting repetitive.i also have a XXXX XXXX inquiry on my report. the credit acceptance account if paid and closed, so the question is why is still on my account as potentially negative?
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE FILED A DISPUTE IN REGARDS TO INCORRECT ITEMS ON MY CREDIT REPORT. ITS BEEN WELL OVER 30 DAYS AND I HAVEN'T RECEIVED ANY RESULTS.
Product: Credit reporting or other personal consumer reports

My school loans with Navient have been discharged since XXXX of this year. It is reporting closed on every report except XXXX. I have tried to dispute several times and it says it comes back accurate. I have called Navient several times and they say they will report it and never have.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

To following information on my credit report is the result of identity theft and should be blocked : XXXX bank XX/XX/XXXX XXXX federal credit union XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax Information Services LLC has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine.

I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Money transfer, virtual currency, or money service

XXXXam filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

There are unauthorized hard inquiries on my credit report. I've requested remove and they have yet to be removed. Please see below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Launch Servicing LLC is reporting that I took out a Student Loan. I did not. what they are reporting is a shared income agreement that I made with XXXX XXXX. This is not a Student Loan but they are reporting it as if I borrowed money and I did not. I agreed to pay XXXX XXXX some of my income but only if I make over a certain amount per year and I do not make that much per year so I do not owe anything at the moment. I never borrowed any money. It says right on the top of the contract " THIS IS NOT A LOAN OR CREDIT '' but they are reporting as though it is. I attempted to dispute this with the credit bureaus but they said that to reporting party certified it was accurate. That is not an investigation at all. I did send them the contract that said this is not a loan or credit but they seem to ignore that factor and they still have it reporting under Student Loan. Since this is not credit or a loan its does not fall under the same consumer laws. It should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was in bad terms and i set up payment arrangements to come up to date on payments. The payments were made on time but account was still closed without any notice. The dates on all three credit bureaus are showing different account dates and reporting inaccurate.i disputed through XXXX XXXX and XXXX and no change was made.