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

XXXX Other reason Looks like you've already filed a dispute for this item Under Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act we won't process a duplicate dispute unless you provide new, relevant information. If you do have additional information, you can upload it here. You can also contact us at ( XXXX ) XXXX or contact your data furnisher for more info on how to move forward. 
Our Experian Dispute Specialists are available to assist you. When calling, use Report # XXXX. 

Account info Account name XXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/2016 Status Closed. {$500.00} written off.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to formally dispute an entry on my credit report, as I believe it was obtained and/or furnished without my written consent, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681. 

The account in question is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$550.00}. 

According to 15 U.S.C. 1681b, consumer reporting agencies may only furnish a consumer report under specific circumstances and must have permissible purpose, which often requires prior written consent from the consumer. I have no record of providing written authorization for [ specific company/organization name, if applicable ] to access or furnish my credit information.
Product: Mortgage

I finally after 10 years of fighting got approved for my modification with Wells Fargo, however they approved me for a modification of {$290000.00} the amount my house was appraised for. The payments are {$1500.00} at 2 % then they go to 3 % after 7year and are fixed. When I made my trial payments of the {$1500.00} they sent me the modification mortgage to sign and the principle balance is now {$640000.00}! My home is not even worth {$640000.00}! I want this investigated. They are committing fraud. I thought this would be over and I would finally get my new modification. Then they send out XXXX payments amounts. I have attached the documents. My name is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Fl XXXX
Product: Money transfer, virtual currency, or money service

Hello! 

Western Union 's customer service has been sent mail, regarding a {$1000.00} money order 3 separate times. The first time was without a notarized document. The second time was with a notarized document but I had the wrong store agent. The last time was with the previous notarized letter and a {$30.00} money order. 

Their reply the first time was I did not have enough valid information ( request returned ). The second reply was I needed a money order to do the research ( request returned ), and their last reply was ; I needed a police report, or something from the money order agent stating I bought the money order ( request returned ). 

Here is my dilemma, the guy was dating at the time purchased the money order for my mortgage and tore it up. I gave him the money to purchase it. I did not purchase it. So going there to get a report, I am unable to do. Getting a police report for a torn money order seems a little extreme.
Product: Credit card or prepaid card

I looked at my credit report. It says I have a {$7000.00} credit card with Wells Fargo. I never applied and was never told accepted. I dont have any information about this in my emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Coinbase insists on clawbacks to my accounts. Their custodial banks refer me Coinbase Support for support but their specialist is unreachable and only sends out automated responses. Much like a robot. It is very frustrating when trying to prove your identity and settle outstanding balances that should clearly be in my favor since all I did was buy coins that went up 30-40 % each. The rest is what they call a compromised account where custodial banks had the privilege of selling and sending my coins to Coinbase without my knowing ; weather or not this was to be profitable to me.
Product: Debt collection

I paid for the internet service provided by XXXX XXXX while working for a former employer ( XXXX ). I was called to duty for the XXXX XXXX  and knew I would be gone for some time, so I called to cancel the service and a representative of the company informed that I can turn in the equipment mailed to me ( for use of service ) in at a certain location, ( Which I did the following day ) and that no charges would be incurred. To my surprise a few weeks later, I started receiving mail saying that I owed money. Then sporadic calls from XXXX representatives, and now nearly daily calls ( sometimes multiple calls throughout the day ) from a law firm of Maury Cobb. I informed them that I wanted them to stop calling, but it has not stopped. These are unsubstantiated charges ; and this minor issue is creating hindrance for me, as I am in the process of looking to purchase a home for my family.
Product: Credit reporting or other personal consumer reports

Recently as I tried to shop around for insurance, I was told that my XXXX  XXXX  shows an open claim ( XXXX ) on my homeowners policy ( XXXX ). Knowing that this was not the case, I called XXXX to ensure that they had closed the claim or give me some sort of explanation as to why it was still open. Over the phone, the adjuster who handled the claim verified that the claim had been closed for over a year. I asked the adjuster to give me proof in writing that the claim had been closed. A few days later I received an email from the adjuster with a letter stating the claim had been closed. In addition to this contact, the originally assigned adjuster also replied to my email inquiry also confirming that my claim had been closed. Given that everyone at XXXX XXXX XXXX claim was closed, I requested a XXXX  XXXX  from LexisNexis to verify the information was indeed incorrect. After confirming the inaccuracy, I filed a formal complaint to initiate re-review of the information in question. I provided LexisNexis with the documents showing the claim had been closed. LexisNexis responded with. " We have reviewed the information from our Property Insurance Claim Records and determined the data being reported is accurate. Research was conducted with the following source : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. '' With an open liability claim for over 2 years, other insurance companies will not even quote me for insurance. Even when presented evidence that the report is incorrect, they are unable to do anything as the XXXX XXXX is the ruler of underwriting decisions.
Product: Mortgage

Carrington Mortgage Service offered to defer 3 months of mortgage payments in XX/XX/2020 due to the Covid Pandemic, which coincided with my office being closed and no staff was available to make any payments until XX/XX/2020. Carrington then reported my XXXX and XX/XX/2020 payments were late when they had promised to Defer the payments without penalty. All payments have been up to date Since XX/XX/2020. Please remove late payment comments on my report. Thank you.
Product: Credit reporting

Experian will not remove this item from my credit file. The collection agency " XXXX XXXX XXXX XXXX ( XXXX ) has sent them letters several times to remove it but they will not. Information was sent to the XXXX Court system to vacate the judgement because it was an error but Experian failed to contact the court system and my credit score has dropped because of this. I 've been dealing with this for about a year ( maybe over a year ) and I would like this removed and if possible Experian pay for the damages because I have trying to rebuild my credit and Experian is hampering my progress.
Product: Debt collection

This debt doesnt belong to me this debt is the result of identity theft
Product: Credit reporting or other personal consumer reports

As of XX/XX/year>, USAA has been reporting incorrect information to my credit report. The account has been paid and closed. The negative listing on credit report does not allow me to enjoy the benefits of good credit.
Product: Checking or savings account

I had to leave overseas which caused my account to become negative and so was unable to deposit money on time. I also was not notified via text of negative amount and so received over {$150.00} in overdraft and late fees and so they gave me back only 1 and after fighting for an hour they gave me back another {$20.00}. That is inexcusable I left due to a XXXX emergency overseas for my XXXX XXXX  and came back to two accounts in negative and them not being able to help and saying it was my fault basically.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, US SM BUS ADMIN ODA add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, JPMCB CARD add a hard inquiry on my credit report per XXXX.
Product: Consumer Loan

XXXX credit report deleted my car loan completely and it destroyed my credit i am still paying on this account.
Product: Mortgage

I'm reporting a consumer abuse complaint with Freedom Mortgage. My XXXX and I incorrectly had late payments reported to the credit bureaus causing us XXXX XXXX XXXX on our credit scores, significant XXXX XXXX and lost work time. Freedom Mortgage also took advantage of me as a consumer during a five-month long assumption closing process ( XX/XX/XXXX to XX/XX/XXXX ) in which I was at their beck and call being given piecemeal instructions and no level of insight or clarity into timeline or progress. This has caused my XXXX  significant financial concerns as he was waiting for the mortgage to move off his credit report. We were told 90 days or 120 at the outside. We went past that. I was begging for insight. After being on a call with their support for an hour, I got the name of a manager and found her on XXXX, reached out, and finally got help. Unacceptable. 
Before that they had left me unattended for weeks at a time. They told me I could pick a closing company and then required me last minute to use theirs. This wasnt disclosed earlier and felt scammy. I began accusing them of consumer abuse. They had all my private information, countless hours of effort, time and attention, many hours on the phone and no output. I would be passed along or given the same answers over and over, told someone would call and they never did. 
I eventually closed on XX/XX/XXXX. We go through closing with a notary sent by XXXX XXXX ( Freedom Mortgage company ) and then it appears that for a month nothing was completed in their systems. My XXXX remained as the primary account holder for a month from what I can tell. I was instructed via email the day after closing by my loan processor to wait to make payment until I saw a confirmation letter. I have only just today XXXX XXXX XXXX XXXX XXXX even see a statement with my name on it. THAT IS THE FIRST VISIBLE EVIDANCE THAT MY LOAN WAS ASSUMED THAT I HAVE SEEN DIRECTLY. They ALSO sent my XXXX at his new home address a letter listing him as the primary account holder and listing that there was {$0.00} due on late payment. Yet all of this and lo and beholdWITHOUT WARNING AND DESPITE FOLLOWING DIRECT GUIDANCE PROVIDED TO ME BY COMPANY EMPLOYEES, I WAS REPORTED TO THE CREDIT AGENCIES FOR MISSED PAYMENT ON XX/XX/XXXX AND MY XXXX ( WHO SHOULDNT HAVE EVEN BEEN ON THE ACCOUNT ) WAS ALSO REPORTED. 
I have escalated this issue. I was told it would be under consideration whether this false report would be amended. This is the final straw for me. I have never felt so XXXX and XXXX. I would like to report negligent practices that have put my XXXX XXXX and I at risk. I must have my credit report amended. And I would like at a minimum a refund to the XXXX XXXXXXXX I paid them in closing costs.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. US Department of Education : # XXXX, US Department of Education : # XXXX, has violated my rights. I've compared all three credit bureau reports side by side an notice Experian is the only credit bureau with this Inaccurate information. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Credit reporting or other personal consumer reports

XXXX A XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX OH XXXX XXXX XXXX SS XXXX Notice for Proof of Claim Account : THE XXXX XXXX XXXX XXXX ToWhom it may Concern : This is a complaint submitted Under OHIO LAW XXXX ( XXXX ) No collection agency shall commence XXXX Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error, I demand that you send me the following proofs. As you are obligated to doin accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Product: Debt collection

I am writing to dispute a bill I received for services dated [ Date of Service ]. I was enrolled in the XXXX for XXXX Babies ( XXXX ) program during this time, which should have covered the charges in question. After reviewing my Explanation of Benefits ( EOB ), it appears that either the claim was not submitted properly or the charges do not align with the coverage under XXXX. I have attached documentation, including a copy of my policy and EOB, for your review. 
Under FCRA ( 15 U.S. Code 1681 ), I have the right to dispute inaccurate or outdated information on my credit report. I request that this account be promptly removed from my credit file. As of XXXX, medical debts are no longer permitted to be reported on credit reports. This regulation ensures that medical debts do not unfairly impact consumers credit scores.
Product: Mortgage

I purchased a home in XXXX 2014. The seller had an outstanding loan to Ocwen Loan Servicing which the Seller paid off and Ocwen sent him a notice of payoff stating the debt had been paid in full. However, Ocwen has still not released a lien on my property even though the previous mortgage was paid in full. Having an outstanding lien on a property in which the mortgage has already been paid in full is in direct violation of Ohio XXXX XXXX XXXX Entry of Satisfaction. Ocwen needs to release the lien in accordance with the law.
Product: Mortgage

I contacted PHH Mortgage to pay off my delinquent HELOC and no one has been able to help me. They transfer me constantly and tell me " emails have been sent '' but there has been no resolution for over a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit card or prepaid card

So I had a scheduled auto payment on my XXXX card which was sold to capital one. The auto pay was scheduled on XXXX I received an email from capital one about 5 days before the payment was scheduled reminding me that f the upcoming payment was coming up. Also on XX/XX/XXXX th the payment was showing pending. XX/XX/XXXX the payment was due they did not take out the auto pay. I believe this was fraud to get the late fee and interest from me for the profit. I have called many times after about ten calls I got the late fee reversed. When I call I get a different story from every person I spoke to. First it was I can canceled my checking account then I was told capital one cancelled it but they had info. And then for the first time during my better business bureau complaint they said I cancelled it but offered no proof. Offered no reason for all the lies. Very vague in there answer missing most the complaint. I need help one supervisor told me to wait by the phone on XXXX at XXXX and someone higher than her would call me. Took 2 hrs off of work cause this was serious issue I wanted resolved but the call never happened approximately 2 weeks ago I was supposed to get a call from some dept that can only be reached by email. Still waiting on that call that person did not promise a time frame but I told her they would not call. Every time I pick up the phone and call them they lie thats why I think this was intentional cause if in fact cancelled my auto pay this should of been resolved with the first phone call it would of been simple. Sorry sir would you like me to take the auto pay out. I would have said yes and asked nicely if you can waive the late fee and any reasonable company would of said yes. Simple solved no they told me I closed my checking account. Not capital one over 15 phone call and would not take auto pay out I even begged them
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had a fraudulent account on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit and get a home loan.
Product: Credit reporting or other personal consumer reports

I contacted XXXX XXXX a XXXX XXXX  with NO CONTRACT, on multiple attempts requesting validation of in accordance with 15 USC 1692g which the company never responded to. On XX/XX/XXXX, I sent out these notices attached below notifying the company of my intent to arbitration due to their default and violation of the FDCPA specifically : 15 U.S.C. 1692g ( a ) - ( b ) ( Validation of Debts ) : They have not provided adequate documentation or explanation verifying the debts legitimacy despite my timely dispute. 
15 U.S.C. 1692d ( XXXX XXXX XXXX  ) : Continued collection efforts without proper validation or investigation of my dispute could be construed as harassing or unfair. 
15 U.S.C. 1692c ( Communication in Connection with XXXX XXXX ) : They have seemingly ignored my requests for cessation of collection activities until the debt was validated, as outlined in my affidavit. 
Please see the attached affidavit for the detailed breakdown. 

I received a very brief response from the company stating " I received your request. Here 's an account summary which validates the debt. '' In which the account summary they provided did not validate the debt at all according to 15 USC 1692. The company ignored my detailed response of showing how reporting the invalidated debt is noncompliance of the FDCPA. I requested cessation of collection affect which also include reporting the information to my consumer report, which they were noncompliant by still reporting. I also broke down how they are committing aggravated identify theft and they still continue to report. 

The company is showing no remorse for their actions as I continue to support due to these collections appearing on my report WITH NO PERMISSIBLE PURPOSE. Additionally, the company responded with a general letter. Affidavits must be rebutted by affidavits, arguing point by point. If an affidavit is not responded to it in fact stands true in commerce and as of now, XXXX provided no affidavit in response and continues to violate the FDCPA. Please see attached documents for great detail.