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

I called All three of the credit bureaus to get the procedures used to confirm a XXXX port folio service account on my credit reports thats false XXXX portfolio service. XXXX, I was informed by All three bureaus that they did not actually investigate the issue they only ask the company reporting the false information to confirm what they had. This is a violation of my rights under the FCRA. This is the fourth time I have requested an investigation on this issue. Each time I requested procedures used to confirm the false information and it has yet to be given. This false information has been causing major problems and is defamatory to my character as this information is untrue. and the failure of all three credit bureaus to properly investigate and remove this false information and assure maximum accuracy of my credit report is grounds for a lawsuit. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Product: Debt collection

XX/XX/XXXX I signed up for XXXX a monthly reoccuring facial cleanse product. I canceleld the subscription in XXXX of XXXX. I have not had any communication from the company and received a collection letter XX/XX/XXXX stating " they have tried to collect this debt and have had no success and have now had to send the debt to a collection company '' in the amount of XXXX.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint against ChexSystems for their failure to remove inaccurate accounts/inquirers from my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite providing the necessary documentation to prove the inaccuracies, ChexSystems has not fulfilled its legal obligations under the FCRA, including ensuring maximum possible accuracy of my credit report ( 15 U.S.C. 1681e ( b ) ) and conducting a proper reinvestigation to remove the errors within the required 30-day period ( 15 U.S.C. 1681i ( a ) ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A FEDERALY PROTECTED CONSUMER AND I KNOW I HAVE FEDERAL RIGHTS. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Pursuant to the Fair Credit Billing Act, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This account is a billing error. This is not a refusal to pay but a notice that this alleged debt is disputed. I respectfully request XXXX provide me with documentary evidence validating this alleged debt. If no such evidence of indebtedness exists, and the only indebtedness is by AGREEMENT, XXXX can not lawfully furnish these inaccurate late payments to the credit reporting agencies. The United States is bankrupt. If this alleged debt is valid, what authority does XXXX have to collect this debt in the United States? If this alleged debt can not be validated and turns out to be an extension of credit, that would make the negative information provision in any agreement between us VOID AND UNENFORCEABLE. The continued reporting of these inaccurate late payments would constitute a breach of fiduciary duty by collecting this extension of credit by unlawful extortionate means. And under the CARES ACT which Congress enacted in XXXX which is still LAW AND IN EFFECT STATES THAT LATE PAYMENTS SHOULD NOT BE PUT ON CREDIT REPORTS WHEN CONSUMER INFORMS INSTITUTIONS THE NEED FOR ACCOMODATION DUE TO THE GLOBAL PANDEMIC CRISIS WHICH I I HAVE BEEN EFFECTED AND I FIRST REACHED OUT AND ASKED FOR ACCOMODATION IN XX/XX/XXXX WHICH XXXX DENIED ME, AND CONTINUED TO REPORT LATE PAYMENTS ON MY CREDIT REPORTS WITH NO ACCOMODATION NO PROTECTION PER THE CARES ACT. I SHOULD HAVE BEEN PROTECTED AND RECIEVED ACCOMODATIONS PER THE CARES ACT due to my situation. And Since there is no law under the Fair Credit Reporting Act requiring this financial institution to report negative information to consumer reporting agencies, XXXX APPEARS to knowingly be reporting inaccurate information to the consumer reporting agencies. Reporting information with reasonable cause to believe is inaccurate violates the Fair Credit Reporting Act and the CFPB has been investigating and taking action against institutions and companies. Like recently CFPB XXXX XXXXXXXX XXXX XXXX who did not implement protection under the CARES ACT on behalf of the consumers. XXXX companys policy does not supersede Federal Law. I am demanding that all late payments are UPDATED to PAID AS AGREED and a DELETION of each late payment be submitted to all credit reporting agencies immediately to prevent my consumer credit reputation from further harm and stopping me from extending credit in commerce which is my right due to XXXXXXXX XXXX not complying with the CARES ACT which is still LAWFUL I understand that Under the Consumer Financial Protection Act, the CFPB has the authority to take action against institutions violating consumer financial protection laws, including engaging in unfair, deceptive, or abusive acts or practices.
Product: Checking or savings account

I got my purse stolen that had my wallet phone I'd ss etc in it from my car. I did not report it right away because I was unaware. I had become sick with XXXX  and became extremely ill. When I realized what happened I filed a police report and called to report my card missing g and file disputes. All my disputes were denied.
Product: Credit card or prepaid card

American Express offered me XXXX Membership rewards points if I activated " Pay over time '', their version of extended payment option. I did that on the same day, have the proof that I did so, but Amex is refusing to issue the points citing that " the offer was not triggered for your account due to which you have not received the XXXX Membership Rewards points for activating Pay Over Time. '' When I asked if they could issue the points manually, the response was " I am afraid as we will be unable to manually add the points to the account because this is an automatic process, and the points are issued by the system automatically provided that the terms are met. '' Since I did what the email said I feel I'm absolutely entitled to the points and not responsible for Amex system issues.
Product: Mortgage

I have been asking for the PMI disclosure statement and any other disclosures related to PMI that were provided to me at closing. I have a generic PMI letter that is signed by me but it not specific to my loan and does not provide any dates. Wells Fargo has sent this same letter to me twice. My understanding is that a PMI disclosure statement is required to be provided to me al closing. I base this assumption on language I have read in the HomeRequired disclosures under Homeowners Protection Act.

( HPA ) ( PMI Act ) : 1. Amortization Schedule AND 2. PMI Notice which discloses the following : Borrowers right to request PMI cancellation when the LTV on the loan reaches 80 % of the original value and the date this will occur based on the initial amortization schedule Borrowers right to request cancellation at an earlier date if actual payments bring the LTV to 80 % sooner than scheduled PMI will automatically terminate once the loan reaches 78 % LTV and the date this will occur based on the initial amortization schedule There are exemptions to the cancellation and automatic termination provisions for high risk mortgages and whether these exemptions apply to the borrowers loan I believe I may be missing some disclosures as it relates to PMI. I would like to have those provided to me.

Based on the document I have signed, I may be eligible for a partial refund of PMI if my loan is paid in full. Wells Fargo first took the stance that the loan had to be active in order to be eligible for a partial refund ( of unearned premium ), then later told me no because it was a non refundable policy and now told me that I am eligible. Most of this discrepancies are in fact in writing to me from Wells Fargo.

I have also asked to under stand the process of the refund once the loan is paid in full. I have been told that there is no process and that Wells Fargo will just send a check once it's paid in full.

At this point I want to review all documents provided to me at closing related to the PMI piece and I want Wells Fargo to confirm that they are required to refund any unearned premium once the loan is paid in full ( in the next 60 days ).

From the Homeowners Protection Act in regards to unearned premium : Return of Unearned Premiums The servicer must return all unearned PMI premiums to the borrower within 45 days after cancellation or termination of PMI coverage. Within 30 days after notification by the servicer of cancellation or termination of PMI coverage, a mortgage insurer must return to the servicer any amount of unearned premiums it is holding to permit the servicer to return such premiums to the borrower ( 12 U.S.C. 4902 ( f ) ).

If the proper disclosures required by law were not provided to me, I want that in writing with an explanation as to why.
Product: Credit reporting or other personal consumer reports

I HAVE NEVER HAD ACCOUNTS WITH THE CREDITORS AND MY INFORMATION HAS BEEN ACCESSED ILLEGALLY
Product: Debt collection

I received a letter from Access Credit Management Inc stating I owed XXXX XXXX XXXXXXXX XXXX XXXX {$35.00}. I returned the slip via mail requesting proof/documentation that I owe the debt. They mailed back a printed paper with one line that says " detail encounter summary '' It doesn't show anything that proves I owe any money. My name is misspelled on this document. I don't want them to contact me again. If they put anything negative on my credit report, I will file a lawsuit against them ( both the debt collection agency and the alleged creditor ).
Product: Credit card

This is not a complaint but merely an attempt to communicate with this credit account where numerous phone calls and dead end transfers have put me without resolution.     On  XXXX  and  XXXX  of  XXXX , I tried to re ach JcPenney 's collect ion/bad debt divisions but attempts were futile and ended in incorrect department transfers and disconnections. Finally, on  X/XX/XX , I was able to be transferred correctly to the  XXXX  department at Synchrony Bank where I spoke to  XXXX  and he located my old account. My intent is to  1 )  request itemized charges and dates if need be to state my cause and the n 2 ) verify  and prove with proper affadavit detailing unauthorized use/ID theft on charges with this credit line that, by my discovery, go back to  XXXX  and maybe  XXXX .    XXXX  informed me that this account was sold off to  XXXX   XXXX  and that I need to contact them. I explained to  XXXX  that I already have contacted them, given them the affadavit at their request and that they have agreed and subsequently removed the reporting from all  XXXXX  reporting CBs. I explained th at JCP is still  reporting me separately from the collection agency and that if I need to validate this, I will do so gladly. Again,  XXXX  informed me that there is nothing he can do since the account was sold off to  XXXX   XXXX .
Product: Debt collection

I have medical debt... I don't get any letters from the debt collector company.. They did call but not clear messages.. I don't have debt collection information.. I tried to call them to clarify.. unfortunately, they aren't cooperating with me.. They filled lawsuit against me on XXXX XXXX But the my medical debt cleared during lawsuit process.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting opened date and payment history wrong in this account ( XXXX XXXX XXXX ) Please this information needs to be corrected or removed the account from my credit report.
Product: Debt collection

I have attached details and the letters I am sending today in a final attempt to settle this issue. I have spoken to agents on multiple occasions and I did ask them to stop calling and send me written communications. They are now calling me with unknown numbers and have done so 3 times. Now this weekend over XX/XX/XXXX break they contacted my ex-wife and discussed the issue with her prior to speaking with her father the co-signer. I will submit a notarized and signed affidavit from her if requested. Lastly XXXX XXXX is the 4th agency trying to collect on this debt within the past 10-12 months and XXXX XXXX XXXX ( XXXX ) continues to fail to produce evidence they own the debt, and they illegally collect {$1400.00} from me as " good faith payments '' on a debt that had not yet been validated.
Product: Credit reporting or other personal consumer reports

According to XXXX, which is currently my XXXX  loan servicer, I have no student loan payment due at the moment. But last month, my credit dropped from XXXX points because XXXX reported late payments and increased balance. I called them to make sure, and they confirmed with me that my student loans are on deferment and my balance is XXXX.
Product: Mortgage

I purchased my home in XX/XX/XXXX for {$150.00}, XXXX. My situation is that the septic tank is built on my driveway and it is way too close to the house and it doesn't percolate. I have to have it emptied out every month or it will overflow back into the house where live my son who has XXXX and XXXX XXXX XXXX XXXX  and XXXX  with XXXX  XXXX   XXXX  and his mother is XXXX. This is a very stressful situation since we have to bleach everything all the time for the sake of our health. I stopped making payments to the bank in XX/XX/XXXX when I sued the bank because it doesn't comply with VA regulations health wise. After many, many changes of judges I took the case all the way to the Federal Supreme Court. There was a number assigned to my case however, there was not enough time on their agenda to see it through. There was an inspection from the VA and they noted in the documents that an inspection from the PR Health Department is needed and that the lender had ignored this situation and still moved forward with the closing. The EPA inspected the area and stated that the way the septic tank was built does not comply with the laws and regulations and it should be on the backyard away from the structure. XXX inspected the area and recommended not to walk on the street due to the contamination since it will be brought into the house. The Department of Health of PR informed us after the inspection that the septic tank does not meet the requirements  needed for any type of mortgage loan because it does not comply with PR laws. My house has lost its value to others in foreclosure for the same issue which are selling for $ XXXX. Yes, {$30000.00}! Please help.
Product: Mortgage

I have been trying to work with Fifth Third Bank for over 1 year now and still they are not processing my paperwork correctly. I have had to contact the President of the bank on several occasions and until I have done that I have not been able to get any response. I started trying to get a modification to my mortgage in XXXX of 2014 and used an agency by the name of XXXX XXXX XXXX in XXXX, PA and Fifth Third Bank did not respond to them. However I was told by the bank representative that they do n't work with third party agencies. During the last modification process which was in XXXX I was told by the representative of the bank that I needed to forward all income and that was done, however all of my income was not used and therefore they denied my modification for several reasons. The first reason is that they said my illness was not a legitimate illness for me to have lost my job and secondly that my income did not fit the proper amount, third that my credit report from the credit agencies was not favorable in order for them to do this. I forwarded another letter to the bank 's representatives and explained the situation and was contact by XXXX XXXX XXXX who advised me to forward the remaining documents for financials and that was done in XXXX. At that time I was told by her that I would have to continue the process all over again even though it was handled poorly and improperly by the bank. I told her that I should have to do this, but am forced to do this anyway if I want the modification to go through. I have not contact the XXXX in XXXX in order to get additional help in trying to resolve this situation. Fifth Third Bank has tried to foreclose on my home twice this year. One resulted in them having to recend the judgement because it was noted that they filed prematurely. Second is now when they are trying to start the foreclosure process again using some incorrect and outdated information forwarded to this week. I have forwarded the information down to the XXXX so that we will be able to work together to straighten out this information. In the copies of the documents that the bank forwarded to me this week, they state incorrect information and therefore they are seeking a judgement on the pretence of the wrong information. I have been struggling with Fifth Third Bank for far too long with respect to this issue. It takes the 6 months or so to respond to people who want to obtain modifications and I have documents to substantiate this claim and by the time the respond, you are in the foreclosure process which they seek late fees and damages which they would otherwise not get if they would do things properly. I have hundreds of documents that ca n't be attached to this online complaint and, this is not the entire problem but it is enough to help us get started. Please have someone contact me soon as I do not have much time. Thanks
Product: Mortgage

XXXX credit reporting agency dropped Ocwen Loan Servicing , LLC from my credit file, stating in their answer to CFPB case number XXXX I filed that Ocwen Loan Servicing , LLC account was reinserted on the credit file on XXXX/XXXX/XXXX. Please contact Ocwen to see why the account is no longer reporting and to see if they can report the account on your credit file. XXXX is still reporting the outdated information Ocwen submitted to CFPB case number XXXX in answer to my complaint filed in XXXX XXXX. Per XXXX XXXX, Consumer Account Analyst, Office of the Consumer Ombudsman, Ocwen Loan Servicing , LLC response in this case number dated XXXX XXXX, XXXX, Ocwen electronically reports information to the credit reporting agencies on a monthly basis. However, as of XXXX XXXX, XXXX, Ocwen has not sent any updated information on my mortgage account XXXX to any of the credit reporting agencies. I called Ocwen Loan Servicing , LLC at XXXX on XXXX XXXX, XXXX after talking with a representative of XXXX. I spoke with XXXX who gave me identification number XXXX. She verified that the account in fact had not been reported since the above mention date. XXXX was to contact me within XXXX working days. To date, I have not heard from XXXX with Ocwen and the account still show that Ocwen has not sent updated credit reporting information. I am uploading the credit reporting information I got from my Ocwen account online, plus correct information that shows the account is paid each month as agreed.
Product: Debt collection

A while back I was contacted by  XXXX   XXXX  about a credit card debt. I informed them that I had not opened credit card account with them. I also requested at that time to send me a copy of the application bearing my signature as proof of this obligation. I never got anything from  XXXX   XXXX  but a letter stating they had sold my account to  Portfolio Recovery Associates. When I received a letter from Portfolio recovery I replied with 2 certified letter s requesting proof of the debt, that proof being a signed application bearing my signature proof that this was my obligated. So far all they have sent me is statements which they claim is proof of the debt, which it is not. I explained to them that they purchased bulk debt from  XXXX   XXXX  without checking its validity. This debt is NOT mine they have FAILED to provide valid proof, that being a signed legal contract which bears my signature. Recently a negative mark was placed on my credit report noting this invalid debt. They statements they have sent are not proof of a legal obligation.
Product: Debt collection

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim I owe {$750.00} ''. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. My contact information is as follows : XXXX XXXX XXXX. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX