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

Given that Transunion is acting in bad faith and have not complied with the Fair Credit Reporting Act 611, I am filing this complaint.. I have attempted to have XXXX clear up this matter since the listed items are entirely inaccurate and represent a very serious error in reporting. CFPB amp up and resolve this for me. Remove XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX , XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX , XXXX XXXX
Product: Debt collection

Every day, for months, Monday through Friday, they call me twice at my place of employment. They call my extension and they call the XXXX XXXX XXXX XXXX XXXX. Every time I pick up and say hello they hang up. I have said, over and over again, to stop calling my work, and yet, every week, every day, twice a day they continue to do so. I have had XXXX XXXX, XXXX and my supervisor speak with them and they continue to harass me. This is my last step before taking legal action.
Product: Debt collection

I had an acvount with XXXX that is posting as a paid collection with XXXX XXXX XXXX when in fact it was paid to the original creditor and is showing on my credit profile as a paid collection I have always had perfect payment history and this mark on my credit file is mentally damaging and is fraud improper posting in my crefit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + Credit Reporting Agencies, This complaint is in relation to a credit account this creditor ( XXXX XXXX  - 3rd Account ) has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.
Product: Mortgage

My name is XXXX XXXX and I have a mortgage loan with U.S. Bank Home Mortgage. A natural disaster occurred on XXXX XXXX, XXXX and XXXX XXXX gave a check with my name and U.S. Bank Home Mortgage for {$6400.00}. The contractors that repaired my home is XXXX XXXX and U.S. Bank Home Mortgage is refusing to pay the construction company for the materials and labor that was purchased out of the construction company budget. My home had damage from Hurricane XXXX and I was given Road Home and FEMA grants to place a new roof, the storm windows, air conditioning unit and repair the fence around the home. U.S. Bank Home Mortgage is withholding the money that belongs to the construction company. XXXX XXXX bought the material to repair my home and had XXXX employees that worked on my house for two days and U.S. Bank Home Mortgage is refusing to give the construction company the money from XXXX XXXX for the repairs of the home. The company bought all materials and use their employees and U.S. Bank is holding on to the repair money for themselves and the work on my home is completed. I am sending the receipts from the money I received from FEMA and Road Home to prove the claims the U.S. Bank did not sell me a new roof, fence and the XXXX building my husband and I add ten years ago. When I pay U.S. Bank every month it is only for the XXXX building I was sold in XXXX XXXX. They did not sell me the fence I added to the property, I added XXXX storm doors in the front and back of the home, air conditioning unit and the check they are holding is the money that the government gave me through grants from Hurricane XXXX. U.S. Bank is an evil company and is refusing to pay XXXX XXXX for the work and materials that they paid out of the company budget. THEY STOLE THE MONEY AND REFUSING TO PAY THE CONSTRUCTION COMPANY. The construction company is threatening to sue me and U.S. Bank Home Mortgage for not paying them the money for the tornado damages and repairs on the home.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report withXX/XX/XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of the XXXX  account ( # XXXX ) on my credit reports with XXXX, XXXX XXXX and TransUnion. The discrepancies between the credit bureaus reporting regarding this account are significant and misleading. Due to these inaccuracies, I demand the immediate removal of this account from all credit reporting agencies and request compensation for the damages caused, along with a thorough investigation into these issues. 

Inaccuracies Identified XXXX. Date Opened : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX TransUnion : XX/XX/XXXX XXXX. High Credit : XXXX and TransUnion : {$2100.00} XXXX : {$0.00} XXXX. Last Reported Date : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX TransUnion : XX/XX/XXXX XXXX. Date Last Active : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX TransUnion : XX/XX/XXXX XXXX. Date of Last Payment : XXXX and TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Late Payment Reporting : XXXX : Was 30 Days Late XXXX Time ( XXXX ). 
XXXX and TransUnion : No late payments reported These discrepancies, particularly concerning the high credit, last reported date, date last active, and late payment status, indicate significant inaccuracies. The inconsistency in reporting a late payment by XXXX, while XXXX and TransUnion report none, is especially concerning. 

Violations and Impact The inaccuracies in reporting violate my rights under the Fair Credit Reporting Act ( FCRA ) and have caused undue harm to my credit profile. Such discrepancies can negatively affect my credit score and financial standing, leading to potential denials of credit or other financial difficulties.

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The discrepancies in reporting violate this standard.

2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Requires consumer reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : Mandates that if disputed information is found to be inaccurate or unverifiable during a reinvestigation, it must be promptly deleted.

4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Requires furnishers to investigate, review all relevant information, and report the results to the consumer reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : NAVIENT I would like to see the accounting records on the loans that you are accusing me of owing. Are you aware that 's it 's illegal to give out a loan if interest is being charged without having an insurance policy against the loan. I am aware of my rights and the statue of limitations in my state as a borrower. According to The Consumer Credit Act of 1974, it gives the credit consumer a legal process by which to proceed if he/she feels as if their rights have been or are being violated! At this point I feel that you are accusing me to be the owner of the loan accounts listed on my credit file. I feel that my rights are violated in several ways. Accusing a consumer of an unknown debt and misuse of ones credit can turn into a big problem. It is impossible for a creditor to verify a consumers debt attempting to verbally verifying the debt with a credit bureau. The debt was deleted several months ago and it was reinstated back on my credit file just recently.
Product: Mortgage

I XXXX XXXX has been notified that Right Path Servicing ( RPS ) is a servicer who has purchase my note. I have never done business with Right Path Servicing nor contracted with them. Therefore, I insisted that they shall provide me with admissible proof that I owe the alleged debt in order to settle this matter. They have refused to provide me with the liability that created the debt in the form of the true original contract signed with both parties wet-ink signature, receipt of the bank loan check, an sworn affidavit of claim by the injured party or competent witness, or book keeping entries or accounting showing that RPS and the XXXX suffered a loss.

RPS has provided me with photocopies of the mortgage note without the promissory note which gives me reason to believe the mortgage was resold and bifurcated. I demand that RPS provides me with the endorse note as it is an important component of the original contract and I was told by the company that the note was being retained. I have also request the name of the individual who is the duly authorized representative for the company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing Act and the actions he/she has taken in relation to this account. RPS has disregarded and failed to provide the aforementioned documents to validate their claims. I then begin to receive threatening letters to foreclose on my real property in efforts to continue to securitize, extort and deceive me as a federally protected consumer.

RPS has not provided proof of claim to have the legal right and lawful authority to attempt to enforce collection of the alleged liability. 
The failure to provide proof of claim by Right Path Servicing has created permanent and irrevocable Estoppel by Acquiescence, forevermore barring Right Path Serving or other brand names from bringing any and all claims, legal actions, orders, demands, lawsuits, costs, fees, levies, penalties, damages, interests, liens and expenses whatsoever, against XXXX XXXX XXXX. As the authorized representative for XXXX XXXX XXXX, I have reason to believe the alleged debt did not exist in the first place or has already been paid in full.
Product: Debt collection

This collection agency is unable to determine the validity of this debt. contacted original creditor to no avail and the collection agency ( Debt Recovery Solutions ) can not provide any proof as to the validity of this debt. I have no idea what this debt is. this debt has also been disputed several times with all XXXX bureaus to no avail. this tells me that the reporting agency is able to provide some sort of validity to which i would like to review myself.
Product: Credit reporting or other personal consumer reports

According to XXXX XXXX Part XXXX Family Education Rights and Privacy, the credit agencies XXXX, XXXX, and Transunion are listing my confidential information regarding student loans on my credit report without my written authorization. The XXXX of XXXX Regulations state that a third party must obtain " written authorization '' from a student to share confidential information from an educational institution. 

XXXX is currently being sued by the CFPB for failing to handle disputes properly ( XXXX XXXX. XXXX ). Please see that this complaint reaches them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act DPT EDXXXX Account # XXXX, has violated mv rights. 
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 1681 section 1681s- 3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting 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. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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.

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 cause to believe that the information is inaccurate.
Product: Debt collection

On XX/XX/2002 I received a notification that a collection account had been added to my credit report. The company is Credit Management LP and according to my credit report, the alleged company they are collecting on behalf of is XXXX. The alleged debt amount is {$490.00}. Over the past 12 months, this account has appeared on my credit report under several collection companies, including XXXX  XXXX, XXXX XXXX and XXXX XXXX XXXX. It appears that these are some sort of junk debt buyers, and each time that I request debt validation they were unable to verify the account as belonging to me and subsequently deleted the accounts from my credit reports. I have contacted XXXX several times regarding this, but apparently this error has not been fixed. I filed a complaint against XXXX with my Attorney General and the FCC regarding this matter. Furthermore, as far as this Credit Management LP account listed on my credit report, they have violated the Fair Credit Reporting Act by placing this erroneous, frivolous account on my credit report. I did not receive notice via mail regarding this account before it was placed on my credit report, nor did they provide validation of the account. So again, this is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that Credit Management LP offices provide me with competent evidence that I have any legal obligation to pay them. At this time I will also inform Credit Management LP that if their office continues to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if this negative mark continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and XXXX for the following : Violation of the Fair Debt Collection Practices Act Defamation of Character This is a request for validation made pursuant to the Fair Debt Collection Practices Act.
Product: Credit reporting or other personal consumer reports

Im writing you today about a grave issue. My privacy rights are being invaded. Per 15 U.S.Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities withfairness, impartiality, and a respect for the consumers right to privacy. Im exercising thisright under the code. Please see the following information is handled with the utmostfairness, impartiality and respect for my right to privacy. For the record, Im the one whosinitiating the disputes under MY NAME. The following items are UNKNOWN to ME. I dontget why youre claiming these are fraudulent or of a high risk nature. The documents Iveprovided are legit. These are mine, filed with the appropriate agencies & support myposition. According to FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwiseprovided in this section, a consumer reporting agency shall block the reporting of anyinformation in the file of a consumer that the consumer identifies as information thatresulted from an alleged identity theft, not later than 4 business days after the date ofreceipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copyof an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to anytransaction by the consumer. In your previous correspondence you mentioned that myidentity theft report needed to be filed with a law enforcement agency which subjects tocriminal prosecution. One of these agencies is the Federal Trade Commission ( FTC ). FYI the report I was filed online WITH THE FTC which by your representation IS A lawenforcement agency. My FTC Report # is XXXX I dont think you have reviewed thedocuments submitted & are sending me frivolous boiler plate responses to deflect fromyour responsibility to comply with FCRA laws. Furthermore, you have failed to provide themethod of verification as required under Section 611 ( a ) ( 7 ). Please be advised that underSection 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all informationwhich can not be verified. Again, under 617 Civil liability for negligent noncompliance [ 15U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirementimposed under this title with respect to any consumer is liable to that consumer in anamount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result ofthe failure ; and ( 2 ) in the case of any successful action to enforce any liability under thissection, the costs of the action together with reasonable attorneys fees as determined bythe court. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

1. Although I have along with my complaint, asked of XXXX to remove and stop billing me for the property taxes, it refused to. Instead, it instructs me to send a letter requesting the removal of the escrow account. I do not need them to remove the escrow account, because other fees may apply to it. My request is for Ocwen to stop billing me for my property taxes and to refund the amount it has billed and received. I will pay my taxes on my own. Ocwen overbills my account and always has more that was is owed to the tax collector in my account. Ocwen should not be earning interest on my money. 

2. I was told by XXXX XXXX XXXX that I had a Ballon payment. Therefore, I began to pay extra money toward the Balloon amount. I asked Ocwen to tell me if the Balloon amount is the same as Deferred amount but it never responded to that question. If the Deferred amount is not the Balloon payment, I want all extra payments made toward the principal, to be credited to the Balloon Payment that is due at the end of the loan period. 

3. Ocwen claims that on XXXX XXXX, 2017, it refunded {$680.00} but never provide me with a canceled check nor did it include interest earned for the said refund.
Product: Credit card

XX/XX/XXXX {$480.00} Sychrony Bank  XXXX XXXX XXXX ) XXXX XXXX Fraud # XXXX Policy Report # XXXX XXXX XXXX XXXX XX/XX/XXXX - Bank XXXX alert to my email and text. I confirmed with bank that this was a fraudulent charge. 
XXXX XXXX case opened by Bank XXXX email sent ) XXXX Email from bank denying my case saying I received the item and benefited from purchase according to XXXX XXXX records. 
XXXX email from bank cancelling my card and fill out information about fraud case requested from me to send them to review. 
XXXX email received from back denying my claim once again saying the same reason as the first that I received the purchase so no credit will be issued. 
XXXX I called bank to reopen the claim and received a letter to confirm this. 
XXXX I called bank to give them XXXX XXXX fraud # and confirm that I spoke in person with XXXX XXXX managers at the store involved and they confirmed that they did not require an ID only purchase number to allow the purchase to take place. 
XXXX email from bank denying claim again for same reason. I reopened the case again and spoke to XXXX and XXXX at bank to confirm XXXX XXXX not required ID. 
XXXX I faxed and mailed affidavit again to bank on this. 
XXXX another denial letter from bank for same reason that I purchased the item. 
XXXX I called bank again to reopen the case and to have investigator please call me to if needed to help resolve this case. 

Synchrony Bank is not demanding any proof from XXXX XXXX of the ID of the person that picked up the purchase via curb side. XXXX XXXX employees even confess they do not require proof of ID when picking up a purchase except when the item is over a {$300.00} purchase then ID is required. XXXX XXXX managers admitted that even with that said, they did not require ID, only proof required by XXXX XXXX is the ID order number and they will hand over the purchase to anyone that shows up at the store via curb side. The order number can come from an online app that one creates from XXXX XXXX and does not have to come from an email to get the order number.
Product: Credit card or prepaid card

On XX/XX/2019, I was charged {$230.00}. I informed the company of this fraudulent charge on XX/XX/2019. They issued me a conditional credit until they could finish their investigation. On XX/XX/2019, they closed their investigation in favor of the merchant and reversed the conditional credit. I am continuing to dispute this. 

Originally, I did not submit any information in support of my dispute, just because the transaction was never made by me. My credit card activity with the same bank also shows that I was in California the entire time. I assumed they could access this and easily assume that I could not have made the charge. 

The information the merchant provided was an IP address in Texas that shows the purchased item was ordered to someone I have never heard of. Although the address may match, I have no idea who the person is. I also do not have authorized users to my credit card other than myself.