23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Notice for Proof of Claim Account : XXXX XXXX XXXX and the balance of {$740.00}. 

To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 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 fair 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 do in 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: Credit reporting, credit repair services, or other personal consumer reports

Under 15 USC 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. 2 ) In accordance with the written instructions PER the consumer to whom it relates. XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX  OF AZ XXXX XXXX, never gave XXXX, XXXX, or XXXX written consent FROM MYSELF to report anything on my consumer report, No Consent is IDENTITY THEFT. Concerning the account listed below as a consumer I Am demanding a deletion of all account as it relates, Immediately. I, XXXX the executor, have a legal right and security interest, under federal law ( 49 USC 14301, UCC 9-317,12 CFR 1026.23 ) to cancel this transaction, only collecting the proceeds not assets, without any penalty or obligation from the above date or any later date on which all material disclosures required under the truth in lending act have been given to you.When canceling this transaction any lien or other security interest on my property arising from this transaction is automatically void. I am also entitled to receive all proceeds of which this account is owed. In addition These accounts have not been validated and must be removed pursuant to FDCPA, FCRA and Federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed there were some accounts on all three of my credit reports that were not mine, so I mailed the credit bureaus the necessary paperwork and only Equifax did not remove these accounts.
Product: Credit reporting or other personal consumer reports

MY CREDIT REPORT SHOWS MANY INQUIRIES NOT DONE BY ME. I HAD CALL MANY TIMES TO THE CREDITOR AND TO THE CREDIT AGENCIES REGARDING TOO. CALLS MADE ON XXXX XXXX AND THEY REFUSED TO REMOVE ALL INQUIRIES, EVEN AFTER THEY PUT A FREUD ALERT ON MY PROFILE. THE AGENT REFERRED TO CALL ALL THE COMPANIES SO I DID AND YET MY PROBLEM IS FAR FROM GETTING FIX. 
MY CREDIT AND FAMILY IS SUFFERING NOW THAT I NEED TO APPLY FOR A MORTGAGE MY INTEREST RATE WILL BE MUCH HIGHER.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to correct and update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX  # XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX OF XXXX XX/XX/2021 XXXX FOR XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX AUTO XX/XX/2021 XXXX XX/XX/2021
Product: Student loan

My student loans are handled by Navient I am on a fixed interest rate. 
in the last 10 years my payments have gone up twice. 
approximately 60 of my payments have had nothing go toward principal I calculated roughly {$44000.00} paid in 10 years with only approximately {$3000.00} - {$4000.00} going towards the loan. 
I have records of my payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently learned from my Equifax credit report that all of my former employers have been deleted from my history. 

My first employer from XXXX was XXXX XXXX. 
2nd employer XXXX -XXXX XXXX XXXX. 
3rd employer XXXX XXXX. 
4th employer XXXX XXXX XXXX XXXX XXXX XXXX. 

The Social Security Admistration have my history in their data base and have written a for me to be able to get XXXX. 

I am deprived of health care insurance due to theft of my identity. You recently updated my name to XXXX XXXX XXXX. I 've been told by the FBI to pull my transcripts from IRS showing my wages from my employer. Please advise if you need copies.
Product: Credit reporting or other personal consumer reports

{$2.00} for XXXX XXXXXXXX XXXX XXXX XXXX account XXXX XXXX. 
This amount is a fraud charge and the credit card was closed and the creditor is still investigating and dispute fraud charge will get a report only on XX/XX/year>. However the EXPERIAN credit bureau brought my credit score from XXXX to XXXX because they saying I missed payments on this amount more than 60 day. Actually the creditor tried to take this amount from my bank ( XXXX XXXXXXXX ) however bank denied due to the small amount thinking is fraudulent. However I tried my other bank chase and they paid and now have XXXX balance. At the same time the creditor saying I don't need to pay ( {$2.00} ) until the disputed fraudulent charge. However Experian brought down my credit score from XXXX to XXXX? They have no right to do until the dispute is complete. Is this is a punishment for customers have an excellent credit score for the disputed amount {$2.00}? to reduce XXXX points on XXXX like XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX XXXX, 2017 I have asked XXXX XXXX XXXX and the credit bureaus that they formally substantiate all account history data XXXX XXXX XXXX transmitted to credit reporting agencies for me, regarding the suspicious account. My letters have largely been ignored by each credit reporting agency. I have not received an answer. They have all failed to provide a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. XXXX XXXX XXXX and the credit reporting agencies are being willfully non-compliant in my request for verification of debt. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting.
Product: Student loan

I have put in a compliant about a month ago in regards to how Mr. XXXX  ( Navient Solutions ) has called many of my family members before contacting me in regards to my loans with them. Today I have received a call from Mr. XXXX at XXXX. I called him back at XXXX, even before I could get a chance to give him a call back ; he had already called one of my family members before I could give him a call back. This has been an ongoing issue and is very frustrating. I am tired of dealing with Navient Solutions. They want their money but not willing to work with the individuals. They also call everyone in your family before giving the person who is responsible for the loan to call them back.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE LOOK INTO THE REASON WHY THE ACCOUNT FOR XXXX XXXX XXXX XXXX. HAS NOT BEEN REMOVED. IT STATES A BALANCE OF {$3600.00}, WITH ONLY LATE PAYMENT OF 60-DAYS. NOW, THIS IS NOT THE FIRST TIME I BRING THIS ACCOUNT INTO MIND. THIS WOULD BE ONE OF THE SEVERAL ATTEMPTS I HAVE APPROACHED IN ORDER TO GET THIS ACCOUNT REMOVED OFF OF MY CREDIT REPORTS FOR GOOD SINCE XX/XX/XXXX., WHY HAS NOTHING BEEN DONE? WHAT ARE THEY LOOKING INTO? YOU HAVE NO IDEA HOW BADLY THIS IS AFFECTING ME AND THE GOALS I NEED TO ACHIEVE. THIS HAS DONE NOTHING BUT PULL ME DOWN. I DEMAND A RESPONSE IMMEDIATELY AS FOR NOTHING HAS BEEN DONE ABOUT THIS MATTER.
Product: Checking or savings account

We are struggling and SunTrust has put our business into futher jepodary by charging exorbitant unfair overdraft fees causing our small business major financial distress. In an attempt to remedy the situation I visited the XXXX XXXX location. The employee waived 1 fee but I was ( I found this info out on a 2nd visit, to the XXXX XXXX branch ) NOT informed of what I could do to prevent this from happening again. I was NOT advised that I could get overdraft protection by either opening a savings, or getting a business credit card, or registering my email. If i had been advised of this I would have done so. I feel very taken advantage of. The fees are unfair and have caused my business great financial distress. 1 fee would be fair, but {$220.00} in one month and {$150.00} in a 2nd is beyond unfair!! HELP!!
Product: Payday loan, title loan, personal loan, or advance loan

I had previously requested to be put on the do not call list. I have to pay with my social security check and it comes after the XXXX of the month. They state that I can not change the due date. When I get my check electronically, I try to go online and pay this bill and most of the time the website gives me an error " Network Error ''. This means that I can not pay the bill at the time that I get my money. This results in 5-10 days of added high interest on the loan every month. I have been on hold a total of 30 minutes so far this morning trying to pay this. It has taken 3 phone calls and each time I am put on hold or told that I am calling the wrong department. I am calling the number they list on their website as the customer service line. This has been going on since they had a technology breech and switched the manner in which the bill is paid to a PC rather than the consumer 's cell phone.
Product: Credit reporting

I contacted Experian online but could only obtain my consumer credit score. There was no way to order a printed credit report from them without paying for it, either on-line or by talking to a service representative. I am trying to obtain my FREE yearly credit report, the whole thing, not just the score.
Product: Money transfer, virtual currency, or money service

THIS IS NOT A DUPLICATE! 

I was scammed by XXXX they approached me and manipulated me into investing. I did the transactions through my Coinbase Wallet in a mining pool. I did everything based on their instructions. After i had tried to take the funds out they stated that i would have to pay taxes.. i then realized that it was a scam. It all happened around XX/XX/2021. 

I lost XXXX USD
Product: Debt collection

HELLO, IVE HAVE BEEN BACK AND FOURTH WITH EXPERIAN, XXXX, AND XXXX TO VERIFY DEBTS AND IT HAS BEEN SINCE XXXX THAT IVE INFORMED THEM AND THEY HAVE NOT REPLIED TO ME. I HAVE MULTIPLE CERTIFIED MAIL RECEIPTS. I WILL PUT BELOW. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX. This account is not mines. I asked them to validate the debt and they couldnt. I have no contract with XXXX collection agency. The statement received from XXXX lacks validated identifiable information such as but not limited to my name, account number, amount of debt and most of all my signed signature on any contract with XXXX  or original alleged debtor. 

XXXX. This information is inaccurate. The request to validate this debt is not within the scope of the fair debt collection law. ( see attached Exhibit A ) In stead I was sent a type checklist of action they and alleged debtor created with checkmarks but lacks my signature and validation. ( See Exhibit B ) checklist from XXXX XXXX agency. I contacted XXXX and informed them of this, and they said this is all they were given. This checklist. They could not provide a contract with my signature.

3. In according with 15USC 1692 Validation of debt requires the RMS must give the original contract with copy of the debt with their company name on it.

4.1681s-2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information. 
( XXXX ) Prohibition. 
( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
XXXX. I never had a debt with an alleged debtor. I had a federal student loan while attending school. This student loan was forgiven by the Federal government as part of the Total and XXXX XXXX XXXX XXXX XXXX  ) see attached C Effective XXXX XXXX, XXXX as I became XXXX by the Department of Veterans Affairs. 

XXXX. The loan holder did not follow the guidelines as outlined by the Department of Education in which created this debt. ( see Exhibit D to report all loans ). 

XXXX. The Department of Education discharge approved XXXX effective XX/XX/XXXX. To take effect retro on my XXXX date XXXX. XXXX, XXXX, is the effective date of the determination by the Department XXXX XXXX XXXX due to service connected XXXX. ( See Exhibit XXXX )
Product: Debt collection

I purchased a a sectional from XXXX XXXX through American First Finance. I was told it was {$50.00} every two weeks. They are taking {$63.00} every week from my account. We have paid {$1000.00} to a couch that was only {$1400.00} to begin with now were being told we {$1700.00} more. This is not what I agreed too nor wanted. Then to have almost {$300.00} taken out of my bank is not right. These were vicious sales tactics. Ive tried explaining we cant afford that every month nor is that what I agreed to and its like they dont care.
Product: Mortgage

On XX/XX/XXXX, my mortgage was transferred from XXXX XXXX XXXX XXXX to BSI Financial Services. Despite maintaining consistent communication with BSI to ensure my account remained current, I received conflicting information regarding my exemptions in a letter dated XX/XX/XXXX, but not received until XX/XX/XXXX. 

The inflated mortgage amount of {$2500.00} fails to account for my homestead and XXXX veteran exemptions. Furthermore, unexplained discrepancies exist within the statement, and these discrepancies have never been explained to me. 

BSI representatives, including supervisors, have inaccurately informed me that my exemptions require annual renewal. However, the Texas Comptroller explicitly states that exemptions do not need renewal unless specifically requested by the chief appraiser, which has not been applicable in my case. 

BSI has received all necessary proof of my exemptions and tax documents via email on seven separate occasions. Despite being verified by the XXXX XXXX XXXX XXXX, BSI has deemed these documents inadequate. 

Upon consulting with the Department of Veteran Affairs Mortgage Department, I was advised to either demand correction from BSI or pursue legal action if they continue to disregard the data provided by the XXXX XXXX XXXX XXXX. 

Additionally, according to 12 CFR Part 1024 - Regulation X section 1024.17 Escrow accounts, BSI 's assertion that they are unable to perform an escrow analysis based on an estimate contradicts the established guidelines. This has resulted in inflated monthly payments. Despite this, BSI utilized an estimate to generate a XXXX escrow analysis and determine the current monthly payment of {$2500.00}. This calculation was made without considering the finalized tax documents provided by myself, the XXXX XXXX XXXX XXXX, the XXXX XXXX XXXX XXXX, and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

BSI claims to have paid an {$8000.00} tax bill in XX/XX/XXXX without reimbursement, making me liable for this overpayment. However, our actual taxes for XXXX, excluding homeowners insurance, were {$7100.00} and {$6000.00}. 

BSI representatives have repeatedly informed me and my spouse that BSI can not provide any relief or payment options for the XXXX tax bill. This is particularly concerning given my financial hardship and inability to work due to military service-connected conditions. Despite multiple attempts to resolve this issue over several months, BSI has failed to provide any credible justification for their inaction. 

My requests for callbacks from BSI have gone unanswered for months. Furthermore, BSI has falsified communication records. For instance, on XX/XX/XXXX, I called BSI to request an update on my escrow analysis and to speak with a supervisor. The representative informed me that I would receive a callback since the supervisor was ending a meeting. However, no callback was received. On XX/XX/XXXX, I called to follow up and was told by the representative that my callback had already been successfully resolved, even though neither myself nor my spouse had received a callback. 

These instances of communication falsification raise serious concerns about BSI 's integrity.
Product: Credit card or prepaid card

On XX/XX/2022, someone used my card for a purchase of {$3800.00} from XXXX XXXX. I started a claim regarding this issue and was denied by Santander Bank. The bank won't give me the transaction details etc tracking number, name, phone number of the package. They only told me the merchant provided delivery confirmation but i never receive any package. Please help me resolve this issue.
Product: Credit reporting

In reviewing my credit report last year, it came to my attention that there is a derogatory and incorrect piece of information on my credit report. I contacted the company, XXXX, XXXX.directly and I provided the XXXX credit bureaus with the same information in XXXX 2014. I requested that XXXX, XXXX provide accurate information to the credit bureaus regarding this account. Specifically, XXXX , XXXX inaccurately reported a civil claim against me for an account that was paid in full when I learned that it was due and PRIOR to a court decision being rendered. To date, I have not received a response from XXXX , XXXX or any of the XXXX credit bureaus. This information remains on my XXXX and TransUnion reports but has been removed from my XXXX report.
Product: Credit reporting or other personal consumer reports

It has been over 30 days since I submitted complaint # XXXX regarding a collection account reported by LVNV Funding , and I have yet to receive a response. Upon further investigation, I contacted the original creditor, XXXX XXXX, who informed me that the collection agency responsible for the account is XXXX XXXX XXXX, not LVNV Funding. This discrepancy has been reflected in updates to my credit report, which I have attached for reference.

Additionally, the balance reported by LVNV Funding does not match that of the original creditor, further demonstrating inaccuracies in the information being reported. Moreover, XXXX XXXX  is not registered to transact business in the state of Texas, as their registration has been forfeited due to inactivity. This raises serious concerns about the legality of LVNV Funding 's acquisition and reporting of this account.

Furthermore, LVNV Funding has failed to provide any documentation notifying me of the alleged debt being sold to them as required under the Fair Credit Reporting Act ( FCRA ). This lack of verification and notification constitutes a violation of my rights under the FCRA. 

I demand that all collection efforts on this account cease immediately and that the account be removed from my credit report. Please note that I am maintaining a thorough paper trail of all correspondence related to this matter. I also urge LVNV Funding to reference XXXX XXXX XXXX, XXXX, where the court held a collection agency accountable for failing to verify accurate information.

I expect LVNV Funding to take prompt action to resolve this issue.