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

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 DYNAMIC RECOVERY SOLUT # XXXX, has violated my rights. DYNAMIC RECOVERY SOLUTIONS has gone as far as to " Park Debt '' onto my Consumer report without ANY PRIOR contact with me to verify or validate that this is accurate.This Tactic is knowingly Illegal as seen the FTC 's case against XXXX XXXX XXXX XXXX, Case No. XXXX. This is a complete violation to my consumer rights and punishable by {$1000.00} damages per 15 U.S. Code 1681. DYNAMIC RECOVERY SOLUTIONS have also committed violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Punishable each by {$1000.00} in damages. I Have sent a debt validation letter to request for proper validation of this alleged debt to be done. Notice I NEVER said debt VERIFICATION I Said DEBT VALIDATION. Do not send me a bill, copy of a statement, a letter with the debt only on it, or any other of the scare tactics debt collectors try to use. If what you sent isn't in correspondence to 12 CFR part 1006.34 Regulation F, then do not even send It and delete the account. You must also be aware I am disputing this alleged debt and that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. As stated in Regulation F part 1006.34 ( c ) ( 3 ) SO as the LAW states you must NOW CEASE ALL collection attempts and remove this ALLEGED DEBT from all my consumer reports until you VALIDATE that this debt is indeed mine. Or I will file for litigation for monetary damages. And we both know would lose sole based off the fact that you have no evidence of PRIOR COMMUNICATION with me either electronically, orally, or through mail as stated by the FCRA before you decided to park invalidated and inaccurate debt on my consumer reports. I will not be sending 5 - 10 letters back and forth with this company I'm only sending 2, and if you decide to be willfully non complaint I will add that to the $ XXXX punitive damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my most recent credit report from Equifax, I notice that the company has not done their due diligence by following federal law. 

As a result, I asked that Equifax fully and completely verify the following inquiries on my Equifax credit report. 

1 ) inquiry under the name XXXX ; XXXX XXXX please validate or remove immediately.

2 ) inquiry under the name XXXX credit services. Please validate or delete Immediately for violating FCRA rules 3 ) inquiry under the name : XXXX XXXX XXXX Southeast ; please validate or delete immediately for violating FCRA rules. 

4 ) inquiry under the name : XXXX XXXX auto finance ; please delete immediately or a validate inquiry under FCRA rules. 

5 ) inquiry under the name XXXX XXXX, please validate inquiry immediately or delete from my credit report. 

6 ) inquiry under the name ; XXXX XXXX XXXX Dealer financing ; please validate inquiry or delete immediately. 

7 ) inquiry under the name ; XXXX XXXX finance, please validate or delete immediately. For violating XXXX rules.
Product: Credit card or prepaid card

I responded to special offers sent to me by my American Express card, but never received the promised benefits. 
Specifically, one offer was for a {$50.00} rebate on wine bought with the card from XXXX XXXX XXXX on XX/XX/XXXX. When that benefit did not show up on my card, I called American Express and the representative told me that everything was in order but I just had to wait a little longer for the rebate to appear. 
Based on this assurance, I took advantage of a new, identical offer for the wine which I received. That purchase was on XX/XX/XXXX. I never got either of these rebates for wine, a total of {$100.00} due to me. 
In addition, because I got an offer for a XXXX stay, I chose a XXXX hotel and paid with my card for a stay on XX/XX/XXXX. The promised rebate for staying at XXXX and paying with American Express was {$40.00}. Again, I never got the rebate. 
In each of these cases I first registered my card for the offer with American Express. 
I have tried calling American Express on several occasions about this but never am able to get any explanation about why the rebates were not forthcoming. 
Finally, a supervisor said she would submit a one time courtesy payment of {$140.00}, but that never came through either. Further calls to American Express just led to a run around.

I feel this special offer program is a fraud. I am owed {$140.00} by American Express.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified has an account that is reporting late payments inaccurately.

Below are the following accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

The company has acknowledged this error and has committed to updating the status to closed/never late. Other credit bureaus have already corrected the status of the accounts after the companies recognized the inaccuracy of the accounts.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX XXXX Balance {$150.00} XXXX XXXX XXXX Balance {$510.00} XXXX XXXX XXXX Balance {$17000.00} XXXX XXXX Balance {$13000.00} XXXX XXXX XXXX XXXX Balance {$0.00}
Product: Credit reporting or other personal consumer reports

Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account Number:XXXX XXXX Creditor Name : XXXX XXXX XXXX  Dear CFPB , I am writing to formally file a complaint against XXXX XXXX XXXX for inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ).

CARES Act During the national emergency caused by the COVID-19 pandemic, I applied for and was approved for a financial relief program provided by XXXX XXXX XXXX . Under the CARES Act, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law.

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report.

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by XXXX XXXX XXXX about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under TILA.

Request Therefore, I request that the CFPB investigate this matter and require XXXX  XXXX XXXX to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect.

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Santender I have sent disputes to each agency and they are not sending verification of how the accounts are valid and they need to delete them from file because there is no contract and they have been paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrote Experian a letter, and mailed it on XXXX, and advised Experian that I am a victim of XXXX & Experian security breach. Advised, Experian to delete the following inquiries that are an result of the breach. Have not received any correspondence from Experian. The following inquiries are part of the breach, which I requested deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies have reported late payments. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDITION, I HAVE TRYED TO CALL COMPANIES STILL NO RESOLUTION TO MY VIOLATION. 15 U.S. Code 1681a - Definitions ; rules of construction U.S. Code Notes prev | next ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.

( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

( c ) The term consumer means an individual.

( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Mortgage

Hello, simply put we submitted thru our current home loan provider ( Citizens One Home Loans ) for a refinance. Submission and pre-approval was on XX/XX/2020. Submitted all requested documentation three times over the past six months. Loan officers have changed twice, no notice received from Citizens. Current loan officer and processor have never ever, not once reached out to us to keep us in the loop. We have always had to either email/call to get updates on the refinance. They have made excuses every time we have contacted them why the loan is taking so long, asking for more documentation ( which we previously submitted ). Due to this extremely well over due process we have lost out on many areas why were refinancing, case in point lumber cost has tripled etc, contractor fees have doubled. To date we have not heard a peep in the past two and half weeks on what and when we can finish the refinance process.
Product: Debt collection

On XX/XX/2018, I was notified by XXXX of a negative report that was furnished to it by XXXX XXXX XXXX XXXX. This company reported that I owed it {$96.00}. When I called they purported to represent XXXX  Hospital and claimed that the {$96.00} was the result of a medical bill.

To date, I have never received such a bill, nor have I received any verification of this debt. Yet, Med Data Systems has reported same to XXXX and possibly several other credit reporting agencies. I have concerns that this could be the result of fraud or identity theft.

I have also not received any information concerning the types of treatment that was allegedly rendered, or information about the treating physician, etc. I have since sent out a letter to this company requesting this information, but have not yet received a response. I've also asked for documentation verifying the representation of XXXX  Hospital. I even called seeking this information, yet the company was unable to provide such information verifying the relationship -- that it is in fact authorized to collect a debt on behalf of XXXX Hospital.

This feels like a scam and I am very concerned that my privacy has been compromised.
Product: Checking or savings account

I had a chime bank account, I put in three disputes, spoke to someone over the phone and let them know that I noticed money was being used from my account, it was also overdraft. I let them know everything and they told me they were going to fix everything. Two days later I received an email that my account was closed. They didn't help me or let me know the reason why the closed my account. My credit score also dropped XXXX in one day! Someone has compromised my phone and accounts I need help please!?!
Product: Credit reporting or other personal consumer reports

I received an email from NetCredit saying my application was denied, but I have not applied for anything in over a year. The creditor listed on the email is XXXX XXXX XXXX XXXXXXXX XXXX. This business is not listed at the address provided, not do any of the phone numbers provide any option other than asking for your social security number. This is a fraudulent business that needs to be reprimanded. I'm very frustrated because I have been avoiding inquiries to improve my credit and this will set me back until removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is stating that I co signed with my mother on a student loan that I did not, all of her loans have been discharged or cleared based on her XXXX  and XXXX  XXXX. Therefore I should not be held responsible for any of her loans, as I've never co signed with her on any of her student loans. I have faxed in documentation as well as sent documentation to XXXX by Certified mail which they are stating they never received yet, based on the tracking information the documents were received by mail. Based on status of fax all documents were received. The account XXXX is on a letter I received on yesterday the XXXX with a loan number of XXXX as being confirmed as accurate. They were not able to locate the account number for the above loan number. I spoke with XXXX on today with XXXX and she stated that they are not showing where they received the fax or letter with all of my information DL, SSC, XXXX letter for my mother, hand written letter from my mother, and a typed letter from me. Where is my information? Problem 1, my social security card is out there with my DL information they claim they do not have, 2, the is information is incorrect, 3 it needs to be removed from my Experian credit report it isn't reporting on any of the other reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the du ration of six mo nths I have called as well as sent in the proper documents which consists of police reports and identity affidavit to show that an account which is  XXXX   XXXX  and  XXXX  for the amount of  XXXX  an inquiries which will listed below for resolution on my credit report was identity fraud. Due to all of communication and documents I have still yet to have the account removed off my report I have tried multiple times I would like the account as well as inquires that I did not authorize to be removed.
Product: Mortgage

During covid i selected to utilize the forbearance option on my mortgage. once the forbearance period ended, I was given three options to satisfy my outstanding balance plus getting back to my normal monthly payment schedule. Thinking it would be in my best interest to modify the loan to include the outstanding balance i selected the loan modification option. once selected i followed the trial payment schedule to a T. 120 days later the mortgage servicer Shellpoint was ready to modify my loan. 24 hour prior to signing the loan modification documentation i was notified that my credit report was hit by shellpoint with a over 120 day late payment on my mortgage. I contacted Shellpoint and they agreed i have been making my monthly trial payments and that payment is going towards my monthly mortgage payment. I have requested documentation from shellpoint that states by selecting the loan modification option it will adversely effect my credit report. No such documentation is available or has been provided. I asked how to fix this and they didn't have any suggestion but to file a complaint. why would XXXX XXXX or XXXX XXXX every provide options that would so negatively impact the end consumer. I have never in my life missed a schedule mortgage payments. My credit went from a XXXX to a XXXX over night.
Product: Credit reporting or other personal consumer reports

On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian Information Solutions INC. because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an accounts for XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX. This has cause me great anxiety, stress, and financial hardship.
Product: Mortgage

While I have another complaint in on Ocwen Loan Servicing regarding my " Work Out '' Remod loan and I am dealing with that, I had this conversation with their Ombudsman Office this week and was quote alarmed. It seems that Owcen Loan Servicing 's Right hand does not know what the left hand is doing? They were showing that I had agreed to a Deed-in-Lien, which I never did? This has caused a real problem on the process of a remod loan. The below is a summary of that discussion and I am asking your agency to get involved in the matter. I am also coping my HUD representative and Congressman 's office. 

Thank You Conversation with Ocwen Office of the Ombudsman - XX/XX/XXXX Ocwen Loan Servicing XXXX XXXX Office of the Ombudsman Loan # XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXXXXXXXXXX XXXX ; As per our conversation today, I HAVE NEVER, agreed to a deed-in-lieu of foreclosure and have always been involved in a " Work Out Program '' for a loan remodifcatiion. The current paperwork my relationship manager has with your company indicates the same. You indicated the reason the trustee sale for our property dated XXXX/XXXX/XXXX was placed on hold was due to a problem with a clear title and you were going to go back immediately and get this resolved so the property will not be rescheduled again for a sales. I have always wanted to KEEP the home and have never wanted to turn the home over. If that was the case then why? have I been working with your relationship managers since XX/XX/XXXX to get a remod completed. I have also asked you to reach out and make sure my relationship managers superior calls me ASAP to find out why I am having to completely fill out a new workout package again for the fifth rime?. Someone did call me last week ( believe a supervisor ) but the only message they left was to call the customer service number. That does me no good! Please have someone call again and if I am unable to take the call, leave a number a can call them back! I did receive a partially completed packet from my relationship manager and he did ask for a signature and to return back to him, but only part of the packet was completed? I need to get clarification from his supervisor ASAP. Finally, I am very upset that this has not only taken almost four years, but now your company is trying to say I wanted to turn my home over to Ocwen when in fact, that is the opposite. We are also waiting on a response to our demand letters, which you have said a response would be back by XXXX/XXXX/XXXX to the Consumer Finance Gov, Congressman 's XXXX XXXX office and myself. 

In summary, their first response is very disappointing and one that is totally unacceptable. I hope to get our new response going ASAP.
Product: Credit reporting or other personal consumer reports

( Account # XXXX. ), was charged off on the ( XXXX, XXXX  ). Since then the account has repeatedly continued to update as charge off every month which is an update in payment history. A charge off shouldnt include an active payment history. This false information manipulates the statute of limitations. You failed to investigate this information properly and your neglect has violated my rights. Am demanding a deletion of the following account. 

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

Credit inquiries I didn't make on my credit report. I have no knowledge of them
Product: Credit reporting

Experian reports my Revolving Credit Limit as {$110000.00}. 
Adding up the open credit cards ( XXXX ) they list in the same report, comes to {$44000.00}. 
They are unresponsive, uncooperative and abusive. 
I 'd like to get this apparent error either corrected or the provenance of the number explained but Experian is rude, unprofessional, and exasperating. 
PS, do n't fall for the 'it must be the real estate loans ' because they are reported accurately and no mathematically correct way exists to get the numbers reported to match up. 
PPS, the 'upload ' dispute system does n't work and, after going through all the hassle, you get a message that tells you to send in your complaint by snail mail. Even that would be OK if it worked. 
I anticipate that Experian will deny all, that, in my opinion, appears to be their MO. 
Please publish this.