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

I had written a 609 letter and asked all three Credit Reporting Agencies to show proof of how they validated the debt showing on my credit report as a Chapter XXXX Bankruptcy from XX/XX/2012 reference number XXXX. 


None of the companies have responded. The Bankruptcy is not valid and needs to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

accounts not properly investigated by experian XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX  Account number Account number XXXX Accounts not properly investigated by experian please remove accounts immediately. No proof of accounts was sent to me after investiagtion.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX ( XXXX ) XXXX [ XXXX XX/XX/XXXX Via Certified Mail Return Receipt Requested XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Re : Dispute of Unverified Debt CFPB Complaint Pending Account Number : XXXX To Whom It May Concern, I am formally disputing the validity of the debt that you are reporting to the credit bureaus under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2. Your company has failed to provide proper notification of this debt or evidence that I am legally responsible for it. Additionally, your failure to provide written notification before reporting it to the credit bureaus constitutes a violation of my consumer rights. 

Under 15 U.S.C. 1692g, a debt collector must provide the consumer with a written validation notice within five days of initial communication. I have not received any such notice, and therefore, I dispute the validity of this debt. Furthermore, under FCRA 15 U.S.C. 1681b, you do not have my express permission to report any information about me to the credit bureaus without proper validation. 

Additionally, in XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ) **, the court held that a debt collector must validate the debt before attempting collection. As I was never given an opportunity to dispute or verify this debt before it was reported, you are in direct violation of this precedent. Furthermore, the failure to notify me before reporting the debt constitutes **negligent and willful noncompliance** under 15 U.S.C. 1681n and 1681o, making your agency liable for damages. 

I am demanding the immediate **cessation of all credit reporting activities** related to this account and the removal of this item from my credit report. If this matter is not resolved promptly, I will have no choice but to file a formal complaint with the **Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. ** Additionally, I reserve the right to seek legal action for any continued violations of my rights under the FDCPA and FCRA. 

Please provide written confirmation within 15 days that this debt has been removed from my credit report. Failure to comply will result in further legal action. 

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

On XX/XX/2019 a letter was sent to fed loan in regards to a consolidated loan/deferrment that was approved but does not reflect on credit reporting. Account shows current however in credit reporting shows 90 days late
Product: Credit reporting or other personal consumer reports

As per guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXX Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142. ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking fo of Debt XXXX and would like for all listed account to be block and deleted company information Transunion. Please delete the following accounts. Acct- XXXX XXXX XXXX XXXX Acct- XXXX XXXX XXXX XXXX XXXX Acct- XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request the placement of a fraud alert on my LexisNexis credit report and credit file. I believe that my personal information may be at risk of identity theft, and I would like to take this precautionary measure to protect my credit and personal information.
Product: Credit reporting

Prior to being late with XXXX {$110.00} zero-interest motorcycle loan payment to XXXX XXXX XX/XX/XXXX, my credit score had been in the high XXXX. As soon as the late payment came to my attention, I immediately made up the payment in XX/XX/XXXX, however by then that mistake had caused my credit score to drop by XXXX points. After contacting XXXX about this their initial response was to go speak to the credit reporting agencies because " there 's nothing we can do about it '' while the credit reporting agencies would say the same about XXXX XXXX. Extremely frustrated, I wrote them an angry email, to which they sent me a letter acknowledging their mistake. However, my credit score is still in the low XXXX and my payment and credit history has been stellar as before my late payment. My wife and I are very upset about this incident - since we are trying to refinance, my much lower credit score is affecting the interest rate that we 're being offered by as much as one percentage point. 

Attached is the letter acknowledging their " system error '' and my FICO credit score history from my most recent XXXX XXXX statement. As you can see my score was an XXXX prior to the one late payment, and even though as of XX/XX/XXXX it shows that it 's gone back up to XXXX, for a reason that no one seems to be able to explain, this score is not reflective of the score that the lenders see when they pull my credit ( the lender is using Transunion 's Classic XXXX FICO model ). My median credit score provided to lenders is still XXXX, which is still too low to qualify for an optimal interest rate. I wish someone could explain to us why there is more than a XXXX point difference between what the credit score I receive and what the lender receives.
Product: Mortgage

I filed a complaint on cfpb and shellpoint mtg fixed the problems correctly as I asked. 6 or 7 months later they reversed the fixes. XXXX is the original complaint.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect address : XXXX XXXX XXXX, XXXX, CA, XXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXX Ct XXXX XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.
Product: Checking or savings account

On XX/XX/XXXX, I received a text from my bank, Chime, asking if I authorized a charge. i replied no. They replied that they would contact me shortly. ( Copy of text was provided to Chime along with my dispute ). I received a call from what I thought was Chime. The person on the other line knew recent transactions on my account, so nothing seemed out of the ordinary. They stated that someone was attempting to withdrawal via a pay app from my account in the amount of {$900.00}. At the conclusion of the call, they stated that my money was secure and any funds would be returned to my account within 5 minutes. After taking my daughter to her appointment, I called Chime back to confirm everything was settled. They did not know what I talking about. Since the funds were not returned and I found I was hacked and my account cleared of the {$900.00}, I filled a dispute. The next day I received an email from Chime stating that no fraud was found and my funds would not be returned. I replied to the email requesting further explanation of why I would not receive the return of my funds. They sent back a generic reply on how to file a dispute which I already had and they denied.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a serious inaccuracy on my credit report. It is my right under the Fair Credit Reporting Act ( FCRA ) to have a credit file that is 100 % accurate, and the information currently being reported is incorrect.

1. The information in question does not accurately reflect my credit history or account activity.

2. Despite my efforts to resolve this issue, the inaccurate data has not been corrected.
Product: Student loan

I have been paying on this loan since XX/XX/2013 and the balance is still $ XXXX, my monthly payments continue to increase without any explanation, a representative told me this morning that I could save {$8.00} if I enrolled in automatic draft from my Savings account. My car payment is cheaper than my monthly loan payment and my balance is not changing at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occasion I have submitted proof to XXXX, Equifax and XXXX  by forwarding them, ( ID THEFT REPORT ). Stating that the, XXXX XXXX accounts are a result stolen identity. These reporting agency have failed to provide me with any proof of how the creditor has my information. I have also forwarded them, letter corresponding to my right thru Fair Credit Act, til day there has been no efforts to remove these accounts from my credit report.
Product: Mortgage

This is my 2nd complaint against ocwen loan servicing. First compliant # XXXX. 
Since the initial compliant I've been inundated with request for duplicate documents. This has been going on for almost a year. Now i received a letter stating i have a new account manager and he is requesting all the same paperwork already submitted months ago! I'm attaching my most recent email to him explaining EXACTLY whats been happening. Now instead of ocwen calling me, like they've always done, now they are calling my boyfriend 's phone leaving messages in XXXX! I've never come across a company with such less than competence and willingness to work with people of all ages, backgrounds, situations and income statuses. All I'm trying to accomplish is reformatting the mortgage to be able to make monthly payments and also to pay back the money i owe. I'm begging a company to work with me and take my payments and i still have no success with ocwen loan servicing company.
Product: Mortgage

The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX after twelve of  my mortgage paid off with XXXX XXXX XXXX in XX/XX/XXXX illegally harassing me and filing illegal foreclosure action in XX/XX/XXXX with no proof of transferred of mortgage and illegal securitization without any proof under Federal Truth In lending disclosure act. In addition, Nation Star Mortgage also engaged in frivolous and debt collection as a separate company with no relationship or business dealing in any shape or form. XXXX XXXX XXXX cancelled and discontinue foreclosure action in XX/XX/XXXX for lack of proof of valid debt as a matter of law. In XX/XX/XXXX, XXXX XXXX XXXX XXXX has my property listed as cash management. I do not owed any mortgage. How can you have a mortgage of $ XXXX, $ XXXX, and $ XXXX. The debt debt instrument was refinanced in XX/XX/XXXX and paid off at closing. I am target of manipulation and illegal debt or security instrument. Instrument was disposed in XX/XX/XXXX. Been harassed 12 years latter. The subject property address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ny XXXX. 

XXXX XXXX XXXX XXXX located at share, XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX XXXX, XXXX, NY XXXX represent XXXX XXXX XXXX XXXX.  Telephone ( XXXX ) XXXX. 

Nation Star Mortgage is located at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. 
Telephone ( XXXX ) XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 

XXXX XXXX XXXX XXXX, Attn : XXXX XXXX located at XXXX XXXX. XXXX XXXX, XXXX, TX XXXX with telephone ( XXXX ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER CHECKING MY CREDIT REPORT, I HAVE IDENTIFIED AN ACCURATE ITEM THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I AM ASKING THAT THIS ACCOUNT BE RE-INVESTIGATED AND REMOVED OFF OF MY CREDIT AS SOON AS POSSIBLE.
Product: Mortgage

By failing to adhere to both California law and the rules under CFPB, The party ( ies ) complained of in my initial complaint are not compliant with rules regarding dual tracking. The Parties are " covered '' under both California Homeowner 's Bill of Rights and the CFPB 's strict guidelines. 

I have a valid and complete loan modification package that has been acknowledged as received and no notice of deficiency of documentation has been received by me. I just received another Notice of Trustee during the pendency of my application. 

The Parties have also failed to respond to the initial complaint with competent and reliable evidence that supports all facts contained within all recorded title documents that were used against my contract rights. Specifically, the assignment ( s ) of deed of trust to an un-verified entity, Notice of Default, Notice of Trustee Sale. No authenticated evidence has been offered by the offending Parties by any person with personal, first-hand knowledge of those facts. I am not in default to an unknown, un-authenticated party that is currently in my chain of title without competent evidence to support the beneficial interest. 

In addition to this I have completed a request for modification affidavit and sent this to Select Portfolio Servicing, Inc. in XXXX I have received no response to my request for loss mitigation options. Instead, SPS has elected to put my home up for auction on XXXX XXXX, 2015. I feel this is a gross violation of my rights according to XXXX Code XXXX.
Product: Debt collection

Recieved 30day notice dated XX/XX/XXXX from Calvary Portfolio XXXX debt buyer ) regarding a XXXX account. Replied on XX/XX/XXXX with a Validation of Debt request per 15 USC 1692g Sec. 809 XXXX b ) of the FDCPA statute. Did not reply in 30days or at all as required by the statute for them to continue collection efforts including but not limited to reporting to Credit Bureau 's. Notified them in writting of Non Compliance and it no longer being a pursuable debt on XX/XX/XXXX. Written and reported collection efforts continued so further notice was made on XX/XX/XXXX and a FINAL notice that action was being taken on XX/XX/XXXX. Notified Credit Bureau XXXX XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX but the debt buyer Calvary Portfolio still has not been removed from my report, only marked as disputed. 

I have followed all requirements and statutes per this acct and their actions with no results and am now feeling harassed since they do not and have not responded to myself directly regarding my dispute and or validation, NOT verification, request.
Product: Credit reporting or other personal consumer reports

I just got my credit report and some Accounts on my credit report are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ). 
You also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681 ( 5 ) ( A ) ( ) & ( ii ) Any person who fails to comply and fix this matter will be held liable under 15 USC 1681n which is civil liability for willful noncompliance. 
Accounts My rights have been violated under 15 U.S. Code 1692b - Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communicationrelates to the collection of a debt; and ( 6 ) after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorneys name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to communication from the debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having multiple issues with this company and they still refuse to update the false credit reporting. I was under the covid forbearance program and while i also had significant issues with that process, they are refusing to comply with the terms and still reporting the forbeared amount ( {$11000.00} as delinquent ). I have resumed making my payments consistently since XX/XX/XXXX and also in some cases made more than my regular payment amount and they have not been applying the excess amount correctly. 
They have also reported incorrect information in my credit reporting which was reported XX/XX/XXXX. These are all the incorrect information to date : 1. Reporting forbearance from XX/XX/XXXX through XX/XX/XXXX ( 17 months ) instead of 9 months ( please note that they should not be reporting this in the first place per CARES ACT ) 2. Reporting XXXX XXXX payment late even though they received payment per transaction report I pulled from their page. This homeloanserv transaction statement showed I pay {$1400.00} monthly and they only apply {$1300.00} which is incorrect. 
3. Month end balance as of XX/XX/XXXX is {$160000.00} and they are showing {$170000.00} 4. They are showing a monthly payment of {$1300.00} on credit report even though my monthly payment is {$1300.00} The number of inconsistencies is mind boggling to say the least. I called again today and spoke to XXXX who was beyond rude and asking me to email their support team even though I have done this on multiple occasions with no response to date. 

This loan servicing company is not complying with regulations and especially not following Section 6 of RESPA as they have refused to respond to any of my written requests. Please see attached the request emailed and sent to them on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the inaccuracies and errors that continue to appear on my credit report despite my repeated efforts to rectify the situation. These erroneous reports have definitely caused considerable inconvenience and negatively impacted both my financial stability, mental health, and emotional wellbeing. 

In addition to these removal, I am writing to formally request an update to my employment information. The details are as follows : I have been working at XXXX XXXXXXXX XXXX since XX/XX/XXXX. 
The name of my company was originally XXXX XXXX XXXX. 
XXXX XXXX XXXX was incorporated on XX/XX/XXXX, as indicated in the attached corporate formation documents. 
The name of the company was changed to XXXX XXXX XXXX in XX/XX/XXXX. 
The tax ID number for both entities remains the same.
Product: Vehicle loan or lease

I was attempting to sell my XXXX XXXX XXXX to a private buyer that I met on XXXX. My car was listed for $ XXXX. The buyer sent me a check for {$33000.00}. He told me that the extra money was for a courier to pick up the car and take it out of state. On XX/XX/XXXX, I deposited the check and informed the bank, Alaska USA, that I deposited a check to satisfy the lien. I was informed that same day that the check cleared. I then called back the next day, XXXX hours, XX/XX/XXXX to verify the check did indeed clear. I was told that check DID in fact clear. I then proceeded to communicate with the buyer that he was the new owner of the car and asked how he wanted to proceed with the transfer of ownership. The buyer asked me to send him {$3600.00} via XXXX to pay for the courier. I sent 4 installments from my personal checking account - ( XXXX. XX/XX/XXXX - {$950.00} ; XXXX. XX/XX/XXXX - {$950.00} ; XXXX. XX/XX/XXXX - {$850.00} ; XX/XX/XXXX - {$900.00} ) thinking I would receive a check from the bank ( essentially reimbursed ) in a few days because I paid over the lien amount. In Arizona, to complete a private auto sale, a Bill of Sale must be completed. When asking the buyer to send me his information to complete the paperwork, communication became very spotty and I became suspicious. On XX/XX/XXXX, I called Alaska USA and asked them the status of the check that was deposited. I was then informed that the check was fraudulent. I asked the bank when anyone planned on telling me and the person said they would mail back the check several days later. Had I not called on XX/XX/XXXX, I would have never known the check was fraudulent. Further, and more importantly, I was scammed out of {$3600.00} all because I was given bad information from the bank saying that the check cleared. All this could've been avoided if I was given the correct information and promptly informed when the bank realized the check was fraudulent. I have filed a police report with the local authorities
Product: Credit reporting or other personal consumer reports

The existence of this account has caused me significant XXXX, to the point where it is affecting my ability to XXXX. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.