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

It has come to my attention that the charged off account being reported by XXXX XXXX and the 3rd party collector are not in accordance with the Fair Debt Collection Practices ACT ( FDCPA ) ), 15 U.S.C. 1692 et seq : Unfair Practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect a debt. Specifically, a debt collector may not A creditor will usually charge off a debt when a consumer fails to make monthly payments for six consecutive months, at which point the account is closed to future charges, although the consumer still owes the debt. Many creditors will not collect interest on a charged off debt even if they have the right to do so. Upon speaking with the creditor & debt collector an additional {$150.00} in interest and late fees has been added to the principal balance of {$350.00} since the loan defaulted in XXXX. Per their loan agreement there is no arbitration, clause or disclosure informing the consumer of any additional interest or fees that would or could be added in the event of the account being charged off. Please reference Disclosure of Interest Accrual The second hot topic issue is how debt collectorXXXX must disclose to the debtor the accrual of interest, if at all. Section 1692g ( a ) ( 1 ) of the FDCPA only requires the debt collector to state the amount due when communicating with debtors. Courts have been left to interpret how exactly the debt collector must disclose the accrual of interest. Various judges have reached opposite conclusions in interpreting this section. 
A Pennsylvania judge in Jones v. Midland Funding, LLC, 755 F. Supp. 2d 393 ( D. Conn. XXXX ), granted summary judgment to Jones, holding that Midland violated Section 1692g ( a ) ( 1 ) where Midland stated the balance due in its initial letter, the subsequent letter stated a balance due for a greater amount, and neither letter mentioned interest accrual. The court determined that only the initial letter violated the FDCPA because it failed to state that interest was accruing and the rate at which it was accruing. Another Pennsylvania judge in Lukawski v. Client Servs., Inc. , XXXX U.S. Dist. LEXIS 124075 ( M.D. Pa. XX/XX/XXXX ), considered a case with slightly different facts and ruled that where the first letter discloses that interest will accrue, subsequent letters must also disclose the accrual of interest.
Product: Credit card or prepaid card

On XX/XX/2022 at XXXX, I had contacted PenFed customer service regarding my PenFed Gold credit card ending in XXXX. I spoke to a customer service representative XXXX about my account such as the current balance, pending charges, credit line, and credit limit. I asked her about my savings account that was required to opened the credit card. She said that everything on her screen was deliberately blocked and had my whole account into permenently ineligible. So I asked if she can speak with someone from the Fraud Department and the person she spoke to is XXXX. XXXX work for the fraud department and she refused/ignored to give her full name and position but also put in request to close my account today for whatever reasons she did not disclosed. I had given the company all/any mandatory requirements they had asked me before granting me the card. XXXX also told the customer service rep to tell me that I will received an explaination on the mail about the issues. The company said that I owed {$64.00} which I agree to pay by mail to cover the charges that I used on the credit card. They was also giving me a hard time about the address where I can send the payment and also told me when they close my account, I had to contact the credit bureaus and explain the reason why my account was closed even though it was not my fault in the first place. 

The company PenFed had given me the " Absolute Approval '' then they had a second thought about it so decide to the close the credit card including the saving account that is needed to activate the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently found out that a Citibank student loan was a " private '' loan that i had received while attending XXXX University. I was led to believe that all the students loans from that period were NOT private loans. When the loans were consolidated -- it was discovered that the Citibank loans were indeed private loans. 

I contacted Citibank and discovered that the loans were housed in their collection unit. I spoke with someone on the phone and asked for him to delivery to me of the original instrument of indebtedness in its original form. On XX/XX/2019, I received communication with the following information : application, promissory note, and disclosure statement. 

CitiBanks keeps re-aging these accounts to reflect current parameters and, upgrading to reflect negative information on my credit file. There is no Original Date of Delinquency listed on any of the credit files. 

I have sent communication to the three credit bureaus to delete unverified and inaccurate information, And, I have sent communication to Citibank, directly.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 ( Sunday ) we vacated our apartment and left a letter with keys in office with reception. Credit report shows that IQ Data reported collection on XX/XX/2023 exactly 9 business days after we moved. There has been NO attempt at contact from the landlord ( XXXX XXXX ) or IQ Data. No documentation has been received from anyone. The problem is due process seems to have been violated and whatever specific laws allowing for timely attempts to contact myself. i was never given an opportunity to resolve from initial holder. 

This company violated the No Packing Rule. Additionally, the, " 30 day Collection Cease and Desist ( 13 disclosures ). 

This item needs to be removed from my credit report based on lack of timely reporting, contact and specific laws forbidding improper timely reporting
Product: Mortgage

XXXX XXXX XXXX Per a previous CFPB complaint with Ocwen Loan Servicing, Ocwen raised an additional question that must be answered. Please provide a written response along with documentation to each of our questions. Ocwen Loan Servicing stated that our investor loan number is XXXX. Now, this investor loan number ( XXXX ) belongs to XXXX which is on a copy of our Note and Deed of Trust. This loan was created on XXXX XXXX XXXX with XXXX. Ocwen is fully aware that XXXX and all of its affiliates went chapter XXXX in the District of Delaware on XXXX XXXX XXXX, file # XXXX. This means that XXXX is not the investor any more and is a non-existent company. 
First, why did Ocwen fail to provide the current investor loan number as we requested? 
Second, what is the correct investor loan number? 
Third, what investor or company does this investor loan number belong too? 
Forth, the information that we are seeking is NOT proprietary and confidential but rather Ocwen Loan Servicing considers this information confidential. Since this information pertains to our loan, we are entitled to have this information. So, why is Ocwen Loan Serving failing to answer our entire questions in detail and provide us documentation as we requested? 
Fifth, the investor of our loan is NOT XXXX, so please do not provide XXXX loan number! If Ocwen does claim that XXXX is the owner of our loan, then we request documentation that this loan was sold from a previous investor to XXXX and not transferred or assigned which was done unlawfully by Ocwen Loan Servicing, claiming to be the assistant secretary for XXXX XXXX, per the Assignment of Deed of Trust dated XXXX XXXX XXXX. NOTE : Since XXXX XXXX is not the investor per the Deed of Trust dated XXXX XXXX XXXX ; XXXX XXXX can not legally sell, transfer or assign our Deed of Trust to another investor or company! A Deed of Trust allows the current lender to foreclose and sell the property if a person does not make their mortgage payments. Per documentation, an Assignment of Deed of Trust allows the lender to sell the loan to a different lender. A mortgage lender is the only person or company that can legally sell a mortgage and provide an Assignment of Deed of Trust anytime before it is paid off! 
Sixth, is Ocwen Loan Servicing aware of the fraud that has occurred with our Note/Deed of Trust? 
Seventh, due to the fraud that has occurred, is that the reason that no one that is affiliated with our Note/Deed of Trust will not answer our questions and provide documentation as we have requested? 
Eighth, is Ocwen Loan Servicing aware that a state or federal court order can be issued for Ocwen to comply and answer all of our questions under oath? 
Ninth, is a court order needed to have Ocwen Loan Servicing comply with our requests, answer truthfully and provide documentation?
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX i was notified of a credit issue / found that a New bankruptcy was put on my credit report from XXXX / TD auto finance. they both had reported me late and wage earner plan chapter XXXX. / chapter XXXX was filed in XXXX they was only notified XXXX closed my account in XXXX and reported me late and discharged through bankruptcy. 
i reported them as inaccurate. I had a XXXX  balance at the time that i filed in XXXX owed no money. i was never late on any payments now. 2 years later they put me down for a new bankruptcy and added 2 more years XXXX to get it off. They were not a part of my repayment plan. My chapter XXXX case closed in XX/XX/XXXX. paid in full / Paid TD loan off was never late and was not part of the chapter XXXX i paid on time outside of my plan. This has been misreported from the beginning and i cant seem to fix the errors on my own.I need some help. Recap i never owed XXXX any money never late and never was discharged under chapter XXXX TD paid in full on time never put in chapter XXXX bankruptcy. Both reported me to the three main credit company On XX/XX/XXXX as delinquent account
Product: Debt collection

I was offered a settlement from diversified consultants for a  XXXX   XXXX  bill. I paid the {$200.00} to settle the debt. They have not corrected my   XXXX   credit report. I have spoken to representatives of diversified consultants and  XXXX . My 1st dispute was submitted on  XXXX   XXXX   2017 with  supporting documentation. They did not correct the problem. I submitted a second dispute on  XX/XX/XXXX  and I received the results yesterday and the update has not been corrected. The report still shows a balance of {$87.00} due and instead of the account being closed it says placed for collection.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and unauthorized credit inquiries have been made on my credit report without my permission. Specifically, the following inquiries were made without my consent : 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 XXXXXX/XX/XXXX These inquiries were not authorized by me, and I did not apply for credit with any of these companies. I am concerned that my personal information has been compromised and is being used fraudulently. 


These unauthorized inquiries have negatively impacted my credit score and have caused me significant stress and concern. I am worried about the potential financial harm that could result from this identity theft. 

I am requesting that these unauthorized inquiries be removed from my credit report immediately. I also ask that these companies take steps to ensure that no further unauthorized actions are taken using my personal information. 

Please acknowledge receipt of this complaint and provide me with an update on the actions taken to resolve this issue.
Product: Debt collection

XXXX advises my account is current however Convergent alleges they are collecting a dept on their behalf.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account in which it keep disputing that does n't belong to me which is XXXX XXXX XXXX by something called XXXX XXXX and I would like it remove off my credit report as it does n't belong to me and is fraud {$1700.00}
Product: Credit reporting or other personal consumer reports

I have no connection to the mentioned creditors, and I am not responsible for these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, we attempted to unfreeze our Equifax accounts to refinance our mortgage. I went online and was able to unfreeze my account, but when I attempted to go to my wife 's account I was unable to log in to the online account and was only left with a number to call. After calling the number you are forced into an automated service that first tells you about promotions then has you verify basic information. I was able to do this even though it takes about 5 or so minutes.

It asks you vague questions about your credit history past. Some of these questions are so vague that it is impossible to answer such as " Have you ever had a jewelry, auto, retail or finance account? '' or " What was the mortgage lender you had in XXXX? '' I got this one wrong because I think it was the original mortgage lender that we had when we bought our house that was then immediately sold to another lender, and then sold to ANOTHER lender. And it dates back 7 years!

After failing their tests, we were locked out of our account, I think, because the automated system does not tell you that you are locked out, it will only inform you that it is unable to help you after you call back and go through their series of questions AGAIN. I was trying this for at least 2 hours. I had to go online to search the internet to see where I could talk to an actual person ( this was through a completely different number and some steps ).

When we were able to connect to an actual person, we also somehow failed their questions, and were told the only way to contact them at this point was through mail or fax. The customer service person could not help in any other way. Was not able to tell us why our online account was locked or help us unlock our account in any way. We were also told that it would take 5 days after they received our information by mail or fax before they could help us. This time delay would make it so our loan was invalid. Also, because of COVID we do not have access to a fax, and even in regular times would not have easy access one. 

This whole process is EXTREMELY frustrating to say the least.
Product: Mortgage

I 'm a previous customer that completed an approved Short Sale in 2015. I received my XXXX yesterday in the mail, it is incorrect. I made ( 4 ) separate calls to Citi Mortgage this morning, where no one could assist me apparently. I spoke to XXXX associates in Loss Mit and XXXX associates in Customer Service and XXXX Customer Service Supervisors. 
I was advised that by no means could I receive any kind of assistance from Loss Mitigation and to contact XXXX, this is the contact number that I used to reach them already. They stated not able to assist me there and placed me hold and the call dropped. The issue with the XXXX is that it shows the amount the house was bought for rather than what was still remaining after sale, ( deficiency amount ). 
This information has also been sent to the IRS and I 'm quite honestly appalled that better controls are not being practiced and performed to ensure that at minimum I ( the customer ) and the IRS are not being misinformed. CitiMortgage seems to not be able to communicate or reflect clear conscise information about the status of my loan. Per customer service it shows as closed, no further information. On the XXXX it shows foreclosed and when speaking to Loss Mit it shows completed ( short sale ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you that I was the victim of identity theft. I researched how to remove the fraudulent accounts from my report and found that I needed to visit the Federal Trade Commission, or https : //www.ftc.gov, to file a report. Credit reporting agencies are required by FCRA Section 605b to remove or block any accounts listed on an ID theft report. Please see the attachments for assistance in blocking the incorrect information that is being posted to my report. 

These are the following lists of accounts that do not belong to me or were opened without my permission : XXXX Account # : XXXX Balance : {$19000.00} Date Opened : XX/XX/XXXXXXXX XXXX Account # : XXXX Balance : {$4400.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$1600.00} Date Opened : XX/XX/XXXXXXXX XXXX Account # : XXXX Balance : {$11000.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # : XXXX Balance : {$53.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) Account XXXX XXXX XXXX Balance : {$1300.00} Date Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) Account XXXX XXXX XXXX Balance : {$50.00} Date Opened : XX/XX/XXXX According to FCRA Section 605B ( a ), the credit reporting agencies shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

Complaint against Comenity Bank & Bread Financial : Purchase at XXXX XXXX was made on XX/XX/XXXX. 

Comenity Bank XXXX Bread Financial charged the wrong total amount and the wrong monthly payment, which amounts were also at variance with XXXX 's records. 

Visited XXXX stores several times and spoke with Comenity Bank/Bread Financial on the phone in the store during XXXX trying to resolve the issue to no avail, Called Comenity Bank/Bread Financial on XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, XXXX XXXX, and XX/XX/XXXX ( all in year XXXX ). Dispute case was opened internally by Comenity Bank/Bread financial in XX/XX/XXXX. 

According to Comenity Bank/Bread Financial staff who identified themselves as supervisors, specialists, and managers- as conveyed over the above listed phone calls- Comenity charged 4 different payment plans against one account and one purchase, resulting in an incorrect total account balance due and incorrect monthly payment. This information was supposedly not discovered by Comenity Bank/Bread Financial  in late XXXX, all previous attempts they could not figure out why the amounts were incorrect. 

Each month I was assured that they had 'resolved ' the issue, the total amount charged to my account and the monthly minimum due both changed radically, even to the point of being charged more than XXXX above the purchase price paid at XXXX XXXX XXXX 

To date ( XX/XX/XXXX ), the minimum monthly payment still is not correct despite speaking with Comenity Bank/Bread financial  supervisors, specialists, and managers multiple times. My dispute has had no resolution and all the agents I speak with indicate that the people handling the dispute are another department and they can not contact them realtime, nor transfer me to them for resolution, and they are very backed up, so there is nothing I can do but wait. 

It has been nearly 4 months with no contact from this so-called resolution department.
Product: Prepaid card

American Express gift card was used by unknown person in California on XX/XX/2017. We live in NJ and have not been to CA. Two {$1.00} charges to XXXX in XXXX ( card was supposedly swiped-magnetic transaction. Then on same day, online {$270.00} XXXX transaction which put the card at XXXX balance. American Express will not take any action and does not consider this fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting act. The list of account below had violated My federal protected rights to privacy and confidentiality under 15 USC 1681. 

Account name : Collection agency XXXX XXXXXXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX ACCOUNT NUMBER : XXXX 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 items 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

I am writing you this statement to delete the following information on my credit report. The items I need deleted are listed in the report. I am a victim of identity thief, I demand that you remove these errors to correct my credit report immediately! I have reported this to the federal trade commission and have attached the federal trade commission affidavit. Now that I have given you the following information, please correct my report or I shall proceed with involving my attorney!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I paid for certified mail which contained 3 dispute letters for XXXX, XXXX, and Transunion. I did not receive any updates or findings about my disputes and it has been 7 days short of a year since Transunion and XXXX received the letters on XX/XX/2020 and XXXX on XX/XX/2020. 

I have attached pictures of my receipt for the certified mail to be sent and wrote the days the companies received and signed for the mail containing my dispute letters.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, which has resulted in the unauthorized use of my personal information. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I request the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit report : Accounts to Be Blocked and Deleted : 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 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 XXXXXXXX