23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX of XXXX I attempted to sale my house. I was notified that there was a second deed of trust held by XXXX. I had filed for bankruptcy some years back and was under the impression that the second mortgage was dissolved but it was not. It was transferred through multiple servicing companies and ended up at XXXX mortgage company. I was notified by them that it was charged off and sold to Nationwide Credit Inc ( NCI ). I have had numerous phone calls with NCI and can not get any information from them. The account is either on hold, closed or they can not find it. I have requested that IF there is a balance what are the options for for settlement and I am always told I will receive a call back or an email. In which I never receive. On XX/XX/2022 I was told they could not locate the account and I would have to speak to an offshore supervisor that was located in XXXX so he would have to call me back. I asked if I could hold to speak to him since I have yet to receive a call back. The individual I was speaking to raised his voice and told me that was not an option. At this point after several attempts to get the Deed released to my property I am frustrated and do not know where to turn. Any assistance would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTN : Legal Department I would like the following information deleted. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information is not accurate .XXXX XXXX XXXX Closed : XX/XX/XXXX This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness. To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue. It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a timeframe for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. As well as The items that appear on my credit report as XXXX XXXX Inquiry from  XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX I have never done any business with this company and I demand a full investigation. I do not recall any payments or anytime timeline of activity ( DOLA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. On XXXX XXXX, 2020, your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested. I requested for a reinvestigation as my right under FCRA 611 and on XXXX XXXX, 2020, XXXX  did not delete as requested and just updated the accounts for The Bureaus Inc. As relevant proof I disputed these The Bureaus Inc accounts with XXXX  XXXX since XXXX  had a different name reporting along with my other personal information, as a result XXXX  deleted the erroneous The Bureaus Inc accounts from my credit report. I believe I have become a victim of Identity Theft. I have attached copies of my XXXX  credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act XXXX  accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15. U.S.C 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, a natural person spoke with XXXX at XXXX on XX/XX/2021 at XXXX XXXX. He stated Wells Fargo has verified all information on my credit report. I asked him if Wells Fargo produced documents stating written permission to furnish this information to my consumer report. He stated XXXX does not have this document and Wells Fargo never produced the document. The XXXX representative boldly stated they follow 15 U.S.C. 1681b - in regards to written instructions from the consumer to furnish a report. A clear violation because I never gave written permission to Wells Fargo or XXXX to furnish this account on my report. I demanded to invoke my right to privacy, Pursuant to 15 U.S.C. 1681 a ( 4 ). I never gave permission for this account to be furnished on my consumer credit report. XXXX is not reporting accurately. Both XXXX and XXXX do not report this information. A clear violation for reporting inaccurately. XXXX is using the excuse that " an unauthorized third party ''. They are refusing to fix this issue. XXXX is ignoring my demands to fix this issue and it is causing me mental anguish, stress and injury to my reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've called Capital One Auto Financing. Asked if they could update and report my payments accurately as to I have made payments on my account and have not missed 6 months of payments. I've also made them aware of my hardship that I faced and was out of work on XXXX at the time. I called and let them know that I was waiting to receive my XXXX check in which Took longer then 3 months to get. I was told that my account would be ok and go just pay when I get my check from XXXX. I did that and they reported that I haven't made my payments. I was told they don't do goodwill letters but I would like to have these late payments off my report as to they are hurting me. I don't think I should be penalties for being XXXX. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently my insurance premiums substantially increased resulting in XXXX dropping me as a customer after 30 years. I had to find alternate insurance and obtained XXXX. The issue I have is XXXX XXXX reported me as being " at fault '' for my one and only collision. ( I have had parking dings ). But the police report states it was a " no fault '' accident. I provided the police report to XXXX along with an explanation but nothing was done just a standard letter requesting more information which had already been provided. 

According to discussions with XXXX, they indicated they used the XXXX XXXX report to determine insurance premiums including any lapse in coverage. There was a 2 week lapse when I was not aware XXXX dropped me until the next premium payment was small. When I called to find out, I learned I no longer had XXXX Auto and immediately secured coverage. This lapse was a first for me and was immediately rectified. I am paying outrageous premiums now that are based on the assumption I was " at fault ''.
Product: Checking or savings account

On XX/XX/XXXX through the XXXX i was at a XXXX XXXXl. On XX/XX/XXXX I had my phone stolen, along with my ID, personal information, and all of my debit/credit cards. Whoever stole it went and made purchases with vendors who were working at the same festival I was at. I know this because on XXXX of my bank transactions it shows a website, and when i looked up that website XXXX it looks like XXXX XXXX merchandise from similar vendors who were there. So I assumed when they paid with the merchant that they just charged my debit card as a credit to bypass the pin. I was unable to get into my bank app to freeze my cards the evening it happened because i had my phone stolen, and couldnt login with another phone because it needed my phone number to send a verification code. By the time I left the festival, all of the Chase banks were closed. I couldnt contact Chase banks customer service due to the hurricanes happening so there was no one I could talk to. I went to the bank the next morning ( XX/XX/XXXX ) and they were unable to do anything in person because I didnt have my ID, but gave me a number to call. They provided me with temporary funds to make up for what the thief spent when I called the number they provided, but on XX/XX/XXXX I was seeing those same fraudulent charges made in my account again. I called Chase again and they were able to reverse it once again. But because I was at a music festival for 4 days, of course I would be spending money at the same places the person who stole my card had made, and when I spoke with the fraud department they asked if I made purchases with the merchants in the past. I did end up using my new debit card number to make some purchases at the festival on XX/XX/XXXX and XXXX, but nothing through the XXXX. The event happening was outside, so there werent any cameras to prove it was someone else using my card, and these vendors dont have a physical store where I could just go in and contact them. Chase bank had told me this morning ( XX/XX/XXXX ) there was lack of evidence proving that it was fraud and to get in contact with the merchant. They said if I provide any documentation i can appeal my case, but there is no way of doing so. I have no idea how to contact any of these vendors because they were just at booths, there was no company name or contact information set up. Its not like I can go back to the festival to get any proof. This has been a nonstop nightmare dealing with this for the past few weeks.
Product: Debt collection

i sent 2 Validation Letters To national Adjusters asking them to send me Proof or any Kind of Documents to showed me that i owe that Money they never sent a Single Document i called them and asked them to sent me proof Never Did i Finally File a Complain with XXXX XXXX XXXX 
i do not know this people they Violating My Rights and been Hurting My Credit Scores it Time for them to Stop.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have made this clear to this company. 

I sent the first letter to them on XX/XX/, letting them know I am a victim of identity theft and that 5 accounts were opened in my name. I went on to ask them to validate the accounts and remove them if they couldn't. 

I sent the second letter to them on XX/XX/XXXXXXXX letting them know that I know they have 30 days to verify the disputed accounts and that I hadn't heard from them yet. 

I am sending the third letter to them today, XX/XX/, letting them know that I still have not heard from them and that further action will be taken if they do not uphold the law in this matter. I told them that I fully intend to pursue litigation in accordance with the FCRA. 

I am sending the fourth letter on XX/XX/, notifying them of my final written offer of settlement before litigation as my attempt to resolve their continued violation of the FCRA regarding their refusal to delete unverified information from my consumer profile. I informed them that I intend to seek relief and monetary damages under FCRA section 616 and section 617, being that it has now been over 30 days with no verification results from them. 

I have also filed an Identity Theft Report with the Federal Trade Commission regarding this matter. 

At this point, I can not confirm that they have done a single thing to protect me and my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVE a portion of the data in my credit file that came about because of a FRAUD, yet I have items passed on that should be taken out or Block. Per FCRA segment 605 the Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including a new ID THEFT REPORT # XXXX once more. I've educated my lawyer regarding my aims and they are eager to consider the Credit Bureaus responsible for their tenacious rebelliousness. The addresses : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX, XXXX XXXX XXXX XXXX XXXX, MO XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX and inquiries : US SM BUS ADMIN ODA XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, are still reporting on my credit file, again, these items were made fraudulently and I seek to have them completely deleted from my Credit File pursuant of the FCRA section 605b.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian claims I have an account using the email address XXXX I have had an account for many years with the email address XXXX I do not have a XXXX account. How do I report Fraud? I don't have access to my credit information.
Product: Credit reporting or other personal consumer reports

Basically I checked my credit on the XXXX mobile and I seen my credit score dropped by a lot. The name of the credit/lender that was responsible for fake debt collection is XXXX XXXX and I did some research, found out that they're are fake debt collection agency. Seen people review them online saying they are getting hit with random hard inquiries with high amounts of fake debt owed to them. I don't recognize this company or the collection/account opened on my credit report/activity. This is a fraudulent inquiry and can you guys please remove this off my credit report, I plan on buying a house eventually. It appears as XXXX XXXX XXXX - XX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters out certified over 45 days ago and have yet to be notified of any results. As a consumer I dont feel like these people are not taking me serious and are taking advantage of me.
Product: Debt collection

An account showed up on my credit in the amount of {$890.00} for a debt that I am not aware of
Product: Credit reporting, credit repair services, or other personal consumer reports

Amerassist AR Solution is reporting a debt to my credit report that has nothing to do with me. I have never visited a XXXX in XXXX Florida so there for this debt is not mine. The debt is for XXXX dollars. this debt has drastically lowered my credit score and it is causing me to not get a job or a house during these hard economic times. I have contacted amerassist ar solution on numerous occasions to have this debt collection moved to no avail. Please remove this from my credit report. The date of birth on file connected to this debt is XX/XX/XXXX. This is not my date of birth.
Product: Mortgage

This is the second complaint I have placed. The first has went without a response. I am in the middle of a current Chapter XXXX. I am 2 years in. My mortgage is with Ocwen Loan Servicing LLC . A few months ago Ocwen started returning my mortgage payments. I called Ocwen only to be told I no longer owned my home and it had been foreclosed on. ( It has not ) Ocwen is accepting my Chapter XXXX payments. I have asked to speak to a manager at Ocwen and they refuse to speak with me. Again, I make payments monthly thru chapter XXXX and make my payments to Ocwen every month. Today my wife and young daughter were home alone and XXXX men came to the door. They stated they were from the bank. They dug thru my garage. They tried to break into to my home. My wife asked them to leave and they refused. They terrified my family. They stated the home was lender owned. IT IS NOT. It has never even been foreclosed on.
Product: Credit reporting or other personal consumer reports

Re : Letter to Remove Inaccurate personal Information 's To Whom It May Concern : This is the XXXX time I sent you this letter to correct my personal info 's to my credit report to see that the updates haven't took place. 

XXXXall these personal information are ABSOLUTELY incorrect. You are reporting XXXX that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. 

XXXXPlease delete the following inaccurate information from my credit file within the next XXXX days. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete the investigation within 30 days of receipt of this letter. 

XXXX If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately. 

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 



PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX, MI XXXX PLEASE UPDATE MY NAME TO : XXXX XXXX MY ONLY SOCIAL SECURITY NUMBER : XXXX MY ONLY AND CORRCT DATE OF XXXX Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 

Thank you for your time and help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo XXXX regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as XXXX 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because XXXX, Capital One, XXXX XXXX XXXX, and XXXXXXXX XXXX/XXXX/XXXX XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " .. promptly delete all information which can not be verified. '' that I have disputed on numerous occasions, Please resolve this matter as soon as possible. Thank you!
Product: Credit reporting or other personal consumer reports

There account is not mine and needs to be removed from my credit report. XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Capital One is furnishing information on my credit report for account XXXX which violates the FCRA. This account has been closed and is past the statute of limitations which makes the alleged debt uncollectible. The statute of limitations in the state of Texas is 4 years. There should have been a balance of {$0.00} reporting, but Capital One is furnishing a balance of {$670.00}. I am not asking for the account to be XXXX out, I am requesting that this account is deleted from my credit report due to false and misleading information. Furthermore, the credit reporting agencies are reporting different information for the date last active. Had I not caught this, Capital One would still report a balance. I will be seeking legal action if this account is not deleted within 30 days. I will attach the account for your reference.