23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX, XXXX, as Indenture Trustee for the Registered Noteholders of XXXX XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) was to provide notice of assignment within thirty ( 30 ) days of alleged acquisition of my note and mortgage in XXXX XXXX. But, never did such. My lender, XXXX XXXX XXXX, went out of business and shuttered its doors in XXXX. Yet, 3 years later Ocwen Loan Servicing , LLC ( " Ocwen '' ), modified my mortgage in XXXX XXXX and used a robo-signer to endorse the modification agreement. Then, 7 months after modification, Ocwen, with the assistance of MERS, prepared an Assignment in XXXX XXXX from XXXX Mortgage to XXXX. Thus, in XXXX XXXX no lender could have authorized Ocwen to continue to accept mortgage payments, better yet modify my loan and mortgage. Further, it was impossible for XXXX XXXX to authorize any real property transfers in XXXX XXXX since it had closed 3 years prior. Also, the Assignment that Ocwen prepared was for a transfer from XXXX Mortgage to XXXX. However, an endorsement is affixed to an Allonge wherein my loan transferred from XXXX Mortgage to XXXX XXXX, so my loan could not have transferred from XXXX directly to XXXX. Next, the Assignment prepared by Ocwen in XXXX was largely executed by robo-signers : XXXX XXXX, XXXX XXXX, and notary XXXX XXXX. Last, the Assignment is executed by MERS in its individual capacity ( by an Ocwen employee ) and not as a nominee for any party. But, MERS was never my lender and thus not the party to transfer my mortgage from itself to any other party. Consequently, there was no valid assignment of my loan and mortgage from XXXX XXXX prior to its closure in XXXX and Ocwen has clouded my title with its illicit conduct. Despite the fact that XXXX has not obtained the legal right to foreclose my mortgage, in XXXX it commenced a foreclosure action based on the above described fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report. I have reviewed my credit report and have noticed several inaccuracies that I believe are negatively impacting my credit score. The following accounts and inquiries are the subject of my dispute : XXXX XXXX Charge Off Account XXXX XXXXXX/XX/XXXX Inquiries XXXX XX/XX/XXXX Inquiries XXXX XXXXXX/XX/XXXX Inquiries XXXX XXXXXX/XX/XXXX Inquiries XXXX XXXXXX/XX/XXXX XXXX I dispute the above items for the following reasons : First, the XXXX XXXXXXXX Charge Off Account is inaccurate. I have never had any business or financial relationship with XXXX, and therefore can not have a charge off account with them. 

Second, the inquiries made by XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX are inaccurate. I did not authorize these inquiries and have no knowledge of them. 
Third, the inquiries made by XXXX XXXX XX/XX/XXXX and XX/XX/XXXX, as well as the inquiry made by XXXX  on XX/XX/XXXX, are also inaccurate. I have not applied for credit with any of these institutions, and therefore should not have any inquiries on my credit report from them. 
I request that you investigate these inaccuracies and remove them from my credit report. I also request that you provide me with a copy of the revised credit report after the inaccuracies have been corrected. 

Thank you for your prompt attention to this matter. 
XXXX : The Fair Credit Reporting Act ( FCRA ) requires that credit reporting agencies provide accurate and complete credit reports to consumers. Inaccurate information can negatively impact a consumer 's credit score and ability to obtain credit. Under the FCRA, consumers have the right to dispute inaccurate information on their credit reports and request that it be corrected or removed. Failure to comply with the FCRA can result in legal action against the credit reporting agency. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second attempt to submit recent complaint to Experian. I submitted the original complaint to CFPB myself, XXXX XXXX. I'm also attaching my identification to this complaint. You can refer to CFPB complaint XXXX along with the documentation associated with the complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 4 accts that are onn my credit report that are not mine I have been disputing these with the bureaus as well as the furnishers as to why it is still on my credit report I have no clue if I have not opened these unknow accounts. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account
Product: Credit reporting

THEY DELETED A COLLECTION AND XXXX CLOSED CREDIT CARD ACCOUNTS ON XX/XX/2017 AND REINSERTED THESE ITEMS BACK ON MY CREDIT REPORT ON XX/XX/2017 WITHOUT GIVING A NOTICE OR REASON AS TO WHY THEY WHO DO THAT. I ATTACHED PROOF THAT IT WAS SUPPOSED TO BE REMOVED
Product: Credit reporting or other personal consumer reports

I have sent dispute requests to XXXX regarding the following accounts numbers : XXXX / XXXX. I have sent dispute requests to XXXX regarding the following account numbers : XXXX XXXX. I have sent dispute requests to TransUnion regarding the following account numbers : XXXX / XXXX. The dates of these disputes are as follows : XX/XX/year>, XX/XX/year> and XX/XX/year>. Despite all of these letters sent to these XXXX bureaus, there has been no dispute language on my credit report. There have also been no investigation results sent to me. It is very clear that my case has not been looked into whatsoever by any of these bureaus.
Product: Credit reporting or other personal consumer reports

Pursuant to 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( c ) Ceasing communication a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt Reporting this collection account within my consumer/credit report is a form of communication. 
I, the consumer, have not given XXXX XXXX XXXX XXXX XXXX XXXX prior consent to contact me. 
In addition, I have sent numerous communications stating I am refusing to pay this debt. 
I, the consumer, never gave the original creditor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, or Transunion written permission or consent to obtain my information or to furnish my information.
Product: Credit reporting or other personal consumer reports

After submitting an opt-out notice to XXXX XXXX XXXX regarding a current loan, XXXX responded by declining to honor my request. I want to exercise my rights under 12 CFR 1016.7 - Form of opt out notice to consumers ; opt out methods.

a ( 1 ) ( ii ) - That the consumer has the right to opt out of that disclosure ; and 12 CFR 1016.7a ( h ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. 
I would like to remind XXXX XXXX XXXX of the following sections of the same federal regulation. Please be advised that You is referring to the furnisher of the nonpublic personal information. 
12 CFR 1016.7a ( 2 ) ( i ) - Adequate opt out notice. You provide adequate notice that the consumer can opt out of the disclosure of nonpublic personal information to a nonaffiliated third party 12 CFR 1016.7a ( 2 ) ( ii ) - Reasonable opt out means. You provide a reasonable means to exercise an opt out 12 CFR 1016.7a ( g ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. 
XXXX XXXX XXXX have failed to adhere to Federal Code regulations and need to be held accountable for their negligence.
Product: Debt collection

On XX/XX/2018 I contacted Portfolio Recovery Assoc. via mail regarding an incorrect debt that I seen in my credit file. The debt does not belong to me and when asked for the company to validate or delete the account they did not do so. Instead they sent a statement that had no indication that it was a debt I owe. I then sent a second letter to inform the company that the information they sent was not sufficient by law and the company sent a second letter saying the investigation is closed and no further response will be given. The debt that Portfolio Recovery Assoc is claiming is mine is false and I would like this account removed from my credit file please.
Product: Credit card or prepaid card

The late fee of XXXX dollars were charged on XX/XX/XXXX by Bank of America. I set up an autopay but it didnt work. I called them explaining but they didnt try to understand the situation, the difficulty and complication of their system, they blamed my action only. I definately set up through their website. I talked two people and they both were very rude and they couldnt even set up an autopay for me which other credit cards did for me sometimes or at least explain. They refused to waive the fee and even refused my request to talk to their supervisor. I never had this bad service from credit card company before. Not only just a fee they should really change their customer service. Completely unacceptable.
Product: Credit card or prepaid card

XXXX XXXX XXXX XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION SYNCB/CARECR XXXX To whom this may concern, My credit card was recently closed after I recently was asked to make a big payment to higher my limit, as my family is in need of medicine after hearing we have received XXXX. On XX/XX/XXXX, I spoke with a representative that advised if I make a big payment to lower my balances, I could ask for an increase. Because of XXXX and work, I had called in to say I will need a month assistance to catch up on payments. However, within two weeks I canceled the help and assistance and made a lump payment. Its been a stressful time for my family, as we have been in and out of work, school. Its even more stressful when you make arrangements with your bank. Give them your entire pay check, for them to close it during this crucial time. It is upsetting and embarrassing to deal with this especially when I wasnt advised on why they even closed it, even more embarrassing when I went to go pick up my meds and I was declined with NO notice. WHY ME? WHY NOW? I have no late reportings on my bureaus, and you choose to close me? There has to be another issue at hand? 

XXXX XXXX XXXX XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Checking or savings account

My checking account was put on hold around XX/XX/XXXX due to some sort of " suspected fraud ''. I had called us bank about it and after talking to a few bankers they said I had to talk to the electronic fraud person in charge of overseeing my account. After 3 days in a row of trying to contact this person, and leaving him a message, I called again and the banker I talked to said that he still wasn't in and that they would have somebody else look at my account. After being put on hold the person said that my account would be closed and I would receive a check in the mail in 5-7 business days. I asked when they were going to send it and they said right now. Fast forward to XX/XX/XXXX, after waiting for my check in the mail for 12 days I called again and they told me that they never closed my account. After waiting on the phone for like another 2 hours they finally said they would close my account and send me a check in the mail. The problem is it will now be at least 3 weeks total without having access to my money. All of my accounts have now acquired late fees due to the fact that they said they had already sent out my money.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX **XXXX XXXX XXXX** **Consumer Financial Protection Bureau*XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX # # # **Subject : Dispute of Incorrect Late Payments and Chargeoff Status on XXXX XXXX Account** Dear Consumer Financial Protection Bureau, I am writing to formally dispute the inaccurate late payment entries and chargeoff status on my credit reports from Equifax for my XXXX XXXX account ( Account # : XXXX ). These entries are not accurate and have unjustly impacted my credit history. 

**Details of the disputed information : ** - **Account Number** : XXXX - **Account Type** : Revolving - **Account Status** : Derogatory - **Monthly Payment** : {$0.00} - **Date Opened** : XX/XX/XXXX - **Balance** : {$0.00} - **High Credit** : {$900.00} - **Credit Limit** : {$0.00} - **Past Due** : {$0.00} - **Payment Status** : Collection/Chargeoff - **Last Reported** : XX/XX/XXXX - **Date of Last Payment** : XX/XX/XXXX # # # **Discrepancies in Account Information : ** # # # # **Equifax : ** - **Late Payments** : Account erroneously listed as late and charged off ( XX/XX/XXXX- XXXX XXXX ) - **Chargeoff Status** : Incorrectly reported as a chargeoff - **Payment History** : No late payments were made ; the account was successfully paid off in full in XX/XX/XXXX. 

These entries are inaccurate and violate the Fair Credit Reporting Act ( FCRA ), specifically Section 623 ( 15 U.S.C. 1681s-2 ), which requires that information reported by consumer reporting agencies be accurate and complete.

# # # **Action Requested : ** 1. **Investigation and Correction** : I request that the Consumer Financial Protection Bureau investigate this matter and ensure that Equifax updates my credit report to reflect accurate payment history and removes the erroneous chargeoff status.

2. **Notification** : Please notify me once the corrections have been made.

Enclosed are copies of my credit report from Equifax highlighting the disputed entries, as well as documentation proving that the account was paid off successfully in XX/XX/XXXX. 

Thank you for your prompt attention to this matter. I trust that you will assist in rectifying these inaccuracies promptly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX
Product: Student loan

On XX/XX/year>, I received communication the balance on the federal student loan had been discharged and no more payments needed to be made on the account. XXXX XXXX which is the federal loan servicer is still pursuing payments. This action is causing a negative impact on my credit score and report.
Product: Credit card or prepaid card

On XX/XX/2018 my bill for XXXX dollars was reported as a late payment. 
I had reported to the bank that I was moving out of state from XXXX  to XXXX  to a complete new address but they never changed it in their system and did not notify me of the bill until it was too late. 
I paid off the bill as soon as I realized I owed it but they still unfairly reported the issue as a 30 day late payment and today this is still affecting my credit score and ability to pursue new credit. 
I've contacted the bank to resolve the issue but they are not willing to look into it unless a dispute is filed
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and delete : COMENITY BANK/AVENUE XXXX
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on SPRING OAKS CAPITAL LLC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit card or prepaid card

I have a promotional balance on the JCPenney credit card. I always call to pay that non promotional first, so I will not get charged with the interest and then pay the minimum for the promotional amount and now they remove half of my promotional amount and charge me interest by law in California they supposed to get the non-promotional payment first and then the rest goes to the promotional and they dont do that so they could charge me interest. I called like 3 or 4 times to the credit card and they havent fix it and theyre charging me interest.
Product: Money transfer, virtual currency, or money service

My Chase business account paid a XXXX account origin ID : XXXX the sum of {$XXXX} which occurred on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX for a total of {$XXXX}. I had to close my account and reopen a new one. The bank investigated 3 times and concluded it was a legit transaction and to contact XXXX. My business account with XXXX does not show these transactions and XXXX has refused to help. I always had my debit card with me and when I closed my account the card was destroyed by the bank. I have a new account and debit card. I did not do these transactions. It was a weekly withdrawal ; I have not employees. Someone should be able to tell me when this money left my bank where did it go. I need help to get my money back and file fraud charges to whom ever did this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to Experian about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

15USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : XXXX XXXX AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I enrolled in a Debt Management program through XXXX XXXX XXXX in XX/XX/XXXX. I received an email from XXXX XXXX XXXX in XX/XX/XXXX advising a settlement had been reached with one of my accounts with XXXX XXXX. 

Dear XXXX, XXXX XXXX XXXX has some exciting news for you. We have a settlement proposal for your review. XXXX XXXX XXXX has received a verbal commitment from one of your creditors to settle one of your accounts. Below are the terms of the offer : XXXX XXXX XXXX XXXX - XXXX Current Balance Owed to Creditor - {$1200.00} Proposed Settlement Offer - {$550.00} Number of payments - 12.0 Monthly Payment o XXXX XXXXXXXX x {$25.00} o XXXX XXXX x {$25.00} o XXXX XXXX x {$25.00} o XXXX XXXX x {$25.00} o XXXX XXXX x {$25.00} o XXXX XXXX x {$25.00} o XXXX XXXX x {$67.00} o XXXX XXXX x {$67.00} o XXXX XXXX x {$67.00} o XXXX XXXX x {$67.00} o XXXX XXXX x {$67.00} o XXXX XXXX x {$67.00} Total Savings - {$650.00} I am sure you are as excited about this settlement as we are! If you have any questions, please call our Customer Service team at XXXX. 

To approve this settlement, please click this link : Thank you, Client Success Team XXXX Toll-Free XXXX Fax XXXX That same month, XXXX XXXX sold my account to LVNV FUNDING LLC a collection agency, which now reflects as such with all three credit bureaus. On XXXX, I contacted XXXX XXXX XXXX via email to advise of the collection account. They responded back the following ... 

Dear XXXX, Thank you for contacting us. 
The final payment to XXXX XXXX was completed on XX/XX/XXXX. Please allow up to 90 days for the creditor to update their records. If at that time your account is reporting inaccurately on your credit report or you continue to receive statements/collection letters, please reach out to our Client Success team and we will work with you to rectify the situation. 
If you have any further questions or concerns, please reach out to our Client Success Team at XXXX or at XXXX between the hours of XXXX XXXX XXXX ( ET ) XXXX XXXX. 
Temporary change in hours until further notice : Monday Friday from XXXX XXXX to XXXX XXXX XXXX. 

Thank you, Client Success Team XXXX XXXX XXXX XXXX At that point, I attempted to dispute the error with XXXX, XXXX, and XXXX. XXXX, and XXXX stated the following ... 

Historical Info Original Creditor XXXXXXXX XXXX XXXX XXXX  Contact Info Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, SC XXXX Comment Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 
This item was updated from our processing of your dispute in XX/XX/XXXX. 

This will be my 3rd attempt to contact XXXX via email to see if they can contact this collection agency to make them aware of my settlement agreement ... Meanwhile it appears I continue to make payments to them for the XXXX XXXX account.
Product: Debt collection

I received an alert regarding a fraudulent account with Citibank, XX/XX/2020. I called them to let them know this was not my account. I followed up with a full fraud dispute to the creditor, including police report, id theft affidavit, letter outlining the fraudulent acct etc which they received around XX/XX/2020.I received confirmation letter. They advised they were investigating. I am not receiving collection calls regarding this debt although they should not have sold my debt. I called the creditor and they are not assisting me, but telling me the account is closed and they are still trying to collect. They have failed to follow FDCPA and FRCA regulations.