23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security Number : XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. 
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : XXXX : XXXX Fair Debt Collection Practices Act : XXXX XXXX XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. 

CREDITOR CONTACT INFORMATION : BANK OF AMERICA XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. 

I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. 

Sincerely, XXXX XXXX
Product: Mortgage

XXXX XXXX sold my mortgage to Specialized Loan Services in XX/XX/XXXX. My mortgage statements from Specialized Loan Services, indicate and have messages about bankruptcy, not an attempt to collect a debt, fill out forms if you no longer wish to receive statements, and I am not obligated to pay my mortgage since responsibility was released through bankruptcy. It is the case in XX/XX/XXXX I filed bankruptcy, however, my mortgage was never entered in the bankruptcy, I reaffirmed the debt. 

I called SLS in XX/XX/XXXX to discuss the statements I was receiving and on the phone messaging, it also mentioned bankruptcy and an attempt to collect a debt ... ..I talked with a Representative about the information on my statements. I explained my mortgage was not part of my Bankruptcy and that it was 8 years ago. I was told because I had a bankruptcy that's how they have to report it. 

On XX/XX/XXXX, I called SLS again because my mortgage is not showing up on my credit report. The Representative I spoke with said that when XXXX XXXX transferred them the mortgage, they flagged my mortgage as in Bankruptcy. I was angry that this could happen and explained I would like to know why and how it happened. I am not sure why XXXX XXXX sold my mortgage and stated it was in bankruptcy, my statements from them never indicated any language to the contrary. I was told someone would call me in 5 days. 

I noticed a few months ago that XXXX XXXX had reported my mortgage as " paid '' with no payment history. I had requested through XXXX XXXX that it say the loan was sold and my payment history be entered. It now says loan transferred. I recently applied for credit and was denied, I do not know if my mortgage being " flagged '' and or not showing up on my credit report had anything to do with this mess. 

At this point I do not trust that between the two companies things will be resolved as they should so I wanted to send this complaint to be assured someone else would be looking at it. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

my personal info was stolen and used to open multiple accounts and for check fraud
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 me 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 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 - 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

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I attempted online at https : XXXX to obtain a copy of my credit reports. Equifax was not able to provide me with an instant download. I then submitted a letter in writing and they failed to respond. On XX/XX/XXXX I submitted another written request and certified the request with certified tracking number XXXX here are the tracking alerts : XXXXXXXX XXXX XXXX XXXX Equifax has failed to XXXX me with an updated report. Now XXXX and XXXX are outdated since I last received them in XX/XX/XXXX. I am requesting a copy of all XXXX reporting agencies reports to be sent to my home address immediately as there are negative items reporting within my credit report that are damaging my credit and I need to address these immediately.
Product: Money transfer, virtual currency, or money service

I sent money via zelle on XX/XX/XXXX for a service to a XXXX XXXX. The service was cancelled on XX/XX/XXXX with a promise to refund the monies to me. I sent a request via Zelle to XXXX XXXX to refund the money which was not done. I have correspondence with XXXX XXXX stating she would refund the money but have not received it. I made a dispute via Zelle because the service was not received. Zelle denied my dispute even though I have now been scammed out of my money. Zelle is making it easy for people to scam others and leave them with little to no recourse. I have also filed a complaint with the XXXX XXXX XXXX for XXXX XXXX and her company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Experian and XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX Balance : {$4100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I submitted a dispute with XXXX to remove all XXXX fraudulent inquiries from my credit report they have failed to protect my consumer rights and remove the fraudulent accounts after submitting proof of identity theft they have failed and violated the consumer penal code Experian have also failed to remove the fraudulent account ( credence resource management ) after I have sent in proof of identity theft which should be remove immediately from my credit report XXXX HAVE NOT REMOVED within XXXX business days which is a violation of the consumer penal code the accounts below are fraudulent XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX which are also fraudulent If these are not removed I and my attorney will file a legal suit and seek {$700000.00} in damages
Product: Credit reporting

I am sending another complain because i am becoming extremely concerned about some misinformation that is reporting on my credit report. I have been waiting more than 6o days, I have sent a second complaint and I have disputed this companies response and yet I still do not have a proper resolution to some incorrect reporting on my credit report. 

Transunion is reporting false negative items to my credit report damaging my creditability with all of my financial institutions. I would like to extend another complaint to the CFPB with high hopes that my situation will be elevated to a more invasive investigative unit. I am highly concerned that they are continually shutting me down and refusing to properly investigate and validate their wrongful reporting and this process is taking so long that it has left me financial paralyzed. 
1. XXXX XXXX card # XXXX is reporting XXXX late payments and that is absolutely false and I would like the CFPB to join forces with Transunion and properly verify this misinformation immediately. 
2. XXXX is the SAME. For some reason they are reporting the account as PAST DUE and it has NEVER been late. I would like a full investigation with the help of the CFPB in order to validate and verify all information legally and properly. 
3. XXXX, XXXX is an account that has violated consumer safety and protection laws against me as a consumer and has to be deleted for falsely and illegally reporting to my credit report with your company. They are in violation of FDCPA laws and are currently under federal investigation for threats, abusive conduct and illegal documentation and non-debt validation. 
4. The TAX Lien was withdrawn from my name and I DONT REQUEST INFORMATION SUCH AS MY NAME TO BE VERIFIED! I have repeatedly asked them to stop sending me generic and uneducated responses verify silly things such as my name and such. I have told them that there are court orders from 2011 withdrawing these invalid liens. VERIFY THAT OR DELETE THE TAX LIEN immediately because you are ILLEGALLY reporting it! 

*************************************************************************************I will say this again and again. I will not take ANOTHER generic response as a form of validation of my disputes. You are clearly IGNORING me and have messed with the wrong consumer Transunion. I hope the CFPB can see you for who you are, a fake company in the pockets of ally of these companies who pay you hundreds and thousands of dollars a month to ruin peoples lives! Correct these XXXX items immediately, I will not stand for your lack of proof, investigation and evidence. That is not a proper reinvestigation BY ANY TERMS!
Product: Bank account or service

I opened a Citi Gold Checking account on XXXX XXXX 2016, with Citi 's promotional code XXXX. This promotional code promised receipt of XXXX XXXX XXXX mileage of XXXX points as a bonus after fulfilling stated requirements. I visited the Citibank 's XXXX XXXX branch in XXXX DC. The Citi agent, XXXX XXXX XXXX XXXX assured me that I indeed qualified for this offer and that she made a special note attached to my new account with the promotion code. As part of this offer, I had to use the Citi debit card to make purchases of more than {$1000.00}, and I had to perform at least XXXX bill pays, all within the first two months of account opening. I fulfilled the requirements but there had been no bonus disbursed until XXXX XXXX 2016. Therefore I visited the Citibank 's XXXX XXXX branch again on that day. The agent found the note attached to my account by XXXX XXXX, understood the issue, and filed a dispute for me. The letter said response would be sent between XXXX XXXX and XXXX, but I have n't heard back from Citi so far. I also emailed XXXX XXXX to ask for updates on the dispute on XXXX and XXXX of XXXX, but have n't received response from her as well. I believe Citibank must honor the promise, and be more responsible.
Product: Payday loan

Excessive fees and high interest rate of XXXX l only borrow {$940.00} and paid over {$900.00} dollars in fees and finance charge. 
This financial institution shutting down in lending because of. A Federal Government fine of {$10.00} XXXX dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian completely ignored my previous CFPB complaint # XXXX. They did not even open up an investigation to verify this address for this complaint which is a violation of section 2 of the FCRA. They claim that they received confirmation of this address but failed to tell me which creditor or where they received their information from which is also a violation of the FCRA. My current correct Address Street Number , Street Name, City, State is : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX. Please update the information in my file to reflect ONLY my above mentioned true accurate undeniably valid current correct address and remove any and all other reporting addresses that are not exactly as I have submitted and proven. These other addresses are not deliverable to me by the U.S. Post Office, and they are not reportable as per the FCRA Section 623 since they are not yet proven accurate. You would need to pull certified public records proving that I have any relation to this address, otherwise I demand they be deleted. Both XXXX, XXXX, XXXX and XXXX have properly updated this information, but Experian continues to refuse to comply with this demand. DELETE ADDRESS : XXXX XXXX XXXX XXXX, XXXX  XXXX. How did you verify this address? Did you obtain public record data to prove that I lived here? I demand that you send me documented proof of this address. Just because a creditor has a record of this address, does not make it valid. DELETE THIS ADDRESS FROM MY RECORD IMMEDIATELY. You HAVE NOT provided me with a copy of ANY original documentation of this address. Let me remind you that by continually reporting this address you are committing Negligent Enablement of Identity Fraud.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : XXXXConduct a thorough investigation to identify and remove any inaccurate personal information from my credit report. 
XXXXUpdate my credit profile to reflect the correct information as listed above. 
XXXXProvide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Payday loan, title loan, or personal loan

I checked my credit to see a negative report from OPPLOANS/XXXX  in the amount of {$1600.00}. I lost my job and became XXXX  and I had no way to keep up the payments. I am now working and would like to settle the debt for {$800.00}.
Product: Debt collection

OCWEN LOAN SERVICING, LLC a Florida corporation XXXXXXXX XXXX   XXXX XXXX XXXX a Delaware limited liability Company XXXX XXXX XXXX ATTORNEY The above people are attempting an illegal foreclosure on my home, they used a a well organized plan to be avoid Civil Foreclosure suit use XXXX Deed of Trust assignment which has been rendered Void by various Courts to apply for Letters of Administration in XXXX Probate Court. Ocwen and Dependent Administrator filed eviction and Ocwen had XXXX failed attempts at house seizures and lockdown my house, I have XXXX little children. XXXX XXXX, ( XXXX no. XXXX and XXXX XXXX. XXXX ). XXXX XXXX XXXX XXXX XXXX case XXXX was heard on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX is on appeal. to be heard on XX/XX/XXXX. BACKGROUND ON FRAUD XXXX XXXX CANCELLED. XXXX & Ocwen did could not foreclosure in XXXX yrs because the original loan documents were presumed lost, we challenged them on history payments for yrs, but suddenly Monday they fabricated payments. 
( we never applied for the loan, never received loan docs. XXXX canceled XX/XX/XXXX the loan ). no payments were made, no delinquent notice, no default notice filed or no foreclosure filed. Ocwen LLC tries to collect on canceled loan void Deed of Trust Assignment via probate. We sent letter to the Courts stating their Assignment is Void. Ocwen is illegally seizing our home at XXXX XXXX XXXX XXXX Texas XXXX where I have lived since XXXX. My parents left a Will and the home already has been transferred to me. 
I believe as well as other legal authorities that Ocwen letters of Administration is defective because Ocwen used the known Void Deed Of Trust to obtain rights. The law is clear, it fraudulent. 
There is overwhelming proof that the application for Letters of Administration was made with the knowledge that the Deed of Trust it used was void. 
( Citing 12.002 ( a ) ( 1 ). ( Id. ) Section 12.002 ( a ) of the TEX. CIV. PRAC. & REM.  CODE, and Courts have agreed that fraudulent assignment does not claim on title, the forged Deed of Trust is Void. 
a Under Texas law, XXXX Bank XXXX XXXX XXXX assignment is fraudulent as defined by Section Code 51.901 ( 11 ) ( c ) Violation of Texas Government Code. ( 11 ) The Mortgage assignment was recorded and filed in XXXX XXXX, Texas, the county clerk. ( c ) The court 's finding may be made solely on a review of the documentation or instrument attached to the motion and without hearing any testimonial evidence. 

XXXX Bank XXXX XXXX XXXX XXXX has been rendered fraudulent-void Courts and Texas Courts.
Product: Checking or savings account

Last year, I received a mailer from TD Bank that offered me a {$300.00} bonus if I opened a checking account and have {$2500.00} in direct deposits within 60 days. 

I read through all of the fine print. It starts by saying the offer " is available only to the person addressed in this mailer, '' and " Checking offer is not available to existing TD Bank checking Customers or prior Customers who have had a TD Bank personal checking relationship within the preceding 12 months. '' The mailer was sent in my name, and the last TD Bank checking account I had was closed in XX/XX/XXXX. I opened the new account on XX/XX/XXXX, so it was more than 12 months. Everything seemed like I was eligible for the offer. 

I completed the total of the {$2500.00} in direct deposits on XX/XX/XXXX, and waited the 140 days since account opening for the bonus to post like the mailer said, but nothing came. I reached out to TD Bank a few times and was advised, " Upon review, we found that you had previous checking account ending in XXXX which received a {$300.00} promotional bonus on XX/XX/XXXX. Please note, only one promotional bonus per customer can be applied. Promotional offers can not be combined with any other offer. '' TD Bank knew it had already paid me a bonus in the past when it made me the new offer. I find it very misleading that TD Bank would now say that I am not eligible for an offer it specifically made to me, especially after I went through meeting all of the requirements before being informed of my ineligibility.
Product: Debt collection

I received an alert that a collection account was added to my credit report! Ive never done business with nor have I ever been contacted by this company about this debt!!!!