23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Mailed in care of the Post Office for the United States of America DATE : XX/XX/XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL/NOTICE TO PRINCIPAL IS NOTICE TO AGENT ENFORCEMENT OF RIGHT OF SUBROGATION FOR FULL SETTLEMENT AND CLOSURE OF THE ACCOUNT To XXXX XXXX XXXX Pre-Legal Department XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX Re : Account Number : XXXX To Whom It May Concern : I confirm that I have received a written communication from you addressed to myself and dated XXXX XXXX wherein you make reference to the above captioned matter. 

It is apparent that either : 1. You are acting on the presumption that some relationship that you may have with Capital One, N.A Saks Fifth Avenue, is in some way related to me, which if such presumption is the case, I confirm that I am not a party to this implied relationship you have with Capital One, N.A Saks Fifth Avenue either directly, indirectly or by means of any tacit consent, and accordingly, I do not understand how to respond to you inasmuch as I am unaware of any contractual relationship between us ; or 2. You have entered into a contractual relationship inclusive of evidence of consideration paid to or agreed to be paid to Capital One, N.A Saks Fifth Avenue ), which contractual relationship has caused you to become the legal holder in due course of an alleged obligation between myself and Capital One, N.A Saks Fifth Avenue. If indeed you have entered into such a contractual relationship with Capital One, N.A Saks Fifth Avenue as set forth in clause ii ) above, then I hereby confirm that I accept your offer to reduce the amount of the alleged obligation from {$2100.00} to {$0.00} and I confirm that I would like to make arrangements for settlement of the above referenced matter immediately upon you providing me with your written and legally binding assurance that you will accept payment in full settlement of this alleged obligation in direct and immediate exchange for the original instrument of indebtedness in its original form that you must now be holding pursuant to the aforesaid contractual arrangement between you and Capital One, N.A Saks Fifth Avenue. 

ENFORCEMENT OF RIGHT OF SUBROGATION FOR FULL SETTLEMENT AND CLOSURE OF THE ACCOUNT I request to Invoke my Rights to Subrogation ; HJR 192 XX/XX/XXXX, Congress 73-10, Chapters 48 Stats 48 subsection 112 ; " He who creates the liability must provide the remedy '' ; Truth in Lending Act ( TILA ) of XXXX ; and " Refusal for Cause Without Dishonor '' UCC3- 501, 2-207 ( 2 ) ( c ). 
3. " I-demand-my-right-to-subrogation-and-we-are-not-moving-on-until-this-is-resolved. '' 4. " Public-Servant-prosecutor-do-you-conform-to- '' Clean-Hands-Doctrine ''? 
5. Then-certify-my-right-to-subrogation-in-avoidance-of-a-claim-for-destruction of Rights. '' ( As-certified-it-is-mine ). 
Of this presentment take due Notice and heed and govern yourself accordingly On behalf of XXXX XXXX Without recourse By : : XXXX : XXXX :, Equitable Beneficiary Title Holder
Product: Debt collection

SOUTHWEST CREDIT SYSTEMS , L.P . 
Last reported : XX/XX/2018 {$740.00} For some reason South West is trying to charge me {$740.00} i do not own a south west credit card and i have paid for each one of my tickets online with the use of a Debit Card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : XXXX RE : Partial Account Number : XXXX. 
XXXX Number : XXXX To whom it may concern, I am aware that the FCRA allows for creditors to report but they have to be compliant and accurate at all times. My concern with this account is this. It is reported on my consumer report that this alleged debt was charged off. However, based on the notice of late payment required to be given to a consumer by the FCRA, I did not receive a late notice within five ( 5 ) business days nor was notified that XXXX XXXX XXXX will be putting a negative remark on my consumer report. 

Also, based on the Fair Credit Billing Act, XXXX XXXX XXXX failed to provide me an up to date balance during the month ( s ) that this alleged debt was reported as late so how am I able to make sure the balance was not modified or misrepresented during that time causing a calculated error and in turn, caused the account to be late? How do I know that surcharges were not billed by mistake and that you were accurate while reporting? Can you please provide me with these details.

Additionally, according to the IRS, a 1099-C was to be sent in accordance with this chargeoff as it is over XXXX. However, one was not sent. Also, since the alleged debt was charged off, why are you still trying to collect on the alleged debt? Is that not considered fraud and abusive activity according to the FCRA? 



Again, according to the FCRA, all creditors MUST be compliant and accurate when reporting and I feel that XXXX XXXX XXXX failed in doing so.This account is inaccurate and XXXX XXXX XXXX had an obligation to the FCRA to tell me if I was going to be late and that you were going to post a negative remark on my consumer report. You also had an obligation to send me a 1099-C in which you failed to do so. With you reporting this account on my consumer report, it is considered an illegal report and in connection with the XXXX, XXXX XXXX XXXX will be in violation of certain codes equating to {$1000.00} per violation. 

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Injury to person Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations. 
Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] This account is inaccurate and I am demanding that it be removed from my consumer report. 

SEND CORRESPONDENCE TO THE ADDRESS PROVIDED BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, TX XXXX Without ill-will or animosity, PXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX With XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is falsely reporting inquiries that shouldnt be on my credit report. My inquiries were removed and then reinserted without a 5 day notice given to me ( Which is a FCRA Violation ).
Product: Student loan

Under my total student loans there is one that has listed navient as one serving the loan. This loan states it was given in 2006. Although I did take loans in 2006 they have since been paid off. Since this time I have had to pay numerous times " outstanding balances '' to receive transcripts, enrolled at another college and again to reenroll again. The loan at one point affected my credit so badly, I was unable to rent an apartment while XXXX  they were harassing me and threatening to garnish my wages if I did not paid them more then 60 % of my income I was making while XXXX  

I am currently looking to consolidate my loans again this particular loan states : they don't offer consolidate options because it is a private Stafford loan. I also requested promissory not and details regarding the loan that navient fails to provide me. It lists multiple places i had the loan in forbearance while I was in school or deferment ... .. none of which I agreed too. I was able to provide documentation that the debt was removed from one of.tye reporting agency 's and have recently disputed it in another credit agency. Most recently they are reporting that the loan is in default with credit agency 's and it is not on default not do I believethe loan is legit. I absolutely have student loans but this agency has mislead and lied to me regarding one of the loans. I would like the original loan reviewed, as all.my attempts to retrieve documentation regarding it have been unuccessfully.
Product: Student loan

I was recently granted a temporary forbearance. My payment plan will change to standard repayment instead of the Income Based Repayment plan because of my forbearance. This changes the amount of the monthly payment due drastically. I was able to make my XXXX 2022 IBR payment of {$200.00} early. 

I asked Navient to apply my last payment be applied towards my XXXX 2022 monthly payment. My request was denied because it did not meet the monthly payment minimum. ( because they changed the payment plan ) I get nowhere when I try to call them. Their representatives do not want to or are unable to understand my situation. 

I am so tired of spending time fighting with Navient and constantly explaining what should be very a understandable and clear situation.
Product: Vehicle loan or lease

Gateway One Lending One and Finance is the current servicer of my Auto loan since XXXX of 2016. In XXXX, I received a notice from some other company saying they are the servicers of my auto account. I did not receive a 15 day notice from GateWay One Lending and Finance Nor was the notice from Santander USA in the 15 days either. As a consumer, I have been violated and was not provided sufficient time and evidence. Also the reporting on balances are inaccurate. Gateway One lending and financed closed my account according to my credit report, but then opened said account back up. They are reporting inaccurate information on my credit report and false information. At this point, as a consumer I am not sure who the real servicer of this account is and my real account balance and account should be closed. If not properly managed, i will have to seek attorney for this is damaging my credibility and causing much grief and harm and anxiety. Please correct this as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached. Would like an explanation what is the amount of unpaid, as well as what types of fraud XXXX has reported to EWS
Product: Mortgage

I refinanced a condo XX/XX/XXXX with no problems. I did not set up an escrow account and paid my taxes and insurance separate from my mortgage payments. XX/XX/XXXX, RoundPoint Mortgage contacted me saying they had paid for my insurance and wanted to be paid back. I checked with my insurer, and they did have a payment from RoundPoint, so in XX/XX/XXXX I paid RoundPoint. Then in XX/XX/XXXX, I looked through my paperwork for the refinance. I have a XXXX form that shows that I paid for insurance as part of closing. I 'm not sure where that money went, and I think I paid twice for that year of insurance. I have called XXXX repeatedly, only to have them tell me to email their servicing help desk. I did that and only received an automated response and no reply as to what any research they may have done turned up. I also sent a letter explaining the situation with a hard copy of the HUD-1 statement and sent it by certified mail. RoundPoint received it ( per USPS certified mail tracking ) on XXXX. I just called them again and was told to email them. I do n't think they are doing anything to look into this matter, and I just keep getting a run-around.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested from  " Selene Finance '' num erous times for reinstatement so I could issue a cashier check to reinstating my loan. It 's my belief that  Selene Finance purpo sely abandon their policy. On  XX/X/2016    at  XXXX    XXXX   for  20 min/ 47sec I  spoke with  XXXX   XXXX   a  employee with Sel ene Finance she was baffled and in shocked as to why I was not issued an reinstatement letter. She reor dered the reinstatement letter  ( th is makes my fourth request ) which was cancelled for a second time.  XXXX  also confirmed the following :  1.  On  XX/XX/XXXX  I ordered a payo ff 2.  On  XXXX   XXXX ,  2016 I  requested a reinstatement statem ent 3.  On  XXXX   XXXX  , 2016 I sp oke with  XXXX   XXXX  and in his notes I re-ordered a reinstatement statement but it was never order.    4. O n  XXXX   XXXX ,  2016 I pa id  XXXX  as of  XXXX   XXXX ,  2016 a partia l payment ( unapplied ) {$7100.00} was in SUSPENSE Currently I owed {$5900.00 } 5.  On  XXXX   XXXX ,    2016  I spoke with  XXXX   XXXX  she was highly perplexed as to why I did not received a reinstatement statement ( prior to making a payment, stating its their policy that a reinstatement statement must go out to the borrower to assure the borrower of the reinstatement balance owed.    6.  She confirmed on  XXXX   XXXX  , 2016     XXXX   XXXX  deleted the reinstatement request.    7.   XXXX   XXXX  re-ordered the reinstatement statement and schedules a follow up call on  XXXX  at  XXXX . Unfortunately we have not spoken again.     I was charged  XXXX  late fees  XXXX  for  XXXX   2016 an d  XXXX     2016.     Selene Finance cla im I owed over {$6000.00} in fees that carried over fro m   XXXX   XXXX   XXXX  . Un true.   They have submitted to the credit bureaus that I have been 60 days late, for  XXXX  &  XXXX   2016.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : Formal Complaint Regarding Credit Bureau 's Failure to Conduct Reinvestigation for Account with [ XXXX XXXX XXXX ] Dear Sir/Madam, I am writing to formally complain about a serious issue concerning the reinvestigation process on my credit report, as required by the regulations outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has not removed a late payment from my account with XXXX XXXX XXXX  XXXX ] despite my efforts to correct this inaccurate information. 

I recently disputed the presence of a late payment on my [ XXXX  XXXX XXXX ] account, which has negatively impacted my credit history. Under the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, the credit bureau was required to conduct a reinvestigation to ensure that any inaccuracies were promptly corrected. 

However, despite this legal obligation, the credit bureau has failed to properly reinvestigate and correct the erroneous information on my credit report. This negligence has harmed my credit score and jeopardized my financial well-being. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter urgently and ensure that the credit bureau complies with the relevant regulations. I am seeking immediate action to rectify this error and restore the accuracy of my credit report. 

Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit bureau and XXXX XXXX  XXXX XXXX ]. I appreciate your prompt attention to this matter and look forward to a swift resolution. 

Thank you for your prompt assistance. 

Sincerely, Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX : XX/XX/XXXX SSN : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair Credit Reporting act XXXX Account, 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Account name : XXXX XXXX XXXX  XXXX Account number : XXXX Account name : XXXX Account XXXX : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name U.S. DEPARTMENT OF EDUCATION Account number XXXX Account name : XXXX XXXX  XXXX Account number XXXX XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number XXXX XXXX Account name : XXXX XXXX  XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquire from XXXX XXXX XXXX on my report is unauthorized and I have no knowledge of this account.
Product: Credit reporting

transunion said the debt was verified, no change ... .but i never received verification of this debt being mine, i have no knowledge of this debt being sent to collections, and never had a chance to dispute this account before being reported to my credit report
Product: Debt collection

Starting at XXXX XXXX  on Friday XXXX XX/XX/2023 through XXXX XXXX  XXXX XXXX, I have received 55 telephone calls from Sunrise Credit Services , Inc. XXXX XXXX XXXX XXXX, NY XXXX at ( XXXX ) XXXX. 

I had my current phone number for close to 2 years. I have no delinquent debt. I have nothing to do with these people. 

At XXXX XXXX XXXX XXXX a call came in after I printed out my phones history. Previously received phone calls from Sunrise Credit XXXX & saved to my phone history : Mon XXXX XXXX XXXX XXXX & XXXX XXXX, Fri XXXX XXXX XXXX XXXX, Thur XXXX XXXX XXXX XXXX & XXXX XXXX, Wed XXXX XXXX XXXX XXXX, Tue XXXX XXXX XXXX XXXX & XXXX XXXX, Mon XXXX XXXX XXXX XXXX, Fri XXXX XXXX XXXX XXXX & XXXX XXXX, Thur XXXX XXXX XXXX XXXX  & XXXX XXXX, Wed XXXX XXXX XXXX XXXX & XXXX XXXX, Tue XXXX XXXX XXXX XXXX & XXXX XXXX, Mon XXXX XXXX XXXX XXXX & XXXX XXXX, Fri XXXX XXXX XXXX XXXX, Thur XXXX XXXX XXXX XXXX & XXXX XXXX, Wed XXXX XXXX XXXX XXXX, Tue XXXX XXXX XXXX XXXX, Mon XXXX XXXX XXXX XXXX, Fri XXXX XXXX XXXX XXXX, Tue XXXX XXXX XXXX XXXX & XXXX XXXX, Mon XXXX XXXX XXXX XXXX & XXXX XXXX, Fri XXXX XXXX XXXX XXXX & XXXX XXXX, Thur XXXX XXXX XXXX XXXX & XXXX XXXX, Wed XXXX XXXX XXXX XXXX, Tue XXXX XXXX XXXX XXXX & XXXX XXXX, Fri XXXX XXXX XXXX XXXX, Thur XXXX XXXX XXXX XXXX & XXXX XXXX, Wed XXXX XXXX XXXX XXXX, Tue XXXX XXXX XXXX XXXX & XXXX XXXX, Mon XXXX XXXX XXXX XXXX, Fri XXXX XXXX XXXX XXXX, Thur XXXX XXXX XXXX XXXX & XXXX XXXX. Wed XXXX XXXX XXXX XXXX & XXXX XXXX, Mon XXXX XXXX XXXX, Fri XXXX XXXX XXXX XXXX, Thur XXXX XXXX XXXX XXXX, Wed XXXX XXXX XXXX XXXX, Tue XXXX XXXX XXXX XXXX, Fri XXXX XXXX XXXX XXXX. 

Will the FTC issue Sunrise Family of Companies, Sunrise Credit Services , Inc., XXXX XXXX XXXX XXXX XXXX XXXX a cease & desist order? 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 

XXXXAccount Name : XXXX XXXX Account Number : XXXX XXXX Name : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXXAccount Name : XXXX XXXX XXXX. 
Account Number : XXXX XXXXAccount Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX CT TX XXXX XXXX Number : XXXX Date Filed XX/XX/2021 XXXX. Account Name XXXX XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXX. Account Name XXXX XXXX  Account Number XXXX XXXX. Account Name XXXX XXXX XXXX Account Number 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 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> BAY AREA CREDIT SERVICE XXXX, GA XXXX Subject : Dispute of Collection Account [ Account Number ] XXXX Dear BAY AREA CREDIT SERVICE, I am writing to dispute the validity of the collection account associated with Account Number XXXX on my credit report. I recently obtained a copy of my credit report and noticed the presence of this account, which I believe has inaccuracies. 

Upon reviewing the details of the account, I have identified discrepancies in the information provided. I request that you investigate and verify the accuracy of the following points : 1. **Validation of Debt : ** Please provide detailed documentation verifying the legitimacy of the debt, including the original creditor 's name, the original account number, and the complete chain of ownership.

2. **Statute of Limitations : ** Verify and confirm whether the debt falls within the statute of limitations for collections in [ State ]. If the statute of limitations has expired, the debt should no longer be legally collectible.

3. **Reporting Dates : ** Ensure that the reporting dates on my credit report align accurately with the actual timeline of this debt. Any inaccuracies in reporting dates may be grounds for removal.

I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to dispute this information. I kindly request that you provide a written response within 30 days of receiving this letter.

If you can not validate the debt or if any inaccuracies are found, I request the immediate removal of this collection account from my credit report. Additionally, please provide written confirmation of the resolution and any actions taken. 

Thank you for your prompt attention to this matter. I look forward to a timely and positive resolution. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns, about consumers protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld.Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sent me an email stating XXXX XXXX XXXX SENT A STATEMENT my credit card statement decreased by {$34.00}. In XXXX I paid off my {$34.00} credit card. I have NEVER MISSED A PAYMENT. The last payment was XX/XX/2020 for {$19.00}. I was penalized 5 POINTS for paying off my credit card on time. My credit score decreased 5 points from XXXX to XXXX. I have a CREDIT of {$110.00} on my credit card. Question why did XXXX XXXX XXXX  XXXX Transunion & XXXX  penalize me for paying off my credit card in a legal timely manner? I feel I was discriminated against? 5 points deducted from my credit score for paying off my {$34.00} credit card on time? Please investigate thank you
Product: Debt collection

XXXX XXXX XXXX has violated my rights due to the Us code 1692c by constantly calling and threatening to take actions on me even though I told them the debt is not legally mine
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian reported my utilization rate changed from 5 % to 23 % by reporting a balance of {$1700.00} for a XXXX  XXXX account. My balance for XXXX  XXXX was report as a XXXX $ balance for XXXX and XXXX. My score decreased XXXX points instead of it increasing and this is hurting my chances of homeownership. I mailed a letter to all bureaus and this issue has not been resolved. My credit card statement billing cycle did not end until XXXX and this balance was reported on XXXX before the billing cycle ended. The credit card was paid off prior to the billing cycle ending which is not supposed to happen. Please see attachements