23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I never received my 1099c and it XXXX  reported as a charge off
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am writing to inform you that Caliber Homes Loans has refused to close on the property located at XXXX XXXX XXXX XXXX XXXX, KY XXXX. XXXX XXXX had agreed to the closing date XX/XX/XXXX, as well as signed the second amendment on XX/XX/XXXX for extend the closing date to or before XX/XX/XXXX also stating it would be {$100.00} per day until closing date. I sign form and forward it back to my realtor, XXXX XXXX. On XX/XX/XXXX I was informed by realtor XXXX XXXX that we would not be closing on the property on XX/XX/XXXX.  The seller ( Caliber Homes Loans ) verbally requested to increase the sell price of the house to two days before closing date and afterward terminated the contract without giving a valid reason.On XX/XX/XXXX, I sign a contract for the property located at XXXX XXXX XXXX XXXX XXXX KY XXXX. We agreed on the listing price of {$170000.00} with the seller agreed to pay {$3500.00} towards closing cost and purchasing a limited home warranty. At that time my earnest money of {$1000.00} was given to the seller and shall have been held in the escrow account of XXXX XXXX and applied to the purchase price upon passing of deed.I was giving only 5 days to complete inspection which was performed on XX/XX/XXXX and the appraisal was completed by XX/XX/XXXX. Caliber Home Loans has refused to close on the property and has relist the property for sale as of XX/XX/XXXX, for {$180.00}. I havent signed a release of contract form. Caliber Home Loans also refused to refund my earnest money of {$100.00}. in which I also paid for the inspection and appraisal that is now a lost to me.Caliber Home Loans refused to close on the property is illegally, unethically, and discriminate. 

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

Received a report from chexsystems that my social security number was associated with another individuals account. Contacted chexsystems and they states that the inquiry was made by XXXX XXXX. Called XXXX  XXXX, and they stated that they do not have the ability to search for my social security number or associate it to an account, and they could only see the last four digits of it, and thus could not provide me with any information on what account may have been fraudulently opened using this social security number. Thus, ai could not obtain documents relating to any fraudulent transactions that may have been made or loan accounts that may have been opened using my personal information in violation of the fair credit reporting act.
Product: Debt collection

I am writing to formally dispute several accounts reported on my credit file. I have previously requested debt validation for these accounts from the following collection agencies, all of which have failed to provide sufficient verification. Under the Fair Credit Reporting Act ( FCRA ), unverified accounts must be deleted from my credit report, as continued reporting of these unvalidated debts is inaccurate and damaging to my creditworthiness. 

In addition, my personal information has been compromised in the recent XXXX and XXXX XXXX data breaches. As a result, my sensitive dataincluding social security number, financial account details, and other personal identifiershas been exposed on the dark web. These breaches have made me vulnerable to identity theft, and I believe my information may have been fraudulently used or mishandled in connection with these collection accounts. Due to the risk of inaccurate reporting and the potential for fraudulent debt, I request that all disputed accounts be promptly removed from my credit file. 

Accounts in Dispute : Receivable Management Account Number : XXXX Balance : $ XXXX Basis for Deletion 1. Lack of Verification Under the FCRA These accounts were disputed with each collection agency, and none of them provided valid proof of my obligation to these debts as required under the FCRA, 15 U.S.C. 1681i. According to Section 611 ( a ) ( 5 ) ( A ), any information that can not be verified must be promptly deleted from my credit report.

2. Compromised Personal Information Due to Recent Data Breaches As a victim of the recent XXXX and XXXX XXXX data breaches, my personal information has been exposed on the dark web. This breach has compromised my identity, and I have reason to believe that the accounts listed above may be inaccurate or the result of fraud. Exposing my credit file to potentially false and damaging information places me at further risk of financial harm. Given this background, I urge you to take this matter seriously and remove these accounts from my report under 15 U.S.C. 1681c-2, which provides consumers with rights to block fraudulent information resulting from identity theft.

Action Requested I request that each account listed above be deleted from my credit report with XXXX, XXXX, XXXX, and XXXX. 
Please provide a written confirmation of these deletions and an updated copy of my credit report, reflecting the removal of these unverified and potentially fraudulent accounts. 
Failure to comply with this request will leave me no choice but to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state Attorney Generals office. I XXXX also pursue legal action if my rights under the FCRA continue to be violated.
Product: Credit reporting or other personal consumer reports

I recently was informed that I have various accounts on my credit report that I did not open myself or authorize. I also ended up filing a police report of having my ssn card, XXXX I.D . and drivers license stolen sometime between XXXX - XXXX in XXXX. Obviously this would have been the reason for the fraudulent accounts. I have reached out the all XXXX credit bureaus attempting to resolve this matter via phone with no success, so I have now filed the ID tfeft with the FTC, now cfpb, and also a police report. According to the FCRA 605B ( 15 U.S.C. 1681c-2 ), the credit bureaus are required to block and stop reporting of all fraudulent data involved in any Identity theft with-in 4 days of receiving such request and proof of such. 

accounts and inquiries : XXXX XXXX XXXX XXXX  Account : Account listed on credit report XXXX XXXX XXXX XXXX XXXX Account : Account listed on credit report XXXX XXXX XXXX  Account : Account listed on credit report NYS Child Support : Account listed on credit report XXXX XXXX XXXX XXXX : Account listed on Credit report Unauthorized Inquiries : US Department of Education : Inquiry dates XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  : Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX : Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX : Inquiry dates XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXXXXXX XXXX XXXX : Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

Hello, I am filing this complaint against Ally Financial for breach of contract. The company had promised to remove my late payments for XX/XX/XXXX and XX/XX/XXXX. We both signed an agreement and the company has reinserted these negative marks on my account. 

In another aspect, the company has marked the month of XX/XX/XXXX as a late payment. This is what happened in XX/XX/XXXX, I extended my lease for an additional 6 months, extending it from XXXX until XXXX. I made the XXXX payment over the phone, as instructed by the representative who informed me it would be set up as an automatic payment. Despite having set up the auto payment, the company reported a late payment for XXXX. Surprisingly, I did not receive any phone calls regarding the matter, considering the payment was supposed to be automated. 

Furthermore, I never received any statements indicating that my payments were late, despite my repeated calls and insistence on obtaining such documentation. The online statements consistently displayed a balance of XXXX, adding to the confusion. Upon contacting Ally Financial, they initially assured me that the issue would be resolved within 10 days. However, upon my subsequent call, I was informed that an investigation needed to be conducted. 

Following the investigation, Ally Financial informed me that they had indeed missed the payment. I requested proof of their attempts to contact me, specifically an email indicating a past-due status, but they failed to provide any such evidence. 

This situation is stressful for me, my financial life is ruined by this problem. I can't sleep and I've lost my appetite.
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 15 USC 1681. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

To Whom It May Concern : I recently received a copy of my consumer report and I noticed some accounts on my consumer report that should not be on there. 

These agency is in violation of 15 USC 1681i ( 2 ) ( A ). They were to notify me of this in writing 5 days prior, I was not notified.

In addition to the Violation above pursuant 15 USC 1681ia ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

As the original creditor, only I can validate this debt. I do NOT validate this debt. Therefore, the following accounts must be deleted from my consumer report immediately : Listed of accounts to be deleted.

The above Accounts are inaccurate, the character is incomplete, you are reporting a charter amount that is incomplete and inaccurate.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of All Previous Addresses from Credit Report Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to request the removal of all addresses from my credit report, except for my current address. Below are the details of my request : Current Address : XXXX XXXX XXXX XXXX,XX/XX/XXXXXXXX XXXX XXXX, LA XXXX I would like to have all prior addresses removed from my credit report to ensure that only my current address is displayed. I understand that this may require verification, and I am willing to provide any necessary documentation to support this request. 

Please confirm receipt of this request and let me know if any further action is required on my part to facilitate the update to my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

Online Information Services Inc XXXX XXXX  XXXX XXXX NC XXXX Business failed to respond to collection letters required by law. They will not remove accounts from the credit agencies. I checked my credit report and found this organization placed a collection account on my report. I contacted the organization on XX/XX/XXXX regarding this issue and asked the send me their initial letter to collect a debt. I found the information they provided to be incorrect. On XX/XX/XXXX I sent a certified letter of dispute asking verification of debt. This letter was sent with a signed receipt. After 30 days past, there was no response from this organization. They are required to provide verification of debt within 5 days and a response with 30 days according to Fair Debt Collection Practices Act ( FDCAP ) as outlined in 15 U.S.C. 1692 (  outlined in my letter I sent them ). Because no response was received, I sent another certified letter with delivery receipt on XX/XX/XXXX demanding the remove the information from my credit report and consider this matter closed. In this communication I also provided a copy of the original letter sent. There has been no contact from this organization and they fail to respond to my written contact per the FDCAP. They also have not removed the account from my credit report. I am seeking resolution here before I file in small claims court.
Product: Checking or savings account

I understand XXXX is being recognized as a national holiday and all major financial institutions are closed on today XX/XX/2023 but thus doesn't explain why I'm unable to make any purchases or withdrawals from my XXXX XXXX account which I have more than enough to withdraw without overdrafting. My card has been working just fine until today XX/XX/2023. I'm concerned in regards to any prejudice or financial criminals making my financial life difficult. I visited XXXX different arms the air MESSAGES were for me to contact my financial institution, due to XXXX I'm unable to contact anyone. I have absolutely no way to get gas nor any other emergency purchases if needed. I'M stuck unable to purchase or withdraw during a national holiday due to no fault of my own
Product: Debt collection

on XX/XX/2016 a medical collection was added to my credit report that i had no knowledge of
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights are being violated by the following credit reporting agencies XXXX, XXXX and Experian. I never gave them any consent or any written authorization to report any of my private or personal information. By law ( Bad Credit is illegal ) according to 15U.S Code 1681b ( 2 ) CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER : Permissible purpose of Consumer Reports : In accordance with written instructions of a consumer to whom it relates or an order, a subpoena issued in connection with proceeding before a Federal Grand Jury. I have tried to get this matter resolved serval times and have been unsuccessful. This is affecting me mental and financial and this is also discrimination of my credit history creditworthiness according to the law 15 USC 1691 scope of prohibition : I demand that all accounts and inquiries are reinvestigated for the proof of my authorization of my written consent I demand the removal of all items. For Each Violation that is not reinvestigated you will owe me {$1000.00} for each Violation found. # fcraviolation # fdcp # consumerlawsrights # consumerlawsrights FCRA SECTION 604 ( a ) since there's no written consent that's considered identity theft
Product: Mortgage

This is now my second complaint with NewRez in regards to the same issue ; my original terms of my FHA 30 year Mortgage loan are not being honored by NewRez. My original note/term for my FHA 30 year fix is that there is no escrow cushion that is required in servicing my account. Since NewRez has bought out my loan from Ditech, NewRez stated nothing on my original note/terms would change, other than who I remit my payment to each month. 
On XX/XX/2020 I received a response from a XXXX XXXX in the escalations department stating that NewRez declined in removing the cushion from my escrow account, and that the escrow shortage would be paid over a 60 month period instead of a 12 month period. However, this is illegal. I should not have to pay for a cushion in my account because NewRez requires it for their customers. I didn't ask to be their customer, rather my loan was sold to the from Ditech. The response also stated that NewRez confirmed that a " cushion '' was included with my prior servicer and attached an " annual escrow account disclosure statement '' from Ditech. However that statement explains a future escrow shortage and the two options I have to pay it. No where on the statement does it state of me having to have a cushion or needing a cushion to fund. Rather the statement ( which I did receive annually from Ditech ) states how I would like to pay my shortage, not that I need any cushion. Therefore the documentation NewRez is providing for their proof of why I have to have the cushion is insufficient because I was never required to have one before. Also, per NewRez 's terms of taking ownership of servicing the loan, again, nothing was to change with my original terms of the note. Could NewRez please provide sufficient proof as to a cushion being added by my previous servicer 's of the loan? If not, again it is illegal to change the terms of my original FHA note without my consent, and I want my money back from my escrow cushion thus far, and the cushion to be removed. I have NEVER consented to this. 
In NewRez 's response it also states that they have a staff dedicated to compliance related functions in order to identify, resolve, and permanently correct operational deficiencies and improve upon consumer concerns. However whenever I call the escalations department I am asked to leave a voicemail for someone to call m e back and I never get a call back and that is why I have to resort to filing a CFPB complaint every time I need something to be resolved with NewRez. I feel as though this mortgage company is a scam because I can never get through to anyone, let alone have my original terms of my mortgage be honored. 
Attached you will find NewRez 's response to my initial complaint that again we are revisiting. Also attached you will find the documentation they submitted stating their " proof '' of the 1/8 escrow cushion being added by my previous servicer ( which is not proof of that rather options for my escrow shortage ). 
Again, I am asking for the cushion to be removed, and my excess monies in the escrow account to either be refunded back to me, or put to my delinquent mortgage payments.
Product: Debt collection

Accounts Midland Credit Management Claim I Owe : # XXXX # XXXX I have been engaged in an exhaustive dispute with Midland Credit Management since XX/XX/XXXX regarding the accounts Midland Credit Management asserts I owe. With each dispute, I have consistently requested detailed information pertaining to my alleged connection to these debts. Regrettably, the insubstantial and inadequate information provided thus far has failed to establish the validity of the debts Midland Credit Management claims are mine. Consequently, I emphatically dispute the authenticity of all the debts Midland Credit Management has asserted. 

It is distressing to note that Midland Credit Management has repeatedly reported false and inaccurate information in addition to the absence of compelling evidence. This deliberate violation not only breaches the requirements of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) but also disregards the obligations outlined by the XXXX XXXX requirements and the Truth in Lending Act ( TILA ). 

On Saturday, XX/XX/XXXX, I dispatched a letter via USPS Certified Mail explicitly refusing to make any payments towards the alleged debts. Moreover, I declared the closure of all associated accounts and demanded an immediate cessation of all communication unless it is solely for the purpose of confirming the closure of the accounts Midland Credit Management claim I owe. 

Due to the inability to verify the authenticity of these accounts based on the documents received thus far, I firmly believe that they may be the result of identity theft or mixed files. This deeply concerns me and further underscores the gravity of this situation. 

As a reference, I have attached a copy of the aforementioned letter and the USPS Certified Mail tracking information : Tracking # XXXX. 

It is imperative that Midland Credit Management comprehend the extent of my frustration and dissatisfaction with the violations that have occurred. I insist that Midland Credit Management rectify this matter with utmost urgency, and adhere to the laws governing credit reporting and debt collection practices. Failure to comply with these legal and ethical obligations may lead to further action to protect my rights and seek appropriate remedies. 

I expect prompt attention to this matter and anticipate a swift resolution. Please acknowledge the receipt of this letter and communicate the proposed course of action within a reasonable timeframe.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Experian for falsely claiming the disputed account XXXX as validated, despite evidence to the contrary. XXXX conducted an investigation, acknowledged the inaccuracies, and promptly removed the account from my credit report. This discrepancy raises concerns of misinformation and I request the CFPB to thoroughly investigate this matter. Your prompt attention to this issue is greatly appreciated. Experian is in violation of 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by XXXX XXXX XXXX ( XXXX ). ( Please see attachment )
Product: Credit reporting or other personal consumer reports

My request of having the accounts on my report be deleted has been ignored yet again - and this is causing me an indescribable stress that I sometimes feel like life is no longer worth living. My XXXX XXXX is my lifeline, it has allowed me to get more opportunities and life and being deprived of such opportunities is weighing down on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

a dept owed was payed to   XXXX   and since  XXXX  separate companys were used to collect on my dept the  XXXX  I payed shows my account closed the other shows it closed but will not give me a pay off statement to show to  XXXX  that I payed the account this company is a terrible collections agency