23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I sent Monterey Collections XXXX a certified letter requesting they send me any documentation bearing my signature. I asked for documents of any contract that i and or Monterey Collections XXXX  ever had and on multiple occasions they replied to my certified letters with what they feel is they proof ... my problem is they sending me an alleged contract with a signature ( I didn't do ) between myself and XXXX XXXX XXXX 
I sent certified letters expressing they reporting on my credit file ( inaccurate information and can they remove it from all XXXX reporting agencies..they responded by saying its they last time responding to my mail and I need to start paying on what I don't owe them .... I never had a verbal contract with said Collection agency, nor did I ever sign a contract with said agency that I agree to pay them anything. Please help me get this embarrassing, humiliation, derogatory error of my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/2018 Reference # : XXXX ACCOUNT NAME : XXXX  Account # : XXXX ACCOUNT NAME : XXXX  Account # : XXXX ACCOUNT NAME : XXXX XXXXXXXX Account # : XXXX ACCOUNT NAME : XXXX XXXX Account # : XXXX ACCOUNT NAME XXXX XXXX Account # : XXXX ACCOUNT NAME : XXXX  Account # : 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
Product: Debt collection

I don't have account with t-XXXX  and i never had account with this company. This is fraud. Please delete from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Please investigate that this account is reporting 100 accurate. I see so many errors which is a FCRA violation. 
USDOE/XXXX Account Number : XXXX 2. FDCPA section 807 Violation misleading false reporting XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX 3. FDCPA section 807 Violation misleading false reporting XXXX XXXX XXXX  Account Number : XXXX 4. FDCPA section 807 Violation misleading false reporting XXXX XXXX Account Number : XXXX 5. FDCPA section 807 Violation misleading false reporting 08 XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX 6. FDCPA section 807 Violation misleading false reporting 06 XXXX Account Number : XXXX 7. 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
XXXX XXXX XXXX Account Number : XXXX 8. 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
XXXX Account Number : XXXX 9. 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
US DEPT ED Account Number : XXXX 10. 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
US DEPT ED Account Number : XXXX 11. 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
FEDLOAN Account Number : XXXX 12. 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
XXXX XXXX Account Number : XXXX 13. FDCPA section 807 Violation misleading false reporting XXXX Account Number : XXXX 14. Misleading false information This a XXXX violation you can not report health information on my credit report Account Number : XXXX 15. 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
XXXX XXXX XXXX Account Number : XXXX 16. 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
XXXX Account Number : XXXX
Product: Debt collection

I have an invoice clearly stating amount due to Kohls with a due date of XX/XX/2018. Yet they keep calling from : XXXX XXXX XXXX XXXX When I answer, they dob't say who they are, only a first name, like, " XXXX '' XXXX I ask where calling from. They won't say, just ask for me again. I have to finally ask what company are you calling from. They relunctantly and very fast answer. 
I've told them at least a dozen times and texted at least 5 times to stop calling me. I will pay what I owe when it is due. I do nit need to be called numerous times throughout the day from different numbers harrassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to correct these pieces of 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 # XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXX XXXX  XXXX Balance : {$22000.00} ; XXXX/XXXX  XXXX Balance : {$3.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$180.00}
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX credit bureaus XX/XX/year>, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX  XXXX Balance : {$210000.00} XXXX XXXX Balance : {$210000.00} XXXX XXXX Balance : {$210000.00}
Product: Mortgage

In XX/XX/XXXX, the Consumer Financial Protection Bureau and the Ohio Attorney General interceded on my behalf and Ocwen did provide relief for me by reducing the 2nd mortgage on my primary residence at XXXX XXXX XXXX XXXX, OH XXXX Account # XXXX. However, I was not given relief as I requested at that time for the second mortgage at XXXX XXXX XXXX XXXX, OH XXXX Account # XXXX. 
Recently Ocwen has sent me numerous emails and letters in the USPS mail to apply for a lower rate. I request the subprime predatory 9 % APR be lowered for the XXXX XXXX XXXX house because I have already paid the exorbitant amount of at least {$30000.00} for the {$20000.00} loan in XX/XX/XXXX from American Home Mortgage ( AHM ). I am in a vicious cycle of low credit eligibility to refinance according to XXXX XXXX in XX/XX/XXXX due to debt : income ratio because of the mortgages. In XX/XX/XXXX/XX/XX/XXXX Ocwen Research office in XXXX XXXX, XXXX XXXX at XXXX XXXX XXXX x XXXX # and XXXX XXXX at Ocwen Escalating Dept XXXX XXXX offered modification with 20 more years of payments from the original 2nd mortgage balance. I will not be alive 20 years from now! 
In XX/XX/XXXX, I will be XXXX years old and the XXXX XXXX XXXX 2nd mortgage loan is due close to the original {$20000.00} loan. I don't want to die and leave my son strapped with house debt similar to sharecropping. I bought my primary residence in XX/XX/XXXX for {$65000.00}. In XX/XX/XXXX my credit score was XXXX. The AHM lender would not let me buy the 2nd house next door that my son lives in without mortgaging my 1st house.
Product: Student loan

Back in XXXX, we were reapplying for our income based repayment plan. On XX/XX/XXXX we received an email saying they received our information. On XX/XX/XXXX, we received a message stating that our forbearance/deferment was ending with no indication of the repayment plan but still indicating that our payment would be {$160.00}, which was what we were previously paying. On XX/XX/XXXX, we received an updated payment plan, which was switching us to standard repayment of {$270.00}. I phoned them asking about the status of out repayment plan renewal and was told that I could ignore the standard payment and needed to wait until the committee looked over my application. On XX/XX/XXXX, they emailed in response to my phone call stating they had my tax return information and that they have estimates of repayment but no guarantees and that it could take 14 days to come to a decision. On XX/XX/XXXX, we received another email that our repayment application had been received. On XX/XX/XXXX, we received 2 different emails stating that we were missing documentation. One was for a section of the application missing information and proof of income. This was despite being previously told they had our proof of income. OnXX/XX/XXXX, they enabled that they needed my husband 's signature. This prompted another phone call. On XX/XX/XXXX, they emailed us saying they received our proof of income and it takes 15 days to process. On XX/XX/XXXX, we received an email stating that we were back in standard repayment with the higher payment due. On XX/XX/XXXX, after we had emailed them trying to clarify, they responded saying they needed a signature from my husband, reapply, and proof of income. I called them the same day and was told that I had filed the application our incorrectly and not to worry because we were still in deferment. We promptly typed a new application with my husband 's signature and emailed it to them with a message saying that we already had proof of income and tax returns on file. On XX/XX/XXXX, XXXX XXXX from Navient emailed stating she had submitted a request to expedite our request received XX/XX/XXXX along with proof of income received onXX/XX/XXXX It also said a letter would be sent to us when a determination is made. Today, we received 2 emails stating that the application was missing information and proof of income. We emailed them tonight saying that was impossible because we typed the application and had it in front of us and they already indicated they have our proof of income. Meanwhile, XXXX, my other lender, has already approved my repayment plan without any trouble.
Product: Credit card or prepaid card

Dear CEO, CFPB, Synchrony Bank approved my application for a credit card limit of {$6400.00} with Retailer Rooms To Go that is associated with the credit card, with a Purchase XXXX : of XXXX  % on account ending in # XXXX, but have only been reporting to the Credit Bureau a different credit limit of {$5000.00} with the same finance charges. 

After reviewing my account online through their online website and reaching out to the online customer service assistance in regards to the XXXX changes that were made without my knowledge and changed in regards to acknowledging my reasonable accommodations and not reporting accurate billing information and if they could explain and send me disclosures of their policy & procedures because of my XXXX XXXX XXXX that I needed to speak with someone who could help me understand why this happened, they told me that they had the right to lower my credit limit without consulting with me and sending me a disclosure of any new terms, future terms and conditions and/or agreements contract regarding my credit card and the finance charges and XXXX percentage oXXXX XXXX XXXX. I am being charged late fees of {$41.00} dollars, with a monthly bill of {$260.00} the day of my due dates and not being allowed to use my reasonable accommodations while still being charged late fees for my up coming bill before it is even due. I have made all my payments on time for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XXXX XXXX is actively defrauding " investors '' and the unsuspecting public about an impending IPO by soliciting investors to buy shares of a company that has no intention of going public. This is ongoing - the website is still up and open to take money from folks of all walks of life, not just accredited investors with plenty of money and a high appetite for risk-taking. They'll take from anyone. I have contacted Chase bank to ask that they reverse this charge but they refused because they don't see this fraud since I offered my info over to the " company ''. XXXX XXXX accepted {$3300.00} from me in return for 300 shares at " $ XXXX ''.
Product: Credit card or prepaid card

American Express is refusing to issue eligible XXXX credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX Account # XXXX has violated my rights. 


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 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies I HAVE THE RIGHT TO PRIVACY
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

I used a Bank of America, XXXX card XXXX months ago to purchase a plane ticket, reserve a rental car, and to reserve a hotel room XXXX. The following day I was told my card was used for fraud and they cancelled my card and would sent a replacement in XXXX days. After XXXX month I contacted them and said I had not rec 'd the cards. They then told me I had to call. I am presently in the XXXX and my address is in XXXX. The first person I spoke to said he would send the cards overnight to me in the XXXX. It was a Collect call, but I ran out of time before I gave him the address here. When I called back I spoke to XXXX different people, with each it got worse. Now they said I have to call their Credit Dept., by now I have spent more than {$100.00} on phone calls. I tried their message center, that is worse, I keep getting a form letter and told to call. Now I asked for my monthly payment amount and balance, because it looks like I 'm not getting a card. I still get no answers to my questions.
Product: Credit reporting or other personal consumer reports

The accounts in question were sent to XXXX party collections in XXXX Radius Global Solutions LLC and was dissolved in XXXX, all credit reporting agencies have removed this account except XXXX. This account needs to be removed immediately. XXXX XXXXXXXX XXXX XXXX XXXX and XXXX regions bank credit cards that have been modified as part of updates through XXXX and just increased the length of time, change of balance amounts and a lot more? These XXXX accounts were managed by XXXX XXXX XXXX while at Radius Global Solutions LLC and have since been removed from XXXX, XXXX and Radius Global Solutions LLC databases but still lingers on at XXXX? I have provided all original creditors with the Reference ID provided by XXXX and they just brushed it off as part of an ongoing investigation that does not require and investigation? Please reach out to these people and creditors alike and see what they will say to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation personal information not mine XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FCRA Violation credit card payment not late XXXX XXXX FCRA Violation auto loans not mine XXXX  XXXX EMPLOYEES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation inquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My Slate account ending in XXXX has been billed interest and fees associated with a charge in the amount of XXXX on or around XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA. This charge has been in dispute since XX/XX/XXXX with no resolution, an account supervisor stated today, XX/XX/XXXX, the merchant has not replied and does not have to. This is the second phase in disputes process. The dept handling dispute does not accept inbound calls.. Information was provided prior, as far back as XX/XX/XXXX, showing the items were not received. I know this info was included in initial dispute. XX/XX/XXXX tracking info shows package left with a XXXX XXXX, no one by this name lives at my address and I did not receive the package. Again, this information was provided to disputes reps several times as well via secure message on Chase.com. If Chase reps failed to see it and or act on it, that is their own error, not mine. It appears this is the case as the dispute is now in phase two in which the merchant does not have to reply, according to an account manager..
Product: Credit reporting, credit repair services, or other personal consumer reports

I attached a letter regarding what I am disputing. This is about a bankruptcy that is not mine.
Product: Debt collection

I've spoke with Wakefield and Associates four times to have three medical bills removed from my credit report. They were made in error by XXXX XXXX. XXXX requesated them to be cleared from my credit report and Wakefield has refused to provide me with any information to show they have complied. The last time I spoke with an agent with Wakefield she placed me on a ten minute hold then told me " We have a process and hung up on me. ''
Product: Mortgage

Our mother owned a house in XXXX. She XXXX last year from XXXX XXXX XXXX and we are now trying to sell her home. Prior to her XXXX, she transferred title to her home to my sister and me through a XXXX XXXX Deed. 

She owned less than $ XXXX in assets and as we are the only heirs, there is no need to do a probate. 

A probate is expensive and is not required in this case because she didn't own anything. Just the house. Which she transferred to us. 

There is a mortgage on the house and we have been paying it monthly since our Mother 's XXXX. 

However, Ditech will not give us any information on the account. We are the legal heirs and legal owners of the property - and DiTech will not give us a payoff, or tell us the monthly amount to pay. We are trying to do the right thing and they won't speak to us at all. We even called after Hurricane Irma and they wouldn't give us any information on how much the monthly payment should be or if we should defer payments due to financial hardship after the Hurricane. 

We are trying to sell the house and we have sent to DiTech our Mother 's XXXX  Certificate, the XXXX XXXX Deed which transfers title to our names, and our authorization to release the payoff to our Attorney 's office. 

Ditech is saying that we are not authorized to get any information on our mother 's account. We own the house. We are her only children. And they will not give us access to our mother 's account. 

It is legally unnecessary to do a probate on our Mother 's estate - and is a financial burden to us. 

And yet, Ditech still refuses to review their regulations - they see a " one size fits all '' approach and don't realize there are individual circumstances. 

Our mother 's estate does not require a probate. We own the house. We are trying to pay them as per the Note our Mother signed - and they are not giving us the payoff information. 

They are preventing us from selling the house, providing clear title to the buyer, and paying the money due to them. 

This is obstruction. This is cruelty. This is business at it's worst. 

XXXX size does not fit all, Ditech. And someone in your organization should have a brain to figure out how to provide a payoff so that it doesn't cause your customers and their family members undue financial burdens or undue stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 & XX/XX/2020 CAPITAL ONE added inquiries on my credit report per XXXX XXXX. These inquiries were not authorized in writing by me. These inquiries were disputed and unsuccessful removed by the credit bureaus. According to the FCRA, CAPITAL ONE has violated my rights as a consumer And Im requesting legal action to remove these inquiries.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in months that are reported late 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 XXXX  days before the payment due date. 


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


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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