23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The company in question ( DiTech, formally Green Tree ) not only calls and harasses me on my home phone ... but they call my cell phone, the corporate office for my place of employment and leaves harassing messages on the main voice mailbox, leaves messages on my personal line at work, has left more than a dozen messages on the business line for my brother in laws business, left messages at my mother in laws house, and my husbands uncle and cousins ' houses.
Product: Credit reporting or other personal consumer reports

I hope this complaint finds you well. I have tried numerous times over the years especially the past year to have the credit bureaus accurately verify my account. They keep sending emails about the dispute being accurate. They have NEVER provided me PROOF of ANY documentation that proves these alleged accounts belong to me. Between all three bureaus there are countless violations. As a consumer under my federally protected rights, I have NOT given any company, or persons written instructions or verbal permission to list these alleged accounts. THAT IS A VIOLATION ACCORDING TO 15 U.S.C 1681b. 
I will not keep putting up with these violations and will be seeking litigation in a small claims court against your company, seeking {$1000.00} for EACH violation for EACH month for DEFAMATION, NEGLIGENT ENABLEMENT OF IDENTITY FRAUD, VIOLATIONS FOR THE FAIR CREDIT REPORTING ACT, FINANCIAL INJURY, PENALTY OF PERJURY ( 18 USC 1028 AGGRAVATED IDENTITY THEFT ), VIOLATIONS OF 15 USC 1692g, 15 USC 1692a ( ABUSIVE PRACTICES ), 15 USC 1681b ( PERMISSIBLE PURPOSES OF CONSUMER REPORTS ), 15 USC 1681 4A B2 ( MISLEADING FALSE REPORTING ), 15 USC 1666b ( TIMING OF PAYMENTS ). 

I hope this issue can be resolved PROMPTLY!
Product: Credit reporting or other personal consumer reports

On Friday XX/XX/XXXX I received an email stating an account was placed for collections on my credit report for XXXX. The account was first point coll reso. It states the account was opened on XX/XX/year>, I tried to XXXX the collections agency, someone answered asking me to give my information, name, date of birth, address & last 4 of my social. I thought they were trying to verify my account so that I can see what account this was. But he was asking for my banking information. He said that he was not a collection agency but an agency that helps remove this collection of the credit report, I informed him that I think this is a scam and he kept asking me for my bank information. I did not open a new account on XX/XX/year>. This collections account is not mine nor do I know what it is. I think my information has been used or hacked. THIS DEBT does not belong to me.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> when I was routinely monitoring my credit report I noticed that my credit score drastically decreased due to federal student loans being taken out in my name. I attended an accredited college 10 years ago and already hold a XXXX XXXX so this is identity theft. The thief used fake references, phone numbers and email addresses. I have no affiliation with the XXXX XXXX XXXXXXXX and they did not do their due diligence in confirming the identity of the thief before admission to their institution. They did not collect high school transcripts or look at identification. I immediately called XXXX XXXX XXXXXXXX XXXX XXXX, all 3 credit bureaus to report the fraud and dispute the accounts. I had to complete police reports, ID theft affidavits, FTC reports, freeze my credit and a bunch of other tasks. In total {$3500.00} was taken out. 

Since then the XXXX XXXX XXXXXXXX continues to collect disbursements on the loan with my personal information with the most recent one being paid XX/XX/year> and has not unenrolled me or investigated this as requested formally in a letter. They also requested I submit personal information such as social security numbers and a driver 's license through unsecure methods ( unencrypted email. ) I requested information about where the money was being remitted and what classes I was allegedly enrolled in and have yet to receive it while the keep me in the " enrolled '' status at their University. 

XXXX denied my dispute request and did not perform a proper investigation even though all the information was incorrect on their report. Again the phone numbers and email addresses were fake as well as the references. I am still waiting to hear back from XXXX and XXXX. My credit score continues to be impacted.
Product: Credit reporting 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 to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I let them know that I was affected by the 2019 equifax data breach and my and the only thing that was done was an account freeze and I can't open up any accounts my self not even a bank account I had credit cards opened up that my ex wife did and I made a police report letting them know she did it as well I dispute all unknown accounts with XXXX XXXX equifax and XXXX
Product: Credit reporting or other personal consumer reports

Subject : Immediate Request for Opt-Out and Deletion of Credit Report XXXX  XXXX XXXX XXXX ACCOUNT ENDING XXXX I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data.

My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections 313.7 and 313.7 ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter.

Here are the specific legislative and regulatory grounds for my request : XXXX. XXXX*15 U.S.C. 6802XXXX  - Mandates explicit consent for financial information disclosure, including a clear option to opt-out. 
XXXX. XXXX16 CFR 313 ( Privacy of Consumer Financial Information ) XXXX - Ensures my right to privacy and to block unauthorized personal information disclosure. 
XXXX. XXXX15 U.S.C. 1681XXXX - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files. 
Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights. 
Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.
Product: Debt collection

Years ago, I opened up a credit card with XXXX XXXX. I was doing a good job paying everything back on it that I used, but then my family and I had an emergency in which we were being kicked out of our home. I had to use the credit card more often and had no money to repay what I used. Eventually, it accrued more interest and was closed. Yesterday, I received a call at my job from a credit debt company called Orion 's Management at my place of employment, looking for my supervisor. I got the information from them and called them back from my personal phone. I spoke to a XXXX XXXX ( XXXX? ), and asked him why he was calling my work. He told me his company had left several messages with me ( they had n't left any messages, as far as I know ) trying to get in contact with me and had received no word. They told me they were calling my work to speak to a supervisor about garnishing my wages, for an ~ {$800.00} credit card bill. They told me they would file for a judgment against me. When I told XXXX XXXX that if I were to pay it off right now, I would have absolutely no money for my rent or bills, he became extremely rude and told me " Well then, get out your calculator and see what XXXX % off of your paycheck will do to your rent, '' and then we hung up. I feel that Orion 's Management has broken the law several times in that one phone call. XXXX XXXX called my place of employment, for one, after his company had called my place of employment once before and my Supervisor told him not to call anymore. He also wanted to speak to my supervisor about garnishing my wages, which is something he should not be able to do without an official judgment against me. His rudeness and bullying also caused me, who is diagnosed with XXXX and XXXX, to become XXXX and cry while I was at work, making it difficult for me to continue doing my job. I feel that XXXX XXXX has most definitely broken some laws here and I would like for his behavior to be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Enhanced Recovery Corporation reported new collection account to all 3 credit bureaus with a date of XXXX XXXX 2017 for an XXXX XXXX Account. No one from this company attempted to contact me prior to filing the collection account on my credit report to provide me with notice of the debt or to provide me with an opportunity to dispute the debt. 

1 ) Correspondence requesting verification of debt previously forwarded to XXXX XXXX XXXX. 

2 ) Collection account has been reported as new collection on XXXX XXXX 2017, reporting this as a new collection account which is inaccurate.
Product: Student loan

I applied to have my loan payments decreased in XXXX of 2016, I was denied by Chase/XXXX and the reason stated was " income '' but no further details were given. 

I called XXXX and they told me I was denied multiple times so Chase must have done their best to make sure all my paperwork was reviewed. 

What I want to know is more details about how my income was denied. I am currently working part time and receive partial unemployment benefits. I have medicaid as receive a modest amount of food assistance. 

I do n't understand why I am not able to know more details about why my application was denied. 

I work diligently to keep financial life afloat and my credit in good standing. I continue to make payments, even if they are late I do it as a sign of good faith that I am doing what I can and not just defaulting on my loans. 

I need answers.
Product: Consumer Loan

I purchased a laptop computer on line from XXXX XXXX. This is the XXXX XXXX I have ordered and all have been defective and had to return them. I purchased this XXXX through a different vendor thinking that would help. It came to me messed up so I called XXXX who worked with me to fix it however, it did n't fix it. Now it is even worse. I tried to return it as the ship date was XXXX XXXX, 2016. They said it had to be returned the XXXX since I ordered it on that day. This computer is useless and I can not use it. This does not seems right to me at all. I am simply out the purchase price of a defective computer.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. 
On ( Date ), I sent a letter to TransUnion notifying them of the reinsertion of XXXX XXXX XXXX  account number XXXX my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days after sending the letter, TransUnion has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. 
TransUnion 's actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with TransUnion, they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws
Product: Debt collection

I received a voice mail from XXXX and XXXX and XXXX today within 3 hours and the messages indicate that they are after me and that the police will arrest me and to call now. That there are serious allegations against me. One Company listed was ASG.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently paid off my XXXX  account, I found they have reported a delinquent payment on this closed account to the three credit buearus. I have never been delinquent on this account.
Product: Credit reporting or other personal consumer reports

I had XXXX XXXX XXXX  for XXXX XXXX with a near-perfect record of payments. in XXXX- I tried to log in on my phone from the app as well as the browser on my laptop and could no longer log in with my 2-party authentication using my phone number which was the same as my account. I emailed them dozens of times and called a phone number I found on XXXX where I was only met with an option to leave a message. They never responded to any of my emails and never returned any of my messages. every " your account is past due email I received, I would reply and tell them I was locked out of the payment portal and no one ever replied. Since then, they have been reporting negatively on all of my credit reports, causing me a financial burden in obtaining credit. I have still to this very day NEVER received a reply email back regarding my locked-out account, only " past due '' emails and settlement offers. I even just recently, received an email from them offering a settlement where I responded with screenshots of my dozens of emails from XXXX telling them I'm locked out and can't make a payment, needing assistance in accessing my account... and was sent a robot blanket message back.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 


XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXX
Product: Mortgage

I hope this letter finds you well. I am writing to formally express my concerns and demand the immediate release of my mortgage obligation due to multiple breaches of contract and violations of the Real Estate Settlement Procedures Act ( RESPA ). 

Background and Timeline : XXXX XXXX XXXX XXXX XXXX claims to have sent a " Goodbye '' letter, notifying me of the transfer of my mortgage to XXXX, effective XX/XX/2024. 

XX/XX/2024 : The " Goodbye '' letter was uploaded to my account, not within the required XXXX days before the transfer date, in violation of RESPA. 

XX/XX/2024 : Upon receiving my XXXX  XXXX payment, I attempted to make my mortgage payment, but the balance showed {$0.00}. 

XX/XX/2024 : XXXX claims to have sent a " Welcome '' email, which I did not open until XX/XX/2024. XXXX falsely stated that I opened the email on XX/XX/2024. 

XX/XX/2024 : I received a physical " Welcome '' letter from XXXX, again not within the required timeframe, in violation of RESPA. 

XX/XX/2024 : After being informed about the email from XXXX, I located it unopened and took a screenshot before opening it. 

XX/XX/2024 : XXXX denied my request for the originally signed loan documents, stating I must obtain them from XXXX. 

Violations : Equity Prime Mortgage ( EPM ) : Failure to Provide Timely Notice : The " Goodbye '' letter was uploaded to my account on XX/XX/2024, not within the required 15 days before the transfer date, violating 12 CFR 1024.33 ( b ).

Provision of Incorrect Contact Information : EPM provided a non-functional contact number for XXXX, delaying my ability to resolve the matter. 

Refusal to Provide Documents : EPM denied my access to the originally signed loan documents, which is a violation of my rights under RESPA and the Truth in Lending Act ( TILA ). 







XXXX : Failure to Provide Timely Notice : XXXX did not send a physical " Welcome '' letter until XX/XX/2024, well after the transfer date, violating XXXX XXXX XXXX ( b ). 

False Statements : XXXX falsely stated that I had opened the email on XX/XX/2024, which was not true, constituting deceptive practices under RESPA and the Fair Debt Collection Practices Act ( FDCPA ). 

Impact : As a XXXX XXXX XXXX  veteran with significant physical and mental health challenges, the mishandling of my mortgage transfer has caused me immense stress, sleepless nights, and XXXX. This situation could have jeopardized my family 's first true sense of home and stability. 

Additionally, as the XXXX XXXX XXXX XXXX XXXX XXXX, this ongoing issue has severely affected my business. I have missed multiple opportunities to participate in events that would have brought exposure to my brand due to the mental anguish and time consumed by addressing this problem. I should not have to focus on such a ridiculous problem, nor should I have to prove to a company their wrongdoings. I could never imagine being a business owner that attempts to cover up having done something wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I retrieved a copy of my credit report and immediately noted that Clark County Collection Services had inserted a derogatory entry on my credit reports and had not sent me any correspondence ( dunning letter ) prior to doing which would have granted me 30 days as required by law to dispute the validity of the alleged debt. To that end, I communicated in writing ( see attached ), to the credit bureaus regarding this inaccurate, erroneous, unverifiable entry being placed on my credit reports. The credit bureau responded, see attached. The bureau responded that the company verified the information as correct. How so? A third-party collection company can only validate a debt. The original creditor is the only one able to verify a debt. Nonetheless, Clark County Collection Services did not advise the bureaus to update the account status to disputed. This is a violation. The dispute with the bureaus was the first notification Clark County Collection Services received and should have advised the bureaus at the time they allegedly validated the information that they should update the entry to disputed. 
Clark County Collection Services did not and as you can see in the attached document, it does not denote it was in dispute. This violation in and of itself warrants Clark County Collection Services to delete this entry. My continued efforts to remove this entry from my reports was through with a direct dispute to the company. If they were previously aware of the dispute from the bureaus and advised the bureaus that the entry was correct, they were negligent in not advising the bureaus to update the account to disputed. Clark County Collection Services did not provide the comprehensive account history for this account; including but not limited to all invoices, payments, notices, documents that bear my original signature and also any documentation that reflects I agreed to levelized billing with their company. The FCRA provides that utility companies may only provide or furnish information to the credit bureaus if they provided a consumer credit. 
Clark County Collection Services did not provide any documentation that bore my original signature nor did they provide or furnish an agreement reflecting their authority to collect on this alleged debt in the state of Tennessee. Clark County Collection Services did not provide a copy of all terms and conditions of the account from its alleged inception. They did not provide a complete accounting ledger of the alleged debt nor did they provide the name and address of the bonding agent in case legal action becomes necessary. Clark County Collection Services blatantly violated my consumer rights and continues to do so. This alleged debt lacks veracity and verification ; further since they are violating FDCPA mandates to provide me notification prior to inserting it on my credit report and ( 2 ) failing to cease collection efforts and reporting when they received the letter of dispute. This entry should be deleted from my credit report immediately and Clark County Collection Services should remunerate me for the violations.
Product: Student loan

I submitted a complaint already XXXX. I have been trying to get my cosignor released. First they told me I didn't make 36 consecutive payments and sent me a denial. Then after I contacted them they realized they were wrong and had to resubmit the form again stating that us citizenship was not checked off. I then was told they could take it verbally and the a letter stating it had to be resubmitted again. 
I then receive a letter dated XXXX stating I meet the eligibility of cosignor release. Then on XX/XX/12 I receive another denial letter. This has been going back and forth with stating it will be then it won't be. I hope the cfpb will look at this and agree that citizens stated the cosignor should be released and process this with out any more issues.
Product: Credit reporting or other personal consumer reports

I have requested on several occasions documentation for all accounts reporting to my consumer report as well as all evidence of investigations and reinvestigations for disputes. 
this is my final step before seeking judgment.
Product: Credit reporting or other personal consumer reports

Around three years ago, I applied for a credit card with XXXX, I was contacted by XXXX stating my Social Security number was unable to be verified, they provided me with Experians phone number, in which I contacted them, and they would not answer the phone or let me speak with a representative, Ive created an online account, and I am unable to request informational change due to my social not being verified through their own website.