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

In XXXXXXXX XXXX XXXXXXXX, i filed a dispute regarding account XXXX, this company failed to provide a descriptive report on how it was concluded that the account in question was accurate and fair. There was no payment history provided, there was no original documentation provided to me regarding the validity of the account. 

Account name XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$7600.00} past due as of XX/XX/XXXX. 

Status updated XX/XX/XXXXXXXX XXXX
Product: Mortgage

I first requested a Loan Modification Packet from Ditech Financial on XXXX/XXXX/2016 which I never received. I have never missed any other correspondence from Ditech. After calls to the service center, I was instructed to download documents from the website and given a list of other documentation to upload or send into the company. I sent in everything as requested. On XXXX/XXXX/2016 I called XXXX back and was told my application was not complete and additional items were required. I sent in much of the same information again. Since that time I have called multiple times to check the status and every time I get the same story- something is missing from my file/I need to send something else in before the modification can be reviewed. 2 weeks ago, I was told all my modification paperwork had been received and that they would begin reviewing the file. Oddly, the Supervisor came on the phone line to clarify why I needed a modification and discouraged me from proceeding until I explained I had a XXXX. I guess fear of discrimination made her back off. 
Yesterday I called to check the status of my Modification requests and was told that the underwriter assigned to my file was no longer with the company ( which was untrue ), and that my applications was not complete. Ditech had lost a document I sent in TWICE before, and stated this is the reason I have not been reviewed for modification. I 've been asked to send in the non-borrower 's credit form XXXX different ways. My tax forms were sent in twice with my signature page a XXXX time. CS representatives actually instructed me to " just XXXX '' forms I could n't find on the Ditech website. One XXXX instructed me to download and send in a form that had another bank 's name inscribed. 
In another phone call yesterday, I requested a copy of my consumer rights and was told that no such thing existed. A supervisor said something to the affect that maybe I was referring to CFPB but they did n't have to provide copies. 
At this point I feel that my modification request is being intentionally blocked. The requests for multiple resubmissions of paperwork is nothing short of harassment. If this is the improved XXXX Ditech is supposed to be providing as a result of the Greentree settlement they are failing terribly. CFPB needs to stop Ditech. This site is full of stories just like mine.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX SSN : XXXX Contact Number : ( XXXX ) XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX Dear TransUnion, I am writing to dispute unauthorized credit inquiries on my credit report that I believe to be fraudulent. I did authorize the inquiry but I got denied for a loan based from a fraudulent collection account. They removed the collection account as asked. If the fraudulent collection account was not on my report I would have been approved for the personal loan. I couldn't bury my grandmother because of the loan denial. I am requesting that this item will be removed from my credit report as they are affecting my credit score unjustly and essentially ruining my life. I called XXXX XXXX and they told me disputes are placed on Transunion and not through them. 

Personal Information for Verification : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX SSN : XXXX Contact Number : ( XXXX ) XXXX The details of the fraudulent inquiry are as follows : XXXX XXXXXXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX, XXXX, VA XXXX ( XXXX ) XXXX The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. This inaccurate reporting is negatively impacting my good name, character, and ability to qualify for new credit. As a consumer, I have a right to accurate and fair reporting of my credit history, and this discrepancy is creating an unfair and inaccurate representation of my creditworthiness. 

Enclosed are copies of [ any relevant documents or proof of the dispute, such as my ID, I request a prompt investigation into these matters and the removal of these unauthorized inquiries from my credit report. Please confirm the receipt of this letter and inform me of the outcome of your investigation. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

My check was stolen from my mailbox, it was supposed to go to my mortgage company for my house payment. The theft signed the back of my check and deposited it to his personal account. I called Chase 38 days ago and she told me it will resolve in 30 days. I called again today on XX/XX/18 and they changed the story to 60-90 days to resolve this. I need my funds ASAP to pay this month 's mortgage payment. 
Chase XXXX : XXXX Amount : XXXX Check # : XXXX
Product: Debt collection

The company " AmeriCollect '' calls to collect a debt we don't owe. We're on the Do-Not-Call-Registry ; they shouldn't be calling us. They call from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at a copy of my consumer report and noticed some late payments being reported by Flagship Credit Acceptance by law that should be on my consumer report. 15 U.S. Code 1681a - Definitions ; rules of construction ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for. This is how a consumer report should look by law and it doesn't say late payment to be on there in ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; it clear states transactions which late payments are should be excluded from my consumer report. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. It is your duty to provide accurate information so i ask that the late payments on the account are updated to show OK or Paid as agreed
Product: Debt collection

This company ( XXXX XXXX ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$2100.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Product: Debt collection

This debt is not mine. I was XXXX XXXX military and insured by XXXX XXXX XXXX status of XXXX XXXX also insured by XXXX  This is a violation of HIPPA due to my medical records being shared with a 3rd party collector. Im requesting that this is removed from my credit. It shows on my credit four times for various amounts.
Product: Debt collection

Via Certified Mail : Midland Credit Management XXXX XXXX De La XXXX XXXX XXXX XXXX XXXX, CA XXXX Account # : XXXX Dear Sir or Madam : I received a debt collection letter from you. I do not believe you have the right person. I am requesting that you supply me with a contract or agreement signed with your company or the Creditor. 

VALIDATION REQUEST PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ), I AM REQUESTING THAT THE FOLLOWING PROVIDED VIA CERTIFIED MAIL : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR, VERIFICATION OF THE DEBT WITH ORIGINAL CONTRACT FROM THE ORIGINAL CREDITOR WITH MY SIGNATURE, AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 


ALL THE DEBT ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR, PLEASE INCLUDE THE ORIGINAL PURCHASE AGREEMENT THAT SHOWS YOU ARE THE OWNER OF THIS ALLEGED DEBT, ALSO INCLUDE THE TERMS AND CONDITIONS THAT ARE INCLUDED IN THIS PURCHASE AGREEMENT. 


PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR. PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR. 

PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT PER THE FDCPA ( 15 U.S.C. 1692 ) Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have already reported this debt. I am also requesting that any and all further communication be done via certified mail. Please State why you have a permissible purpose to contact my credit. Please note that I dispute this debt. 

FURTHER INFORMATION REQUEST AND ACTION TAKEN I am also requesting additional information from XXXX, XXXX, the original creditor you have listed on the letter dated XX/XX/year>, and received via XXXX on XX/XX/year>. 

I am also filing a complaint with the CONSUMER FINANCIAL PROTECTION BUUREAU ( CFPB ) as Midland Credit Management is in violation of the FDCPA ( 15 U.S.C. 1692 ) and they are as follows : I requested VALIDATION OF DEBT verbally and it was never sent. 


Several people in your office called my wife multiple times and even ask that she make a payment or make payments arrangements on my behalf. She was also given amounts that they said pertained to this alleged debt. My wife had no knowledge of Midland Credit Management and also ask that VALIDATION OF DEBT be sent to my address and was never received. 


It is my understanding after speaking with an Attorney that both of these issues were a violation of the FDCPA. 


IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute that I owe this debt to you or any company associated with Midland Credit Management. If you pass this on to another debt collector, please provide them with notice of my dispute to owing this debt. I look forward to your response within 30 days from the date of this letter. 

Thank you for your immediate cooperation.
Product: Credit reporting or other personal consumer reports

How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. Ive noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRAXXXX XXXX XXXX compliance which is done truthfully, correctly ( promptly ), completely, AND accurately as well - or else I would have to escalate these issues to the CFPB, FTC and my Attorney General. 

Summary of Accounts being Challenged in list form : XXXX XXXX - Account Number:XXXX XXXX XXXX - Account XXXX
Product: Credit reporting or other personal consumer reports

My ) XXXX  ) XXXX XXXX XXXX XXXX, account has been reported as a charged off account and as a LINE OF CREDIT. I never had a line of credit with XXXX XXXX as it fluctuated based on purchases. I had difficulty paying through their app and customer support was impossible. 

When true accords became involved they reassured me that once I paid all would be removed from my credit and I could resinstste my account. 

XXXX argued that was not true and instructed me to contact XXXX XXXX. It became a a back and forth to find a resolution. 

I am now getting emails from XXXX  telling me my monthly statement is ready but have not done business and have a closed account with XXXX  for nearly 8 months.
Product: Credit card

Chase sent me a letter said terminating their relationship with me and cancelled my credit cards with them. They wont give me a reason. Want to know why cancelled?
Product: Debt collection

Navient hired XXXX XXXX XXXX XXXX to collect on a private student loan debt. Under complaint number XXXX, XXXX XXXX " XXXX '' XXXX alleges that they used " XXXX Collection Advantage to identify, confirm, and/or validate your location information due to the fact that we have been unable to identify your actual mailing address and you have mailed to provide same. '' I had requested in writing to XXXX in XXXX 2015, not to contact me anymore to which they agreed. There was no reason that XXXX needed location information since they had a cease and desist request from me. However, they used the XXXX on XXXX XXXX, 2015, for which there was no reason for it since they were not to contact me after XXXX 2015. The only reason FAMS used the XXXX on XXXX XXXX, 2015, was to harass and annoy me in flagrant violation of the Fair Debt Collections Practices Act. They had already received a written cease and desist in XXXX 2015, so there was no reason to try and contact me after that time.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Alleged Fake Rental Debt Account Dear Sir/Madam, I am writing to formally dispute the alleged debt referenced above, which is being pursued by XXXX XXXX XXXX XXXX I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) in resolving this matter under the guidelines of the Fair Debt Collection Practices Act ( FDCPA ). 

I want to emphatically state that I have never resided at nor applied to the location associated with this alleged debt. Therefore, the debt in question is entirely fabricated and without merit. Despite my repeated attempts to resolve this issue directly with XXXX XXXX XXXX, they continue to pursue collection activities based on false claims. 

I request that the Consumer Financial Protection Bureau intervene in this matter and require XXXX XXXX XXXX to provide the following documentation to verify the validity of this alleged debt : Any and all records purportedly linking me to the rental property or application associated with this debt. 
Documentation proving that I applied for or resided at the aforementioned location, including any signed contracts or lease agreements. 
Proof of any communication between myself and XXXX XXXX XXXX regarding this debt. 
Any other evidence supporting the legitimacy of this debt. 
Given the fraudulent nature of this claim and the ongoing harassment by XXXX XXXX XXXX, I urgently seek your assistance in resolving this matter. I request that all collection activities cease immediately, and any negative remarks made on my credit report related to this false debt be retracted promptly. 

I appreciate your attention to this urgent matter and trust that the Consumer Financial Protection Bureau will take appropriate action to protect consumers from unjust debt collection practices. 

Thank you for your prompt assistance.
Product: Credit reporting or other personal consumer reports

I am writing to formally request updates and corrections to my credit report. After reviewing my credit report, I noticed discrepancies in my personal information.
Product: Checking or savings account

XX/XX/2023 I did not open an account and there has been negative reporting information. I have tried to contact them numerous of times and no response.
Product: Credit reporting or other personal consumer reports

According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX  XXXX Balanced {$150.00} XXXX XXXX XXXX Balanced {$12000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is now my 3rd round of trying to resolve this issue with EQUIFAXboth XXXX AND XXXX have completely and fully resolved this issue if EQUIFAX does not resolve this issues promptly I will be seeking legal action. 
I have shown supporting evidence that I have entered into the XXXX XXXX FRESH START INITIATIVE PROGRAM and that my account XXXX XXXX XXXX Student Loan account # XXXX under my EQUIFAX credit report is continuing to report not ONLY a debt but even worse as being in COLLECTIONS. They are violating my rights under the federally protected consumer rights to privacy and confidentiality 15 USC 1681c. ( a ) ( 5 ) statute which states that no consumer reporting agency may make any consumer report containing any of the following terms of information, any adverse item of information, other than records of convictions or crimes which antedates the report by more than seven years. As well as USC 1681 s-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. Furthermore and perhaps MOST importantly EQUIFAX is violating my rights Under The XXXX XXXX XXXX XXXX in accordance with the Education Department which states ( 3 ) The negative mark of default on borrowers credit reports will be removed. 

( 4 ) Restored Loan Rehabilitation.Fresh Start doesnt affect the one-time opportunity to rehabilitate loans, granting borrowers another chance at rehabilitation if they default in the future.

( 5 ) Credit Reporting Changes.Starting in XX/XX/XXXX, defaulted loans held by XXXX are reported as current rather than in collections to credit bureaus. For loans held by a guaranty agency, this shift begins in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  were reflected as late payments on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

DeptedXXXX, DeptedXXXX DeptedXXXX DeptedXXXX, DeptedXXXX, DeptedXXXX DeptedXXXX, DeptedXXXX, DeptedXXXX DeptedXXXXXXXX, DeptedXXXX DeptedXXXX, DeptedXXXX, DeptedXXXX DeptedXXXX  In accordance with Fair Credit Reporting act 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: Credit reporting, credit repair services, or other personal consumer reports

Experian credit bureau will mot remove a late payment for my XXXX credit card, i have tried on 4-5 different occasions to dispute this information with Experian and they refuse to correct this on my credit report. I am trying to purchase a home and i cant because Experian is reporting wrong information. XXXX  and XXXX  are reporting that i have a great payment history. I have also called XXXX as well and they have also sent them requests to remove from my report
Product: Mortgage

Quicken ( Rocket ) Mortgage sales rep pulled my credit report without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made more than 4 attempts to have my credit report fixed. On XX/XX/XXXX, the XXXX XXXX XXXX XXXX ( Creditor ) has notified me that they have NOT reported the information as indicated on the report provided to me on and before XX/XX/XXXX. 
I have disputed the account since XXXX of XXXX and provided ( XXXX, XXXX AND XXXX ) with the documentation provided to me by the creditor ( XXXX XXXX XXXX XXXX ). The agency knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. They have failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. They have communicated and are continuing to communicate incorrect and defamatory information to third parties. As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I was never late on my accounts espeially not 90 days. It wendt from30 to 90 days when in fact they are reporting payments being made in the months I allegedly was late.