23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Land Home FS is making the understatement that I dont have Hazard Insurance to justify XXXX reasons to the filing of a Frivolous Foreclosure on XX/XX/XXXX. They said : your failure to either ( a ) independently acquire and maintain residential property insurance, or ( b ) make monthly payments necessary to satisfy the cost of lender-placed insurance added to your account upon your failure to demonstrate evidence of property insurance acquired by you There are not pending insurance issues in this case : o XXXX XXXX XXXX cancelled its lender placed insurance claim on XX/XX/XXXX effective XX/XX/XXXX and it was prior to the filing of the wrong foreclosure on XX/XX/XXXX. ( Exhibit 1 ) o Also XXXX XXXX made a refund of charge for wrong placed hazard insurance fees ( Exhibit 2 ) Land Home FS sent me a letter on XXXX this year ( Exhibit 3 ) saying my hazard insurance had expired therefore they know I have that coverage from my XXXX XXXX XXXX XXXX ; Proof of insurance of XXXX was sent to Land Home through Legal Aid Society. ( Exhibit 4 ) Please find here enclosed proof of insurance on my property from XXXX to XXXX ( Exhibit 5 ) Land Home FS continues in an unlawful request of payments ; in their mentioned answer they said : we have not received the payment ( s ) due beginning with XX/XX/XXXX on your mortgage loan. Please send the amount shown below which includes any additional fees and charges dueTotal amount due {$15000.00} But payments have been timely made according to the Permanent Modification Agreement from XXXX this year, and all payments have been returned ( Exhibit 6 ) Because there are not pending insurance issues and Land Home FS said the Permanent Modification Agreement is not in dispute they must accept the check I sent to them on XX/XX/XXXX for {$4200.00} that includes all pending payments. 

If they dont agree with the allegations of this complaint they must explain it clear and simple without making reference to any previous letter and send proof of any statement that can differ from those exposed in this letter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am reaching out to you in a state of utter desperation. The inaccuracies on my credit report have shattered my dreams, torn apart my sense of security, and left me in a constant state of anxiety. My life is unraveling before my eyes, and I dont know where else to turn. 

I recently filed complaints ( Complaint IDs : XXXX, XXXX, XXXX ) concerning several accounts that are inaccurately reported on my credit file. Despite my best efforts, XXXX, XXXX, and XXXX XXXXXXXX XXXX have told me they can not even find my accounts, leaving me helpless in providing details that I dont have. How can I defend myself against something they claim doesnt exist? 

Because of these errors, my life is falling apart. The car I need to go to work and the home Ive dreamt of owning are both slipping through my fingers. I am mentally and emotionally broken. The weight of this situation is unbearable, and I fear that it could destroy everything Ive worked so hard to build. 

The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX These accounts are wrongly holding me hostage, violating my federally protected rights to privacy and confidentiality under 15 USC 1681. I reviewed my XXXX credit report on XXXX XXXX XXXX, and was devastated to find glaring inaccuracies that are completely beyond my control. 

Under the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 ( e ) ( b ), consumer reporting agencies are legally required to follow reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. Additionally, under 15 USC 1681i ( a ) ( 5 ), if disputed information is found to be inaccurate or unverifiable, it must be promptly deleted or corrected. And yet, despite these clear legal protections, I remain trapped in this nightmare. 

Furthermore, under 15 USC 1681s-2, furnishers are prohibited from providing information they know or have reasonable cause to believe is inaccurate. And yet, my life is being destroyed by false information that continues to haunt me. 

My Previous Complaint Details : Complaint ID : XXXX ( TransUnion ) XXXX ID : XXXX ( XXXX ) Complaint ID : XXXX ( XXXX ) These complaints remain unresolved, and the inaccuracies persist, wreaking havoc on my life. I am begging youplease, remove this inaccurate information from my credit report. I feel like Im drowning in a sea of injustice, with no way out. This is not just a matter of numbers on a report ; this is my life, my future, and my sanity at stake. I can not bear this burden any longer. 

Please help me fix this before its too late. 

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

Please be advised this is my second written request. I was taken advantage of due to malpractice while several laws were being broken under FCRA by your company. This has caused me financial injury, defamation of character, unable to get a job with a newborn baby arriving soon, and the inability to apply for credit under my consent and authorization. This has hurt my ability to obtain credit. My family and I are suffering due to this. You are in direct violation of the FCRA if these unauthorized inconsistencies are not removed. This leaves me exposed to being a victim of fraud again. Your company is breaking the law!
Product: Debt collection

I recently submitted a complaint in which the company has responded too by providing verification of the debt when I specifically asked for validation. I am giving this debt collection company one more chance to make this right. I receive multiple phone calls from this third party company multiple times throughout the day which is a violation of 15 U.S. Code 1692d. I asked this company to validate the debt multiple times via phone. As a third party company they are not able to produce any contractual legal obligation and/or evidence proving that I owe that company anything. They also offered a discounted amount which is a violation of 15 U.S code 1692d ( 4 )
Product: Credit reporting or other personal consumer reports

Account name CAP ONE NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAP ONE AUTO FIN 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAP ONE AUTO FIN 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAP ONE NA XXXX XXXX XXXX XXXXXX/XX/XXXX ( i am a victim of id theft these are not my accounts nor did i give these companies authorization to run credit
Product: Credit reporting or other personal consumer reports

I'm filing this complaint because of a data breach at Equifax that exposed my personal information, including my social security number and financial details. Despite contacting them, I've received little support or guidance on how to protect myself. I've attached relevant documents to support my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting some recent lates I should not have on my accounts. I switched over and wasn't able to make any payments at this time. I tried to call several times but my calls were never answered. The accounts are # XXXX and # XXXX and I would like some of the more recent lates removed. These should not be on my account as I was switched over.
Product: Credit reporting, credit repair services, or other personal consumer reports

RECEIVABLE MANAGEMENT SYSTEMS IS reporting a collection as an OPEN ACCOUNT which is not under the FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.
Product: Payday loan, title loan, or personal loan

I was unable to make payments to todays cash do to being a XXXXXXXX and not getting paid over summer. Todays cash sent a notice to my employer demanding that I pay the remaining amount. I didn't have funds to send.
Product: Credit card

I made a purchase on XXXX on XXXX/XXXX/16 using PayPal Credit. Paypal Credit ( formerly known as Bill Me Later ) has an ongoing feature that if you spend over {$99.00} on an single purchase, you can take advantage of their no interest no payment feature for 6 months. I have used this promo on this website and others at least 10 times in the past year. For whatever reason that Paypal can not answer, this was not applied to this purchase. I followed up with the merchant ( Eastbay.com ) and they confirmed that the order went through the proper channels and they were supplied with a Bill Me Later confirmation ID ( XXXX ) -- which is completely different from the ID supplied if it was a regular Paypal purchase or another form of payment. I made this purchase because of the ability to pay at my convenience within 6 months. Paypal insists that I did n't log in and choose Paypal credit, even though the only way to use Paypal Credit is to log in through Paypal. There is also the fact that my credit limit in Paypal Credit was deducted the amount of the purchase. They state that some websites have the ability to natively choose paypal credit without signing in. I told Paypal that does n't concern this situation because Eastbay.com does not have that ability. XXXX personnel confirmed this statement as well. What is most infuriating about this entire process with PayPal Credit customer support, no agent is able or willing to go to the merchants website and test what I and the customer service rep from the merchant is saying. I have screenshots of each step it takes to use Paypal Credit on the Merchants website, but paypal wants me to print out each picture and FAX it to them. They have no email function to receive or send. The entire process with Paypal and Paypal Credit shows a complete lack of customer service that is glaring when compared to the other established credit card companies like XXXX, XXXX, and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Creditor Failed to Respond to Credit Dispute Within 30 Days Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Transunion / XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Account Information : XXXX for failing to respond to my credit dispute within the legally mandated XXXX timeframe, as required by federal law. Despite submitting my dispute on XX/XX/XXXX and responded on XX/XX/XXXX, XXXX XXXX and Transunion has failed to provide verification of the disputed account as outlined under the Fair Credit Reporting Act ( FCRA ). 

According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to investigate disputes and communicate with the information provider within 30 days of receiving a dispute. Additionally, 15 U.S.C. 1681s-2 ( b ) mandates that creditors and furnishers of information must conduct a proper investigation and report the results to the credit reporting agency within the same timeframe. This failure to comply not only violates these statutory obligations but also jeopardizes my rights as a consumer to fair and accurate credit reporting. 

Given the creditors non-compliance with federal law, the account in question must be promptly removed from my credit report. Failure to do so constitutes willful negligence, which exposes the creditor and any associated credit reporting agencies to potential legal action. Under 15 U.S.C. 1681n, I am entitled to statutory damages, punitive damages, attorney 's fees, and court costs if the violations are found to be willful.

I demand the immediate removal of this account from my credit report and written confirmation that this matter has been resolved within 10 business days of your receipt of this letter. Should this issue remain unresolved, I am fully prepared to escalate the matter by pursuing legal action and filing complaints with the Federal Trade Commission ( FTC ) and the Attorney Generals office. 

I trust that the CFPB will address this issue promptly and enforce the legal obligations owed to me as a consumer. Please confirm receipt of this letter and provide a resolution to my complaint at the earliest possible opportunity. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

THIS HAS BEEN AN ONGOING ISSUE FOR INREGARDS TO A FRAUDULENT ACCOUNT BEING FURNISHED TO MY PROFILE. I'VE CONTACTED THE CREDIT REPORTING AGENCIES IN REGARDS TO A XXXX ACCOUNT THAT I HAVE NO AFFILIATION AND NO KNOWLEDGE OF STILL SHOWING ON MY CREDIT REPORT, IN TWO RECENT CORRESPONDENCES I REQUESTED THE ACCOUNT BE VERIFIED AND THE ACCOUNT IS UNVERIFIED. 

THIS ACCOUNT NEEDS TO BE REMOVED. FURNISHING AN ACCOUNT IN DIRECT RESULT OF IDENTITY FRAUD IS IN VIOLATION OF 15 USC 1681 C-2
Product: Credit reporting, credit repair services, or other personal consumer reports

1. ) Account Status : XXXX is reporting this account as " CLOSED ''. And XXXX is reporting this account as " PAID ''.

2. ) Payment Status : XXXX is providing the credit bureau as " CURRENT ''. While XXXX is reporting the account as 120 days late.

3. ) Date of Late Activity : The Date of Late Activity is over 6 years old, which is a violation according to the FCRA. This Date of Last Activity should be current and up to date. A lot of information has changed within those 6 years.

4. ) Late Payments : There are multiple missed payments, that were made on my behalf. So there shouldn't be ANY missed/late payments on my PAYMENT HISTORY. 
I have taken liberty of attaching a copy of this account. This Creditor has provided XXXX and XXXX with INACCURATE and INCOMPLETE INFORMATION TO THESE CREDIT BUREAUS. 
THE PAYMENT HISTORY THAT XXXX  AND XXXX HAS REPORTED DOESN'T MAKE ANY SENSE WHAT SO EVER. ONCE YOU SEE THESE ATTACHMENTS YOU WILL FULLY AGREE, AS TO WHY THIS ACCOUNT SHOULD BE DELETED IMMEDIATELY.
Product: Debt collection

Fraudulent applications may be submitted in my name or my identity may have been used without my consent to fraudulenty obtain goods or service. On XX/XX/2020 Someone illegally obtained my information and opened a XXXX account and has a past due balance of {$4100.00}. My account was sent to collections and has destroyed my credit. The collection Agency is AMSHER COLLECTION SERICES. I have contacted AMSHER and informed them this was not done by me and no consent by me was ever done. Please help me and remove this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian, XXXX and XXXX  credit bureau in regards to a repossession account with XXXX XXXX. I cited 9-506. - EFFECT OF ERRORS OR OMISSIONS. 
9-611. - NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-612. - TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. - CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

Due to the fact that I was never notified of the vehicle being sold and a few other errors on this account. I was not provided with any copies of legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. 

It was just simply placed on my reports as " Subscriber reports dispute resolved - consumer disagrees '' and " Completed investigation of FCRA dispute - consumer disagrees ''. 

I have not been provided any of the things to prove this debt is mine. Therefore they are in violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # 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.
Product: Student loan

I had a student loan with Great Lakes and when I called to let them know about my financial situation and that I was working for a State Agency, they recommended over and over to apply for forbearance and deferment. When I asked them about applying for the Public Service Loan Forgiveness program they advised I didn't qualify for that ( even though I worked for a state agency that does qualify ) and that it would be best to do the forbearance or deferment options. I mentioned I wanted to pay my loans but I just needed to reduce the monthly cost not defer them. They stated I wouldn't qualify for an Income-Driven Plan at that point and to defer the plan. So I went ahead and deferred the plan and then went into forbearance when directed. Finally, I spoke with someone else at Great Lakes ( after doing forbearance and deferment ) and they stated that I would have qualified for Public Service Loan Forgiveness and also for Income-Driven and they set it up, but then it was already a few years too late as all that time in forbearance and deferment should have been on the income-driven plan and public service loan forgiveness plans. This caused a lot of financial hard-ship now as now I have to try to get all those months to count that should have already been counted as I was willing to pay just needed the reduced amount due to my income.
Product: Student loan

My account with us department of education was forgiven but by forgiving my student loans and removing them from my credit report is had made a huge impact in my credit report by lowering it tremendously it is unfair and unbiased.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion had two separate computer glitches that caused inquiries to be removed from report in  XXXX  and in  XXXX .
They put the inquiries back on my report after were deleted and did n't notify me either five days of this procedure. I would like these inquiries from  XXXX  on  XX/XX/XXXX   XXXX  from  XX/XX/XXXX  And  XXXX  from XX/XX/XXXX  removed ASAP.
Product: Debt collection

On XX/XX/2019 I sent a dispute letter to the collection agency known as National Credit Systems disputing the alleged account and requesting for account level documentation about the debt to be sent to me via mail. I also sent my dispute via certified mailing. I did not hear or receive anything from the agency until XX/XX/2019. In which they sent a settlement offer but never fulfilled my request for verification of such debt. I then proceeded to send another dispute via certified mailing on XX/XX/2019 stating that the agency did not send me any verification of debt to continued to attempt to collect on the debt via phone and mail. They then sent me an old rental agreement but never stating the break down of the bill on XXXX XXXX. I then even contacted National Credit Systems via phone call in XXXX for them to continue to give me the run around and continuously attempt to collect on the alleged account. 

This has been a struggle for going on a year and they agency has failed to allow me to exercise my rights as a consumer. They have violated the FDCPA ( Fair Debt Collections Practices Act ) and the FCRA ( Fair Credit Reporting Act ). 

I am requesting that this agency National Credit Systems to immediately remove this account from my consumer credit reports as well as stop attempting to collect on this alleged debt due to these unlined violations. I have consulted with an attorney and they requested that I take this route to get this issue addressed but if not addressed and resolved I will be seeking legal actions. So I am demanding that this agency does what's right and we can end this soon. Thank you so much for your understanding and willingness to resolve this unforeseen matter!
Product: Payday loan, title loan, or personal loan

I was notified by credit monitoring that Local Finance company of Georgia has made ( 2 ) hard pulls ( inquiries ) on my credit report without my permission in the past 30 days. From my understanding, this is unlawful and I will like for this to be brought to your attention because I did not consent to this action.
Product: Credit reporting or other personal consumer reports

Once XXXX began I was unable to make the payments on the loan and I made multiple attempts to contact XXXX XXXX but they never allowed me to speak with an employee who was authorized to assist with refinancing or selling my share of the time share back to them. I repeatedly plead with the voicemail to have someone contact me. 

I was unable to get the issue resolved and had to change bank accounts to get them to stop taking the funds that I had to have during covid to support my family. 

I believe that this loan should have not been foreclosed on and the fact that it was improperly done should not be allowed to be reflected on my credit report