23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Subject : Complaint against Newrez Mortgage Company for Poor Communication and Lack of Assistance by Team Member XXXX XXXX To Whom It May Concern, I am writing to file a complaint against Newrez Mortgage Company for their poor communication and lack of assistance in a timely manner, specifically by team member XXXX XXXX. I have been trying to work with the company to resolve an issue with my mortgage and have consistently been met with unresponsiveness, lack of interest, and poor communication by XXXX XXXX XXXX. 

I have attempted to reach out to the company through phone calls, emails, and letters, but have received little to no response. When I do receive a response, it is often delayed and inadequate. I have also made multiple attempts to reach out to XXXX XXXX XXXX specifically, but have been met with the same lack of interest and poor communication. 

As a result of this poor communication and lack of assistance, I have been unable to resolve my issue with my mortgage and am left feeling frustrated and disheartened. I strongly urge the Consumer Financial Protection Bureau to take appropriate action to address this issue and ensure that Newrez Mortgage Company improves its communication and assistance to its customers. 

Thank you for your time and attention to this matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

The following company did not had permission or authorization to request a copy of my credit report. XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year>. I demand the deletion of this inquiry from my report, it is unauthorized, unproven, none complaint and unverified inquires as required by law if unproved with an actual purpose that was not concluded by me. I will like a new copy of my credit report reflecting the deletion. Thank you for your time and attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report the other day because i'm trying to get me a XXXX XXXX and I notice a couple of items on my credit report that are not mine. I need these items deleted from my credrt report because they are not mine. XXXX, XXXX XXXX, XXXX XXXX. I reached out to the FTC and my local police. Im doing this on my own behalf. There are also inquires on my report that are not mine as well. XXXX, XXXX XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Debt collection

A law office in NJ for a 3rd party collection agency sent me a court summons for a debt I was unaware of due to my personal information being compromised and stolen. The original creditor was apparently XXXXXXXX XXXX There are others I am trying to dispute such as XXXX XXXXXXXX XXXX and Synchrony. No one has sent me a 1099 form at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against XXXX located in XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a car loan, and was denied due to a credit information and score provided by XXXX XXXX XXXX. This company is reporting scores on average of 100+ points below the 3 major credit reporting agencies which is resulting in my being denied for credit when my scores are medium with a good pay history on a auto loan for 2 years. First, I have never heard of this compsny and the documentation asked to provide my free credit report is basically giving them all of my personal and pertinent data. Listed below is the documentation that is asked for in order to receive my credit score : legible copy of your current drivers license or other current government-issued identification card showing your current address and date of birth. 

If your drivers license or other government-issued identification card is not current or if it does not show your current mailing address, then a legible copy of a document from Category 2 listed below is also required. 
If you do not have a drivers license or other government-issued identification card, then a legible copy of a document from Category 1 and Category 2 listed below are required. 
Category 1 Social Security card U.S. passport picture page Alien registration card Military identification card ( front and back ) Category 2 Recent cable, utility or telephone statement with your name and current  mailing address Bank statement with current address Rental lease agreement showing current address Voided personal check with your preprinted current address Notarized letter from your landlord confirming your current name and residential address Mortgage statement with the current address The address on the ID or other document must match the address provided in your request. 

I would like to know is this company approved by the CFPB as a legitimate reportjng agency? Is there a way to block this company from providing data to lenders? 

Thank you
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Late Payment Reporting on my Account Dear Sir or Madam, I am writing to formally dispute the inclusion of late payments on my credit report Pursuant to the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX XXXX XXXX XXXX, I request an immediate correction and removal of any such inaccurate or unfairly reported late payments. 
Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a " consumer report '' excludes any report containing information solely related to transactions or experiences between the consumer and the entity making the report. As such, late payments that do not impact creditworthiness beyond the direct relationship between American Express and myself should not be reported to consumer reporting agencies as adverse credit events. 
Furthermore, under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, furnishers of credit information must not report information that they know or have reasonable cause to believe is inaccurate. If the reported late payments resulted from extenuating circumstances, billing errors, or delays beyond my control, their inclusion on my credit report would constitute a violation of this provision. 
Additionally, the FCRA grants consumers the right to dispute the completeness and accuracy of any item in their file. Per XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX upon receiving a dispute, a credit information furnisher must conduct a reasonable investigation and delete or correct any information found to be inaccurate or unverifiable. 
Given these legal protections, I formally request that this company review this matter and remove any late payment not in compliance with the above provisions. Please provide written confirmation of the actions taken within 30 days, as required under FCRA. 
Should you require any further documentation or clarification, please let me know at your earliest convenience. I appreciate your prompt attention to this matter. I have attached a copy of the law, which says that the alleged late payment ( s ) should not be reported on my credit report. I ask you kindly to abide by the law and update my account to be paid as agreed. Failure to do so will result in me taking legal action against your company. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to address the reported late payments on my XXXX account. Due to a payment processing error, my XXXX of XXXX payment was not auto-drafted as scheduled. Unaware of this issue, I continued making my payments on time each month ( even sometimes early as evidenced in the report ). However, the loan department misapplied each payment to the previous month, causing my account to appear delinquent. I was only made aware of this error upon reviewing my credit report and contacting the lender for clarification. You will even notice discrepancies in the reporting on my credit profile as some months were not reported at all. I contacted XXXX and they acknowledged the error but were unwilling to correct the report. I have always made my payments on time as agreed. Finally the last payment in XXXX of XXXX was not even my responsibility. I traded this vehicle in for a XXXX through XXXX XXXX in XXXX of XXXX. The dealership requested information for the payoff from XXXX  several times but the issue was not resolved in a timely manner and this reflected on my credit report even though I had sold/traded in this vehicle at this time.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Subject : Formal Notice of FDCPA Violations & Intent to File Legal Action** Dear PORTFOLIO RECOV ASSOC I am writing to formally notify you of multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) in connection with the collection of the alleged debt referenced in your communications. 

Specifically, I am citing the following violations under the United States Code : 1. **15 U.S.C. 1692k ( a ) ( 2 ) ( A ) ** - This section outlines the damages that can be recovered for violations of the FDCPA, including actual damages and additional damages not exceeding {$1000.00}.

2. **15 U.S.C. 1692k ( a ) ( 3 ) ** - This section provides for the recovery of reasonable attorney fees and costs incurred in the action.

3. **15 U.S.C. 1692d** - This section prohibits debt collectors from engaging in conduct that is abusive, harassing, or oppressive. 

4. **15 U.S.C. 1692e** - This section prohibits false or misleading representations in connection with the collection of a debt. 

I believe that your actions constitute violations of these provisions, which include but are not limited to harassment via phones, letters threatening to sue, and fraudulent charges thats been proven valid. Reporting to credit bureau of false validation. 

Please consider this letter as my formal intent to file legal action against you if these violations are not addressed promptly. I request that you cease all collection activities related to this matter and provide a written response within [ insert a reasonable timeframe, e.g., 30 days ] acknowledging this notice and outlining how you intend to rectify the situation. 

Failure to respond appropriately will leave me with no choice but to pursue legal remedies available to me under the FDCPA. 

Thank you for your attention to this matter. 

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

Dear CFPB, I am writing to file a formal complaint against Consumer Information Company ( CIC ) regarding an inaccurate eviction record associated with my name. The details of the case are as follows : Case Filing Date : XXXX Case Number : XXXX Plaintiff Details : Plaintiff 's Name : XXXX XXXX Plaintiff Attorney : XXXX XXXX XXXX : I am the sole owner of my property, which I have owned since XXXX. I have never been involved in any eviction proceedings or faced eviction at any point. 

Unfortunately, due to the distressing circumstances of being XXXX and subjected to a XXXX  XXXX incident, my personal information was compromised and unlawfully sold. 

As a result, I was enrolled in the XXXX XXXX XXXX program, a federal program designed to safeguard individuals in situations such as mine. Through the program, I was provided with documentation to obtain a new driver 's license, ID number, and other essential documents to protect me from further fraudulent activities. Additionally, the XXXX XXXX XXXX program, acting through power of attorney, successfully removed all fraudulent information from the credit bureaus. 

Complaint Details : Despite my efforts to rectify the situation and the removal of fraudulent information from the credit bureaus, an inaccurate eviction record remains associated with my name within CIC 's records. 

I firmly assert that this false eviction record is a direct consequence of the identity theft I endured and is in no way a reflection of my rental history or creditworthiness. The inclusion of this inaccurate information has caused significant harm to my personal and professional reputation, resulting in distress and potential financial repercussions. 

Legal Defenses and Applicable Laws : Fair Credit Reporting Act ( FCRA ) : Under the FCRA, consumer reporting agencies have a legal obligation to ensure the maximum possible accuracy of information included in consumer reports. CIC 's inclusion of a false eviction record violates the FCRA, as it misrepresents my creditworthiness and rental history. 

Georgia Fair Business Practices Act : This state law prohibits unfair and deceptive acts or practices in trade or commerce. The presence of a false eviction record on my background report constitutes deceptive practices that harm my reputation and personal standing. 

Demand for Resolution : I demand that CIC takes immediate action to permanently remove and block the false eviction record associated with my name from their records. Failure to comply within seven ( 7 ) days of receiving this complaint will leave me no choice but to pursue legal recourse. I am prepared to escalate this matter to a federal case and present all relevant documentation and evidence before a jury, showcasing my rightful ownership of the property and the absence of any eviction proceedings against me.
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history with XXXX 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 my 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 REPORTING 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 21 days before the payment due date.

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

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 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
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Equifax : [ XXXX XXXX ] [ XXXX ] [ XXXX XXXX ] [ XXXX ] [ XXXX XXXX XXXX [ XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion to get my annual free credit report and Transunion said they stopped doing free annual reports, after that Transunion asked me for {$19.00} to see my credit report and score.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, like most student loan borrowers, were under the government forbearance ( still in place till XXXX ) so did not do anything to stop my payments from being active again. I found out just this month that my loans were not under the mandated forbearance and my loans are now in default over 90 days. Apparently my federal loan had been sold/purchased by XXXX and they did not tell me that my loan did not qualify - I still have not gotten a straight answer from them as to why my loan does not qualify. I did, in early XXXX, file a forbearance on my own on top of the mandated forbearance just to be covered once it ended, but XXXX does not show that my request was ever processed. When I discovered my credit reports show 90 days late, I immediately called XXXX to have them undo it, they refused and said I should just dispute it with the credit bureaus. The total amount of the loan with XXXX is {$7300.00}, credit report shows that I am 60 days late in XXXX and 90 days late as of XXXX of XXXX  ( current for some reason in XXXX ). Again, XXXX did not ever tell me that my federal student loan did not qualify for the government mandated forbearance and they did not process my submitted document to request my own forbearance!
Product: Debt collection

The account has been reported in XX/XX/2017. I have not since received anything in writing documenting the debt. I have asked the creditor to confirm the last billed amount. They have not. I have asked the collection agency to do the same. No response in writing has been provided. I can not imaging owing this debt since I currently have active service with the provider. It was mentioned at the time I applied.
Product: Student loan

I am writing for assistance with a private student loan vendor, Citizens Bank. I have two private student loans totaling $ XXXX with high interest rates around 11 %. This results in monthly payments of about $ XXXX that represents over 27 % of my take home pay -- and that is just interest - none of these payments are actually touching principal. 

I reached out to the servicer, XXXX XXXX who offered a 2 month deferral of payments but that the interest continues to accrue. They report the only option is a refinance. But I have exhausted all options for a Refinance. 

Citizen 's Bank tells me I don't qualify to refinance through them, this is probably due to an old bankruptcy from about 2 and a half years ago. I don't have a co-signer available to me either. 

I have called all different parts of Citizen 's bank and they have told me they will not modify the loan terms in any way. I'm told the only time that starts being discussed is once I fall into default. 

I'm trying to be proactive and reach a good solution on these loans without falling into default, but I won't be able to do this for long.
Product: Credit reporting or other personal consumer reports

Im trying to log in to the TransUnion website to put a freeze on my credit account. After struggling to create an account and dealing with many errors in their system, the login now doesnt recognize my password. When I click on the forgot my password option and enter my information, their system says that my SSN and last name do not match. Neither have ever changed throughout my life, and I can see I have entered them correctly. There are no alternative ways to recover or reset a password or get into the account. 

After looking for a way to contact the company, I found a bunch of comments on various sites that track whether websites are experiencing an outage or issues, dating back years, with users describing the same issues I am having. People have even called to get this issue fixed and the operators can provide no help with the site. TransUnion needs to get their site fixed. Particularly with the recent SSN hacks.