23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company is reporting an account that is not mine. They have failed to proof that their is a legal binding or contractual obligation to pay this debt. Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from THIRD PARTIES. I do not recall giving permission to Alliance Collection, for them to release my medical information to a third party, I understand that HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore I demand that you cease and desist your illegal reporting of this account and have it deleted from my report as soon as possible. 

Here are the laws violated : 805. Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt -- ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX XXXX and before XXXX XXXX XXXX, local time at the consumer 's location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney 's name and address, unless theattorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer ; or ( 3 ) at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication.
Product: Mortgage

This is a continuation of prior complaints. Now they show me 60 days late, in default, and intent to foreclose. I have sent all the payments. I can not control what they do with them. It seems as though this is some kind of racketeering scam or criminal activity to extort extra money out of you by threatening to foreclose and harass. Receive phone calls constantly and usually letters every other day, and/or every Friday. Have an ulcer from this.What do you do when they don't process your payment. We have lost 2 sales on the house. Can't sell because can't get financed for a new one because they've wrecked my credit and won't fix it and neither will the credit bureaus. How are you allowing companies to do this. XXXX XXXX transferred to them XX/XX/2018 & I have been living with this. I understand that XXXX XXXX is guilty of this in 11 states. Is Specialized Loan Servicing affiliated with XXXX XXXX or an arm or co-conspirator to defraud. They only do this to customers paying on time, and then say you have not.PLEASE STOP THIS ; PLEASE FIX THIS. WE NOW HAVE A 3RD POTENTIAL BUYER. All have been at asking price. I almost throw up every time I get a letter from these despicable pieces of garbage. On top of all this, it wrecked our chance at a reverse mortgage to get away from them. THIS HAS TO STOP NOW! I will not tolerate this any longer, my health is in jeopardy. We are senior citizens and my husband is a veteran that's had 2 strokes. If either of us die from this harassment, I will make sure that the estate sues everybody, forever! There must be some recourse and you must have some authority to revoke their license and put them out of business. It's not just for us, but for the others that they've done this to that I see online. Attaching file with docs from them and updated Exhibit A & B with all my payments and usps receipt numbers. PLEASE, PLEASE, PLEASE DO SOMETHING THIS WEEK! I can't take anymore of this.
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 XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this 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 these accounts have violated my rights. 

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

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i.

I waited 30 days and I haven't received nothing. Here is my tracking number : XXXX. It has been over 30 days. 

And one more thing, they didn't even record the current status of the disputed information. 

XXXX, TransUnion, and XXXX are holding me back from getting a house. This is very frustrating because I am trying to buy a house for my family as an FHA program buyer but XXXX isnt doing its job according to the law.

I've included a substantial amount of evidence, that is simply undeniable!

Please help correct these mistakes and wrongdoing & be of assistance for me getting my life back together Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, In XXXX a false negative report was recorded in the XXXX  XXXX   system. This negative report was received by my XXXX  card and my Alliant card. My XXXX  card noted it in my monthly fico score but took no action and my alliant card sent me a letter notifying me of a reduction in my credit limit. I contacted trans union on XX/XX/XXXX and rep indicated that there was no record of any negative report on my credit. My complaint is against XXXX XXXX as the False negative report only could have came from them, as 2 separate credit cards noted a negative report and both get their information from XXXX. It is deeply concerning to me as there seems to be no record of where this false report came from. For an entity ( XXXX  ) responsible for such valuable information these sorts of mistakes need to be taken seriously and investigated through.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can't provide exact dates because I have been trying to get this matter settled with the Department of Education, XXXX XXXX ( XXXX XXXX XXXX  ), as well as XXXX XXXX ( chairman ) from XXXX XXXX XXXX Authority, for many years. As they refuse to verify and/or validate the debt properly and in accordance to federal law, therefore I am submitting this complaint. I have a problem with their legal characteristic by nature, as they have not given equitable relief. 

I am also a XXXX Veteran. I am submitting two separate XXXX XXXX ( documentation ) for proof and the account should be XXXX. This firm has been unlawfully and illegally trying to collect on monies already prepaid pursuant to HJR-192 of XX/XX/1933. Additionally pursuant to 31 U.S.C. 3123 the interest and public debt is the obligation of the United States. I must also report that it has been past 7 years and this firm is still continuing to report false information on the report. 

I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX v XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( which they keep reporting illegally ). As a result of these blatantly reckless, wanton and intentional acts, I have suffered and continue to suffer general and specific damages.
Product: Debt collection

On XX/XX/XXXX, I mailed XXXX a dispute letter for each of the negative accounts included on my credit report. The letter stated : This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you  are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. The accounts included in the letters were : XXXX XXXX XXXX XXXX, XXXX XXXX AWA COLLECTIONSXXXX AWA COLLECTIONS-XXXX XXXX XXXX XXXX XXXX They deleted the XXXX  XXXX XXXX and XXXX off my credit and sent an updated report. However, XXXX XXXX XXXX and XXXX, XXXX came back updated and said met FCRA requirements. They did not send me any documents in my file at all. I do not have any signed contracts with any of these companies. XXXX and XXXX has deleted all of these items off of my report already. XXXX, however, is breaking the law. Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It's unfortunate it has come to reporting these companies that are supposed to be reporting our credit fairly and supporting us. That said it has been well over XXXX months, just this month I spent {$80.00} in certified mail disputing. I have been providing clear and legal documents which I'll include. I have been getting the letters notarized by the state of Pennsylvania, making it a legal affidavit. I have been including more personal information they even need to identify me. All included in the files I attached, this is holding my life back and my family. I am so XXXX please help and hold these companies responsible for their complete lack of responsibility to uphold the law. I want this fraudulent information off my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have call Transunion and also sent in disputes in inquiries that do no belong to me I have also contacted the creditors who advise me to contact the TransUnion and I feel like nothing is being done about this I keep going back and forth with both, just recently I have received a copy of my credit report and notice these inquiries that I did not authorized and I would like them removed as they are hurting my credit score this was not done by me and I had no knowledge that this was done, so I have no choice but to put in a complaint the companies I am disputing are : 1.XXXX 2 XXXX 3 XXXX
Product: Student loan

This report is a follow-up to a systemic breakdown amid the United States Department of Education 's former loan servicer, " Great Lakes '' for direct student loan consolidation. 
[ My Previous Complaint # : XXXX, XXXX, XXXX, XX/XX/2022, XX/XX/2022 ] Formerly, I had a complaint concerning roughly XXXX points being deducted from my credit report by XXXX and XXXX due to a U.S. Department of Education loan consolidation on XX/XX/2022. Recently, I discovered via reliable media sources that the disconnect was caused by a coding error through Great Lakes, which reported 5 million borrowers as incorrectly having a loan deferment status in lieu of a current payment status.

Therefore, the borrowers credit scores were lowered and negatively impacted. 
Great Lakes has stated via the media that they are working with the credit reporting agencies to rectify these inaccuracies. However, I tried calling their number listed and was unable to initiate contact with the company. 

In closing, I am requesting that Great Lakes contact XXXX and XXXX on my behalf to rectify the situation at hand. The deduction of XXXX points from my credit file has never occurred during my fiscal lifetime. I trust a speedy resolution will be reached with all borrowers -- who were impacted by the Great Lakes ' coding error as well. 

Thank you, kindly, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I discovered that someone had stolen my identity and has been applying for credit and financing in my name. I did not authorize any of these applications or credit inquiries. 

The following credit inquiries were made without my permission : XXXX XXXX XXXX XXXX XXXX CIC Credit XXXX XXXX XXXX I was not aware of these activities until I reviewed my credit report and noticed these unauthorized inquiries. I have no knowledge of how my personal information was compromised or how it was used to apply for credit. 

Upon discovering this, I immediately took steps to report the fraudulent activity and protect my identity. I am actively working to resolve the situation and request that this incident be thoroughly investigated and that any fraudulent accounts or activities be addressed accordingly.
Product: Debt collection

I received a notice from LTD financial services to collect a debt of {$870.00} on XX/XX/XXXX from an apartment complex I haven't lived in since XX/XX/2022. There was never a notice I still owed money to this complex nor have they reached out in almost a year regarding any issues with moving out. I am trying to dispute this collection. Everything was up to date with rent upon move out and keys were returned.
Product: Payday loan, title loan, or personal loan

I have never been late, aside from postponing payments but theyve always been made. I recently contacted customer service and their COVID department and explained that I have XXXX XXXX was recently exposed to XXXX. They asked me to provide the last check stub Id receive while in quarantine because I wont be working for awhile. I told them on a Tuesday XXXX XX/XX/XXXX ) I would have that on Friday XXXX XX/XX/XXXX ). They advised me I would still be receiving calls that Im delinquent which was fine but when the representatives would call they would refuse to tell me where they were calling from. Again, annoying but fine. Today I call back and I am advised that even though Im reaching out for assistance and help to postpone my payments and protect my credit with the last {$500.00} Ill have for 2-4 weeks, the representative told me I will still be required to submit a payment, as well as, if not, Ill still be reported as delinquent. 
So here I am trying to keep my credit decent, feed my family, and survive the quarantine on {$500.00} with 3 children, and Mobiloans is just concerned about getting more money from me. Theyve collected so much in fees from me since I became a customer XXXX poor choice on my part XXXX that my car could probably be half way paid off ; a total amount of fees charged in 2020 is {$2300.00}. If it were me just taking a month vacation for fun, that would be different. I didnt choose XXXX quarantine. No one did. Mobiloans feeds on the innocence of struggling individuals with no remorse.
Product: Mortgage

Ditech XXXX is in violation of 15 U.S.C. 1692e, a section of the Fair Debt Collection Practices Act ( FDCPA ) that prohibits debt collectors from using any false, deceptive, or misleading representation or means in connection with the collection of any debt. Ditech has provided me a 3 page ARM note that they have claimed is the legal document allowing them to collect the payments for my mortgage. i have notified Ditech multiple times regarding issues with the XXXX page ARM note. The first issue is the endorsement that is on page 3 of one copy provided by Ditech the other copy they provided of the same document lacks the endorsement. The second issue is that there is distinct tick marks in three places on one copy of the document and void on the other copy of the document. In these two varying documents that are supposed to be the same and original to show a legal interest in my mortgage and the ability to collect payments it brings clout to which copy is original. The third issue is with my signature as it lacks certain traits that can be easily seen in other signatures made by me at that time on various other pages of my mortgage documents. It is my conclusion that XXXX has ignored my attempts to bring this issue to their attention and instead has disregarded them. They have fraudulently made changes to this document in an attempt to show they have a legal right to collect on my mortgage. There has been no explanation provide to why the same document has been provide by them to me with altercations made from one copy to the next. Ditech XXXX XXXX. Being the current servicer of the mortgage loan has failed to meet the requirements of licensing in the state of Hawaii or provide after multiple request such documentation showing that it has meet and followed all state law. They have violated both 454M-2 license required and 454M-6 requiring a license to perform loan modifications. 454M-2 License required. ( a ) No person except those exempted under this chapter shall engage in the business of mortgage servicing without a license as provided in this chapter. ( b ) No person shall engage in the business of mortgage servicing in this State unless the person providing services has a physical presence in the State pursuant to section 454M-5 ( a ) ( 5 ).

( c ) No person licensed as a mortgage servicer shall provide mortgage loan modifications or any other services that would require licensing pursuant to chapter 454F
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I received a copy of my updated report after an investigation by Equifax. The report confirmation number # XXXX stated that the inquiry : XX/XX/XXXX. XXXX was deleted from my credit file. To this date of XX/XX/XXXX the inquiry still remains on my credit file. This was after I provided all the requested documents to Equifax
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have not gone into any contractual agreement with Helvey & Associates Inc. This is the 2nd aggressive manner in which this debt has been violating me. 1st CFPB complaint, # XXXX dated XX/XX/XXXXXXXX  for the same alleged debt. 
I am now demanding this all in writing within the next 5 business days. 

The following attached Cease and Desist needs to be adhered to immediately! 

CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX HELVEY & ASSOCIATES INC . 
XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX RE : FRAUD/AGGRAVATED IDENTITY THEFT ACCT # XXXX ( XXXX XXXX XXXX ) HELVEY & ASSOCIATES INC. is in violation of 18 U.S.C. 894 for using my consumer report with extortionate means to coerce and swindle me into making payment on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( HELVEY & ASSOCIATES INC. ) furnishing this information to my consumer report and or file. I did not give you permission or authorization to have my personal identifying information, which you ( HELVEY & ASSOCIATES INC. ) have obtained by aggravated identity theft in accordance with 18 U.S.C. 1028A. 

I am aware that my Social Security number belongs to the Social Security Administration, and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C. 8 and being that you ( HELVEY & ASSOCIATES INC. ) are attempting to collect a debt from I, the consumer. This makes you ( HELVEY & ASSOCIATES INC. ) guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C. 3729-3733. 

This is a notice to immediately CEASE AND DESIST of all illegal activities, including reporting with constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by you ( HELVEY & ASSOCIATES INC. ) into the Federal Trade Commission for aggravated identity fraud and theft. 

Failure to XXXX out the balance and remove account within 15 days from my consumer report as requested, will result in legal matters being taken and I will report HELVEY & ASSOCIATES INC. to the Federal Trade Commission for aggravated fraud and identity theft. 

If this matter is not resolved and adhered to by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you ( HELVEY & ASSOCIATES INC. ) and this letter will be tendered as evidence of failure to comply. 


Best Regards, XXXX XXXX XXXX XXXX XXXX Without Prejudice All Natural Rights Reserved Remove any and all collections and balance this alleged debt to XXXX.