23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a form letter with a date stamp of XX/XX/2021 from a law firm/debt collector I do not know and had never been contacted by. The letter is not signed. I received the letter on Friday afternoon, XX/XX/2021, of the holiday weekend. I only had to time to type a letter and send registered mail to the law firm. I do not recognize the credit card company. The letter is threatening and harassing, further more the law firm caused duress by sending the letter the afternoon of a holiday weekend, when no one could be contacted. 
If indeed the letter is correct, and the amount is owed, I made an offer to the law firm of {$10.00} per month as I am on widow 's benefits. 
I am enclosing the form letter from the law firm FarMar Law Group , PC, the envelope with the postal stamp of XX/XX/2021, and my registered letter to the law firm. 
I also sent a fax copy of the letter to the law firm as well. 
I was not afforded 30 days to respond to the threats of a lawsuit. I have never been contacted by FarMar Law Group , PC, XXXX XXXX XXXX and XXXX XXXX.
Product: Debt collection

Merchants cb XXXX claims i owe XXXX have disputed many times this debt. I have requested documentation of original debt have never recieved proof of this original debt exept the bill i owe them which doesnt prove this debt is mine
Product: Credit reporting or other personal consumer reports

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 anteater the report by more then 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 or other personal consumer reports

I have been trying to remove the lates on these accounts as I've said that there has never been late on these payments with the accounts and the balances are reporting differently on bureaus they're not investigating it very well. They can not give me a fully accurate reporting might as well just remove the accounts. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00}
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax continue to report that I owe a debt that I do not. This alleged debt has been paid since day XXXX by the note that is being used. The credit bureaus knows this but are paid by XXXX XXXX to furnish this information. The credit bureaus also sells my information to other businesses this puts me at risk of identity theft and other cyber attacks. Furthermore the credit bureaus are not allowed to furnish anything I have note validated or verified as accurate as this is my consumer report that they are furnishing.
Product: Debt collection

Todays date : XX/XX/XXXX AR RESOURCES INC XXXX AR RESOURCES INC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, 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 ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious AR RESOURCES INC XXXX AR RESOURCES INC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is late payments and fees on my credit report. I had a child support case with the State of Arizona and as of XX/XX/XXXX my child support was completed and State of Arizona sent that information to XXXX. The problem that I am having is, XXXX still have payments late for year XX/XX/XXXX and XX/XX/XXXX, which is impossible if I paid off my child support before time. I requested an audit with the State of Arizona through my congressman, because I knew I wasn't in the rear. The audit was completed and my child support withhold order stop, before my son made XXXX years old. State of Arizona says it's XXXX  responsibility to correct the problem and XXXX   says the State of Arizona should correct it. I really don't know who is at blame, but these late fees and payments should be removed off my credit report. I have children in 3 other states and after my obligations was completed, the agency removed any negative report on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. Accounts : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$220.00} ; XXXX  XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}.
Product: Debt collection

kohls info reporting on credit report is wrong rating line XX/XX/XXXX was ok, XX/XX/XXXX im 30 days late. date closed XX/XX/XXXX & XX/XX/XXXX. charge off dates XX/XX/XXXX & XX/XX/XXXX. how can be 2 different charge off dates. last payments shows XX/XX/XXXX & XX/XX/XXXX while credit report doesnt show any payments made on their trade lines. no notes saying placed for collections
Product: Mortgage

Back in XXXX I had an offer on my house to sell it. I am in a Chapter XXXX bankruptcy. I requested a payoff amount from Ditech Financial and they provided me one that was incorrect. I sent notification of my concern to Ditech. I used the payoff amount anyway and wanted to settle up after the close rather than delay. The closing was postponed until XX/XX/XXXX. I requested another payoff and the Ditech then sent a letter to the court saying wanted a hearing to make sure that I was selling the house for more than the mortgage which was a delay tactic since they had the signed offer and they knew what my mortgage was. They requested the hearing and it was set 2 days after my closing date! The buyers backed out and I was left with lots of expenses. I got a letter shortly after that from Ditech saying that they were in error on the first payoff and I was correct with my numbers. 
I have another offer on my house and I requested the payoff 30 days ago and have received nothing. I called this past week and they said they could not send me the payoff it had to go to my lawyer? This is after they had already sent me directly payoff information. I am being ruined financially and my wife is on the verge of a nervous breakdown. it is obvious that they are doing this with purpose and malice. What can I do. I am also giving all of the money I get from the closing to discharge the bankruptcy. So this is action by Ditech is preventing me from doing that as well. This is predatory. What can I do? I just want out and get on with my life. Please warn people about Ditech
Product: Credit card or prepaid card

Synchrony Bank XXXX is the credit card, that someone is trying to start-up in my name and information. I have received 2 letters of someone trying to open up an account, there is no phone number call about this matter, I have read on-line that this is happen to a lot of other people. Can you please advise me on this issue.
Product: Debt collection

I am writing a letter of complaint regarding XXXX and Enhanced Recovery Collections Agency. I did have XXXX service 8 years ago but cancelled it 2 years later because I didn't utilize the TV service. I had no recollection of owing any money to XXXX because I always paid my bills. I had not received any notices or phone calls since I cancelled the service over 5 years ago. Fast forward 5 years, In mid XXXX, 2019, the lender alerted me to a collections notice that appeared suddenly on my credit report. It was from Enhanced Recovery Collections for the amount of {$380.00} for a debt from XXXX. It sank my credit score! I called XXXX immediately. They couldn't retrieve any information because it had been so long since I cancelled their service. I called on two separate occassions and on both calls was told to wait a week for a call back from their administration. I never did receive a call back. Meanwhile, my credit score has been held ransom from an unscrupulous collection agency and I am unable to refinance my mortgage. This is criminal to hijack someone's personal identity and ruin their financial credibility! It is about the principle of the matter and I refuse to pay a debt that I do not owe. I wonder how many other people have been victims of this type of wrongdoing?
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXXXX/XX/XXXX
Product: Debt collection

Dear CFPB, I am writing to bring to your attention some inaccuracies on my consumer profile that you have on file. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to have my credit report be accurate, complete and not misleading. 

On Mon, XX/XX/XXXX, Capital One and I agreed to the settlement of an account in the amount of {$350.00}. I was asked to make either two payments of {$170.00}, with the first payment due by XX/XX/XXXX and the second payment due by XX/XX/XXXX. I paid the full balance of {$350.00} on XX/XX/XXXX, thinking that the account was settled and done. 

However, I received a letter from Capital One stating that I still owe {$90.00}. I called a Capital One representative on XX/XX/XXXX, and they said not to worry about it and that it would reflect differently on my consumer report. This turned out to be false, and the information on my consumer report remains unchanged. 

This is a violation of 15 USC 1692e 807, which prohibits false or misleading representations. Specifically, it is a violation of subsection ( 8 ), which prohibits communicating or threatening to communicate credit information which is known or should be known to be false, including the failure to communicate that a disputed debt is disputed. It also violates 15 USC 1692d 806, which prohibits harassment or abuse, specifically subsection ( 2 ), which prohibits the use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 

I am requesting that this account be deleted from my consumer report completely, as it is settled and done with. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Subject : Complaint Regarding Unreported Rental Payments by Experian Dear CFPB Team, I am writing to formally submit a complaint against Experian regarding their failure to update and report my on-time rental payments for XX/XX/XXXX and XX/XX/XXXX. This action, or lack thereof, is a violation of the Fair Credit Reporting Act, specifically 15 USC 1681.

Under 15 USC 1681, consumer reporting agencies like XXXX are required to maintain accurate and up-to-date information regarding a consumer 's credit history. The failure to report my on-time rental payments undermines my creditworthiness and may adversely affect my credit score.

I have attached screenshots of my rental payment records for the aforementioned months, which clearly show that these payments were made in a timely manner. These documents serve as evidence that XXXX reporting is inaccurate and does not reflect my responsible payment history. 

I kindly request that the CFPB investigate this matter and take appropriate action against Experian to ensure that they rectify this issue by updating my rental payment information in accordance with federal law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,
Product: Mortgage

Our firm represents a borrower in default on an FHA mortgage, currently under contract with a purchase price that meets the investor 's required net. Ditech denied the short sale because ( 1 ) the property is not owner occupied ; true, and ( 2 ) Ditech states the borrower has a credit score of XXXX or above. The borrower disagrees, has researched her credit score, and it falls below XXXX, therefore making the denial invalid and the short sale should have been approved. 

A written request was submitted to Ditech by the homeowner ( as instructed ) on XXXX XXXX, 2016. The following was requested in dispute of the denial : ( 1 ) The type of credit scoring module used, ( 2 ) The date of the credit report, ( 3 ) A full copy of the credit report, upon which the sale was denied. 

As of yesterday, Ditech has not provided any of the information to the borrower, and it remains " under review ''. Ditech has had this under review for over 60 days with no time frame for review to be complete. This has taken too long and the homeowner is in risk of foreclosure. Please contact our office should you have any questions : XXXX XXXX ( XXXX ) XXXX, e-mail : XXXXXXXXXXXX. Office hours are XXXX from XXXX until XXXX. Thank you in advance for your assistance.
Product: Credit reporting or other personal consumer reports

I HAVE RECEIVED THE REINVESTIGATION DISPUTE RESULTS FOR MY VERY SPECIFIC AND DETAILED DISPUTE I SENT TO YOUR COMPANY WITH SUPPORTING DOCUMENTATION THROUGH THE CFPB, BUT THE ACCOUNTS WERE STILL UPDATED AND VERIFIED AS ACCURATE. YOU WERE REQUIRED TO CONDUCT A REASONABLE INVESTIGATION, BUT THIS DID NOT HAPPEN, AS YOU FAILED TO DO ONE. 

( 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 I OBJECT TO ANOTHER REINVESTIGATION. I REFUSE ANOTHER REINVESTIGATION YOU HAVE 15 DAYS TO RESPOND TO THIS LETTER WITH THE INFORMATION REQUESTED
Product: Credit reporting, credit repair services, or other personal consumer reports

Once again I have paid off hundreds of dollars of merchandise on credit and all three XXXX, XXXX, and Transunion have not reported the great work pertaining to my credit. I have the paperwork to prove it as well. I have paid off hundreds of dollars of equipment on credit with the company XXXX XXXX XXXX and it doesn't show on any credit reports.
Product: Mortgage

SPS is violating California State Law and Federal Law in the handling of my short sale for my property. 

Complaint # 1 - Denied Access to Relationship Manager. 
1. ) When I call SPS I have been repeatedly denied the ability to speak with my assigned relationship manager XXXX XXXX at XXXX. When I request to be transferred to her by the automated system I am sent to the Customer Service department. When I request the Customer Service representative to speak with XXXX XXXX I am told that she is not available. When I ask to leave her a message I am informed she does n't have voicemail and there is no way to reach her other than for the Customer Service representative to send her a task. Most Recently XXXX XXXX at XXXX denied me access to my Assigned Relationship Manager. 

Complaint # 2 - Violation of HAFA short sale timelines and intentional delays to defeat my rights to short sale my property. 
1. ) On XXXX XXXX I called for an update and was told that the short sale was on hold pending documentation clarifying the names between the listing agreement and the settlement statement. 
2. ) On XXXX XXXX I emailed the documentation to SPS which included an updated Settlement Statement, a copy of the Trust Documents clarifying the trustees and the grant deed showing the transfer from our personal names to our trust. 
3. ) On XXXX XXXX I called to make sure the documents were received and was told they had been received but not processed. 
4. ) At the end of the week of XXXX XXXX I called again and was told the Settlement Statement was reviewed but the other documents were not reviewed. 
5. ) On XXXX XXXX I called and was told that all documents had been reviewed and the file was complete and being reviewed by underwriting. 
6. ) On XXXX XXXX I called and was told that the short sale was denied on XXXX XXXX since the buyer had been changed and a new file would need to be created. The new buyer contract had been sent more than a month ago yet on none of the calls that I had placed in XXXX did anyone from SPS mention that I would need to create a new file. 
7. ) On XXXX XXXX I called SPS again and opened a new short sale file by speaking with XXXX XXXX. He also said that XXXX XXXX is going to call me back within XXXX hours. 

At this point after more than a month of SPS delays I am about to loose my XXXX buyer on this property. My XXXX buyer walked away after waiting 45 days for short sale approval.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 at approximately XXXX I received an email from capital one stating that I was approved for my credit card. I have not applied for a credit card with capital one or any other bank and it left an hard inquiry on my credit report that I would liked removed.
Product: Debt collection

XX/XX/XXXX - XX/XX/XXXX : Signed Lease with XXXX XXXX ( property owner Dart Properties ). XXXX required 30 day notice if moving out. No fee to end lease prior to XX/XX/XXXX. Lived at this property since XXXX. After XXXX year was never a fee to break lease. 

XXXX XXXX : XXXX XXXX 's management was taken over by XXXX. I believe XXXX XXXX continued to own the property though. 

XX/XX/XXXX : Received early bird renewal offer letter from XXXX. Required a commitment that will be signing new lease, had to respond by XXXX XXXX to get the " early bird '' base rent ( my lease was not ending until XXXX ). The changes vs prior lease : XXXX. Base rent increase XXXX. Stacking of new charges previously paid by XXXX XXXX XXXX. 60 day notice period when moving out. The letter specifically states " all the other terms and conditions of your prior lease contract will continue unchanged '' XX/XX/XXXX : Accepted renewal from XXXX / XXXX XXXX XX/XX/XXXX : XXXX XXXX signed and began with XXXX XXXX XXXX XXXX XX/XX/XXXX : Gave 60 day notice that I was moving out XX/XX/XXXX : Moved out of XXXX XXXX. XXXX said I owed a fee for breaking lease. 
XX/XX/XXXX : I responded to XXXX that I was disputing the fee XX/XX/XXXX : Received initial notice from debt collector for the fee. 
XX/XX/XXXX : Disputing debt and filing complaint with CFPB
Product: Student loan

My husband and I have a direct consolidated spousal loan. We both work in public service. We have well over the XXXX  qualifying payments. I applied for forgiveness in XXXX and the portion of loans that came from me were forgiven and we were told my husband would also need to apply to have the rest forgiven. He applied in XXXX of XXXX  and waited because we knew processing times were long. 6 months later, he called to check on the progress and was told his application for forgiveness was processing. We waited several more month and called again and were told it was still in process. Following that, our loans were transferred from XXXX to Mohela so after waiting a few months, my husband called Mohela only to be told that there was no forgiveness application on record. So he submitted the forgiveness application form again. When I went online to check on the status, it said the application was cancelled. So I called again and the rep on the phone told me it was cancelled because the name on the form didn't match any existing accounts. He looked into the issue and saw that indeed my husband 's name is attached to the loan and said it was a mistake that they didn't process the application. He said he would have it reviewed and added a note about the issue. He told me to give it XXXX business days to have it fixed but it still says that the application was cancelled. We are beyond frustrated at this point. We having been calling and submitting info for help for about XXXX years now and have gotten nowhere. The problem seems to be with the fact that my husband and I have different last names and the loan is under my name but since the loans came from my husband originally they need his employment verification ( which he has already submitted but they refused them ). Is there anyone that can actually help resolve this situation? We are now at XXXX payments out of the XXXX required ( so XXXX payments over ) and everytime this company says they are going fix the issue, we wait and nothing happens. Now we are looking at payments starting up again and will have to pay over a XXXXXXXX XXXX a month on a loan that should have been forgiven by now. We have called over and over again and can not get anyone to help. We even tried to get an administrative forbearance while they figure it out and although we were told once again that we could get one, that never happened either. Please help! Thank you!