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

XX/XX/XXXX I disputed XXXX accounts reportings for inaccurate and in violation to my rights with the bureaus. In accordance with the Fair Credit Reporting Act this bureau & creditor has violated my rights under 15USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 section 6 0 4 a s2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plans as late for any purpose. XX/XX/XXXX After stating my rights I asked to provide statements supporting the investigation. XX/XX/XXXX reports came back verified but didnt provided documents or wet signatures supporting the validation for the inaccurate report. 

XXXX XXXX XXXX opened XX/XX/XXXX account XXXX, my late payments has still not been deleted. 

XXXX XXXX XXXX XXXX opened XX/XX/XXXX account XXXX, still has charge-off reporting on my credit report. 

XXXX opened XX/XX/XXXX, still has charge-off reportings on my credit report. 

Inquires are Unauthorized - EXPERIAN XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The problem I'm having is 16 hard credit inquiries in just over a years time. I have very good reason to believe my identity was stolen although never noticed being my credit score has been on the low end for quite a while. But the hard inquiries are as follows : OneMain - XX/XX/XXXX Springleaf - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX One Main - XX/XX/XXXX Spring leaf - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX This is absolutely ridiculous!
Product: Mortgage

To Whom It May Concern, I am filing a complaint against Veterans United for failing to provide a timely refund of property taxes after the sale of my property. 

Issue : I sold my property on XXXX XX/XX/XXXX. Per my lenders policy, they were required to return any refunds, within 20 business days of loan payoff. That would be XXXX XX/XX/XXXX. 

I was owed property taxes that the city refused and returned to the lender back in XX/XX/XXXX. 

Despite allowing ample time for delivery, the funds remain outstanding, and I have not been given any resolution. 

Attempts to Resolve : I contacted the lender multiple times via phone and email. 
As of today XXXX XX/XX/XXXX, I have not received any money or confirmation of where my money is at this time. 

Additionally, in XXXX, Veterans United increased my escrow payments without providing proper notice or option to pay in advance. At closing, I had to pay not only my property taxes but also the increased escrow amount they had planned to spread out over XXXX. 

This delay has caused unnecessary hardship, as I recently moved across the country to North Carolina with XXXX children, including a XXXX baby. The burden of resolving this issue has fallen entirely on me, and the lack of communication has made it even more difficult. I expect this matter to be resolved immediately.
Product: Checking or savings account

They keep saying that they send a ck but we never received it and dont ant to give a copy to verify that THANKS
Product: Student loan

Ok so I complained and they found 12 additional months toward my public service loan forgiveness. Funny can they find more as I have 18 yrs with the same agency? I think they should look till they find them all, do n't you.
Product: Debt collection

I have disputed this account several times and have received nothing and didn't even know this was on my credit file until I seen it. I do not know nor ever went to this company or did business. Please help
Product: Student loan

I was told at first that I could only be on a payment program for XXXX  year. I asked to speak to a supervisor, and she told me its not a set term, but at the discretion of the lender. I mentioned the website doesnt give much info either. I plead with her that I had been making payments and havent been late, she said there was nothing she could do. The last person who approved my payment plan didnt mention it was coming to a final end, but that I just had to renew every XXXX months. This is very shady business practices. Now I have to choose between my home and child or my loan. She said it would go against my credit report if I didnt make full payments at the full rate. Why would they do that to someone who is regularly paying? They have been shady all along. They all but told me to go into default and then reapply.
Product: Debt collection

I would like Zuntafi, which appears to be a student loan service provider, to stop contacting me. It seems that they are using an internet white page directory of people with similar names and are arbitrarily calling phone numbers of the corresponding similar names at random. I do not know anyone of any of the many names they asked me if I was, and I dont know how to get them to stop calling me. Its really creepy. I have no student loans or any other debt for that matters.
Product: Mortgage

Foreclosure-Illegal Process and Guidelines. 

My home is scheduled for Foreclosure Sale XX/XX/XXXX - TOMORROW. I have been told I am in a Trial Modification without my receiving any documents for me to sign. I only received information in a Monthly statement ( via mail ) that my monthly Trial Modifications were to start XXXX and payment needed to be received ON or Before XX/XX/XXXX. How can I have until XX/XX/XXXX BY LAW to make my monthly payment but have a SALE OF MY PROPERTY XXXX XXXX? This to me is against the LAW! Please assist with correcting this to protect me as a consumer. This does not seem to align with what 's law. NationStar now says I have to have my payment in by XX/XX/XXXX to stop foreclosure proceedings for XX/XX/XXXX. This is not right. They refuse to disclose any terms of a permanent modification ; and their papers say this is Trial Modification Offer not Trial Modification.
Product: Mortgage

I fell behind in my mortgage in my home where I live due to a servicer change in the spring of XXXX. My mortgage is from XXXX. I had paid faithfully to XXXX XXXX  for almost XXXX  years, but in XXXX, there were XXXX companies contacting me at once -- -Newrez and XXXX --, each of which stated they were servicing my loan, and I therefore did not know who to pay. I drove out to the locations listed for these companies in XXXX  and found the offices unoccupied, so I incorrectly assumed this was a scam. I was a career civil servant and had no problem paying my mortgage at that time. But then I had a XXXX in XXXX of XXXX, which caused me to be unable to work. 

The XXXX affected me physically -- -XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -and XXXX  and XXXX XXXX XXXX XXXX. I first tried to resolve my delinquent mortgage and submitted a loss mitigation application with my housing counselor in XXXX of XXXX. I was then informed In XXXX of XXXX by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that it would give me {$50000.00} toward reinstating my loan if my servicer ( now Shellpoint ) would allow me to do a loan modification for the remaining amount. Now that I have stable income through XXXX, there is no reason for Shellpoint not to take the {$50000.00} from XXXX and approve me for a loan modification. I actually have {$25000.00} that I can contribute myself, which means that Shellpoint would receive {$75000.00} all at once, and would only need to approve me for a modification for approximately $ XXXX ( the remaining reinstatement amount ). 

So I submitted another loss mitigation application last month to Shellpoint. Now I am hearing from the XXXX program that Shellpoint is telling XXXX  that I am not eligible for a loan modification. Shellpoint 's is apparently stating that it is denying me because, according to Shellpoint, I do not live in my home and instead a tenant lives there. That is absolutely preposterous and must be the result of a mistake made by Shellpoint. As stated, I had a XXXX and therefore have to spend most of my time at home. I have even foregone physical therapy in order to save money to be able to contribute to reinstating my mortgage. All I am asking is that Shellpoint be reasonable and evaluate me for a loan modification for the remainder of the reinstatement amount -- -- approximately $ XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my ( XXXX, XXXX, Equifax ) credit report, and noticed some late payments posted on my credit report : XXXXXXXX XXXX XXXX- ACCOUNT NUMBER : XXXX Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

All three of the credit bureaus are in clear violation of the law. Under 15 U.S.C Code 1681b - Permissible purposes of consumer reports, THE LAW CLEARLY STATES : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : Exclusions.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as agreed, never late ) and supply a corrected credit profile to any creditors who have requested a copy of my report in the last six month, this agency is in violation of 15 USC 1681. 

Failure to respond satisfactorily with deletion of the above reference account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance [ 15 U.S.C 1681n ]
Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX Subject : Formal Complaint against Midland Credit Management , XXXX XXXX 
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Midland Credit Management XXXX XXXX for egregious violations of my consumer rights, as protected by the Consumer Financial Protection Act. 
It has come to my attention that Midland Credit Management XXXX XXXX placed a collection on my consumer file without issuing the requisite notice and without notifying me of my rights to dispute this alleged debt. 

I hereby declare my revocation of all communication channels with Midland Credit Management XXXX XXXX, including text messages, emails, and phone calls. I insist on engaging exclusively through written correspondence. 

In line with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am formally requesting that Midland Credit Management XXXX XXXX provide a purchase order agreement between them and the original creditor. I am particularly concerned about the accuracy of the account information, as the agreement may contain clauses stating that the data being purchased might be inaccurate. If Midland Credit Management XXXX XXXX is unable to produce this documentation, I demand the immediate deletion of the account from my credit report. 

The date on my consumer report indicating that I opened an account with Midland Credit Management XXXX XXXX is blatantly false. I neither received any services or products from Midland Credit Management XXXX XXXX nor entered into any contractual agreement with them. This misinformation tarnishes my credit history and infringes upon my consumer rights. 

The actions of Midland Credit Management XXXX XXXX constitute clear violations of 12 CFR 1006.34 ( d ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( b ) ( 5 ), and 15 USC 1681-s 2 ( 7 ) ( a ). I am formally demanding the swift deletion of this collection from my credit report, and I trust that Consumer Financial Protection Bureau will thoroughly investigate and address these infractions. 

Please keep me informed about the progress of this complaint and I appreciate your attention to this matter.
Product: Debt collection

This credit reporting agency is harming me and limiting my ability to advance to a better position in life by reporting false, misleading, and inaccurate information about me. They are reporting that I owe a debt to CCS Collections in the amount of {$52.00}. This collector or creditor did not provide HIPAA release to be able to collect on this debt. I am proceeding with legal action should this item not be deleted within the required time by law. This agency along with the debt collector have violated my right to privacy as well as broken the law in regards to sharing medical information. I reached out to this agency asked them to correct this erroneous information, but they refused and lied that this information has been verified. They did not provide me with any information on how they verified this false information. Plus, they can not verify something that is flat out against the law. 

Please assist me in this matter as this alleged debt and gross violation of several laws are gravely impacting my life. 

Thank you in advance!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed a complaint with your agency ( complaint ID XXXX ) regarding a lost check of {$660.00} not being applied to my NMAC account and my credit score reflecting this. The company sent paperwork XX/XX/XXXX stating the issue was resolved and I was satisfied because my report showed a {$0.00} balance. Unfortunately, after your agency closed your investigation, NMAC doubled back into my XXXX credit report and reported a late payment for XX/XX/XXXX, which is damaging to my credit, as late payments stay on your report for 7 years. The car was totaled on XX/XX/XXXX and in XX/XX/XXXX i was still fighting to have them credit my account.
Product: Debt collection

NOTICE OF CEASE AND DESIST I natural person XXXX XXXX XXXX am requesting that you cease all illegal and negative reporting until this debt is validated. 

After reviewing my credit profile. I identified fraudulent and deceptive reporting from both XXXX XXXX XXXX & ARS Account Resolution. I also took upon myself to look up there reviews and unfortunately it appears they've been criminally extorting thousands of patients. 
I have not received any correspondence from the creditor to validate this account is correctly belonging to me, nor has my credit report been updated to reflect this account is disputed. After reviewing credit report again on XX/XX/2022 there has been no updates and account is still reflecting on my report. This account does not belong to me nor does the creditor have authorization to access the account nor authorization to attempt to collect on this account and the account continues to negatively affect me. At this time, I will also inform you that your offices have reported invalidated information to all 3 credit bureaus this action will constitute fraud under both Federal and State laws. Due to this fact. If any negative mark is found on any of my credit reports by your company that you represent I will not hesitate in bringing LEGAL ACTIONS against you and your client for the following Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collections Act, and Defamation of Character. 15 U.S.C. 1681 section 602A States I have the right to privacy 15 U.S.C. Section 604A Section 2 It also states a consumer reporting agency cant furnish a account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make many consumer report containing of the following items of information Any other other adverse item of information other than records of convictions of crimes 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate In accordance with the Fair Credit Reporting act the List of account below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681 . Collection Account name : ARS ACCOUNT RESOLUTION- 15 U.S.C. 1681 section 602A States I have the right to privacy 15 U.S.C. Section 604A Section 2 It also states a consumer reporting agency cant furnish a account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make many consumer report containing of the following items of information Any other other adverse item of information other than records of convictions of crimes antedates 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating 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

Request For Debt Validation Pursuant to 15 USC 1692g Be Advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FCRA ) [ 15USC 1692g ] stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or TransUnion ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ). 

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 calendar days to investigate this information, during which time all collection activity shall CEASE and DESIST. 

Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated. 

If your office fails to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.
Product: Debt collection

Hello, I request to have a debit validated by Eastern Account Systems. To brief you, how can I or anyone move forward paying any debt without proper documents with my signature stating : I XXXX XXXX owe Eastern Account System the sum of {$490.00}. I have certified mailed Eastern Account System a detailed letter to verify the debt and they never respond to the recieved certified letter mailed on XX/XX/year>. Not to mention, I was told by Eastern Account Systems that they would send a fraud affidavit packet that was never mailed, emailed or received. This has been a nightmare and Eastern Account System should be held accountable for there treacherous tactics. When I first spoke with Eastern Account System rep they stated I didn't owe them anything specifically. Months later, Eastern Account System has stubbornly showed up on my credit file. Please remove this fraudulent account 15 US CODE 1692G
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, Nevada XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, My name is XXXX XXXX and I am writing to dispute several negative items on my credit report. I have noticed several errors and inconsistencies in my credit report, which I believe are negatively impacting my credit score. 

XXXX - On XX/XX/XXXX, there was a credit inquiry on my account from XXXX. I have no recollection of authorizing this credit pull and I demand that this inquiry be removed from my credit report immediately. 

XXXXXXXX XXXX XXXXXXXX- The account number XXXX associated with XXXXXXXX XXXX  XXXX is questionable. I request that you either clarify this information or remove this account from my credit report immediately. 

XXXX XXXX- The account number XXXX associated with XXXX XXXX  is also questionable. I request that you either clarify this information or remove this account from my credit report immediately. 

XXXX XXXX - Additionally, the account number XXXX associated with XXXX XXXX is also questionable. I request that you either clarify this information or remove this account from my credit report immediately. 

XXXX XXXX XXXX XXXX - The account number XXXX associated with XXXX XXXX XXXX XXXX  is questionable. I request that you either clarify this information or remove this account from my credit report immediately. 

XXXX XXXXXXXX XXXX XXXX  - Furthermore, the account number XXXX associated with XXXX XXXXXXXX XXXX XXXX is also questionable. I request that you either clarify this information or remove this account from my credit report immediately. 

XXXX XXXXXXXX XXXX XXXX  - The account number XXXX associated with XXXX XXXXXXXX XXXX XXXX is also questionable. I request that you either clarify this information or remove this account from my credit report immediately. 

XXXX XXXX - Lastly, the account number XXXX associated with XXXX XXXX is also questionable. I request that you either clarify this information or remove this account from my credit report immediately. 

I understand that credit reporting agencies have a legal obligation to ensure that the information they report is accurate and up-to-date. Therefore, I kindly request that you thoroughly investigate these errors and take appropriate action to remove them from my credit report. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX