23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Ditech is a substandard lender and needs to be looked at further for thier illegal tactics. On XX/XX/2017 my son returned home from a four day trip to Florida. When he arrived and tried to use his key to enter the front door of our home, he was unable to because the home had a lock on the door and his key did not fit the lock so he went to the side door to enter the property, only to find out someone had been in the property. To make the long story short, after Ditech had hired a company called XXXX XXXX   to take control on the home and prepare it for what was called winterized they went into my home and winterized my property with out notice to me they basically kicked me out of my house, placing plastic on everything and changing the lock and adding a lock on the front door. I had been trying to get a Deed in lieu from Ditech however they kept giving me excuses on why I did not qualify for the deed in lieu, the message they sent me said I did not qualify for a deed in lieu with a FHA home loan because I had not attempted to sale the home by short sale first, so I was denied the deed in lieu. So I contacted a real estate agent and gave them the information, who has had the hardest time contacting Ditech and speaking to anyone to get the necessary information to list the house on the market. Finally, the real estate agent reached some one and retrieved the information needed to start the listing process. In the mean time, Ditech went into the property to do an inspection to tell the agent how much to list the property for, then they gave the information to the real estate agent. The house is listing today, however I received a letter from Ditech telling me now that I dont qualify for a short sale I'm denied stating You were evaluated for a loss mitigation assistance based upon the eligibility requirements of the Federal Housing Administration ( FHA ) and XXXX the owner of your mortgage account. Based on a careful review of the information  you provided to us you are not eligible for FHA Special Forbearance due to the following reason ( s ) -  Your account is secured by condemned or vacant property and, therefore is not eligible for this program. We only moved out of the home after the property management took it over and Ditech clearly knew this because I called them and told them this during my complaint to them about going into my home violating our space taping up everything and ripping down window covering and everything else they did ... XXXX Ditech is playing games they do not care about consumers at all. Please investigate Ditech and this complaint and advise them to do the right thing and let me have a loan modification. I do have the paperwork verifying the above information. The only reason my property became vacant is because they violated my home changed the lock and added a lock violating our space and removing our normal access to enter the home though the front door because the lock was changed and an additional lock was added on the door.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states u have the right to privacy 15 USC 1681 section 604A section 2 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 and open and consumer credit plan as late for any purpose
Product: Mortgage

I am writing to formally address Bank of America 's role in the mishandling of my late father, XXXXXXXX XXXX XXXX XXXX XXXX mortgage following his passing in XX/XX/XXXX. As the Personal Representative of his estate and a successor in interest to his property at XXXX XXXX XXXX XXXX, XXXX, MD XXXX, alongside my mother, XXXX XXXX XXXX, I have faced substantial and unjust obstacles imposed by both Bank of America and XXXXXXXX XXXX XXXX 
Despite complying with all legal requirements to assume the mortgage, both institutions have systematically obstructed our efforts to safeguard this property. Specifically, in XX/XX/XXXX, Bank of America approved me for a loan modification trial plan, which I complied with by making all required payments from XXXX to XX/XX/XXXX. However, without proper notification, as mandated by the Truth in Lending Act ( TILA ) and the Real Estate Settlement Procedures Act ( RESPA ), Bank of America transferred the loan to XXXXXXXX XXXX XXXXXXXX. This transfer was followed by an erroneous claim from Bank of America that no payments had been made since XX/XX/XXXX, despite their acceptance of all my trial payments. 

This misleading information directly led to XXXXXXXX XXXX XXXX  issuing a Notice of Intent to Foreclose in XX/XX/XXXX, falsely alleging non-payment. Compounding these issues, XXXX has repeatedly refused to acknowledge my status as a successor in interest, despite being provided with sufficient documentation on numerous occasions. Attempts to make additional payments were also blocked, with XXXX citing the incomplete loan transfer as the reason. 
These events have had severe implications, including agents sent to the property and ongoing foreclosure threats from XXXX legal counsel, despite their stated commitment to pause collection activities for investigation purposes. 

I have reason to believe that XXXX bias may underlie these issues. XXXX homeowners like myself have historically faced disproportionate challenges in securing their rights as successors in interest, as evidenced by data showing higher foreclosure rates and greater difficulty obtaining loan modifications compared to white homeowners. This discriminatory pattern seems apparent in my case, where both institutions have refused to honor my valid loan modification and recognize my legal standing. 

Furthermore, the significant difference between my homes market value, which is nearly three times the mortgage balance, suggests financial motivations behind these aggressive foreclosure actions. Both Bank of America and XXXX XXXX XXXXXXXX appear to be acting in their financial interests at the expense of my legal rights and compliance. 

I am actively filing a Motion to Stay Foreclosure in the XXXX XXXX of XXXX XXXX to allow for a comprehensive investigation. I call on the CFPB to rigorously investigate these actions, uphold my rights as a successor in interest, and halt this unjust foreclosure process.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have a filed a dispute in regards to incorrect items on my credit report. it has been well over 30 days and i havent received investigation results
Product: Debt collection

Discover Bank is reporting a debt on my XXXX and XXXX XXXX report as being owed and that is inaccurate. I am writing to dispute this. I do not have a signed contract with this company nor an agreement stating I owe this account or company. I have attempted to contact this company on many occasions with no resolution. I have also submitted disputes to XXXX and XXXX XXXX for them to validate this debt and provided proof that I owe this debt as well as verifying and validating the amount owed and the accuracy of this reporting. This company is violating FCRA consumer laws by reporting inaccurate information. Please reinvestigate this matter and contact the national credit reporting companies to which you provided this information to have them delete the disputed account as soon as possible.
Product: Debt collection

XX/XX/XXXX : I went to XXXX XXXX XXXX XXXX XXXX XXXX, and was evaluated by XXXX XXXXXXXX XXXX 

I paid the full amount of my hospital bill through hospital 's XXXX XXXX when they sent the bill to my address. 

XX/XX/XXXX : I received a call from Puget Sound Collection about a debt amount of {$730.00} billed by XXXX XXXX XXXX. They stated that if I do not pay this amount it will have a bad effect on my credit.

I reached out to XXXX XXXX XXXX about this bill, they said that the XXXX XXXX bill is separate. Even though I did not receive any paper bill sent to my address before XX/XX/XXXX from the ER physician and have been given no chance to dispute the bill on time.

I called the physician 's office, they said the bill was sent to another place which wasn't my address at the time. However, they already sent that bill to the Puget Sound Collection so the physician 's office will not in charge of the bill anymore. Note : I did not consent for any of my information to be disclosed to a third party in this case, and my information has been sent to the Puget Sound Collection without my consent. 

XX/XX/XXXX : Puget Sound Collection gave my insurance information to provider XXXX XXXXXXXX XXXX XXXX XXXX so they could bill XXXX to pay for the bill. 

XX/XX/XXXX : I called Puget Sound Collection since I haven't heard from them for a while about this case. I found out that on XX/XX/XXXX : XXXX declined the claim from the physician 's office. And now, as Puget Sound Collection stated I owe XXXX dollars billed from XXXX XXXX XXXX, plus XXXX dollars from interest compound over the years to Puget Sound Collection.

According to the Physician 's office, this bill was for an out-of-

network Emergency Provider. Plus, this bill was never reach the patient 's address until the full amount was disclosed by a third-party collection. Comprehensive and clear communication about potential out-of-network charges should have been provided upfront. However, the patient is protected by the No Surprise Act, which went into effect on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I'm trying to buy a house I realize i have damaged on my credit report. According to the usc 1681 law, there should not be any damage on my credit report. Is a defamation of my character.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

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 under the following circumstances and no other : ( 2 ) 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 prot conte consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the del accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Personal Information Also Known As : XXXX, XXXX, XXXX Also Known As : XXXX, XXXX, XXXX Also Known As : XXXX, XXXX, XXXX Also Known As : XXXX XXXX XXXX Former : XXXX XXXX XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX XXXX XXXX Former : XXXX XXXX Current XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CO XXXX XX/XX/XXXX Current Address : XXXXXXXX XXXX XXXX  XXXX XXXX  XXXX, CO XXXX Previous XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Employers XXXX XXXX XXXX XXXX XXXX  Employers : XXXX XXXX  Employers XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Off XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$16000.00} XXXX XXXX XXXX XX/XX/XXXX {$5100.00} XXXX XXXX XXXX XX/XX/XXXX {$23000.00} XXXX XXXX XXXX XX/XX/XXXX {$3200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2000.00} XXXX  XXXX XX/XX/XXXX {$2000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX  XXXX XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$1000.00} XXXX XXXXXXXX XX/XX/XXXX {$1000.00} XXXX XXXXXXXX XX/XX/XXXX {$1100.00} XXXX XXXX XX/XX/XXXX {$1800.00}
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$660.00} Collection XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$540.00} Collection Equifax XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX MD XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX XXXX : {$0.00} Charged off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Collection XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$660.00} Collection XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX : {$540.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance XXXX {$0.00} XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$660.00} XXXX XXXX XXXX  XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Collection XXXX XXXX Original XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$540.00} Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

There was a payment of XXXX taken from my credit card ending XXXX on XX/XX/2019 that I never authorized or submitted for payment. Last payment I submitted online for approval was on XX/XX/2019 XXXX which posted on XX/XX/2019 and no other payments were authorized to be taken off that card after that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and disputed these accounts. I have emailed the CEO to have his team look into it and start a dispute. I have even sent in documentation showing that an old Mortgage account should have no late payments. The company responds by saying they can not read the document clearly or that I have already disputed this information and unless I have newer documentation, they can not reinvestigate.

1. XXXX XXXX FKA XXXX - is NOT my account and needs to be deleted. 
2. XXXX XXXX is showing 2 late payments - this account was never late. 
3. XXXX XXXX XXXX XXXX XXXX is showing late payment ( s ) - this account was never late.

4. XXXX XXXX XXXX has several late payments. I have sent them proof that this account should have no late payments and they refuse to remove them saying they can not read the document. 
5. XXXX XXXX  XXXX shows late payment ( s ) - I have never paid this account late. 
6. XXXX XXXX XXXX This is not my account and needs to be deleted.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information to my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Debt collection

I called and paid my debt I had that went into collections and it is still in collections after calling to pay it and I was charged
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, 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 15 USC 1681Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. Lastly, 15 USC 1681 s-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 in accurate. I'm requesting that the accounts above be deleted immediately.
Product: Vehicle loan or lease

A consumer transaction that took place XX/XX/2022 between XXXX of Mobile/JP Morgan Chase Bank and myself. I am trying to Rescind my contract due to the failure of the creditor providing me proper notice in accordance to 15 USC 1635 ( i ) ( b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I've talked to the bank & they've agreed to update the accounts. BUT XXXX has some internal block which they're claiming they can use to not update the account because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Dispute letter ( which is a FEDERAL LAW ). So XXXX feels they're above the letter of the law & will not explain their policy... I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$2300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony Bank Gap is reporting someone else 's account on my credit. 
This is a fraudulent account that I am not affiliated with, and I am requesting that it be removed from my credit ASAP
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of urgent concern regarding fraudulent items on my credit report. It has come to my attention that unauthorized entries have been listed, severely impacting my financial standing. This complaint serves as a formal request for the swift removal of these fraudulent items from my credit report. 

Upon discovering these unauthorized entries, I took immediate action to dispute them through the appropriate channels outlined by Credit Bureaus. I provided all necessary documentation, including police reports and affidavits, to support my claim of identity theft and fraudulent activity. 

Given the gravity of the situation and the potential consequences for my financial well-being, I urge you to expedite the investigation and removal of these fraudulent items from my credit report. Timely action is crucial to mitigate any further damage to my creditworthiness and restore the integrity of my credit history. 

I request the following actions be taken without delay : Immediate removal of all fraudulent items from my credit report.

Written confirmation of the removal, along with updated credit reports reflecting the correction.

Assurance of ongoing monitoring and protection against future instances of fraud or identity theft.

I emphasize the urgency of this matter and urge you to prioritize its resolution accordingly. Failure to address this issue promptly will compel me to escalate my complaint to relevant regulatory authorities and pursue legal recourse to seek redress. 

I trust that you will treat this complaint with the urgency and seriousness it demands. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has come to my attention my personal information has been exposed in a national data breach. After reviewing my credit reports, I noticed some accounts I am not familiar with. i have asked the CRAs for validation of debt. However, the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. 

Please find the attached copy of My ID, the FTC Complaint, a copy of the XXXX report showing my information being exposed in a national data breach and Validation of Debt letter.