23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Back in XXXX I received a letter from Green Tree stating the amount that XXXX XXXX XXXX ( XXXX ) stated I owed. Sometime around XXXX of 2014 I continued going back and forth with XXXX regarding XXXX of my XXXX loan payments that had never appeared to be credited to my account. XXXX continue to acknowledge and send me multitutude of apologies and promises to take care of the situation. In the mist of being behind XXXX sent me XXXX applications to apply for another modification. After being hounded, I applied and received only a letter stating they rec 'd my information and would contact me. All of this was still " under investigation '' and " being worked on '' by XXXX when they sent my loan over to Green Tree. XXXX continuously sent me letters with the same content over and over promising they were tending to my issue. I have included XXXX but have plenty more of the same. I sent the last XXXX which was in XXXX, about XXXX weeks before they told me they were selling my loan. I supplied these letters and a few others to Green Tree. 

Then Green Tree, even after being told that this was going on, sent the letters XXXX sent me, and I also exercised the FDCPA requesting correction to the amount owed sent in the original notice, they completely ignored the information and sent me Default Notices. They even sent me a notice stating that I was behind my XXXX payment in XXXX? I received a notice to apply for modification, even though XXXX has my application and documents, nothing has been done about the misapplied payment, and in XXXX I made a payment to XXXX prior to my account going to Green Tree that I 've been told is " awaiting processing '' but continuously receiving letters stating they do n't have it and send documentation that they are holding the payment ( which I did -record straight from XXXX ). I continue to send my payments and request communication via email or written documentation ( XXXX ). They tell me they are a debt collector, but completely ignore my side of being able to exercise my FDCPA rights? today I received a letter dated XXXX XXXX, 2015 basically telling me they are preparing to take my home and that they have n't received a response from me ( they have gotten many and I have tracking and fax confirmations ). 
I show that I owe for XXXX, XXXX 's payment was sent in. They are telling me I owe for XXXX, XXXX, and XX/XX/XXXX- ( they have n't received the XXXX payment since it was just mailed, so I assume it would be XXXX ( which they have ) and XXXX which is a payment that carries on in dispute-not XXXX, but the payment XXXX was supposed to credit my account with. 

This has been absolutely horrible. Not to mention their calls and XXXX which an extremely rude person told me that it did n't matter XXXX I tried to explain talking loudly only confuses me. They were still yelling when I hung up the phone. 

I just do n't think it 's fair how XXXX can just ignore their promises and what should have been communicated and Green Tree ignore dealing with it and telling me I 'm not responding. 

Thank you for any assistance, I am incredibly stressed over this and feel bad that they think XXXX I 'm dumb.
Product: Checking or savings account

XX/XX/2022 Wells Fargo let a 4D contract creditor freeze my checking, savings and my daughter 's savings accounts WITHOUT an actual court order. They froze all of my accounts leaving me without my mortgage payment and my daughters savings money. When my account finally got released 3 months later it was empty except for my credit card balance that was way overdue. They gave this fraudulent company {$1100.00}. Nobody in the Wells Fargo legal dept. did not, have not and will not answer any of my phone calls or emails. I am still today waiting for a response from them. I get the run around from everyone that I talk to no matter who it is. I'm seeking payment for the money they stole from us as well as financial injury, health and mental stress for me and my daughter both for the 3 months it put me behind on all of my financial obligations and responsibilities including food, water, electric, gas, car insurance to get her to school.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List or accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX & XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account XXXX : XXXX, XXXX  XXXX  Account Number : XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in a FEMA declared disaster area from Hurricane Irma. I am currently on a disaster relief plan with my mortgage company, Mr. Cooper at which time they are to suppress credit reporting and they have not done so. They reported my account delinquent. I would like this corrected and insured it will not happen the next two months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from CFPB on XX/XX/2022, that you closed my complaint to protect myPRIVACY. I called TransUnion, XXXX, and XXXX after I purchased a credit report fromXXXX  on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLEitems on my personal profile, I noticed that there were Names : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX FAIR AV NORTH XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX. Accounts : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX Balance : $ XXXX : XXXX XXXX my credit report which are UNKNOWN to me. This isdisappointing because I have been paying XXXX XXXX to get a report every month and Ihave been disputing fraud items on my credit report all this time. One of the staff told me tovisit https : //www.ftc.gov/ and Report the Fraudulent items and have them BLOCKED ORREMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) thecredit bureaus are required to remove/block any item which was opened without myknowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of theidentity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of suchinformation by the consumer; and ( 4 ) a statement by the consumer that the information isnot information relating to any transaction by the consumer. 
A copy of my Driver 's License, Social Security Number and Proof of Address are all included in this complaint. I want you toknow that I am telling the truth and by TransUnion, XXXX, and XXXX not blocking theseitems are inadvertently resulting in me being extorted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the account in my Credit Report : XXXX CARD XXXX
Product: Credit reporting, credit repair services, 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  To Whom It May Concern : I recently received a copy of my XXXX credit report, and I noticed some late payments posted on my credit report : Your company is in clear violation of the law. Under 15 USC 1681 Section 609 ( a ) ( 1 ) ( A ) you are required by federal to verify- throuth the physical verification of the original signed consumer contract any and all accounts you must on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

( b ) 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 : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681 Failure to respond satisfactorily with deletion of the above referenced 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 : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The information being reported on my consumer report is inaccurate. The account information including the balance for XXXX XXXX  is incorrect. I need this updated to the correct information immediately!! 

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

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

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

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

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

XX/XX/22 I filed a complaint to XXXX XXXX on some hard inquiries that were not authorized by me nor did I apply for any loan thru Marlette Funding LLC. XXXX XXXX XXXX that Marlette Funding LLc was removed from my consumer report dated XX/XX/22. 
I have enclosed the document stating this fact. 

I filed a complaint on XXXX to investigate on XX/XX/22 about these hard inquiries only to be sent a report on XX/XX/22 stating that their investigation was complete and they updated the information on my credit file and not deleting them. The XXXX report disputing the inquiries was not investigated properly and they also received the document from XXXX XXXX about the removal of the company. 
I have enclosed a copy of the current credit report from XXXX showing the update and not removal. 

I am also seeing this company on my XXXX credit report. 

This Credit reports are mixed up with WHO XXXX XXXX and XXXX XXXX XXXX which they are not showing consistent accuracy. 


I am now filing a complaint on XXXX XXXX filing a complaint about these UNAUTHORIZED credit inquiries. As you can see from the documentation I have provided it is clear that my personal information has been frequently used by this company just by looking at all the dates on my XXXX report, there are XXXX repeatedly for 2 years. THIS IS EXTORTION AND ABUSE TO ME AS A CONSUMER. I want these credit inquiries removed immediately. This is unbecoming of a business and customer service. I would like verification from XXXX showing my signature to validate these credit inquiries, Especially seeing how many were on the XXXX report and the fact that XXXX XXXX REMOVED inquiry off my consumer report and XXXX continues to show inconsistency with other reports.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to ZIONS DEBT HOLDINGS LL due to improper used of my report and reporting inaccurate information on my file. I sent them a letter requesting to have an investigation to the unverifiable account, they stated that they did a proper investigation however when I checked my report the inaccurate information such as date opened, date of last activity, date reported, account status and payment history are still reporting. 

My rights were violated under 15 U.S.C 1681 section 602 A that states that I have the right to privacy, and 15 U.S.C 1681 section 604 A Section 2 stated a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

I have a mortgage with Midland Mortgage. I am being charged extra fees on the account monthly. I am not late on the payment, paid well in advance. It is a modification loan from XXXX. I have requested several time for a reason for the fees and a history of the account as well. I get transferred from person to person, they tell me they are going to mail to me in 7 to 10 days. I have yet to receive the documents from them. I also made a large payment on account back in XXXX  and have called to find out what happened to the payment and to provide how it was applied, no documents provided. 
I have emailed the VP of Midland, as well. Have not received any responds, as well. I am finally had a place in my life, that i can deal with the stress and try to get answers from them. I was over paying my mortgage each month as they estimated my escrow account by almost {$100.00} a month. Then they created these extra fees and started applying the over payment each month to the fees instead of principal on the loan. 
When ask to speak to a supervisor, they transfer to another co worker instead. I have looked online and several other people are having the same issue. They prey on people when they are at the weakest and take advantage of them with this so called fees. I have made several attempts to work this out with Midland Mortgage with no results. 

Thank you.
Product: Debt collection

Here 's a revised version of your message to the CFPB : Subject : Potential Fair Debt Collection Practices Act ( FDCPA ) Violation by ProCollections Inc.

Dear CFPB, I am writing to inquire about a potential violation of the Fair Debt Collection Practices Act ( FDCPA ) by ProCollections Inc.

ProCollections Inc. is claiming that I owe a debt, but I believe this is in error. I have respectfully requested that ProCollections Inc. provide me with a copy of the assignment of the debt or a trilateral contract demonstrating my legal obligation to pay them. I have not received this documentation.

Without such documentation, I am concerned that ProCollections Inc. may be violating the FDCPA by attempting to collect on a debt that I do not legally owe.

I would appreciate it if you could investigate this matter further.

Thank you for your time and assistance. 
Sincerely, [ XXXX XXXX XXXX ] Additional Information : ID And Proof address
Product: Credit reporting or other personal consumer reports

I have been reporting these issues to all three credit agencies for the last couple of years and I have also been asking the CFPB to assist me on these issues as well. I have ask all 3 credit agencies to report my correct name and only showing one name on my credit report. I have also requested them to show my correct address as well. They seem to only report what they want to report and not the correct information. I have asked written to the agency many of times regarding any hard inquiries that are reported on my credit report to be removed along with any late payments. It shows that I had an late payment on a vehicle I paid off early. If there were any late payments, paying that vehicle off early would not have been an option. I have asked the credit agencies for many years to remove that incorrect information and they have yet to do so. In accordance to the Fair Reporting Act, these creditors have violated my rights under 15 USC 1681 section 602, states I have the right to privacy. 15 USC 1681 section 604 ( A ) section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. I have submitted countless letters through mail and disputes through CFPB and on the three credit agencies websites and no action has been taken. I will have no choice but to involve the State Attorneys General office if no further actions are taken to resolve this matter.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is not my inquires asking it to be remove from my credit report
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXXXXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XX/XX/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 XXXXXXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A . States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

Beginning principal balance with  XXXX   XXXX  of about {$40000.00}, and after starting payments in  2010 , the BALANCE OWED on my student loans through this lender is now HIGHER than it was when I started. I am trapped. my debt to income ratio is horrible, and I have even PUT OFF HAVING CHILDREN as a result of this lender, ( as well as  XXXX  others ) keeping me prisoner. I did resolve to have a lower interest rate with auto pay, but I 'll be paying this off until I 'm  XXXX . My total student debt is {$110000.00} annually.  XXXX  of that  is Federal.      The only reason I 'm paying these loans on time or at all, is because if I did not, they would call an harass my  XXXX   XXXX   XXXX  grandmother an d myself 10 times a day. I pay because I could n't bear to hear my grandmother be afraid of the debt collectors and their threats. The process was heartbreaking and infuriating at the same time.
Product: Credit card or prepaid card

I have been double charged in XX/XX/XXXX and in XX/XX/XXXX for past purchases from early XXXX, I have also incurred late charges, interest and decreased credit score. I have tried to rectify this matter with both Commenity Bank and XXXX XXXX and neither has been will to take the time to look into these charges. I have used the card but have never carried a balance forward. All of this started in XXXX when a credit wasn't applied properly. Please help me!
Product: Debt collection

Cease and Desist Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Consumer Adjustment XXXX Tesson XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX Subject : Formal Cease and Desist Request Under FDCPA Dear Consumer Adjustment, This letter serves as a formal notice to cease and desist all collection activities related to any alleged debt associated with my account. I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), and requesting that you cease all communication with me regarding this matter, except as allowed by law.

Case law has affirmed my right to request the cessation of debt collection communications. In Daugherty v. Convergent Outsourcing , Inc., 836 F.3d 507 ( 5th Cir. 2016 ), the court ruled that a consumer 's request to cease contact must be honored by the collection agency to avoid further violation of the FDCPA. Any additional communication beyond what is permitted constitutes a breach of my rights under federal law.

Additionally, the case of Clark v. Capital Credit & Collection Services , Inc., 460 F.3d 1162 ( 9th Cir. 2006 ), reinforces the consumer 's right to privacy and the obligation of debt collectors to honor requests for cessation of contact. Ignoring this cease-and-desist demand will constitute harassment and a violation of the FDCPA.

Please be advised that failure to comply with this notice may result in further legal action. This could include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as pursuing other remedies to protect my rights.

Thank you for your immediate attention to this matter. I expect written confirmation that you have received this cease-and-desist demand and that you will comply with it accordingly. 

Sincerely, XXXX XXXX XXXX