23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/year>, I received an email from NetCredit regarding credit. However I never applied for consumer credit with this company and I have been a victim of Identity theft. 

There is an extended fraud alert on all consumer reports. This company NEVER contacted me to verify that this was a legal request for consumer credit. I DO NOT HAVE AN ACCOUNT WITH THIS COMPANY. 

However, I immediately filed an FTC identity theft affidavit ( report # : XXXX ) and provided it to the company. The company has refused to continue further regardless of what the federal law requires. 

So they have denied doing anything until they have a police report. So I filed a police report ( XXXX with the XXXX XXXX XXXX XXXX XXXX XXXX, Ohio ) . 

They then told me I need to produce a police report with my personal banking information on it. They also told me I need to turn in a letter to them to send to the " credit bureaus ''. I ABSOLUTELY WILL NOT PROVIDE MY PERSONAL BANKING INFORMATION NOR WILL I WRITE THEM A LETTER TO SEND TO THE CONSMER REPORTING AGENCIES. 

THEY HAVE CONTINUED TO DISREGARD FEDERAL LAWS. It doesn't matter what their policy is, It is not above FEDERAL LAWS. Federal laws do not state I must produce a police report. Federal law does not require my personal banking information. 

If this is not immediately resolved I am and will be seeking litigation against this company. 

Its not a surprise that they hold 1 out of 5 stars with the XXXX. Every time I have called I can NEVER speak to a superior or someone with the slightest education. They put in a " request '' to be contacted. I have still to this day not been contacted by phone by this company. The emails are just as worthless as the phone calls. 

I have recorded all phone calls and saved all emails from this company. I SHOULD NOT HAVE TO GO THROUGH SO MUCH PROBLEMS WITH THIS COMPANY. THERE SHOULD BE NO REASON FOR THEM TO HAVE A POLICE REPORT WITH MY PERSONAL BANKING INFORMATION. THEY SHOULD HAVE PROCESSED THE REQUEST and PRODUCE THE REQUESTED DOCUMENTATION WHEN THEY RECIEVED THE FEDERAL AFFIDAVIT OF IDENTITY THEFT IN XXXX. 

IT is now XX/XX/year> and I am still demanding the same documentation. I SHOULD NOT HAVE TO PROVIDE THE SOCIAL SECURITY ADMINISTRATION NUMBER TO THEM WHEN I AM TELLING THEM SOMEONE HAS STOLE MY IDENTITY. 
As of todays date, a cease and desist is being sent to them and their registered agent and a demand to provide documentation that has been requested.
Product: Debt collection

I received a credit alert about a company by the name of Ability Recovery services so I called the number listed to inquire about the debt and why was it still showing, the rude customer service lady yelled the whole conversation so I never got any information I ask for nor could I give her my case number. After I asked her why she was yelling she continue to huff and puff and then hung up on me. I called back and the next rude lady decided giving her name was not necessary when I asked and she proceeding to yell as well.
Product: Checking or savings account

I noticed the change orginally when I only spunt XXXX on a ring and maybe XXXX or less and instead of being at XXXX or XXXX I was left with XXXX and the told me nothing was wrong and because they changed my documents my numbers on the solution sheet ( the summary account summary ) I was left looking as if Im accusing the Bank of America company! I just want my money bank that they took from me Im owed at-least XXXX dollars for fees and an additional XXXX for theft and pain and suffering! and XXXX be satisfied with those further taking actions to make me the perfect citizen who was under attack so I can further more open up an account with an credit union! Something more professional and safe. Im sure if you pull up ip files etc Im not wrong my number is I was unaware about credit unions unTill this last time I closed out my bank and I had to complain to family for emotional support and it really bothered me till they gave me new advice and told me XXXX day theyll probably have an opening hearing about this and I seen it in the news yes today is my lucky day. Feeling great already thank your staff! My name is XXXX XXXX XXXX ready to receive a check form of payment for a response. This happened XXXX
Product: Debt collection

Aargon Agency is on my credit report. Ive tried calling Aargon and Ive also emailed Aargon Agency.  Aargon says on my credit report that they are collecting for XXXX. Ive called XXXX and I dont owe them anything. XXXX is in a different town from me and I havent been there in Years
Product: Mortgage

1. Complaint XXXX submitted 2. I have attempted to call the single point of contact and that individuals manager every day for the past week. There have been no return calls or messages left for me. 
3. On XXXX XXXX I left a long detailed voice mail for the manager of my single point of contact informing them of the following : A ) The sale of the house appears to be moving forward, however, the buyer is forcing us to close by XXXX XXXX and we are going to do everything we can to meet that time frame. 
B ). Buyer completed their house inspection and that revealed an inoperable condition with respect to damage under the house. We are attempting to work through that issue. 
C ). We will ask for a payoff letter. 
D ). I asked for the courtesy of a return call so I could discuss the issue and understand options. 
4. Instead of talking with me, ditech took that information, sent it to an attorney and had them send a notice that they would foreclose. This is unconscionable and if this notice is discovered by the buyer the sale could be off. This is after making offers to continue a payment plan and making an offer last month to purchase the note - ALL OF WHICH HAVE BEEN IGNORED. No phone calls. 
5. One of the primary Borrower 's, XXXX XXXX XXXX, died on in the past two weeks. The other has scheduled XXXX within a month. We have proactively worked with ditech throughout the process to get the loan repaid with a goal that the borrowers would at least have a small amount of money for medical expenses and to live on. The remaining Borrower, XXXX XXXX, is faced with those costs and a reduced income as her survivor social security benefits result in reduced income. 
6. And ditech believes that this is the right time to send the foreclosure notice?!
Product: Mortgage

Had a fire in our home XX/XX/XXXX. Placed a claim with our Homeowners Insurance, XXXX XXXX and received funds for the Contents and Dwelling. As required by the mortgager, the Dwelling funds were sent to Wells Fargo for disbursement upon their approval process. A XXXX was already chosen and some work was performed. Wells Fargo disbursed {$10000.00}, of the almost {$90000.00} Dwelling funds. At this time the XXXX Wells Fargo inspection occurred and the XXXX had finished XXXX XXXX and the necessary demo work. Additional funds were necessary for the XXXX to continue work, following the initial {$10000.00} disbursement. An additional ~ {$38000.00} was required for the XXXX to continue work but no work could continue without the additional funds. This was explained to Wells Fargo on numerous occasions but the funds were denied based on the initial inspection not meeting a certain threshold for additional fund disbursement. Wells Fargo inevitably stated the funds may be released if a statement from the XXXX was submitted to them stating work wouldn't continue without additional funds. This was submitted but funds were still denied. Work hasn't been continued since early XXXX XXXX  XXXX. I have been provided numerous reasons as to why the additional funds will not be disbursed. It seems it depends on whom as speak with when calling. There is no assigned caseworker to our account at Wells Fargo. Everytime I call I usually speak to someone different and receive a different reason for additional funds not being provided and the house sits vacant, awaiting to be fixed. This is over XXXX years now since the fire.
Product: Credit reporting

I received a credit monitoring alert that a new address was added to my TransUnion credit report. When I checked my credit report, TransUnion is showing an incorrect address of :  XXXX   XXXX   XXXX ,  XXXX , GA  XXXX . That is NOT my address. I demand that this incorrect address is removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am exercising my consumer right to dispute information on my credit report on the grounds of XXXX XXXX reporting standards, and Fair Credit Reporting Act ( FCRA ), Sections 621 and 623 compliance. This is the second attempt in writing to dispute this information with my original request sent via USPS-certified mail on XX/XX/2023. I have highlighted the XXXX accounts in dispute including the furnisher, bureau, field, and error. 

The FCRA stipulates data furnishers must report data that is accurate, consistent, and complete. Industry standards including XXXX XXXX are also applied to ensure consistency and accountability between consumers, furnishers, and reporting agencies. As shown, neither standard is being adhered to. 

There are multiple instances on each of the XXXX ( XXXX ) accounts where the data being provided is not complete, nor consistent across the XXXX bureaus ( XXXX, Experian, and XXXX ). In total, XXXX data fields marked as required, per industry standards, are not populated. Furthermore, there are approximately XXXX data fields with inconsistent or inaccurate information. It is generous to say the data being furnished is not accurate, consistent, or complete. 

The XXXX Bureau of Consumer Credit Protection has its statutes for fair credit reporting and enforces the following actions concerning disputes : Maine law requires that the investigation be completed by the bureau within twenty-one ( 21 ) calendar days. ( Federal law is less specific, requiring that such investigations be completed within a reasonable period of time. ) If at the end of that period you are proven correct, or if the original information can not be verified, the bureau must remove the information from its records. It can not reinsert the information at a later date, unless it is first verified. After the credit bureau completes its investigation, the law requires that it notify you immediately of the results. 

The Consumer Data Industry Association ( CDIA ) has specific guidelines related to accuracy/integrity, consumer disputes, and reporting guidelines for specific accounts. Copies of these guidelines have been included for reference and again, are not being adhered to. 

In summary the information contained in the disputes sent on XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, has not been verified, nor deleted within the given time frame defined on both state and federal levels. My request to review the information used to verify accounts has neither been granted nor acknowledged. This is a direct violation of my consumer rights. 

I am therefore demanding each of the XXXX ( XXXX ) disputed accounts be removed, not updated, immediately from each report at the XXXX major reporting bureaus. Please be advised that failure to uphold your obligations as a consumer reporting agency will result in civil litigation and possible sanctions or fines from both state and federal regulators. 


Sincerely, XXXX XXXX XXXX box XXXX XXXX, Maine XXXX
Product: Vehicle loan or lease

I received my first statement from GM financial and processed the payment on XX/XX/XXXXto be delivered latest XX/XX/XXXX. Talked to my credit union who informed me that the payment was sent out XX/XX/XXXX to the overnight address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AX XXXX. MondayXX/XX/XXXX i called GM because i had noticed my payment still wasn't processed they informed me it could take 7-10 days to process and i wanted to speak to a supervisor because they have had my check sinceXX/XX/XXXX and the agent hung up on me. I called back with more information from my bank and received the same terrible customer service repeating the same XXXX about 7-10 days with no help trying to resolve my issue. a third time i called on Monday i spoke to a " supervisor '' who said she was submitting a ticket to look into the payment processing with my check number but wouldn't give me a ticket #. It is coming up on the 10 days where they will charge me a late fee even though they have had my payment sinceXX/XX/XXXX and cant figure out how to do their jobs and post my payment. I am waiting for back up from my credit union for the information on when the payment was sent and delivered to provide to GM but no one can find my check when it has been IN HOUSE sicneXX/XX/XXXX
Product: Debt collection

The collector sent a demand letter on XXXX XXXX, XXXX requesting payment for a utility bill. A response was sent on XXXX XXXX, XXXX requesting more information regarding the debt ( such as verification ), and there has been no response. Failure to respond with reasonable documentation is an abusive and unfair practice barred by 15 USC 1692. 
Failing to respond to a good faith attempt by a debtor to confirm the validity of a debt leaves a debtor in an confusing state of limbo where he is uncertain of what further actions to take. He is unable to determine if he should continue to attempt to resolve the alleged debt or assume it is invalid.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account XXXX - To Whom It XXXX Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXX VI, Section XXXX, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 
Please provide : XXXX. The names and business addresses of each individual with whom you verified the information with above, so that I XXXX follow up. 
XXXX. The date you contacted the individual funishers of information. 
XXXX. The method of communication you used to verify the information. 
I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.
Product: Mortgage

An appraisal was scheduled in furtherance of a mortgage needed to complete an agreement of sale of real property ( contract or sales agreement ). The contract contained, XXXX XXXX, an appraisal deficit waiver provision as well as an escalation clause that increased the sale of the property by XXXX over the starting sales price of {$550000.00} spelled out in the contract. Citizens contracted with an undisclosed XXXX XXXX XXXX ( XXXX ) and misrepresented my loan application by only partially uploading the contract, and failing to include the escalation addendum. XXXX XXXX XXXX XXXX ( hereinafter XXXX  ) was then contracted to perform the above referenced appraisal. They informed me that the sales agreement they utilized was retrieved from the XXXX and confirmed that the incomplete sale agreement was uploaded to the XXXX by Citizens. The appraiser relied upon the misrepresentation of Citizens in arriving at an appraised value of {$550000.00} ( the amount incorrectly listed as the sales price ), as evidenced by the appraisal itself wherein the contract is listed as being reviewed and relied upon. 

This issue was immediately brought to the attention of Loan Originator XXXX XXXX XXXX ID # XXXX ( XXXX ), who in response made a series of false and misleading comments in explantion, including but not limited to assertions that the sales agreement could not be provided to the appraiser and that they should not have it in any event, even calling it illegal more than once. Furthermore, XXXX asserted that the appraiser did not receive the sales agreement from Citizens, and must have gotten it from elsewhere. The Uniform Residential Appraisal Report utilized ( XXXX XXXX  XXXX XXXX ) provides on its first page an opportunity for an appraiser to obtain, analyze and consider the sales agreement for the subject property in arriving at a value. This form was last revised in XX/XX/XXXX, allowing this alleged illegal activity to take place for at least the last 16 years. 

The issue is that Citizens failed to upload the entire sales contract to the XXXX and omitted a key addendum. This is significant for several reasons. This is a material and detrimental misrepresentation impacting my loan because the appraisal did in fact analyze the incorrect sales contract in arriving at an appraisal value, to my detriment. Citizens, through XXXX, knew that my loan would proceed despite a lower sales price, and deceasing the lender risk associated by omitting the addendum, and then repeated the pattern and practice of misleading and false claims by offering emphatic explanations that were curiously as pedantic as they were incorrect. My loan has suffered as I am now required to obtain an amount of cash to close likely in excess of what should have been required had my loan not been misrepresented.
Product: Money transfer, virtual currency, or money service

Someone took loan out in my name and withdrew money from my checking account
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent Items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$10000.00}, XXXX XXXX Balance : {$500.00}, XXXX XXXX Balance : {$0.00} , XXXX XXXX Balance : {$5700.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balan {$1200.00}, XXXX XXXX XXXX XXXXBalance : {$480.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$210.00}, XXXX XXXX XXXX Balance : {$3900.00}, XXXX XXXX XXXX XXXX Balance : {$960.00}, XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have contacted all three Credit reporting agencies regarding the fact that my personal private information was disclosed on report This letter is per the FCRA as a Federally protected consumer per 15 USC 1681. I am now opting out of any and all authorization I the consumer may have given you in the normal course of doing business that gave any written unwritten verbal and non- verbal consent. Pursuant 15 USC 6802 my right to opt out was never extended to me, as well as potential violations of 15 USC 6803, 15 USC 6804, 15 USC 6805, 15 USC 6508,16 CFR 313.1, CFR 433.1-433.2. The Banking Act of 1937, The Privacy Act of 1974. 
The following accounts listed below all have been found to be in violation of Federal law that protects of release of my nonpublic personal information to non-affiliates as a result of my internal investigation as well as numerous inaccuracies of credit file # XXXX XXXX, report # XXXX, Report # XXXX, Report # XXXX, Report # XXXX. XXXX, XXXX, TRANSUNION, EARLY WARNING SERVICES are all third-party affiliations of the following corporations. 
I hereby demand validation that is competent evidence bearing my signature, showing that I have or had some contractual obligation ratified by me. 
I hereby demand that XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX account profile updates pending the investigation of any evidence you are instructed to update any detrimental information to paid as agreed. 
Thank you kindly, ______________________________ XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX, Maryland XXXX Cc : Consumer Financial Protection Bureau Cc : XXXX XXXX XXXX
Product: Credit card or prepaid card

I file this complain against American Express : ( 1 ) The highest interest rate ( 29.99/ % ) ( 2 ) The highest fee charge ( {$39.00} ) ( 3 ) Bad business practice behavior ( email, online payment, chat, issue handle, etc. )
Product: Debt collection

On XX/XX/2018 Diversified Consultants received a certified letter from me requesting debt validation. Diversified Consultants responded by sending a bill. On XX/XX/2018 a 2nd written request was sent to Diversified Consultants to verify the alleged debt ; the company responded by sending another billing statement. Months prior to receiving this negative remark on my credit reports, I returned the cable/internet equipment to XXXX and was awaiting a final bill showing the deductions of the equipment. I never received a final bill reflecting the appropriate charges nor was I given the opportunity to pay the final bill before they sold the account to a collection agency and reported it on my credit reports.
Product: Debt collection

Somebody have bought insurance under my name with XXXX insurance company for a auto which I don't even own. After talking to the company to explain that I don't own this car and never bought this policy with them they are still holding me accountable for the balance due. Now they have send this to Collection Services and I have been receiving letters from them. 
I am getting no where with them so please need help with this matter to be resolve because its effecting my credit.
Product: Debt collection

Last year ( XXXX ) I moved and turned off my electric service with XXXX XXXX. After receiving my confirmation email that my service had been turned off, I received no further communications from XXXX no emails, no phone calls, and no letters in the mail. So imagine my surprise when I received a notice from a credit reporting agency that I had an outstanding XXXX bill that had been sent to collections! I have now paid the bill ( {$100.00}, through the collections agency Contract Callers Inc., on XX/XX/XXXX ), but there is no telling how long it will take for the collection account to come off my credit report, if at all. When I called XXXX, all the representative could say was that they send final bills through the mail, which in my case was apparently not true. While I was a XXXX customer, I always paid on time, and it is infuriating to me that they would send me to collections without ever notifying me, through any form of communication, that I had an outstanding bill. This feels like the action of a scummy company, not a major utility, and frankly I have to wonder if there are any kickback deals happening between XXXX staff and the collections agency. 
I also never received a notification of the debt from the collections agency, but this could be because I had moved again from the address I provided XXXX for my final bill. If they did not receive my account until after my mail forwarding had ended, they had no way to contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

After multiple attempts to get Equifax to address the reporting violations on my credit report, no response as well as my report is full with FDCRA violations. I have a copy of the letter I sent via United states postal service certified mail along with a copy of my credit report that is currently reporting information that has no legal standing to be reporting on my credit report. I also, included my Identification verification to show proof of my identity. Please investigate and hold Equifax responsible for the damage their neglience is causing to my livelihood.