23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

We are small business -XXXX XXXX XXXX XXXX-and are attempting to notify about the tactics used by Care credit now XXXX XXXX. 
We have had merchant account with Care credit and for past 20 years since ownership to XXXX XXXX there has been noticeable change in their banking tactics. 
Since beginning of XX/XX/2018 our patients opened accounts with Care Credit - then we had finished treatment they accused us of fraud. We provided Care Credit all signed documents and signed credit card slips but in both cases Care Credit did charge back-this in violation of our merchant agreement! We in good faith did treatment the patients then dont want to pay Care credit and file complaint. We provide all required paperwork Care credit ignores it and does chargeback to appease patients. We are small business and hiring attorney to fight this we would win but financially we can not afford to. We have closed our merchant account with Care Credit -XXXX XXXX . 
They charged our account merchant fees on initial two payments and again merchant fees when they did chargeback! This is theft and we are sure they are doing this to other merchants at behest of unscrupulous Care Credit card holders. We sincerely hope they are shut down and wanted this on the record
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$3100.00}, {$20000.00}, {$5000.00}, {$16000.00}, {$15000.00}. 
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the enclosed information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit report you publish. Credit reporting laws ensure that bureaus report only XXXX XXXX accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Enclosed is a list of negative items that need to be re-investigated. 

Under federal law, you have XXXX days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within XXXX days of the completion of your re-investigation. Please remove the fraudulent information immediately from my file. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$10000.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$3100.00} -This is not my account. 

XXXX. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with balance of {$20000.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$5000.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$16000.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$15000.00} -This is not my account.
Product: Vehicle loan or lease

I received recent copies of my credit file from XXXX, XXXX and XXXX. I spotted a company with an inquiry that I do not recognize, nor did I authorize. They have pulled my credit file with all XXXX bureaus twice, XX/XX/2022 and XX/XX/2022
Product: Debt collection

I received a debt validation notice dated  XXXX    XXXX ,2017  from  XXXX   XXXX   XXXX  stating that an account (   XXXX    XXXX   XXXX   XXXX .  ) h as been placed with their organization for collections with a balance of {$3100.00}. On  XXXX   XXXX ,  2017  I sent  Client Services Inc  a letter that they received on  XXXX   XXXX ,  2017  to provide me with proof that this debt belongs to me. As of  XXXX   XXXX ,    2017  I still have not received a response from  Client Services Inc. Therefore, the collection agency failed to validate this debt  I the required time frame. I have attached a copy of both their letter and mine along with proof of them receiving my letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called XXXX XXXX XXXX about a contract they have listed on my credit report. I asked them could they send the original contract because the car they listed in the credit report was from XXXX XXXX XXXX. They told me that they brought they contract because XXXX went out of business. I asked them could they send documents. They agreed however, they sent over somebody named XXXX XXXX bill if sale. 

On XX/XX/XXXX I called again asking for the same information and was told they will get in contact with the back office again and they will try again. They was able to send the payment history. Inside the payment history shows that they picked up the loan XX/XX/XXXX and on the XX/XX/XXXX was hit with late payments and interest fee but a payment was made in the XXXX which is when I normally payed XXXX XXXX XXXX company. I asked them can they send the payment records from XXXX it looks like the payments started over as if I did not pay XXXX XXXX  which I had for at least a year and they cant produce it. 

The payment history they sent shows that they charged off the the car off for XXXX.But thats not the amount thats reporting on my credit report. I disputed with all three credit reports and they keep updating inaccurate information. 

However they sold the car in XXXX so I doNt understand how they are still charging repossessing fees for XXXX and XXXX along with payments and they had the car since XX/XX/XXXX XXXX
Product: Vehicle loan or lease

In accordance with the Fair Credit Reporting act XXXX Account # 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
Product: Debt collection

Have been trying to dispute this account with credit bureaus for over a year. This account was opened over 10 years ago. I stopped paying the account after 1 year because it had issues and they repo it. They are still reporting this on the credit report after asking them to send proof of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this company and their inaccurate reporting for over 90 days however they have not responded to any of my dispute letters. In addition to the credit bureaus who allow this unverified reporting to continue.
Product: Credit reporting or other personal consumer reports

I recently went over my credit report and i noticed fraudulent accounts on my credit report. Please remove this account as it is hurting my ability to obtain credit. 
XXXX XXXX XXXX XXXX
Product: Mortgage

This complaint is regarding OCWEN not providing consumer financial relief to borrowers harmed during the foreclosure process. 
This included my foreclosed GMAC mortgage loan ( under XXXX and then XXXX was purchased by OCWEN ) and payments to borrowers as a result of the National Mortgage Settlement Act about foreclosure abuses and borrowers who lost their home to foreclosure. I lost my home to foreclosure in XX/XX/XXXX. 
After the results of the National Mortgage Settlement Act, I submitted the initial notification document with the Virginia Attorney General office prior to the established deadline while residing in XXXX. I relocated back to XXXX in XX/XX/XXXX to XXXX. 
Under the National Mortgage Settlement Act ( NMSA ), my mortgage loan qualifies for the following reasons:1. Unexpected home repairs2. I was deceived regarding the ability to make the mortgage payment3. I completed a trial loan modification plan4. I was not offered any ways to avoid foreclosure5. I did not receive proper notification of the foreclosure6. robosigning documents without my authorityThe foreclosed address is XXXX. I did not receive any documentation or a settlement check as advertised on the NMSA site. I called the Ocwen office and was informed by XXXX XXXX XXXX ( XXXXXXXXXXXX ), an Ocwen representative that documents were mailed to the XXXX address but I still have not received anything as of right now. I was advised to submit a letter. My first letter was in XXXX then another in XXXX. No response from Ocwen. 
Ally did not return my calls or provide assistance and I feel that the same thing will occur with Ocwen. 
I am an XXXX Veteran but did not use my VA loan. I respectfully request assistance in this matter regarding financial relief from Ocwen for mortgage settlement. Thank you.
Product: Debt collection

XXXX XXXX XXXX  XXXX {$7800.00} Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : experian, Please take notice that this letter dated ( XX/XX/2022 ) is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last month i sent out some documents to XXXX XXXX  and XXXX credit reporting agency about a late payment that saw on my credit report. I submitted all the right documentation for the CARES ACT forgiveness to show that the alleged late payment should not be counted against me since i was affected negatively by the pandemic. When i submitted a CFPB to the agencies they are ignoring me and saying they don't recognize me as a consumer. The pandemic has hurt alot of us and the Cares Act is in place to help us ease the suffering especially financially. Please help me bc it doesn't sound like they will honor the cares act. I called the furnisher of the XXXX  credit card in and they refused to validate and remove the other late payment. I explained to them that i didn't even know i had a credit card with XXXX  due to misleading advertising when i was in the store. I thought i was signing up for a members reward card and they gave me a credit card instead. Now The account is open and in good standing at the moment but they will not honor the CARES ACT here and remove the 30 days late payment. Please help this is causing me stress and severely hurting my credit.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


2. there is some inaccurate information reporting XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


4. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX  Account Number : XXXX Delete this account. 


5. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX XXXX Account Number : XXXX Delete this account. 


6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1692e - False or misleading representations XXXX Account Number : XXXX Delete this account. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX H XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am verifying that I, XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Product: Checking or savings account

I made a series of purchases with my NAVY FEDERAL CREDIT UNION DEBIT card. These purchases should have to debited when I swiped my card. A few days later, I was hit with overdraft fees on my account for insufficient funds. The money was on my card at the time of purchase but they held the charges for days until there wasn't enough money. 

XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXXthis was posted on my statement as XX/XX/XXXX but I was charged an overdraft fee of {$29.00} XX/XX/XXXX -made an in-person purchase at XXXX. Funds were available and my card was NOT declined. The next day I was hit with an overdraft fee for {$29.00}. I called about it and was told it was due to a gas transaction but even with that transaction there were more than enough funds to cover all transactions. 

The fees were waived but you only get one waiver per year. So I feel as though I was robbed. 


XX/XX/XXXX Completed a transfer of {$520.00} from XXXX to my NFCU account. Right after I used my card to pay a light bill for {$170.00}. The light bill transaction was successful. I then tried to add {$25.00} to XXXX XXXX and it was declined. I checked my account and found that there was no XXXX deposit or a debit from my light bill. I called NFCU and spoke with XXXX and he mentioned a " memo stating we have known system latency issue. peer-to-peer payments are having issues with XXXX. They're not processing. '' We were not notified by email or anything letting us know. I am also NOT enrolled in overdraft protection so im not sure how this keeps happening
Product: Credit reporting, credit repair services, or other personal consumer reports

DEAR SIR/MADAAM, I am contacting you about the compromising of my social security number. I am a victim of fraudulent information. I am writing to request that you block the following unauthorized information come to take place. I pulled my credit report and there are accounts on my credit report that are not mine and are UNATHAURIZED. I am filing a police report in Georgia and I filed a complaint with the Federal Trade Commission which is attached. Please block and remove all information from my credit report, and send an updated copy of my credit report. The following items does not belong to me and is a result of fraud that I did not authorize. 

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

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
U S DEPT OF EDXXXX XXXX Balance : {$2100.00} U S DEPT OF EDXXXX XXXX Balance XXXX {$3600.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXXBalance : {$3500.00} XXXX XXXX Balance : {$0.00} XXXXXXXXDOFED XXXX : {$0.00XXXX XXXX/DOFED XXXX : {$0.00}
Product: Debt collection

I reviewed my credit and saw 3 derogatory remarks from the same company for debts I had paid in full, there were no settlement amounts, the debts were paid in full. After contacting the company I was unable to contact a supervisor and I was denied the opportunity to clarify why the negative remarks had not been removed. The derogative remarks were posted two months after I had paid the debts via automatic bank drafts. the amounts were as follows : {$120.00} {$180.00} {$170.00}
Product: Credit reporting or other personal consumer reports

Im confident I pay on time, yet the company incorrectly reported me as late. According to USC 1666b, billing mistakes must be corrected and shown as " paid as agreed. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C1681. 

Account XXXX : XXXX, Account # XXXX. 
Account XXXX : XXXX. XXXX, XXXX Account # XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX XXXX Account # XXXX. Has violated my rights. 
15 U.S.C 1618 section 602A. States I have the right to privacy.

15 U.SC 1618 Section 604A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction. 

15 U.S.C 1618c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of any information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1618s-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: Debt collection

I head leasing car with Hyundai, after my leasing over, I went to replace my car, I came to dealer agency in XXXX XXXX they checked my car, after we talked about the price and agree about my returning of the car and condition and term of the new lease, all was verified all was understood, I agree to take new car and start to pay new amount, after few month I recieve collection in my credit report from HYUNDAI XXXX XXXX I called them to understand whats the problem they said that I owe them XXXX dollar for the old car I return and they checked, no need to say I didnt got any latter any phone call about this small small debt, all this time, only when the collection apear I know about this debt, regardless I dont know even why do I owe this amount XXXX dollar, we agree at the dealer all conditions and payment and conditions of my old car, why after so many month they want to charge me about my old car more money, ( cause they found somthing in my return car ) they agree to take my car after they check my car and agree to take new car, otherwise we could solve this on the meeting, they cant agree for all conditions and after few month to say sorry you still owe XXXX dollar, give me the chance for fair deal or to agree or not, with unfair feeling I paid that owe ( I cant have collection in my report ) but the collection/amount stay at my credit file and damage my credit, i try to called them but they didnt want to delete that from my report, I just ask to remove that collection from all XXXX credit report agency, even if its not fair deal, they just want me to stay with them no matter what they will do after I walk with new leasing from the dealer, this is not fair Buisness
Product: Credit reporting or other personal consumer reports

XX/XX/21 im in reciept of a report claiming that i owe XXXX XXXX # XXXX according to the fair debt collection practices i have a right to the allegeddebt validation
Product: Mortgage

I have a XXXX loan. 80 % with XXXX and 20 % with green tree. To refinance my loan for a lower rate I am refinancing the 80 % ( XXXX ). Green tree has asked for authorization form to release information. I signed the form and resubmited it. Green Tree has since asked us to change the verbage XXXX times on the authorization to release information. When contacting Green Tree their representatives can not help us and have no idea what to do but will send a letter. Normal quick refinancing with no money out takes 3-4 weeks, I have been waiting for 4 months all because of Gree Tree. I have no idea how this company is still in buisness. I have had several other issues with Green Tree. I am now seeking out other loan options to buy out my existing loan with Green Tree so that I will no longer have to deal with their incompitence.