23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I applied for a mortgage loan with New American Funding ( NAF ) and was assigned XXXX XXXX as my loan officer. Throughout the process, XXXX repeatedly assured me that my loan was in good standing and that I would qualify. Based on these assurances, I proceeded with the home-buying process, including : Receiving a pre-approval letter for {$320000.00} Submitting an offer on a {$230000.00} home after XXXX informed me my approval amount was adjusted to {$240000.00} due to debt-to-income ( DTI ) ratio considerations Paying for an appraisal and home inspection ( totaling thousands of dollars ) Starting title work and moving forward with underwriting On XXXX [ date ], at the final underwriting stage, I was suddenly informed that my loan did not qualify due to a DTI ratio of 67 %, exceeding the threshold of 57 %. This change was due to the last-minute re-inclusion of previously disclosed debts ( student loans and an XXXX loan ) that XXXX had already accounted for earlier in the process.

This mismanagement appears to be a clear violation of the Truth in Lending Act ( TILA ) and the Real Estate Settlement Procedures Act ( RESPA ), which are designed to protect borrowers from deceptive and unfair lending practices. Specifically : 1. Misrepresentation & Failure to Provide Accurate Loan Terms ( TILA Violation ) XXXX and NAF repeatedly provided misleading information about my eligibility, my approval amount, and my debt obligations. I relied on these assurances when making financial decisions, only to have my approval revoked due to a last-minute change in how my debts were calculated.

2. Unfair & Deceptive Lending Practices ( UDAAP Violation Dodd-Frank Act ) By misleading me into believing my loan was secure, NAF caused financial harm, including out-of-pocket expenses for inspections, an appraisal, and title work. The abrupt denial at the final stage of underwriting suggests a failure to exercise due diligence and protect me as a consumer.

3. Failure to Conduct Proper Loan Evaluation ( RESPA Violation ) RESPA requires lenders to provide consumers with accurate, upfront information about their loan qualifications. Malcolms repeated assurances, despite unresolved DTI concerns, caused me to invest time and money into a home purchase under false pretenses.

Additionally, after raising concerns, XXXX ignored multiple requests for clarification, leaving me with no choice but to escalate my complaint to NAFs leadership team. I am still awaiting a response.

I am requesting the Consumer Financial Protection Bureau ( CFPB ) to investigate New American Funding for potential violations of federal consumer protection laws. Given the financial losses I have suffered due to their negligence, I also believe NAF should be held responsible for reimbursing my out-of-pocket expenses.

I appreciate your time and consideration in reviewing this serious matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I realized that some of the information was erroneous. The 3 credit Bureaus are required to validate these inquiries under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting inquiries as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable inquiries below : XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Debt collection

This debt was resolved nearly two years ago when it was paid under settlement. I was promised that it would be removed from my report and that I would hear the end of it. However, recently, this company put this incorrect and predatory information back on my credit report that deducted 85 points from my profile. I have the proof that it was paid on XX/XX/2019 directly from my checking account in the amount of {$1200.00}.
Product: Debt collection

I have settled this debt with Chase and they are still reporting it. I have requested them to remove it from my credit reporting and they are not working with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid and closed a collection account.and experian will not update to reflect as they did with the last one I did. 

The collection agency sent the removal and Experian only updates the balance. This is discrimination and unfair treatment as they are now charging for services they have a vested interest in ruining peoples credit so they can have you pay for their updates quicker. 

Agencies like this need to be closely examined.
Product: Money transfer, virtual currency, or money service

On XXXX, I was aware that there was an unauthorized transaction on my checking account with Citibank. It was a {$5800.00} on-line outgoing wire transfer processed on XXXX. I reported this fraudulent transaction immediately to Citibanks customer service and fraud department I explained to the bank that it was a fraudulent transaction, as : 1. I never added the beneficiary ( XXXX XXXX ) to the payee list of my account, and I didnt know him at all. 
2. I never provide any information required to the bank to verify this on-line wire transfer.

3. During the past 10 years, I have only conducted 3 wire transfers ( not including this fraudulent one ) on this account. And I always went to the branch in person to conduct the wire transfer transactions with my personal ID After I reported this case, the bank gave me a case number and indicated that they would respond to me. Unfortunately, I have never received any response. I have called the bank many times and the answer was that the case was still pending. On XXXX, I contacted the fraud department again and I was told that my request of refund was denied. I asked the bank to send me a written response with the reasons of the denial, and until as of today, I have never received any written communication through mail or email from Citibank.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act Self Visa Credit Card Ending in : XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Vehicle loan or lease

In XX/XX/XXXX I lost my job unexpectedly and could not make my payments so I ended up getting 6 months behind and I spoke with Chrysler about the issue was able to make a large payment to catch up the behind payments costing {$2700.00} in XX/XX/XXXX. I was able to make my XX/XX/XXXX payment at almost the double amount of {$770.00}, my payments are normally {$390.00}. I missed XX/XX/XXXX and XX/XX/XXXX and again I called Chrysler and made arrangements to pay weekly the amount of {$390.00} to make up any missed payments. It is now XX/XX/XXXX and I have not missed another payment and all payments have been made on time since XX/XX/XXXX but on my credit the loan is listed as " charged off ''. I have contacted Chrysler about this numerous times and no change, I have even contacted Chrysler executives to correct this. The car was never repossessed and I still have it and I am making the payments still. I didn't know it was charged off until I went to trade it in on another vehicle and the dealership wouldn't take it because it was a charge off. I can't get Chrysler to change the status to " paying as agreed, was a charge off '' or " redeemed repo ''.
Product: Debt collection

I had this collections account come on my record : WAKEFIELD & ASSOCIATES Original creditor : XXXX XXXX XXXX XXXX {$2000.00} Balance updated XX/XX/2021 Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/2021 Account type Collection Paid off : 0 % Balance on XX/XX/2021 Original balance {$2000.00} {$1600.00} Payment Info Original balance {$1600.00} Balance {$2000.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/2021 Additional info Comments- Your statements- Contact XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX I HAVE PERFECT CREDIT with EXCEPTIONAL NEVER LATE PAYMENT History. I was the victim of identity theft. This is not my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted XXXX separate disputes with XXXX and XXXX Disputes with Equifax regarding a collection account they have let remain on my Credit Report, even though I have asked the companies listed below for a XXXX XXXX XXXX XXXX' by me, Per the F.C.R.A.. XXXX XXXX XXXX XXXX has had XXXX different occasions to produce such documentation if they had any, I have yet to receive and such contract, which is required to " MEET FCRA STANDARDS ''! I have provided proof of this account being removed/deleted from my XXXX Report. If XXXX could not verify this account per the F.C.R.A, How are XXXX and Equifax doing so? Equifax took this account out of collections and simply tried to close the account, hoping that i would not notice, I contacted them over the telephone as well and I got disconnected on XXXX times, and when I finally got someone on the line, they refused to help me. 

XXXX XXXX XXXX  - which I have an active credit card with, XXXX XXXX XXXX - XXXX letters, Equifax - XXXX letters, XXXX - XXXX Letters XXXX - XXXX Letters
Product: Credit reporting or other personal consumer reports

I would like to remind you of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Miller v . 

Equifax Information Services LLC ( XXXX ]. These consumers won their case against the bureaus due to not conducting a reasonable investigation of the dispute of the consumer and instead just took the debt collectors word. have faith that your establishment will do the right thing and truly investigate the matter and if you do not have proof the debt is valid then DELETE the information. 

Negative Accounts 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Portfolio Recovery  has not sent me proof of my obligation of this alleged debt as requested, and continues to report these  XXXX  trade lines to the  XXXX  major credit bureaus. This is creating major issues for me, as this is causing high interest rates, application rejections and a lowere d credit score.  I disputed these  XXXX  accounts on  XXXX   XXXX  of this year through  XXXX ,  XXXX  and   XXXX   to no avail. To date , Portfolio Recovery ha s continued to ignore my requests for validation and ignore my consumer rights. I believe that this account does not belong to me. I requested documents from their files used to verify this account. Under the Fair Credit Reporting Act , 15 U.S.C. 1681g  I have the right to demand that they disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the accounts that they are reporting in my credit report. All unverified accounts must be promptly deleted. Who verified these accounts? What documents did they use to verify? Where are these documents used to verify these accounts? I have not received any verification for these accounts. This company is in violation for continuing to verify the accounts with the credit bureaus without providing the evidence as requested. I believe th at Po  rtfolio Recovery can not tie me to this account, otherwise, it would have been provided with my initial request. Portfolio Recovery is  blatantly disregarding the law and consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit files from Equifax, XXXX  and XXXX  to check for any wrong information. I saw that they are reporting a account that I am not responsible for and should not be on my credit files. The company they are reporting is called XXXX XXXX. This company should not be on my credit files as a collection, I have reached out to all three major credit bureaus to have the issue resolved and the negative account removed from my credit files. As of today this account is still showing on my files and caused my scores to drop.
Product: Debt collection

I was not aware of the debt and it does not belong to me.I was not provided a contract with American Collections of the debt as requested. I have ask for many times for the information of the contract I have with them. I never signed one. 
American Collections has been in violation of code 15 U.S. Code 1681i - Procedure in case of disputed accuracy.

I have a right to privacy and never been verified accordingly with a contract. Please have this medical items deleted for the XXXX medical account from all the credit beauru for being inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found a company called GLA Collections on my credit report around the first of XX/XX/2022. It was for the amount of {$1000.00}. It was medical in nature. I never received any previous bills for this amount, nor any mail correspondence from this company. I first checked with my hospital and they do not have any record of a missed bill for this amount. I called GLA and they sent me a generic computerized " bill '' for the amount they say I owe. I sent back a letter from the Fair Credit Reporting Act asking GLA to send me an itemized bill from the original creditor, with my signature, and for the services rendered. I sent this letter certified mail on XX/XX/2022. GLA 's response was a duplicate generic computerized bill with only their name and the amount owed. I have had a credit repair agency working to help dispute this collections, but now a year later, GLA has still not removed it from my credit report. This is the only blemish on my credit report and is keeping me from getting needed financing for a new business.
Product: Checking or savings account

I have been waiting three days now for my paycheck to come through. Capital One has held my paycheck and I have not received the funds. My family is paycheck to paycheck and this is not right. I have been placed on holds and hung up on multiple times. Still no communication on when funds will be received heading into the weekend and a holiday the Monday. I need for them to make this right.
Product: Debt collection

My XXXX savings account was froze without me getting details of what caused this. This account contains social security payments. I was told they could they could seize them anyway.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Georgia, XXXX XX/XX/2023 I am writing to inform you that there is 100 % improper use of the credit report. Attached to the XXXX! XXXX, XXXX, and EXPERIAN HAVE 1000 % VIOLATED THE FCRA, AND IM XXXX XXXXXXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, Birth certificate, driver 's license, and bank statement. 
This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, XXXX, and EXPERIAN credit report isn't accurate AND ITS XXXX  XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, XXXX, and EXPERIAN {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, XXXX, XXXX, and EXPERIAN, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. 
IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : EXPERIAN, XXXX, and 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 : Also, States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions!!

DELETE THIS ACCOUNT IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER VIOLATION!!!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Georgia, XXXX XX/XX/2023 TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP.

15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! 
Account Name-XXXX XXXX XXXX XXXX XXXX- Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : Also, States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions!!

DELETE THIS ACCOUNT IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER VIOLATION!!!!
Product: Checking or savings account

Filed taxes on XXXX XXXX IRS sent Verify Identity letter XXXX, XXXX Finally able to get someone on phone to verify XX/XX/2022 When I verifief my identity I explained I have been a victim of identity theft and that I needed to change my information because i no longer had access to the account that my refund was being sent to. 
They let me change from a chaecking account to mailing me a paper check however when i went on the online portal to check the status of my refund it said it was going to be credited to my account on XXXX XXXX. 
I already told them I could no longer access that account but they sent it to that routing and account number. 
I have contacted Cashapp where it was sent to, uploaded all the documents they have asked for, started an investigation on my missing tax refund, spent 15 plus hours on the phone with cash app, just to be told over and over again that i needed to wait 3-5 more days to start an investigation, then that i needed to wait for them to respond to me only by email and have to wait day after day to be updated, just to be told every single time that im not verifying myself and that they cant help me with my claim. 
I have the account and routing number that the money was sent to. Even though i asked cash app to close that account, they did not. i have given them everything they have asked for and explained to them with the XXXX XXXX XXXX that i have and the identtity theft over the last two years that they are not trying to help me at all and using my XXXX to withhold and keep my money from me. i have been callin cash app since the XXXX of XXXX and here it is almost a month later ( in ( in 9 days ) that i havent been able to get any resolution on. The law states that they have to make my money available within 10 days of me starting an investigation and no matter how many times i tell them that and give them all the info they ask for I have nothing, no way to accdess my money, and now am living in my car because cashapp wont let me access the account that was supposed to closed, and becfause the irs did not do what i asked them to do when i verified my identity. I need some help Acct # XXXX Routing # XXXX Thank you
Product: Credit reporting or other personal consumer reports

Due to the XXXX data breach, I have been affected and I have inaccuracies in my report. I file an FTC report look at the attachment.
Product: Credit reporting or other personal consumer reports

The Credit Bureaus stated my accounts XXXX XXXX XXXX as well as XXXX XXXX were properly investigated and verified but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. According to 15 USC 1681i ( 5 ) ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; YET I was not provided with these documents. 
The companies for which I am filing this complain are all in violation of the law ; 15 USC 1681 section 602 A. Which states I have the right to privacy. 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other such as : In accordance with the written instructions of the consumer to whom it relates. These agencies need my written consent to add anything to your consumer report if I did not give this authorization ( for the clarity of this complaint I have provided no such consent ) that is a violation of the Fair Credit Reporting Act In addition the law 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports states : Except as authorized under subsection ( b ), 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 XXXX years. To remedy these violations I will be invoking the law ; 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than { {$100.00} } and not more than { {$1000.00} } ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or { {$1000.00} }, whichever is greater ; For the purposes of this complain I am demanding a retribution of { {$1000.00} } per violation found on my credit report These accounts were disputed and came back verified XX/XX/year> as well as XX/XX/year>, I also sent letters XXXX XXXX report numbers : XXXX, XXXX.