23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This letter is a formal request regarding the student loan debt ( s ) that you have reported on my consumer credit report. Please be advised that this is NOT a refusal to pay but a request sent pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ). I am disputing the validity of the alleged debt ( s ), and I am requesting proper validation. 

This is NOT a request for mere verification of my mailing address or other peripheral information, but a formal demand for competent evidence that establishes my legal obligation to pay this debt and the right of your office to report it to consumer reporting agencies. 

Specifically, I request the following : Account Name : XXXX XXXX Account Numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Account Name : XXXX XXXX XXXX Account Numbers : XXXX, XXXX, XXXX Account Name : XXXX XXXX Account Numbers : XXXX XXXX XXXX 1. Proof of Debt : I respectfully demand that you provide a copy of the original wet-ink promissory note or other documents that serve as the foundation of the alleged debt ( s ) you claim I owe. The absence of such documentation violates my rights under the FCRA, FDCPA, and any applicable state laws. You must provide evidence proving your legal authority to report this debt.

2. Failure to Provide Proof : Should you be unable to furnish the original promissory note or other valid documentation within 30 days from receipt of this letter, I request that you immediately cease reporting this account to any and all consumer credit reporting agencies and remove it from my credit file. The continued reporting of unsubstantiated debts is a violation of the FCRA and may also constitute fraud. If no response is received within the 30-day window, I will pursue all available legal actions to ensure compliance.

3. Correction of Consumer Report : If your office decides to remove the accounts from my report, I request written confirmation of this removal, along with written verification from the credit bureaus that the accounts have been deleted.
Product: Debt collection

Since XXXX of 2019, Midland Credit has been calling me repeatedly on my home/work phone ( I work from home ), interrupting conference calls, calling before XXXX XXXX   EST, and even after XXXX XXXX  EST. These calls range from every hour to every XXXX minutes, 7 days per week. Occasionally I take the call and encounter a foreign person with a poor connection, it is difficult for me to understand the accent, or to hear beyond the poor connection. I tried a few times to propose a settlement, and they will not work with me but they continue to call several times a day, seven days per week.
Product: Mortgage

I presently have a mortgage with Primary Residential Mortgage Inc. Account # XXXX I have recently received a cancellation notice for my homeowners insurance for non-payment, which is Primary Residential Mortgage Inc XXXX responsibility seeing I pay money into Escrow every month for taxes and insurance. 
When trying to contact anyone I have been on hold twice for over XXXX hours each time. I contacted the lending office and finally received a call back about my issue but I was working and unable to take the call. The person said that I needed to return their call and gave me the same number that I was on hold with before and never gave me an extension to connect to. 
XXXX is my insurance carrier and policy number is XXXX, I have been with this company since 2017.
Product: Mortgage

I am a victim of misleading and predatory incompetence by the servicer of my mortgage loan, Carrington Mortgage Servicing. I have NEVER missed a payment over the last 10 years on my property. For some reason in XXXX when I mailed in my payment, the check was not cashed. I mailed in XXXX and the same thing happened. I was proactive and called to find out what was the matter. No one knew for sure, but they guessed it was because the address changed and I mailed it to the old address? I STILL DO N'T KNOW FOR SURE. 

I continued to follow up to solve this problem with Carrington and I was told that I need to send in a cashier 's check for {$3500.00} in order to reinstate the loan and put me back in good standing. I did this, but after Carrington received this THEY SENT IT BACK???? And now they are putting me in foreclosure??? What kind of scam is this company running? I have always made my payments, I have the money to make the payments, Carrington tells me how much I owe them, I send it in, then they send it back and file foreclosure paperwork against me. This is definitely NOT OKAY. 

I have tried repeatedly to get this situation resolved, I have tried to speak to a supervisor but I have not made any progress. I am stuck in a bureaucratic hamster wheel ; no matter how many times I call to fix this I can never get a straight answer or talk to anyone who can actually fix the problem. 

I need this problem resolved. I bought this home in 2006 for my children to live in ; it is currently occupied by my grandson and his son. I would like to add that I am a veteran of the United States XXXX. I served XXXX years, I worked for a government XXXX. I do volunteer work to help out with our XXXX and the XXXX XXXX. I have been an upstanding citizen and always paid my bills on time. I simply ca n't believe that due to the incompetence and misleading and predatory actions of the agents at Carrington Mortgage Services I have a house that is in foreclosure.
Product: Debt collection

I am a single father and I attempted to finance a home for me and my family and I could not because of my credit. That inspired me to check my credit report and I saw a fraudulent item i did not authorize. 

Account # : XXXX XXXX XXXX XXXX XXXX-XXXX Credit Amount : {$330.00}
Product: Mortgage

We recently filed a complaint with our mortgage company and how they were overcharging us for escrow. They submitted their response and are changing the payment. However, we believe the payment should have been adjusted back in XXXX ( XXXX XXXX ) when the new Homeowner 's policy went into effect. As such, they partially overcharged us for XXXX and fully overcharged in XXXX. Again, I tried to contact them before the XXXX payment was due to no avail ( being on hold on two separate occasions for over 45 minutes ). As such, we paid the old payment of XXXX in XXXX and XXXX. XXXX mortgage should have been XXXX versus the XXXX we paid. As that difference did not go towards principal, and we are not seeing it in our escrow account, we believe they owe us the Homeowners Insurance overpayment amount ; i.e. the difference between the old payment and the new payment ; partial month of XXXX and full amount for XXXX. 

I have also reviewed our account on their website and it is still reflecting the $ XXXX amount for homeowners insurance. I am attaching for your review.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX  XXXX XXXX  XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Payday loan, title loan, personal loan, or advance loan

Lendmark Financial Services in XXXX California. 

Early on, I was misled in regards to the interest of the loan, total payments and how long it would be until paid off. I had to call and ask the manager why one of his loan officers ran my credit without my consent. This took several months to come off of my credit report. The branch manager and their loan officers have been dishonest and how the loans work, disrespectful and keep feeding me nonsense.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed with the credit beau regarding XXXX of my items on my credit report. I asked them what did they use to validate that debt was mine. There was no signatures on that debt from XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a derogatory account with Transunion on XX/XX/2021. XXXX XXXX, a debt collector, put an account into collections illegally, and I made Transunion aware of this. I made a previous complaint to Consumer Finance which was # XXXX, back on XXXX. XXXX XXXX disavowed that it was their account, and then reported to Transunion that the account was accurate. I am including the XXXX XXXX response as an attachment. When I disputed this with Transunion on XXXX, I told them that this company, XXXX XXXX was lying and had answered the Consumer Finance complaint and disavowed their account. Transunion did not send me any follow up correspondence or reach out to me again. I called Transunion today, and they told me that XXXX XXXX answered the complaint and verified that the account is accurate!!! I want Transunion to remove this account immediately. They are the ones damaging me by not doing a proper investigation.
Product: Checking or savings account

I am writing to formally dispute overdraft and insufficient fund fees that were charged to my account under circumstances that I believe were unfair and in violation of consumer protection laws. I recently became aware that the Consumer Financial Protection Bureau ( CFPB ) has taken action against Navy Federal for imposing surprise overdraft fees, where transactions that appeared to have sufficient funds at the time of purchase later resulted in overdrafts upon processing. Unfortunately, I believe I have been affected by this practice and would like to take action.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to inform you that JPMCB has unlawfully reported an unauthorized inquiry on my XXXX and XXXX consumer reports. I have not given permission for JPMCB to access my consumer report, and there is no permissible purpose by law for this inquiry. I have not initiated any transaction with JPMCB on XX/XX/XXXX. Furthermore, I do not have an new account as defined under 15 U.S.C. 1693a ( 2 ) with JPMCB for review or collection. I wrote to JPMCB on XX/XX/XXXX [ certified mail # XXXX ] to resolve this issue to no avail ( See Evidence ). I have requested the general or specific certifications pursuant to Rule 1002 required by 15 U.S.C. 1681b ( f ) ( 2 ) to establish permissible purpose on the date of XX/XX/XXXX when the inquiry was placed on my XXXX and XXXX consumer reports and they have provided no such documentation. 

Details of Violation : Dates of Unauthorized Inquiry : XX/XX/XXXX Consumer Reporting Agency : XXXX ( XXXX violation ), XXXX ( XXXX violation ) By obtaining my consumer reports on the aforementioned date without any permissible purpose, JPMCB is in violation of the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ), 15 U.S.C. 1681b ( f ) ( 2 ) ,15 U.S.C. 1681e ( a ). Therefore, JPMCB has committed 15 U.S.C. 1681q, which is tantamount to 18 U.S.C. 1028A. This statute invokes 15 U.S.C. 1681n ( a ) ( 1 ) ( B ), and I am owed remedy per violation. 

References : Case Law : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX. XXXX. XXXX ) Case Law : section 523 of the Gramm-Leach-Bliley Act ( 15 U.S.C. 6823 ) ( relating to obtaining customer information by false pretenses ) ; 15 U.S.C. 1681s-2 ( a ) ( 8 ) ( E ) 15 U.S.C. 1681i 15 U.S.C. 1681b ( f ) 15 U.S.C. 1681n ( a ) ( 1 ) ( B ) Bureau of Consumer Financial Protection Advisory Opinion : 12 CFR Part 1022, Fair Credit Reporting ; Permissible Purposes for Furnishing, Using, and Obtaining Consumer Reports. 


Statutes Violated : 15 U.S.C. 1681b ( f ) ( 2 ) 15 U.S.C. 1681e ( a ) 15 U.S.C. 1681b ( a ) 3 ( f ) ( i ) 18 U.S.C. 1028A 15 U.S.C. 1681q
Product: Debt collection

They sent me a bill saying I broke the lease. I wasnt on the lease. XXXX XXXX XXXX was.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report from Equifax on XX/XX/year>. I noticed some hard inquiries that did not permissible purpose. I have also attached evidence. 
This inquiries have no permissible purpose to be on my report. Delete this inquiry due to 15 USC 1681b. 
XX/XX/year>XXXX XXXX XXXX This inquiries have no permissible purpose to be on my report. Delete this inquirie due to 15 USC 1681b. 
XX/XX/year> XXXX XXXX XXXX XXXX This inquiries have no permissible purpose to be on my report. Delete this inquirie due to 15 USC 1681b. 
XX/XX/year> XXXX XXXX XXXX This inquiries have no permissible purpose to be on my report. Delete this inquirie due to 15 USC 1681b. 
XX/XX/year> XXXX XXXX XXXX XXXX This inquiries have no permissible purpose to be on my report. Delete this inquirie due to 15 USC 1681b. 
XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXXThis inquiries have no permissible purpose to be on my report. Delete this inquirie due to 15 USC 1681b.
Product: Credit card

I want to share my recent experience applying for a United Airlines credit card through Chase Consumer. Last week, I applied for the card after seeing an offer on the UA website that claimed I was pre-approved for the card and it would save me {$300.00} on a ticket. I reluctantly applied as I did not need the card, but the {$300.00} credit would have been helpful for my daughter 's flight from XXXX, as my mother had passed away. 

Unfortunately, I did not receive an immediate answer after applying, so we had to purchase my daughter 's flight with another airline. Later, I received a letter from Chase stating that they suspected my information had been compromised and asked me to contact them if I had applied for a card. 

I was aware that my credit score would be affected by the application, but I would not have applied if it hadn't been for the pre-approval offer. Now, my credit score has dropped significantly, and the only communication I received was the above letter.

I reached out to Chase, and they mentioned that the approval process is usually instant but can sometimes take longer. They apologized for my situation but said they would make sure that my " voice was heard '' but that there was nothing they could do. 

I believe it's unfair for a credit card company to claim pre-approval and then not follow through with it. This has put me in a difficult situation, especially considering the loss of my mother and the financial burden of my daughter 's flight. I expressed my disappointment to Chase, but it seems like there is nothing more that can be done. 

I would like to say that the people who I worked with in customer support were very nice, and they tried to help as they could. But, when your hands are tied, there isn't much that you can do.
Product: Debt collection

I received a letter from XXXX, dated XXXX XXXX, 2016, attempting to collect a debt from a short term loan company named Green Trust Cash. Green Trust Cash appears to be either owned or associated with an online lender by the name of the XXXX XXXX XXXX ( XXXX ). Both entities appear to be managed by XXXX : Green Trust Cash references XXXX XXXX Tribal Complaint Hotline ; XXXX XXXX lending references the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to XXXX, the loan in question was made to a person unknown to me, named XXXX XXXX, who used my credit details to obtain the loan. I am not sure if XXXX XXXX are under the authority of the FTC since they are legally considered sovereign nations. But if they are I would like to report an improper loan process. Had either of the original loan makers or the debt collector bothered to inquire with any of the credit reporting agencies, they would have discovered I have a credit freeze on all of my accounts, which requires that lenders check with the major credit reporting agencies as well as to directly speak to me before approving a loan. I received no such call from the lender and the credit reporting agencies say that no such inquiry was made.
Product: Debt collection

I want it to be noted that I dispute any responsibility for this debt, and I do not owe this. The fluctuating statements, as well verification that does not match up with amount owed show the inconsistencies associated with this account. 

The debt was previously with XXXX., and discharged after they sent me verification that did not match up with the amount owed. I received notice from them that they will not pursue this debt any longer. That is when it ended up with FCSI, Inc. 

I have been having to deal with a debt that I have disputed. It keeps going to new collection agencies once a previous collection agency has stopped dealing with it after verification fails. I recently documents that supposedly verify the debt with FCSI, however, not a single XXXX of the statements even matches the amount which Franklin is attempting to collect from me. 

Franklin says the debt of {$190.00} was incurred XXXX/XXXX/15, as evidenced by the letter I included, but both statements from around that date both show different amounts that do not match this. 

I have included the XXXX statements for XXXX XXXX, 2015 and XXXX XXXX, 2015, which are the closest to the date I am alleged to have accrued the balance of {$190.00}. I have also included XXXX later statements from XXXX XXXX, 2015 and XXXX XXXX, 2015, which illustrate the way this debt has fluctuated by incredulous amounts. If this debt was valid, it does not make sense how the amounts could constantly change, and also not match the amounts which the debt collection agency has attempted to collect. I dispute this debt, as I have with previous collection agencies.
Product: Student loan

I had XXXX student loans with XXXX XXXX XXXX that were charged-off and sold to an unscrupulous debt collector ; XXXX XXXX XXXX, XXXX based in XXXX XXXX, SC. This debt buyer has illegally added over $ XXXX in interest/fees to the loan, which I don't think is legal since the loan had already been charged off by XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX has stated the loan balance to be in excess of $ XXXX while BofA charged the loans off for about $ XXXX. I believe that my original loan agreement doesn't allow for the fees/interest that they are attempting to add to the loan through their aggressive attorney, XXXX XXXX XXXX. Further, I've learned that XXXX XXXX XXXX, XXXX is operated/owned by the same individuals at XXXX and XXXX, which is who XXXX   XXXX XXXX used as their collection agency prior to selling the loan to XXXX XXXX XXXX, XXXX - a major conflict of interest.
Product: Debt collection

I saved the call, however received two calls stating I was being prosecuted for a bad check that was n't processed however, I do n't use checks and know it 's a scam but was told they were with XXXX, Mathew, & waters llc law firm. They need to resolve a matter or send it to my local authorities to serve me. <P/>Phone number XXXX
Product: Credit card

Subject : Complaint Regarding FCRA and FDCPA Violations by Capital One Bank and duplicate Reporting I am writing to file a formal complaint against Capital One Bank for multiple violations listed below of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Over the past several months, XXXX XXXX  has repeatedly re-aged multiple accounts on my credit report, which has caused significant damage to my credit score.

Details of Violations : 1. Re-aging of Accounts Capital One Bank has continuously updated the dates on several accounts, making it appear as though these debts are more recent than they actually are. This practice is in direct violation of the FCRA, which prohibits the re-aging of debts to extend the reporting period. 
1. CAPITAL ONE / XXXX ACCOUNT # : XXXX a. STATUS DATE : XXXX XXXX LAST UPDAATED DATE : XX/XX/XXXX b. CHARGE OFF EACH MONTH XX/XX/XXXX XX/XX/XXXX - XXXX  instances 2. CAPITAL ONE - ACCOUNT # XXXX a. STATUS DATE : XX/XX/XXXX LAST UPDAATED DATE : XX/XX/XXXX b. CHARGE OFF EACH MONTH XX/XX/XXXX XXXX XXXX XXXX  instances 3. CAPITAL ONE - ACCOUNT # XXXX LISTED 2 TIMES ON CREDIT FILE WITH DIFFERENT AMOUNTS on XXXX Report a. STATUS DATE : XX/XX/XXXX LAST UPDAATED DATE : XX/XX/XXXX b. CHARGE OFF EACH MONTH XX/XX/XXXX XX/XX/XXXX - XXXX instances XXXX XXXX XXXX Damage to Credit Score : Due to the repeated re-aging of these accounts, my credit score has been negatively impacted. This has resulted in higher interest rates on loans and credit cards, as well as difficulty in obtaining new credit.

3. Monthly Penalties : According to the FCRA, violations can result in penalties of up to {$1000.00} per month for each violation. Given that this has been occurring for several months per account, the total potential penalty could be {$47000.00}.

4. Continued Updates : Despite my repeated attempts to resolve this issue through my attorney with XXXX XXXX, the accounts continue to be updated monthly, further exacerbating the damage to my credit score.

Since these disputes have been ongoing through my attorney for over a year without corrections, the 30 day time frame is forfeit. 

Supporting Documentation : Attached to this complaint are copies of my credit reports that support my claims : my attorney has been diligent in trying to get responses from them, sometimes to no avail.
Product: Credit card or prepaid card

I submitted a compliant XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX against unauthorized transactions made on XX/XX/XXXX and XXXX XXXX XXXX from XXXX ( the total amount of {$6600.00} ) due to properties were stolen. 

Upon receiving phone call from Chase Executive Office, the specialist requested me to submit an invoice to prove my phone and wallet were lost and I got a new phone. I then emailed XXXX the invoice ( see attachment ). The next day the specialist called me back to inform me that I am not responsible to the unauthorized transactions and XXXXhree days later I received another official letter stating the same that unauthorized transactions will be removed from my account ( see attachment ). 

On XX/XX/XXXX, the fraud department called me to discuss another unauthorized transaction I reported against XXXX and XXXX. In the conversations, we NEVER discuss anything regarding the previous resolved case on the {$6600.00} from XXXX. However, I received another letter on XX/XX/XXXX declared that I have to pay the unauthorized charges of {$6600.00} for the reason of " You notified us that this transaction is valid. '' I NEVER NOTIFY ANYONE THAT THESE TWO TRANSACTIONS ARE VALID BECAUSE THEY ARE UNAUTHORIZED AND ASSOCIATED TO A STOLEN CREDIT CARD. This is annoying that I have to be bothered by these unauthorized transactions that should have resolved again and again. I request a higher level of supervisor to review the mistake and false statement on the letter Chase made since I do have official letter saying the transactions are removed from my accounts since the previous case closed.