23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom It May Concern, I am writing to dispute and continue contact in regards to a collections account that you have placed on my credit report. I contacted an individual in your office who went by the name of XXXX ( spelling unknown ). I informed her that I was unaware of a collection against me and that I learned of the collection account against me after pulling a credit report to obtain a mortgage pre-approval. I told her I would be happy to pay today if we could remove that account from my credit report. She informed me that you do not accept pay to delete. She also proceeded to inform me that we had talked in XXXX and I had disputed the account then. 
So here arises my questions. If it was a disputed account in XXXX, why did I not receive any further contact from you? No verification of the debt, no additional attempts to collect the debt. At this point in time I am not interested in who owes who and how much, I am strictly interested in correcting an issue on a credit report that should not be there due to your poor practices. Again, I am asking that we settle this issue in the most simple way possible which is to pay a debt that you claim I owe ( but have never verified, and I dispute ) and you correct a collection account on a credit report that should not be there because it was disputed and you failed to follow through with adequate verification of the debts. 
Please note that I never requested ceased communication in accordance with section 805 of the FTC ( 15 USC 1962d ). 
Also the validation of debts under section 809 of the FTC ( 15 USC 1692h ) paragraph ( a ) ( 1 ) states, a statement that if the consumer notifies the debt collector in writing with the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment against the consumer and a copy of such verification or judgement will be mailed to the consumer by the debt collector ; and I made the dispute over the phone and was never informed that I must write in to obtain this verification and to what address I must make that dispute. 
You also failed to notify the credit bureau of the dispute ( therefore failure to contact me based on the debt being disputed is null and void ) and I had to file that personally. That is in violation of section 807 of the FTC ( 15 USC 1692f ) paragraph ( 8 ).

Finally, section 813 of the FTC ( 15 USC 1692I ) identifies the damages that you can be held liable to for failure to furnish the adequate information and communication in regards to the collection of this debt. 
So I am asking that we settle this out of court for the amount originally due to simplify the process of the dispute, and that the incorrect collections account be removed from my credit report as required by law. If this isnt satisfactory to you we can continue with the dispute of the debts and the fact that you have failed to provide adequate communication and verification of the debt in question.
Product: Mortgage

LoanCare transferred my loan to XXXX XXXX XXXX ( XXXX ) in XXXX of XXXX. A mistake was made in regard to my account by LoanCare at that time. The issue is that prior to LoanCare passing my loan to XXXX in XXXX XXXX, LoanCare paid {$1400.00} in county taxes out of my escrow account thus sending my loan to XXXX with a negative escrow of - {$990.00}. However, my county taxes were not paid, LoanCare paid the wrong amount to the wrong account. My county taxes are {$560.00} and were paid by XXXX in XXXX XXXX ( along with a {$25.00} late penalty ) after I alerted them to the fact that my county taxes were not paid. In the meantime, I have received a notice from XXXX saying I owe {$1700.00} in escrow shortage and my mortgage is being raised by {$150.00} a month. The problem is that I do not owe this money. The escrow shortage was caused by a mistake on LoanCares part and by a complete lack of due diligence and follow-up from both LoanCare and of XXXX.
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I have sent two letters to XXXX, one letter to to LoanCare and two certified letters to both LoanCare and XXXX. The letters detailed what happened and I proved CLEAR documentation of the issue. I have also made numerous phone calls to both companies. XXXX keeps saying there is nothing they can do and " it 's my problem, '' LoanCare keeps saying they " are looking into in. '' Additionally, LoanCare has advised me on several calls that they will be calling me tomorrow but they do n't call. It is now XXXX XXXX  and this has been going on since mid-XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX *HAVE ALREADY CONTACTED THE CREDITORS AND THANKFULLY NO ACCOUNTS WERE OPENED DUE TO THESE INQUIRIES. JUST NEEDING TO GET THESE INQUIRIES REMOVED SINCE THEY WERE FRAUDULENT*
Product: Mortgage

Greetings, I am in desperate need for help. I have been attempting to do a short sale since XXXX 2015,  it would be a complete payoff for PHH Mortgage if theyd postpone the foreclosure ; it is ridiculous that theyd forego a full payoff to pursue foreclosure. I am trying my absolutely hardest to get the mortgage company to postpone the foreclosure. The mortgage company, to me, arent doing what the government says the lenders should do to provide foreclosure alternatives to homeowners. I have submitted paper work every time they ask in a timely manner multiple times over. Please help me with getting the mortgage company to postpone the foreclosure. Best regards,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX regarding XXXX late payments theyre reporting on my credit. When the Pandemic first happened and I was financially impacted, I notified them and they told me my payments were suppose to be in forbearance. They assured me that they werent reporting late payments at all because of the Natural Disaster of C19. Upon me checking my credit report the ending of last year, I seen they have reported as late payments. I have been contacting them via Mail and also over the phone. This is hindering me tremendously! Those XXXX years was very tough for me. Not only did I loose more than 50 % of my income but I lost my mother at the same time. I had to pay for her funeral expenses. I also told XXXX the same. They assured me that I wasnt going to be affected. But I am. I have improved my payment history since the world opened back up.
Product: Vehicle loan or lease

Notice to the agent is notice to the principal ; notice to the principal is notice to the agent. 





Pursuant to XXXX XXXX XXXX ( l ), the term " credit card '' was used to initiate the consumer credit transaction. I'm also the cardholder and the holder in due course. Pursuant to 15 USC 1602n, I'm the one who came in with the credit card to initiate the transaction. It is not possible to get denied what I came in with. The term adverse action never mentioned anything to do with the consumer getting denied credit. 

Because it is impossible to get denied something that I'm granting to your corporation. The right to extend credit. Pursuant to 15 USC 1602, the term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payments. Credit is my right, and I'm the one who regularly extends credit and the connection with loans, pursuant to 15 USC 1602g. I'm the original creditor, and I am well aware of my rights. I know that reporting to the consumer reporting agencies is voluntary. This is a private transaction, and this is an unfavorable situation for the consumer. No where In the term adverse action defined within the FCRA, does it mention that a natural person can be denied credit? As an original creditor, it is not lawful to be denied my right to grant credit. Furthermore, my credit was used, and I received no benefit from the use of my credit. An inquiry popped up on the consumer report, which is a receipt of a transaction. Someone got paid for my credit, and I received no benefit from it all. 

In fact, damages were done for the denial of my rights, both mentally and financially. I've been discriminated against as there are no federal laws that state a credit score can deny me my right to extend credit. I've in good faith exercised my rights. And I, a natural person, have been discriminated against pursuant to 15 USC 1691. For the damages that have been done to my mental distress and financial reputation, as I take my consumer report and life seriously, I will take this to a federal level if my request to open the accounts in which adverse action has taken place. I'm aware of my open-end credit plan and my right to contract unlimitedly without being denied. I demand your company reinvestigate this matter and abide by federal law to open up the account to which I extended credit.
Product: Mortgage

THE FACTS : 1. I defaulted on my GMAC mortgage payments XX/XX/XXXX due to job loss. 
2. Now bankrupt GMAC ( superseded by OCWEN Loan Servicing LLC later on ) issued a repayment plan. 
3. I complied with repayment plan - paid all requested amounts to GMAC through XXXX XXXX for 8 month. 
4. On XXXX XXXX, XXXX, GMAC approved my Mortgage Modification Request and set the monthly payment amount based on new loan amount that contained all the default amounts from previous months. 
5. I have been making payments every single month starting XXXX XXXX without missing a single payment and without being late till Present, all according to GMAC/OCWEN requirements. 

Now, comes XXXX XXXX, and more than 5 years after my Mortgage Modification with GMAC I am suddenly informed by OCWEN that I am past due 7 month?! 

Even assuming that GMAC/OCWEN were not calculating monthly payment correctly or having any other reconciliation errors - it is still not acceptable consumer lending practice to suddenly inform the customer about 7 months default and engage in behavior that OCWEN is engaging ( when all I did is complied with their requirements at all times for 6+ years ), namely : Start charging me late and other fees, as shown on your recent statement. 
Refusing to accept my regular payments that I have been paying for years. 

OCWEN 's Customer Service is in XXXX and I can not get any meaningful answers from there. Meanwhile OCWEN is pushing to foreclosure. So I had no other choice but to apply for additional Mortgage Modification with OCWEN ... and now am waiting for them to approve it. 

It has been a month of them supposedly " researching '' but meanwhile they are charging me late and " other '' fees and pushing for foreclosure. So far I did not get a meaningful documentation and accounting on the loan according to Section 2954 of the California Civil Code ...
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Method of Verification and Continued Dispute of Charge-Off Account XXXX XXXX XXXXXXXX To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the account # [ Account Number ]. I previously sent a dispute letter requesting the removal of this charge-off based on the 1099-C form I received, which indicates that the debt was canceled.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off.

2. The name and contact information of the person or entity that provided the verification.

3. Copies of any documents or records used in the reinvestigation process.

The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with the requested information and update my credit report accordingly. I expect a response within the 30-day period allowed by law. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX  XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Mortgage

In XX/XX/XXXX my husband was out of work and we fell behind on our mortgage. After a lot of work and time we were able to prevent our house from going into forclosure by getting a loan remodification with XXXX XXXX XXXX. This helped for a while but we were still not able to keep up so in XX/XX/XXXX we filed Chapter XXXX bankruptcy to basically keep our house. The Bankruptcy was basically only filed for the amount that we were behind, which was {$17000.00} and of course legal fees. So shortly after we filed, XXXX XXXX XXXX  sold our mortgage to Carrington Mortgage, and did not send us any statements for months and still, they do not send us any statements. The whole thing is a mess and we are told we can not get statements because we are in bankruptcy. Then 3 years later we get a letter from XXXX XXXX XXXX 's lawyers, which not even sure why they are bothering us when they don't hold the mortgage, but now they want to sell our house because we missed 6 payments from XX/XX/XXXX until XX/XX/XXXX in the amount of {$6600.00}. Except I have proof that all of those payments have been made. They are also claiming that XXXX XXXX XXXX  who at the time was Co- Debtor should be responsible for the {$17000.00}, except for he is deceased and has been since XX/XX/XXXX and was removed from the home and the loan back in XX/XX/XXXX, way before we filed bankruptcy So here is my concern, what gives them the right to do this to us. Cause this grief to people, cause me to spend money that I don't have because I have to get my lawyer involved!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX and XX/XX/XXXX I CONTACTED Equifax, XXXX, & XXXX in regards to 3 charges on all 3 of my credit report that needs to be removed. ( XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, & XXXX/XXXX XXXX, ). They need to be removed because ( original creditor sold my debt to a collection agency/ other company, they also wrote off my dedt on their taxes which wrote off my obligation to pay. Contract was cancelled and voided. NO CONTRACT. Also the same creditor is listed twice. The credit report agency do not make any changes or any answer to my credit reports. The company 's are still trying to collect, also entering negative on my credit report. Please help. Sincerely
Product: Checking or savings account

Someone got a hold of my debit card number and charged a few items to my debit card
Product: Student loan

Navient is my lender for private student loans and also services my DOE and federal loans. My private student loans are behind because they wo n't work with me to make them affordable. I use their website to keep my federal and DOE loans, but they have locked my account. After several calls, they wo n't issue me a temporary password to access my loans online until my private loans are resolved. Now my federal loans are behind because I ca n't access them to make a payment. Navient has also repeatedly called my parents and told them that they will be taking legal action against them even though they are not cosigners on the loan.
Product: Checking or savings account

My checking account was closed by PNC bank without my consent. After closure they never sent me a check of my remaining fund in the account and won't let me access the fund in the branch. I contacted XXXX XXXX in the retail escalation department phone number XXXX, whom said would help me follow up with the issue and whatnot. She never did, and everytime I call her it's straight to voicemail. Highly unprofessional. PNC is keeping my funds as interest free loan and I demand my fund sent to me immediately before I take legal actions.
Product: Payday loan, title loan, or personal loan

I took a loan for XXXX  in XX/XX/XXXX. I made payments of XXXX in XX/XX/XXXX andXX/XX/XXXX and paid off loan in XX/XX/XXXX for a total of XXXX
Product: Mortgage

Since XX/XX/XXXX, when I applied for a loan modification, communication with Selene Finance has been challenging. Despite their policy of a two-business-day turnaround for document acknowledgment, my attempts to engage with our designated loan officer, XXXX XXXX, have been unsuccessful. I believe my case has not been given the level of attention it deserves. Aside from the fact that Selene has NOT provided any form of email correspondence, I have to deal with different representatives for EACH CALL made, leading to careless and inconsistent recommendations and with poor, incomplete documentation of the whole call exchange
Product: Checking or savings account

I feel USAA is punishing me for a XXXX bankruptcy filed in 2019. USAA will NOT activate my bill pay feature on a NEW checking account. They say because I had a debt with them they will not activate the bill pay feature with newly established account. I tried to work with the executive offi e but they wont do anything. Their decision is punitive in nature.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect names please delete : XXXX XXXX XXXX, XXXX, XXXX, I'll never live in the following addresses it is incorrect please deleteXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX, OH XXXX XXXX OLD XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX, XXXX. I'll never work with the following Employer Please delete : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX  Delete all the unauthorized hard inquiries : 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  Please delete the following collection I'm a VICTIM of Identity theft I file the report : XXXX XXXX XX/XX/XXXX {$2700.00} XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XX/XX/XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and Social Security Number : XXXX, and Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you shall block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX  XXXX # XXXX - Opened on XXXX XXXX, XXXX {$980.00} Account Name : XXXX XXXX XXXX # XXXX - Opened on XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Opened on XX/XX/XXXX Account Name : XXXX XXXX  # XXXX Opened on XX/XX/XXXX Account Name : LEAD XXXX  # XXXX - Opened on XX/XX/XXXX {$200.00} Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX and XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I received an email from " XXXX XXXX '' ( XXXX ) on XX/XX/XXXX which stated that, " We're reaching out to confirm the outcome of your loan request ( XXXX ) submitted through a financial services website, such as XXXX or XXXX Credit Karma. '' I XXXX 'd their number, called, and gave the reference number that was in the email body. The man on the phone said that they were getting a lot of calls, because their legal department sent out a batch of letters and emails letting people know that they were denied a loan. He assured me that it was not fraud, and that I had not applied for the loan, but that it was a preapproval offer through Credit Karma, and that they were having to inform everyone that they were denied a loan that they didn't apply for. (? ) The email also states that the date of my " application '' was XX/XX/XXXX, over six months ago. 
I'm not sure if this is allowed, or if it was just a letter going out that they should've sent previously for something they are ( somehow ) legally allowed to do. 
I'm not sure if Credit Karma is at fault or XXXX XXXX, or maybe both. 
( PDF of email has been uploaded. )