23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The law firm XXXX XXXX XXXX XXXX XXXX has been assigned a debt for collection by Capital One which represents the merchant 's ongoing efforts to help the State of Florida to retaliate against me for calling attention to the federally institutionalized denial of due process for groups protected under Federal Fair Housing Laws, embodied by HUD through the absence of any provision for HUD rules to be adjudicated in Federal Court or for county judges to be required to recuse from any landlord-tenant disputes involving HUD rules within any municipalities wherein HUD Programs are not fully privatized, because of the automatic financial ties county judges have to any landlords participating in HUD Programs within those municipalities -- especially given that county judges are not actually qualified or even authorized to rule on Federal issues. Note in the attached Complaints that Capital One refused to even forward my XXXX XXXX dispute from last year to the merchant, subsequent to failing to uphold my dispute against the XXXX XXXX XXXX a few months prior, wherein I had detailed my efforts to address the aforementioned federally institutionalized denial of due process for groups protected under Federal Fair Housing Laws, instigated at the insistence of the authorities in the XXXX portion of the country -- on behalf of XXXX-based businesses, such as Capital One -- that Democracy must never amount to anything more than a subterfuge necessary to extend the influence of XXXX XXXX.
Product: Mortgage

US BANK has made multiple claims of rates available, to no closing costs, to other agents saying NO such thing as NO Closing Costs, Refused to speak about an online US Bank account where a new customer like me gets {$200.00} for opening account with {$500.00} or more and free checking!!? When in branch, The MANAGER refused to speak of it until I opened my laptop and pointed to it! Then said did n't know about it!! But then asked me XXXX XXXX? How do you know about Promo Code if not familiar with offer? Bank has Lied and is Baiting & switching and not giving direct honest answers, Another XXXX XXXX lender. I 'm XXXX and feel discriminated against since there trying to take advantage by not telling me all the bank deals, offers as they offer others not XXXX. Discrimination
Product: Vehicle loan or lease

On XXXX XXXX XXXX I mailed RBFCU payment fulfilling the pay-off amount for my vehicle I refinanced through them. I accepted the pay-off slip they provided me with and used this as a negotiable instrument. I included instructions with my payment instructing XXXX XXXX to apply Principal balance to account # XXXX for set-off and requesting that my title be mailed to me. RBFCU failed to do so and responded with an anonymous letter on XX/XX/ stating We are unable to process the payoff you indicated. 

On XX/XX/, I wrote RBFCU a letter asking them to explain why they would be exempt from the following obligations outlined in the Federal Credit Union Act : ( from the Federal Credit Union Act ) 1795f. Powers of Board ( b ) Collection and settlement of checks, share drafts, etc. ; charges ; rules and regulations ( 1 ), Federal Regulations XXXX XXXX XXXX  A Part XXXX Accounts evidenced by negotiable instruments, Title XXXX XXXX XXXX  Part 1 1.100 Indirect general obligations, or 1.120 Prerefunded or escrowed bonds and obligations secured by Type I securities I also informed them that I was well within in my rights pursuant the Federal Credit Union Act 8 ( A ) Rights of parties to Contracts ( iii ), which makes it clear that I am not prohibited from offset, as was requested in the original instructions. 

I also requested validation of the debt and accounting. RBFCU still has not responded to my letter, or accepted my payment. I am claiming there is a breach of contract based on the above codes Ive included from the Federal Credit Union Act. I have enclosed a copy of my original instructions, my Second Notice and Oppportunity to Cure, and RBFCUs correspondence.
Product: Checking or savings account

Marcus by Goldman Sachs was offering a promotion where the terms were to open an account by XX/XX/2019, deposit {$10000.00} XXXX or more of new funds into the account within 10 days of enrollment, maintain these funds for 90 days, the account holder will receive {$100.00} bonus. I fulfilled these terms ; I opened my account on XX/XX/2019, immediately transferred {$10000.00}, kept the funds in there for 90+ days. 

I called into their customer service department to follow-up on my bonus and after multiple discussions, they noted that on their system, it did not show that I clicked on the offer link. Because of this and despite me fulfilling the offer terms, they could not grant me the account bonus. I am very confident that I clicked on the offer link as I even saved the webpage as future reference. Marcus is not fulfilling their end of the advertised promotion.
Product: Mortgage

i am a   XXXX   XXXX   doing a refinance for a client and she currently has  XXXX  mortgages. i have proof that her  2nd  mortgage that is a line of credit was never paid more than 30 days late,  yet Ditech is w illing to verbally admit they posted incorrecty but will not put this in writing therefore preventing me from closing this loan. I have a recorded line from the   XXXX   XXXX   company that i work with the states no  30-60-90 days late, but the history must match from Ditech . They stated they would fax a letter stating the month in dispute was not late however this letter has not arrived, need help.
Product: Mortgage

During a lengthy conversation discussing the prior CFPB complaint and rectification, I was told that all late fees accrued that were previously not required to be paid until end of loan are now due because they were not rolled into the fixed rate. 

There should be no change to loan terms other than fixed rate amount due determined by loan length. 
While I did make several phone calls to the customer service number and had It previously confirmed, as recently as today XXXX - XXXX advised otherwise today. Branch manager XXXX said it should be ok to pay at end of loan as was always the case, but he was not sure. Customer service agents on phone told me ok to pay at end of loan. 

I did not agree nor was I asked or informed prior to conversion that all accrued late fees would becom due as a stipulation of conversion. 

Please confirm that as always, if we choose to pay late fees at loan end, we will not be penalized in any way on our credit report. Satisfying the minimum payment due within the 30 day period each month is what is required to keep the loan current and in good standing. 


Secondly, an additional amount was found to be payable to us, please clarify where the additional funds you offered were found because of our phone call. 
I do not feel a complete and accurate assessment is being performed.
Product: Credit reporting, credit repair services, or other personal consumer reports

A bankruptcy discharge was added to my credit report and the following was not sent to be before being put on my credit report Under the FCRA, your creditor and any other information supplier : must not report to a CRA any information about you that it knows -- has reasonable cause to know -- is inaccurate has a duty to promptly update and correct any inaccurate information that it previously supplied to the CRA must tell you about any negative credit information it reports to a CRA within 30 days must notify the CRA when you voluntarily close an account with it, and must maintain a reasonable procedure to respond to identity theft notices by a CRA, and refrain from reporting information about an account that you previously reported was the result of identity theft.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX - I hereby dispute the validity of the alleged debt listed below Entirely. I also request verification of the alleged debt, specifically, a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. I am requesting this because I have had different companies reach out to me about this same alleged debt. I am requesting Immediate deletion of all prior reporting made to any consumer reporting agencies, XXXX, Equifax, XXXX and XXXX. You must Cease and Collection efforts until this alleged debt is validated. You must show proof that you legally own this alleged debt and that it is accurate and complete. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a computer from Conns for XXXX dollars I canceled the furniture & never received it Conns was also charging me for life insurance That I never agreed to when I went into the store to speak with the Manager as to why he did not update my account he told me to get out of his store when I called Corporate multiple times to have them rectify the situation I believe this company has fraudulent business practices Please help me settle this matter I never owed Conns XXXX That would of been the total if I would of not of canceled the furniture Thank You XXXX XXXX
Product: Credit card or prepaid card

XX/XX/22 My card was stolen ; I still do not know how, but when I went to use my wallet the next day I noticed that my card was missing. It was used for many charges that I disputed as fraud as soon as I found out. Discover removed them from my bill and placed them back on my bill today XX/XX/22 without any further information.
Product: Mortgage

Quicken Loan placed a lien on a lot personally owed in full by us. We had applied and were approved for a VA refinance loan in 2012. prior to that in XXXX 2012, we had changed our property lines and that was approved by the XXXX XXXX county board and filed. When Quicken was working on the loan they received the new approved survey and the new Parcel numbers for each lot, they XXXX attached to the home address and the one owned by us. They chose to place a lien against both my lot and the one that was the home lot. I did not find out about this until they paid my taxes on the lot that was mine. They now state that thier Title search company ( owned by Quicken ) did everything correctly. However, the XXXX XXXX title people state that is not true. I have all info in a form that I can send, this has been reviewed by the WI state banking examiner who are not able to resolve this due to a lack of legal personal. The bottom line here is I was forced to take a second remortgage in order to gain my own property back from Quicken. While Quicken covered most of their cost, they refuse to repay me for the cost of the VA funding fees. We could use some help with this. 
thank you XXXX XXXX
Product: Debt collection

I am formally complaining against XXXX  Account # XXXX, a third-party debt collector, for violating the Fair Debt Collection Practices Act ( FDCPA ) and to seek monetary relief for the distress and financial harm caused by their actions. 

Complaint Details : * Debt Collector : XXXX * Account Number : XXXX Nature of Complaint : 1. Lack of Written Notification : XXXX Account # XXXX did not notify me in writing about the alleged debt before placing it on my credit report. This is a direct violation of the FDCPA, which requires debt collectors to provide written notice of the debt and an opportunity to dispute it before taking adverse action.

2. No Contract or Business Relationship : I have never engaged in any business with XXXX Account # XXXX and have no contractual agreement with them. Their claim is unfounded and unauthorized. 

3. Inaccurate Reporting : The account information reported by XXXX Account # XXXX is inaccurate and incomplete. The balance listed on my credit report does not match any previous obligations, and the presence of " payment terms of 1 month '' is misleading and incorrect for a collection account. 

4. Unauthorized Credit Report Entry : XXXX Account # XXXX added this account to my credit report without my consent, violating my right to privacy. They have failed to provide any evidence of my consent or their right to report this debt. 

Impact : The actions of XXXX Account # XXXX have significantly harmed my credit score, caused undue stress, and potentially affected my ability to obtain credit, housing, and employment. Their failure to comply with the FDCPA has also caused emotional distress and financial instability.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit reports and discovered 6 Fraudelunt accounts, on my credit reportsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX CHARGE ACCOUNT High Balance {$430.00} >Sold ; was Charged-off< Closed XX/XX/XXXX PURCHASED BY ANOTHER LENDER ; UNPAID BALANCE CHARGED OFF 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX Account Number:XXXX Account name : XXXX XXXX Account NumbeXXXX* Account name : XXXX XXXX Account NumberXXXX Account name : XXXX XXXX Account Number:XXXX  has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 seven years.
Product: Mortgage

My wife and I applied for a mortgage of {$540000.00} with third federal savings and loan located in plantation, fl. We were denied a loan they said due to lack of income and a short sale on my wifes record from 2010. 
XXXX. Our combined income is {$160000.00}. Our liquid assets which include bank accounts, retirement accounts, and stocks total around {$150000.00}. 
XXXX. Prior to our marriage, my wife had a short sale that closed in 2010, and that is currently not on any of her credit reports. We asked the underwriter where they got the information from, and they didnt respond. 
We believe that we were discriminated against by third federal, because we have more than enough income, our debt to income ratio is great, and the short sale was over 11 years ago. 
Please investigate, and fix this situation.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$0.00} Medical XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit and I noticed my reports for  XXXX , Equifax and   XXXX   contained inquiries from companies to which I did not grant permissible purpose to pull my report for any reason. I have no idea how they could have gained access to my information without my consent but it is damaging to my credit and I want them removed. They are as follows :   XXXX   XXXX   XXXX   XXXX   XXXX     XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX  EQUIFAX  XXXX -  XX/XX/XXXX  Equifax : EQUIFAX   XXXX   XXXX  - XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX   XXXX  : EQUIFAX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX  I also t hin k that it is strange that the multiple pulls from Equifax and   XXXX   XXXX   were  placed on several different dates.
Product: Mortgage

I have Nationstar DBA Mr. Cooper as my mortgage company. On XX/XX/2021 while reviewing my bank account I noted 2 reversals of payments from them. I contacted them and was advised that they use a 3rd party vender to take out automatic payments and that the vender had taken out unauthorized payments and that this was a refund for them. I asked if they were going to be taken out again as I was going to use the money for other things. I was advised that they would not be requesting the reversals back. On XX/XX/2021 in the evening, I checked my bank account again and found that they had again taken out 2 unauthorized payments. I again contacted Mr. Cooper and was told that they are working on the problem but the payments were unauthorized and should not have came out of my account.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) 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 shalli ) 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; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : EXPERIANXXXX 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 XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was sued by XXXX XXXX XXXX. They submitted a robosigned affidavit. The same affidavit that you took action against in case File No. XXXX. The affidavit they sent to the courts is verbatim of the affidavits listed in the above case File of 2015 on page 13 paragraph b. and 14 paragraph c. They have spurned your discipline and are continuing in using these affidavits. I will be glad to send to you what they filed. The judge ruled against me based on thus affidavit alone! This is misleading and deceptive.

Also I tried entering the last four of my SSN, but couldn't so here it is XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX NJ XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) [ CFPB Address or Online Submission Portal ] Subject : Second Complaint Regarding Inaccurate Reporting of Disputed Accounts Dear CFPB, This is my second formal complaint regarding the failure of XXXX, XXXX, and TransUnion to remove two disputed accounts from my credit reports. Despite four previous dispute letters and the submission of evidence, these inaccuracies remain unresolved. Both XXXX XXXX and XXXX XXXX continue to be reported inaccurately, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Below are the details of the disputed accounts : XXXX XXXX ( Account ending in XXXX ) : Issue : Reported balance of {$8500.00} from an account fraudulently opened in XXXX without my authorization.No signed application or supporting documentation has been provided to verify this account 's legitimacy. The absence of Form 1099-C further invalidates this account as charged-off. 
XXXX XXXX ( Account ending in XXXX ) : Issue : Reported as " charged-off '' following improper legal action initiated in an incorrect jurisdiction. XX/XX/XXXX XX/XX/XXXXviolated the Fair Debt Collection Practices Act ( FDCPA ), and their settlement offers further confirm procedural mishandling. 
The absence of Form 1099-C also invalidates this account as charged-off. 
Recent findings by the CFPB highlight significant concerns regarding XXXX and XXXX 's failure to conduct proper investigations. According to a CFPB lawsuit, these companies have engaged in sham investigations, violating consumer protection laws by failing to meet their obligations under the FCRA. 

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus are required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. The continued presence of these disputed accounts on my credit reports constitutes a violation of these federal statutes. 

Requested Resolution : Investigate and hold XXXX, XXXX, and TransUnion accountable for failing to comply with FCRA requirements. Enforce the removal of the disputed XXXX XXXX and XXXX XXXX accounts from all three credit bureaus. 
Provide a formal response outlining the steps taken to address these violations. 
I am attaching the fourth dispute letter sent to the credit bureaus, which details my efforts to resolve these inaccuracies. I respectfully request your assistance in ensuring compliance with federal law and protecting my consumer rights. 

Thank you for your attention to this matter. Please contact me at XXXX or XXXX should you require further information or documentation. 

Sincerely, XXXX XXXX XXXX