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

XXXX XXXX, Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX has reported a collection amount of {$6500.00} for the past few years. I have disputed this account on several occasions asking for proof of ownership for this account or a purchase agreement with the origination date, the said amount as well as the services that were provided. I have repeatedly let it be known that this is not an account that I opened yet disputes continue to be deemed resolved with accurate information without the asked proof of any agreement/originating documents. 

XXXX XXXX XXXX, original creditor : XXXX XXXXXXXX XXXX has reported a collection amount of {$730.00} since 2021. I have disputed this account on several occasions asking for proof of ownership for this account or a purchase agreement with the origination date, the said amount as well as the services that were provided. I have disputed this account with all three credit bureaus in the past with one dispute coming back as resolved and the account was said to be removed as they were not able to confirm account ownership yet the account still is showing on my credit report. 

Radius Global Solution, original creditor : XXXX XXXX has reported {$3800.00} as a collection on my account for a little over a year. I have spoken with this company on several occasions as well as disputed accuracy for the account as I have not had XXXX XXXX  within the last 10 years. Nothing has come of the disputes and calls asking for purchase agreements and account origination proof.
Product: Debt collection

In the spring of XXXX, I began having an issue with cockroaches throughout my unit at XXXX XXXX. I had been verbally conversing with the manager in an attempt to remedy the situation. The situation became unbearable in the fall of XXXX. The cockroaches were everywhere. On XX/XX/XXXX, I sent a certified letter regarding the cockroach infestation, citing paragraphs XXXX & XXXX of the XXXX lease, requesting a remedy to the issue. Management did not provide a remedy to the issue, nor did they provide a written explanation of any delay. The only action they took was emails to me advising that they went into my unit ( twice ) & took photos & advised that they did not see any roaches. ( I have photos of the cockroaches. ) Because management failed to remedy the issue, on XX/XX/XXXX, I sent another certified letter notifying them that I was legally terminating my lease agreement due to conditions that affect my health & safety, citing Section XXXX of the Texas Property Code & Section 26.1 of the XXXX XXXX XXXX lease contract. I gave 60-day notice on XX/XX/XXXX advising that I would be moving out on XX/XX/XXXX. I moved out on XX/XX/XXXX as previously advised & turned in my keys on Monday, XX/XX/XXXX. In addition, I provided my forwarding address for a final bill to be sent. On XX/XX/XXXX, I received an e-mail from the manager of XXXX XXXX advising that the account would be sent to collections if payment was not received by XX/XX/XXXX. I responded advising that I never received a final bill. She proceeded to argue advising that it was sent XX/XX/XXXX. I never received anything from them. The manager later realized that she had not sent it. Several minutes after my response, I received an e-mail with the final bill - dated XX/XX/XXXX to appear as if she had already sent it. I followed up with a certified letter disputing the charges & advising of the charges that I was willing to pay. Upon tracking the letter via USPS.com, I discovered that the letter was never signed for. In XXXX of XXXX, I received a letter from a collections agency advising that I owed approximately {$1700.00} - despite the fact that I followed the steps outlined in my lease agreement to legally terminate the lease contract due to their failure to remedy my issue ( s ) within a reasonable time frame. Upon speaking with the collections agency, I advised that I had legal grounds to terminate the lease contract & placed the account in dispute & also sent all documentation - copies of certified letters ( including the one that was never signed for ), appropriate sections of the lease contract, photos, etc - all sent via fax with confirmation. When asked what I would be willing to pay, I advised that I would be willing to pay the final water bill if a metered statement could be provided. Approximately 45 days later, they advised that the debt was validated, despite the documentation I submitted.
Product: Credit reporting or other personal consumer reports

Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, please remove them as quickly as possible and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

FCRA 605B mandates the elimination of any erroneous entries from my credit dossier. These entries inaccurately reflect my credit history. Compensation of {$1000.00} is due for each such erroneous entry on my credit record.
Product: Bank account or service

My husband and I both had and IRA account that had matured and we wanted to roll our money into an IRA at another bank offering a better rate. We went in person and asked that the check be made out to the name of the other bank XXXX our name like we have done numerous times over the years. They said they could only make it out to us which would generate a XXXX on each. They said the receiving bank could request it sent electronically, but we would each have to pay a {$25.00} fee. The IRA/CD rates are so low that we should not have to pay to get our money. We took the check to save the fees, we will receive XXXX on each and our new bank will provide documentation we will have to provide when we pay our taxes. Is this legal?
Product: Credit reporting, credit repair services, or other personal consumer reports

As XX/XX/2020 My Insurance and Chase Bank as been paid in full on Chase Auto loan # XXXX. As of today I have been trying to refinance my current auto loan for a lower rate, but turn down 2x on XX/XX/2020 and XX/XX/2020 from my CU. Reason why, my score dropped over 100pts and open past due Chase Auto loan. I need this matter taken cared ASAP.
Product: Debt collection

XXXX XXXX continues to report derogatory information to the three major credit reporting agencies for an account that does not belong to me. I have requested that they provide the following information to validate the debt : 1- Agreement with your client that grants you the authority to collect on this alleged debt. 2- Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.

3- Any insurance claims been made by any creditor regarding this account. 4- Any Judgments obtained by any creditor regarding this account. 5- Name and address of alleged creditor. 6- Name on file of alleged debtor. 7- Alleged account number. 8- Address on file for alleged debtor. 9- Amount of alleged debt. 10- Date this alleged debt became payable. 11- Date of original charge off or delinquency. 12- Verification that this debt was assigned or sold to collector. 13- Complete accounting of alleged debt. 14- Commission for debt collector if collection efforts are successful. This agency has yet to  provide this information, yet continues to provide information the bureaus that has affected my credit rating unfavorably.
Product: Money transfer, virtual currency, or money service

Im filing a complain against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I trust this letter finds you well. I am writing to formally address concerns regarding my consumer credit report. My name is XXXX XXXX XXXX, and after recently obtaining a copy of my credit report, I discovered discrepancies that warrant your immediate attention. 

It has come to my notice that my credit report contains inaccuracies, specifically in relation to late payments associated with finance charges. As per the United States Code, Title 15, Section 1605, the computation of a finance charge for any consumer credit transaction should encompass all charges imposed directly or indirectly by the creditor. Notably, fees and amounts imposed by third-party closing agents are excluded from the definition of a finance charge unless required or retained by the creditor. 

Upon thorough review, it is evident that late payments have been erroneously reported despite the presence of a finance charge. I draw your attention to the relevant sections of the United States Code, particularly 15 U.S. Code 1605 ( a ), which clearly delineates the criteria for the inclusion and exclusion of charges in the finance charge calculation.

I hereby request the expeditious removal of all late payments associated with a finance charge from my consumer report in accordance with 15 U.S. Code 1605 ( a ). As a consumer, I am entitled to accurate and equitable reporting of my credit history, and any infringement upon this right will be addressed seriously. 

I want to emphasize that, pursuant to the law, these accounts must be promptly updated to reflect " paid as agreed. '' Failure to rectify this matter immediately may compel me to pursue monetary damages for the violation of my rights under 15 U.S. Code 1605 ( a ). I am prepared to initiate legal action in small claims court in my city and state under 15 U.S. Code 1681n civil liability. 

Furthermore, I have already lodged a complaint through various channels, including the Consumer Financial Protection Bureau, State Attorney Generals Office, Better Business Bureau, and Federal Trade Commission. I anticipate a thorough investigation into this matter. 

For your reference, the specific details in dispute on my credit report are as follows : XXXX XXXX XXXX Account Number - XXXX I kindly request your prompt attention to this matter and anticipate a swift resolution. Please furnish written confirmation of the corrections made to my credit report. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

My uncle had a little house is XXXX XXXX. The lenders kept sucking him into cash out refinance and continued to attempt to do it even after being told he had XXXX. I am a real estate broker and quickly ran comps. He was upside down during the time they were still trying to cash out refinance. The house was worth about XXXX and he owed XXXX. I cleaned up the house so he could go home to live his final days and I cleaned it out more upon his death. I live in XXXX and this involved several trips and time away from my business to do so. The bank then tried to get a default judgment on me even though I was never living in the home, never a signer on his bank account, and never on his mortgage and I lived over XXXX miles away! I had to spend thousands of dollars defending myself from this legal action. My husband and I were in the process of building a home a home here, and this would have messed up our financing! Despite a court order dismissing me from the case, the bank continues to try and collect from me. My uncle passed on XX/XX/XXXX and I 'm filing this complaint on XX/XX/XXXX. M & T Bank is a predatory lender on elderly veterans, and XXXX XXXX XXXX is unscrupulous company that is violating the debt collection laws. Also, note that I left the house cleaner than any repo I 've handled in my 17 years in the real estate industry. 

Please note : I put my personal information on this form. My uncle was the retired veteran.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can't get XXXX Credit Score from XXXX XXXX. 
I am worry about that My application of XXXX XXXX Credit card now. 
So, Would you check that Why Credit score of XXXX is N/A.

XXXX is XXXX and just fine.
Product: Mortgage

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 

Re : Mr. Cooper Home Loans To Whom it May Concern : Please accept this letter as an official complaint regarding issues I am experiencing with Mr. Cooper Home Loans. The problem is as follows : I was notified on or about XX/XX/XXXX that my loan was transferring to Mr. Cooper from my XXXX XXXX. This was in itself bad news. The transfer would occur in XX/XX/XXXX. I then received notice from XXXX XXXX  of an Escrow analysis completed in XX/XX/XXXX, as it has been for the past couple year. Ultimately, the XXXX XXXX  increased my mortgage payments from {$1600.00} to {$1800.00}. 
In XX/XX/XXXX, Mr. Cooper notified me of their intent to conduct another XXXX XXXX Upon contacting Mr. Cooper, I received conflicting information from XXXX representatives regarding their XXXX XXXX schedule. When I involved the state commissioner 's office, they contradicted XXXX XXXX XXXX claim of a fixed schedule for XXXX, stating that mortgage companies have discretion in timing escrow analyses within a XXXX period. 

A XXXX from Mr. Cooper subsequently assured me that the XXXX XXXX would be postponed to XX/XX/XXXX, maintaining the previous schedule. However, upon following up in XXXX, I was informed by another representative that the analysis could not be moved. 

I believe Mr. Cooper XXXX be engaging in unfair or deceptive practices by : XXXX. Providing inconsistent information about their XXXX XXXX policies. 

XXXX. Attempting to conduct an unnecessary escrow analysis merely XXXX months after the previous one. 

XXXX. Failing to honor the commitment made by their XXXX regarding the analysis schedule. 

XXXX XXXX  Completed XX/XX/XXXXXXXX XXXX XXXX  Completed XX/XX/XXXX. 

I request that you investigate this matter and consider appropriate action against Mr. Cooper. My primary goal is to have the XXXX XXXX  occur in XXXX as initially planned and promised. 

This situation has caused significant stress and eroded my trust in Mr. Cooper as a loan servicer. Given their recent involvement in lawsuits, I am concerned about their practices and feel I may be being taken advantage of. 

I appreciate your attention to this matter and look forward to a resolution that ensures fair treatment and adherence to proper escrow analysis procedures. 

Thank you for your anticipated assistance in this matter. Please contact me at Kindly, cc : Mr. Cooper, Consumer Financial Protection Bureau ( CFPB )
Product: Mortgage

I was told  by NACA Housing Counselling Agency to file  this complaint a gainst Ocwen Loan Servicing , LP for denial  of loan modification ( RMA ) package sent  XXXX   XXXX ,  XXXX . The initial loan modification was prepared by  Ocwen  in  XXXX  of  XXXX  with additio nal   RMA p ackages sent again in  XXXX  and  XXXX  of  XXXX .      Ocwen has refused to modify my loan that is predatory with a interest rate of nearly ( 12 ) % . I do not know if the balance is principal or interest. Last  XXXX  of  XXXX   NACA  sent  Ocwen a loan modification for an affordable monthly payment between {$500.00} to 600. They kept asking me for the same paperwork over and over   again. Come to find out after a month or so they were talking about another co-borrower on the loan who was never involved in the loan other then the origination of loan.     The loan modification was sent over several more times but was told by  Ocwen that my stepfather had to sign loan modification papers in order to get the loan modification. I informed them he had been estranged nearly ( 20 ) years. Ocwen never did anything to resolve the problem and requested I get a Quick Claim Deed re moving from the loan and off of the title.     While I was in the throws of the loan modification , Ocwen attorneys   XXXX   XXXX   XXXX  continued to schedule auction sales in  XXXX ,  XXXX  and  XXXX  of  XXXX  on my property which  shouldnt have been allowed. Because of Ocwens negligence in not complying with the National Settlement lawsuit.      A law firm did a search and found out were he lived and contacted him about the loan modification. He is elderly  XXXX   years old  and on a fixed income and can not afford any monthly payments on a small retirement income.     I went to all the trouble to get t he Quick   Claim Deed a nd to locate my stepfather for him to sign the paperwork removing him from the loan and title.       NACA sent another loan modification application to Ocwen with the " Quick Claim Deed '' Ocwen comes back and says they can do the loan modification rambling something about they ca n't reduce my principal which is exactly what the " National Settlement Lawsuits '' court and judge requires them to do.
These people meaning Ocwen are evil and should be put out of business. They have harassed me   ever since they took over my loan beginning in (  XXXX  ).      Ocwen has criminally trespassed on to my property breaking locks, doors, windows and putting " Lock Boxes '' on my doors. They have also cause me to loose my homeowners insurance by calling my own insurance company telling them to cancel my insurance policy and then turn around and put " Force Placed Insurance '' on my property for ( 3 ) times the amount when I was only paying { $800.00} with my prior insurance company before they called them.     I do n't know how   Ocwen is able to get away with all of this criminal activity. Any of person did these unlawful acts would be put in jail or made to pay a fine.
The D. C. DEPARTMENT OF INSURANCE Joins State Regulators by Issuing a Cease-and-Desist Order to Ocwen Loan Servicing, LLC for an array of unlawful actions.   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Product: Credit card

I am writing to file a formal complaint against Navy Federal Credit Union for inaccurate credit reporting and improper handling of my closed credit card account, in violation of the Fair Credit Reporting Act ( FCRA ). 

In XX/XX/year>, Navy Federal closed my credit card account and charged off the debt, yet they have reported 13 separate charge-offs, which is inaccurate. There was only one charge-off for this account, and the repeated, incorrect reporting has caused severe and unjust harm to my credit profile. 

Additionally, Navy Federal has failed to provide me with a 1099-C form, which is required when a debt is charged off and written off. Despite my repeated communications with them requesting this form, they have not complied. Furthermore, I believe that Navy Federal may have improperly sold my credit profile without my consent, further compounding the inaccuracies surrounding this account. 

This mishandling of my account and inaccurate reporting is a direct violation of my rights under the FCRA. These errors have had a significant negative impact on my credit score and financial reputation. I request that CFPB investigate this matter and require Navy Federal to : Correct the inaccurate charge-off reporting to reflect only one charge-off. 
Provide the 1099-C form for the charged-off debt. 
Explain the handling of my credit profile and ensure compliance with all applicable regulations. 
Please find attached all relevant documents, including my communications with Navy Federal regarding this issue. 

Thank you for your time and assistance in resolving this matter.
Product: Credit reporting 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 XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX and consumer reporting agencies, I hope this message finds you well. 

I recently discovered an error in my recent dispute filings regarding inquiries from XXXX XXXXXXXX XXXX While I'm actively addressing fraudulent inquiries on my report, I want to clarify that my XXXX XXXX inquiries are accurate and valid. XXXX XXXXXXXX Account XXXX XXXX Upon reviewing the copies of my submissions, I realize this was an unintended mistake on my part. I do not want to close my credit card and want to continue making on time payments. If you have any questions please call me at XXXX. I attached a copy of a utility bill and bank statement as proof of address. I have been doing great business with XXXX XXXX and would like to continue to do so. 

Thank you for your attention to this matter. 

Warm regards, XXXX XXXX XXXX
Product: Debt collection

Keep getting non stop repeated calls from this debt collector known as Midland Credit Management. They call at all hours of the day and night, every day of the week. I do not know who these people are, they leave no messages. It 's very hard to block the phone number because they cycle the numbers meaning they call from a different XXXX or XXXX number each time. My credit reports does not show any negative marks from a Midland Credit. They seem to be trying to collect on an old debt that is beyond the statute of limitations or they be scam artists.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is unauthorized credit inquiries made by the companies listed. To my knowledge, I have not signed any documents authorizing the companies in question to view my credit report. The listed inquiries are without authorization and for no legitimate business purposes. As such, it is a very serious error in reporting. I am requesting that they be removed immediately from my file.