23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On the first week of XX/XX/2021 i sent out a debt validation letter and i still have not received a response. According to 15 usc 1692g they were supposed to send validation within 5 days of receipt of this letter which they have not done. This is a violation of the FDCPA. Since they can not verify this ALLEDGED DEBT they are currently violating 15 U.S. Code 1692j by furnishing false and deceptive forms on my consumer report. They are also violating 15 U.S. Code 1692f by using unfair practices in trying to collect an ALLEDGED debt as well. This is also an alledged medical debt. By furnishing my consumer report with this, RS CLARK AND ASSOCIATE is violating HIPPA laws as well. I demand this be removed from all of my consumer reports and I demand for this company to stop trying to collect debts that they CLAIM are mine. They are violating many of my right so if not action is taken I will be seeking monetary remedy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint to dispute several accounts that appear on my credit report, which I believe to be inaccurate and not associated with me. Despite my multiple attempts to rectify this issue through your bureau, as well as with the respective creditors and the Federal Trade Commission ( FTC ) website, the inaccurate information still remains on my credit report. I kindly request your assistance in addressing this matter promptly. I kindly request your immediate attention and assistance in resolving this issue. First and foremost, I would like to emphasize that the disputed accounts listed on my credit report, identified below, are not mine : XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX XXXX XXXX XXXX, Despite my diligent efforts to rectify this error, the inaccurate information persists on my credit report, negatively impacting my financial standing and potential opportunities. I have taken the necessary steps to dispute these accounts by sending letters via certified mail, providing supporting documentation, and clearly stating the reasons for my dispute. Regrettably, my attempts to resolve this matter have been met with no response or resolution. I am deeply concerned about the potential implications these erroneous accounts may have on my creditworthiness. It is my right as a consumer, as granted by the Fair Credit Reporting Act ( FCRA ), to have accurate information reported on my credit file. I request that you conduct a thorough investigation into the disputed accounts and take the appropriate measures to remove them from my credit report.
Product: Mortgage

In XXXX of 2021, I started the refinance process with XXXX XXXX at New American Funding. To date, he is replied to only 3 of my emails and answered only 4 of my calls. All others have been unanswered. I have reached out to his manager and also have been ignored. Our loan number is XXXX He pulled our case number too soon and therefore, our refinance was in limbo. Due to his error, XXXX is telling us we need to pay for the extension which we will not do since it was his error. New American Funding needs to pay for the extensions. 

I have requested to be transferred to another loan officer and my requests have been ignored. I have reported to corporate and only then has XXXX reached out to me. I have requested to corporate that they pay for our extension only to be told they need XXXX 's manager to approve who has ignored us as well. 

XXXX, his manager, and New American Funding have failed to provide adequate communication regarding our refinance and have blatantly " ghosted '' use for the past 3-4 months with minimal to no updates about the progress of our loan. 

New American needs to pay for the extension since it was their employee 's fault and to even think the customer should pay for their employee 's error is insane.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent accounts that have been illegally opened in my name. This matter is of the utmost urgency, and I demand immediate correction of my credit report. The following accounts were fraudulently opened without my consent ( see attachment ). These accounts are fraudulent, and I did not authorize the creation of any of these accounts. I demand that these accounts be permanently removed from my credit report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. This situation has caused severe damage to my credit and has resulted in undue stress and Financial Loss. I expect prompt action in investigating and correcting this issue. I demand that the fraudulent accounts be removed and a new credit report be issued reflecting these changes. Please provide written confirmation that these fraudulent accounts have been deleted from my credit report. Failure to respond and correct this matter within 30 days will leave me no choice but to pursue all legal counsel to protect my rights.
Product: Credit reporting or other personal consumer reports

Hello, I recently received a copy of my XXXX  credit report. I explained to the credit bureau that reporting late on my credit report is illegal per the fair credit reporting act. I clearly explained that they were in violation of the law under 15 USC 1681B permissible purpose of consumer report this is a {$1000.00} CFPB ( a ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( A ) in accordance with the written instructions of the consumer ( individual ) ( me ) to whom it relates. ( Did I give you written instructions to furnish this account on my credit report? ) Furthermore, the Fair Credit reporting is USC1681 ( 2 ) Exclusions-Except as provided in paragraph ( 3 ) the term ( consumer report ) means any written, oral or other communication of any information by consumer reporting agency bearing on a consumer credit report. ( i ) report containing information solely as to transaction or experience between the consumer ( XXXX ) and the spoken person ( XXXX ) making the report. 

As you can see per your law that it is illegal to report late. I did not give written instructions to furnish any information on my credit report. Furthermore FCRA As stated on a consumer credit report containing information solely as a transition or experience BETWEEN THE CONSUMER ( INDIVIDUAL ) AND THE PERSON MAKING THE REPORT. Please have them to remove all lates from XXXX XXXX ( XXXX ) and XXXX XXXX ( XXXX ) from XXXX, Equafax, and XXXX XXXX. I appreciate your assistance and upholding the law and the credit beura responsible for an accurate information being reported on a consumers credit report. 
Sincerely, XXXX XXXX XXXX XX/XX/year> XXXX
Product: Credit card or prepaid card

XXXX 2017. I applied for a Barclays American Airlines credit card and was declined due to having a previous closed account with Barclays. The previously closed account with Barclays was closed through a bankruptcy utilizing The Consumer Credit Protection Act. The Federal Equal Credit Opportunity Act states that Barclays ca n't discriminate based upon an any rights exercised in the Consumer Credit Protection Act. Barclays did n't even brother pulling a current credit report that shows no bankruptcies and a high credit score and taking into consideration my high annual income/ability to repay.
Product: Checking or savings account

i called chase bank and verified depositing a third party check as well as the company who wrote it they both said yes. so i deposited it a day before it was to clear they want a phone number to verify check was signed over so i gave it to them trhey said its not linked to person who signed it. now they froze my account and will close it, she even got a new number and it still doesnt work. this has put a hardship on me when i know the check is good and legit.
Product: Debt collection

Ive never gotten a loan for the amount of XXXX from speedy cash this is a fraudulent loan taken out in my name
Product: Mortgage

This is a follow up to compaint nbr XXXX posted on same site. While JPM has contacted me twice during this week, they are now stating that my loan is a conventional loan. <P/>However, JPM representative assigned to the case, XXXX XXXX who is acting as a liaison between the mortgage unit manager and myself, does not know exactly what transpired at the time. She was trying to get information as to how I came about the rate and the loan application. It is obvious to me that the purpose of obtaining that information from me is so that they can formulate their argument/excuse as to why I received the incorrect interest rate. <P/>Furthermore, I requested that JPM post her communications thru this site and she confirmed that indeed all our communications were posted here. However, I do n't see any posted on the CFPB portal. <P/>I restate that JPM after confirming that they indeed granted me a Harp loan, they did n't honor the available rates at the time which were below 4 %. Back in 2011, JPM insisted that the only rate I qualified for was 5 % and only if I increased the term of the loan. The effect of the change did decrease my monthly ; however, it increased my overall amount when i had excellent credit. I had at the time 2 mortgages and even under the worst personal financial difficulties, I never defaulted on any of my mortgage payments. As mentioned before, I do believe that JPM incorrectly granted me a high interest rate because they were reporting I owed them money on a credit charge, JPM made a mistake of sending out after they indicated that I had not been approved for such credit. XXXX paid off the vendor and JPM did n't want to hear about it. The other possible reason why jPM gave that outrageous plan is because the building under which I had the other mortgage for an apartment I own, had the land and property titles under my apartment. JPM was holding the master loan and they knew the building was in trouble. However, neither the credit card issue and much less the separate mortgage under the apartment needed to be considered in JPM analyst/evaluation of my credit worthiness. It seems to me that JPM actions were discriminatory and unfair business practice.
Product: Credit card

Synchrony Bank indiscriminately lowers credit limits based on small decreases in credit score due to increased usage of credit accounts, although there have been no over limits, no late payments, etc., without knowledge of reasons for higher credit usage on behalf of the customer, i.e, home repairs, large purchases, etc.. I believe this to be unfair business practice. This has happened to several of my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

OAG is reporting child support debt which is not supported by a court hearing. 
Debt reported is not based on any financial record. 
Oag has admitted that there is mistake in the account and lost records but with not fix the problem. 
I have filed disputes and submitted documents to all the three credit reporting agency they claim an up date has been made but the inaccurate debt is still being reported, The fraudulent information created on XX/XX/16 via a fraudulent court order which reports a false debt of XXXX, XXXX as of XX/XX/16 no record exist to support that debt. No records exist that notice of a hearing referencing such a dent was served on me. 
This debt is cost me money and is preventing me from housing and medical insurance. 

Office of Attorney General is the company responsible for providing this false debt information. I have been in consistent contact and dispute with the OAG since XXXX  about this false debt reporting the furnishing of false information to credit companies.
Product: Credit reporting or other personal consumer reports

I requested that my personal information be updated and reflected to what my drivers license identifies. Proper spelling of name and home address and that any other addresses or incorrect spelling of my name other than whats on my drivers license is inaccurate and must be removed.
Product: Mortgage

THIS IS REGARDING LOAN NUMBER XXXX WITH XXXX XXXX. 
OCWEN MORTGAGE IS A PREDATORY AND DISHONEST MORTGAGE LOAN SERVICING COMPANY THAT PURCHASED THIS LOAN FROM GMAC MORTGAGE. 
IN THE MONTH OF XXXX 2017 I MADE 4 PRINCIPLE PAYMENT TO THIS LOAN IN ADDITION TO THE REGULAR MONTHLY. THEY EQUALED {$10000.00}. 
IN XXXX I MADE 2 ADDITIONAL PAYMENTS TO PRINCIPLE OF {$1100.00} FOR A TOTAL OF {$2500.00}. THESE PAYMENTS WERE MADE ON OCWENS CONSUMER WEBSITE AND WERE ALL DESIGNATED AS PRINCIPLE ONLY. 
THEY HAVE NOT BEEN APPLIED PROPERLY AND OCWEN HAS NOT REDUCED MY MORTGAGE PRINCIPLE BALANCE TO THE CORRECT AMOUNT EFFECTIVE AS OF TODAY. XXXX IS A PREDATORY MORTGAGE SERVICE CO MAMGED BY THIEVES.
Product: Debt collection

Back in XXXX I found a collections reported to my credit report on behalf of XXXX. The debt was mine and I took the necessary steps to pay in full which included a past due balance as well as returning equipment directly to spectrum in person. This happened in XXXX of 2020. I then called and informed IC Systems that the debt had been paid and I asked what was needed to do to get this removed. They stated that if I mailed copies of my paid receipts they would have it deleted. The paperwork was mailed and I waited at least a month to call to give them ample time. I called to confirm they received it and why it was still showing as a debt. They confirmed they had copies of the receipts but they needed to get confirmation from XXXX  themselves from their collections department that it was now being reported as XXXX debt. I called XXXX explained the situation and they flagged my account so that it was pushed through AGAIN to report to IC Systems that it had been paid as they had already done. Another month or so goes by and I call IC Systems because it is again showing on my credit report and they refuse to update their balance in their system even after I sent receipts. The representative then tells me I now have to send copies of my personal bank account info showing the payment went through because I could have reversed the payment. After several calls and almost 9 months later they still refuse to update their records even after both XXXX and I personally have shown them proof. They have yet to help or try to resolve this issue only giving me more hoops to jump through for a {$350.00} debt. This is unacceptable especially when I have receipts including chat conversations with a XXXX  representative. Please resolve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX open on XX/XX/2019 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Mortgage

I submitted an appeal for a repayment Plan to my Mortgage servicer, Plaza Home Mortgage, the bank XXXX. The appeal was because we added income. We are now being told we do not qualify and we can not understand why. We were advised to submit all income in the home for my spouse and myself. We understood that all income would be considered. Originally, I applied with my income only and now we are adding my wife and we do not QUALIFY. How could that be???? 
1.The assumption is that I MAY HAVE NOT QUALIFY in the first place in XXXX 2014 and therefore I am thinking this was predatory lending Plaza Home Mortgage. Which they have been cited for in the past as well XXXX. 
2. Our PMI is at 1.72 % of the loan which does contain {$20000.00} of construction, it is a XXXX streamline loan, so the base loan is XXXX. If I am correct it should be on the base of XXXX and not the XXXX ( which includes the construction loan ). 
3. The rate for the PMI should have been between 1.30 % and 1.55 % for 2014 which is when the loam closed. We are at XXXX of the full loan. 
4. We are advised that a company called XXXX XXXX XXXX XXXX, would see us face to face because Plaza did not desire to foreclose on us but we never met with the company and after calling Plaza a few time I was never given a number for them, I was told I had to wait for them to come to me. We then received a letter that we were assigned to a law foreclosure group, that was notorious for robo signing of foreclosure mortgages in Florida. 
4. I was laughed at by Plaza Rep when I advised them we are working overtime and such because we wanted to save our home, " how long are you going to keep that up for '' ( if the conversation was recorded by the company feel free to look into it XXXX by XXXX XXXX. I guess XXXX people should give up and not own property because we lack work ethic is what I gathered from XXXX XXXX, which is why moving forward in XXXX with the additional appeals I felt we would be denied regardless of what we submitted, and here we are now5. The calculations on the property taxes for the 2014 year was suppose to be XXXX divided by XXXX equal XXXX but the XXXX reflects XXXX per month. The new taxes hopefully will be roughly XXXX which would lower our responsibility. 
6. This is a FHA loan, we re paying a premium to insure that the bank suffers no loss if we default. WE in turn get nothing, why would they keep returning our payments, not sending out the representative they promised to help us and kick us out. WE want our home and we are communicating. 
I have ask for a XXXX mortgage forensic audit on this account and will seek legal avenues if we are not accommodated.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of certain unauthorized credit inquiries from my credit report. I have reviewed my credit report and found several inquiries listed that I did not authorize. 

According to the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. Additionally, when inaccuracies are identified, they must be promptly corrected or deleted.

15 U.S.C. 1681e ( b ) states : " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) states : " ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. '' The inquiries in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX ( from Accounts Receivable Consultants ) contacted me this morning asking for information on how to get in touch with my husband 's brother. When I asked what it was in reference to, he told me that it was a " personal matter '' and that he wanted to " extend an olive branch to my brother in law ''. The number he used to contact me is my cell phone and is on the do not call list. I explained that to him and he said that he would remove my name from his call list. So, why is there a call list for a personal matter? 

What is bothersome is that a ) he did not represent himself truthfully as a debt collector and b ) I have not authorized anyone to use my number as a reference for credit and have never cosigned a loan of any sort so I am not sure where he found my unlisted number. I feel his tactics were fraudulent at best. 

The number he called me from was XXXX. The call back number he gave me was XXXX. XXXX numbers are connected to Accounts Receivable Consultants located at XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. The company website is www.accountsreceivableconsultants.com.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred, despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for several practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I previously disputed this account with your credit bureau. I let you know this account was not being reported accurately and is hurting my ability to obtain credit. This account can no longer be reported to my credit report because reporting this account violates my rights for the FCRA. The vehicle in this account was Voluntarily Surrendered in XX/XX/year>. Since then the account has repeatedly been updated every month with inaccurate information every month. This is an update in the payment history. The account listed below need to be immediately removed from my credit report as it is reported inaccurately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Credit Bureau : XXXX XXXX This account has inaccuracies that are highly injurious to my credit score. In accordance to The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D. I am requesting the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your re-investigation.
Product: Debt collection

Today is XX/XX/2018. I am requesting that Nelnet pick one day out of the month of XX/XX/2018, Where we can meet up in location in XXXX of my choice. I requesting that Nelnet bring original promissory note you claim I sign with XXXX XXXX. I will have document examination expert look at this promissory note. I will able to prove that you ( 1 ) use any false, deceptive, or misleading representation or means in connection with the collection of any debt. ( 2 ) Putting false information my credit report. ( 3 ) Using Forgery ( 4 ) You are discriminate against because I am XXXX. ( 5 ) also you will be in possessing of forged note. ( 6 ) You are using false counterfeit promise note. 
If you do not pick day out of XX/XX/2018, I will assume that you trying use counterfeit promissory note to collect a debt from me. 
I will like invite someone from Consumer Financial Protection Bureau, someone from Attorney General of Florida, to come to meeting with me and Nelnet where we look over original promissory note. 
If Nelnet do not pick day in XXXX of 2018, I will assume that you do have original promissory note, you do not have proof that this is my debt, that you are trying use a counterfeit promissory note to try to collect money from me.