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

XXXX XXXX ACCOUNT XXXX WAS REMOVED BUT PLACED BACK ON CREDIT REPORTS UNDER NEW ACCOUNT NUMBER XXXX NOTICE TO CEASE AND DESIST You are hereby notified to immediately cease communications and reporting on my credit report concerning the collections and the alleged debt associated with the account referenced above. This letter serves as a written request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract, and proof that you are licensed to collect debts in my state ( if you are a debt collector ). Until such time as you provide verification of the debt, I am exercising my right to cease and desist all collection activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. 
Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. 


Furthermore, I am requesting that all communication regarding this debt be conducted in writing only. Please do not contact me by phone, email, or any other means except in writing. Any further attempts to collect this debt without providing verification or in violation of the FDCPA will result in legal action being taken against your agency. 
IF YOU OR ANY OTHER AGENT OF YOUR COMPANY ATTEMPTS TO CONTACT ME OR CONTINUE REPORTING THE ALLEGED DEBT, A FORMAL COMPLAINT WILL BE FILED WITH THE FEDERAL TRADE COMMISSION. 
Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all collection and reporting activities on this debt. Failure to comply with this request will result in further legal action. 


Sincerely, XXXX XXXX
Product: Mortgage

Homestar drop the ball on my loan from day1. Lack of communication. I was pre approved for {$120000.00}. I made an offer to a HUD {$100.00} down house. Hud accepted my offer of {$92000.00}. I supplied ALL documents to my loan officer via email and fax in less than a week. 
After a month of waiting, they finally ordered appraisal. What originally cost {$450.00}, but they charged me {$550.00}. Because they had to put a rush on it. The property management made me turn on all the utilities on in 2 days!! I got total of XXXX disclosures, all because they had mistakes with the loan amount and down payment. I called my loan officer multiple of times, no answer. In one occasion, he text me back at XXXX, stating that he will call me back during business hours. But turn around and respond to my email at XXXX!! After 6 weeks of waiting, he emailed me stating the underwriter approved my loan! A week later, I got email from the loan processor for additional documents. I sent all requested documents the same day. Then they started to ask for same documents over and over again. I emailed and faxed the documents. I was so tired of them not receiving my documents. I got off from work early, and hand deliveried all the documents to the branch office. My realtor had to get 15 day extension on the contract, because the underwiter still working on my loan. After a week later, they finally sent me the closing disclosure with the closing date of XXXX/XXXX/16. I signed it and emailed my loan officer asking them what time is closing that same day. No response. When the closing day came, I still took the day off from work. Praying someone will call me. No phone call. The next day, my realtor called me and told me the underwriter wo n't close on my loan, because the appraisal report has pictures of missing outlets. So they want hud to fix it, but Hud is refusing to make the repairs. I was so upset. She then said to get a invoice from a repairman for the cost to fix it, then we can close the next day. I called my friend whom does home repairs, showed him the appraisal report ( which by the way, I finally got from the loan processor that day via email ) all this time I never got the appraisal report that I paid for a month ago. I emailed the underwriter the repair invoice, agreeing to make the repairs once we close. No response. Now my extension on the contract expiring in 4days! XXXX/XXXX/16. No calls. No emails. Nothing from homestar. How can homestar send me the closing discloser with closing date, but now have a problem with outlets in the house???? They made what suppose to be one of the greatest moment of my life, XXXX. I 'm about to lose my dream home, because I choose to apply with homestar.
Product: Debt collection

On XX/XX/XXXX I received a robo-signed letter with another legally invalid [ fraudulent ] " Payoff Statement '' which again lacks any names of my alleged " creditor '' ; or any names of any employees of my alleged " creditor '' who was authorized to prepare this Statement ; and who actually prepared this Statement or who will receive my money This Statement must be updated according to the law. I DEMAND THE NAMES AND CONTACT INFORMATION FOR EVERY INDIVIDUAL EMPLOYEE WHO PREPARED THIS PAYOFF STATEMENT AND WHO WILL RECEIVE AND PROCESS MY MONEY. 

I want to make another good faith attempt to resolve this situation and make a payment to my alleged Creditor- if it exists and owns the account receivable for my alleged " loan '' which I want to repay. 

I offer to drop all of my inquiries and challenges and make a FULL PAYMENT ( by personally delivering my money in certified check to the authorized employee of my alleged Creditor ) if an officer of any business entity warrants ownership of an unpaid loan account due from me and acknowledges the agency of the designated servicer to administer, collect and enforce said account. 

This requests is based on XX/XX/XXXX official admission that my money are actually collected by XXXX XXXX XXXX XXXX - while another company -PennyMac- XXXX to be a " Servicer '' who does not perform any Servicing functions that so ever, since the billing statements and correspondence is sent to me by XXXX, XXXX XXXX 

I do not know who received my money since XXXX has no records about any of my " transactions '' with XXXX, XXXX or XXXX ( since it was none of them ) and XXXX XXXX  who suppose to get my money ) deny its involvement. See attached. 

During all time in question all my money were deposited by XXXX on XXXX XXXX XXXXXXXX 's account - whose owner is unknown to me. PennyMac was not even mentioned in these transactions at all. 

Now I am directed either to wire my $ XXXX to XXXX XXXX XXXX - whose " home lending executive team '' can not confirm that this account is owned by PennyMac ; while XXXX XXXX once again confirmed that they have no records about any payments made on my behalf in XXXX by XXXX or XXXXXXXX XXXX or anyone else. 

Moreover, XXXX XXXX is now asking ME to provide them evidence of payment on my behalf! 

Bear to repeat, XXXX has no records about this transaction at all- since here was no transaction. 
I repeat my request : I will make a FULL PAYMENT, by delivering my money in person to the authorized employee of my alleged Creditor if an officer of ANY business entity warrants ownership of an unpaid loan account due from me and acknowledges the agency of the designated servicer to administer, collect and enforce said account. 

Best regards XXXX XXXX
Product: Credit card

On XX/XX/XXXX my capital one Quick silver was hacked and both unauthorized payments was made and unauthorized charges was made on the account. I made the normal monthly payment before I noticed the charges however capital had already restricted the account. I called capital one to dispute and file a claim, however they not only did not rule in my favor, but also reported the balances to the credit bureaus therefore making my credit status drop.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX is in violation of the below laws on the account mentioned, and I want them removed immediately after they failed to respond to my demands in the required 30-day time to respond. 

XXXX 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 an account without my written Instructions 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

In 2022 Goldman Sachs/Apple Card incorrectly applied fee and interest after card was paid off. Never sent a statement then reported negative reporting of past due in the amount of XXXX dollars, showing 30, 60, 90 days past due. I had no idea until my credit was ran for mortgage. Goldman Sachs/Apple Card removed charges they charged incorrectly and interest but never removed it from my credit report. It was too late in the mortgage process and would have lost my {$41000.00} down payment for deposit and purchase and sale. I tried to dispute with Goldman Sachs/Apple Card via numerous telephone calls emails and letters. Ultimately I had to pay {$11000.00} additional to buy points for mortgage because of my credit score. This still shows as a negative impact on my credit and when purchasing another property last year had to pay an additional XXXX in points again all because Goldman Sachs/Apple Card failed to removed this from my credit report after repeated requests for investigation. They proved there were wrong by removing the XXXX from my bill but did not follow through on removing from credit report, which has cost thousands since 2022! I am inquiring to see if I could benefit from hiring an attorney.
Product: Debt collection

Reported to XXXX and XXXX and XXXX and is inaccurate requested for it to be proved and it was not sent in over 90 days
Product: Credit card

This company has increased my balance to more than the original price. I am not able to make these payments. This company calls me everyday private asking me to make a payment, I dont have for the past XXXX  months. This company has harassed me after filing on my credit report
Product: Credit card or prepaid card

On XX/XX/XXXX, XXXX sent me a letter re : its obligation to send me a refund check totaling {$94.00}. This refund was owed me since I was a customer enrolled in the XXXX XXXX program offered by Citi between XX/XX/XXXX and XX/XX/XXXX. 
When I called at least two of the telephone numbers given to me by XXXX, after I never received this refund, I got a complete runaround for weeks. This refund is owed to me as a result of an agreement between Citibank N.A. and " certain of its subsidiaries, '' and the Consumer Financial Protection Bureau. 

XXXX staff by telephone have acknowledged several times by telephone : XX/XX/XXXX by XXXX, in Citi call center in FL. that she sees the account was closed ( by me ). 
She acknowledged that of course, a check with the refund of {$94.00} was owed to me, according to the agreement with the CFPB. She said to call XXXX to request that a check for the {$94.00} refund be cut and mailed to my home address on file. 

When I called, XXXX XXXX XXXX. XXXX XXXX, at XXXX 's HQ in XXXX XXXX, requested that I fax this letter to her, with XXXX ID # XXXX. XXXX XXXX and others at XXXX HQ are refusing to send check. Please press mailing of check per CFPB 's agreement with Citi, and Citi 's acknowledgement that this check should come to me asap. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to dispute incorrect information on my credit reports regarding XXXX. I sent several letters to all 3 credit bureaus as well as XXXX asking for this account to be removed from my credit bureaus. XXXX never responded to my complaints. They, nor Transunion, XXXX   or XXXX  provided proof that I ever had an account with their company but they all continued to report the account as accurate. I would like these companies to provide me with written proof of any contract that I ever signed with them. If they can not provide me with proof, I would like it removed from my bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not solved the issue ( wrongly recorded late payment in XXXX by XXXX XXXX ) even though the proof of payment for a reported late payment on file has been submitted. Attached find proof of payment for XXXX and XXXX showing that the XXXX XXXX loan is NOT late, in fact is current, and that payment was made in time for both months.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two loans that are on my credit report that do not belong to me I have been writing to XXXX Equifax And XXXX since XX/XX/2020 regarding these two accounts and they have not given me anything to work with. Then I decided to open a FTC report regarding this and still nothing. Now I have never opened any loans or signed any papers regarding this loan and yet it is still on my credit. This is affecting my life negatively and I dont need this right now during these hard times. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account
Product: Credit reporting, credit repair services, or other personal consumer reports

I received mail from XXXX in XX/XX/XXXX for three collection accounts from XX/XX/XXXX. I called the company and disputed the charges because I have never had an account with XXXX. They said they would look into it and get back with me, they also sent me a letter stating the same. I did not hear from them again. 

The three collection accounts then showed up on my Experian credit report. I disputed them individually on Experian on XX/XX/XXXX and the company notified Experian they belong to me ( they are not mine ). I disputed them again on Experian, said they are not mine and asked them to provide proof. They again told Experian they are mine and did NOT provide proof. 

I called XXXX again and disputed the accounts. I was told they would research and call me back within 3 days. Ive not heard anything from by phone or mail. 

These accounts are still showing on my Experian report. I want them removed from my credit report and I also want XXXX to remove these three debts from me because they are not mine.
Product: Student loan

Navient and other student loan companies need to refund FFEL loans that have been approved for borrowers defense. 
Those loans are conveniently " federal '' and untouchable when I filed for bankruptcy many years ago, and " private '' when I was approved for BDTR. They seem to be whatever is convenient for FSA or Navient. Never for us borrowers however.

THOSE LOANS ARE FEDERALLY INSURED AND WOULD BE PAID BACK TO NAVIENT ANYWAY BY THE GUARANTEE AGENCY AND OR FSA!
Product: Mortgage

During COVID and my XXXX XXXX STRIKE which was national, I was out of work and unable to work. I worked with mortgage company ( XXXX XXXX XXXX ) about this issue and they placed me on a modication plan for 3 months at a lower amount. I successfully completed the 3 months and was approved for the loan modification. I was told that the new loan packet was being sent to me in XX/XX/2024. I tried to reach out to the company a few times to continue to make the monthly mortgage but was not allowed to while the paperwork was being prepared and sent to me. They did not respond to my messages, I was not allowed to continue the mortgage payments and no letter nor any loan modification packet was ever sent/mailed to me. Ive been waiting for it and nothing came and now they are trying to reverse the approval and charge me all this back pay. Ive been out of the country for a month for work as I am now back at work. Tried to explain that but i can not get any responses from them!
Product: Vehicle loan or lease

I paid off my Wells Fargo Auto Loan on XX/XX/XXXX of this year. Wells Fargo has yet to report that its been paid off to the 3 credit bureaus. When I called Wells Fargo they said it should have been reported to the bureaus on the XXXX of XXXX and they couldn't see anything on their end that would have prevented it but they weren't 100 % sure.
Product: Checking or savings account

I have an IRA CD with Synchrony Bank that matured on XX/XX/2024. They said I have a 10-day grace period to decide what to do with the account. So, I contacted XXXX XXXX, which was offering me a better APY than Synchrony. On the XXXX of XX/XX/2024, XXXXXXXX XXXX emailed me some transfer request documents that I signed and returned to them via the Post Office. They mailed the request to Synchrony Bank on XX/XX/2024. I kept checking my account with XXXXXXXX XXXX hoping to see my new account opened with them. Because no account was opened as of today, XX/XX/2024, I contacted Synchrony Bank to find out what was going on. Synchrony Bank told me they received the request on XX/XX/XXXX, which is outside the grace period ; They said they could still perform the transfer, but that I would have to pay more than {$700.00} in the form of early withdrawal penalty. This is my retirement account and I can not afford to lose that amount of money. I told them the request was mailed to them on XX/XX/2024, as stated by XXXX XXXX, and that I didn't believe it took the Post Office 12 days to deliver a mail from Maryland to Texas. I was forced to stay with Synchrony for another year, and I don't believe that's right.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies reported on my credit file concerning account number XXXX. Upon reviewing my credit reports across all three major credit bureausXXXX XXXX, and XXXXI have identified several discrepancies that need immediate correction. 

Payment Reporting : Your records indicate that I made a payment of {$1300.00} in XXXX, which is inaccurate. I did not make a payment of that amount during this time. 

Late Payment Reporting : The account is reported as never late to XXXX, yet a late payment for XXXX has been reported to XXXX and XXXX. I confirmed ( with a Golden 1 team member who refused to provide documentation to me regarding my account on XXXX XXXX XXXX XXXX ) that my XXXX payment was received within 29 days of the due date, therefore my XXXX payment was not late. 

This inconsistency in reporting is misleading and damaging to my credit profile. 
Given these inaccuracies, I kindly request that you update my account status to open, never late across all three bureaus. Please provide me with written confirmation of adjustments made to my credit report. 

Thank you for your prompt attention to this matter. I look forward to resolving this issue quickly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all XXXX credit bureaus challenging the factual and accurate reporting of this account that is showing up on my credit report XXXX...... i have contacted them XXXX times and each time it comes back as verified as accurate ... ..how is this possible when there are multiple inconsistencies in the reporting between the XXXX bureaus???? i have attached a copy of the report with all of the inconsistencies circled ... XXXXthey did not conduct proper investigations and are XXXX ME the consumer ....
Product: Mortgage

Ocwen loan Servicing LLC has started to charge a service fee to pay the mortgage payment online. They can not just decide all of the sudden that they require us to go paperless to pay online. There is nothing in my note that says they can change the terms of how I make my payment and charge a service fee. They told me I had no option but to pay the fee in the future. This is one more fee that they have decided to get in bed with XXXX XXXX and make money and it's not necessary. They either need to offer the service to all clients regardless of statement option or not at all, but to change it in the middle of the loan is ridiculous!
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXXXXXX 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.