23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX I filled out forms for a loan modification due to my husband got ill and was hospitalized several times and I didn't want to get behind where I couldn't catch up. Carrington Mortgage Services advised to do a loan modification. I have filled out the documents they requested, and they keep requesting same documents over and over stating that there was changes to the XXXX. I filled one out on  XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX. I really can't believe there has been changes, especially that many. 
I have faxed in the whole packet in XX/XX/XXXX and still to this present date XX/XX/XXXX I am now being asked to pretty much start over.. And, since then got a letter from an attorney that is handling the Carrington Mortgage Services . 
Now, since all this time has went past, today, XX/XX/XXXX I was asked to fill out the Mortgage Assistance ( RMA ), plus 30 days of paystubs. AGAIN! 
There should be no reason for all this delay, I have kept in contact, filled out the forms requested and still have got No Where! When I first started and spoke to the associate at Carrington Mortgage she advised once packet received there should be a timely process and should get information on the loan modification and the new terms to me. I do not want to lose my house, but I feel I am getting no help at all! I feel very cooperative with all the demands and phone calls, but I feel I am getting the run around and possible scammed to the extent that I will lose my home. I have owned this home since XX/XX/XXXX @ XXXX XXXX and I feel I am just asking for help and not a run-around.
Product: Credit reporting or other personal consumer reports

I have requested that Experian/Experian Information Solutions and XXXX XXXX ( the data furnishers for Experian ) verify that the XXXX  XXXX Bankruptcy ( case number XXXX ) information was accurate. Experian stated that they have verified that the information was accurate. However XXXX XXXX ( the data furnishers for Experian ) states that they were unable to verify the accuracy of the XXXX  XXXX Bankruptcy case number XXXX within the required timeframe as outlined by the Fair Credit Reporting Act, and therefore deleted the ( XXXX  XXXX Bankruptcy case number XXXX ) from their ( XXXX ) Identification Records SEE ATTACHED LETTER FROM XXXX from XXXX stating that their were unable to verify the accuracy of the XXXX  XXXX Bankruptcy ( case number XXXX ) and thus deleted it from their ( XXXX ) Identification Records.
Product: Debt collection

Talked to XXXX today in regards to debt, refused payment affordable with my agi of XXXX yearly, said they do not set up payment plans that low and will still report debt on credit report with the payment I can afford.
Product: Checking or savings account

I just started a new job at XXXX XXXX XXXX. My first paycheck was mailed to me as they werent able to set up the direct deposit in time. We are paid monthly and I just finished 8 years of training to be a physician and so my paycheck is much larger than before. I deposited the check Monday XX/XX/23 evening and it finally cleared this morning Wednesday XX/XX/23. Then a XXXX administrative hold was placed on my XXXX check. I called this morning and was told by the call center theres nothing they can do it was flagged as suspicious activity. I have bills to pay and am already behind because the check was mailed. This is my money from work and getting a paycheck from a hospital is not suspicious. I am being discriminated against because I used to make less money? Because of the way I look or my background? I shouldnt have to explain to the bank that I got a new job or a raise. I am going to have to get a consumer protection lawyer and waste precious time and money closing my account and suing them? Its ridiculous a bank can do this without any consumer protections. If Im late in my mortgage or other bills its just my problem?
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I submitted a complaint about a collection agency called ADMIN Recovery LLC, about how they violated the FDCPA and their harrassment in trying to accuse me of owing a debt that is not mine. In response to the complaint, they were not truthful and stated incorrect responses. So my 2nd complaint report is to state that they lied about me not stating they have the wrong XXXX. On XX/XX/XXXX i received two calls and the first call i answered and they asked for XXXX XXXX and i stated you have the wrong number then the person stated no i dont and I repeated yes you do and I hung up. then the same person called again and i didnt answer. then this person called my father and sister, in which, only my father answered, and ADMIN stated to him that i breached a contract and he sent the letters to two addresses in which my father told him i never lived at those addresses and that you might have the wrong XXXX. Admin left a voicemail on my sisters phone. Then ADMIN called me again on XX/XX/XXXX, stating that i owed XXXX and that was in a breach of contract as of XX/XX/XXXX. And then like a week later is when I received a notice in the mail. So I called ADMIN, and i told them that i already told your company you have the wrong XXXX, I stated I never had a account with XXXX XXXX, I dont owe any credit cards and never had a credit card with that much money and I stated this is Fraud and you have me confused with another XXXX and I requested the phone number of the creditor. Then sent a letter to ADMIN for validation of the debt ... not cease and desist ... and i requested the validation just to prove to ADMIN that they have the wrong person. This complaint that im submitting is to prove that ADMIN is lying in their response to the previous complaint and to prove that they are harassing the wrong person, I called XXXX XXXX  and gave my social security number and there is no account with my personal information in their system. Therefore ADMIN Recovery are violating the FDCPA and giving false information to the CFPB.
Product: Mortgage

We applied for a refinance on our property in california. We were continually assured that the loan would be approved ( excellent credit and loads of equity ) We were required to pay for an appraisal ( {$510.00} ) and a subordination fee that had to be overnighted ( {$250.00} + {$50.00} ). After nearly 10 weeks on this loan and the mountain of paperwork we sent to them I called them only to find that they claimed we did not qualify. Their only explanation of debt to income did not make any sense. I have requested a further explanation to no avail. We want our upfront monies back and we want all the papers associated with this loan with a full explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 Balance 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

On XX/XX/2020, XXXX XXXX ran my credit a total of 3 times consecutively. I did not authorized these inquiries and I want them all removed. I have disputed them with equifax and they refused to remove them. I want proof of authorization for these inquiries and if this can not be produced I want them all removed.
Product: Money transfer, virtual currency, or money service

am filing a complaint 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 and address 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 redres for these violations.
Product: Credit reporting or other personal consumer reports

Onemain Financial has 2 unauthorized credit inquiries on my XXXX credit report. I did not authorize these inquiries.
Product: Mortgage

Chronological timeline of events : * On XX/XX/XXXX I logged on to the mortgage company 's website ( https : //www.truist.com/ ) and made my monthly payment of {XXXX}. 

* On XX/XX/XXXX, I received a call from the mortgage company stating they were attempting to collect a debt for a non-payment in XXXX. I now see that there is no record of this payment being debited from my checking account history. 

* The mortgage company noted on the call that they have a record of me logging in and making the payment on that date, but that it did not go through. They were not able to tell the reason that it didn't go through. 

* The mortgage company also noted that they have been having issues with their payments system since the merger with Suntrust bank ( where we made payments prior to XX/XX/XXXX ). 

* The mortgage company lastly noted that they reported a 30 day delinquent account to the credit bureaus on XX/XX/XXXX. 

* I'm in the process of purchasing a business and the negative credit mark will cause me tremendous financial harm. 

* Until the situation has been resolved, I will no longer make any mortgage payments to Truist. All payments going forward will be held in escrow by my attorney.
Product: Mortgage

ON ABOUT XX/XX/XXXX WE WENT TO A LOAN CO THAT ADVERTISED THE LOWEST INTEREST SO WE CALLED AND TALKED TO A LADY THAT SAID WITH AN XXXX CREDIT SCORE WE COULD NOT BE TURNED DOWN.AFTER WE FILLED OUT ROWS OF PAPER WE CALLED THE CREDIT BURROW OF SOMEWERE IN XXXX ALTHOUGHT THE LOAN WAS IN XXXX., THE CREDIT XXXX TOLD US THEY HAD OVER XXXX COMPLANTS AGAINST THE LOAN CO. BUT FOR FOR A LARGE COMPANY LIKE LOAN DEPOT THAT WASOK.THE WEEK AFTER THE LOAN WITH THE LOAN CO. AND THE V.A. LOAN DEPOT SAID THE LOAN WAS APPROVED.A FEW DAYS LATER THE LOAN CO. SAID THE LOAN HAD BEEN REVERSTED, WE WERE GOING TO ANOTHER BUT LIKE XXXX DUM- DUM WE USED THEM BECAUSE THEY SAID THEY WOULD GET IT FOR US, SO WE AGREED.IT WAS XXXX BEFORE THEY SAID IT WAS APPROVED EVEN AFTER THAT THEY KEPT CHECKING OUR CREDIT AND ASKING US WERE THE GOT THE MONEY EACH TIME WE WENT TO DEPOIT A CHECK AND WE WOULD HAVE TO GET THE CHECK AND WE WOULD HAVE TO FIND A REASON.WHENWE HAD THE CLOSEING THE MAN DELIVERED THE PAPER WORK AT ABOUT XXXX IT CONTANED OVER XXXX PAGES OF THINGS TO SIGN, IT WAS SO MANY PAGES THAT THE MAN WHOBROUGHT IT OVER SAID HE HAD NEVER AFTER 3O YEARS SEEN THAT MANY PAGES TO SIGN, IT TOO OVER XXXX HOURS TO SIGN THE PAPER WORK.THEN BEFORE THE MONEY WAS SENT THE LADY FROM LOAN DEPOT ASK ME IF I HAD REALLY BE IN THE XXXX AFTER SHOWING ALL MY PAPERS.XXXX CHARGED US SO MUCHCLOSING COST WE COULD NOT BELEAVE IT, IT WAS ONE THING AFTER THE OTHER AND EVEN A LATE THAT THEY ENCURD ON FILLING SOMTHING LATE. MY WIFE DOS N'T WANT METO FILL THIS BECAUSE SEE THINKS THEY MIGHT TAKE ACTION AGAINST BUT I CALLED THE VETERANS ADMINATION AND WAS TOLD IF THEY DO TO LET THEM KNOW.
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # 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 or other personal consumer reports

Certified mail was received on XX/XX/year>. I reviewed my consumer report and noticed eight late payments on an account I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability, with maximum accuracy. I have never been late on payments for the account.

Account Type : Home Equity Creditors Name : XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Date of Late Payment : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Please investigate and provide proof with statements showing those payments were late. If proof can not be provided, I demand these payments be updated to on time as they should be, as I was never late. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly a past due amount on the XXXX partial account number XXXX. ( Please see page 4 of the attached credit report. ) This vehicle was involved in a car accident and totaled. The insurance company paid all of the balance with the exception of a small portion remaining which will be paid on Friday, XX/XX/2019. Please remove this line item from my credit report.
Product: Credit card or prepaid card

In XX/XX/XXXX there was a change in banks that serviced an existing credit card. The new bank " Comenity Capital Bank '', sent me notice and a new credit card, but did not send me their initial invoice. I only found out that there was an outstanding amount when my card was denied at a vendor. Starting XX/XX/XXXX and continuing for several months, I called the Bank 's customer service three times. Each time, the representative told me that the late fees and interest were removed. But after each call, in a matter of weeks, the amounts plus additional interest were put back on the account. I also wrote letters to the bank 's CEO, XXXX XXXX notifying him of the issues and asked him to have someone remove the unwarranted charges and cancel my card. On XX/XX/XXXX I received a letter from Comenity stating the credit card was cancelled, but that the late fees and interest were still due. It appears that they are either unwilling or unable to correct their error.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} I disputed with the company listed above that this account is fraudulent. i was told the account was verified and no proof was shown to me of how the account was verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act, this creditor has violated my rights under 15 U.S.C. 1681 section 602 which states I have the right to privacy 15 U.S.C. 1681 section 604a section 2 also states a consumer can not furnish an account without my written instructions.
Product: Credit card

A charge of XXXX was made to my Citi Advantage/Master card on XX/XX/XXXX. I immediately called the credit card company to dispute the charge. I heard from the credit card company by phone and they asked some banal questions that I had already answered. Shortly after this call I received an impersonal letter stating that the case was closed because the card was present when the service was paid for and it would reappear on my next statement. I understood the charge was for an auto repair shop. I called the credit card company to question why it was closed and the representative said, " no, the case is still opened. '' I received my current statement today, XX/XX/XXXX, and the charge, plus an interest charge is still on my bill. 
I called to speak to a representative and then I was transferred to the Fraud department. The representative said she was sorry but since my card was present, the charge would remain and there was nothing they could do. 

I called back the Fraud department and asked to speak to a Supervisor. I told her I wanted the name of the company, their address and phone number. The statement only had XXXX as the address and when I googled the name XXXX XXXX, what came up was a hotel in XXXX. There was no name, or phone number for an auto repair shop. This city is XXXX  hours from where I was staying in XXXX. The card was with me the whole time and I can't explain how they could use my card. It appears that the investigation done was only to check whether the chip on my card was used. No other information re the name or address of the service provider or merchant was available at the credit card company. They did a very superficial investigation and have not been very helpful.
Product: Debt collection

I did not open an account with the third party debt collector is falsely trying to collect a debt which I do not owe them and are falsely reporting it on my credit report. 

Company Vance & Huffman LLC
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in to be removed. 

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

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

XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). 

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

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

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I canceled my membership with credit check total when they merged with Experian. And they are constantly charging my account for the amount of XXXX XX/XX/XXXX, also XX/XX/2019. Also XX/XX/2019. One was reversed and refunded to my account. I called several times and they still wont reverse my charges. I was on hold for hours and transferred several time to receive no help.
Product: Student loan

I cosigned for a student loan for my son to be paid after he graduated. Kohn Law Firm of XXXX WI, ( a " Nationally recognized debt collection law firm '' according to their Website ) starting working with the collection of the debt in XX/XX/XXXX. I set up a verbal payment agreement with them and began making {$200.00} per month in XX/XX/XXXX. Payments were sent to the firm at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX. I continuously requested validation of the debt and when they did sent me information it was not complete. 

In XX/XX/XXXX, they filed a lawsuit against myself and my son. We both hired attorneys and again both attorneys requested copies of the master list ( pool agreement schedule XXXX ) showing that this loan was transferred to a trust account. 
In XX/XX/XXXX, Attorney XXXX contacted my attorney ( who was hired to represent me on the loan of my son 's ) regarding another defaulted loan that was in his office on a student loan of mine. Now I did not hire the attorney for this matter and I had been dealing with Kohn Law Firm since XX/XX/XXXX, waiting for the master list ( Schedule XXXX of a pool agreement showing my loan was transferred to the trust ) As of today 's date I still have not received anything from them. Attorney XXXX violated my right to privacy by even mentioning this matter to my attorney, who, again was not representing me on this matter. 
This Master list regarding my son was never provided and the court dismissed the case in XX/XX/XXXX along with my counterclaim. My counterclaim was for a refund of payments made in the amount of {$2000.00} along with attorney fees and {$1000.00} punitive damages. Between XX/XX/XXXX and XX/XX/XXXX I actually paid $ XXXXXXXXAfter a month I contacted the Attorney XXXX XXXX requesting a refund of the {$2900.00} I paid on the loan that they could not prove the ownership of. He has refused. 
I sent an email again asking for a refund of my money and again he refused.
Product: Debt collection

LVNV sued me to collect a debt that they couldnt prove was mine and also couldnt prove that they own the debt. So in court they voluntarily dismissed the case after not being able to provide the following proof that the account is mine : authenticated GAAP of said credit card account, the purchase agreement with my wet signature and an Audit trail. 

Notice of Cease and Desist This is a warning notice to the alleged wrongdoer of such debt which you're a debt collector because you are simply attempting to collect an alleged debt. I noticed I've been violated pursuant to the FDCPA ( Fair Debt Collection Practices Act ), there is evidence of the use of abusive, deceptive, and unfair debt collection practices. These practices resulted in the infringement of my intellectual property rights.

According to 15 USC 1692c ( c ) ( 2 ) I am invoking my specified remedies as a consumer and I am demanding all of the following : - I refuse to pay this alleged debt - Stop illegal negative reporting activity to ALL consumer reporting agencies and report as positive reports- A Check of {$6000.00} worth of violations under FDCPA sent to my name and address 15 US 1681 b ( furnishing a consumer report without the consent of the consumer 15 USC 1681 1a, 2b ( furnishing an account that was created from a credit card 15 USC 1692j ( furnishing a deceptive form to make the consumer believe they owe a debt 15 USC 1692 b ( stating a consumer owes a debt ) 15 USC 1692 I a, b ( suing a consumer without authorization of the consumer ) You are civilly liable if I don't receive a response compliant to my Cease & Desist and my demanded payment. That will be an additional violation pursuant to the FDCPA and I will take legal action and litigation will be brought upon you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We have paid off our account with this company back on XX/XX/XXXX and we still have not received or money back that was in are impound account $ XXXXwe have tried to call numbers times starting back on XX/XX/XXXX and we've been dealing with them ever since then we have called five times email back and forth talked over six to seven people over the phone and they keep giving the same things that the money is coming back to us but we have not received it it's been over 60 days now since it has been paid off according to the law they only have 20 days to give us back our money and we still have not received it.