23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Convergent Outsourcing, Inc. have been harassing me about a debt that I do not owe via telephone and mail. i have told them numerous times that I do not owe any debt and that I am not paying any alleged debt. 15 USC 1692b ( 2 ) -Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; 15 USC 1692b ( 5 ) ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ;
Product: Mortgage

We tried getting a HELOC loan but in the process, we could not get approved. 
We didnt receive a denial email. 
Truist bank is who is receiving all active mortgage payments. 

We went and tried getting approved else where, that company told us they couldnt approve us because Truist was not on the title and XXXX XXXX XXXX was still first XXXX position on title. 
XXXX XXXX XXXX is the original mortgage issuer. With in a month XXXX XXXX XXXX assigned the contract to Truist Bank, no documentation has been provided, we have made attempts to locate it. 
We contacted XXXX XXXX XXXX for that assignment, but none was found, they did not record it with the county, showing XXXX XXXX XXXX is still first XXXX position and Truist is not on the title at all. My mother has the mortgage with Truist and has been paying her note but has been having trouble accessing her equity. 
When we were in contact with XXXX they said that they have a XXXX summary for the contract. We are confused in who has XXXX position and why we couldnt qualify. We have documentation of our current situation including : -Current mortgage invoice XXXX summary report -Title search ( we hired a XXXX party to conduct a title search ) -Original loan agreement with XXXX XXXX XXXX We are confused on the denial and who really has first position on the home. When we confront both companies they bounce us between each other going through numerous emails and hours on phone calls.
Product: Credit reporting or other personal consumer reports

I CALLED TO GET INFORMATION FIXED THEY DID NOT REMOVE WHAT I ASKED OR FIX THE NAME REMOVE THESE 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
Product: Debt collection

This company furnished my consumer credit report with false information regarding a debt that I do not owe. 

They failed to notify me of any actions or communications against me prior. Illegally attempting to collect debt. 

They have failed to verify any debts belonging to me and have failed to show evidence of any contract enter into by me. I never signed any contract with this company.
Product: Credit card

Hello, This is the third claim I have filed with the CFPB to address an issue that should have been resolved almost a year ago. 

Twice you have responded to me, acknowledging the error on your end in your CFPB statements, but I have never received the check for {$120.00}. 

I received a letter dated XX/XX/year>, stating that the bank would forward me the check " upon verification of the correct dollar amount, '' which, for some unknown reason, fails to be verified. I've seen such dismissive messages from you before. 

I demand that XXXX, who does not provide his last name in official responses, or another Executive Customer Relations representative in charge, facilitate and ensure that he or she sees the actual check leave your facility and provides me with an actual reason why this has not been done before. 

I want you to go to the department that declines to send me the check and demand a comprehensive description of the cause of such negligent behavior towards me. 

Stop messing with me. Either give me what is obviously owed or provide a reason why it's not possible!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on all credit bureaus from this company and I did not consent to the use of my report.
Product: Checking or savings account

Ive called US bank several times, the call is dropped after going through different process while on hold or being transferred by computer
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX of Birth : XX/XX/XXXX This complaint has been filed with the CFPB to formally request that you, as the credit reporting agency, block information from my consumer credit report that has resulted from identity theft and fraud, in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). 

The fraudulent, inaccurate, and false information includes : XXXX opened on XX/XX/XXXX, balance : {$500.00} XXXXXXXX XXXX opened on XX/XX/XXXX, balance : {$28000.00} XXXX CARD opened on XX/XX/XXXX, balance : {$75000.00} These accounts have led to fraudulent collections appearing on my XXXX credit report. I do not recognize these accounts or collections, as they were neither opened, made, nor initiated by me. All of the accounts and collections listed above are a direct result of identity theft and fraud. 

Attached, you will find a copy of FTC Identity Theft Criminal Complaint # XXXX, which serves as proof from the U.S. Federal Trade Commission that these accounts are fraudulent. I request that you take appropriate action within four business days of receiving this complaint. Thank you.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. XXXX XXXX XXXXXXXX BALANCED {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

I recently made complaint XXXX that has been closed after the company response. They did analyze my escrow and supposedly sent a check for {$440.00} on XX/XX/XXXX. I have not received this check. I have tried multiple times to call Mr. Cooper and have been unable to get through their deplorable computerized phone system to a person after holding for long periods of time. This is not the amount that was taken at closing for taxes plus what has been paid monthly into escrow for TAXES. There is still an amount that shows taxes will be in escrow for {$280.00}. My husband is a XXXX veteran and is tax exempt. This lender has also sent notification that our homeowner 's insurance is inadequate and needs to be raised or payment will go up even more! Insurance was deemed adequate at XX/XX/XXXX closing date by our CHOSEN lender. I am disturbed at the dishonesty of this lender and would like assistance in changing to a more reputable company. This is infuriating that mortgages can be sold and people who pay their bills on time can be harassed by dishonest huge companies attempting to steal from XXXX veterans.
Product: Credit reporting

Experian investigated the bankruptcy on my credit report but did not provided information on how they verified this debt. They have not provided he source and I know what do to other issues on my report I have frozen my lexis Nexis report. I do n't believe they actually researched this item. I contacted XXXX XXXX on XXXX XXXX, 2017 & spoke to a rep by the name of XXXX & she assured me that NO ONE from Experian verified anything in regards to my credit file & that my XXXX XXXX file is been frozen. I also contacted the XXXX XXXX XXXX on the same day & was also told that NO ONE from Experian verified any type of bankruptcy. I can provide documentation show I have a closed XXXX XXXX account if needed. But I would like this credit agency to provide proof as well. Rest assured that if Experian does n't comply, I 'm fully prepared to move forward with a lawsuit that 's in accordance with the FCRA & other laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is being filed due to Comenity Bank XXXX XXXX XXXX has fell to correct the inaccurate late payment that being furnished to XXXX, XXXX, and XXXX in regard to this account. I have made multiple attempts in trying to resolve this matter privately. I have shown Comenity Bank XXXX XXXX XXXX the error in the reporting of this late payment, which they have fell to correct, which is a violation under the FCRA. This will be my final attempt in resolving this matter before filing a complaint with the XXXX for arbitration. Comenity Bank XXXX XXXX XXXX has defamed my character by placing this inaccurate information on my consumer report.
Product: Prepaid card

Dear cfpb /cash app I am writing to express my extreme dissatisfaction with the recent handling of my account. I am currently unable to access my {$50.00} in the XXXX section of my account. I have attempted to withdraw this money and close my account, but I am being blocked. 

I have already verified my identity, yet I am still being asked to do so. I do not wish to verify my identity further and I do not want to close my account without receiving my {$50.00}. This is my money and I am entitled to access it. 

I demand that you immediately release my funds and allow me to close my account without any further verification. I have not engaged in any fraudulent activities or violated any terms of service. 

If this issue is not resolved promptly, I will be forced to pursue further action. 

Sincerely, XXXX XXXX
Product: Mortgage

I applied for a loan modification for my home since XXXX and have been steadily denied help to avoid foreclosure. PHH Mortgage has constantly been denying my application for three years, stating that I have been missing documents or there have been problems with the mortgage title. They denied my loan modification after waiting a month for information on whether it had been approved or not. According to Civil Code section 2924.10, a servicer must notify you within five business days of any missing information, other errors, and deadlines for completing your application. PHH Mortgage has not done that and has waited a month to deny my application, stating that I did not send in the correct documentation. In XXXX, I applied for a loan modification, and it was approved. I made the trial payments on time, and then a month later, I was denied saying that there was a problem with the mortgage title. I called and asked them what the problem was, and they told me I had a lien on my mortgage title, but they didn't know what the lien was for. I was reassured I could apply again, and it would be approved. I have been applying since XX/XX/XXXX for a loan modification. A month after I apply, I will get notified that I am missing documents. In XXXX, I applied AGAIN for another loan modification. It was approved, and I started making the trial payments for three months on time. Also, in XXXX, a valuation was done on the property showing the TITLE/LEGAL ISSUES box was checked off as NO. On XX/XX/XXXX, I received a letter saying that my loan modification was denied AGAIN because I didn't send in my living trust. I applied again, faxing my living trust and a new loan modification application. I got a letter two weeks later stating that I submitted all the required documentation and that no further documentation was needed. Today on XX/XX/XXXX, I got a letter stating that the loan modification was denied because I didn't meet the agreement. I called PHH Mortgage, and they stated that I didn't show them proof that the lien was taken off the mortgage title. They never asked for more documentation other than what I had given them, and they sent a letter stating that they had all the documentation. I feel like this company is not trying to help its customers. PHH Mortgage has been sued twice before this as well. I am now facing foreclosure, and I am devasted and stressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX ... this account is a charge off and was disputed as being reporting as unverified and inaccurate but on all occasions the company and the credit bureaus have not done anything except to respond saying the account is verified. how can a chargeoff be continuously reporting late payments when its a closed account meaning no new information should be reporting. plus they have a monthly payment and past due reporting on a so called chargeoff account. that is a violation
Product: Mortgage

During XXXX I had set my mortgage up with a XXXX  month forbearance in XX/XX/2020 at 5/3 Bank. My account was not to be considered past due a d all unpaid payment needed to be caught up by end of forbearance. I was late with XXXX payment due in XXXX, but caught up everything within 60 days. This 30 day late on my credit report is causing issue when trying to put purchase vehicles or if I apply for credit I am turned down for reasons such as delinquent mortgage. I would like the 30 days late removed. It was in forbearance and during pandemic when ability to work was shut down.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ... ...... 

XXXX XXXX Acct XXXX XXXXXXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX Acct # 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.
Product: Debt collection

A debt validation letter was sent to the company Bull City Financial Solutions , Inc. located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX. The letter was sent on XX/XX/2021 and received on XX/XX/2021. A follow up debt validation letter was also sent out on XX/XX/2021 and received on XX/XX/2021. As of today, XX/XX/2021 I have not received the correct information to validate this debt. The company has failing to validate this debt but is still reporting the account on my credit report.
Product: Vehicle loan or lease

On XX/XX/XXXX and XX/XX/XXXX my credit was fraudulently ran without my permission or consent. I have been a victim of fraud and Identity Theft. On XX/XX/XXXX I signed up for XXXX XXXX   because I have received several letters for credit that I had no knowledge of and to have a better understanding I needed to know what was reporting on my credit file. I immediately called the company phone number listed on the correspondence only to be transferred to and from numerous departments being left on hold and then the phone being disconnected but promised a transfer to someone who I can report this fraud. I am desperately seeking someone to help me with this matter because its obvious they will continue to ping pong with me because it isnt them and they probably could care less because the fraud is not happening to them and its not fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX- XXXX of XXXX I filed a dispute with Experian credit bureau about the XXXX XXXX -- Account number XXXX. months I have not received a notice in over 45 days and my report shows that this account is still in dispute. This unverified account was removed from XXXX in XXXX of XXXX  and still remains in dispute on Experian. I am aware that this 30 non response is a violation of the FCRA. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you
Product: Money transfer, virtual currency, or money service

I 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 redress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit card or prepaid card

I cancelled an American Express personal card in XX/XX/XXXX at which time a customer service representative told me they would credit the account for an outstanding annual fee of {$95.00} since I was cancelling the card. Then I opened a new card in XX/XX/XXXX and began using it without any issues. In XX/XX/XXXX, charges on the new card were declined because American Express was showing an outstanding balance of {$95.00} on an old card. Customer service basically held me hostage with the {$95.00} balance that was supposed to be credited to my account and required me to make that payment, despite it not being owed, if I wanted my new card to function again. I made the {$95.00} payment, but I dispute that I owed that amount and am amazed that American Express would treat its customers like that, especially those of us that are consumer and small-business customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, want to raise this issue with paypal. My account to them is tapbobed @ XXXX. 

Somewhat in XXXX or XXXX that paypal just limit my account. I tried resolving this but they didn't either accept or rejected my documents that they are asking more. What should I give more if that's only what I have. What more they need to know, the important informations are all there. I didn't do anything wrong. I just do online jobs which my clients paying me through paypal and my client is not alone since this small job that i saw in freelance website. 

I taught after 180 days they will release my money but rather they took it and now my balance is zero. They insisting that i made a violation in their policy, i ask them what specific violation i made but they didn't provide. Is this fair for them just to took the money of others like me. How many more individual they are doing this. I think this paypal should be shut down.
Product: Credit reporting, credit repair services, or other personal consumer reports

My FICO score dropped drastically for no apparent reason. My FICO scores changed as follows : XX/XX/XXXX = XXXX, XX/XX/XXXX = XXXX ( drop of 102 points ), XX/XX/XXXX = XXXX. <P/>These FICO scores were obtained free-of-charge through my XXXX account. After some investigation, I found that the FICO score is based on the TransUnion credit score. I checked the TransUnion score on XXXX XXXX and, sure enough, it dropped during the same time period. XXXX XXXX reported the following for my TransUnion scores : XX/XX/XXXX = XXXX, XX/XX/XXXX = XXXX ( drop of 61 points ), XX/XX/XXXX = XXXX. <P/>I ordered a copy of my TransUnion credit report and can find no reason for the sudden drop in XX/XX/XXXX. I called TranUnion for an explanation but the person that I spoke to ( XXXX ) simply repeated that I would have to go back to the company that reported the negative information. I stated that there IS NO negative information based on your own report. She repeated the same answer several times as we went back and forth with this. I finally asked to speak to a supervisor. After being on hold for approximately five minutes, she came back on the line only to say that all the supervisors are in a meeting and she ould have one call me back. She confirmed my contact information and we ended the call. I have not yet received a call back from a TransUnion supervisor. <P/>I want to know why TransUnion dropped my score so drastically ( subsequently affecting my FICO score ) when there is no derogatory information on my credit report. I worked very hard to get my score where it was and I 'm looking for an explanation. If it is based on some credit behavior of mine, it is most definitely not apparent what that behavior was since there has been NO derogatory behavior on my report in the last five years! <P/>I will provide my full TransUnion credit report ( dated XX/XX/XXXX ) upon request ; I 'm not comfortable submitting it through the web portal.
Product: Debt collection

I mailed a debt validation letter on XX/XX/XXXX to Portfolio. Listed were 2 accounts Re : Original : XXXX XXXX XXXX XXXX Balance : {$3400.00} Opened : XX/XX/XXXX Re : Original : XXXX XXXX XXXX Balance : {$1600.00} Opened : XX/XX/XXXX I asked for the following : o Proof of my agreement to pay the original creditor ; o A copy of the final account statement issued by the original creditor ; o A breakdown of the total amount due, showing principal, interest and other charges ; and o For all other charges, the date of and basis for each charge. 

I failed to get a response back from Portfolio. On XX/XX/XXXX around noon, I call Portfolio Recovery Associates, and asked for the DVL to be mailed to me for the two accounts above and this account they had listed : Re : Original : XXXX XXXX XXXX XXXX {$2200.00} Opened : XXXX The representative said she was mailing the 3 accounts.. It has been 10 business days and they have not responded. 

If Portfolio does not have proof of the debt they must remove this information from my credit report.
Product: Credit reporting or other personal consumer reports

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I 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 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: Debt collection

This company sent my husband XXXX XXXX a notice late XXXX or early XXXX stating we owed XXXX XXXX XXXX XXXX. I then disputed it with them telling them the dental office should bear this debt due their lack of communication in letting him know this would not be covered by the insurance like they had in previous months. It was their responsibility to contact the insurance ( as they had previously ) to inform their patient what would be covered. I wrote Radius Global Solutions and in turn they sent back a message with NO DUE DATE to provide proof. But no explanation of the type of proof needed. Their letter did not address what I stated as the issue but gave no real direction. Next thing we know without warning, they put a collection notice on XXXX 's credit report and ruined his credit by XXXX points. It is not fair or just how they did their business.