23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to formally dispute a debt collection claim filed by Hunter Warfield on an alleged debt of {$230.00}. This debt was supposedly purchased from XXXX XXXX. However, I have never entered into a contract with a company called " XXXX XXXX. '' My original agreement was signed with XXXX XXXX XXXX XXXX, which I believe to be a distinct entity from the one involved in this collection. 

Given this discrepancy, I do not believe that the debt being pursued by Hunter Warfield is valid, as I have no record or signed agreement with the entity they claim purchased the debt.

I respectfully request your assistance in investigating the validity of this claim. I would like to ensure that no unlawful or incorrect debt collection practices are being pursued against me. Furthermore, I request that Hunter Warfield cease any further collection attempts and provide proof of the debt 's validity.

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue.
Product: Mortgage

Specialized Loan Servicing ( SLS ) assumed my home equity loan from XXXX  XXXX XXXX in XX/XX/XXXX. I received no written notification that this had occurred, which from what I have read is required by law at least 15 days prior to my loan being sold. I applied for a new loan with XXXX XXXX in XXXX to pay off this loan after reading the reviews of SLS. I was to sign the papers for this loan today ( XX/XX/XXXX ). However, I received a phone call from an officer at XXXX XXXX  facilitating my loan today in which he stated SLS had filed an additional complaint to the credit reporting agencies, today, saying I was 120 days delinquent. I didn't find out until XXXX XXXX XXXX XXXX had sold my loan when I went in and spoke to an officer and was informed by him that that was what happened. I was told by him they had mailed a notification of this to the address I lived at when I took out the loan. I haven't lived there for 12 years and they have all my current address and telephone information because I still bank with them. So is XXXX XXXX XXXX 's incompetence my fault? 

I didn't make payments from XXXX to XXXX because I had no idea where to make a payment. Yes, I should have gone to XXXX XXXX XXXX when that loan disappeared from my accounts. My bad. However, SLS during that time period made no attempt to contact me and they can't say they couldn't get my current address and phone number from XXXX XXXX XXXX. There are no other companies - mobile phone, power, water, etc ... that wouldn't notify you if you were past due on a bill after a month. This was done deliberately by them, of this I have no doubt, in the hopes they would be able to foreclose on my house. 

As soon as I did contact SLS I brought my account up to date. They then told me my XXXX payment was for the amount of {$740.00}. My loan was converted to a fixed rate option in XX/XX/XXXX. My payments are {$460.00} per month. By telling me that's what my payment was they committed fraud. A lawyer told me they can't increase my payments and I pay my taxes and insurance myself. As I far as I'm concerned they owe me {$280.00}. And I was told by representative of SLS that my XXXX payment and all after were going to increase to approximately {$810.00} no explanation as to why. 

I want the 120 day delinquency removed from my credit report because they broke the law by not sending me written notification, to my current address, that they had assumed my loan in XX/XX/XXXX. I want this done so I can secure a new loan with an honest bank in order to pay them off and get out from being under them. I had never missed a payment until they took this over and I wouldn't have if I had known who to whom to make a payment. SLS is company run by low lifes who profit off other peoples misery ( please read the reviews online, that is if you have a strong stomach ). Hence, the over 600 complaints to the XXXX XXXX XXXX  in one year and over 2,000 to the CFPB. Specialized Loan Servicing should be the poster child for corporate greed in America.
Product: Debt collection

This company repeated calls me various times a day never leave a voicemail and when I call back they won't disclose who they are to me. They immediately ask for my information and then they sent me 2 different people personal information in the matter of minutes via email. When I called to inform them they said stop the scheme I'm trying to commit because they cant5help me amd that they will always report to my credit report as negative. I informed them that thats bad practice then they transferred me to a " manager '' the manager dismmissed what I said about the othwr associates I spoke to amd dissmissed what I said about the company sending me other people information that wasn't mine. The manager only concern was to receive a payment from me. I informed the manager that I did not feel comfortable because how the associates spoke to me and the fact that I now have their other customers information that they sent me. The manager then said oh well and hung up.
Product: Credit reporting or other personal consumer reports

viewed my credit report and noticed that there are fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach inXX/XX/XXXXthat they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 
I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach and covering the cost of any fraud that this may cause. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account balance reported to all 3 credit bureau is incorrect it's higher than my actual balance they also reported my account has increased it has not it has lowered
Product: Debt collection

THE BUREAUS INC, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Is aggressively attempting to collect on the debt that is not mine ... Numerous attempts to request validation of this debt from them went ignored. Yet they are reporting this to all 3 CRAs on monthly basis further damaging my credit. They claim to be collecting from or on behalf of Original creditor XXXX XXXX XXXX XXXX whom I don't recognize and the original creditor is NOT reporting on my credit report. 
Few letters came undeliverable that were address to The bureaus inc, to the address reported to credit bureaus ( see attached evidence ) I find this account being erroneous, illegal and in violation of FCRA rules and regulations
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 1681 E ( B ). I am entitled to an accurate consumer report. I have disputed these accounts numerous of time and they return as verified. Now, In the State of Georgia the Statute of limitations on a written contract in the State of Georgia is 6 years. This account must be removed off my consumer report immediately. XXXX XXXX  Allegedly {$4700.00} high balance. Allegedly Balance owed XXXX. This account must be Deleted immediately. I will file for remedy for reporting inaccurate information on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is accounts on my credit report that are fraud and I didn't authorize.
Product: Credit reporting or other personal consumer reports

Subject : Notice 15 USC 1681s INCORRECT NAME ON CONSUMER REPORT Dear CFPB, Transunion is intentionally reporting incorrect name under my consumer report. Despite multiple notices and requests to correct this information. 15 U.S.C 1681s2 ( A ) ( 1 ) A states 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. 15U.S.C 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Transunion Consumer Relations is not maintaining reasonable procedures.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 
Please delete the following accounts : XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT # XXXX XXXX XXXX XXXXXXXX ACCOUNT # XXXX XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX US BANKRUPTCY COURT XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In dispute on my Transunion credit report is Reference # XXXX / Closing Date : XX/XX/2017 / Court : U.S. Bankruptcy Court ; Transunion VERIFIES this account without verified proof of investigation, which is a violation against Texas consumer state law and Fair Credit Reporting Act. Additionally, In accordance with the Fair Credit Reporting Act ; 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account # XXXX / Closing Date : XX/XX/2017 / Court : U.S. Bankruptcy Court ; Because the Courts and XXXX  Do not share this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian on XX/XX/2020 letting them know that the addresses and phone on the website are not accurate in Information.I try to file a dispute to EXPERIAN have credit inquires removed off my report.I submitted a cease and desist order to tell XXXX XXXX to stop running my credit on XX/XX/2020 I currently have a pending court case XX/XX/2020 regarding the cease and desist order violation. 
I asked to speak to a supervisor with Experian because the customer service was refusing to accept my dispute.I explained to her the addresses and phone numbers were wrong I called the numbers they are disconnected or voice mail is full and I mailed out letters but address was not valid returned back to me. 
XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Phone # : ( XXXX ) XXXX XXXX XXXX/XXXXXXXX XXXX Inquiry Date : XX/XX/2020 Phone # : ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2020 XXXX XXXX XXXX XXXX   Inquiry Date : XX/XX/2020 Phone # : ( XXXX ) XXXX XXXX/XXXX XXXX  Inquiry Date : XX/XX/2020 Phone # : ( XXXX ) XXXX XXXX/XXXX XXXX  Inquiry Date : XX/XX/2020 XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Phone # : ( XXXX ) XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/2020 Phone # : ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Phone # : ( XXXX ) XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Phone # : ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I requested a forbearance with Freedom Mortgage and it was accepted and followed exactly. I am now current and did everything as requested including documentation. 

When recently trying to get a small loan to pay off some home improvements I was told I had a 120 day late payment on my mortgage. Obviously this is absolutely NOT accurate. 

I tried to settle this with Freedom Mortgage and they said that even though it was an agreed forebearance they still reposted it as late. 

So here I am
Product: Money transfer, virtual currency, or money service

I am filling 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 process was unfair and deceptive as that do not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions has caused significant inconvenience and financial loss and I seek appropriate readdress for these violations.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXXXXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

my XXXX account it reporting incorrectly. 
my card balance should show as {$730.00}
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I called Experian to have all Names, Addresses and Phone numbers that are no longer associated with me to be removed from my credit file. I also requested all soft inquiries to be removed. The company, by law is required to remove the information from my file within XXXX hours, yet the information persists. I am requesting that the items that are highlighted in the attached document be removed immediately.
Product: Mortgage

On XX/XX/2017, Ocwen Loan Servicing removed the so-called mortgage account from all three major credit reporting agencies and then responded to my CFPB complaint explaining why Ocwen agreed to delete the account from all three major credit reporting agencies. I attached Ocwens written response to CFPB but I am holding on to XXXX XXXX written response directly to me so it can be used in litigation when I file a new lawsuit against Ocwen and PHH for causing me further harm. Ocwen transferred the loan to PHH who is working in-cahoots with Ocwen. PHH and Ocwen are pretender lender loan servicer 's who are making errors intentionally reporting the so-called mortgage loan back on all three major credit reports intentionally reporting inaccurate information to slander my credit so the pretender lender loan servicer 's can cause me more extreme harm after we settled our dispute in litigation. I have made several attempts to get access to my mortgage statements on PHH website but was unable to. I made several attempts to speak to a live PHH representative but was unable to. PHH and Ocwen both once again attempting to pull another scheme on me. Ocwen and PHH are both intentionally selling my personal information to 3rd parties so they can harass me and rip off my home. I am paying my mortgage payments blind folded because I do not know what payments are due after Ocwen intentionally did not cash one of my mortgage payments during the time Ocwen transferred the shuffled up loan file to PHH. I recently disputed the PHH loan reporting on my credit two times but the PHH minions keep slandering my credit reporting inaccurate information to cause me harm. I have no option left other then to file a lawsuit against PHH.
Product: Checking or savings account

I filed a fraud/scam complaint with Regions Bank for {$500.00}. This claim was denied because of lack of documentation. I resubmitted with documentation. The bank denied it again and told me to resubmit the claim again hoping to get a different person to review and approve it. That sounds absolutely bonkers to me. The bank sees me a small nuisance. Im not a large depositor so theyre mistreating me. I have never submitted a claim to them before. They need to help, not kick the cam down the road. Claim # XXXX
Product: Debt collection

Amex This account has been incorrectly classified as a charge-off, but it is considered income, for which I should have received a XXXX to report. This is neither a valid charge-off nor a debt and should be removed from my report. 

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for XXXX Form for Cancellation of Debt Dear American Express XXXX XXXX recently noticed that the account associated with XXXX has been marked as a charge-off on my credit report. However, I do not recall receiving a XXXX form for the cancellation of this debt.
Product: Checking or savings account

I called Bank of America to remove a deceased individual from my account. The estate did not have to go through probate, due to size per probate judge in New Jersey. I visited the Bank of America branch in XXXX, New Jersey to remove XXXX XXXX XXXX from the joint account ( XXXX XXXX XXXX ), and again in XXXX at the XXXX XXXX XXXX in XXXX, TX. I tried to remove XXXX XXXX XXXX again this week and found my accounts with a 50 % hold until I submit NJ XXXX forms and another death certificate. This has been done twice already. I found the estate case XXXX, XXXX XXXX, very condescending and not helpful. He offered to send the necessary forms to my email, but these were not received. I had asked to speak to his supervisor, XXXX XXXX, but was told she was not available and would call in 48 to 72 hours ( I phoned on a Friday, so this was not possible ). I believe the holds were retaliation from threatening to remove my accounts from my impatience of having to do this for a third time. My funds are still on hold and restricted. I work for the XXXX, so if checked get returned for XXXX, it could cause me to lose my job. I spoked to the estate department 's customer service again at XXXX XXXX Central today ( XX/XX/XXXX ) and was promised a call back within 15 minutes, but never received a call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I disputed a collection that hit my credit report to Equifax on XX/XX/XXXX. It is from XXXX XXXX for a XXXX bill for {$150.00}. I have filed a complaint with the company as well. Equifax responded back on XX/XX/XXXX stating the account is verified. How? I have an account with XXXX and still have cable so this information is wrong. Ive had multiple companies try to put this XXXX account on my credit. I was given no notification that this would be back on my credit. Nothing had been sent to me regarding how this information is correct. This account is not mine and it has not been validated
Product: Credit card

I booked a reservation with XXXX. As I approached the destination, I was nearly attacked by people in the neighborhood. I drove to a safer area and reported the incident to XXXX, prior to my check-in time. I told XXXX that I was not going back to the area of the reservation, that I expected a full refund ( not being charged any amount given the circumstances ). The next day, I also provided proof to XXXX that the host messaged me details which indicated that the listing was inaccurate. XXXX took three days to refund me, and they kept 3 nights of my original reservation payment, despite that I never officially checked in and spent those 3 nights in my vehicle. I was charged for services that I did not receive. I filed a dispute with Citi on XXXX XXXX given how XXXX was sluggish to simply refund me. After initiating this dispute, I spent almost XXXX hours across 5 months fighting for the refund I was rightfully owed. I provided them various proof of all that happened -- messages from the merchant 's platform, proof that the listing was inaccurate, and phone call logs of all of my attempts to resolve the situation. Citi was quick on several occasions to send me a " canned '' response, and there were absolute indications that Citi did not exercise due diligence to protect me as a consumer, for a situation where my life was endangered. During one of my last attempts to address the dispute with Citi, a manager in the credit card department had the gall to debate with me about my dispute. I am certain that if the appropriate governing entity were to audit the investigation Citi performed, they would find obvious evidence that Citi failed to follow protocols to protect me under credit laws. This credit card has been open for at least 8 years, and I have spent hundreds of thousands on this card as my primary method of payment. I would close the credit card, but that would have a negative impact on my credit score. I will barely use this credit card going forward, since I can not rely on Citi to follow basic protocols that other credit card issuers follow to protect consumers. I already closed my Citi savings account.
Product: Checking or savings account

We spoke to Citizens Bank on XX/XX/19 in regards to placing a hold on our account so no unauthorized charges could come out as we are disputing charges from wepay as they are not authorized to take any funds from our account. We sat on the phone with Citizens for upwards of two hours total to get a hold put on our account so nothing could be withdrawn and only deposits could come in. The customer service representative assured us nothing further would be withdrawn. And they advised us to open a new account so we could stop this from occurring again, as {$450.00} was already withdrawn previously without our consent. Then today I check our account and there was another withdrawal of {$240.00} from wepay which we were told would not occur. On both occasions this put our account well into the negative and as a one income household this was something we could not afford. So yet again after the lengthy conversation we are out nearly {$750.00}. I have already spoken to them and unable to get this money returned to us.