23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

CCS COLLECTION is obligated to this Consumer with a NOTICE OF DEBT ; CONTENTS as propounded within 15 U.S.C 1692g ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ).

CCS COLLECTION has failed to comply with the Notice Requirements set forth within 15 U.S.C 1692g Validation of Debts, specifically paragraph ( a ), subparagraphs ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ).

CCS COLLECTION has failed to apprise this Consumer of his right to dispute and request validation of the information being communicated to XXXX XXXX and XXXX.

CCS COLLECTION has incurred liability under the FDCPA as a result of its failure to comply with the above mentioned title and section. ( See 15 U.S.C 1692k ( a ) ( 2 ) ( A ) ).

CCS COLLECTION is a debt collector who has regularly furnished negative/ adverse information about this Consumer and is therefore subject to the Fair Credit Reporting Act ( hereinafter FCRA ) CCS COLLECTION is obligated to comply with 15 U.S.C 1681-2 ( a ) ( 7 ) ( A ) ( I ) when furnishing negative/adverse information to a consumer reporting agency CCS COLLECTION furnished negative/adverse information about this Consumer to XXXX, XXXX and XXXX CCS COLLECTION has a duty to this Consumer to provide this Consumer with a written notice prior to, or no later than thirty days after, furnishing the negative info to a consumer reporting agency This Consumer has yet to receive a written Notice of negative/adverse information from CCS COLLECTION and the time allotted for doing so has since expired.

CCS COLLECTION has incurred statutory liability under the FCRA as a direct result of its failure to comply with the above mentioned title and section.
Product: Mortgage

After an XXXX account analysis, New Rez Mortgage company raised my monthly payment from {$1000.00} To {$1400.00} for XX/XX/XXXX payment. The payment increase is partially due to the over payment of taxes to XXXX County, Maryland by New Rez. 
On XX/XX/XXXX New Rez had paid {$1600.00} for taxes of XX/XX/XXXX through XX/XX/XXXX. Then I received another bill from the County for taxes. I immediately forwarded the new bill to New Rez through a fax on XX/XX/XXXX. In this bill the County acknowledges the receipt of the aforementioned payment, and had requested an additional payment of {$45.00} for the shortage. 
Instead of paying the requested shortage, on XX/XX/XXXX New Rez forwarded {$830.00} to the county. The county refunded the surplus of {$790.00} to New Rez on XX/XX/XXXX. So far, New Rez has repeatedly states that they don't know why the refund has not been applied to my screw account.

The Rez XX/XX/XXXX XXXX  account analysis is based on this over payment, in addition to projection of this over payment for XX/XX/XXXX.I have called their customer service many times over, and their customer service hang up on me because they are not competent to answer the simplest questions. 
I have also requested in writing for separation of XXXX account, so that I can pay my tax and insurance in a trouble free manor. So far not only they have not responded to these requests, but also have sent me an inflated bill of {$1400.00} for XX/XX/XXXX. 
Last year I complained to your agency for the similar XXXX account problem. Although New Pen fixed the problem, and I had paid my regular monthly payments each month,. they charged me 2 month of the late fees.
Product: Credit reporting

my issue is with Equifax credit reporting agency, they have items on my report that should be deleted. I have had this issue repeatedly with them, there was an item that was on my report fro the company XXXX in which they wanted me to pay them XXXX, which I knew was incorrect and I submitted a court document showing I owed much less and they somehow lost it three times and received on the fourth try. upon reviewing it and plus I gave them thirty days they told me on the phone because the company has my social security number that superseded the court order and the amount was correct. needless to say this item just finally came off my report. I talked to them recently about a XXXX XXXX item on my report that has been on my report for 11 years and that have been removed in 2012, I even called XXXX XXXX and they looked at it and evened agreed with me saying it should have been removed plus the account is closed. Equifax stated which have recorded that they charted on it and it will stay for 7 more years, which I know it is not correct. another issue that bothers me is that negative items are disappearing and my credit score is decreasing, which to me is making no sense. I have not had any new negative items added either.
Product: Credit reporting or other personal consumer reports

I requested a DETAILED dispute with equifax. I requested my signatures and any documents they had with my printed and signed name as well as the dates. I sent my dispute via certified mail and it was received on XX/XX/year>. Upon checking my equifax account I notice the dispute was opened on XX/XX/year> and closed on XX/XX/year>. How was the dispute done so quickly? I received NONE of the information I requested. Instead they updated the report with PUBLIC records. NOT factual data that I requested. Investigations should not take only ONE day to complete. The info I requested to see was not sent or made available.
Product: Mortgage

XXXX XXXX XXXX ( deceased ) & Executive of the Estate : XXXX XXXX XXXX with the Property XXXX XXXX XXXX XXXX, MA XXXX ; paid in full Loan # XXXX with Ditech Financial LLC ( " Ditech '' ) listed at XXXX. XXXX XXXX XXXX, IL XXXX with XXXX XXXX XXXX & XXXX XXXX XXXX 's XXXX XXXX Checking Account ending in XXXX in the amount of {$17000.00} on XX/XX/2019 after the Quitclaim Deed was recorded at XXXX County XXXX Registry of Deeds Book XXXX Page 27 on  XX/XX/2019 at XXXX. 

Ditech send the Escrow Overage Check to wrong address on file, to the heirs residing at XXXX XXXX  XXXX XXXX, MA XXXX, made payable to the deceased XXXX XXXX. The heirs notified me, XXXX XXXX, of the check and a call was made to Ditech Financial LLC concerning the error ; a stop payment placed on the check. After eight phone calls, and multiple hours of conversation, and sending over the requested documents proving acting executive of the estate and ownership of the property ; Ditech continued their dishonesty in regards to sending the final statement, note of the property paid in full, closing letter, and escrow overage check. 

Multiple times I was told by a Ditech Financial LLC customer service agent and Ditech 's supervisor on a recorded line that the check was mailed to my address on file for the property of XXXX XXXX XXXX, only to be notified an hour later that it was not mailed because more information is required. 

Ditech 's requested documents were send immediately by myself, XXXX XXXX, via email, multiple times per request. Ditech Financial LLC continued to not follow-up by any means of communication despite being told by their supervisors, that they would follow-up with this issue in a timely manner! 

Ditech Financial LLC has failed to provide any tracking information ( even when I offered to pay for certified delivery ) for the final documents and escrow check to be mailed by carrier of their choosing. Nor could Ditech Financial LLC verify that any documentation owed or checks owed were sent after the original. 

Over a dozen times I have called Ditech Financial LLC concerning this issue on both their recorded line and mine. Ditech Financial LLC has not delivered on their promises, and have since claimed bankruptcy and diverted all of their assets. I feel their intent was to never mail me the monies owed.
Product: Checking or savings account

On XX/XX/24 I opened an account on line with Regions bank and was assigned an account number, and I also signed up for on line banking. I also funded the account with a {$50.00} opening deposit. Later that afternoon, I stopped in to a local branch and picked up two debit cards and assigned PIN numbers - one for me and one for my wife. I also activated these cards. The next day, I attempted to deposit {$200.00} in cash. That deposit was declined. I then tried to use the debit card at my dry cleaner and it was declined. I called the customer service line and after being transferred to various people who could not help me I was told that a block had been placed on my account by a local branch and only that branch would help me. Today, I was able to speak with someone at the branch and they told me that the account was closed due to a report of fraud. No other explanation was provided to me. I was told I would receive a letter and was told to call something called " XXXX XXXX XXXX ''. When I asked for that number, I was told I could look it up myself. 

This process seems backwards. Why would a bank allow me to open an account, fund it, change my direct deposit and then two days later close it without a detailed explanation?
Product: Debt collection

15 U.S. Code 1681c2 - Block of information resulting from identity theft My identity was stolen and used in different unauthorized instances. This is another result of that same ill advised and unauthorized act of someone using my identity. This is unfortunate and should be treated as such.
Product: Money transfer, virtual currency, or money service

I am filing a compliant against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates 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 cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Inaccurate accounts appeared on my credit report today, and I have no clue why. My usual check showed these unexpected discrepancies, and refreshing my browser didn't fix it. The incorrect accounts stayed. I'm asking for a detailed review of the documents I've submitted to avoid worrying about this again.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX XXXX XXXX
Product: Payday loan

I did not apply for a loan. Received no money. But for some reason this company thinks I took at a loan. They showed me a contract that does not even remotely look like my signature. I told them to send me an affidavid and I remoke them from charging my account. I have looked at my account several times. There is not money there.
Product: Debt collection

On  XXXX   XXXX    XXXX  , I was invited to join  XXXX . I felt pressured into buying the  XXXX  membership which I did that day. I realized afterward that I made a very bad mistake and called to cancel but, I was told that I waited too long to cancel and now I was basically stuck with the cost of the membership. I then called the finance company :  XXXX   XXXX   XXXX  and told them that I was no longer interested in Direct buy membership.   I later found out that  XXXX   XXXX  cancelled the membership less than  XXXX  after  XXXX   XXXX  but yet they continued to bill me and eventually sent the account to OMEGA a collection company, this company has sent my account to the credit bureau and has ruined my credit. I have never used the  XXXX  membership and  XXXX  is no longer located in  XXXX  Texas.
Product: Credit reporting, credit repair services, or other personal consumer reports

The balance for equipment was paid and shows on my credit report as closed but it is still active
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER 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 was 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 are not relating to any transaction by the consumer. 
XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX OF XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 ; XXXX VERIFY XX/XX/2022 ; XXXX ; XXXX XXXX XX/XX/2022.
Product: Mortgage

I spoke with my mortgage company Specialized Loan Services XX/XX/XXXX when i lost my job due to COVID. A month later my husband lost his job. And the mortgage company Specialized Loan Services offered us Forbearance. I asked them if we would have to pay it back in lump sum and they said no. They asked us to sent them a Financial packet and they would get back to us on the payment plan. 
I called them several times and they told me my application was being reviewed. They also said in XXXX, XXXX, XXXX that they were behind and would get back to me. I paid when I could. I called them a month ago and and asked about catching up on my mortgage they told me they could not help me because they put our home in foreclosure and it was with the lawyer. 

They have sent me no documentation regarding a foreclosure, payment plan... what was owed???? And will not take my payment in full of {$24000.00} ... the amount that was on the XXXX bill XXXX. They also say that they can not tell me the exact dollar amount of what I owe. They say there are legal fees ... and other fees ... but again can not confirm the amount I owe and will not take my {$24.00}, XXXX amount that was on my XX/XX/XXXX bill. I spoke with a Customer Service Rep on XX/XX/XXXX and the approximate amount they gave me was {$9000.00} more than the amount they quoted last night. But again they can not confirm a " re-instatement '' price. 

Is this legal... I'm thinking that Specialized Loan Services is pulling a scam. The entire issue sounds illegal. I know the mortgage companies were given monies from the government to cover any losses they incurred during Forbearance so why are they trying to make money off this situation. 
I look forward to hearing from your organization. 

Specialized Loan Services XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX Phone number XXXX Sincerely A very disappointed consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported to all XXXX credit bureaus that I had a paid service to remove all debt from my credit in 2018 and this was not done when I pulled my credit reports. I filed disputes with credit bureaus about this and nothing was done. They denied my request without properly investigating my case and I know they used E-Oscar system. They did not do a thorough investigation at all. 

XXXX  XXXX XXXX XXXX XXXX that were in my name not the one I am an authorized user on. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX The credit bureaus are in violation of Section XXXX of FCRA. 


Thank you.
Product: Payday loan, title loan, or personal loan

It all started with a credit repair agency by the name of XXXX. They were supposed to settle with several creditors. In the end they only settled with two. I was told by them that they had found a company that would pay off all the creditors that they were unable to settle with. The next thing I know it was Cash Call that supposedly paid off {$18000.00} to creditors. I did not owe that much. The payments were so high and me and my family are struggling. I called and spoke to a representative and explained my situation. The original pay was for $ XXXX, and now it's {$400.00}, like that is some help. I explained that I was on a new job making less money. I will be paying this amount until 2025. 
All the creditors that was supposed to be paid went into charge-offs. I can't understand if that is the case what am I paying Cash Call for other than a mean nasty deal that got. I have read that XXXX and Cash Call are in the same building in XXXX XXXX, CA. I feel I'm being preyed upon by this lender. I don't think they will free me from this ill-gotten loan on their part. Thanks for any advice or help.
Product: Mortgage

My home was hit during Hurricane Irma as I was in evacuation area. 
We received over {$100000.00} of damage to our property. 
We asked for a forbearance as well as made a claim to our insurance provider. 
There are +- {$45000.00} at " Bayview '' which has not been released for much needed repairs to my home. 
For the last 3 weeks I've been emailing and calling my account rep to try and reinstate the past due balance and hopefully have the monies that are needed for repair released. 
To date I've not received either a call back or an email from my rep. 
This seems like a deliberate attempt to foreclose. 
All I have asked for is to reinstate and I cant even get my rep online, nor will ANYONE from Bayview return my call
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has released my SSN and other vital private information to the public without any recourse for me to be protected. While they are offering " protection '' ( quotes are important ) it removes any ability for me to be properly reimbursed for my time and expense to clean up any issues created by Equifax. It is important that the CFPB work with Equifax and other reporting agencies to determine everyone affected and to for no cost to those affected place an immediate credit lock on their reports for at least a period of 5 years. In addition the only way to remove this lock should be to contact, in writing, at the address on file from before the breech was committed, the person having their credit being queried, modified, or otherwise interacted with to prevent future fraud for those affected.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$14000.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Experian upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On the date of XX/XX/XXXX, complainant submitted a complaint with CFPB regarding inaccurate information on consumers credit report and requested for credit reporting agencies., XXXX XXXX XXXX XXXX and Experian to open a reinvestigation to discontinue reporting and then delete inaccurate information damaging consumers credit worthiness. 
Following the 30 days reinvestigation neither XXXX, XXXX, Experian, nor the original debtor could provide me with any documents to verify that i owe any debt connected to the following accounts : XXXX ( formerly XXXX ) Acct # XXXX - Date XXXX XXXX, XXXX and XXXX XXXX  ( XXXX XXXX XXXX  XXXX XXXX ) Acct # XXXX - Date XXXX XXXX, XXXX. Furthermore, there is a myriad of inaccurate and inconsistent account information ( e.g. inaccurate account type, Date opened, Payment status info, No. of months term, Last reported, Date last active, Date of last payment, and reporting of payment history. These accounts are obviously inaccurate and shall be deleted given their derogatory impact and should have never been modified to closed accounts. In addition to these inaccurate accounts complainant also disputes unauthorized and unverified hard inquires ; XXXX ( XXXX ), XXXX ( XXXX ), and Experian ( XXXX ). Please review all attached documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

The consumer reporting agency constantly keeps misplacing my identity theft reports. I have sent it 3 times by mail and each time I call and ask if they received it they say no they can not find it in the system. Then they direct me to send it again I am already dealing with identity theft why would I want to keep send my personal documents through mail if it is constantly being misplaced. The mailing system is not that incompetant. This is absurd, and then they refuse to remove these fraudulent inquiries on my report because they say that they need the identity theft report on file. How many times do I have to keep wasting money sending it to the, if they keep misplacing my documents. The last time I called the representative hung up on me. Since when can you hang up on a consumer? Who is going to be held responsible for misplacing my documents? I am stressed out by this it is such an inconvenience. These fraudulent inquiries need to be removed immediately so that I can move on with my life. 

XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX -XXXX Inquiry : XXXX XXXX, XXXX
Product: Debt collection

In XX/XX/XXXX, XXXX XXXX XXXX XXXX received written communication from me to cancel our membership in their vacation plan. I explained we moved to XXXX and could not use this membership anymore. I did not receive any information from them until XX/XX/XXXX stating this membership bill was sent to collections. I have since explained on the phone that my husband died in XXXX and everything was in probate. I was not going to pay this bill due to canceling our membership in XXXX nor now with the passing of my husband. They have put this collection on my credit report. I disputed it on XXXX, but it failed.