23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to file a formal complaint against Convergent Outsourcing for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Convergent Outsourcing is reporting an account on my credit report that I dispute, and they have failed to validate the alleged debt despite my repeated attempts to obtain proper validation. 

Details of the Complaint : Failure to Validate Debt : Under 15 U.S.C. 1692g of the FDCPA, consumers have the right to request validation of alleged debts. I have made multiple attempts to request debt validation from Convergent Outsourcing, but they have failed to provide sufficient documentation, including proof of the original creditor, the amount owed, and evidence that I am responsible for the debt. Without proper validation, their collection activities are in violation of federal law. 

Improper Credit Reporting : Convergent Outsourcing continues to report this disputed and unvalidated debt to the XXXX XXXX  credit bureaus ( XXXX, XXXX, and XXXX ). This is a violation of 15 U.S.C. 1681s-2 of the FCRA, which requires furnishers of information to ensure the accuracy and integrity of the data they report. Reporting a debt without validation constitutes inaccurate and misleading reporting. 

Harm Caused : The improper reporting of this unvalidated debt has negatively affected my credit score and caused financial and emotional distress. This has hindered my ability to access credit and other financial opportunities.

Relief Requested : I request that Convergent Outsourcing immediately validate the debt in compliance with the FDCPA. This includes providing documentation that verifies the debt, identifies the original creditor, and confirms the amount owed. 

If the debt can not be validated, I request the immediate removal of the account from all three major credit bureaus. 

Written confirmation from Convergent Outsourcing stating that the account has been removed or, if validated, providing all supporting documentation. 

Proposed Resolution : To resolve this issue, Convergent Outsourcing must either validate the debt or remove the account from my credit reports. Failure to comply may result in additional complaints to the Federal Trade Commission ( FTC ) and potential legal action to protect my rights under the FDCPA and FCRA. 

I kindly request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and ensure that Convergent Outsourcing adheres to federal laws regarding debt collection and credit reporting. 

Thank you for your attention to this matter.
Product: Money transfer, virtual currency, or money service

Flagstar Bank has very few branches, so anyone who may not have formal banking services where they can deposit a check will struggle cashing a check from flagstar bank, and may find additional struggles with cashing their check if it originates from signature bank whith whom flagstar bank has merged
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a modification from Rushmore on XX/XX/2021. I didn't pay the XXXX mortgage but called the modification department 4 or 5 times to ask if I needed to pay the XXXX Mortgage. I was told by each representative that I clearly didn't have to make a payment since my trial period would star in XXXX. I was also told that I wouldn't receive any credit reporting on my credit report until XXXX. I then received a letter from Rushmore on XX/XX/2021 that loan was being transferred to a new mortgage company XXXX as of XX/XX/2021. I paid the first trial period payment on XX/XX/2021, before the loan was transferred in accordance with the Trial Period agreement. Just this week after my loan has been transferred Rushmore reported me 60 days late on my credit report. I filed a dispute with XXXX and Rushmore refused to change the reporting even though I honored the Trial period and paid the first payment timely. At the time I was not behind on my mortgage when I received the modification. I would like this removed especially since it was told I didn't have to pay XXXX and my trial period started in XXXX.
Product: Credit reporting or other personal consumer reports

The following accounts are in violation of the FCRA. The following accounts are reporting as late, I have NEVER been late on these accounts. 

-- -XXXX  XXXX acct # XXXX, opened XXXX -- XXXX XXXX XXXX acct XXXX XXXX, opened XXXX -- XXXX XXXX XXXX XXXX acct # XXXX XXXX opened XXXX -- XXXXXXXX XXXX  acct # XXXX, opened XXXX
Product: Mortgage

We shared this farm/home with my grand-son-in-law & our Grand daughter. He & I our on the deed & loan too! As a 100 % XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They were having many other problems too he would move out, then back in ( she tried saving the marriage over & over ) Unknown to us he wasn't paying the mortgage and was hiding the mailings & bills too! After getting a foreclose notice to our unpleasant surprise we installed a locking mail box court ordered to stay off the land, called Nations lending explaining what happened and applying to assume the mortgage totally my wife & myself ( court has ordered him off the loan & land too ) this has been going on since Last XXXX  sent them everything they have asked for too We have excellent credit too and the income needed too! This is just like the trouble he filed a complaint back on XX/XX/2020 for they take for ever it must effect my wife & my credit badly too because of the time frame on the assumable mortgage is taking, We can afford the assumble mortgage but they are putting us further behind & not taking payment too We are on all the original & refi mortgage paperwork too should be fast and easy, but not with them Please help
Product: Payday loan, title loan, or personal loan

I need an immediate phone call please from someone in the executive/senior level of Lending Point. I have been attempting to make a payment since the beginning of XXXX and because of Lending Point system failures, and staff unwilling to recognize their errors or their team 's, i I have been unable to do so. Lending Point also fails to deliver what is promised, and has passed my account continually to different individuals. They do not properly document or pass on information to the system or to each other.
Product: Credit reporting or other personal consumer reports

The unverified account indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
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

I have contacted XXXX by email and by phone this year. I have asked them to provide proof of the collections item that was sold to Amsher. The only thing I am constantly told is I just owe it. I am a consumer and I feel that I am entitled to a ledger that shows how I owe something from 2010. I have asked for a ledger and I have waited the 30 days or more for the XXXX back office to provide it and it has not happened. I have even asked that if the debt could not be proven to at least write it off. I can only be sent a statement with an amount but not anything with line items. I have suffered with a lower credit score due to this error on my XXXX and XXXX credit reports. There are many other experiences that have been shared by others who have disconnected service with XXXX and after a few years have a negative collections item to appear on a credit report. How can this be removed? I need all of the assistance that you can provide.
Product: Payday loan, title loan, personal loan, or advance loan

I made the payment a month early, and was charged {$5.00} a day I career for late fees.
Product: Credit card or prepaid card

Discover Financial closed my credit card account inappropriately. I have been a loyal customer to Discover for 10 years and never missed a payment ever. I entered into a payment program in XX/XX/XXXX to pay down my credit card through discover, it was paid off in full in XXXX of XXXX. They never re-opened the account, and then I get an email in XX/XX/XXXX stating that they are closing my account. This has directly negatively affected my credit score that I have been working so hard to rebuild because now my oldest account has been closed and my available credit amount has been decreased by {$9400.00}. How can a company do that to such a loyal customer who has never missed a payment and was only taking advantage of the programs that Discover bolsters and brags about to help people make payments. I was given no answer to why my account was closed and when I spoke to the executive office on XX/XX/XXXX they state " we can not tell you what we look at because it's an internal process. ''
Product: Credit card

On XX/XX/23, I realized my XXXX had been stolen while I was out of town in XXXX, TX. My XXXX had my Chase Sapphire Credit Card linked to XXXX XXXX. The thieve ( XXXX ) who stole my XXXX were able to break into it and then create a new recovery key to lock me out of my XXXX ID ( I found this out later when I was able to regain access to my email ). They then charged approximately {$40000.00} over 32 separate transactions ( {$40000.00} to be exact ) to my Chase Credit Card at the XXXX XXXX XXXX store in XXXX in a matter of hours. This was even over the credit limit on the card ( {$32000.00} ). In the years that I have had this card I have never even came close to this limit. I called Chase that day to report that my phone had been stolen and to cancel the card. They initially labeled the charges as fraud and cancelled the card. Within a few weeks, Chase took the charges off of my account. Roughly a month and a half later, the Chase Fraud Department called requesting additional supporting documentation to support my fraud claim. That same day I sent over a copy of my XXXX Police Report as well as my Identity Theft Report. Three days later, without even calling me, they closed the case claiming they did not receive the documentation. They then charged the {$40000.00} back to my account. I immediately called Chase Fraud and they were able to find the documents and told me the case was re-opened. After a few days passed, I called Chase Fraud back and a supervisor told me they could not pull up the Police Report and also informed me that I need supporting documentation from XXXX ( proof of a receipt that I bought a new phone ) as well as documents from XXXX ( proof that I reported my phone was stolen and my XXXX XXXX  was compromised ). I sent them my XXXX receipt from the XXXX store in XXXX, TX showing that I purchased a new cell phone the same day that my phone was stolen ( XX/XX/23 ). I also sent them an email I received from XXXX on XX/XX/23 that included my Case number. A supervisor from Chase Fraud called me back telling me that there was still not enough documentation for them to reverse the charges. I have since sent them even more documentation including my Apple Case notes regarding my lost iPhone/Compromised Apple ID, an email from XXXX of my account notes ( stating that my phone number was suspended lost/stolen and added to the negative list on XX/XX/23 ), and emails exchanged with the XXXX PD Detective regarding the Credit Card Abuse reported XXXX Chase Fraud is saying there still is not enough supporting documentation provided to reverse the charges and has closed the case again. As a customer, I feel completely mistreated by the Chase Fraud Department. I have consistently given them the documentation they have asked for and even more to prove that these charges were not made by me.
Product: Checking or savings account

I had a checking account at HSBC that I funded in the XXXX 's. My branch is located in XXXX XXXX, Florida. A few years back HSBC decided to close my account. Upon closing they gave me a check in the amount of over {$100000.00} for the balance in my name. The issue is that they would not wire the money to my foreign account, as I am a foreigner, and when they cancelled my account it made it so that other banks in XXXX will not open an account for me. Therefore HSBC has been holding on to my money for years and refuses even after being contacted by my attorney to wire my funds to me. HSBC can not dictate how I receive my funds, and if they are allowed to only give me a check I may never receive these funds. I have not only lost these funds but the interest and growth from its use so I am substantially damaged.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian shows all of my student loans in default. I contacted my student load provider and they confirmed that I have never been in default. They stated they have never reported that I have been in default and they even sent me a letter showing that I was in good standing. When I called Experian to discuss this with them, they blamed the student loan company and told me to call them. When I explained that I did and they even provided a letter stating that I was in good standing, they said well start a dispute and in 30 or so days someone will contact you updating you on the status. 

Experian shows my home mortgage account closed, when in fact it is open. 

Experian shows other accounts as delinquent when they have been paid in full. 

When I call Experian I wait on hold to speak to someone who belittles me and acts like I, or the company I obtained credit with, is to blame. I have yet to find a competent person to help resolve my issues. This is very frustrating as who else am I supposed to call?!?! I have no choice in the company that provides credit reports, I am never satisfied with the level of customer service I receive and it takes weeks to get anywhere with a dispute or even an inquiry. I am beyond frustrated.
Product: Checking or savings account

On XX/XX/XXXX at XXXX XXXX stopped at the Bank of America in XXXX, California to use the ATM to make a credit card payment using cash since it was after business hours. I put in {$2200.00} in the machine which counted the currency and returned {$100.00}. When it asked if Id like to insert more bills I reinserted the {$100.00}. The machine froze and started repeatedly beeping. Once unfrozen the ATM screen showed We apologize for the inconvenience. We are unable to process your request and can not return your item ( s ). Please contact our Electronic Claims team at XXXX to discuss this transaction. I called the 800 number and submitted the claim and was told to expect a resolution in 7-10 days. I called the branch at opening XX/XX/XXXX and was told they didnt need to file anything or be informed after the claim had been submitted to the 800 number. I did not receive a response and followed up XX/XX/XXXX and was told that the new resolution would be XXXX XX/XX/XXXX. Upon calling on XX/XX/XXXX, I was told that the claim was closed and then transferred to the billing dispute department and was told that the claim is still open and ongoing and can take up to two months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't recognize this accounts, never applied for it. I never sign any contracts or agreements with this companies.
Product: Vehicle loan or lease

I got the car a few years ago. I paid the company for repair service contract per month. Which meant I should be able to get the car fixed anywhere and not have to pay anything over 100. I kept having problems with the car that I was having problems to get fixed because no mechanics accepted it. I tried taking the car to the dealership to fix it, the would not. I explained to them that I was newly divorced mother of XXXX   and could not afford to pay the expensive car note per moth as well as the payments for the extensive repairs. I now have a repo on my credit.
Product: Credit reporting or other personal consumer reports

My mobile phone was recently compromised and my phone number was transferred to another device. The hacker tried to apply for a loan or credit card with JPMCB CARD SERVICES. This showed up as a hard inquiry on my credit report. I've since frozen all of my credit.
Product: Debt collection

This is my 5th attempt to try to fix this matter with my credit report CFPB. Rocket Mortgage is making my life a living XXXX with the error they put on my credit report and wont update. I havent been late ever. even with the late payment they have reported there is no other lates on there. I tried calling them to resolved the issue they keep playing games. With them reporting this late payment for over a year i havent been able to refinance my house, buy a new car for transportation or get a loan for my wedding. I am in therapy due to them defaming my character and reporting false information. Im at the breaking point and they think its funny for them due this. 

I also have reason to believe that they are in violation of not adhering to the reasonable procedures of congress to provide certain information thats required by section 1637 ( b ) of title 15 USC by having it mailed or delivered to the consumer not later than 21 days before the payment due date. That did not happen and ask if they did on the phone with XXXX they loan person and they didnt. I have attached my letter explaining how they are violation
Product: Mortgage

I had a phh mortgage loan, i called for a payoff quote which i recieved and was approved for a refi thru phh, i wasnt allowed to make a monthly payment due to the payoff quote at which point phh said my monthly payment was late but i wasnr allowed to pay it, then they turned around and said the had to deny the refi due to the late payment which was due to phh, I'm out {$500.00} for the home appraisal and not i have a late charge on my credit report which is causing me to not be able to refi with XXXX XXXX.
Product: Checking or savings account

I am writing to seek your assistance in resolving a complex issue involving a transfer of my life savings between two banksCIT Bank and XXXX ( XXXX ). Despite numerous attempts to resolve this matter directly with both financial institutions, my funds remain in limbo. I am reaching out to you with the hope that you can help me recover my funds. Below are the details of the situation : On XX/XX/2024, I initiated a transfer of {$16000.00} from my CIT Bank account to my newly opened XXXX XXXX XXXX  ) account. The transfer was initiated by XXXX after I provided my CIT Bank routing and account information. As part of this process, XXXX sent two deposits to verify my account, which I confirmed, and the full transfer amount of {$16000.00} was subsequently debited from my CIT Bank account. I can see this debit in my CIT Bank transaction history. 

However, I mistakenly submitted a second debit request from CIT Bank for the amount of {$16000.00}, not realizing that the original transfer had already gone through. This second transfer request was denied due to insufficient funds, and the funds were returned to CIT Bank, leaving me with a balance of {$0.00}. 

While the original transfer of {$16000.00} appears in my CIT Bank transaction history as having been sent to XXXX, XXXX claims they never received the funds because the transfer was cancelled. According to XXXX, a third-party processor, XXXX, is holding the funds and will not release them because the transfer back to CIT Bank was denied. XXXX advised me to request that CIT Bank submit a debit return form to dispute the transaction and facilitate the release of funds from XXXX. 

I contacted CIT Bank multiple times, but they insist the money was already sent to XXXX and that the issue is out of their hands. CIT Bank did provide me with a trace number indicating that the debit was initiated by XXXX ( XXXX ). They also gave me a Debit Return/Dispute form number during my call on XX/XX/2024, though I am unsure whether the form has been properly submitted, as CIT Bank has been unresponsive and unhelpful in addressing this matter. 

Both banks have been unwilling or unable to assist me further, and I feel completely lost and frustrated by the situation. I have spent hours on the phone with representatives from both institutions, and I have been told that my money is in " limbo '' with neither bank willing to take responsibility. 

I did not intend to create this problem ; my only mistake was submitting two transactions, the second of which was returned immediately. I am now afraid that I may lose my life savings as a result of this situation.

I respectfully request your assistance in helping me recover the {$16000.00} that I transferred. While it may not seem like a large amount, it represents all of my savings. I am hopeful that with your help, we can resolve this issue and ensure my funds are returned to me.

Thank you for your time and consideration. I truly appreciate any assistance you can provide, and I am happy to supply any additional information you may need.
Product: Credit reporting or other personal consumer reports

I am writing to submit a complaint the following information XXXX XXXX supplied to Experian, XXXX and XXXX credit bureaus ; whose report has incorrect information that has not been updated in reference to 2 accounts ( XXXX opened XX/XX/XXXX ). 

During Covid-19 I suffered from a major hardship, I had a great death  in my family, and I lost my former XXXX, who at the time was my primary source of income. I also was laid off from my Job due to major cutbacks. Being a Widowed XXXX and a XXXX  of XXXX It was hard to meet all my financial hardships. Nevertheless, I did not want to neglect my financial obligations. In XXXX I reached out to your company to request hardship  payment options, I agreed to do a covid forbearance with your company. I was informed that the account would be kept current, no late payments will be reported due to me agreeing to settle the account and Care Act.

According to the Cares ACT, the CARES Act states if you make a debt-relief agreement, that creditor must continue to report the debt as current. Therefore, no late payments should reflect my credit file during that time. I Request that XXXX XXXX remove late payment history as soon as possible to be in compliance with the federal law. To ensure that creditors adhere to the Federal Law which prohibits Negative Credit Reporting according to The CARES Act signed into law on XX/XX/XXXX, Act to amend Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during COVID -19crisis. ( 15U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) This has been an ongoing concern. I have also reached out to XXXX in XXXX, XXXX, and just recently XXXX XXXX via dispute through my credit bureau, however both accounts remain the same inaccurately Late Payment history. 
Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed late payment items as soon as possible.
Product: Debt collection

They contacted my place of employment after I asked them not to, and then spoke with XXXX of my coworkers about this being a legal matter and pursuing action against me in the court of law