23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/ Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Dear Collection Agency, I am writing to file a formal complaint against Portfolio RC, Portfolio, XXXX, XXXX XXXX XXXX and XXXXXXXX XXXX  regarding their violations of consumer rights laws and their failure to comply with the regulations set forth by the Consumer Financial Protection Bureau ( CFPB ). 

I believe that Portfolio RC, Portfolio, XXXX, XXXX XXXX XXXX and XXXX XXXX have violated the following consumer rights laws : 1. Failure to provide validation information under 12 CFR 1006.34 ( b ) ( 5 ) : [ Collection Agency ] has failed to provide me with any validation information regarding the debt they are attempting to collect from me. Despite this, they have placed the collection account on my consumer report, which is a violation of my rights as a consumer. 

2. Denial of the opportunity to dispute the account under 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I have not been given a chance to dispute the validity of the debt with [ Collection Agency ]. They have not provided me with the necessary information on how to dispute the account, which is a clear violation of consumer rights laws. 

3. Use of false, misleading, misrepresentation, and deceptive means : [ Collection Agency ] has engaged in deceptive practices in their attempts to collect the debt from me. They have not provided accurate information about the debt or my rights as a consumer, which is a violation of consumer protection laws. 

4. Failure to provide required disclosures before furnishing the account to a consumer reporting agency : [ Collection Agency ] has furnished the collection account to a consumer reporting agency without providing me with all required disclosures as mandated by law. This is a violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). 

I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Portfolio RC, Portfolio, XXXX, XXXX XXXX XXXX and XXXXXXXX XXXX  for their violations of consumer rights laws. I also request that the collection account be removed from my consumer report until Portfolio RC, Portfolio, XXXX, XXXX XXXX XXXX and XXXXXXXX XXXX  provides the necessary validation information and disclosures as required by law. 

I am also requesting the original purchase agreement between Collection Agency and Original Creditor, as well as ; requesting proof that all agencies included above are licensed and bonded. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX which is XXXX XXXX XXXX , XXXX keep sending letters and making phone calls on a bill that I believe I do not owe.
Product: Mortgage

I refinanced my mortgage with Cardinal, during which, I was expecting lower escrow payments due to a lapse in the previous year of my Homestead Exemption. Once I received my new tax bill, the amount was much lower than the property taxes Cardinal were using. I contacted them to request an escrow analysis be done and I was told to send an email to a specific email with my loan number and new tax bill. I sent the requested information and I received an automatic response detailing I would hear from a representative soon. I never heard from one. In fact, after 3 months, 10 phone calls later, I was told my escrow wouldn't change because the differential amount was less then ten-dollars. I explained how could there not be a greater than ten-dollar change when my property taxes were lowered by almost fifty-percent? I was then told they were still using my old tax bill, and I would have to send in a new tax bill to the email I had already done so previously. I once again, obliged and re-submitted the necessary material, and once again nothing was ever done. One month later I get notified that my loan was sold and no longer serviced by Cardinal. Four months with Cardinal and it was an absolute nightmare, and not once did I ever receive correspondence in regards to my issue, nor someone contact me. I am never one to voice my dissatisfaction but I felt I needed to. I contacted Cardinal one last time to speak to a supervisor ( XXXX ) who listened to my lengthy recap, only to be met with a response " I'm sorry but Cardinal no longer services your loan. '' On top of the poor customer care, the company has unethical practices. Normally there would be an automatic survey that prompts at the end of the phone call, and for every time that I called dissatisfied the representative would purposely wait an extended period of time to hang up in hopes that I would disconnect the call first to avoid a bad survey. This happened many times, and even with the supervisor. This tactic was very obvious and I even addressed it with the supervisor after thirty seconds of silence I said " I am going to fill out a survey I hope you know '' she responded right away, " Oh I didn't know ''. As a consumer I had no choice but to voice my concern, it is very scary how a financial company can operate like this.
Product: Mortgage

On XX/XX/2023, I notified PHH about a payment we made on XX/XX/2023, in the amount of {$3100.00}, that was submitted for our XX/XX/2023 mortgage statement, which also included an assessed {$950.00} bankruptcy fee. I was told that the account was currently under modification and that any adjustments would be made after the modification trial period. 

On XX/XX/2023, I again notified PHH that the {$950.00} bankruptcy fee was still showing on our statement. We were informed that the accounting error would be adjusted. We again notified PHH on XX/XX/2023, and XX/XX/2023, with no follow-up from PHH. 

On XX/XX/2023, we again notified PHH, and this time were told that the {$950.00} had been incorrectly applied to the principal balance, that there was nothing that could be done, and that we would be responsible for remitting a payment of {$950.00} as it was still showing past due. We were told that the balance due could be submitted through USPS.
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 for these violations. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA, the following accounts have violated my rights. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. 15 USC 1681 Section 602 A states I have a right to privacy. 15 USC 1681 Section 604 A Section 2 also states a conumer reporting agency SHALL NOT furnish an account without my WRITTEN instructions. 15 USC 1666 B states addedly, that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ANY reason.
Product: Credit reporting or other personal consumer reports

There are several inquiries on my account that are fraudulent and is being reported by Equifax. I have disputed the account and Equifax did not remove the inaccuracies but state they will remain on the credit report for 2 yrs. I would like the inaccuracies removed immediately. 
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
Product: Student loan

When COVID forbearance ended, Mohela did not handle the transition well. I was on an administrative forbearance and Mohela took me out of it numerous times. I would have to call mohela to get them to put me back in to forbearance. I would get emails that I was no longer in forbearance and had a payment due soon. I was having this problem between XXXX XXXX XX/XX/XXXX. I dont have access to any previous forms they sent me since their platform changed. The only proof I have of this are generic emails sent from them either saying payment is due or that my forbearance is processing.

I got another email XX/XX/XXXX saying I had a payment due. I had to call again to make sure I was still in forbearance- they said one of my forbearances was ending so that is why I got the email. They were not able to explain exactly what they meant by that but did say my forbearance for my borrowers defense was still in place.

They are unable to handle our loans and are terrible at communication. Dealing with models as a servicer has been extremely frustrating. If I didnt pay attention to my emails, I could have had late payments when they randomly took me out of forbearance multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of XXXX  we didn't get it XXXX  doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they XXXX  can't confirm my identity XXXX to get away with taking no actions on my credit report. Please investigate this as well.
Product: Mortgage

In mid XXXX of XXXX, I received a letter from the XXXX regarding unpaid property taxes of $ XXXX plus about {$400.00} in delinquent penalty fee. I reached out to my mortgage servicing company, Select Portfolio Servicing Inc., to inquire on the non-payment of taxes. They said the payment of $ XXXX was made in XXXX of XXXX and that any penalty fees would be covered by them. Today is XX/XX/XXXX and the XXXXXXXX XXXX still has not received any payments from my servicing company. After a dozen phone calls to their customer service, multiple escalations, and notice of error sent, there has been no resolution to my problem. The original tax amount was also deducted from my escrow account as well. On top of this, I've noticed an unrelated overpayment refund of about $ XXXX was made to me at the end of XXXX. I have not received this refund at all and XXXXhe servicing company is not able to figure out how to resolve these problems. The company has made no progress in fixing the issue and every call I make, they have no new updates since the last call.
Product: Vehicle loan or lease

XXXX XXXX is reporting a repossession on my credit reports. After reviewing my credit report, I took it upon myself to dispute this inaccurate account with the credit bureaus as well as directly with XXXX XXXX. The tracking on my dispute is showing as delivered yet I still have not received any documentation from XXXX concerning this account. Per the consumer laws, after receiving a dispute request, that consumer reporting company must acknowledge and complete an investigation. It seems perhaps my concerns have been ignore and this is a violation of my rights! I am requesting that this account is deleted from my credit report and all documents pertaining to this account be mailed to me.
Product: Mortgage

Pinnacle XXXX  XXXX XXXX owns my mortgage for land on the XXXX XXXX. I have a fixed rate mortgage yet the interest payment hasn't reduced in months despite the principle owed has gone done. I called them about it and they made no changes.
Product: Checking or savings account

My late wife, XXXX XXXX XXXX, was receiving Social Security Disability Insurance ( SSDI ). I was her designated payee. The Social Security Administration ( SSA ) was direct depositing her payment into a checking account at Huntington Bank ( the bank ). She passed XX/XX/2018, the Saturday before XXXX. I notified the bank of her passing by phone on XX/XX/2018. The bank immediately froze the account ; to return last SSDI payment to the SSA. However, the bank did not return the last deposit to the SSA. The SSA required me, as designated payee, to repay the {$970.00} direct deposited to, and held to this day, by the bank. The SSA collected this money from me by garnishment of my monthly Social Security payment. 

I have contact the bank several times by phoning Customer Service and in person at the local branch. I have provided paper and electronic copies of the correspondence from the SSA informing me that repayment is my responsibility.
Product: Mortgage

On XX/XX/2018 my loan was transferred from XXXX  to Flagstar bank. On XX/XX/2018 Flagstar received my completed modification application from my previous servicer XXXX  and provided me with written notification. I received many documents from Flagstar that it will take them 30 days to review my file and update me on what is needed or if a decision will be made. It has been over 30 days and I have yet to find a letter from Flagstar requesting an extension to review my file or in need of extra time to review my completed file.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Texas, XXXX DATE : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information Request for Removal Dear Experian Dispute Department, I am writing to formally dispute an error in my credit report under the provisions of Law 1681 ( c ) ( 2 ), which mandates the accuracy of information in consumer credit reports. Upon reviewing my credit report, I identified inaccuracies that I believe require immediate attention and correction. 

The specific information I am disputing is vehicle loans, Account number : XXXX, Account Namen : XXXX XXXX XXXX XXXX, This information is not only incorrect but also negatively impacts my creditworthiness. As mandated by law, I request that you conduct a thorough investigation into this matter. 

Please find attached any supporting documentation that substantiates my claim and demonstrates the inaccuracies in my report. In accordance with the Fair Credit Reporting Act, I request the timely removal of this incorrect information from my credit report. 

I appreciate your prompt attention to this matter and look forward to your response within the 30-day timeframe stipulated by law. Should you require any further information or clarification. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

CRYPTO.COM does not responds for over a month. There is no telephone and no address. I used to trade with them and they have assets either crypto currency or US dollars that I want returned, but they dont even reply online to me. Can you help? My name is : XXXX XXXX XXXX aka XXXX XXXX XXXX ; XXXX XXXX XXXX, my Email : XXXX, XXXX.
Product: Checking or savings account

During the time I banked at Wells Fargo they took it upon themselves to open and close my account numerous times without my consent
Product: Checking or savings account

On XX/XX/XXXX, I mistakenly sent money to the wrong person via XXXX ( I made a mistake in the phone number ). It was an amount of XXXX dollars. A few days later I was informed that the money never reached the person I sent it to. So we went to the Wells Fargo bank together and started to investigate with a bank employee what went wrong. In the process, we realized that I had made a mistake in the phone number. And we opened a request for a refund. The bank gave us XXXX  days. After that, I received a letter with information about the impossibility of a refund. We went to the bank again to understand why they could not satisfy our request. The bank employee opened another case for a refund and within XXXX  days I was again denied. For me, it was not a small amount of money. It was my rent for the apartment. I would really like to return it to them to pay for my apartment
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccuracy # 1- The account numbers do not match. XXXX and Experian is reporting XXXX and XXXX is reporting XXXX. An account number is Identified by a specific number and there can only be one and it has to be completely correct. 

Inaccuracy # 2- The date of last activity does not match across the credit bureaus. XXXX is reporting XX/XX/XXXX, Experian is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. The date of last activity determines the date of delinquency which also determines how long a collections can be on your credit. A collection account can only be on your credit report for 7 years and if this number is inaccurate that time can not accurately be determined. This also affects how long a consumer can be sued by a debt collector. The statute of limitations in Texas is 4 years and this needs to be completely accurate. 

Inaccuracy # 3- The open date does not match across the credit bureaus. XXXX is reporting XX/XX/XXXX, Experian is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. These dates must all match and be the same. 

Inaccuracy # 4- The last payment dates do not match across the credit bureaus. XXXX is reporting XX/XX/XXXX, Experian is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. The last payment date is also important in determining the date of delinquency. 

Inaccuracy # 5- The credit limit is reporting at {$500.00}, but the high balance is reporting at XXXX. Is is illegal to add fees to a collection. There was also never a break down of how this this balance was calculated. 

Other inaccuracies and violations include the account number being altered on XXXX. In XX/XX/XXXX the account number was : XXXX and in XX/XX/XXXX the account number is : XXXX. 

According to the FCRA section 623 ( a ) ( 2 ), if a furnisher, furnishes information to one or more credit reporting agencies that is incomplete or inaccurate, that furnisher must promptly provide the correct the information or remove the incomplete or inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( Enter Account Name ) : ( Enter Account Number ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks, Fair Resolution! 

Update the account to Paid on time and never late. Or remove it from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax didnt investigation into a Tradeline that was on my credit report from XXXX XXXX Just tried mine used to be a closed account which I said it was not mine. There was no money owed on the account the account reflective XXXX. I challenged it to Equifax to get the XXXX removed. The investigation Equifax did simply labeled the account as a collection account with a XXXX balance.. the account cant be a collection account if theres no money owed. The information that they reported to the credit report, even after the investigation is still wrong and false information provided.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the mishandling of my repeated attempts to follow up on the removal of fraudulent items from my credit report. 

Despite submitting multiple disputes and diligently providing supporting evidence, the fraudulent accounts persist on my credit report, and my previous follow-up attempts have not yielded any resolution. 

The ongoing presence of these fraudulent items on my credit report has caused significant distress and financial harm. It has negatively impacted my credit score and has hindered my ability to access credit and financial services. 

I demand that your agency immediately conducts a comprehensive review of my dispute and expedites the removal of the fraudulent items from my credit report. Furthermore, I request that you provide me with written confirmation detailing the steps taken to address this matter and the resolution thereof. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX Balance Owed : {$1600.00} ; XXXX  XX/XX/2023 ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX.
Product: Debt collection

Ive tried calling UCB ( United Collections Bureau ) at phone number XXXX and XXXX to pay my debt and have not been able to get in contact with anyone. I need to pay this debt which is affecting my credit and cant manage to get a hold of anyone from the company to help me. I have left voicemails and called multiple times just to be on hold for over XXXX minutes and then be sent to voicemail.
Product: Credit reporting or other personal consumer reports

I received a letter from XXXX XXXX  signed by a " Customer Experience Advocate named XXXX '' with no last name or ID number provided, and I was not given a direct contact number. Instead, I was directed to a general number, which led to being transferred multiple times and kept on hold for over an hour without any resolution. 
The letter claimed that XXXX XXXX  had attempted to contact me, which is inaccurate. I received one call from a XXXX XXXX employee that I missed, and my answering service recorded the call. The employee left a message with a callback number, which I did reach out to. However, I only got an answering service, left a message, and received no further communication. The employee did not follow up or leave additional messages. 
Additionally, the letter asserted that the settlement letter had been reviewed and that the online telephone number was correctthis too is incorrect. A quick call to the provided number reveals it to be for a life alert scam. 
The letter also mentioned that I refused to be recorded. This happened because they would not permit me to record the conversation while they were recording it.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found that several items there were inaccurate on my account. This account is affecting the ability to obtain credit, I request an investigation of these items so that the inaccuracies are verified. Here are the items for your verification. Account : XXXX XXXX number XXXX XXXX ( CLOSED ACCOUNT ) payments late year XXXX