23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX XXXX account for months. XXXX   and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Checking or savings account

I am a victim of theft. An individual ( s ) have accessed my bank account with Wells Fargo, and have drained my account. I believe the charges I disputed were over {$7000.00} in the amount of 48 transactions on my account. There were charges from XXXX and XXXX for {$100.00} back to back and within 1 minute of eachother. My card was cloned. I tried to tell the bank investigator this, but she denied that was even a possibility. I have tried to recoup my funds under the federal class E regulation, but Wells Fargo denies me protection and help to get my money back. I would like a MORE thorough investigation done immediately. My account is frozen, Wells Fargo will not let me have access to any of my money. I am a victim, yet Im being denied protection and the right to access my funds. This is highly unacceptable, as I have a family and young children.
Product: Debt collection

There are a number of issues with this company. 
1. I have contacted this company a number of times in an attempt to discuss this debt. Each time I call, I am told that I am being represented by a debt consolidation company. Each time over the last three years, I verify my information with the representative THEN we discuss that I am not nor have I ever given any debt consolidation company permission to represent me. Each time the representative states that they will add a note to my file and remove the FAKE cease and desist.

2. I have asked each time I have spoken to a representative to be mailed or emailed details of our correspondence. I HAVE NEVER received any mailings from this company. How can a company place an account on my credit report but not mail me any documentation regarding the account? The last representative told me it would take at most XXXX business days for me receive information in the mail. XXXX days later and I have not received any mailings. 
XXXX. This collection account is not associated with any other account on my credit report. Since accounts can not BE OPENED by a consumer with a collection agency then where is this account from? If the original creditor can not or is not reporting to my credit report because of invalid and unverifiable information then the COLLECTION account should be deleted as well. 
XXXX. If this company has a valid right to continue to report this account to my credit then WHY are they not required to send any mailings to the address they have on file? Why is this account not available on their online portal? IT just seems as thought they do not want to provide any written documentation but are allowed because they are a huge debt buyer to do whatever they like. 

Each time I file a complaint the CFPB allows the company to respond to my complaint WITHOUT valid information or evidence. What other recourse do I have as a consumer if the consumer financial protection bureau would hold company 's accountable?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Dear Sirs and Madams : Hope this finds you well. I am completely distressed because my mortgage service provider, Specialized Loan Servicing LLC ( SLS ), refused to honor on the credit reporting the fact that I was unable to pay my mortgage during the heightened months of the Covid-19 pandemic. I was greatly affected by the pandemic during the months of XXXX, XXXX, XXXX and XX/XX/2020 and didn't even have the wherewithal to find out about the easy steps of putting a forbearance into place, and was certainly not in a position to engage in the forbearance process. However, unfortunately, I have since found out, that even for individuals who tried to put a forbearance in place, SLS still often did not honor these forbearances on the credit reporting. After the above aforementioned covid months, I completely caught up on my mortgage payments, including anything owed during those months ; my mortgage is currently perfectly up to date in payment, yet, my credit is ruined by SLS because of their reporting late remarks for the covid months of XXXX, XXXX, XXXX and XXXX of 2020. I have begged SLS to remove the credit report late remarks of those four months. Can you help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$2100.00} XXXX XXXX XXXX Balance {$870.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Vehicle loan or lease

LOAN PAID IN FULL XX/XX/20 NO TITLE KEEP GETTING RUN AROUND XXXX SAYS TITLE DEPARTMENT DOES NOT TAKE PHONE CALLS NO MANAGER AVAIALABLE WHEN CALL CUSTOMER SERVICE TRANSFERED TO VOICEMAIL TRIED TO GET DUPLICATE TITLE UNABLE STATE OF COLORADO SAYS VEHICLE STILL HAS LIEN XXXX SAYS TITLE MAILED HOWEVER THAT IS NOT TRUE BECAUSE STATE REFUSES TO ISSUE DUPLICATE TITLE BECAUSE LOAN STILL SHOWING ON VEHICLE. 

ITS BEEN 8 MONTHS
Product: Mortgage

Was in a 6 month forbearance with Gregory Funding since I was unable to make the high mortgage payment when my husband died suddenly. I have made all the payments and they have not paid the 3rd and 4th quarter property taxes which I received a letter from the city saying my home was going for sheriff sale first week of XXXX. I tried to reach out to Gregory Funding and was on hold for OVER AN HOUR and was told they wouldn't be paying them until the forbearance was complete. I receive a letter from Gregory Funding every month saying I'm late which I was told I wouldn't be because of receiving my SSI check on the second Wednesday of the month and was also charged a fee that no one could tell me what it was for.
Product: Money transfer, virtual currency, or money service

XXXX days ago I requested my PAYPAL.COM account to be deleted and all data removed, as the account has repeatedly been compromised with access to my bank accounts opened to unauthorized persons over the Internet. 

Initially I could not close the account myself because of a linked PAYPAL CREDIT account. Now that linked account is deactivated but the company still will not deactivate the account and remove all data. I have used all available support and service channels to make this request and they continue to delay and respond saying the problem will be re-escalated and investigated again. I don't need any further investigation and have made it clear on several occasions that I just want the account deleted along with all associated data. 

I previously unlinked all financial institution accounts but I continue to receive messages indicating that someone has accessed the account or tried to reactivate it with my email address.
Product: Vehicle loan or lease

I took out a loan for my new car through Toyota Financial Services. I registered for auto payments but they never deducted the payments. My car was repossessed and I had to pay through the nose to get the car back and bring the account current but it is now virtually impossible to get information about my local from XXXX. Its difficult to get anyone on the phone and when you do, they cant provide accurate information about the account. Its also impossible to set up payments on the web. Please help me. All I want to do is pay my bill on time every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that Transunion remove to investigate the XXXXXXXX XXXX XXXX XXXXXXXX that they have on my report since XX/XX/2022. Since then I have sent a dispute letter every month and receive no response from them. 
Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate.

Transunion is violating my consumer right by not providing any documented evidence that they did the investigation.

Under the Fair Credit Reporting Act,15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them.

I have been disputing this issue with Transunion for over 120 days and the lack of action as jeopardized my ability to buy a house. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ. XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX ; www.consumerfinance, cov/mortgagehelp Dear Sir or Madame : Unfortunately, I have no choice but to file a complaint regarding my PHH Mortgage Home Loan # XXXX. Since XX/XX/XXXX, I have been trying to resolve the following matter with XXXX PHH Mortgage Services. The attached three ( 3 ) pdf documents substantiate my statements below. 

In XXXX, I contacted XXXX  PHH to recast my mortgage loan, and they sent me the required Principal Curtailment Modification Form. On XX/XX/XXXX, I returned that completed form to XXXX along with a {$300.00} check for the required processing fee plus a {$95000.00} check for Principal Payment. This mailing was per Certified Mail # XXXX XXXX XXXX XXXX XXXX. My return receipt indicated XXXX of XXXX signed receipt on XX/XX/XXXX. My bank statement showed these checks were cashed on XX/XX/XXXX. However, there was no recasting of my mortgage. I made no fewer than XXXX telephone calls to resolve this. Expeditor XXXX  XXXX was the last XXXX XXXX Representative that I spoke with at XXXX x ( XXXX ). He told me that XXXX had received my checks but did not receive the Principal Curtailment Modification Form ( which I had enclosed in the SAME envelope as the two checks ). He told me to resend that form. So I resent the form per Certified Mail # XXXX XXXX XXXX XXXX XXXX. My return receipt indicated that XXXX XXXX of XXXX received this on XX/XX/XXXX. 

This week, Mr. XXXX telephoned me to reassure me that the Escalation Department completed my mortgage recast request. He said that I would get a document in the mail that I must notarize and return. Then my recast would be processed. Well, Instead of this promised document, I received two unrelated documents : First, I received a letter entitled The mortgage assistance application was received. The next day I received Missing items from the request for mortgage assistance. I did not receive the recast documents that Mr. XXXX promised my by phone. 

XXXX has kept my {$300.00} recast processing ( cashed on XX/XX/XXXX ) fee without recasting my mortgage. I have twice spent money on certified mailings and much time on useless telephone calls. I have patiently tried to resolve this since XX/XX/XXXX. 

I request CFPB to help me resolve this. I would like my mortgage to be recast, but I do not want to spend more money/time on now having to notarize documents. This notarizing process was not part of the original recast requirement. If XXXX refuses to omit this new, additional requirement ( i.e., notarization of documents ) do this for me, then I want both my {$300.00} and {$95000.00} returned to me so that I can refinance my mortgage loan elsewhere. Thank you for your assistance. 

Sincerely, XXXX XXXX Cc : 3 pdf documents to substantiate the above
Product: Debt collection

I do not owe the collection agency anything I sent proof of this and they ignored it I couldnt find everything but what I can find so far it proves that the information is incorrect the amount that there saying is incorrect the original number was XXXX even though I cant find all of my statements the ones I found was over XXXX there saying I owe them XXXX and I only paid XXXX so basically there making up things and its unfair that they know its incorrect and they still will not fix it
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with DSNB MACYS. I have always made my payments on time. I am requesting for a complete payment history of my record, but I have not received any of its kind. I have been contacting XXXX, XXXX, and XXXX  and DSNB MACYS with no successful resolution. There was definitely an error on their part.
Product: Payday loan, title loan, or personal loan

My payment was due on XXXX and they took it out of an account I didnt authorize. They also told my XXXX about my loan because they charged her card. She paid a payment for me in the past but I told them not to save her card. They said I would have to give her the money but she got more fees from her bank.
Product: Credit reporting or other personal consumer reports

I would like this item investigated l. The inaccuracies are highly injurious to my XXXX XXXX. 
Account XXXX XXXX XXXXXXXX XXXX In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of credit report after your investigation. Thank you.
Product: Debt collection

I am overdue on several mortgage payments, so I enlisted the help of the XXXX XXXX XXXX XXXX. Our monthly income has gone from {$6000.00} to {$2000.00}. We are under severe stress and PNC Bank 's latest threatening letter stated we have to pay the whole balance by XXXX XXXX XXXX XXXX XXXX ), or they will foreclose on us. The issue is the XXXX XXXX XXXX XXXX has been trying to contact PNC Bank since XXXX, and PNC Bank will not cooperate. All they need to do is send a file and they get their money. I believe PNC Bank is using delay tactics so they can foreclose on us and sell our house for a nifty profit. Please Help us. We don't want to lose our house. XXXX XXXX from PNC Bank emailed me, so I emailed her back and also left her a voicemail. As expected, I haven't heard back.
Product: Debt collection

This debt is actually a apartment rental debt. This debt was to be paid by XXXX XXXX. I applied to XXXX XXXX and they were to pay this debt due to the Pandemic-Covid 19. the amounts are incorrect as well. I submitted all documentation to XXXX XXXX for amount to be covered
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove these inquiries from my report As pursuant to 15 U.S.C. 1681b section 604 ( C ) ( 3 ) of the fair credit reporting act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Please provide me with strict proof I authorized these inquiries such as a application bearing my wet ink signature, contract or recorded telephone call.. In accordance with the fair credit reporting act public law 91-506, title VI, section 611, subsection A-D, I demand you provide actual proof the information was verified and not a computer generated confirmation. If you are unable to provide any of the above please delete all inquiries immediately These are the inquiries XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit card or prepaid card

XX/XX/2019 American Express XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX American Express notified me that I have been declined the XXXX XXXX XXXX American Express Card because I have the maximum number and type of American Express Card accounts that you allow. 

I currently have 3 cards issued to me under their brand and I am aware of numerous people that have more that 3 cards. I have : Amex XXXX Platinum ( Corporate Card ) Paid in full monthly Amex Everyday Card Open and unused with payment in full monthly Amex Platinum Delta Skymiles Paid in full monthly
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past several months I have submitted several disputes letters to the credit bureaus, XXXX, XXXX, and Equifax. As of today, I have to receive any responses, or notifications regarding the erroneous items disputed on credit file. Per the FCRA the credit bureaus under law have 30-45 days to respond, and I have not received one items from any of the bureaus. I am in the process of financing and this is affecting my financing. I need the credit bureaus to respond, as per the law states.
Product: Debt collection

I do n't even have a XXXX credit card nor even used it so I do n't see why they put me in collections because of this
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 failed to take timely and effective measures to prevent fraud 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
Product: Money transfer, virtual currency, or money service

Today XXXX I attempted to cash a check. Chime told me it would not all transfer today so I cancelled and tried again or so I thought. It said it was pending so I called to cancel and the agent told me that the entire check would be posted to my account. Only XXXX posted to my account today and i was told I would need to wait 6 days for the rest of my paycheck. They told me they are unable to cancel it at this point, but I would've cancelled it prior to depositing had they not told me it would all deposit today. I need to pay my rent and now I will be 5 days late due to Chime. This will affect my housing record and that is unfair to me as I have the money.
Product: Credit reporting or other personal consumer reports

In accordance with the Metro 2 reporting standard, I am writing to formally inform you of the need for ensuring that any claims are reported in a factual and accurate manner. I'd like to request that you provide me with tangible, verifiable evidence demonstrating the existence of this account and its legality. If I am not provided with this evidence, I shall insist that the account be removed from my credit file. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX - XXXX {$530.00} XXXX  - XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$160.00} XXXX  XXXX - XXXX {$220.00} XXXX - XXXX {$350.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, An unknown person opened an account with XXXX XXXX using information that wasn't even close to mine. The {$160.00} was sent to collections after nobody paid. XXXX XXXX was negligent in not verifying information and responsible for this entire situation. 
On XX/XX/XXXX, XXXX XXXX assumed the account for collections and never sent me anything via mail. They called but the calls were suspicious and I thought it was Phishing Scam. 
In XX/XX/XXXX, I reviewed my credit and discovered this account had significantly impacted my credit score by negative 300 points. I disputed the account and it was deleted from my credit history. We have continued to receive mail and phone calls from XXXX  XXXX  regarding this account that has been verified as a fraud. XXXX  XXXX has since passed the account to Valor Intelligent Processing. I have spent at least 10 hours trying to have this account removed from my life and yet it continues to reappear despite XXXX XXXX acknowledging it was fraud.
Product: Debt collection

Huntington Debt Holding, LLC ( HDH ) claims they have fully responded to my requests, but after meticulously reviewing the bogus file they provided, they failed to provide the information I originally requested. 

The Receipts I Requested ( And Still Didnt Get ) : Agreement Between Huntington Debt Holding, LLC , and the Client I did not find any document explicitly granting Huntington Debt Holding , LLC , the authority to collect the alleged debt.

Forward Flow Agreement The PDF document does not include a Forward Flow Agreement.

Signed Agreement Between the Debtor ( Me ) and the Debt Collector ( HDH ) The document contains a loan agreement involving XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX, XXXX as the placement agent. However, there is no signed agreement between myself and the debt collector ( HDH ). 

Confirmation of Insurance Claims Regarding This Account There is no explicit confirmation of whether insurance claims have been made. 

Confirmation of Judgments Obtained by Any Creditor Regarding This Account The PDF document does not confirm whether any judgments have been obtained. 

Name and Address of the Bonding Agent for XXXX XXXX XXXX, XXXX No such information was provided. 

During their weak response, HDH admitted they are a passive debt buyer and claim they dont engage in credit reportingso why are they attempting to collect from me at all? Their response is full of excuses : saying they didnt receive my request via email, assuming I sent it by mail, and then rushing out a flimsy response. They still failed to provide the legally required documents to validate this debt. 

They are violating my rights under the FDCPA ( XXXX XXXX. XXXX ) by failing to provide proper validation of this debt. Responding quickly doesnt absolve them of their responsibility to provide complete, accurate, and legally required documentation. 

Ive attached the documents they providednone of which prove they have a valid claim against me, along with a Cease and Desist letter, Debt Validation letter and an accompanying letter to help with HDH efforts. This debt remains unverified, and I expect immediate corrective action.