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

I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
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
Product: Checking or savings account

I AM A XXXX PERCENT XXXX VETERAN NFCU TOOK MONEY FROM MY ACCOUNT TO PAY THE STATE OF VIRGINIA. I GET XXXX PERCENT OF MY MONEY FROM THE GOVERNMENT XXXX PAYMENTS. NO ONE CAN TOUCH THAT THAT.PERIOD THEY VIOLATED FEDERAL LAW.
Product: Mortgage

Dear CFPB. I am writing you in regards to my current housing and income situation, as I am on the verge of becoming delinquent within months on my mortgage. Years ago, I ran into similar trouble, and my XXXX mortgage holder put in place a permanent modification which I still have today, with out asking me to first go delinquent. My XXXX trust holder provided a temporary solution in place which the interest rate has since increased last year and again next month. My loan is now owned by a different servicer, Ocwen. I also no longer have the same job and am with a new company since XX/XX/XXXX, taking a significant pay cut. My wife also begins school next month, which I took out a loan from my XXXX to pay for the first year. At the same time, we are still paying for a large medical expense for her. As a result, I filed the necessary paperwork for a loan modification, as I wish to keep our home and continue paying on time. I am on time now, but unfortunately that will soon change as I exhaust all funds. We are living check to check and by credit cards now. 

My current loan servicer is Ocwen. On XX/XX/XXXX, I completed the application for mortgage assistance and sent it electronically by close of business. On XX/XX/XXXX at XXXX, I received a call from Agent XXXX at Ocwen. Truly, I am not sure why he called as he spoke about payment options if I wanted to apply for a modification. I told the agent I had already applied. He said " oh, let me check on it. '' The agent told me that I was already denied because I did not meet the criteria to include being delinquent on my home loan. I told him I do not want to go delinquent and was instead seeking assistance in advance of that occurring. He then told me I was " twisting his words '' and that he never told me that I needed to go delinquent and that was only the investor 's guideline. I asked for the investor 's information and he replied he could not provide me, but would email it to me within 2 business days. I asked who I could I contact if I do not receive and was told " no one, but I will get it. '' I then asked to speak with the agent 's supervisor, which he chuckled at quietly, not realizing I heard him and apologized after I mentioned it. After holding for several minutes, the supervisor joined the call ( Agent XXXX ). I briefed her on the poor treatment I received from her agent, she apologized, but stated since I was not delinquent it was apparent I could make the payments. I responded by asking if she had looked at modification application, as she would have saw the XX/XX/XXXX job change and most recent pay stubs. She stated there was nothing she could do. 

I truly need the CFPB 's help to save my home. My income has decreased, my interest rate is rising, my bills are not going away, and I running into high credit card debt. I do not want to walk away from our home and wish to exhaust every chance to keep it. 

Thank you for your time and consideration.
Product: Debt collection

I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ). The statute of limitation in Texas is 4 years. The original debt is over the statute of limitation for this debt to be collected on. Texas Surety bond information as required by Sec. 392.101, this creditor is does not hold a surety bond in the state of Texas as required ( see attached ). Per the code, this a violation punishable by { {$10000.00} } per occurrence. A complaint has been filed with the Texas Attorney Generals office. I request my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ).
Product: Debt collection

I contact Pheonix Financial Services via email about a debt I saw on my credit report from them. I stated that I did not have an account number and that if it was medical debt it belonged to my ex-husband per our divorce agreement in 2019. 

I received a reply from : XXXX XXXX Phoenix Financial Services, LLC XXXX XXXX XXXX XXXX, IN XXXX XXXX toll-free XXXX general fax XXXX Correspondence was as follows : Me : I see a debt from you on my credit report. No information about said debt. No account number. Nothing. If this is a medical debt, I divorced and it is in our legally binding divorce agreement that my ex husband is to cover all medical debt. If this is a bill that never got sent to our insurance, I can not help you because I have different insurance. If you have no idea what this debt is, either do we. 

Her : Thank you for your inquiry, please provide an account/reference number in order for us to assist you. 

If you do not have one we can try locating by any of the following : Address, phone number, or complete social security number. I apologize for any inconvenience. 

Me : The address this mail should go to is XXXX XXXX XXXX XXXX Ohio XXXX. If it isn't a medical billl, then I have no idea what it is and it is probably not my debt. I have no account number because I have never seen this bill. 

Her : That address is not associated with an account in our system. I can try to locate the account with your phone number or social security number. You may also call XXXX and a representative will be able to better assist you in locating the account. I apologize for any inconvenience. 

Thank you, Me : I feel like a search by my name would be adequate if it was a legitimate debt. I feel like this is a phishing scam. The date of your debt corresponds to the address I gave you. I suggest you send out an actual account number to that address identifying yourself and the account in question. I will not give any personal information to a possible scam. 


This debt is XXXX dollars that keeps hitting my credit report over and over. I mean, it is XXXX dollars. My ex husband would have paid XXXX dollars had he seen a bill that was legitimate. 

I don't know what this debt is and I am not getting answers, but my credit score has suffered to below XXXX now because of this mystery XXXX dollars that no one can tell me about unless I give personal information.
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation.This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Checking or savings account

https : //www.northwest.bank/ closed my account without giving me prior warning. Now I can't login to download my statements.
Product: Debt collection

I paid collection dept in full and it keeps reporting to my credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against PNC bank account # XXXX status open with {$0.00} balance. I have been trying to dispute a late payment back in XXXX of 2018 that should not be there at all because I was never late and havent been late ever with PNC. I have years making business with the mentioned company and I was a satisfied costumer until I found out about this negative mark on my report. Therefore, I decided to dispute this information with PNC but when you try disputing anything with them they make it so hard to do so. They want the dispute to be internal with, a clear violation of FCRA. Not like other creditors that have a fax number or an address to send your dispute and start with an investigation as required by the FAIR CREDIT REPORTING ACT. So that is why I had to proceed through Consumer Financial Protection Bureau. Back in XXXX of 2018 I made the online payment through their online system indicated that everything was ok and me thinking that the payment went through. I received no notice of any kind that I was going to be reported as late. Not even a phone call so I could make the payment. This is negligence, unfair business practice, breach of contract and the list of violation can continue if I decide to take this case to a judge. Please PNC be reasonable with a loyal client of yours and correct that error and we can continue making business. I would appreciate a deletion letter through CFPB so I can present to my mortgage company. I have a {$500000.00} home loan pending because if this error. Im attaching a bank statement from XXXX of last year, to prove it was not a money factor or even less that did not want to pay PNC. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked for a validation of debt from Citizen but all I received is a letter stating they believe the debt is mine. That is not a validation of debt. If I owe this alleged debt I need the original contract with my signature on it. I have know knowledge of this debt, it is not mine and need to be removed from my credit file immediately. If the contract is not provided to me in 30days it can not be legally reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I am having personal difficulties with Citibank that I hope you may rectify. I have been a customer since XXXX XXXX with XXXX credit cards totaling approximately {$45000.00} in available credit. I use my Citibank credit card for all of my daily transactions. I had a breach of my card number in XXXX resulting in XXXX unauthorized transactions totaling {$4600.00}. I did not receive XXXX alert of potential fraud and I found out when I received my statement. I immediately called and had the card deactivated and initiated the claims. The card has always been in my possession. Unfortunately, the level of service that I have received has been extremely poor. I still have {$4000.00} unauthorized fees that have not been credited to my account and it has now been one month that I have been actively seeking a resolution. I have called and emailed from the web portal multiple times to at least receive provisional credit as the case is being worked and I have not received any assistance in resolving the total claim. I have only received a partial claim for transactions that happened after the statement. During multiple calls, I have discussed with various supervisors whose ID numbers I have notated, but each time I am told I will receive credit within XXXX7 days. This has not happened. On XXXX occasion, a supervisor was extremely rude to me and did not offer to assist in any way. He actually told me to stop calling. I have exhausted my attempts to resolve this matter and I am hoping that you may assist me in rectifying this situation. I have stopped using my Citicards for my daily transactions until my issue is resolved and I am in the processing of changing my auto payments conducted with these cards. I would like to mend our relationship and I thank you in advance for your assistance. 

I have called to attempt to resolve my issues with Citicards XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX.
Product: Money transfer, virtual currency, or money service

Cashapp has a rather unreasonable name change procedure. In this case, they are demanding I remove the receipt from an official court order granting me my name change. The receipt is what makes it a certified name change. To remove it is to invalidate the document. 

Some of their other requirements, like requiring a picture of the driver 's license, are not unheard of. But this step is. 

Cashapp reference in this case is : ref :! XXXX.! XXXX : ref
Product: Debt collection

My husband and I had a dental visit at  XXXX   XXXX  on  XXXX   XXXX ,  2017 and o ur bill was {$230.00}. We wrote a check ( #  XXXX  ) for the amount ; they did automatic debt and the check was cleared. In fact the check was process because it was on my bank statement for  XXXX   XXXX  , 2017. To veri fy all transaction was managed well. I visited my bank and information was confirmed.   I then visited  XXXX   XXXX  with all of my documents and they indicated to me that the check was processed and there is no problem. Yet, the company listed below has been call and sending let ters (  harassing me to pay the bill again. They have even threaten that they will send it a collection agency.   Global Payments Check Services , Inc .    XXXX   XXXX   XXXX   XXXX , Il  XXXX   XXXX   XXXX  was not familiar with this company, when I visited their offices. I am not sure their relationship with  XXXX   XXXX . What I am sure is that the bill has been paid in full. I have said this to  XXXX  Payment ; fax them information and the threats continues. I need help with this situation.    XXXX    XXXX    XXXX
Product: Debt collection

I have written twice for verification, of my signature, that this debt is mine, and twice they sent nothing that verified it was mine, then another letter stating that they sold my account to XXXX XXXX, but yet they still report on my credit report with no proof it is mine. Any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from their company or any company that they represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, they need to request that all credit reporting agencies delete the entry.
Product: Student loan

Applied for a co-signer realease from a Wells Fargo that I have consitently paid ontime since XXXX was denied because my XXXX XXXX score was to low. No mention of what an approriate score is even in converstation with Wells Fargo representative before I sumbitted the application. Still do n't know what the " ideal '' score is me to recieve a cosigner release. Just this year I have been offered by Wells Fargo the oppurtunity to refinance my student loan without a co-signer so I am utterly confused on how I can be eligible to refincance without a co-signer but my score is to low to get a co-signer realease
Product: Mortgage

I keep getting monthly mortgage statements from Nationstar Mortgage for a loan I have no idea about. I called Nationstar Mortgage to get a copy of the note and they told me that they can not give me any information.
Product: Credit reporting or other personal consumer reports

I applied for a pre-approval loan to purchase a new home because the home I have with XXXXData Mortgage is for sale I have a buyer and a closing date as of XX/XX/XXXX of this month. So I've been monitoring my credit For quite some time It was rain in XXXX and XXXX And everything was doing good Everybody can't wear shoes my next up then Must to find a buyer and I did But I was denied my pre-approval Because the month I Requested a payoff which was XXXX of XXXX Was the exact same month He's rich A negative report Up here on my credit report stating that I was 90 days past due for XXXX of XXXX. When I contacted the mortgage company they stated that everything was up to date as of XX/XX/XXXX they also stated that they never reported that to the credit bureaus I emailed them through which was a screenshot of the credit report the lender sent me showing that it was there and it was being reported by XXXX and XXXX. I also screenshot it the reporting of XXXX which is the only Credit Bureau that shows it was paid as agreed. However DataXXXX XXXX company refuse to give me the letter on a letterhead paper they told me I needed to make a dispute through the credit bureau and which I did and the credit bureau stated that this could take 30 days to complete the process I explained that I did not have 30 days is what they sense of urgency because I have a closing date for my house and I need to be able to find a place to live and they told me sorry that there was nothing they could do about the process and that is up to XXXX/Data Mortgage company to respond I also sent the credit bureau a screenshot of my bank account showing that payments were made on time as well as a payment history from XXXX/Data Mortgage portal showing that they also indicated that it was paid on time and still both sides XXXX as well as XXXX refuse to correct the issue without a Written Letter on a letterhead paper from the mortgage company and which XXXX/Data Mortgage company refused to give it directly to me they stated that they never received the dispute from the credit bureau and now I'm sitting here without a home and possibly a place to go once my house is sold.
Product: Payday loan, title loan, or personal loan

The loan was for XXXX payments of XXXX totaling XXXX and I have FULLY PAID that amount as you can see from the payments records. The issue is that Prosper overcharged me unlawfully extra fees and interest during the XXXX XXXX XXXX XXXX for the 7 months of Deferal Period that was offered to anyone and was supposed to be No Extra Interest or Fees but seems only Prosper did those charges! At the same time I had a loan with XXXX XXXX that I also took advantage of the Deferal Period but they didn't charge me a cent extra for the period...
Product: Credit reporting

ChexSystems has n't contacted the Bank nor investigated this matter as they argued on dispute XXXX. On their resolution they said " disputed information has been verified to be accurate '' If you see the dates of this complaint and the attached XXXX XXXX letters dated XX/XX/XXXX and XX/XX/XXXX, confirming the account was settled in full in XX/XX/XXXX and stating that XXXX XXXX requested ChexSystems to update the account accordingly both entities are in non compliance of the FCRA. The issues in dispute are the account terms, status, the obligation to provide accurate information, the obligation to update it on timely manner.
Product: Bank account or service

I submitted a complaint last XXXX to the CFB regarding PayPal and a dispute that I had with them from XX/XX/2006 PayPal told the CFB that they lifted the restriction on my account however they continue to place an undue burden on me utilizing the service in light of this. Frequently holding funds from transactions several weeks and issuing only generic email responses and not answering my calls when I call to complain. As a consumer this places an undue burden on me when I sell something on Ebay and have to wait an inordinate and uncustomary amount of time to receive my funds when post people receive their funds instantly from items they have sold and mailed. Yes, they even hold my funds after I have mailed and sent the items with a tracking number. This is particularly egregious because customers who purchase from the site have no alternatives to pay for products. Ebay who owns Paypal forces consumers to use their payment processing service PayPal. So I am stuck with no response from the organization and I am continuing to be punished for a matter from 9 years ago that I thought we resolved last XXXX XXXX with Case number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX dealership did not have authorization to run my credit, they have sent a letter to me providing confirmation they were in the wrong. XXXX is one of those companies, they need to delete the hard inquiry off my credit report XXXX. I tried mailing them and it was returned to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX   XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX