23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was faithfully paying my mortgage payment from the time, Ditech Financial took over and transfer our notes from XXXX. No missed payment nor late payments as a proof, I can send all evidences of all my mortgage payments in the future. We kept on sending our mortgage checks to Ditect before the XXXX of every month as stipulated from our Deed of Trust, unbeknownst after researching from our bank account 's that our last mortgage check was only cashed since XXXX? We continued to send mortgage payments from XXXX and XXXX and Ditech never cash out anymore those mortgage payment checks we sent to them? I am a XXXX and my work schedules were so hectic besides taking care with my little children. Therefore, I communicated with them through mail immediately. I was asking why Ditech does n't want to cash our XXXX and XXXX mortgage payments checks and they want my homestead to proceed on for foreclosing in which me and my husband will not allowed for any reason. Therefore, we requested Ditech to process our Loan for the Federal Home Affordable Modification Program that is still available until XXXX and until now Ditech is not yet responding from our request until this moment. XXXX had done their abusive collection tactics by their agents in posting notes of threats in front of doors of our home. I am requesting for your good office to investigate the unlawful conduct of on their repeatedly harassing and abusive collections on our property that our members of our family were threatened while we were out of work. They always come inappropriate hours. They always come even after I have communicated Ditech by mail. They repeatedly doing their illegal debt collection practices. I appreciate so much for your cause of helping us under your provision on protecting homeowners as well consumers from Mortgage Companies based on your discretion under Consumer Financial Protection Bureau on Debt Collection Act.
Product: Credit card

I am enrolled in a debt settlement program due to unexpected expenses and ending up with XXXX mortgages for XXXX  months. I had the XXXX synchrony bank credit card balance enrolled in that list of creditors to be settled. I decided to call the pay pal synchrony bank customer service number and asked them if we would be willing to offer me a settlement offer directly, I was transferred to a collections agent specifically. She said it would be better to settle with them to avoid additional fees by the debt settlement company. She then said they could do a settlement offer directly of {$320.00} and I could pay XXXX lump sum or in XXXX payments. She said confirmation of this settlement would be sent but I havent received it. I did however receive a letter confirming my XXXX scheduled payments and it says I am to continue making payments after these payments, until the balance is paid in full. I dont know if this is standard verbiage but this isnt what I agreed to. And they setup the XXXX payments to come out automatically. If they arent going to follow the agreement we made, im going to cancel the payments and enroll the debt back into debt settlement. I also need a confirmation of the settlement agreement that was made to be sent to me immediately, or Im cancelling the scheduled payments.
Product: Debt collection

XXXX XXXX, and XXXX XXXX XXXX continue to report a fraudlent account on my credit files and continue to make threatening phone calls to my mothers home. I have requested for validation and verification but to know avail This is not my debt and they will not even send me any informaiton showing my signuatre ;
Product: Credit reporting

I am trying to place a security freeze on my Experian credit report, but their web interface for doing this is not functional ( has not been for months ), and the site just retuns a message citing technical problems and provides no other way to get in touch with them, so effectively, a person can not initiate a credit freeze through Experian ( at lease not through their web interface and they do n't provide a phone number as an alternate ). Because they are unable to provide this functionality ( I was easily able to accomplish the freezes on my XXXX and XXXX reports ), they, in my opinion, are in violation of FCRA.
Product: Mortgage

I WAS DENIED FOR ANY OPTIONS TO BRING MY LOAN CURRENT. I HAVE BEEN TRYING TO GET A LOAN MODIFICATION OR REPAYMENT PLAN BUT THEY ARE JUST DENYING ME AND NOW HAVE A SALE DATE FOR XX/XX/XXXX. I HAVE BEEN STRUGGLING TO KEEP UP WITH MY MORTGAGE PAYMENTS AFTER MY DIVORCE IN XX/XX/XXXX AND LOSING HALF INCOME CONTRIBUTED TO THE HOUSEHOLD AND BUSINESS SLOWED AS WELL.
Product: Debt collection

i told them that debt wasn't mine and to stop calling me. i even called the cc that the debt was from and telling them that the debt wasn't mine but was told that this is no longer in there hands and they sold my debt to the company Resurgent /Lvnv funding. i asked multiple times that they stopped calling and to please fix this on there end and they never have, all i received was calls for collections on a debt that i don't own no matter how long i called them.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent XXXX and XXXX and Transunion a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. They have not even attempted to let me know this matter is being worked on. I have asked that they provide me with the requested info on how they verify such info
Product: Debt collection

{$310.00} to Southwest Credit System Equipment returned, picked up at my home XX/XX/XXXX They are currently called XXXX and before signing up for their internet/cable service my previous account was scrutinized by them and there were absolutely no issues in the past or I would have been denied any service with XXXX. In the past XXXX tried to collect a debt that was NOT owed them but took forever for them to admit it. Subsequently this claim is totally bogus and unwarranted. This collection company is out of control and must be reprimanded and never to bother us again.
Product: Bank account or service

Bank account opened in my name fraudulently. Notified Citibank and credit reporting agencies. Requested information to verify accuracy of information sent to XXXX and received no response from Citibank but received incomprehensible, and inaccurate information from XXXX that does not validate the claims citibank has reported. This has caused problems with me opening a bank account.
Product: Debt collection

I am getting calls, texts and letters from XXXX different companies claiming to be collecting on the same XXXX bills. I have not responded to either, because I'm confused on who either of them are and why they got it in the first place. The bills they are claiming that I owe were never sent to me from the actual XXXX  providers. The companies are Portfolio Recovery and XXXX XXXX XXXX.
Product: Checking or savings account

I opened the new Citibank account on XXXX XXXX and deposited $ XXXX on XXXX XXXX. I confirmed with Citi customer service at-least twice that my account has met all eligibility requirements for {$500.00} bonus. See attached screenshot of my communication with CitiBank. Still even after passing the first 60 days and then 90 more days, I haven't received the {$500.00} bonus promised to me. In the last two weeks I called customer service twice and the agent  agreed that my account met all eligibility requirements i.e. the combined balance between my saving and checking is more than $ XXXX till date, and they will create a case for the back office to process this {$500.00} bonus. But within a few days after this discussion, I received the secure message that bonus can not be provided without explaining a specific reason. I am totally frustrated and feel like this is a scam by CitiBank. Everybody agrees on the phone that I should get a bonus but can not keep their promises. Citi customer service is worst, it takes first 40 minute to get to the agent and then they just transfer to others. Many times calls get disconnected in between and nobody calls back. With this kind of customer service, I am not sure how they should be allowed to run a financial institution. Please review this and help me in getting rightful, promised, {$500.00} bonus.
Product: Payday loan, title loan, or personal loan

I received billing statement from GreenSky yesterday XX/XX/2018, and realized there must have been some misunderstanding between your company and the contract made by XXXX XXXX XXXX, Waterproofing business. Also, I believe this company has been misinformed by Mr. XXXX XXXX, the sales person/inspector of Waterproofing company, XXXX XXXX, XXXX. Mr. XXXX came to my home XX/XX/XXXX, and offered me of a financing opportunities while he was explaining about the contract for waterproofing he wanted me to sign its contract with his company. Mr. XXXX told me that the contract with his company and financing payment would be in effect on the date XXXX XXXX companies complete their work. The bill that I received XX/XX/XXXX shown as if I purchased {$3400.00} XX/XX/2018 from XXXX XXXX, and charged activation fee of {$39.00} XX/XX/XXXX, and Finance charge of {$15.00} XX/XX/2018, which totaling {$3500.00}, and due date is XX/XX/2018. The interest dare shows 6.99 %, and daily Percentage Rate is 0.01915 %. The also bill shows phone number XXXX and email address XXXX. However, I can not reach GreenSky either ways. The company 's payment address is GreenSky XXXX XXXX XXXX NC XXXX. My husband is XXXX, and I am his full power of attorney, and so all contact must be made through me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXXXXXX XX/XX/2022 XXXX  XXXX XXXX XX/XX/2022 -XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 -XXXX XXXX XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 -XXXX XXXX XX/XX/2022 XXXX  XX/XX/2022 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX -XXXX XXXX XXXX XXXX XXXX XXXX  XXXX -AT T XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

To whom it may concern, As a consumer, I request all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I contacted your company to inform you that I am a victim of data breach/identity theft. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXXXXXX XXXX XXXX XXXX XXXXXXXX - The Equifax data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. 

XXXX XXXX - XXXX - The Equifax data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX Re : Notice for Proof of Claim Account No. : # XXXX To Whom it may Concern : This is a legal and notarized document. XXXX XXXX   XXXX, XXXX. XXXX, XXXX XXXX XXXX. XXXX ( XX/XX/1959) .States Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is nontransferable. 
If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX  XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Also, I have received a statement claiming that I owe a debt to XXXX-XXXX  XXXX XXXX   and that you are the second collection company. Since this is an error, I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin. 6. ) Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and XXXX-XXXX   XXXX  XXXX  that gave you the right to collect this debt Account No. :XXXX  Respectfully Submitted What would
Product: Debt collection

For about 6 months i have been receiving an 'Unknown ' call to my cell phone. Up to 10 times a day. They never leave a voice mail so I thought it was just a spam call and was frustrated because I could not block the number. Then I started to get texts to contact Comenity XXXX XXXX RE : XXXX XXXX XXXX starting on XX/XX/2019. Again I thought it was spam. 

Today, XX/XX/2019 they left me a threatening voice mail about the status of my account. And that is was 'escalated status that needed to be repaired in regards to this matter and the decision rendered may directly impact you without a response. ' I have no idea who Comenity XXXX or XXXX XXXX are. I have no account with them, never bought anything from them etc .... 

I called the XXXX number and spoke to someone in their call center. I told them I have no idea who they are, don't have an account with them and asked them to tell me what this is in regard to. They would not tell me anything unless I confirmed my address and last 4 of my SSN. I told them there was no way I was going to give them my personal information and that it sounded like a scam. I also told them that they engaging in Unfair, Deceptive and Abusive acts and that I was going to file a complaint with the CFPB and if they called me again they would be speaking to my lawyer. 

They said they would remove my number and not call me again but I want to make a record of the conversation because I have no idea who they are and if they will attempt to ding my credit or anything else these unscrupulous companies may try to do.
Product: Debt collection

To whom it may concern, I am requesting for assistance with Genisis FS Card Services Unwillingness to Provide assistance with my current hardship. I have asked for a modified payment arrangement with no response after previos phone calls. I have been facing financial hardship recently due to income reduction, which has made it difficult for me to keep up with my credit card payments. 

In light of my situation, I took the initiative to contact them in the hope of reaching a reasonable payment arrangement with a reduced interest rate. The current interest rate my lender is charging me is obscene! I am willing to work with them for a reasonable payment arrangement to clear my outstanding balance. However, I regret to inform you that despite my efforts, I have not received any viable solutions from my lender.
Product: Mortgage

Do to Financial problems health problems we fell behind in our mortgage we were advised to apply for a mortgage modification that would be helpful in our time of need .We Applied in XXXX and have got the run around ever since then it seems is though the lender is doing every thing to discourage us from even getting to a point of rendering a decision my husband who is XXXX and myself a small XXXX XXXXXXXX XXXX have paid our bills religiously and have now fell on some hard times.we really need to ave this done we are falling further and further behind the lender is threatening foreclosure rather than assist us to modify the our property.Each time we send what is requested we are told we have to wait to verify receipt days later if it has been verified we have to call continuously with no return calls to us it is very disrespectful and callous
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

Despite resolution with the bank, valid law enforcement reports, and removal by XXXX and XXXX, Experian persists in claiming I haven't followed the steps. They consistently dismiss my valid documents, and I urge the Consumer Financial Protection Bureau to investigate this apparent neglect. XXXX XXXX was fraudulent and I already filed with XXXX.
Product: Credit reporting or other personal consumer reports

Details of the Issue On XX/XX/year>, I formally disputed a debt reported by XXXX XXXX XXXX ( XXXX  ) with all three credit reporting agencies ( XXXX, Equifax, and XXXX ). I provided supporting documentation, including a police report and an identity theft affidavit, and requested that the debt be removed until XXXX XXXX XXXX ( XXXX ) validated the alleged debt. 

Despite my timely dispute, all three CRAs failed to conduct reasonable investigations or properly address the inaccuracies in my credit reports. The debt was not removed from my credit reports until XX/XX/year>, months after I provided evidence and filed my dispute. This delay caused significant harm to my financial standing, emotional well-being, and reputation. 

Issues with CRA Conduct 1. Failure to Conduct Reasonable Investigations Under FCRA 611 ( a ), the CRAs are required to conduct a reasonable investigation into disputes. In this case : The CRAs continued to report the debt without requiring proper validation from XXXX XXXX XXXX. 
The CRAs failed to account for the evidence I provided, including a police report and identity theft affidavit, as required by FCRA 605B. 
2. Prolonged Reporting of Fraudulent Debt Despite being notified of my identity theft claim and dispute, the CRAs allowed XXXX XXXX XXXX to continue reporting the debt, violating FCRA 1681e ( b ), which mandates the accuracy of consumer reports. 
The debt remained on my reports until XX/XX/year>, months after my initial dispute. 
3. Failure to Block Fraudulent Debt As a victim of identity theft, I provided the required documentation under FCRA 605B to block fraudulent information. The CRAs failed to act promptly and continued to report the debt until it was eventually removed. 
4. Delayed Correction of Inaccurate Information The CRAs only removed the debt after significant delays, which caused financial and emotional harm. This violates their obligation under FCRA 1681i ( a ) to correct inaccurate information after a dispute. 

Harm Caused 1. Financial Harm : The inaccurate reporting of this debt lowered my credit score, resulting in credit denials and higher interest rates on loans and credit cards. 
The delay caused me to lose financial opportunities. 
2. Emotional Distress : The CRAs failure to promptly investigate my dispute and remove the fraudulent debt caused stress and anxiety. 
3. Reputational Damage : The prolonged presence of this invalid debt on my credit reports harmed my reputation as a reliable borrower. 

Violations of Federal Laws Fair Credit Reporting Act ( FCRA ) : 1. 1681e ( b ) : The CRAs failed to ensure the accuracy of information in my credit reports. 
2. 1681i ( a ) : The CRAs failed to conduct reasonable investigations into my dispute and correct inaccuracies promptly. 
3. 605B : The CRAs failed to block fraudulent information despite receiving appropriate documentation, including a police report and identity theft affidavit. 
4. 1681s-2 ( b ) : The CRAs failed to ensure that XXXX XXXX XXXX , as a furnisher, properly investigated and corrected the inaccuracies.
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2021, I fell victim to a multi-layered scam operation orchestrated by XXXX which involved me making deposits for a total amount of XXXX USD from my CashApp account to the fraudulent investment firm.