23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This letter serves as a second and final notice regarding my dispute of the unauthorized collection account listed on my credit report. I initially submitted a dispute on XX/XX/XXXX, under my rights granted by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To date, I have not received any valid resolution, nor has the account in question been removed or properly validated. This lack of response constitutes a violation of both federal laws.

As a reminder, the details of the disputed account are as follows : Creditor/Collection Agency Name : XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Amount : {$1000.00} Date of Account : XX/XX/XXXX Additional Violations : I would also like to point out that XXXXXXXX XXXX XXXX XXXX XXXX does not hold the required license to collect debts in the state of Ohio. This lack of proper licensing renders all collection activities by this agency in the state unlawful. Any attempt to collect a debt in Ohio without a license is a direct violation of state law, and therefore, this collection account should be removed immediately from my credit report. 

On XX/XX/XXXX, I sent a debt validation letter to XXXX XXXX XXXX, XXXX, requesting validation of this debt within 30 days as required by the FDCPA. To date, I have received no response or documentation validating this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown items on my credit report. I have not received a response yet and it has been 30 days. Please remove these inaccurate items that were originally disputed on the date above from my credit report.
Product: Mortgage

The Company did not provide me with a copy of the XXXX  that I paid for, which was the entire purpose of the previous complaint. They didn't specify the value the XXXX came back at, or the principal amount I would need to pay to bring the XXXX under 75 % to cancel PMI. They also didn't provide a copy of the investor guidelines which specify that 75 % is the applicable XXXX. No documentation and detailed course of action and manner of directly contacting a supervisory level employee at the company has been provided. I need : XXXX all the above documentation AND XXXX my taxes and insurance taken out of escrow, AND XXXX the PMI canceled as well.
Product: Mortgage

I bought my property with an XXXX loan. My first loan was succesfully modified making my payment much more affordable. I applied for a loan modification on my XXXX mortgage in several ocassions but it was never approved. This loan was serviced by XXXX XXXX XXXX, and In XXXX of 2015 I received a 1099-C tax form canceling such debt. I properly reported this cancellation of debt in my 2015 Tax return. A few months later I was contacted by Green Tree Servicing LLC, informing they just took over the servgicing of such loan. I was advised by a Housing Counselor to report the incidents since this can be related to a phantom debt scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlier this year I found out that I was a victim of identity theft. I notified the authorities, the FTC, Transunion, XXXX, XXXX and also filed a claim with the CFPB in reference to the fraudulent accounts that had been applied for and reported to my credit profile. I have recently noticed additonal accounts that have been fraudulently applied for and that are reporting to my credit profile. I have also noticed additional attempts to obtain fraudulent accounts in the form of credit inquiries on my credit profile. I am extremely discouraged by this situation and feel helpless because some criminal has access to my personal information and at any time can use it to commit criminal activity. This activity has caused me anguish and torment, knowing that no matter the efforts I put into remedying this situation it can all be wiped away with another additional fraudulent act by this criminal.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of my disputes in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was not possible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has allowed repeat offenders to exploit the system, leaving consumers vulnerable to scam. This lack of accountability and transparency is unacceptable and raises serious concern about consumers safety.
Product: Mortgage

Freedom Mortgage Corp XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ) conducted XXXX escrow analyses on my account on XX/XX/XXXX and XX/XX/XXXX. As a result, my payment amount changed in XXXX and again in XXXX. I did receive a letter stating my new payment amount would change effective XX/XX/XXXX, but did not receive notification that my payment amount changed for XXXX. I paid my XXXX payment, but due to the XX/XX/XXXX escrow analysis, my payment was off by {$120.00}. Freedom Mortgage never applied my XXXX payment to my account and failed to contact me that my payment amount was insufficient due to the recent change. They claim they called me but never left a voicemail and it was not until XX/XX/XXXX did Freedom Mortgage send out correspondance that I was now missing both XXXX and XXXX payments, but in reality I had made XXXX payments. So, they applied my XXXX payment to XXXX and my payment sat in " unapplied fees '' status for more than 30 days. I called XX/XX/XXXX and after they removed late fees I paid them {$120.00} and then my account was brought current. I called again on XX/XX/XXXX to try and resolve the credit dispute with the company. XXXX, the supervisor I spoke to, explained the policy is black and white and the credit report sent for late payments was accurate and not " courteous '' adjustments will be made. I am not asking for a courtesy adjustment, I am asking for my credit to be restored due to miscommunication. Funny how the company can call me and email me weekly about refinancing my loan, but they state they called me XXXX times in XXXX and never left a voicemail regarding my account or payment being insufficient. I never received an email. Also curious how the company was quick to send communication about HUD and other government assistance programs but not apply funds paid to my account. Mistakes happen and but if you miss your payment amount by less than 0.5 % of the total due it can ruin your credit. Companies claiming they reached out, never leave a voicemail, no email correspondence, or someone realizing I have never missed a payment since the company assumed my loan and history of making payments account for trying to resolve and restore a customer 's issue. Voicemails are only for customers willing to buy more services and the never-ending upsell. 

I have protected my credit my entire life and never missed a payment. Due to miscommunication and a company payment poor payment process, they are unwilling to assist me with the negative credit reports sent. The low line supervisor ( XXXX ) who claimed there is no other escalation path and that my issue is black and white and attempted to terminate the call, you wonder why mortgage companies like this go out of business more often than not. Don't take accountability for your poor communication or poor processes, just ruin customer credit instead and due a escrow analysis each month and take zero accountability or lack compassion to see how their processes are confusing cusotmers and causing inaccurate payment amounts to be sent.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding the reporting of a collection on my account by Cavalry Portfolio Services, which I believe is not properly validated under applicable laws. 

I have previously sent a notice of dispute to Cavalry Portfolio Services on XX/XX/XXXX requesting documentation to validate the alleged debt in question. Specifically, I requested the following documents to prove that the debt is legitimate and that Calgary Portfolio Services has the legal right to collect on it : 1. Forward floor agreement 2. Audit trail 3. Affidavit of debt 4. Original due hold on the course of the debt 5. Affidavit of custody 6. Account ledger 7. Chain of title 8. Chain of custody Instead of providing the necessary documents I requested to properly validate the debt, Cavalry Portfolio Services sent me a copy of a contract and billing statements, neither of which constitutes proper validation under legal standards. A billing statement is simply a record of a running balance and does not provide documentary evidence of the debts legitimacy, nor does it reflect the full accounting records required to verify the debt. 

Billing statements only show a summary of account transactions, but they fail to include critical information such as the full accounting trail, the proper chain of title, and other essential documentation that would legally prove the debt and Calgary Portfolio Services right to collect it. This is consistent with legal precedents, such as XXXX XXXX XXXX ( Indiana, XXXX ), which determined that billing statements are insufficient to validate a debt, as they do not demonstrate full accounting records. 

Additionally, this serves as my final notice to Cavalry Portfolio Services : If the proper documents I have demanded are not provided promptly, I will pursue civil and criminal penalties in court. I will also demand the deletion of this tradeline from my credit report. 

In light of this, Cavalry Portfolio Services has defaulted on their obligation to provide proper validation for the debt, and I respectfully request that the CFPB investigate this matter. I also request that Cavalry Portfolio Services cease reporting this debt to the consumer reporting agencies until they can provide the proper documentation outlined above, which would constitute full and accurate validation. 

Thank you for your time and attention to this matter
Product: Debt collection

I was contacted in a voicemail to call phone number XXXX. They stated they were XXXX XXXX XXXX. I was being sued for a XXXX XXXX debt of {$1000.00}. This debt does not show on my credit report. They called my me, my wife, my son and my job. When I tried to find out more information about this cam they just threatened me.
Product: Payday loan, title loan, personal loan, or advance loan

Interest rate started at XXXX % which is over my state regulated limit of XXXX %. Furthermore the interest rate increased to XXXX % within XXXX  years, a XXXX % increase when in my state, the annual interest rate should not increase more than XXXX  % over the term of a loan. Also, my payments have been made on time every month for over XXXX years. When looking at my verification of debt I was provided a pay schedule which revealed to me that my monthly payments have been allocated to putting a very small amount on my principal, which changes every month, it is not consistent each month and then the rest is applied to my interest amount which would make me accrue additional fraudulent interest every day ( per the promissory note ) prolonging my ability to pay the loan off in the stated XXXX  months.
Product: Debt collection

There are 3 open collections showing on my credit report form 1st pt. I have never received notification of this debt. There have been no attempts to contact me at my address or phone number. The first knowledge of this debt is XX/XX/XXXX when it popped up on my credit file as 3 new collections in the amounts of {$48.00}, {$100.00} and {$130.00} all from XXXX XXXX XXXX. One of the are passed statute of limitations in the state of North Carolina. Also accounts are from XXXX and I have filed Chapter XXXX XX/XX/XXXX and all accounts were included. These accounts need to be removed from my credit file immediately as they are included in the BK.
Product: Credit reporting or other personal consumer reports

: This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am very much in disbelief of what's happening with my consumer report, the listed accounts are listed below. 
This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts. 
ACCOUNT NAME : XXXX  ACCOUNT NUMBER : XXXX DATE OPENED : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XXXX The fraudulent accounts have led to multiple erroneous hard inquiries and collections on my XXXX credit report, causing me significant distress. I request the immediate removal of these fraudulent entries from all of my credit reports and demand that all related collection activities cease, in accordance with my rights under the FCRA and FDCPA laws. Attached is a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) from the XXXX Federal Trade Commission, verifying that these accounts, collections, and inquiries are the result of identity theft and fraud.
Product: Mortgage

I have paid my mortgage payment, XXXX XXXX XXXX on XXXX XXXX since XXXX when I purchased the property. County taxes were received XXXX XXXX from the closing in XXXX. The mortgage company failed to send XXXX taxes to county.. A lien was placed on the property and then sold. The end of redemption is XX/XX/XXXX. The county taxes have been escrowed, however, the mortgage company have neglected to pay the taxes to the county Or attempt to resolve this issue in a timely fashion. When calling the mortgage company they transfer me to the escalation department. They tell me the tax department is taken care of this. And 14 months of me calling weekly, nothing has been done. And now we risk losing our home to a tax lien at no fault of our own. We need help!
Product: Debt collection

this is a formal complaint against XXXX XXXX, a third-party debt collector, for violating the Fair Debt Collection Practices Act ( FDCPA ) and to seek monetary relief for the distress and financial harm caused by their actions. 

Complaint Details : Debt Collector : XXXX XXXX XXXX XXXX XXXXXXXX Nature of Complaint : Lack of Written Notification : XXXX  did not notify me in writing about the alleged debt before placing it on my credit report. This is a direct violation of the FDCPA, which requires debt collectors to provide written notice of the debt and an opportunity to dispute it before taking adverse action. 

No Contract or Business Relationship : I have never engaged in any business with XXXX and have no contractual agreement with them. Their claim is unfounded and unauthorized. 

Inaccurate Reporting : The account information reported by XXXX is inaccurate and incomplete. The balance listed on my credit report does not match any previous obligations, and the presence of " payment terms of 1 month '' is misleading and incorrect for a collection account. 

Unauthorized Credit Report Entry : XXXX added this account to my credit report without my consent, violating my right to privacy. They have failed to provide any evidence of my consent or their right to report this debt. 

Impact : The actions of XXXX have significantly harmed my credit score, caused undue stress, and potentially affected my ability to obtain credit, housing, and employment. Their failure to comply with the FCRA, FDCPA has also caused emotional distress and financial instability.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one USA pulled my credit report without my knowledge or permission from three different locations. Its fraud and they didnt do anything on there part when contacted.
Product: Credit reporting or other personal consumer reports

I have been experiencing identity theft for a few years. I didn't recognize the problem until XXXX XXXX XXXX  when I was told someone turned in my tax return before I did. I have been working on my credit since XXXX and paying student loans..I had a bunch of issues with studentgov and trying to get a few accounts off my credit report that had nothing to do with me. I paid XXXX XXXX  to help me get my stimulus money due to moving around a lot, not getting mail like I was suppose to, and spending money and time waiting and going back and forth due to account errors and not getting the services I paid for. I decided to just call XXXX XXXX XXXX and nothing was done to help the stress and awful service and MISTAKES MADE! They did nothing to help. I have missed out on money as well waiting because I couldn't do all my returns and/or what needed to be fixed with prior returns. I lost my husband in XXXX and the kids and I went through a lot so by XXXX, I was really behind on filing my returns. When the stimulus money started coming in for everyone else that is when I went to XXXX XXXX for the first time to help me with everything! It has been a horrible experience and business experience for me!
Product: Student loan

A while back, this company threatened myself, and my father verbally, stating that they were going to come after us and take away my fathers house. The man on the phone who refused to identify himself at the time also stated that he would make sure that I would be held responsible for not making the minimum payments which were too much for me to make at the time. I offered to send a lower amount in and he said that they would not take it. He went on again to say that he would make sure that they got their money if it meant taking my fathers house.
Product: Mortgage

XXXX XXXX XXXX ext. XXXX XXXX XXXX XXXX ext. XXXX XXXX : I received a telephone call from Mr. XXXX ( on my cell phone ). Mr. XXXX made no mention of proceeding with refinance or his investigation into my concerns of fraud by Wells Faro employees ( although he has made multiple time extensions and there have been multiple notifications to me of delays for said claimed investigation ). Mr. XXXX stated he was going to send me a copy of my current amortization schedule. When I asked, why, he claimed to believe that I had made this complaint ( that is well documented, by now ) wanting a copy of my amortization schedule. 

If he truly believed that, why didn't he just print one up and send it to me when I made the complaint initially? The fact that he didn't shows consciousness of guilt regarding disingenuousness of his absurd assertion and fraudulent attempt to mislead this customer of financial services provided by his employer, Wells Fargo. 

I have had at least three prior phone converstions with XXXX. I have never, in writing nor verbally, requested a copy of my current amortization schedule. To be clear ( as I have been from the begining ), Wells Fargo will refinance my current loan or Wells Fargo will re-amortize my payments. This is NON-NEGOTIABLE. 

During our first converstion, we discussed a Wells Fargo 's employees prior refusal to re-amortize my loan and her claim that it was not allowed by federal guidalines and law. If you read initial complaint, here, you will see that I believe this to be a falsehood. During the XXXX converstion with Mr. XXXX, Mr. XXXX stated repeatedly that it was policy ( Wells Fargo Policy was the alussion ). Which is it? It can not be both. Either I was refused re-amortization becuase of federal guidalines and law or due to Wells Fargo policy. One, or both, of the employees used specific verbage in an attempt to mislead ( fraudulently ) this customer of financial services provided by thier employer, Wells Fargo. 

It is my sincere hope that Wells Fargo will address and correct disingenuous statements, actions, and lack of actions perpetuating fruad with the intent to mislead and disenfranchise this protected class customer and which XXXX XXXX, XXXX XXXX and Wells Fargo XXXX. XXXXl, can be held jointly and severably liable. Should Wells Fargo fail to correct these egregious actions, I will have no choice report them to FINRA and NASAA, and to seek civil remedy. 

Per my last converstion with Mr. XXXX, he will conclude his claimed investigation within 10 days. 

Choose Wisely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

WRONG NAME AND ADDRESSES ARE ON MY REPORT SEE LETER ENCLOSED THAT DESCRIBES THE PROBLEMS
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, Subject : Identity Theft and Lack of Response from XXXX I am writing to bring to your attention an ongoing issue I have experienced concerning identity theft and the inadequate response from XXXX in addressing my concerns. Despite my diligent efforts to resolve this matter, XXXX has not acknowledged or responded to my previous letters, while I have received initial responses from TransUnion and XXXX. Initial letters were sent on XXXX XX/XX/year>. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, consumers are entitled to place a fraud alert on their credit reports when they suspect they are victims of identity theft. This law mandates that credit reporting agencies, including XXXX, must take necessary steps to investigate and respond to claims of identity theft in a timely manner. 

I have completed an identity theft affidavit and an identity theft report, which I have sent to all three bureaus along with a copy of my credit report. Additionally, I included a list of past and previous letters I sent to the bureaus regarding this issue. I have also provided proof of delivery for these letters, which I sent via certified mail. 

Recently, I have discovered new inquiries on my credit reports that I did not authorize or initiate. This further exacerbates my concerns regarding the integrity of my credit information and the need for prompt action from XXXX. 

I kindly request that the CFPB investigate this matter and assist me in ensuring that XXXX complies with its legal obligations under the FCRA. It is essential that consumers are protected from the repercussions of identity theft and that credit reporting agencies fulfill their responsibilities in a timely and effective manner. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and guidance on how I can further proceed to resolve this issue.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block , Inc ) due to having no ( XXXX ) customer service line or live agent.Thats a XXXX violation. I made countless effort trying to reach but always received an A.I. response, not emails returned or sometimes nothing at all .I seek the honorable actions for these violations.
Product: Payday loan, title loan, or personal loan

I currently have 2 loans that I have been overcharged for. I reached out to the company and I have been told that they are investigating it. The loans are ID:XXXX- Purchase amount XXXX w XXXX intrest & ID : XXXX-Purchase amount XXXX w XXXX intrest. My purchases don't add up to anywhere near the amount listed. I reached out to XXXX numerous times and was always directed back to Affirm. I have proof of my complaint.