23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am contacting your agency in hopes you can help me with some charges on my Walmart Mastercard ( Synchrony credit card ). I would like to dispute all charges made by XXXX aka XXXX Web Stories LLC. I was contacted by an individual who said that he found out that I had purchased an XXXX Affiliate membership and that unless I had an unique Web Site and a way to bring me a lot of traffic ( visits ) to it, that I would never make any money. He said that he could do all of that for a fee. We discussed several options and decided that his {$12000.00} package would work best for me. Which I paid {$5000.00} on my Synchrony card. So I used credit cards to pay his company that much. All the financial transactions were done by his assistant. A few days later another individual called and said that unless I had a back office and a lot of training that I would n't make any money. We discussed several options and decided that the {$7000.00} package would do the job. The same " assistant '' called and helped me charge that amount on my credit cards. She gave me directions on how to access the training modulas, my back office and helped me create and post some blogs. These things were supposed to teach me how to keep traffic increasing and keep it coming to my site. I worked pretty steady for a couple of months. Then both my wife and I had some health problems and I was n't able to spend much time on it. It was supposed to keep running without much attention, but I never saw any sales and the traffic did n't even increase. Then my wife was hospitalized XXXX times and was sent to several XXXX and went through a lot of tests. She still has XXXX more XXXX test to see if she is strong enough to undergo XXXX. Regardless when they sold me they said they would do the work and in result I would start making sales. I did not make any money. I was left with a non functional business and a large debt since I paid to this company a total of {$19000.00} and they never showed any results of the work they have done.These companies prey I tried to resolve directly with them and get my refund but they ignored my requests. They did not provide the services as promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent disputes to XXXX and trans union to asked them to delete my 2 bankruptcies off my credit since I contacted XXXX  XXXX and the courts and XXXX XXXX have deleted the bankruptcies off my credit and the courts dont report to the credit reports so they need to be deleted per XXXX  XXXX
Product: Mortgage

SPS loan servicing has misled us into believing that our hardship review was being processed and underwritten and only required some time in order to review. Since XX/XX/XXXX we 've asked of all the documentation that was needed to complete the review and within 2 days we complied. We have proof of receipt of all documenation remitted was received by SPS. A week later a redundant set documents were requested. We established that these documents had already been remitted but SPS indicated that this was not in their control and that our processing for review would be denied should these redundant documents not be resubmitted. We were told on XX/XX/XXXX that all documents were in and that the loan was in underwriting. This was confirmed by XXXX XXXX the manager. Today, we were informed that this loan was not in underwriting by XXXX XXXX and that another set of redundant documents consisting of pay stubs was needed. We communicated that these documents had been sent in and confirmed received two weeks ago. We are now concerned he that SPS has intentionally misplaced our documents and is intentionally delaying our loan modification review in order to cause us to lose our home.
Product: Money transfer, virtual currency, or money service

service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

Dear support Team, I am writing to submit a complaint regarding the permanent limitation placed on my PayPal account, which I believe was a mistake. I respectfully request that you re-investigate my case and restore my account if possible. 

Firstly, I would like to clarify that I have not violated any PayPal policies or engaged in any activity that would warrant a permanent limitation on my account. I have always used my account in accordance with the terms and conditions of PayPal, and I have never engaged in any fraudulent or unauthorized activity. 

Secondly, I believe that this limitation was placed on my account due to a misunderstanding or error on PayPal 's part. I have not received any communication from PayPal regarding the reason for the limitation, and I am not aware of any suspicious activity or violation of policies on my account. 

As a loyal customer of PayPal, I strongly believe that the limitation placed on my account is unjustified and is causing me undue hardship. I am unable to access my funds, make payments or receive payments, which has caused significant inconvenience and financial loss. 

Therefore, I kindly request that PayPal re-investigate my case and restore my account if possible. I am willing to provide any additional information or documentation that may be required to resolve this matter. 

Finally, I would like to confirm that the email address associated with my PayPal account is XXXX Thank you for your attention to this matter. I look forward to a prompt resolution of this issue. 

Sincerely, XXXX XXXX
Product: Mortgage

Good Morning Select Portfolio Servicing was my mortgage lender they are big time scam artists, I sold my house on XX/XX/2021, I had a payoff letter that stated I owed my payoff at XXXX that I gave to my closing agent and when my closing agent confirmed with Select Portfolio they jumped up the price of payoff by XXXX for no reason, they tried to hit me with everything the Governor stated they couldn't because of XXXX and I am still waiting on a refund check from closing, every time I spoke to someone in the Ombudsman office the amounts changed and nobody was on the same page, I even wrote to the CEO of Select Portfolio who told the Reps to solve the case, they waived some charges per the CEO but the actual Reps in the Ombudsman office went against that and put those charges back on my account, I am really getting tired of these mortgage lenders scamming consumers of their hard earned money. I don't have my old account number but I can give you my social security number I am XXXX XXXX XXXX and I don't need this aggravation I am owed XXXX and I want my refund sent to me or my daughter XXXX who takes care of all my finances, I shouldn't say a refund what it is actually is the correct payoff amount I overpaid my payoff by XXXX and Select Portfolio will lie through their teeth to not send me my money, they ripped a lot of people off during the covid pandemic and they also have many many law suits against them you might want to check out while you are investigating this matter. I need my money returned to me that they scammed me out of and lots of other people as well. I was referred to you by a reliable source and they told me you go after scamming mortgage lenders and I am hoping you can resolve this matter for me and get me my money back Thank you XXXX XXXX XXXX XXXX and my daughter XXXX XXXX who is also on the deed of that property who handles the finances of that property
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent LCI a request to investigate and verify the accuracy of bankruptcy case number XXXX vial mail on XX/XX/2022 and via CFPB on XX/XX/2022 in which LCI acknowledge receipt of the request and responded that the " Company response is in progress as of XX/XX/2022 ''. 

CFPB Complaint Number XXXX My initiation complaint " I have attached my letter that I mailed on XX/XX/2022 that you told me that you never received on XX/XX/2022 '' My initial fair resolution request : ; Please acknowledge my letter and respond within a appropriate time frame. Also, please do not close this complaint without attaching your response. If any changes are made your are required to share the results with Transunion whom you share a relationship with Today is XX/XX/2022, and I still have not received a response from this company! 

LCI has failed to conduct an ( re ) investigation of bankruptcy case number XXXX in question within the required timeframe as outlined by the Fair Credit Reporting Act, and must subsequently remove this record from my LCI report. 

15 U.S. Code 1681n - Civil liability for willful noncompliance Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

-- COLLECTION ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened onXX/XX/2020 with a balance of {$6300.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened onXX/XX/2020 with a balance of {$30000.00} -This is not my account.
Product: Debt collection

A company called AFNI ( XXXX ) keeps calling me and asking for someone else. I've told them repeatedly it's the wrong number, but then they start harassing me about whether I know the person and whether I have contact information for them. I don't even recognize the name, and I've told them to stop calling, but they keep calling me. How do I make them leave me alone? This feels like harassment.
Product: Credit reporting or other personal consumer reports

After reviewing my credit reports, I have identified some information that were not authorized. I'm a victim of Identity theft and this information is inaccurate.
Product: Debt collection

I applied for Best Buy Credit Card.. I never received it, I never got a Statement, I asked many times when I would be getting it. I was told up to a month or more. I decided something was wrong I called very early after application. Best Buy had all my information wrong. I had not made any purchases. I told them forget it close the account. The representative said that would be fine and account was closed. I started getting calls and looked number up I saw it was best Buy so I called again and said I cancelled and again was told rest assured the account was closed and no further action was needed.   They call 3 times daily I am not going to play account repair with someone in  XXXX . Best Buy is in the USA. his has gone on long enough
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and would like these unauthorized inquiry 's removed 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 reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX EXPERIAN XXXX XXXX XXXX XXXX TX XXXX Dear EXPERIAN, I notice that theres information thats on my consumer report that is a result of identity theft. I didnt not provide written permission or instruction for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. 
Please be advised that my request to block isnt being made in error ; not is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transitions. The identified transactions are not information related to any transaction by me as the consumer : 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 You must respect my right to privacy, I have a right to privacy and youre violating my right as a federally protected consumer. 
Please be advised that you're in violation of federal law under the fair credit reporting act. Under the FCRA 15 USC 1681B-Permissable Purposes of Consumer Reports ( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I never gave XXXX any written instruction to furnish a consumer report, no consent is identity theft. A copy of the identity theft report as proof marked Exhibit A attached. 
Furthermore you violated 15 USC 1681 ( a ) 1 ( 2 ) ( 3 ) ( 4 ) ( b ). I was not treated fairly and these fun fair credit reporting methods undermine my confidence as a consumer which is essential to the banking system and the banking system is dependent upon fair and accurate reporting. My reputation, character, credit standing, credit capacity and credit worthiness I have not been able to obtain efficient credit, insurance, employment or housing as well as suffered from mental anguish, stress, XXXX, and marital problems. 
( XXXX ) XXXX you have assumed a vital role in assembling and evaluation on my me as a federal protected consumer Fairness, impartially and respect for my right to privacy was not extended to me. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness impartiality, and a respect for the consumers right to privacy. 

You have prevented me from extending credit and stopped my livelihood by violating my rights to consent and privacy. You have to adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to me with regard to confidentiality, accuracy, relevancy I DO NOT CONSENT TO E-OSCAR VERIFICATION!! 
** Reminder its against the law to use the furnisher to verify any information. 15usc 1692 FDCPA ). You must conduct a personal interview.
Product: Debt collection

I am repeatedly receiving a collection notice from Transworld Systems , Inc. regarding a debt owed to XXXX # XXXX in the amount of {$61.00}. When I call XXXX, I am told that I do not have any balance due. XXXX has noted this on my account. Transworld keeps sending me these collection notices, however. When I attempt to call Transworld, I get put into a call queue, which then dumps into a voicemail, and no one ever answers or returns the call.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX, a consumer reporting agency, regarding their failure to conduct a proper investigation into inaccuracies on my credit report, as per my rights outlined in the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2024 I submitted a dispute to XXXX regarding specific accounts on my credit report that contained multiple errors. Despite my explicit documentation of these inaccuracies, XXXX responded by affirming the validity of the disputed accounts, indicating that they had been " verified. '' However, the evidence provided in Exhibit A clearly demonstrates the presence of errors, making XXXX 's verification process highly questionable. 

Accts # XXXX # XXXX Furthermore, upon reviewing a subsequent credit report, attached as Exhibit B, I discovered that the inaccuracies persist despite the supposed verification of the disputed accounts. Despite my efforts to rectify these errors and request a reinvestigation, XXXX has failed to address the ongoing discrepancies, thereby violating my consumer rights guaranteed under 15 USC 1681i of the FCRA. 

As a consumer, I expect and demand that XXXX upholds its obligation to ensure the accuracy and integrity of my credit file. The negligent handling of my dispute not only undermines my financial well-being but also erodes my confidence in XXXX 's ability to safeguard consumer data. 

Therefore, I kindly request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter thoroughly and take appropriate action to hold XXXX accountable for its failure to comply with federal regulations. I also urge the CFPB to ensure that XXXX implements corrective measures to prevent similar instances of negligence in the future, thereby safeguarding the interests of consumers nationwide.
Product: Vehicle loan or lease

XX/XX/XXXX i purchased a vehicle from XXXX & XXXX XXXX financed through Zinc auto finance. i have had nothing but problems with the vehicle from day XXXX and have spent the last year making payments on a vehicle that I have been unable to drive. 
around XX/XX/XXXX i contacted the finance company to explain the situation that i have been making payments non a vehicle that i have been unable to dive and requested to have the loan applied to another vehicle. the company stated that they would not help me in anyway. XX/XX/XXXX I contacted Zinc to have them pick up the vehicle. I explained to them that I was unable to continue making monthly payments for a vehicle that I am and have been unable to drive for an entire year. the representative stated that they will report this as a repo to the credit agencies & asked if i will be making payments once they sell my vehicle
Product: Credit reporting or other personal consumer reports

I am the subrogee of all said accounts not the subrogor/creditor update all the said accounts
Product: Credit reporting or other personal consumer reports

I am writing to address a matter of utmost importance regarding the inaccurate and misleading information found on my credit report. This letter serves as my third attempt via CFPB to rectify the situation, as my previous correspondence did not yield a satisfactory resolution.
Product: Debt collection

Good Morning. 

I went to XXXX XXXX on XX/XX/XXXX for an minor incident. All my details were provided to the Hospital with my insurance card. My insurance was provided by my Employer and it's with XXXX XXXX XXXX. Hospital charged XXXX to my insurance and the claim was settled. Then Couple of months later received a call regarding doctor 's bill and asked for my insurance details. I shared them the same details which I shared with the hospital. After that, I did not receive any call or letter. 

A Year later, received a call from Collection Agency regarding this Bill. I was shocked and asked them for the claim details. They said the claim was rejected by my insurance company. So, I had a three way conference call between XXXX, Myself and Collection agency. My Insurance company confirmed that the claim was never submitted and only the hospital bill was submitted. My insurance company was ready to pay them if they can send the proof of rejection. They did not share any details but kept calling me everyday with a discounted price instead of sending the proof. I even asked them to send the Doctor 's Bill and Proof of rejection to my mail address - So, I can claim it directly to my insurance company. But, they did not send any info and stopped calling. Now, After almost 4 Years I got a call from a new company Phoenix Financial Service and they also gave me a discounted price which I am ready to pay. 
They also reported this to credit agencies as service date as XX/XX/XXXX and my credit score is reduced due to this. So, this Derogatory mark should be removed from my account.
Product: Mortgage

I received a letter on XXXX-XXXX-2018 from Citi dated XXXX-XXXX-2018 explaining that I made a payment on XXXX-XXXX-2018 in the amount of {$69.00}. I have tried to explain to them that I did not make this payment or the info in the letter regarding this XXXX account number does not belong to me. This must have been an error on Citi part for entering the incorrect account number. Citi has yet to get this matter resolve and remove this payment off my account. I always pay my account online in full every month. There was no need to make any payment arrangements. Please review for correction. I have enclosed a copy of the letter from citi and my account showing the payment entered incorrectly.
Product: Student loan

This loan started with the US Department of Education as it is a federal student loan. The payment was {$50.00} a month which is very manageable. In XXXX of XXXX  I bought a home and our broker at the time inquired about this loan because of the small payment amount of {$50.00}. Our broker, my wife, and I made a conference call to the department of education. The representative confirmed the {$50.00} per month payment and promised all of us that the amount would never raise. The amount would be {$50.00} forever. Not long after my loan was sent to XXXX where immediately my payment went up. At some points as high as {$800.00} per month. Immediately I have been lied to. Each year I have to recertify my Public Service Repayment Plan program because after 10 years my loan is forgiven. In XXXX I tried to recertify as I have every year and I was denied. They said I filled out my application incorrectly. So I completed the application again and again everytime denied because I filled it out wrong so they said. I had a representative walk me through how they wanted it filled out over the phone and still it was denied. Several months have gone by at this point. Frustrated I looked online to see where I can get help and I found out about the Ombudsman Department. I contacted them and immediately a representative responded. I started to feel good about this. The representative had me fill out the application and I did so just like I had every time before. I was immediately approved. I did nothing different. I don't know why I was denied as my ombudsman application was exactly the same as the 13-14 previous applications. I didn't know why they had denied me and they couldn't explain it to me either. Then when I received a statement I realized that they had charged me interest for the past year of applying to recertify my loan. They didn't take a payment but they charged me more interest than I would have paid. Now my loan is supposed to be forgiven after 10 years but What will happen now? Will I be payed back for that year I lost filling out applications? I asked them and I received no answer. I want to know if that year they took from me will apply to the 10 years of the loan or if I will now have to pay for 11 years. They took a year of my life. I am convinced they purposly denied my applications to get more money out of me. They only have 10 years to get money from me but if they hold my payments and make me fill out applications for a year thats another year of interest I have to pay. So instead of 10 years I pay 11 years of interest. Its an attempt to get more money from me. I know this. 

This loan which started at {$50.00} per month was at over {$800.00} per month but now at around {$580.00} this is too much money for me to handle. They take my wife 's income into account but they don't account for my other loans, my wifes loans, or any of our other financial obligations. I have no problem making a payment but I want it to be manageable.