23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX in XX/XX/XXXX, XXXX XXXX XXXX was the original lien holder. XXXX XXXXXXXX XXXX was acquired I. XX/XX/XXXX by Capital One Bank, received a letter stating that the bank was acquired and I would be submitting the loan payments to Capital One Bank. I paid the loan off in XX/XX/XXXX. I contacted XXXX XXXX to have a lien release letter sent to me. I was told information could not be found without the VIN, I gave several representatives my name, date of birth, social security number and the VIN. My information could not be found within their system. I am totally baffled by this, especially since I made payments to Capital One Bank for 4 plus years. 
I paid the vehicle off in full.
Product: Mortgage

Rounpoint Mortgage offered me a modified mortgage because of COVD. Almost 9 months ago they sent me paperwork to be notarized, my lawyer was my notary. I mailed this second batch of papers to Roundpoint. 
They lowered my interest to approx. 3 % and told me to pay {$1600.00}. They explained I had a lower interest rate and a 45 years mortgage after a 3 month trial. I completed the trial, as said I notarized the document requested. 
Every month since XX/XX/XXXX I have paid XXXX the {$1600.00}. They called every month up to XXXX XXXX when I made the XX/XX/XXXX payment. 
I am XXXX and am XXXX XXXX XXXX, I drove to our mailbox yesterday and received a letter from Rounpoint with a much higher monthly payment than promised. I called and a female transferred me over to XXXX who started yelling you dont answer your phone, we have been calling you. He was very mean repeating the above quote until I burst into tears. I do in fact keep contact with Roundpointnand made the XXXX Payment on the phone with a person who confirmed all is well, I am approved, all is finalized. 
During this conversation, I find in this giant escrow statement that the loan was no longer in Roundpoint hands. 
I called the new bank and they told me Roundpoint never finished all of this work. Rounpoint told me too bad, XXXX said the FHA did it, do you just want to keep venting? He then accused me of yelling I was just trying to convey to him that the new bank XXXX XXXX said Roundpoint did not do their job, we see paperwork but Roundpoint didnt file it I was lied to for over a year by Roundpoint XXXX they did not do their job as promised and have a fiduciary responsibility to complete what was promised and asked for a 2 documents, 1 was notarized and sent complete to them months ago. 
The new bank has the papers from Rounpoint and said they did not do the job, now I must start all over again. I am a very sick woman and cried all day, it is devastating me.Roundpoint did not finish and shocked me in fine print, within a giant escrow statement they sneak in a higher payment and a new bank, no name of bank provided. So, I have a new bank with a high payment and a boatload of lies and admonishments from Roundpoint that I dont answer my phone. Please help me, Roundpoint blamed me? Even though I speak with them monthly and was promised modification 7 months ago. The letter from them is attached, I just opened it today and was attacked by this bank.
Product: Debt collection

I am submitting this complaint regarding an account that has been inaccurately reported on my credit file. The original creditor, XXXX  XXXX  at XXXX  XXXX  XXXX, transferred my account to IQ Data Int, a collection agency, without providing proper notification. This failure to inform me before the transfer or sale of the debt violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) and may also breach the Fair Credit Reporting Act ( FCRA ).
Product: Debt collection

My name is XXXX XXXX I have an issue of Portfolio Recovery Associates they have been calling me non-stop during the pandemic even though my work went down to 50 % my landlord even had an agreement signed saying about my work shutting down I have threatened them with a protective order they still don't stop calling. And tonight I am 99 % sure called me and took a 30 dollars from phone bill when I picked up the call. For 2 years none stop from differnt numbers all differnt times differnt people same company Portfolio Recovery Associates and it's over a debt with XXXX XXXX that was a fraudulent debt when somone took a criedt card I forget about. 5 years ago almost 6.
Product: Credit reporting or other personal consumer reports

My TransUnion credit report contains inaccurate late payment remarks for XXXX ( Account # : XXXX ) and XXXX XXXX ( Account # : XXXX ). These false records misrepresent my actual payment history and are unfairly damaging my credit profile. I take my financial responsibilities seriously and refuse to allow errors to persist on my report. Other major credit bureaus have corrected similar accounts due to a lack of verifiable proof, raising concerns about why TransUnion continues to report these discrepancies. Under the Fair Credit Reporting Act ( FCRA ), you are required to verify these records with substantial documentation, including original creditor records with a wet signature. If such proof can not be provided, these inaccurate late payments must be removed immediately. I expect swift corrective action and a detailed response explaining the verification process used.
Product: Debt collection

I was contacted by an unknown number from a man claiming to be a private process, XXXX The claiming private investigator called me multiple times in a row ) I was given a phone number to call ( XXXX ) with a reference number XXXX. I contacted National Recovery Services was transferred to a XXXX XXXX who then said I had a case number- I was never stated the Mini Miranda. XXXX XXXX threatened Legal action stating I had a litigation case in the morning for {$470.00} for an account that was 9 years old. ( payday loan 2006 ). He said that someone would be coming to my house and I had court in the morning and was being sued. I told him I am disputing this debt and wanting validation, he told me its already went to other agencies, its pass that point. He told me I could stay out of court if I paid the Pre-litigation balance. XXXX {$470.00} ) I told him the account would be out of statute, he told me know because I wrote a false check, I told him I wanted to see the validation, I did n't know what this was for. He said he was going to sue me, XXXX XXXX Hung up the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violations XXXX XXXX XXXX XXXX XXXX reporting inaccurate information XXXX   XXXX DataX XXXX  XXXX XXXX  TrustID All FCRA violations fair and accurate reporting ITS called fair and accurate reporting cost consumer millions Higher RATES LIFE STRESS
Product: Mortgage

Freedom Mortgage paid the wrong insurance company when I contacted them they paid the new insurance and informed me that when the old insurance company 's sent me a check I was to send it to them so I sent them a check for {$4500.00} {$760.00} was for XXXX rent and the balance for the escrow shortage their records show that they paid XXXX and XXXX rent and said they put {$3000.00} into my escrow account on XX/XX/XXXX I sent a rent payment of {$760.00} which would of been XXXX rent they have charged me over {$300.00} in late payments hung up in my face twice damaged my credit all my rent is caught up they even took a payment of {$700.00} from me yesterday when I am not behind what I need is for them to find the missing {$3700.00} and replace it back in to my escrow account and clear my name with the credit bureau.
Product: Bank account or service

On XXXX/XXXX/XXXX, I walked into XXXX XXXX XXXX and sit down in a sales office in hopes to opening an checking account. To my embarrassment I was denied opening an account due to the information provided by the XXXX XXXX XXXX. I was told that I had a charge off account from Wells Fargo on XXXX/XXXX/XXXX. To my knowledge I took care of this account by paying it off in XX/XX/XXXX. I immediately went to the Well Fargo Office and they after research they apologize and provided me with a letter stating that I did not owe and they have not reported anything negative to the XXXX. I sent a personal letter requesting to have this negative charge remove off my file and I also included the letter from Wells Fargo. 
To my disbelief I receive a letter from XXXX XXXX XXXX, stated that they did a research and that the negative item will remain on my file. When I contact XXXX I spoke with a lady that only provided her first name XXXX, she stated that a representative from Wells Fargo confirm the negative charge and there 's nothing I can do about it, I should just pay my bill. I ask what was the representative name from Wells Fargo because I have a letter from Wells Fargo. She told me that the negative charge will be on my account for 5 years and that I am getting close to the five years and hung the phone up in my face.
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 a account without my written instructions XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX  acct # XXXX
Product: Debt collection

I previously sent a dispute for this company to provide me with documentation showing how I owed this debt and they only updated the XXXX credit bureaus with a statement that it is validated. I would like to know how this company verified the debt as being mine and what methods were use to verify the debt is mine. If they can not provide me with this information in a timely manner, this debt must be removed and updated with all XXXX credit bureaus
Product: Debt collection

I have settled with cendence as agreed by XXXX  parties. 
I have paid off XXXX XXXX XXXX as agreed by XXXX  parties. 
I have paid XXXX loan as agreed by XXXX  parties. 
I have paid XXXX XXXX in full as agreed. You are reporting these account on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing regarding my credit report, which contains inaccurate and incomplete information that requires your attention. The reason for my dispute is that your agency has not provided sufficient information to verify the debt in question. XXXX and XXXX, another credit bureaus, have already removed these late payments from this account from their records due to an unidentified error. I am perplexed as to how you have verified this account while the other bureaus have updated them and the bank also approved of updating the status of the account to closed never late after I talked to them on the phone. Therefore, I request that you correct this account from my credit file as it is inaccurate, erroneous, incomplete, or unverifiable. 

XXXXXXXX XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was called by a collector but they refused to give me an address or the representative 's last name. They threatened to prosecute me for fraudulent activity and had information from a loan with " XXXX XXXX XXXX ''. The payment was over double what I had borrowed. They also said someone was coming to my house to deliver a " package '' after calling my employer and daughter for my address. I was intimidated and knew I did owe money so I released my personal checking information and authorized an immediate {$500.00} withdrawal and {$380.00} installments biweekly for XXXX more installments. They refused to send me anything in writing and said I would have the transaction ID. I only have a toll free number and was informed the company was located in California. Do I stop payment on the next installments? I am very uncomfortable and fear this is a fraudulent company. Nothing about the lending institution or collector is on my credit report.
Product: Money transfer, virtual currency, or money service

Message : I, along with others ( check their comment sections ) continue to have problems with them allowing to withdraw money. They quickly withdraw from my bank, but it has been 3+ months in trying to get them to allow me to withdraw any money. There is always something else I need to do or they just don't respond. I want law enforcement to look into their website and business because I believe they are involved in mega fraud. I don't know where else to go for help.

This is my latest response from them : eToro Customer Service XXXX XXXX ( 11 hours ago XXXX XX/XX/2021 to me Hi there XXXX, Thank you for your email. 
We have well-received copies of your Utah driver licence. Nevertheless, we also require a clear picture of yourself in order to fully verify your account. 
If you wish to close your account, you can follow the self-service account closure link at the bottom of your Account Settings : https : //www.etoro.com/settings/account Note that before the account can be closed, all open positions must be closed and any remaining funds withdrawn. 
Upon closure, your email address will be automatically removed from our mailing lists. 

Also note that once the account is closed, it can not be reopened. If you wish to trade with us again in the future, you are more than welcome to open a new account with a new username and email address. If you wish to use the same phone number. Please contact us after opening the new account and we will be happy to verify the phone number manually. 
Should you require further assistance or information, please reply to this message or chat live with us during our business hours. 

Best Regards, XXXX XXXX. 
eToro Customer Service My reply Cut the garbage. My photo is on my drivers license and there is nowhere in your system to post a picture. Just return my money by allowing me to withdraw. And your error message always refers me to customer service which is non existent!! There is no phone number to resolve issues and seldom do I get a response from email within several days.You have no customer assistance. I have never been so disturbed by a website as I have with this one. 
Copy of this email is sent to CFPB for financial fraud.
Product: Credit reporting or other personal consumer reports

I previously submitted a dispute regarding inaccuracies on my credit report, and I have yet to receive proper validation or correction of the disputed accounts. Under the Fair Credit Reporting Act ( FCRA ), Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), I request that you verify these accounts with documented proof or remove them immediately. 
Reporting unverified information violates federal law, and failure to provide substantiating evidence within the required timeframe is unacceptable. Please investigate and correct the following accounts on my credit report : XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$18.00}
Product: Credit reporting or other personal consumer reports

I sent a letter last XX/XX/XXXX to removethe items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than XXXX business days. Ive already included this in my previous complaint & I am including it again. 
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 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 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 reporting or other personal consumer reports

Transunion is reporting incorrect information on my consumer report. Under federal law the reporting agencies are required to report accurate information. My name is XXXX XXXX XXXX there should be no other names or variations of my name listed are this is considered identity theft. My address is po box XXXX XXXX XXXX XXXX  XXXX there should be no other address listed and if there are it is incorrect and causing me to be denied credit because of this incorrect information. Delete every phone number listed it is not mine and you do not have permission to report it. The employer listed as XXXX is incorrect and needs to be delete immediately. 

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 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.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies 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 the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Payday loan, title loan, personal loan, or advance loan

Was advertised that it would be {$7.00} to open a Sezzle Spend Anywhere account. Meaning for {$7.00} a month, I could use Sezzle anywhere XXXX XXXX is accepted. I tried using it for an online merchant that accepts XXXX XXXX, and Sezzle declined it 2X. I asked customer support why this happened, and they did not give me an answer at all. 
It turns out, I was actually charged {$7.00} for the service, so an extra XXXX cents that was not advertised. Not only can you not Spend Anywhere, but they also falsely advertise that is was a {$7.00} subscription.
Product: Student loan

The account reporting on my credit score is closed and it is " fraudulent '' and should not be reporting on my credit score. I want this account " DELETED '' from my credit score ASAP or me and my attorney will be taking legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

on several occasions I have submitted request for this company to remove the inaccurate information from my credit profile and my request have been ignored. they are reporting XXXX Reported on XX/XX/2009 {$140.00} Item Results Result : Verified As Accurate And Updated - It looks like this item is actually correct and that it's going to stay on your credit report, but info has been updated to reflect recent activity. 
Dispute Reasons Accuracy : This account is too old to be on my credit report. 
The creditor agreed to delete this account.
Product: Credit card

Had cash back bonus available & over 3 months ago I called to have it applied to balance. Now the status of the card has changed and because they never did it 3 month ago now they wo n't. The card was Capital One and I just wanted my bonus to be used towards paying my debt and they did n't do their job then or now.Why is that ok that they do n't have to uphold their end of the contract but I do!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX OH XXXX, XXXX XXXX XXXX, has violated my rights : 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 a account without my written instruction
Product: Credit card or prepaid card

I was late on a payment because of the pandemic.. they lowered my credit availability by half .. Then they proceed to want the full amount ... Which was not much but its the struggle to keep a decent credit score..Nothing but problems with this card since i got approved..
Product: Checking or savings account

I opened a checking account with Citi Bank on XX/XX/2018, with a promotional offer of a {$400.00} bonus if I maintained a balance of {$15000.00} for 60 days. The terms stated that the bonus would post at most 90 days after the expiration of the 60 days from the date of deposit. I had contacted Citi several times over the course of the 150 days to make sure my account was eligible and the terms had been met satisfactorily. 

The bonus is similar to the one currently offered here - https : //banking.citi.comXXXX XXXXXXXX & XXXX Most recently, I was told that the bonus post on XX/XX/18. On XX/XX/18, I had contacted Citi to see why my bonus didn't post, and was not given any clear answer, other than that it needs to be investigated. I have had several Citi investigations never be resolved, so I'm submitting this complaint to try to get a resolution at a level higher than entry level Customer Service.
Product: Debt collection

On XXXX CREDIT MANAGEMENT LP sent me an email stating that I owed them XXXX $ from a old cable bill. I responded to the email with an email the same day stating that the account was not mine. I never heard anything else from them. I got a notification months later stating I had a new collection on my credit report. CREDIT MANAGEMENT LP did not send me anything through the mail. So I had no due process. The account is not mine. Furthermore CREDIT MANAGEMENT LP does not have my written consent to even have my personal information. CREDIT MANAGEMENT LP has stolen my identity and is possibly planning on selling my information to someone else, a violation of my rights. I did not consent. CREDIT MANAGEMENT LP has caused my score to unjustly drop and for me to be denied on several transactions due to the derogatory remark on my credit report.
Product: Credit card or prepaid card

I have a Wal-Mart credit account with Synchrony Bank. I went on an unpaid medical leave from work in XXXX, 2017, and lost my job in XXXX. I have filed an XXXX claim that is currently in appeal, and I have no income. I 've been making small payments here and there when I can, but with no income, that 's not very frequently. I 've answered their calls and explained my circumstances several times. They 've gone back over old account notes and confirmed my information and situation numerous times. Recently the calls have become harassing and accusatory. They ask why I do n't have a new job, when do I think I might be able to become a productive member of the workforce again, do I have friends or family I can hit up to pay my bills, etc. I 've made it clear that I will resume normal payments as soon as I can, and if they look back over my account they can see I never missed payments while I was employed. They have threatened to send the account to collectors hoping to scare some money out of me. I explain that I understand it 's their job to try to get me to pay, but I ca n't pay with no money and I understand if they have to send the account to collectors. For about a week now, I 've been getting calls from them every few hours every day.