23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

At the end of XX/XX/XXXX, XXXX XXXX transferred my mortgage to Bayview as my new mortgage servicer. On XX/XX/XXXX I received a Transfer of Service Notice from Bayview. 

I missed the XX/XX/XXXX mortgage payment and made a payment arrangement with XXXX to pay {$2400.00} per month from XX/XX/XXXX through XX/XX/XXXX. Please see attached XX/XX/XXXX letter from XXXX. It is my understanding that the payment arrangement that I made with XXXX would follow over to Bayview. I sent a copy of this letter to Bayview on XX/XX/XXXX. 

I have been paying a month behind because I only get paid once monthly at my job. By the month of XXXX I should be able to start paying within the month. For instance on XX/XX/XXXX I paid for the month of XXXX in the amount of {$2500.00}. I get paid next on XX/XX/XXXX and will pay the amount of {$2500.00}, which should be my last payment of {$2400.00}. I have notified Bayview of this.

Every statement I have received from Bayview has a different amount. I have called Bayview several times trying to straighten out my loan. Every person at Bayview that I spoke to has told me a different amount that we owe and a different story. Yesterday I received a notice on my house door to call Bayview.

I spoke to Bayview today and the woman I spoke to said that the payment arrangement was broken. I was never told that. Where is all the extra money I have been paying going to?
Product: Debt collection

Received a collection letter from EOS CCA, that started in about XXXX at which time I called and they stated whom the dept was owed. I called XXXX and was told that not only could they not find such a debt but the account number given does not match any records they have. I also called XXXX and XXXX XXXX XXXX my actual provider ) and the same response was given, they can not find any debt owed nor any account number that matches. I was also told by XXXX and XXXX that they did not even provide services in the area in which I live and still don't. I called back to the collection agency and was told they would check and get back to me. Within a month I was getting the same bill. I have both called and sent letters XXXX XX/XX/XXXX and XX/XX/XXXX ) trying to get this resolved, and everything I found out in my own investigation. I will hear nothing for a while then the letters start again. It is getting tiresome and I would consider this harassment. Not only are the letters and calls annoying and harassing but they have put this debt on my credit report! I do not know how to get through to them that this has never been my dept. I have repeatedly asked for proof that this is my dept and have never seen anything nor have I been given the number of someone I could verify this dept with.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : 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: Debt collection

This XXXX XXXX ( Debt Collector ) keeps calling all times during the day and calls late at nighttime too ( After XXXX XXXX ). In the year this company has called over XXXX times, even when I have told them not call anymore.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handing of disputes, particularly in the light of the recent CFPB lawsuit highlighing significant issues with the platform. Despite using Zelle numerous time s and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transaction was unfeasible. The UFPB 's finding indicate that Zelle has not only neglected to protect consumers but also allow repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Debt collection

I had an account with XXXX, which went overdue and they sent the debt out to a collection agency. This agency, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, WA XXXX contacted me on XX/XX/XXXX. I paid them the amount of XXXX via single-entry ACH debit on that same date, XX/XX/XXXX. I received and still have the receipt for this payment. Since that time, 5 years ago, several other agencies have sent letters and contacted me in an attempt to collect this same debt from XXXX. When told I had already paid, and upon seeing proof, they would suggest I call XXXX and stated XXXX needed to take it off their records so the debt would not continue to be reported and sold to other collection agencies. I have repeatedly contacted XXXX to no avail. I just received a notice from XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX, which stated the debt was so old I could not be sued for it nor could it be reported to any credit agency, but they offered 2 options to resolve the amount of the debt ( which had been paid in XXXX ). I am beyond frustrated and confused how this single debt from XXXX could last this many years, being sent to different collection agencies, especially considering it has been paid. I would like this matter resolved immediately.
Product: Credit reporting or other personal consumer reports

Hello on XX/XX/year> I submitted a request to equifax to provide information about some late payments that were listed on my accounts til this day they have yet to respond to my request to fix this. They have not even processed my dispute and currently is ignoring me.
Product: Credit reporting or other personal consumer reports

I just looked on my credit reports and saw that I have been the victim of identity theft. I have report it to all XXXX bureaus and no action has been taken to remove the fraudulent info.
Product: Checking or savings account

My bank closed my account, they will not give me a reason why, I had direct deposited from the VA for my XXXX payments.I am XXXX XXXX XXXX and disabled.I opened a new account and provided the VA AND SOCIAL SECURITY with my new account number and the routing number. My VA XXXX be moving check was sent to my old bank Chase Bank. The accepted the VA direct deposited and will not let me remove my funds. The told me that I have XXXX card disputes for XXXX dollars the total direct deposit was {$3500.00}. I talked to their claims and told them I offered to close the claims and leave that money in my account.The told last Saturday to come to the bank this morning and get my money. When I got there a spent more than 3 hours they would not give me my money, I explained to them I am supporting XXXX family members and I can not feed them XXXX infants XXXX children XXXX adults. I can not make my house payment, utilities payment motorcycle payment, I don't know what to do they just keep lieying to me, please help me
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, and XXXX continue to report inaccurate information on the account listed below. 

XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code Notes prev | next ( 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: Credit reporting or other personal consumer reports

Data breach happened, per 15 USC 1681c2 please block and delete this item within 4 business days. Please delete the following 
Accounts :
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

All XXXX Bureaus are not reporting the same information and thats a violation of the fcra the last date active is inaccurate the account is reporting open across all XXXX bureaus but they have it listed as a charge off and thats a violation XXXX is reporting paid as agreed but reporting the account as charged off as well
Product: Credit reporting, credit repair services, or other personal consumer reports

AppFolio Tenant Screening has limited my abilities to reside in a desired neighborhood due to incorrect information and a much lower credit score provided to a potential landlord from my recent rental application. 

AppFolio Tenant Screening Report involving my rental application included the following : -incorrect account balances for XXXX XXXX and XXXX XXXX accounts -inaccurate lower credit score based on false contributing factors XXXX through XXXX ; my student loan account balances should be XXXX due to my Income Based Repayment ( IDR ) Plan ; My current balances with XXXX XXXX and XXXX XXXX are XXXX ; The date that I opened my oldest account is not recent as it was XX/XX/2002. My installment loans include student and personal loans, of which all current balances should be XXXX. 
-my date of birth is negatively flagged because XXXX is listed only as my year of birth
Product: Credit reporting or other personal consumer reports

Experian old Child support account. 
I ask for a paid off accounts to be closed.
Product: Debt collection

Any and all student loans have been  discharged as a result of the   XXXX   XXXX   XXXX   XXXX    TPD program.  Alltran is trying to collect on loans that have been previously discharged. They continue to report inaccurate info to credit reporting agencies. They also will not take into account the letters from   XXXX   XXXX   XXXX   that clearly shows the discharge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I have been disputing a dismissed bankruptcy that's on my credit reports since XX/XX/2020. I have disputed a 2nd time as well with all three bureaus on XX/XX/2020. I still have not received a response from them! This is unacceptable! XXXX, TransUnion and XXXX need to respond to my disputes as well as needing to have these items removed from my report as this is inaccurate information.
Product: Credit reporting or other personal consumer reports

XX/XX/year> {$87.00} reported late, i requested proof of receipt that i received bill within the 21 days bill was due.
Product: Mortgage

In XXXX of XXXX I received my annual Tax and Interest statement from my mortgage company Mr Cooper XXXX XXXX XXXX XXXX. XXXX TX. XXXX Loan # XXXX I made every payment the entire year more than {$9000.00} dollars refund of over payment of interest was {$0.00} so I asked where did all the payments go. Till this day even after I spoke to them they have not given me and answer. Mr Cooper Mortgage Company said they would resolve this by XX/XX/XXXX, this has not happen. This is my second attempt in filing an complaint with this office and have not gotten an response ether. 
Are there any consequences when mortgage company break the law?
Product: Money transfer, virtual currency, or money service

To Whom It May Concern : At XXXX XXXX on Friday XX/XX/XXXX, I received a notification from PayPal that autopay was used on my account in the amount of {$100.00} from XXXX XXXX XXXX XXXX XXXX. I immediately reported the transaction as unauthorized and fraudulent. I purchased from the vendor in the past, but only on a limited and individual basis without ever authorizing autopay or automatic orders. This is confirmed after reviewing previous orders and transaction history ( prior purchase in XXXX was for XXXX ). I didnt even have an account that could be accessed within the vendors store front until the notification. After looking at online history at the site, I have no receipts or transactions in which autopay or subscription was used or authorized. Further, the vendor sent an email to my account at XXXXXXXX XXXX falsely stating that I forgot something at checkout. This is false because I had no account, nothing has been purchased for over a year, no subscriptions or autopay were authorized, and nothing was in checkout on the site. The fact is that the vendor enabled autopay on an unauthorized transaction based on purchase history without my consent. Research shows there is a strong trend of increasing fraudulent transactions made by this vendor against consumers who have merely purchased from them before, evidenced by the XXXX, a reputable institution : XXXX  : XXXX XXXX. A stop payment and fraud escalation has been requested with my bank and PayPal. XXXX has been notified of a rejected shipment. The case has been reported to XXXX XXXX ( report XXXX ), and the Offices of the State Attorneys General of CA and VA. 
PayPal has immediately closed the claim and refused action without any acknowledgment of the facts. The seemingly automated and algorithmic response from PayPal comes as a complete and very disappointing surprise after having been a loyal paying customer for nearly 25 years.The reply from PayPal below also appears to be part of the problem in which vendors are now aware that they can fraudulently enable autopay on previous consumers without their authorization, any ramifications, or proper fraud protection. Additionally, I am contacting my Congressmans office to inform him of the increasing need to hold PayPal and its executive management accountable for fraud prevention and consumer security when their lacking care, concern and controls to protect customers are are at the heart of the matter. Thank you for your excellent support, as always. Your time is very much appreciated. Sincerely, XXXX
Product: Mortgage

I submitted a request for a modification because my mortgage has a balloon payment that is coming due. I do not want to lose my home. I want to modify the mortgage and receive an affordable monthly payment. Select Portfolio is giving me a difficult time with fixing my monthly payment. They are unwilling to help me. Please help. Thank you..
Product: Money transfer, virtual currency, or money service

I have been scammed by this girl named XXXX XXXX i ask for investment i was told if I gave XXXX dollars I would get $ XXXX back but it didnt happen. I have been waiting for days even though I was told that the money would come back in 20- 30minutes which was obviously a lie. They also told me that I have to pay for state fee which XXXX dollars, that inwhich I also paid for.
Product: Mortgage

In XXXX my husband and I fell behind on our mortgage due to his being laid off of work and subsequently filed Chapter XXXX bankruptcy protection. Our mortgage at the time was being serviced by Ocwen. We filed chapter XXXX on XXXX XXXX, XXXX and began paying as scheduled by the Chapter XXXX trustee with the understanding that all missed payments were part of the chapter XXXX plan. We continued to pay our mortgage to Ocwen on time each month and at some point our mortgage was sold by Ocwen to XXXX. Now that we are discharged from Chapter XXXX, XXXX is claiming that we are behind dating back to XXXX XXXX when our loan was owned by Ocwen. After contacting Ocwen, they gave me a copy of our payment history and it appears that they were not applying our monthly payments properly, instead of our post-petition Chapter XXXX agreement, they were applying each month to cover past due amounts that were being paid through the Chapter XXXX trustee. I would like Ocwen to fix the accounting errors on my account and work with XXXX to also correct this error. XXXX is reporting us as late every month since were were discharged due to the " missing '' payments that Ocwen misappropriated.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX. XXXX, XXXX, XXXX XXXX add a hard inquiries on my credit reports per XXXX, XXXX  and XXXX. 
On XXXX XXXX, XXXX, CREDIT PLUS add a hard inquiries on my credit reports per XXXX XXXX and XXXX. 
On XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX  add a hard inquiries on my credit reports per XXXX  and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

All inaccurate Information should have been removed from credit report by XXXX XXXX XXXX 
According to law disputed information related to identity theft must be removed from credit reports within certain time period not to exceed 4 business days. 
Identity theft report, copy of id, copy of social security card, FTC ID Theft Report, Dispute letter, copy of Police Report all mailed by certified mail on XX/XX/XXXX. Time required to be removed from report has already exceeded. 
All above listed enclosures already submitted has been re-sent by Us certified mail and also Uploaded into dispute portal on XXXX Website as of XX/XX/XXXX. Bureau Must Remove listed accounts related to ID Theft immediately.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete these fraudulent accounts ASAP.
Product: Mortgage

I am currently trying to refinance under the XXXX program. You need to be current on all mortgages in the last 12 months in order to qualify, which I am. Ditech Mortgage has incorrectly reported to the credit agencies that I am at least 90 days past due on my mortgage which is absolutely not accurate, even according to their own records which they have sent to me. I have been following up with them for well over a month to get them to correct this and notify the creditors that the report was an error and we have paid as agreed, but today XXXX/XXXX/2016 they have still not corrected the situation and this is adversely affecting my credit score and my ability to refinance. I have called several times and emailed and this remains an issue. I 'm asking for help to get this rectified quickly so it stops impeding what I need to do as they do n't seem to care or have a sense of urgency in correcting it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've issued a dispute to all 3 major credit bureaus advising that XXXX XXXX account XXXX is missing payment history information and the amount is incorrect. XXXX, XXXX, and Trans Union still have not removed this account from my credit report within 30 days and continue to be in violation by reporting inaccurate and incomplete accounts.
Product: Credit card

I bought a voucher on XXXX for a service, which I will attach here. It clearly states on the voucher that refunds can be provided. When I went online to make an appointment for the service I bought on XXXX, I realized that the service offered was not what was stated on XXXX, and the provider misrepresented themselves. 

I contacted groupon.com for a refund, which they only offered me credits for their site to puchase something else, which I dont want to buy anything else. I should get a refund. 

I tried to dispute this with my bank. I provided evidence that service I bought was NOT as described online. Synchrony bank denied my dispute in favor of groupon. Synchrony stated I " entered an agreement with the merchant for the charge in question, and they set policies regarding cancellations, refunds and to deal with merchant directly. 

I have contacted merchant directly and they will not refund my money. I also did NOT receive the services I paid for. I can not use the service, because it was a lie that I bought... 

Also, groupon.com sent Synchrony Bank statements that differ from the policies that they have posted online to their website. These policies that are on their website, which state that refunds are indeed available, I sent to Synchrony bank, and was totally ignored. I have seen on XXXX website many people having issues with sites like groupon, and their card issuer will give refunds. Synchrony Bank will not help me in any way with this and will always side with merchants no matter what situation ... that is what this looks like.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 instructions
Product: Debt collection

I received a notice from a debt collector on behalf of XXXX XXXX, XXXX , XXXX XXXX XXXX, XXXX. for {$300.00}, which includes a principal of {$230.00} + Attorney 's Fees : {$77.00}. The attorney 's fees are being incurred at the expense of the agency seeking further payment and XXXX XXXX XXXX will not be paying these fees outside of what my insurance allowed. I, XXXX XXXX XXXX do not deny or confirm that this debt is a valid debt. I have no knowledge of how this matter was coded or billed. However, I do acknowledge being seen at XXXX XXXX, XXXX, and XXXX  by a physician that constantly mispronounced my name as " XXXX XXXX '' instead of XXXX ( " XXXX '' ). I further acknowledge this bill being paid by my private insurance and in consideration that my quota ( deductible ) has been met, I will not pay or advise further payment from any other source, including but not limited to Worker 's Compensation benefits managed by XXXX XXXX XXXX, wages, retirement benefits, housing, etc.