23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Complaint : Pacific Union Financial reported a late payment for XX/XX/XXXX Timeline : -XX/XX/XXXX XXXX XXXX XXXX called to inform me that I was late on my mortgage. At the time I communicated that my loan was with Pacific Union Financial. XXXX XXXX explained that Pacific Union Financial sold my account. I then called Pacific Union Financial to validate and confirm the accuracy of what XXXX XXXX was reporting. Pacific Union Financial confirmed that the mortgage was transferred XX/XX/XXXX -XX/XX/XXXX Pacific Union Financial failed to notify me that the mortgage was sold to XXXX XXXX. 
-XX/XX/XXXX payment was never retrieved from my account by Pacific Union Financial -Pacific Union Financial reported the account late in XX/XX/XXXX. 
-XX/XX/XXXX correspondence was sent by Pacific Union Financial informing of the transfer AFTER the phone call was placed by self. 
-XX/XX/XXXXa welcome package was sent by XXXX XXXX after my request -XXXX XXXX  " XX/XX/XXXX payment '' was finally retrieved after I was able to acquire account information. 
-XX/XX/XXXX I ran my credit report and noticed the derogatory report and sent a complaint to Pacific Union Financial . 
-XX/XX/XXXX Pacific Union Financial replied stating that they would not remove the late XX/XX/XXXXpayment form my credit. 
-XX/XX/XXXX complaint is being filed with CFPB.
Product: Checking or savings account

i placed a complain about fraud on CFPB Complain ID XXXX. Because my US BANK account checking account was victim of fraud leaving my account in ceros. 

After i placed my complain on CFPB, US BANK contacted me twice by phone asking me for aditional information. I received a letter response date on XXXX XXXX, XXXX. But Basically is the same information i already received by mail from the US BANK after i placed my compleins for fraud i made them personally at the brunch of XXXX XXXX, CA The statements reflects on XX/XX/XXXX I had in my account {$16000.00} dollars On XX/XX/XXXX i made a deposit personally at the bank for {$230.00} dolars. 
I had in my accunt XXXX dollar in total On XX/XX/XXXX when i came to the branch I tryed to withdraw some cash, the cashier told me my account was cancelled there was no money, An assistant manager at the bank help me and gave me in that moment the statements, i realized was 50 ( ACH ) electronic transfers made from my account all By XXXX XXXX, until left my account in XXXX. This transaccion began on XX/XX/XXXX until XX/XX/XXXX. 
I counted 50 transaccions. 

So far, US BANK had autorized 25 of my claims gave me {$8400.00} in 4 checks. 
In this new letter response date on XXXX, XX/XX/XXXX they autorize pay me 7 more of the 50 claims, did not say for how much will be this payment. but STILL IS A remain left about more or less {$5000.00} dollars They said i only had 60 days to report the fraud, How i could noticed i was stolen, since the banks merge i did not received my stantements anylonger but I do rceived the new US BANK debit card, They said if i did not received anylonger statements was because my account had no customer - iniciated activity,. How it that? And all the electronics transfers made from my account. 

I had my account on XX/XX/XXXX had more than XXXX XXXX XXXX, during this time never had any kind of problems, during this time the statements arrive on time to my adress, eventhough i used m account bassically as saving account, a few transaccions. To keep my saving safe in good hands in a intitution. 

I am not willing to loose my money, I hope with justice do the right. 
Because i was a victim, i trust in the bank .In addition to loosing my money they charged me for overdraft my account. 

Iam only asking you to give me back all my money, this process had taken too much time. is exhausting, please help me and resolve for complete this situation. 

Sincerely
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, after making my monthly PENNYMAC mortgage payment ( VA XXXX XXXX for XXXX, I requested a temporary payment deferment ( forbearance ) due to a COVID 19 hardship. The balance on my account in XXXX after the payment was {$130000.00}. While in forbearance the account balance reported to all 3 credit reporting agencies has increased monthly with being reported XXXX XX/XX/2020 with a balance of XXXX which does not accurately reflect what my monthly statements show and is incorrect. My mortgage account is also being reported to all 3 credit reporting agencies as in forbearance and the monthly payment status is not being reported as current but as no data available. My mortgage was current when I requested the deferment and per the CARES act for a federally backed mortgage should not be negatively affecting my credit and it is. As the balance increases, the acct forbearance statement PENNYMAC is making on the reports and no data for the monthly payments how would this not negatively affect my credit. 

On XXXX XX/XX/2020, I called and reported that I was no longer being affected by a COVID 19 hardship and wanted to get my payments back on track but could not repay all at one time. The lady said that I could do a loan modification and the payments would be added to the end of my loan. I made a normal payment for XX/XX/2020 ( the XXXX I had previously paid ) however I recently found out that the loan modification 3 month trial will not begin until XX/XX/2020 and that any payments I make between now and then will be held in a " holding account '' until the 3 month trial modification begins. 

I am not sure why I need a trial loan modification when I am no longer under a hardship due to COVID XXXX and can they legally hold a lump sum of money in some separate place not going toward my loan? If I have made the request to resume my payments why should they not be going toward my loan and the balance, yet they continue increasing my balance and reporting an increase to the credit reporting agencies that in not consistent with my monthly statements ( they report more than my statements say I owe ) and then hold my money in some secret account and say I can't begin a 3 month trial modification until XX/XX/2020 when I requested to get back on track on XXXX XX/XX/2020, making a payment on XXXX XX/XX/2020 that is not even going toward my account. 

If the CARES act states that they can not negatively affect my credit they very much are negatively affecting my credit and holding my money.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX Balance Owed : {$8000.00} - This kind of account is in fact posted as a charged off account. The balance is in fact incorrect, make sure you reverse it to XXXX or erase the item totally. Make sure you also render documentation to be sure of all the charges and credits to this alleged account is mine. If you can't give these details and proof on this per my civil rights petition, you need to instantly delete this wrong account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE, AND ACCOUNTS THAT DONT THAT BELONG TO ME. A LETTER OF EXPLANATION IS ENCLOSED
Product: Debt collection

XXXX XXXX has a collection on my account that I don't owe for the amount of XXXX. The salesperson committed fraud to get me signed up for an alarm system. I did not own the house and the owner of the property did not give me permission to put an alarm system in the house. The salesperson ran the owner name and my name and got me approved for a system. The salesperson would not give up and if you notice XXXX XXXX name is on the paper and he didnt give permission or signed any forms for the alarm system and it on that person credit as well. My credit was good enough and it was not my property to decide if an alarm can be placed so I don't owe the XXXX. Shady salesman.
Product: Credit reporting or other personal consumer reports

The following accounts are being reported XXXX my credit file contain multiple inaccuracies which the credit bureaus are allowing and not removing. The accounts are as follows : XXXXXXXX XXXX  - ( XXXX ) accounts listed have inaccurate payment history reporting and balance XXXX. XXXX XXXX XXXX - inaccurate account balance and payment history XXXX. XXXX - balance inaccurate XXXX. XXXX XXXX- ( Acct # XXXX ) closed XXXXcharge-off account reporting payment history
Product: Credit reporting

I requested a copy in writing from Annual Free Credit Report of my credit report ; I received a notice from XXXX and Experian stating they had sent it to me ; I did not receive a report from XXXX or Experian ; ( Note : I did receive my free copy from XXXX )
Product: Debt collection

I have received multiple before XXXX from Radius Global Solutions.. Just Two examples are on XX/XX/22 at XXXX XXXX  and on XX/XX/22 at XXXX XXXX. There have been at least XXXX  dozen calls made to me prior to XXXX XXXX. Though I have a phone number with a XXXX  area code, I have lived in XXXX  for over Three years. The calls are always from an autodialer with nobody on the other end of the line. The One time I spoke with a representative, she hung up on me when I mentioned she was calling me prior to XXXX XXXX. Yet, the calls continue.
Product: Debt collection

I have sent multiple disputes to this collection agency. This is a fraud case. I sent over a request for information as i have never had a credit one card. They sent me a statement for someone with my name in INDIANA. I live in Texas. I tried to explain to them this is fraudulent and asked if they can send over information such a dob or social so i can tell if this is a case of identity theft or if this is someone with the same name? Its on my credit report but not mine so they must have my social. They keep replying with the same credit one statement and not even looking at my dispute. This needs to be removed from my report and labeled as fraud. HELP! They also never sent me anything saying that this debt was purchased and i could dispute it or i would have done so to avoid it ever going to my report. This also could have already been reported to identitytheft.gov but they didnt notify me. I am pretty sure this violated FDCPA as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that Credit Bureaus are reporting the wrong address information on my credit report.Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Delete these incorrect addresses right away pursuant to FCRA Section 605B ( a ). 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Money transfer, virtual currency, or money service

On Tuesday XX/XX/XXXX through a XXXX ad I bought tickets to a XXXX XXXX concert. After speaking to XXXX on the phone he told me to send him the {$300.00} using XXXX. 

I have never used XXXX before but figured since it was through my park PNC I would have protection from a scam. 

I was wrong I wired the money to XXXX XXXX XXXX He accepted my money and my tickets never showed up. 

My number was blocked from calling his and the ad was still on XXXX. My stepmom even contacted him and he did the same speech to her. She three-way me in the call and I asked for my money pack and he hung up and blocked us both. 

I immediately called PNC to stop the transaction but XXXX had already accepted and the transaction was pending. 

I was told to wait until the money posted to file a claim. Tuesday evening I called my police office and filed an incident report. 

I called PNC on Wednesday the XX/XX/XXXX and was told there is nothing they can do since I authorized the transaction. There is no scam protection. And even though I called the day it happened they could not put a hold on the money even going out of my account
Product: Debt collection

In XX/XX/2022 I was give a 30 day notice to evacuate the premises by XX/XX/2022. If I didnt vacate the premises I would be evicted. I signed my new lease in a new city on XX/XX/2022 and all my possessions were out on XXXX XXXX. The key was returned on XX/XX/2022. They attempted to get money from me via email then I had to give them the full run down about the 30 day notice and provided pictures of the apartment. After providing the information the assistant manager responded thank you for the information and never received an email after that.
Product: Money transfer, virtual currency, or money service

I conducted XXXX separate transactions with the same seller through my account. In each instance, the seller provided a single tracking number indicating delivery to an incorrect shipping address in XXXX, New York, despite me providing the correct address on the transactions detail page for XXXX XXXX, New York. PayPal denied all XXXX cases solely on the basis that a tracking number was provided by the seller. There was no thorough investigation conducted by PayPal, as evidenced by their failure to recognize that the package was not delivered to the specified address on the transactions detail page. 

The case IDs associated with these transactions are XXXX XXXX XXXX, XXXX, and XXXX XXXX Upon denial, I escalated the matter to the XXXX XXXX XXXX XXXX XXXX  ) for further review. On XX/XX/XXXX, I was contacted by PayPal 's executive team, who explained their decision to deny my cases. They justified the denial by stating that although the seller did not ship the package to the correct address, it was delivered to XXXX of the addresses listed on my PayPal account, which they deemed sufficient. 

This rationale contradicts PayPal 's own terms and conditions, which specify that sellers must ship items to the address provided in the transaction details for seller protection eligibility. Additionally, PayPal requires proof of delivery to match the recipient 's address details, including at least city/state or zip/postal code. The tracking number provided by the seller does not align with these requirements, as it confirms delivery to an incorrect location in XXXX, XXXX XXXX ( zip codes XXXX or XXXX ), rather than the correct address of XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. 

Despite these discrepancies, PayPal issued a warning implying potential limitations on my account due to my ongoing dispute with the seller. I find this treatment unjust, as I am unfairly held responsible for the seller 's failure to deliver to the correct address. Rather than assisting in resolving the issue, PayPal has suggested that I absorb the loss. 

I want PayPal to understand that I will persist in seeking a fair resolution to this matter. Should this not be achieved through PayPal 's processes, my final recourse will be to initiate a chargeback with my bank on the grounds of non-receipt of the parcel. According to PayPal 's own terms and conditions, the shipment should have been directed to the address specified in the transaction details, and the failure to do so entitles me to buyer protection.
Product: Debt collection

Medical balance with XXXX XXXX XXXX in the amount of {$1700.00} was transfered to Harris & Harris , Ltd . Upon a call from the company, I informed them that a payment would be made toward the debt. I paid {$1200.00} of the balance with my Healthcare Flexible spending account and requested for them to send me a receipt of this payment so that I can submit it to the Flexible Spending Administrator, because this is required process for the plan. If a receipt of payment is not made, the Flexible Spending Adminstraitor could block the account and require that I pay that money back due to lack of verification. I was initially informed that the receipt letter would be sent. However I never received it. Harris & Harris continued to call me and each time I requested the receipt. The final communication from them was that they would not provide a receipt until the full balance was paid. The issue is that for Flexibile Spending accounts, you have to submit your receipts by XX/XX/XXXX for the previous plan year, so all my receipts for XX/XX/2017 needed to be submitted by XX/XX/XXXX. By not providing this receipt, Harris & Harris , Ltd has jeopordized compliance of my Flexible Spending agreement and I may be forced to pay the {$1200.00} out of pocket and loose the tax benefit of having a Flexible Spending account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 Dollar amount {$6700.00} Ive disputed this with XXXX XXXX by certified mail notarized letter no response also letters was forwarded to all 3 credit bureaus XXXX, XXXX XXXX TransUnion
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

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

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Product: Vehicle loan or lease

I was unaware of this debt until it appeared on my credit report. I didn't have the opportunity to assess or dispute this debt. 

I am to be notified by certified mail or mail with a tracking number advising me of the debt prior to the debt being placed on my credit report. It is my right to be in the position to dispute the debt prior to this debt being placed on my credit report.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : FRAUDULENT ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  FRAUDULENT ACCOUNTS : XXXX XXXX Opened XXXX. XXXX, XXXX {$12000.00} XXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX {$5500.00} XXXX XXXX XXXX. Opened XXXX. XXXX, XXXX {$2900.00} XXXX. Opened XX/XX/XXXX. {$2400.00} XXXX XXXX XXXX. OPENED XXXX XXXX, XXXX {$640.00} XXXX OPENED XXXX XXXX, XXXX {$1000.00} XXXX XXXX XXXX. OPENED Sep. XXXX, XXXX {$1000.00} XXXX XXXX XXXX. OPENED XXXX XXXX, XXXX {$2800.00} XXXXXXXX XXXX. OPENED. XXXX XXXX, XXXX. {$2900.00} XXXX XXXX XXXX XXXX OPENED XXXX. XXXX, XXXX {$390.00} XXXX XXXX XXXX. OPENED XXXX. XXXX, XXXX {$1400.00} XXXX. XXXX XXXX. XXXX, XXXX {$13000.00} XXXX XXXX XXXX. OPENED. XXXX XXXX, XXXX {$1900.00} XXXXXXXX XXXX OPENED XXXX. XXXX, XXXX {$2300.00} These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the ACCOUNTS/ADDRESSES in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud.