23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been having problems with keeping up with my mortgage payments. 

Roundpoint Mortgage Servicing, XXXX XXXX XXXX, XXXX, NC XXXX is the servicing agent for XXXX XXXX XXXX XXXX, the holder of my mortgage. 

In XX/XX/XXXX, I put the mortgaged property on the market. I did find a buyer quickly, with a closing date in XXXX. I had divided the property to make it more attractive to a buyer who did not want to be a landlord. I was not able to keep up with the payments at this time, so I contacted Roundpoint and let them know that the closing was in XX/XX/XXXX, and they would be paid off at that time. Their customer service people indicated to me that was acceptable, and ceased calling me about being behind in the payments. They gave no indication that there would be any derogatory information reported to the credit bureaus. Roundpoint did file derogatory information during XX/XX/XXXX. 

The closing on the property created another problem. XXXX XXXX made an error on the closing statement, and left me with a {$2700.00} balance to be paid on the mortgage. Roundpoint did commence billing the balance in XX/XX/XXXX, even though I had paid off about {$130000.00} of the {$130000.00} balance. They insisted that the payments start then, and would be at the same amount as before. No adjustment would be made. 

I am still having problems keeping up with the payments. In XX/XX/XXXX, I requested that Roundpoint pay the property insurance out of the escrow. Roundpoint did not, and I paid for the insurance in late XX/XX/XXXX to avoid cancellation. I have requested that Roundpoint move the insurance money from escrow, and apply it to my principal balance. They refused, on the basis that I am one month behind on the mortgage. I would have been able to get current on the mortgage if I did n't have to make the insurance payment. 

There is {$1400.00} in escrow. I have paid the insurance on the property, and the property taxes are taken care of. There is no reason to hold the money in my escrow account. This money would take care of almost 2 months of the principal and interest on the mortgage. Roundpoint would rather leave my struggling to make the payments than release the escrow.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, INC. ) due to inadequate customer services and unfair practices, which violates 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

XXXX XX/XX/2020 XXXX I was trying to add to PayPal balance. Because I was working on a comic with my artist and one of ways to pay him was through PayPal. But once he increase his price due to home bills related issues. I have to find a way more effective way to pay him. So I decided to use PayPal as a vault to hold money, like 150 this week put another 150 next week to complete the project before he change his price again. But now they telling me I can't transfer and my account is ban. I can't use PayPal anymore. But I haven't done anything illegally. And alot of people has been having this problem. I already sent them my state ID, even called and talked to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX I am sending this complaint myself and there is no third party involved. The account JPMCB CARD was a corporate account and was mistakenly reported on my profile. I believe there may be an error on the payment history, and the comment to verify this information, correct this if there are errors, or remove this ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i ran my credit report to see what was on it. I noticed a few things that didn't look accurate so i sent the credit bureaus a letter requesting them to verify the info on my credit report and to remove the following accts if they couldn't. I am not saying that these accounts aren't mine, but they are NOT reporting accurately. I do not have ANY idea who the 4 collections are to say they are or are not mine, but there is NO creditor info or collection agency info for me to see and they refuse to update it so that i can tell. 

-4 collection accounts with NO creditor or collection agency name ( equifax report only ) I  got no reply with them except for the fact that they verified the information. There was no proof of verification on the accuracy of the accounts in question. On XX/XX/XXXX i sent another letter to them asking for the proof of the above mentioned accounts. I received the exact same updates. I sent another letter on XX/XX/XXXX demanding they remove since the account is still displaying incorrectly and they were unable to provide me the documents stating that it was correct. to date, there has been nothing.
Product: Credit reporting

take the excessive hard inquiries from XXXX XXXX 2015 off credit report. only XXXX authorized was XXXX XXXX
Product: Credit reporting or other personal consumer reports

Demand for Payment Due to Inadequate Investigation of Consumer Report Complaints Dear Experian Customer Service, I am writing to formally demand payment of {$3500.00} for damages resulting from your failure to conduct a proper investigation of my consumer report complaints, as mandated under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX, I disputed inaccuracies on my consumer report related to XXXX XXXX. Despite my detailed complaints, your investigation was inadequate, and you verified this inaccurate information on XX/XX/XXXX, without providing the necessary documentation to confirm the accuracy of the disputed accounts. Additionally, your response to my complaint was well after the allowed window for investigation. 

Your failure to adhere to proper verification procedures has caused me significant distress and potential harm to my creditworthiness. I expected a thorough investigation, including documentation that substantiates your verification process, which did not occur. 

As a result of your negligence and non-compliance with the FCRA, I am seeking damages in the amount of {$3500.00}. This amount compensates for emotional distress, time spent addressing these issues, and any potential financial repercussions due to the inaccuracies on my consumer report. 

Please regard this letter as a formal demand for payment. I expect a response within 15 days from the date of this letter. If I do not receive a satisfactory response, I will consider pursuing further legal action to protect my rights. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I made an ACH payment to Rent Debt Automated Collection, an account that was under my maiden name at the time. Since then, I have received a collection letter from XXXX XXXX XXXX, dated XX/XX/XXXX for credit card debt in which I owe {$5400.00}. I called and spoke with Mr XXXX XXXX on XX/XX/XXXX to initiate a payment plan. It was agreed and electronically signed to begin making {$270.00} monthly installments on XX/XX/XXXX. However, the payment was rejected by XXXX XXXX as a " non transaction account, '' ineligible to receive this type of payment. I continued to call the collection agency for about a month with no answer, until XX/XX/XXXX. Again, I spoke with Mr XXXX to initiate the payment plan process. Installments are suppopsed to resume on XX/XX/XXXX. My complaint is regarding the timing of receiving debt collection letters. XXXX was the payee, however XXXX XXXX XXXX must have had ownership of my account since XXXX, XXXX when I received their letter. Regardless, not realizing my account was being sold to another collection agency is where my frustration lies. In addition, I have had two more collection account letters for credit card debt under my maiden name from Security Security Services dated XX/XX/XXXX. This collection agency along with the original creditor, XXXX XXXX, is listed as ( 4 ) delinquent ( deragatory ) accounts on my credit file with amounts of {$11000.00} ( 2x ) and {$6200.00} ( 2x ). I began working with a local credit repair company, XXXX XXXX XXXX, in XX/XX/XXXX with no success of the removing deragotory accounts from credit file. Currently, I am working with XXXX XXXX ( NY ), who is assisting me with inquiry removals and credit repair. After months of not being able to reach Security Credit Services, I finally spoke with a live person on XX/XX/XXXX. Apparantly, my account was transferred to the Law Offices of XXXX XXXX XXXX in XXXX, FL. I spoke with XXXX the same day to initate a payment agreement and have yet to receive a response.
Product: Debt collection

The original debt with Denefits was {$6500.00}. I only had access to the school program for one month and noticed no real curriculum, information and training was not provided. I requested to end my time with the school back in XX/XX/XXXX. Denefits continued charging my bank account months after, even though I no longer had access to the school program curriculum. I've had my bank stop all payments to Denefits. Since XX/XX/XXXX I've received threatening phone calls every single day. They literally won't stop. I receive threatening text messages from new numbers weekly. They have reported negatively on my credit report over 180 which isn't legal. They've threatened to sue and ruin my life. I'm tired of all of this foolishness. Please cease all communications from Denefits unless by mail only..I want all of our communications in writing from this point on.
Product: Debt collection

I had a bad case of Idenity theft and my police number is XXXX when this happen they even had me marked as Deceased! I had to get everything reactivated this Collection agency Security Credit Services for XXXX XXXX? a Merchant account? for {$200.00} open XXXX/XXXX/2015 then closed XXXX/XXXX/2015? Not my account this was fraud please remove. also This company was very rude.called my job and told a cowarker i owed money.
Product: Debt collection

Specialized Loan Servicing continues to attempt to collect an alleged debt from me. I do not lawfully or legally owe. Per the IRS publication I am entitled to the principal balance and interest from this account. Specialized Loan Servicing is required by law to pay the taxes on this and account accurately report this to the IRS. Specialized Loan Servicing has failed to comply. My promissory note is what is being used as the security in this credit transaction. Specialized Loan Servicing does NOT have possession of the note therefore there can not have a claim for performance. Furthermore I have the higher exclusive equitable claim in ALL of my financial assets and as the beneficiary owner of my estate I am demanding subrogation rights therefore I can not be held more liable than Specialized Loan Servicing nor harmed more than Specialized Loan Servicing. The Federal Reserve Act strictly prohibits banks or financial institutions to require anything other than commercial paper for security so pledging my family home as collateral violated the law and requirements in place by the Federal Reserve Bank who issues the Federal Reserve Notes.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  is reporting an account that was paid in full as a charge off. I turned all of my debtors over to  XXXX  and paid all of the linked accounts off in full, early. They supplied me with the proof and  XXXX   XXXX  said they turned the account over to  XXXX   XXXX , they say the account was paid in full before any collection activity started. I have a record of all of the above. This is hurting m y credit score  on all of the major credit reporting agencies.  XXXX   XXXX  is the only account that lists this kind of recording, even though I had several other cards also in the program, and no one else reported their accounts in the same manner. Payments were sent each month to  XXXX   XXXX , the proof is attached. They will not change or speak to me about it.  XXXX  said they are reporting it wrong and something should be done to fix it.
Product: Checking or savings account

In XXXX of this year, I received an email from Capital One saying that my account has been restricted and to call the number provided to sort it out. I have called the number provided multiple times between then and now and each time they said that the investigator working on my case is still working on it. It has been 3 months and multiple escalations has been initiated but still no resolution has been made. I have since opened up an account with another bank so that I could still receive my direct deposits and pay off my bills. I am just extremely extremely extremely frustrated with the seemingly lack of initiative with the investigator. 3 months is an extremely long time to not have access to my own money.
Product: Debt collection

Constantly calls at least 2 times a day, everyday. Weekend calls after XXXX XXXX
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and remove them immediately in my report : XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX with account balances $XXXX and $XXXX are reporting collections in violation of my 30 day right to dispute. I was never given any notice of these collections and only became aware of them when I checked my credit. This is in violation and they need to be removed.
Product: Debt collection

I am receiving attempts to collect from a company ( XXXX XXXX XXXX , XXXX ) I am not aware. In addition, the company ( Onemain Financial , Inc ) is listed, as the original creditor, I am unaware. I need to prove from XXXX XXXX XXXX that are attempting to collect a fraudulent debt. I need to see an original contract signed by me. I am know that I have never signed a contract with either of these companies. I have looked through my personal paperwork ( contracts signed from XXXX ). I have no records of a contract by me with XXXX XXXX XXXX or Onemein Financial. XXXX XXXX XXXX has been report erroneous information to the crediting reporting agencies of a " bad debt. '' If XXXX XXXX XXXX has proof of debt with my signature, I want the company to produce that information. As a now, I receiving notices from a them and I have no idea who they are and what " debt '' there attempting to collect. If this attempt is legitimate, I sure the company will comply and produce the original document establishing a " debt ''. 
This is an attempt to establish if this is a valid attempt to collect because I have no knowledge of these companies and signing any contracts with them.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 i was trying to do a transaction on XXXX with one of their sellers that goes by XXXX to buy XXXX worth of bitcoin he had listed for sell on XXXX. He asked me to pay him through paypal to XXXX using the friends and family to send it. I paid XXXX to paypal to pay him XXXX. He then sent me message on XXXX  saying he disnt want to wait for payment to stop saying pending in his paypal account. He told me to cancel tranactuon on XXXX ajd he would refund my money back through paypal. I told him to send me a screenshot of it being refunded through paypal to me and he sent me a screen shot of it so i cancelled it on XXXX. I never got my money back through paypal from this seller and i never got the bitcoin i was trying to buy from the seller either. He scammed me and stole my money from me. I contacted paypal they said they cant help me get my money back from their user on there to contact my bank which is XXXX XXXX XXXX  XXXX XXXX. I contacted my bank and they said they couldnt help because i authorized payment expecting to get my bitcoin. I have emailed numerous times to XXXX asking for their help getting my money back too but no replies from them. Can u help me please.
Product: Checking or savings account

Someone repeatedly hacked into our pnc checking and savings accounts and drained thousands of dollars. We had alerts turned on and never received any about these Transact! We immediately contacted pnc and spent hours filing disputes all of which pnc summarily DENIED without any questions to us or requests for additional information or any communication at all and then they closed our accounts that we have had for over 10 years with them without any notice whatsoever and refuse to even give us the balances that remained in the accounts. We have offered them proof from XXXX that my husbands phone was hacked and that is how they gained access and they wouldn't even review the extra documents simply stated their investigation was final and that we were out over {$10000.00} ( plus fees and harm to credit AND We are in the middle of buying a house and this has made our loan almost impossible and much more expensive because of their refusal to treat this as fraudulent like it is. A police report was files and sent to them and they werre notified of each transaction within 24 hours of it happening.
Product: Money transfer, virtual currency, or money service

I got a {$1100.00} on my paypal account. But paypal does not allow me to add banks to transfer it or mail it to my address. 

When I tried to add my bank account, it asks me to contact the customer representatives who can do nothing. 

When I tried to mail a check. It says " There's a problem with your address. Please check it and try again. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

The account keep appearing on my credit. the account is removed then reinserted with a different amount owed. 2 weeks ago the account was removed with a different balance but is now reporting again. The account has been proven aver and over again to not be mine. I'm going through this every single month and every month it is removed. please remove again. Please remove and block account XXXX  account number XXXX with balance of XXXX. This account is not mine. I shouldn't have to do disputes monthly for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry from Discover that is incorrectly reporting on my credit. They also said it wasn't going to be a hard pull but now that I have access to my score/report, I see that is not the case. This is unfair because these major institutions already know the consequences of these things on your report yet they don't care to remove them when you ask. This limits my ability to attain funding for my business/investment in the United States. 
Furthermore, XXXX took a hard inquiry on my account when I was still immature about my credit. I asked them if it shows up on my credit score and the employee told me " No, it shouldn't ''. Now that I am looking at my score with more knowledge of how it works, I want to get my hard inquiries removed if at all possible.
Product: Credit card or prepaid card

I applied for a card through raymour and flanigan on their website while in the process of saving for a home I wanted to use this card to buy furniture in the future, I was approved I have received a card and theyve been reporting to my credit agencies, but I have no access to this account I am victim of identity theft and have my current address and phone number listed on my credit report I also check it often, theyre reporting the {$3500.00} account but I cant do anything with it, They insist I have the wrong number to verify my identity via text message, I can prove my identity but they give no recourse and tell me my account will remain indefinitely suspended until I can get this text message??? Im mortified and now concerned my credit will take a significant hit if its suddenly pulled off especially since I want credit with them and to be able to use it in the future. 

I find it repulsive that theyre depending on text message to open a {$3500.00} account.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Checking or savings account

Capital One Bank intentionally prevented me from earning much higher interest payments due to a frozen Annual Percentage Yield ( APY ) by means of fradulent, intentional business practices. 

Capital One introduced the new " XXXX XXXX XXXX '' account in 2019, and retired the " XXXX XXXX '' account. ( Note the difference of only ONE WORD in the name. ) New customers are not able to sign up for the " XXXX XXXX '' account, as it no longer exists, EXCEPT for the customers who already had accounts. 

Instead of rolling over the " XXXX XXXX '' customers into the " XXXX XXXX XXXX '' account, thus, changing their annual APY % to that of the new plan, they kept those old customer accounts active. Those who were not told explicitly that there was a new plan coming out, did not know that they needed to MANUALLY close the old account, and sign up for the new one, so they could earn the higher APY rate. 

The APY of the old plan remained around 0.3-0.5 %. The new plan remained around 4 %. A substantially higher rate. Us old customers were frozen at the old APY rate. 

They intentionally did not notify their customers with the XXXX Savings that they needed to open a XXXX XXXX account. There should have been an automatic account rollover for the current customers to the new XXXX XXXX XXXX account, considering it is the same in every way, despite the APY rate. That is absolutely on purpose, and they were banking on the customer profile, people who are not actively checking their accounts and making note of every single APY change. 

I have recently contacted them, acquired all of my bank statements, and let them know that this happened to me. I asked them if they would pay me the retroactive payments ( what I SHOULD have earned in interest ) if they had transferred me to their updated plan. They said no. However, they said I could transfer over my account now, which of course, not wanting to lose out on any other interest, I did. Now I am earning the new account 's interest rate. It's about time. 

I would like to reiterate. Their old customers were purposely kept in the OLD SAVINGS PLAN, not told they needed to switch, and not rolled over to the new APY rate and name change. This is incredibly fradulent and with malicious intent to prevent paying more to their customers. 

They should be ashamed, considering how much they flaunt having one of the highest interest rates of any bank.