23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I opened a account with pay-pal in XXXX. I have a money balance of {$34.00}. I'm trying to get this money sent out to me like I have over the years and NOW in XXXX Pay-Pal says they can't close my account and send me my money of {$34.00} unless I give them my Social Security Number or Bank Account number... ... .Just to GET MY MONEY!!!! When I asked why? The answer I get it to avoid fraud ... ... I've had my account for over 5 years with no issues of fraud and now I want to close my account and get my money of {$34.00} they want all this information. Pay-Pal said they will not give me my money unless I give my personal information. I refuse to give them my info since I HATE THIS COMPANY and want to close my account!!!! Please help me.
Product: Mortgage

In end of XXXX beginning of XXXX I submitted an application for losses mitigation at the time I was only 7 ( around {$5600.00} ) payments behind. They denied because it was only reviewed for a a modification whitch wouldof increased my payment to something i couldn't afford but wasn't reviewedfor anything else. So I submitted another application on XX/XX/XXXX only 8 payments behind ( around {$6200.00} ) for all options for mortgage assistance and it was denied because the company thought it was a appeal. So another application was submitted end of XXXX specifically stated to review for all options. In XX/XX/XXXX the company asked for documentation for my child support proving i was receiving it so the application wasn't put into review until XX/XX/XXXX ( i was only 10 payments behind ) Was denied for all saying the mortgage was over 12 months behind. If my first or even the second application was reviewed for all options available I would have qualified for a partial claim that I can afford. I have to add that my first application the lady I talked to at the bank told me to put on my application to the owed amount at end of mortgage. She didn't discuss any other options to me I only found out more about my mortgage program through XXXX only found out more about my mortgage through her.
Product: Debt collection

I have been disputing this collection account on my reports with Midland credit for some time now. I sent them a letter requesting validation of this debt and it has been well past 30 days and I have not heard anything back. Here is the tracking to prove my dispute was received XXXX XXXX  XXXX XXXX XXXX. It is my right as a consumer to dispute any information that I find on my report as inaccurate, and as a consumer reporting company it is required by law that my dispute is acknowledged and investigated properly. It is illegal to ignore my dispute and I have no other choice to believe that it was ignored because they clearly can not validate this debt as accurate. I am demanding that this account is deleted from my credit report as they are in violation of my rights as a consumer!
Product: Credit card or prepaid card

I received an denial letter from Comenity Capital Bank. Two problems are : much lower scores than on previous denial letter in XXXX and on XXXX  Website. They are saying my score was XXXX in XXXX. XXXX had my score as XXXX in XXXX and now is XXXX. Lastly, why I need a real estate loan. This will make debt ratio higher. I own house with no mortgage. If I was able to obtain real estate loan, my debt ratio will be higher? I already have a car note. I make {$49000.00} a years. I have been on my job for 17 years.
Product: Credit reporting or other personal consumer reports

I wanted to follow up regarding my recent update, as I've noticed that there hasn't been any deletion of items in response to my previous queries. I have sent multiple letters to the Credit Bureaus requesting removal, but unfortunately, they only removed items once, and I didn't see any significant improvements afterward. This has left me feeling a bit disheartened. I understand the importance of maintaining an accurate credit report, and I believe that the removal of these items is crucial for my financial well-being. I kindly request the removal of the following items from my credit reports : EXPERIAN : 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 XXXXXXXX Balance : {$3400.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$870.00} XXXX  XXXX Balance : {$2800.00} XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX : {$23000.00} XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$870.00} XXXX XXXX Balance : {$2800.00} XXXX : XXXX XXXX XXXX XXXX : {$23000.00} XXXX XXXX Balance : {$3400.00} XXXXXXXX XXXX XXXX XXXX Balance XXXX {$870.00} XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

Comenity Capital has called me numerous amount of times in the past 3 months ; Sometimes more than 10 times in one hour to be specific and everybody except for one person has been so hateful and telling me they were gon na turn me into the local police and theres been several terrible messages that Ive saved. This last guy that just called me at XXXX this morning. ( Sunday morning ). I explained that this bank was harassing me during a horrific time in my life, and he said verbatim why did I throw that on him like you did then proceeded to tell me I was lying about her death, I owed HIM a debt that he had to collect on now or I was going to face jail time. 
I have been going through a tremendous amount of personal loss ( my mother passing away ) as well as trying to retrieve things that were lost/stolen at the hospital as well as a lawsuit against the hospital for a numerous amount of reasons that the health system and Hospital, failed her. 
I have explained this to one super nice lady there named XXXX, and she was a supervisor. I gave her a day that I would call her, did and have several times I can never catch her at her office. 
So as long as they are nasty to me and say ugly words to me, yell at me, I do not feel like that is something in my best interest right now they are harassing and bullying me and mentally I can not handle much more and have told them that. Im have already had XXXX XXXXs in my life. 
I am still waiting for the girl named XXXX to contact me back. But this man as well as the two or three messages that Ive saved on my voicemail can prove just how bad the harassment and bullying have been
Product: Money transfer, virtual currency, or money service

OnXX/XX/2020 chase bank froze my two account over a wire transfer to my account I was told it a cash transfer no way is it fraudulent then chase was mailing me a check refund of my money XXXX XXXX other account XXXX I have statements showing my money that chase took
Product: Credit reporting, credit repair services, or other personal consumer reports

My right as a consumer is being violated according to " 15 usc 1681a2 '' I did not give permission to have this account furnished on my report. 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. 
These accounts have been reporting on my credit for the past 12 years, and I'm not liable for this debt. 

XXXX XXXX XXXX Account Number : XXXX has violated my rights XXXX XXXX XXXX Account number : XXXX has violated my rights XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

It seems that Portfolio recovery refuses to send me proper documentation of my alleged debts even though I have disputed with them multiple times over the past XXXX years over these accounts and they continue to report these accounts inaccurately on my credit report. This has caused me multitude of grief from denied jobs, applications, high interest rates, the list goes on how this has personally affected me. 


I have disputed the account ( portfolio recovery ) multiple times with XXXX, XXXX, and XXXX multiple times. I have also disputed directly with the creditor asking for XXXX of the right for portfolio recovery to collect this debt and proof that the debt even belongs to me and portfolio continue to ignore my requests. 

I requested documentation from their files used to verify these accounts. Under the XXXX XXXX XXXX XXXX, I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of request concerning the account reported on my credit report. Simply sending back a letter saying verified does not fulfill that obligation. 

Who verified these accounts? How did they verify them and with what documentation? Were any of these documents signed? Where did these agreements come from? 

They absolutely refuse to answer any of those questions and therefore should remove this account from my report immediately. 

The only documentation I received was a {$0.00} balance letter and notification that the account was updated, verified, or that there was new information. A balance letter or statement does not qualify as verification per XXXX. This company is in violation for continuing to verify accounts without providing proper evidence and documentation as requested. It is my contention that Portfolio recovery can not properly tie me to these alleged accounts otherwise they would have done so when I made the initial request. XXXX is blatantly disregarding the law and with everything going on with these breaches I dont trust anything from them. Please delete this from my report.
Product: Debt collection

Upon calling I informed them that any medical debts that I had were covered under insurance and had no record of this debt, they would not send me documents with my signature that I agreed to pay this amount nor would they verify that I signed any contract for this
Product: Debt collection

Received a phone call with a recording that there was a legal case against me, which is completely false to begin with. The usual stuff stating they needed to get my signature on legal documents at work or home, etc. Pressed 1 and was connected XXXX XXXX ( I believe that was his name ) from Cordoza and Wexler Recovery Systems. This debt was discharged in a XXXX XXXX Bankruptcy XXXX. I must have received 20 calls on this, which I have mostly ignored except to tell them it was in Bankruptcy, they are trying to collect for XXXX  XXXX XXXX. Even tried telling me that because it was through a tribe it wasn't dischargeable even though tribes only have the same rights as a state generally. Seems to be a pattern with Payday Lenders making these false claims and not once have I ever actually been served legal documents from these folks like they keep threatening. By the way a simple internet search on the company will yield several complaints, probably enough to to start an investigation. I'm surprised I actually got a name this time. The phone Number I was actually called from is ( 540 ) 385-0601 ( most likely spoofed ). From the XXXX their contact information is below : Cordoxa and Wexler Recovery SystemXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX http : //www.cordozawexlerrecoveryservices.com/ ( XXXX ) XXXX Thank you,
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times 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 transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Payday loan, title loan, or personal loan

On about XXXX XXXX, 2019 I, Mr. XXXX XXXX XXXXcaught an ad with Cabela '' s out door products in applying for a credit card with Capittal One bank. With in seconds I, XXXX XXXX was rejected.At this time I bank with Capital One savings account.It 's not fair that a bank hold your savings, but won't help establish a line of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be validated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX 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

Request 1099 for closed accounts. I requested all accounts that are open being credited from my name. Companies did not provide any information but as admittance to fruad and other laws violated an account was closed and deleted then placed back on credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX  Account # Ending XXXX received two letters That has violated my rights, I will be uploading the Letters that 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. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 15 U.S. Code 1681g - Disclosures to consumers ( 1 ) All information in the consumers file at the time of the request, except that ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure ; and ( B ) nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 u.s.c 1692 ( B ) ( 2 ) 15 u.s.c 1692 ( C ) ( A ) 15 u.s.c 1692 ( G ) ( A ) 15 u.s.c 1692 ( D ) 15 u.s.c 1692 ( C ) ( A )
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered a debt consolidation program about 2 years ago with XXXX XXXX XXXX. I included an active account with FEB-Retail which was a consumer loan for home improvemen ( bath fitter ). I completed the program in XX/XX/2022 and paid all of my creditors in full including FEB-Retail. This account was negotiated and settled for a lesser amount than owed. All three credit reporting companies continue to report incorrect info including that the active status of the account is still charged off. On all three reports, the account continues to report as s charge off, even after several dispute attempts and providing proof to the credit reporting agencies that they have been paid in full directly which I have confirmed with XXXX XXXX XXXX. Not only are they reporting an incorrect status, there are several errors and inconsistencies among all three reports. I am filing a complaint so that I can find resolve and understand as to why they continue to report incorrect information after being paid in full. Even after several disputes. They are hindering me from trying to improve my credit score and situation. which is why I entered a debt relief program to begin with.
Product: Credit card

Despite numerous previous written requests, the unverified accounts outlined below persist on my credit report, which is a violation of Federal Law. The XXXX Credit Bureaus have neglected to comply with the Fair Credit Reporting Act, 15 USC Section 1681i within the stipulated timeframe, and they persist in reporting unverified information. Given my extensive efforts to resolve this issue directly with the creditors, their actions can be interpreted as deliberate negligence and a failure to adhere to federal regulations. These statuses have a detrimental impact on my credit report, and this damage could have been prevented if the bureaus had conducted thorough investigations before reporting derogatory information. DISCOVERBANK XXXX
Product: Checking or savings account

On XX/XX/year> I did a mobile deposit of my paycheck for {$370.00}. I received a response that my funds would become available on XX/XX/XXXX to ensure my paycheck wouldnt bounce. XX/XX/XXXX I contacted Chime and asked why my funds were still not available. They could not give me an answer. Then when I logged back into the app, the date changed to XX/XX/XXXX. This has caused an overdraft on my account. I am unable to feed myself and children or put fuel in my car.
Product: Mortgage

I applied for a mortgage modification in XXXX and within the 3 day period, I rescinded agreement. Apparently, the company ( Ocwen ) did not honor the fact that the modification had been rescinded. The loan matured on XX/XX/XXXX. I was expecting the 15 year loan to be paid in full by this date. 

Instead, I'm told that I owe in excess of {$39000.00}. The loan started off at {$44000.00}. I found out that I was put into an interest only loan. Originally, I only wanted to save some money by doing a modification. I decided to cancel it.
Product: Credit card

During the beginning of the pandemic I applied for an Apple Card but shortly after being approved for the card I was laid of from my job at the time, meaning I did not have a source of income. I had no savings or anything and I was only relying on this one credit card. 

I tried making the lender aware of the problem and asked for the late payments to be removed and they said they will do it and its been almost two years and the late payments still showing up on my credit report.
Product: Payday loan

On XX/XX/2016 Ohio Acceptance LLC ( XXXX ) on behalf of XXXX XXXX XXXX attempted to debit my checking account in the amount of {$260.00} as a final payment to the loan and this amount is incorrect and my payday is on the XXXX and XXXX of each month as myself and the bank can not figure out why Ohio Acceptance was trying to pull money off of ( XXXX ) debit cards at the same time. In addition to I have made 6 payments out of the 9 scheduled and should only have a remaining balance of XXXX according to the payment schedule. I called Ohio Acceptance LLC today and the gentlemen that I was transferred to was rude and when I asked why after 6 payments did I still owe more than what I borrowed he answered '' lady did n't you read your contract ''. I proceeded to tell him that this amount was not right and they need to fix but he kept insisting that I read my contract which enraged me so I hung up. I went to the back and the bank has put a restriction on my account until this issue can be resolved. Ohio acceptance LLC has no means for a borrower to see an itemized detail of the charges and payments that would justify the remaining balance of {$260.00}. And why are they in my account on XX/XX/XXXX when I am paid on XX/XX/XXXX?
Product: Credit reporting or other personal consumer reports

I have multiple hard inquiries on my credit report some of which I do not recognize one of them being from Huntington Bank and another one being from XXXX XXXX. After calling Huntington Bank, and trying to dispute the inquiry, I was informed that I would not be able to since I do not have a formal account with them. I called XXXX XXXX back again to inform them and see if there was anything that we could work out and I was told to file a complaint for credit card fraud as it might be someone using my information to make an account with these banks.
Product: Mortgage

Hello - XX/XX/XXXX - At the advice of my tax advisor I prepaid my XXXX real estate taxes due to XXXX XXXX for my property located at XXXX XXXX XXXX XXXX, XXXX, MN XXXX / PARCEL ID XXXX. TRACKING # XXXX XX/XX/XXXX - XXXX XXXX deducted {$2800.00} out of my XXXX XXXX account for the payment of the XXXX real estate taxes. 

XX/XX/XXXX - I spoke with Ditech Financial ( XXXX ) customer service to inform them that the XXXX property taxes were paid in full and inquired as to the procedure for requesting an escrow analysis and subsequent refund as my escrow account is significantly over funded. Much more then one-sixth ( 1/6 ) of  the estimated total annual disbursements from the escrow account. Customer rep at Ditech provided a fax number of XXXX to send a request for analysis. 

XX/XX/XXXX - Drafted and faxed letter to Ditech along with my supporting documentation. Fax confirmation came thru and is attached in the PDF. 

XX/XX/XXXX - Receive letter from Ditech via US Postal Service dated XX/XX/XXXX denying request for escrow analysis.
Product: Checking or savings account

Friday XX/XX/XXXX I didnt make a transaction with XXXX they took {$280.00} in my bank. So I file dispute with chime they told me will give money back then process investigation then this morning I got denied and was told Im not getting my money back. I need my money back that I didnt ask them to take my money from my chime card.
Product: Student loan

1. My loan has been improperly calculated under the IBR XXXX % repayment program since XX/XX/XXXX. Specifically the providor used my gross income instead of my adjusted gross income. Upon contacting them they promised to review the loan within 30 days, to date they have not. 

2. I requested to be switched into the new REPAYE program on XXXX/XXXX/15, to date I have not been switched even though I qualify. To date they have not honored my request.
Product: Credit card or prepaid card

Some time before XX/XX/XXXX, I had applied to Synchrony for a credit card ; however, Synchrony said that it could not identify me, and thus rejected the application. However, Synchrony did a hard credit pull, and refuses to remove it. If Synchrony is saying that there was a problem in identifying me, then it is against due process to consider that I was the one who had applied for credit, and thus the hard credit pull should be rescinded. Surely there is something in the Federal Code that requires a rectification.