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

I ordered something via paypal for {$68.00} and disputed it on XX/XX/XXXX when i realized the company was a total fraud. paypal denied the dispute however i still have not received the merchandize and paypal facilited a fraudulent charge as well as fraudulent tax rates. PP D XXXX. XXXX are the paypal order numbers and dispute numbers
Product: Mortgage

I refinanced my loan the beginning of 2016. I have never one time missed a payment and I pay more than whats due every month. Loan Care is reporting me 30 days late recurring for over a year and I have never missed a payment. I have spoken with them hundreds of times and nobody there can even tell me why they are showing me late. They transfer me around to other people who do n't know what they are talking about and nobody there will actually fix the problem or help me. I have proof of all my payments and I do not miss any on any accounts. This is seriously affecting me and they will not help me. How can I be late since the start of the loan when I have made the payments monthly. They are charging me fees every month for being late but yet they ca n't tell me where I went late.
I have the proof of my payments that I have provided them monthly and not one time have they ever proved to me why they are reporting late. Yet I sit here paying late fees for a year and a half all the while getting 30 day lates every month.
They need to be regulated, how can they even do this?? I need help and I need it fixed.
I 'd like to know how these companies get away with this and apparently can do whatever they want and I have no recourse?
Product: Credit card or prepaid card

I had missed a payment due on XX/XX/23. As I had explained to XXXX reps and supervisors, I had both computer issues and a login in problem. In the confusion I thought I had paid my bill until I contacted customer service on XX/XX/23 to get login help. It was then I was made aware I missed a payment. Prior to this I was paying down my bill, making payments on time, not making additional charges. I was prepared to make a payment but found out XXXX severely cut my credit line a deactivated my card. XXXX knows what a {$5000.00} cut in credit does to someones credit They also lied multiple times denying the function of my card and restoring my credit limit. XXXX is also financially profiting from my innocent missed through fees and exessive interest. The way XXXX clobbered me for one week overdue shows XXXX has no intention of doing an honest business with me. Provoking me to default so to profit from additional fees and interest. Sell the debt, write it off, they don't care. I want to continue making payments with my credit line restored to where it was. Fee waived and card reactivated. Nothing else is satisfactory. Card # XXXX Cus Serv Phone XXXX
Product: Mortgage

Since XX/XX/XXXX this company Specialized loan servicing has tried to foreclose on our home and we were in bankruptcy. They said we didn't pay for the entire year of XX/XX/XXXX we had receipt then they said the year XX/XX/XXXX. We are now facing the 4th maybe 5th foreclosure attempt since XX/XX/XXXX. No matter what I say they continue to say the same thing. I have sent this information to the attorney general office and it was told to them it was fixed as ofXX/XX/XXXX. And they called me todayXX/XX/XXXX and said we are in foreclosure still for XX/XX/XXXX and we owe XXXX. Before they said they were sending ourXX/XX/XXXX payment back because we had to pay XXXX per XXXX. I need something done about this company that has and is doing this to me as we as my family. We tried everyone the attorney general office is back on this because it was suppose to be completed since they call again with the same thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX credit score with XXXX  and XXXX! With Experian it is ( 8 ) 10 times I have tied to get it right with no results
Product: Credit card or prepaid card

On XX/XX/2020, I purchased an espresso machine on XXXX. I paid with Discover card. XXXX delivered the machine totally ravaged. I refused to accept it and returned it to XXXX. I disputed the charge with Discover. XXXX initially lied that they have never received the return. When I submitted the proof that XXXX received the return, XXXX lied that I returned a totally different item. I submitted a proof that I indeed returned the purchased machine. Then, XXXX lied that the serial number of the returned machine differs from what was sent to me. No proof of it has ever been submitted. After I complained to XXXX, XXXX responded that they instructed Discover to close the dispute in my favor and to refund me. Discover claims that it always resolves the disputes in XXXX XXXX favor because it is their biggest customer, therefore it hold me responsible for the charge no matter what, unless XXXX directly refunds the charge. I have been defrauded by Discover and XXXX.
Product: Mortgage

I am XXXX of around XXXX XXXX  losing or that have lost their homes to the XXXX forbearance. Freedom Mortgage has lied and scammed me out of my home like they have done to many other Vets. I have reached out to lawyers, been in front of judges, sent information to my State Representative and Congressman, the VA and many other entities. No one I have contacted knows what is going on or can help. I have found many articles online about this issue and was interviewed by a large news company about this, but it still seems to be a very quiet issue. My house value has increased a lot since I purchased it in XXXX, so much that it is worth more than the 30 year mortgage paid in full is worth, including interest and fees. Because Freedom Mortgage said I didn't submit a tax return, my home was sold at Sheriff sale last year and I have been fighting the eviction process since, but lost over a week ago because a judge made what I believe to be a mistake in handling the case. 

All I want is to keep my home and to have the original lending back in place.
Product: Mortgage

Amerisave is the worst mortgage lender. I applied for a loan in XX/XX/XXXX and now it's XX/XX/XXXX and I'm canceling the loan. Amersave made a mistake on my first application that didn't get caught for a month. After the appraisal was done and all my paperwork submitted, we had to start over with a new application. Then the loan officer ( LO ) left the company and the new LO and the subsequent manager took no ownership over my file. Four months later I'm canceling my loan because they are no longer honoring the rate they promised me several times throughout the process. I requested several times that they lock the rate and they denied my request. 
It feels like a bait and switch. They promised me a rate told me their policy is to not lock until the file is approved but they would come through with the rate they promised me. Three different people verbally told me they would do this. My file was easy - w2 borrower and nothing tricky. They couldn't figure out how to transfer my appraisal from the original file. They kept asking me for documents over and over that I had sent several times. Every time I asked for an update on my file they said they were doing everything they could and some people gave me personal sob stories. They were completely unprofessional and incompetent. I wouldn't recommend anyone go here. I've done many mortgages in my life and this was by far the worst experience I have ever had. I should never have let it go on this loan. I had many options to go for a great rate back in XXXX and all those options are gone now. They have lost me tens of thousands of dollars over the life of the loan. They strung me along and kept telling me they were going to get it done. Had they been honest upfront and told me they were incapable of closing a vanilla loan I would have left a long time ago. What a waste of my time and money.
Product: Checking or savings account

Spoke with XXXX the Supervisor from the call center at Bank of The West XXXX XXXX An account was opened fraudulently and I need this taken care of. XXXX did not make me feel safe that this would be handled. He reiterated the importance of protecting the bank, but not me or my personal information that was stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

i tried to apply for car at XXXX and they said they was going to only do XXXX but it was XXXX hard inquires poured on my credit report delete 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: Checking or savings account

Recently Citibank and XXXX XXXX XXXX have publicly stated they will no longer give loans to companies that manufacture XXXX rifles and supporting equipment. I find it very difficult to do business with these financial institutions as they are infringing on my ability to pursue my second amendment rights. I believe they are making business decisions based on what they perceive as popularity reasons. I am considering closing my accounts with these companies and selling my stock in both companies. I am a Citi customer for over 40 years. I hope you can convince them it is not in their best interests to pursue this.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is closing out my complaints withouut addressing the serious errors in information its furnishing to the CRAs. It has closed out complaints { XXXX, XXXX } and marked them as duplicates of XXXX. 15 U.S. Code 1681s2 ( a ) ( 5 ) ( B ) require the date of first delinquency ( the commencement of the delinquency on the account that immediately preceded the charge-off ) must be a date that PRECEDES the date of charge-off action. To quote XXXX in many of its responses it alleges : " It was charged off on XX/XX/XXXX. '' Now XXXX knows or has reasonable cause to believe it is reporting the incorrect information because it tries to explain away what itss doing, " It is important to know your account charge off date of XX/XX/XXXX has not changed, '' presumeably because the Date of First Delinquency informaton it is furnishing to the CRAs is XX/XX/XXXX. This is a date that is explicitly prohibited under the FCRA. However, XXXX places the blame on the CRAs claiming, " we have no control over how the credit reporting agencies display the information we provide to them. '' This might be believable except, the table XXXX itself provided in its response to XXXX shows they only started reporting the alleged charge-off status on or around XX/XX/XXXX. XX/XX/XXXX is not a date that precedes XX/XX/XXXX and XX/XX/XXXX is not a date that precedes XX/XX/XXXX. Neither XX/XX/XXXX nor XX/XX/XXXX are accurate dates to allege a date of first delinquency. No doubt XXXX is engaging in unfair and unlawful acts and/or practices by furnishing information to the CRAs that under 15 U.S. Code 1681s2 ( a ) ( 1 ) XXXX knows or has reasonable cause to believe is inaccurate. Any reasonable person can see it is inaccurate, yet XXXX continues to furnish this date to the CRAs. Therefore, the payment history, charge-off status, derogatory account narratives, and charge-off annotations must be removed because the information does not meet the requirement of maximum possible accuracy under 15 U.S. Code 1681e.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> this a joint account and I will like all the late payments removed from my credit most of the payment was late during the XXXX era
Product: Debt collection

I recieved a call from a girl named XXXX. XXXX Company is : Central Portfolio Control XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, MN XXXX TEL : ( XXXX ) XXXX FAX : ( XXXX ) XXXX Advised that she is a " licensed debt collector ''. Stated I owed over {$500.00} to a XXXX I opened up back in XX/XX/XXXX and closed it XX/XX/XXXX. I asked for the CC company 's name and she would not give it to me. I then asked for more information to verify if I actually owed money but she became aggressive and insulting. The call ended quickly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, XXXX XXXX XXXX and fraud withing XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX  XXXX XXXX, XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX XXXX BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting or other personal consumer reports

I RECIEVED A NOTICE FROM YOUR COMPANY A XXXX XXXX  Account was opened on XX/XX/XXXX with a loan agreement electronically signed by XXXX XXXX that stated 24 monthly payments of {$25.00} were due beginning on XX/XX/XXXX. 

REPEATEDLY I KEEP FILING A COMPLAINT BECAUSE THIS IS NOT MY ACCOUNT NOR DID I EVER GIVE ANYONE MY INFORMATION TO SIGN A ELECTRONIC AGREEMENT THIS IS A FRAUDULENT ACCOUNT NOT AUTHORIZED BY ME NOR DID I GIVE CONSENT FOR ANYONE TO USE MY ACCOUNT INSIDE I ATTACHED A COPY OF A POLICE REPORT Account name : XXXX XXXX XXXX Consumer Financial Protection Bureau Complaint Case # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EQUIFAX, they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS XXXXXXXX XXXX XXXXXXXX XXXX
Product: Debt collection

XXXX XXXX XXXX put a {$XXXX} debt on my XXXX credit report. Claimed it was my account and i rented an apartment in XXXX of XXXX. I am not responsible for this unknown debt/account and I have XXXX knowledge of this debt. I have been contacted by phone several times from different agents to collect the debt for this account. It is affecting my XXXX XXXX and background check. I have tried to dispute it several times. This account was Not Properly Investigated.
Product: Debt collection

I received several letters and emails stating that I owed a debt of {$1400.00}. So, I then immediately responded via mail stating that I dispute the debt and it does not belong to me. If they believed it belonged to me, to validate said debt, which they also did not do. This company disregarded my letter, violated the law, my rights and still posted this collection on my credit reports which has now negatively dropped my credit scores. Which is a huge inconvenience, as I am now going through the process of seeking a new place of residence. I'm submitting a complaint, because I would like this issue resolved. 

Thank you.
Product: Money transfer, virtual currency, or money service

I opened an account on the trading exchange etorro on XX/XX/2021 with two deposits totally {$110.00} made from my XXXX XXXX XXXX checking account. This deposit completed successfully. 

On XX/XX/2021, etorro said they lacked information about the XXXX XXXX XXXX although it is listed as an approved bank on their website. The etorro case number for this is XXXX. 

I have come to discover that I can not deposit new funds, I can sell lthe crypto currency I purchased, and I can not withdraw funds. 

Over time etorro asked for more proof of identity, which I provided. They told me to delete my bank, which was impossible because I am locked out from taking their requested action. 

I get pleasant email responses that they are reviewing my case, but as of XX/XX/2021 etorro has not fixed the problem. In effect, they are holding my money captive. 

At this point I do not know what to do to get them to fix the problem that they now acknowledge does exist. 

The corporate address for etorro in the U.S. is eToro USA LLC. XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX. 

I would appreciate any assistance you can provide.
Product: Prepaid card

I been using Cash App for some time now and I always have different amount of cash withdrawals from companies that I have no idea who are they or why theyre withdrawing small amounts of money from my Cash App Account. Its always small amounts of money being withdrawn, for example XXXX dollars or XXXX dollars but never a big amount at XXXX time. 
This has been going on for quite awhile now, I wan na say for about XXXX or 5 years and I try to contact Cash App Representatives numerous times to get some answers, but always get redirected back to the Cash App leaving me with no answer as to why theres random companies withdrawing small amounts of cash from my Cash App account. 
Theres never a live Customer Service representative to talk to, so they redirect you back to the App or tell you to contact your back to get answers because its there problem not Cash App. I really dont have any idea how much money I have lost with Cash App XXXX the last XXXX or 5 years while using there services. 
XXXX really disappointed with Cash App and would like some answers. 
Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I recieved a letter dated XX/XX/18 from Huntington Bank that I was turned down for an auto loan not due to my high credit score of XXXX in the letter but that I had been delinquent on a past loan with them. 

I have never had a loan with Huntington Bank I only was on a Deed of a Home that my XXXX solely was on the XXXX with Huntington Bank.
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 these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$28000.00}, XXXX XXXX XXXX XXXX  XXXX Balance : {$340.00}, XXXX  XXXX XXXX Balance : -
Product: Credit reporting

I am writing to dispute the following information in my file. The items I dispute also I have the attached copy of the credit report I received. Such as credit account, judgment, etc. ) Is ( inaccurate and incomplete ) I am requesting that the item be remove corrected. 
Please reinvestigate this ( these ) matter ( s ) and ( delete ) the disputed item ( s ) as soon as possible.
Product: Credit reporting or other personal consumer reports

I was an authorized user on a USAA credit card account. This account was opened in XXXX of XXXX. The account was charged off in XXXX of XXXX and settled in XXXX of XXXX. I have requested removal of this account from my credit report however all USAA did was update it to reflect that the charge off was settled. I have made multiple requests and still it remains.
Product: Credit reporting

Equifax refuses to remove paid state tax liens even though they are satisfied. They " require '' a court order for deletion of the state lien. Meanwhile, the clerk of the court says they have never done that and will not do that. Otherwise, they 'd have everyone in there doing it. So I 'm stuck. Punished for 10 years for merely a few hundred dollars. Why will the federal tax lien be removed upon request which I 'm guessing is THOUSANDS, but the state will not budge? Please help.
Product: Credit reporting or other personal consumer reports

Be advised this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.

If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. Account number XXXX, account number XXXX