23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

This is a new complaint concerning PayPal Credit but the same that was complained in the first. PayPal has special finance easy pay purchases for purchases over {$99.00}. 
This special finance gives you 6 months with no interest to pay off purchase. 
The other is 24 months easy pay purchase with 24 months pay at a fixed amount. 
Having both of these running concurrent being asked to pay the minimum purchase amount every month on the account. With this being done in good faith, sometimes making payments ahead through the months to meet or exceed the amount asked for on the minimum monthly payments. 
Over the time since starting a 2 year easy purchase with making other purchases on the 6 month no interest plan i noticed that PayPal Credit not keeping the balances of the account on that end, in fact i have made payments with some of the amount not being placed towards the account on any purchase, matter of fact i will state that part of the payments were hidden and when the questions aroused no answer that was given made any sense. What i was told was that they would get a team on it but it will be 2 billing cycles before it can be corrected. keep in mind that during this time the special finance purchases would be expiring in 2 weeks with no payment or a small amount placed toward this over the amount of payoff time agreed upon to allow the expiration of the allowed payoff time which will add the accumulated interest to the account balance. 
I have contacted them so many times over the terms of these special finance, i have stop counting because i run out of fingers. 
The last excuse that was given was that i had a purchase in XXXX that i did not payoff and that just because it is no longer being listed on the account doesn't mean it doesn't exist. 
And that causes me to believe that PayPal is taking some amount of the payments and not placed them towards balance of the account and even not placed them to the proper items to stay current on the account because i did. 
I advised them that i can no longer use their service until this has been corrected.
Product: Mortgage

Fay Servicing has engaged in unfair and improper lending practices by scheduling foreclosure on our property but has refused to provide the specific dollar amount needed to cure the default, thereby making it impossible for owner to make settlement to avoid foreclosure. 

Fay Servicing has also made no good faith effort to investigate owner 's contention that original loan was improperly transferred by XXXX XXXX XXXX ) since it was XXXX of the loans that was part of the National Mortgage Settlement between XXXX and the XXXX XXXX XXXX. 

Fay Servicing has engaged in false and misleading practices by failing to fully disclose all costs expenses and charges included in proposed trial modification, as well as full terms and conditions of permanent loan modification. Fay Servicing also failed to disclose that proposed loan modification would create a negative equity situation for the owner. 

Fay Servicing failed to fairly and properly evaluate owner 's eligibility for XXXX programs established to assist distressed borrowers, and instead insisted that lender 's proprietary loan was the only option available.
Product: Credit reporting or other personal consumer reports

I am writi ng to follow up on my previous noti ce sent on 45 days ago from the date of this lett er, regarding the dispute of certaininformati on in my credit fi le. I am specifi cally addressing the fraudulent informati on listed below as a victi m of identi ty theft ; SeeFraudulent Collecti on Account Summary in letter.
Product: Checking or savings account

My account with Sofi had its debit card stolen. 2 purchases equaling to almost XXXX from a trading site called XXXX were made. I field a dispute, it was denied, I was told that they dont have access to the info used to make this claim and that they just call the company and ask if its valid which is wild. I asked for info was told no, I just want my money back so I can move banks. XXXX also doesnt confirm the identity of said acount and I dont have one.
Product: Checking or savings account

I filed a dispute with Simple Bank. I left my card in the store & when I returned to retrieve my card from the lost & found I found out purchases were made through credit & not debit which I normally use. I called in to let them know this. As I spoke with a representative she told me that she had to cancel my card because of the disputes type she wouldnt even let me get a word in. I told her to cancel the dispute because I had my card but I still wanted to dispute these charges. She then told me that she would do all of this. So time has went on I receive a provisional credit. I then receive a message almost a month later saying theyre reversing the credit because they just heard the phone call. Which put me in a negative & I had deposits coming in. The deposits coming in took me out of the negative but it was my money. They reopened my case to let me know that it was denied so basically they took my money & there is nothing I can do about it.
Product: Credit reporting or other personal consumer reports

According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. This is for the following charge-off accounts listed below ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) Technically, this account has been sold to a new lender. This account can no longer be reported legally this can not be reported if a charge off on my credit report if the account was sold to another lender. After checking my most current report the updated information stated this account was still being reported. This account can not be reported as a charge off on my credit report. Please cease the reporting and delete this account.
Product: Money transfer, virtual currency, or money service

I received a text message on XX/XX/2023 asking me if I authorize the transaction for {$3400.00} from Bank of America. Since Bank of America sends text to authorize fraud transactions, they seemed normal. I said no and received a text back saying a B of A fraud specialist would call me right away. A phone number XXXX called me and instructed me on how to handle this fraud. They said it was a XXXX fraud, so to combat this I had to send a XXXX for that amount for a Bank of America credit. I dont frequently use zelle XXXX so I dont know much of how it works. I thought that the request sounded a little odd, so I looked up the number and the Bank of America fraud hotline came up from the official Bank of America website, which is exactly the phone number that called me, so of course I trusted it. The person on the line had an American accent as well. They had me send a XXXX of {$3400.00} and had me title it to my name. They instructed me to confirm the transaction that an automated BofA number questioned me about. Once it went through, they would call me the next day to give me an update on my case. They called me back as they said they would and said that there was a final credit that I needed to send myself in order to get my money back. Again, the number that called me was the Bank of America fraud number that is on the official Bank of America website, so I complied. They again walked me through the process where I sent {$2600.00} and they had me title it to myself. I didnt think anything of it until I was talking with my friend who said to call the bank one more time to confirm, to which they let me know I was defrauded. I filed a claim I am seeking reimbursement for the damages as an impersonator of Bank of America which is a company I thought I could trust.
Product: Credit card or prepaid card

I agreed to purchase an item ( vacuum cleaner ) as part of a promotion for completing a survey. The terms of the transaction were that I only had to pay shipping and handling of {$2.00}. After I entered my debit card information and completed the purchase I got a receipt showing a charge of {$39.00}. I contacted the vendor to cancel the transaction, but he refused and told me to contact my bank. 

I reached out to my bank and they could not get the funds back from the vendor 's bank, so they refused to refund the charge to my account. 

The transactions is fraudulent on 2 counts : 1 ) the vendor used a bait and switch tactic, showing one price & charging another 2 ) I never received any goods or services in exchange for the amount that was charged, which constitutes theft
Product: Credit reporting or other personal consumer reports

When taking a look at my credit reports I noticed unauthorized inquiries on each of my credit reports ( transunion, equifax and experian ) and unauthorized collection accounts as well as unauthorized closed accounts. I did not give permission for these negative or derogatory items to be reported. I also found out that my information was leaked in a data breach, and I was not notified about the compromise of my information. Even when I dispute the unauthorized information online they do not update with correct information, they just keep old outdated and unauthorized information on my credit report, violating my consumer rights and the Equal Credit opportunity Act and the Consumer Credit Protection Act.
Product: Vehicle loan or lease

I called in to inquiry about purchasing a vehicle with a consumer credit transaction. I was told to submit an application online to start the process which I did. I was also told that I needed to either get a co signer to go on paper with me or I had to give a third of the purchase price down payment in order to purchase the car. I was told I'm not the original creditor and that I can not extend credit to purchase a vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is still reporting wrong addresses on my credit report. This is a violation of my federal consumer rights. 

I have disputed multiple times with them to remove the inaccurate information. 

I have attached a LAWYER WRITTEN affidavit demanding removal of all the PII listed in the notarized affidavit.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

ACCOUNT NAME : 1.XXXX XXXXXXXX XXXX  ACCOUNT NAME 2XXXX XXXX XXXX  ACCOUNT NAME 3.Department of Treasury XXXX ACCOUNT NAME 4 . XXXX XXXX XXXX ACCOUNT NAME 5 XXXX XXXX XXXX ALL HAVE 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.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 antidotes 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 information is ina
ccurate.
Product: Payday loan

I received XXXX loans from various payday loan Agencies, all in which were financed by the same Finance Company. I needed the loans to pay medical bills, and well needed car repairs, I was not aware that their was XXXX Finance Company for all XXXX loans. When I went back to payoff XXXX my loans and re-loan, I was told that I could not re-loan due to my reaching my cap with the Finance Company. This caused a great financial crisis for me, because I had given them over {$700.00} contingent upon them giving a portion of it back so I could fulfill my other obligations. I contacted the Finance Agency, whom had XXXX my loans listed under a different ss # and another not listed at all, but yet I was declined receiving another loan " due to reaching my cap '' I had also paid off another loan to get a higher amount the lower amount was {$1100.00} APR of 286.27 % total payments of {$3100.00}. I had paid {$2400.00} at {$280.00} monthly for six months. I was told I had to payoff the loan first before increasing the amount, so the Lender said I still owed {$810.00} plus pay a additional fee of {$55.00}, so the interest that was deducted for paying off the loan early was only {$560.00} ( which was unfair amount ) so now the new financed amount was {$4100.00}, I received {$3300.00} after they deducted fees at a 221.13 % APR with monthly payments of {$760.00}, so the total amount owed to this same Finance Company would be {$13000.00} over a period of 17 months for a loan less then {$3000.00}. I 'm certain that the Loan Agencies are not allowed to charge this much for small loans, and if they are someone need to do something about it. If they are licensed under the Mortgage Lending Act then they should be giving Mortgage Loans not payday loans. Payloans from XXXX, XXXX XXXX XXXX, XXXX and installment loan from XXXX all financed by NCP Finance ( Lender ).
Product: Credit reporting or other personal consumer reports

FOR THE COMPANY TO DO WHAT IS FAIR AND EQUITABLE TO ME AS A CONSUMER AFFECTED BY THE XXXX DATA BREACH BY DELETING THE ITEMS IDENTIFIED AS IDENTITY THEFT. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XX/XX/XXXX -- {$16000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

So my husband and I bought our home in XXXX XXXX. We were recently informed by a bankruptcy attorney that our home was sold. It was after we sent in budget letters to XXXX letting them know our budget. I lost my job in XXXX. My husband lost his job due to health issues around XXXX last year. We are just getting back on our feet in XX/XX/XXXX. We called to try and get assistance with catching up on our mortgage and they ( Planet Home Lending ) that there was nothing they could do. I was told that our home was sold in an auction on XX/XX/XXXX. We were never served with any legal documentation to our home letting us know that it was up for auction. Someone jumped the gun and sold our home. We called and they talked to us like we were squatters telling us that we will need to find another place to move us and our XXXX young kids. How is this possible? We did not even get a chance to exercise any of our homeowner rights even if we thought we were in danger of foreclosure, we did not get the option to get help before they sold it. It was bought back by Planet Home Lending in a sheriff auction sale. No one would tell us this information. We had to get it from the bankruptcy attorney who told us they could no longer help us because the house was sold. This has to be illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX and XX/XX/XXXX I contacted Experian due to a fraudulent account that was opened and placed on my credit report. I spoke to two different representatives in regards to the XXXX credit card account. This account was opened under my name and social security number on XX/XX/XXXX. 

I reported this account as not belonging to me and was informed that they will start an investigation. As of to this date of the complaint, I have never received a response from Experian. 

Next, their is an account, XXXX XXXX XXXX that is reporting a late payment in XX/XX/XXXX. This was a " Self '' account that I placed and I know of a surety that I was never late. Where did Experian receive this information and then allowed it to be placed on my credit file? 

This was a secured loan, with my own monies, so therefore, how could I be late, and I requested the loan to not be renewed. This late payment should be removed immediately.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX What happened : 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 XXXX credit reporting agency XXXX The XXXX credit reporting agency , 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 a rental debt collection account opened from XX/XX/XXXX under account number XXXX that appears related to the aforementioned. These accounts have resulted in fraudulent collections appearing on my consumer XXXX credit report. I've attached a copy of the consumer XXXX credit report maintained by each of your credit bureaus ; 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 your credit bureaus 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 # ( XXXX ) 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.
Product: Mortgage

I had an approved requested Cares Act Forbearance Plan with XXXX XXXX XXXX XXXX  that did not get transferred with my loan when they transferred it to Gregory Funding XXXX XX/XX/2022, they said it would take up to 60days to get all documents transferred. I filed an application for Oregon Home Owners Assistance Program, and also filled out loss mitigation papers to avoid foreclosure, The packet was approved today. With a loan payment amount increase of {$360.00} plus an escrow payment due of {$1200.00} in which my escrow account was XXXX balance upon transfer. I would like to know why it wasn't transferred with the loan. GF is asking that escrow account be paid on XX/XX/2022, and a payment of XXXX due 2 days later. Today followed up with a phone call pertaining to the documentation I received today, and they denied that no where on document does it say lender will proceed with foreclosure if payment is not paid promptly. I repeated the section in where that is stated and the rep said thats if you dont make a payment on your new forbearance plan. I though Forbearance is a differed payment.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). 
I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX bal. {$150.00} XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX. {$0.00} XXXX XXXX XXXX XXXX XXXX {$8900.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Bal. {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and saw items that i didn't approve of neither do i recognize these items. I have reached out to the FTC and my local police department and I am doing this on my own behalf. I still need these items to be removed from my credit report. XXXX XXXX XXXX. XXXX XXXX, XXXX/XXXX, XXXX, XXXX XXXX XXXX, US DEPT ED.
Product: Credit reporting or other personal consumer reports

Ive recently checked my credit report and noticed some inaccurate accounts reporting and unauthorized inquiries