23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Received e-mail in XXXX from XXXX XXXX XXXX XXXX, a debt collection company. E-mail claimed that I owed PayPal the sum of {$1100.00}, claiming I withdrew funds from account before funds were paid out. 

To the best of my knowledge, I have not used any PayPal services in more than two ( 2 ) years, perhaps not before XX/XX/XXXX (? ). 

I contacted PayPal concerning the above, asking PayPal to verify the above statement and, according to PayPal, my account was in perfect order and I did not owe any funds to any person ( s ), company or corporation. 

Last week of XX/XX/XXXX I attempted to log into my PayPal account and found my PayPal account locked out. I contacted PayPal and they referred me to XXXX XXXX XXXX XXXX XXXX I requested from PayPal as to why my account was locked and PayPal would not give me any information and told me to contact XXXX XXXX XXXX XXXX XXXX 

I contacted XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX told me that, according to PayPal, I removed all funds from my PayPal account before funds could be paid out to certain parties. 

I informed XXXX XXXX XXXX XXXX that something is wrong and I never purchased anything via PayPal. I only used PayPal to sell certain items and never purchased any items and that PayPal will not allow anyone to withdraw funds if money is owed. 

XXXX XXXX XXXX XXXX claimed they would look into the matter. XXXX XXXX XXXX XXXX would not identify any involved parties that I allegedly owed money to. 

Received letter from XXXX XXXX XXXX XXXX, postmarked XXXX XX/XX/XXXX, stating that XXXX XXXX XXXX XXXX had acquired this alleged debt, in the amount of {$1100.00} from PayPal and that now I must pay this alleged debt to XXXX XXXX XXXX XXXX XXXX 

A total of four ( 4 ) items are listed, in various amounts. All four ( 4 ) items were made on the same day / year. These four ( 4 ) items are not mine, and are not identified by XXXX XXXX XXXX XXXX except for a date and dollar amount. 

Since XXXX refuses to discuss this matter with me in any form, and since XXXX XXXX XXXX XXXX refused to identify actual parties making these alleged claims of funds owed, I believe one of XXXX ( 2 ) things are happening here : 1. Identify Theft being my PayPal account was hacked and this is a failure of PayPal to protect their account holders or 2. There is a collusion between XXXX XXXX XXXX XXXX and PayPal to make false claims to extort funds from account holders. 

I have reviewed XXXX XXXX XXXX XXXX ratings on the XXXX XXXX XXXX ( XXXX  ) website and there are numerous filings with the XXXX  of complaints against XXXX XXXX XXXX XXXX for fraud, exactly as I have described my situation.
Product: Checking or savings account

I am writing to request assistance in an unresolved matter with the Navy Federal Credit Union ( NFCU ), XXXX. XXXX XXXX, XXXX, VA XXXX regarding a fraudulent transaction. On XX/XX/2019, the enclosed check was deposited in my sons account in the amount of {$900.00}. NFCU was notified us that the check was deposited via mobile app ; my son does not do online banking, let alone mobile, and he reported the transactions as fraud. 

During this transaction, {$900.00} deposited and {$200.00} was withdrawn on the account which in turn the account was overdrawn and my checking account was debited {$210.00} for insufficient funds in that savings account. I do not believe that a thorough investigation could be completed in 1 day and it appears that NFCU automatically believe that my son made the fraudulent transaction. 

In reviewing the enclosed check ; his account number, nor is that his handwriting ( signature ) does not appear on the check, only the bank routing number, a phone number with an area code ( XXXX ), his phone number is a ( XXXX ) area code. Ive also tried to locate the persons to whom the check belongs to. 

I opened this account when he was a child, making me a custodial account holder ; when my son reached legal age, he was the primary owner, I never signed any documents to be a joint owner, in which NFCU claimed that I was a joint owner on the account. If I was a joint owner, there has been several occasions when I made inquiries into the savings account, but was told I was not the owner, and need primary owners permission, but Im being held responsible for fraudulent transaction on this account. 

I am asking for your assistance in getting a resolution in this matter.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit reports and found accounts I do not recognize
Product: Mortgage

XX/XX/XXXX we received a letter stating that our mortgage loan of several years from XXXX  had been sold to a company by the name of Mr Cooper. We continued to have our payment of {$450.00} taken out of our checking account by-weekly. Suddenly when the payment came out automatically on XX/XX/XXXXthe amount had increased to {$600.00}.

On XX/XX/XXXX I contacted Mr Cooper at XXXX. I spoke with a supervisor in there Ohio location. She explained that I was being charged more money due to the fact that I had no home owners insurance. At this point I told this person that I have never NOT had home owners insurance, that this payment also comes out automatically every month. She then stated that Mr Cooper had faxed over 4 separate letters to my insurance company XXXX XXXX  and that XXXX XXXX had not responded. I said, then why would you not contact the homeowner, she said because we do not have to do that by law. So at that point Mr Copper takes it upon themselves to charge you a fee for homeowners insurance. I said that is a terrible business practice and not the correct way to do business. She said that if I could get XXXX XXXX  to fax over proof of insurance that I would have my money back in 2 days. At this time I contacted XXXX XXXX, In speaking with the office manager She stated that she is the only one there and has not received a call or fax from anyone claiming to be Mr Copper. She then faxed them the appropriate information twice and copied me via e-mail.

On XX/XX/XXXX another payment was taken out by Mr.Cooper for {$600.00}. I then contacted Mr. Cooper again at XXXX I spoke with a woman by the name of XXXX in there Georgia location. She was in the insurance division apparently. She stated to me that she could see in the system where XXXX XXXX sent over insurance proof and that she would change the system to reflect this. She then went on to say that I need to call back in 5 business days, speak to someone in the escrow department to be sure that this is in fact fixed. I said, that does not make any sense, you told me you were fixing it right now. She stated, well I can only do some much just contact them in 5 days. Then I proceeded to ask, when will I receive my refund for the 2 over payments that total {$300.00}? She said, oh, well why would you think you would get this money back? I said, because I have my own insurance and you are charging me for your insurance. She said, oh you pay for your own insurance? I said, isn't that the reason we are having this discussion. She then said, well if in fact they do owe you money you will need to wait to call them in 5 days, then they will process it from there and that will take another 5 days. This is just unacceptable ....
Product: Credit reporting, credit repair services, or other personal consumer reports

Contact Information XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Does not report the correct date of last delinquency. All of the payment information is incorrect and the debt which was charged off in XX/XX/2012 has been sold to a company that shows that I have been making payments which is incorrect. This company has re-aged my account which will impair my credit further. My understanding is that when a company willfully reports false information that it is a violation of The FCRA and must be permanently be deleted from my credit report. This makes this debt look like it is a new debt when indeed it is well past the SOL and is set to drop off of my credit report but now will be extended if this illegal practice is allowed.
Product: Credit reporting or other personal consumer reports

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 Experian credit reporting is reporting this adress an i have call them four times to have them remove it the address is XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Credit card

Care Credit miss reported me as deceased. I have called them several times to get this corrected. Because of the miss reporting, my credit scores across all bureaus went to XXXX while trying to refinance my current home loan, I was denied because of this. After several attempts to get it straight they seem to have charged off the debt I was trying to pay on time. Because of their error, I was not allowed to ever make a payment on my account as it was closed due to me being deceased. Now due to the charge off the only credit bureau reporting a score has dropped my score massively due to their error. I need help in recovering my credit scores. I also need them to remove the charge off from my credit. And they should be responsible for the remaining portion of the balance as I have lost out on several thousand dollars due to their error.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 

ACCOUNTS : Account # : - XXXXXXXX XXXX / Account # : - XXXX XXXX XXXX XXXX / Account # : - XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) - Account # : - XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) / Account # : - XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) - Account # : - XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) / Account # : - XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX / Account # : - XXXX XXXX XXXX XXXX XXXX Account # : - XXXX XXXX / Account XXXX XXXX - XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX and XXXX are consumer reporting agencies and I am the protected Consumer. I have the right to privacy and making sure that my private information isn't shared Pursuant 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX is a financial institution by definition under that title. Per 15 USC 1681 section 604 ( a ) section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX the financial institution and the Consumer reporting agencies Equifax, XXXX and XXXX do not have my consent to furnish this information and to date they have never received my written consent either!. Any and all consent to Equifax, XXXX, XXXX, and XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. Pursuant 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX has Never informed me of my right to exercise my nondisclosure option. Also Per, 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax, XXXX and XXXX are not maintaining reasonable procedures. Also Per 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Mortgage

I have made prepayments on my mortgage to arrive at 78 % LTV before originally indicated on original amortization schedule. I assumed this meant automatic cancellation of PMI, but apparently not. ( Does " XXXX scheduled '' mean " originally scheduled? '' )
Product: Mortgage

This problem was originally reported under complaint number XXXX. The complaint was closed too soon. Please do not close this complaint upon receipt of company response, as they are not resolving my problem. 

I received the letter from LoanCare dated XX/XX/2018, with a letter attached dated XX/XX/2018. In this letter is a phone number ( XXXX ) and extension ( XXXX ). I called this number XX/XX/18, the first date I could take off work, and the extension is invalid. I left a voice message, and did not receive a return call. 

Curiously, and without notification, my PMI charges changed in XX/XX/2018, decreasing from {$77.00} to {$25.00}. The total current PMI overpayment stands at {$410.00}. 

XXXX XXXX has refused to provide requested information to help me cancel my PMI. They state my property has lost value per XXXX, but will not tell me what XXXX was used, what information was entered, or what the new value is. The website still indicates my property value is $ XXXX. Using XXXX, my property has increased in value from a purchase price of $ XXXX to $ XXXX. Additionally, LoanCare is demanding I pay for a Broker Price Opinion, but will not provide any information regarding the BPO - just that I write a check. I've paid my mortgage on time every month for ten years and I have great credit. My principal balance is, per the website, {$120000.00}. Original property value was, per LoanCare letter dated XX/XX/18, {$150000.00}. As the principal balance is now 80 % of the original value, my PMI should have cancelled automatically.
Product: Mortgage

In XXXX of XXXX my mortgage was sold to ShellPoint Mortgage. My mortgage payment was XXXX and in XXXX  I receive a letter that my mortgage would increase to XXXX and then I receive a letter that stated as of XX/XX/XXXX that my mortgage would increase to XXXX On XX/XX/XXXX I called and spoke to Rep. XXXX she said she did not have a ID number and could not give me her last name and she begin to tell me that my mortgage increase do to my insurance. We called XXXX XXXX and they faxed the Evidence of Insurance form to ShellPoint mortgage the Rep said she receive and I should be getting a letter in the mail informing of the correction, well as of XX/XX/XXXX it has not gotten fix. I have called and talk to so many people and they keep telling me that they are fixing the matter. I am so afraid about this they have poor reviews I don't want anything to happen to my mortgage, I just want this matter fix and I want to buy my mortgage. This company is very unprofessional. No returned email and no call backs.
Product: Debt collection

I've sent written communications to XXXX  XXXX  requesting information regarding the debt on XX/XX/30. XXXX  XXXX  have not responded back with any information or even attempted to do so. This debt has been disputed many times. This collection agency has not been able to prove the debt belongs to me by not providing documents that were used for verification to legally prove this debt belongs to me. XXXX  XXXX  can not verify which documents were submitted to the credit bureaus to legally report. XXXX  XXXX  are not able to provide the employee 's name at XXXX XXXX ( original creditor ), date, time, and reporting details or what was verified with them.
Product: Credit reporting or other personal consumer reports

I have three lenders that continue to inaccurately report my accounts as past due. The first lender is XX/XX/XXXX XXXX second is NEWREZ-SHELLPOINT Mortgage, and XXXX XXXX is XXXX. Despite my repeated requests and submission of documents proving that these accounts have been paid off, the credit bureaus have not updated my account statuses to reflect that they are current, paid off, and closed. 

I've taken all the necessary steps to rectify this situation. I've contacted each credit bureau individually, providing them with the necessary documentation that shows my accounts are paid off. Despite these efforts, the lenders persist in reporting my accounts as past due, which is inaccurate and misleading. 

This ongoing issue is not only frustrating but also has a significant negative impact on my credit report and, consequently, my financial well-being. The incorrect reporting by these lenders is a clear violation of my consumer rights. 

Given that my efforts to resolve this matter directly with the lenders and the credit bureaus have been unsuccessful, I have no choice but to escalate the issue to the Consumer Financial Protection Bureau ( CFPB ). I believe that their intervention is necessary to ensure that my credit report is corrected and that my consumer rights are upheld. 

Thank you for your attention to this matter.
Product: Credit reporting

I have attempted to dispute an invalid judgment that is not mine and Equifax has locked me out from doing so. I 've attempted to dispute this invalid judgment from XXXX as not mine in XX/XX/XXXX ( attached ) and XX/XX/XXXX ( attached ) and Equifax says " This item is currently under investigation. You should receive the results of our investigation soon. '' Because of this, I can not open a valid dispute. 

The investigation has been open since before XX/XX/XXXX as shown in the Equifax report date XX/XX/2016 # XXXX " ADDITIONAL INFORMATION - Consumer Disputes - Reinvestigation in Process ; '' The FCRA does not allow for an investigation to last longer than 30 days.
Product: Credit reporting or other personal consumer reports

I don't want these accounts in my report, they are directly affecting me and they are not mine. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

A complaint against Cash App ( Block Inc ) due to inadequate services and unfair practices the Consumer Financial Protection act ( CFPA ) specifically. Cashapp failed to take timely and effective measures To prevent and address Fraud on their platform my accounts vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations on both of my accounts
Product: Debt collection

Asset are account a medical bill for someone not living in house hold mail slam.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following creditor is in violation of the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act ; XXXX XXXX XXXX : XXXX. According to 15 U.S.C. 1681s-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) during the time of the delinquency I was hospitalized with XXXX and XXXX was made aware of this. I have written letters to the CEO illustrating my XXXX. I have even provided letters from the hospital where I was hospitalized with XXXX. Please remove all late payments from my account because the federal law prohibits late payments during the global pandemic.Moreover, Thank you for your investigation for complaint ID : XXXX ( Equifax ) XXXX XXXX ( Equifax ), however XXXX I am exercising my right under FCRA, section XXXX XXXX a ) ( XXXX ) and ( XXXX ) and request the credit reporting agency to give me the Method of Verification. The eOSCAR system is a direct violation of the Fair Credit Reporting Act and I believe that no real investigation ever took place. Furthermore, In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXX VI, Section XXXX, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please tell me how you verified these items. Who did you talk to at the original credit grantor? Did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this trade-line be past the reporting timeframe? Don't provide the generic " 7 years '' response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Please delete the late payments on the account immediately.Please forward me an updated credit report after you have completed your Investigation and corrections. Your cooperation and prompt attention are greatly appreciated.
Product: Vehicle loan or lease

Santander is a predatory lender and there have been many lawsuits including one in the state of Michigan regarding their loan practices. They prayed upon me in my time of need for a vehicle. They sold me a vehicle and the dealership which I've also filed the complaints about at the state level that had numerous problems at a very high interest rate. Now it is the end of the loan and they refused to take any more payments for me and instead they just put it as a charge off even though I was making payments on the loan at the time. The car has multiple safety hazards and recalls that can not be fixed. Therefore I am unable to even sell it. I've also requested the payoff information multiple times along with other criteria including the title that they have refused to give me if I pay it off. Why would they not give me a title? I can provide documentation that shows that there are both airbag and brake safety recalls making the car virtually an operable and unable to drive. I have contacted multiple dealerships who will not even touch the vehicle to fix the recalls now due to the age of the vehicle.