23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I had XXXX last payment to make on my mortgage. I received the final statement with the final payment amount XXXX XXXX XXXX. I immediately sent the payment even though it was a few weeks early ( sent XX/XX/XXXX, due XX/XX/XXXX ), as I am excited to payoff the mortgage. I received a confirmation email XX/XX/XXXX that the payment was received confirming the amount {$1300.00}. Everything was fine and paid in full. 

A day or two later I received a letter dated XX/XX/XXXX stating that if I wish to payoff my loan at this time, I needed to request a payoff statement, among other end-of-loan activities like canceling automatic bill pay. Since I already made the payment per the statement I ignored the letter. I did not wish to payoff early, just on-time by making the normal final payment. 

On XX/XX/XXXX I received another letter dated XX/XX/XXXX stating my loan is NOT paid in full and remains active, due to a shortage of funds, and to see the attached payoff statement. There was nothing attached. I called PRMG XX/XX/XXXX and was on the phone for 27 minutes with XXXX (? ), and she took some time to review and understand the situation. She could not provide any reason the additional fees and payoff statement were created, nor was she able to help credit my payment properly per the final monthly statement I received and paid. But she did direct me to the website ( I was already logged in ), and said I should review the documents section to find the payoff statement. She would not send another. 

I found the statement and sent an additional {$180.00} via my bill pay service - the same way I have always sent payments and they were always received. However, after reading the 4 page statement / letter it said that I could ONLY send a wire or certified funds. 

I went to my bank and tried to make a wire transfer, but the wire instructions provided did not make sense, mostly due to no complete bank address provided. My bank suggested I send a cashiers check ( certified funds ) as it would be cheaper even with overnight delivery. So I got the check and sent it to a different bank / address per the instructions ( not where the wire was supposed to go ). This cost {$24.00}. 

I do not believe that the mortgage servicing company had any right, authorization or other basis to force me to follow the extreme measures and pay additional fees and charges. 

Any help you can provide to resolve this issue is greatly appreciated. Thank you. 

XXXX XXXX XXXX
Product: Debt collection

They continue to call me, even though I'm already making automated debit payments monthly from my checking account.

Now they have started calling me at my place of employment. THEY ARE NOW HARASSING ME AT WORK.
Product: Credit reporting, credit repair services, or other personal consumer reports

I phoned XXXX XXXX because the agency is reporting a charge off of {$73.00} that it is also being reported in duplicate by Enhanced Recovery. The representative with XXXX  instructed me to call enhanced recovery, when I called enhanced recovery they denied that they were continuing to report it. I believe that this account is being reported in duplicate and that the agency is in advertently reporting it and that the account is too old to be continually reported. 

Date Reported XXXX XXXX, XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account XXXX XXXX XXXX ERC XXXX XXXX XXXX XXXX XXXX Account Number XXXX Account Type Not Reported Responsibility Individual Age Of Account 5 Years, 1 Months Credit Limit Not Reported Highest Balance {$73.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been closed since XX/XX/ 2019 and they are constantly changing my payment history by removing and adding missed payments to my credit constantly affecting my credit scores. I have uploaded 3 proofs below.
Product: Student loan

I submitted an updated PSLF form to MOHELA on XX/XX/, to update my PSLF payment count. It appears the form has not been processed. 

I submitted an inquiry request to MOHELA in XXXX to find out why its taking so long. I have not received a response. 

As of today, XX/XX/, my payment count still has not changed.
Product: Consumer Loan

Santander Consumer USA failed to properly notify me of the date and place of the sale of my repossessed vehicle or prove me a opportunity to purchase my vehicle back .Upon receipt of the notice of intent to sale Santander simply stated my vehicle will be sold before a specific date. When I contacted santander I was told I did n't have the right to personally appear at the auction and they are not required to tell me the date and place of the auction. I have communicated with Santander and have been told the repossession was legal and I had no right to purchase my car back outside of a direct transaction with Santander. I told them that my state requires them to notify me of the date and place of the auction in writing so that I can purchase my vehicle back. I was told to sue them. Attached was the only letters I received from Santander Consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I disputed XXXX XXXX XXXX in regards to a collection account that " DOES NOT BELONG TO ME. '' I disputed XXXX XXXX XXXX On XX/XX/XXXX, which I have a right to do and I am fully aware of my rights. The letter to them was mailed out on XX/XX/XXXX, sent via certified mail with return receipt. The letter was delivered to them on XX/XX/XXXX at XXXX XXXX in XXXX, Ga. XXXX. I received an email with proof of Equifax receiving my dispute on Friday and starting the process on XX/XX/XXXX. " According to the Fair Credit Reporting Act 611 ( a ) ( 1 ) ( A ), the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. '' It is now XX/XX/XXXX and way over 30 days, which means this must be deleted immediately. I have not received a response or nothing in the mail. They are not responding via mail or over the phone about anything. They are acting as if I never contacted them. I sent everything via certified mail. I also have proof of a call log of me calling them. I called on XX/XX/XXXX to make sure the letter was received. I called twice on XX/XX/XXXX, one time at XXXX XXXX and the second time at XXXX XXXX because it was 30 days and no response. I was told call back in 30 minutes to 1  hour because the systems were being updated both times. I called again on XX/XX/XXXX at XXXX XXXX and was told the same thing that the " systems are being updated. '' All of the times I called I asked for names and ID numbers for proof and they refused. I have proof of everything stated in this response. It has been over 30 days, they are in violation of Fair Credit Reporting Act 611. This item must be deleted immediately.
Product: Debt collection

RE : XXXX XXXX closed account # XXXX Transworld Systems Inc. account XXXX XXXX I need help resolving a difficult issue caused by XXXX XXXX systemic failure to correct billing errors. Now it is impacting my interest rates, insurance rates and ability to obtain financing. 
XXXX XXXX failed to correct initial billing error. 
XXXX XXXX failed to provide results of investigation ( their number XXXX ). 
XXXX XXXX failed to provide a hearing with a local Utility Hearing Officer. 
XXXX XXXX failed to communicate beyond final billing. 
XXXX XXXX failed to provide my correct address to the debt collection company. 
In summary XXXX XXXX failed to respond to all communications, oral and written, and now inflicting undue damage to my credit profile. 

From the day ( XX/XX/XXXX ) we set up a gas service account, we have maintained accurate records of all communication with XXXX XXXX. Since receiving the first bill we have had numerous lengthy telephone conversations and submitted written proof of the billing errors as well as a written request for a hearing with a Utility Hearing Officer with no response. We opened the natural gas account in XX/XX/XXXX to keep a vacant house from freezing and closed the account in XX/XX/XXXX and paid the final bill XX/XX/XXXX, less the amount ( {$330.00} ) in dispute. No follow-up bills or letters were received. This led us to believe they had corrected the account. 

But in mid XX/XX/XXXX, during a periodic check of my credit history, there was a new account! In the derogatory remarks section of my credit report, Transworld Systems IncXXXX XXXX now claimed a collection debt of {$330.00}. I immediately called Transworld Systems to dispute the claim. They claimed since I did not response to their XX/XX/XXXX letter within 30 days, my opportunity the dispute the claim expired. Apparently XXXX XXXX had not provided my address ( the same for over 16 years ) to the collections company and so no letter was delivered to me. On XX/XX/XXXX Transworld Systems Inc. sent a letter with sufficient account information such that a formal dispute letter was sent to them XX/XX/XXXX, with no response to date. 

I need your help to force XXXX XXXX to correct the billing error and XXXX  to remove the collection derogatory remark from my credit record. And since the account has been closed for more than a year and the account is a write off. Without fixing this, it will negatively impact me for the next 5 years or more. 

Please let me know if you can force XXXX XXXX and Transworld Systems Inc.to fix this, and if so provide periodic progress reports. 

Thank you Sincerely XXXX XXXX XXXX Attachments, copies of 1 )  XX/XX/XXXX letter to Transworld Systems Inc 2 ) XX/XX/XXXX Transworld Systems Inc letter 3 ) XX/XX/XXXX telephone conversations with XXXX XXXX 4 ) XX/XX/XXXX letter to XXXX XXXX with final payment 5 ) XX/XX/XXXX bill payment 6 )  XX/XX/XXXX letter to XXXX XXXX with payment, photos of initial and XX/XX/XXXX meter readings, and XX/XX/XXXX telephone conversation notes. 
7 ) XX/XX/XXXX ( XXXX XXXX ) photo of initial meter reading
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Im filing a complaint against Cash app ( Block, Inc. ) due to inadequate customer service and unfair practices, which violates the Customer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and detect fraud on their platform leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to all three credit burears to investigate inaccurate accounts on my credit report and they have come back " verified '' but i have yet to see a proper investigation of what iv asked for from them.XXXX, Transunion and XXXX are listing on my credit report that i have dept colletion accounts in the amount of {$4500.00}, {$9000.00}, {$4500.00}, {$2300.00} .All they have provided is the same old paperwork that i have received over and over. it states my name and address and amount i suppossedly owe. in this investigation i have requested that they send me the original binding contracts with my signature proving that i applied for theses account and i have not received my request XXXX know my rights as a consumer to not have my name or credit report slandered as it is and thus making it difficult to use my credit because so. The law FRCA 15 USC 1681 states that the must by law provide me the consumer with a proper investigation that is 100 % accurate. i have demanded these reports be deleted if they can not do a proper investigation and they have yet to delete then
Product: Credit reporting or other personal consumer reports

Ive contacted All 3 credit bureau Equifax XXXX and XXXX on various occasions since XX/XX/2023 and asked them to provide me proper documentation, holding me liable for these debts thats reporting on my credit reports they have failed to do so on multiple occasions, and are claiming that they are verifying the information, but not sending me any documentation, I would like these accounts delete it from my credit report immediately as it is stopping me from obtaining future credit. I have no knowledge of the accounts thats currently reporting on my credit reports. They are also falsely verifying thats on my credit report with no actual proof.
Product: Money transfer, virtual currency, or money service

I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business in Crypto trading since XXXX. My paypal account : XXXX has incoming payments from my customer that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless.

For validation, I attached my Valid ID
Product: Credit reporting or other personal consumer reports

I'm dealing with a really tough situation that I want to explain in simple terms. 

First, I tried to open business accounts at different banks, but they all said no. They told me it's because of something called XXXX. This was a sign that something was wrong. 

Then, I applied for an account with XXXX XXXX XXXX XXXX. But here 's the problem : they never got back to me about my application. After waiting for a whole month, I decided to call them. They told me I already had an account with them. I told them I didn't make that account, but they didn't believe me. Now, it's been about two months, and they still haven't fixed it. They're saying it's a case of fraud, and I have to deal with a special process to sort it out. 

I checked my XXXX reports to learn more. It was frustrating to see that there were 3 or 4 different names listed, and they weren't spelled like my name at all. Some even seemed like girl names. Also, there were addresses I've never lived at, but they seemed to have a connection to my last name. 

I tried to fix this mess. I asked them to take out the wrong names and addresses from my records. I also made sure to lock my records so that no one else can mess with them. But now, I'm seeing more banks on my records that are close to where I live. I've never done any business with them, but they're saying things about me that aren't true. 

I reported the identity theft to the right people, and I even have a paper that proves it. But even after all that, I checked my credit report and saw things that didn't make sense. There were things listed that I didn't recognize, like addresses I've never been to. 

What's making me even more worried is that I'm seeing hard inquiries from places like XXXX 's, XXXX XXXX, XXXX, and XXXX XXXXXXXX XXXX. But I never asked these places for anything. It's making me anxious because it feels like someone is pretending to be me. 

So, I'm writing this letter to ask everyone who has the wrong info about me to fix it. I just want them to take off the things that aren't true. This whole situation is really tough for me, and I hope they can help me make it right. Thanks for listening.
Product: Money transfer, virtual currency, or money service

XXXX XXXX, XXXX I received a {$400.00} PayPal payment from XXXX XXXX who owed me {$20.00} at the time. He said he sent the wrong amount and asked I send him {$380.00} back but to a different PayPal account named XXXX XXXX. I did. 

Weeks later on XXXX XXXX, XXXX a {$400.00} charge appeared on my PayPal account from PayPal.  They said it was for the {$400.00} I received on XXXX XXXX, they wanted it back. I told them what happened and asked them to give me in writing what the charge was for. They have not given me anything in writing about the charges to this point so I could resolve this issue. 

Instead, they attempted to bully me by sending the issue to a collection agency, XXXX XXXX XXXX, XXXX contacted me about a {$400.00} debt to PayPal. I wrote the agency that I did not owe PayPal as the funds that were sent to me were guaranteed and the funds I sent out were also guaranteed by PayPal and they were to the same person. 

After reading PayPals warrantees, there is no grounds for them to try to bully {$400.00} from me for a transaction I did in good faith. Also, why did it take them 6-8 weeks to try and resolve an issue? That is bad business. 

I find that the money I received was guaranteed and if I gave it as a gift It could not be taken back from me, which is my position. I will not be bullied by PayPal.
Product: Checking or savings account

Today XX/XX/2023 I went to Citizens Bank ( XXXX XXXX XXXX XXXX XXXX MA XXXX ) to withdraw {$400.00} from my checking account. Upon completing the transaction, the ATM gave me my card back and immediately shut down. I waited in line to be told by the teller the money was taken from my account and there was nothing he could do. I then spoke with the banker XXXX XXXX XXXX ID # XXXX and he said " what would you like me to do about it ''. I replied " Ive never had this happen before? ". He then instructs me to sit while he begins to file a claim. After he finished he said " The ATM has been doing this for the past 4 days, but its not our problem. They company responsible for the machine will be in to fix it tomorrow. I don't even have access. '' Which I know is false information, because at my home branch in, I once left my card in the machine after finishing the transaction. Later that same day the banker was able to retrieve my card without any hesitation. XXXX was finding any excuse not to do his job. I am still waiting on the funds to be deposited into my account.
Product: Prepaid card

I called Money Network on XX/XX/year> at XXXX to file a dispute for an unauthorized transaction that was made on my prepaid card/account. The unauthorized transaction is in the amount of {$2700.00}. The representative I spoke to informed me that I must do one of the following within 10 business days in order to receive provisional credit. She also stated that if they do not receive this information within 10 business days, then I will NOT receive the provisional credit.

1 ) fill out and mail a dispute form 2 ) print the dispute form and fax it or 3 ) write a free form and email the dispute information I chose to email the dispute information. The representative then proceeded to tell me the information that I need to include in the email. I sent the email on XX/XX/year> at XXXX. 

To check on the status of my request, I called Money Network today, XX/XX/year>, at XXXX, and the representative told me they have NOT received my email. She then asked me if I was sent any " undelivered mail '' notifications, and I told her I did not receive any email of that nature. I then asked her if I can resend all the dispute information via fax and/or mail instead, and she said yes. To ensure they receive my dispute information within 10 business days, I will be faxing the information AND overnighting a letter. 

I do not understand why they did not receive the email that I sent 2 days ago, especially because I did not receive any " undelivered mail '' notifications.
Product: Checking or savings account

I noticed I had a charge on my card to a company called XXXX. I have never heard of this company and I was charged {$29.00} once in XXXX and again XX/XX/15 at XXXX am. I also have another unauthorized charge for {$26.00} at " XXXX XXXX XXXX XXXX XXXX XXXX ''. When I typed in this address it was for a XXXX pharmacy in XXXX, I live in XXXX  and I have never even been to XXXX. I am unsure if both of these charges are the same person, but I think it may be safe to assume that it is. When I went to call this location, the call went straight to voicemail. 

When I called the XXXX company I was able to connect with someone who helped me tremendously. He found my card that was charged and provided me the email that was used along with my card information to make the account. The email is not one that I recognize and neither was the name that was provided on the account. He refunded the {$29.00} charge for XX/XX/15 as this was the only one he could refund which I appreciate tremendously. He also canceled the account that was made with my card information and took my email so that he could forward me the cancellation which had the information used to make this account. 

The information is below ; Name : XXXX XXXX Email : XXXX Phone : XXXX I know these things are usually hard to track down but I want to report it because this could have been horrible for me. I make a little over XXXX a year so I do not have the funds to fund a scammer. I woke up with {$1.00} in my account and I am lucky that I was able to get something back. 

I also took a look at the reviews for the XXXX pharmacy and everyone is commenting about money being stolen from them. This would be a good place to check and see what is going on. 

I appreciate all of your time and help and I hope whoever is reading this has a wonderful day today, thank you for all that you do! 

XXXX