23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Over the past 4 years I have been lost 3 jobs due to role elimination. Given my job losses my credit became damaged and I was forced to seek a loan from a high interest rate organization ( Spotloan ). My unemployment this time around has lasted longer than anticipated ( 11 months ) and I have been unable to pay back my outstanding debt with Spotloan. 

Today I received a call from a Debt Collection Agency claiming to now own my outstanding debt with Spotloan. The individual claimed to be from a collection agency name " XXXX XXXX XXXX '' the call came in from XXXX XXXX XXXX XXXX. I spoke with a gentleman named XXXX XXXX and he gave me a call back number of XXXX XXXX XXXX XXXX Ext. XXXX. 

I knew that I had an outstanding debt with SpotLoan so I agreed to set up automatic debts to begin paying down the debt. XXXX XXXX was very unprofessional during our first conversation but I accepted the fact that I owed the debt and I just should make arrangements to pay off the balance. XXXX XXXX stated that they only did payments by debit card so I provided him with the necessary information. 

After hanging up with XXXX XXXX I checked my records and determined that the balance he quoted did not align ... I telephoned the company back.. The gentleman who answered the phone did not identify himself as being with XXXX XXXX XXXX he just said " Hello '' when I questioned him about the company he became very rude so I hung up. I than called back and asked to speak with XXXX XXXX directly. I was transferred to XXXX XXXX. I asked him again to provide me with my balance. He hesitated, became very irate and claimed my balance was {$800.00}. Well {$600.00} was the amount of the original loan but I had in fact made payments toward the balance. 

I called Spotloan directly to confirm my balance and they stated their records indicated the balance was {$510.00}. Their records also indicated that the loan was " pending '' sell but they could not tell me at that time who the loan had been sold to. Spotloan requested that I call back next week and they could tell me who the loan had been sold to. 

I called back to XXXX XXXX XXXX, to request a breakdown of how they arrived at the {$800.00} ... Again XXXX XXXX became irate and stated that if I did not want to uphold the arranged {$50.00} bi-weekly payments he would just sue me ... He continued to complain that the " little {$50.00} payments meant nothing to them ''. 

My concern is if this company " XXXX XXXX XXXX '' is a legitimate organization and how can they refuse to give me a breakdown of my balance. The original creditor ( Spotloan ) stated today that my balance was {$510.00}. 

How can I get alignment on my balance and confirm the legitimacy of XXXX XXXX XXXX. I plan to cancel my debit card thus blocking their ability to receive any payments until I can confirm the identity of this debt collector. 

Seeking guidance on this confirmation. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

To whom it may concern, In XX/XX/XXXX I refinanced my mortgage on my home for a better rate. This cost a good amount of money up front and I took a great deal of time in selecting the best option and company to purchase this new mortgage from. I eventually came to an agreement with XXXX and received a Good Faith Estimate and moved froward with a refinanced loan I was happy with, though expensive to acquire, it was with XXXX. Around XX/XX/XXXX I was informed my monthly payment was increasing by {$180.00} due to a shortage of escrow. My mortgage has escrow since my home is worth less than I paid for it. The problem with this increase is my taxes and insurance have only decreased over the years, not increased. So why should my monthly payments increase. Actually my taxes did go up, {$3.00} per year, my insurance went down around {$20.00} a year. I 'm thus disputing any changes and request my loan monthly payments to remain as is. 
Thank you, XXXX XXXXXXXXXXXX
Product: Mortgage

Due to covid hardship my mortgage was eligible for a modification. The prior lender ( XXXX ) sold the loan to Loancare before the modification was complete. Loancare was supposed to be working on modification for me but there were problems with them sending me materials at the wrong address. I had a prior CFPB complaint ( XXXX ) and as a result they told me in that response in XX/XX/year> : " Upon review of the account, it appears that DUE TO AN INTERNAL OVERSIGHT, the loan was not reviewed for the correct terms causing additional delays. We have recently obtained a clear title as of XX/XX/year>, as a clear title is required for a loan modification to be completed, and the modified terms are being calculated. Once completed, the documents will be ordered and mailed to your address for you to execute and return. We deeply regret any inconvenience and thank you for your patience while we are diligently working to resolve this matter. '' I have not received those modification documents. Instead I have received a letter that it's been referred for foreclosure. My loan was eligible for the covid-era modification and I desperately want to process that so that I can get current and avoid foreclosure. The lender has not been cooperative or responsive. Please help. Note : My current mailing address is XXXX XXXX XXXX, XXXX WA XXXX. It is not the same as the mortgaged property ( XXXX XXXX XXXX XXXX VA XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided proof to Navy Federal as well as XXXX  that an account is being paid as agreed. It was deleted from my credit report in XXXX. Everything was fine and this month its back again reporting incorrect information. It continues to be a problem with navy federal. I have attached the latest payment Ive made to navy feds outsourced company.
Product: Student loan

I am writing to dispute the information related to a student loan that is currently being reported on my credit report. It has come to my attention that this loan is inaccurately reported, and I strongly believe that it was not authorized by me. The presence of this information on my credit report is significantly harming my financial standing, and I am requesting that it be thoroughly investigated and removed as soon as possible. 

The student loan in question is as follows : U.S. Department of Education Account Number : XXXX
Product: Mortgage

I originally purchased my home with Rocket Mortgage in XXXX. The address is : XXXX XXXX XXXX. 
XXXX, NC XXXX. 

Following several years of ownership, the pandemic began and I had a reduction in earnings. Between XXXX adn XXXX I was advised by Rocket Mortgage to sign XXXX loan modifications disguised as assistance to the mortgage during financial distress. What was not disclosed was that these funds would then in turn need to be repaid while still owing the original amount- doubling the amount due. When selling the home in XXXX this came up with me needing to cover an additional {$43000.00} to the FHA as a second mortgage. I was never disclosed of the way these funds would end up being paid double and this is a clear predatory lending tactic.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card account that is not being reported on my credit profile. It is reporting on XXXX and XXXX, but missing from Equifax.
Product: Credit card

JP Morgan Chase Bank will not allow me to set the cash advance limit for my credit card at {$0.00}. They lowest they say it can be set at is {$100.00}.
Product: Money transfer, virtual currency, or money service

Received an invoice to pay for bicycle repairs through paypal. They use a deceptive user interface to induce account creation while hiding the ability to perform a guest transaction. They subsequently demanded copies of social security and driver 's license to process the credit card payment. I made credit card payment to the vendor through other means. Paypal refuses to " close '' the " account '' without providing social security and driver 's license information even though it was created in error on the same day and has never sent or received any transactions.
Product: Checking or savings account

I had a XXXX Citibank CD that held about {$41000.00} that matured on XX/XX/year>. Citibank had sent me correspondence saying that I had a XXXX grace period after the maturity date to decide what to do with the funds that had been held in the CD, after which point the funds would be rolled over into a new XXXX CD. According to this correspondence from Citi, the last day of the grace period was XX/XX/year>. On XX/XX/XXXX I made a partial withdrawal, then returned to Citibank at XXXX XXXX XXXX in XXXX XXXX, CA on XX/XX/year> to move the remaining funds into a brokerage account, but the representative at Citibank told me that on XX/XX/year> the funds had already been locked into a new XXXX CD with a lower interest rate than the original CD that had matured. They said that my earlier withdrawal from the CD had triggered a rollover before the end of the promised grace period, and they had rolled the funds over without telling me they were doing so. Citibank refused to help me when I told them I had not agreed to have the funds rolled over and pointed out to them that I was still within the grace period. They charged me a $ XXXX penalty to take a withdrawal of {$1000.00} on XX/XX/XXXX, and they refused my request to release the remaining funds funds from the CD without paying a penalty of more than $ XXXX. 

I have now spent several days and many hours on the phone and in the branch arguing with them about this. Their argument was that the original terms stated that a partial withdrawal after the maturity date would trigger a rollover. My argument was and is that ( 1 ) their terms for the first CD do not apply to a rollover with a lower interest rate, particularly if I never agreed to the rollover ; ( 2 ) their correspondence about a 7 day grace period seemed like a revision of the original terms, and ( 3 ) I should have been advised that my funds were being rolled over at the time of the withdrawal and asked whether I agreed to this rollover.

Note that Citibanks site is currently malfunctioning, and because of this I can not access the notice they provided me that advised me that I had a 7 day grace period from April 19 to April 26 to decide to do what to do with the funds from the matured CD. I have tried to get a copy of this notice, but they are also being uncooperative about this. I am still following up and will add this notice to this complaint if Citi decides to cooperate or fix their site. A record of their site 's malfunctioning is attached with screen images.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its clear my consumer rights have been violated after analyzing my consumer report. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consume and the person making the report. To the best of my knowledge, all of my late payments are considered transactions whereas utilization is an experience created by credit usage. The reporting of late payments and/or utilization on the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AND XXXX XXXX - XXXX XXXX  XXXX by XXXX XXXX XXXX, and Equifax are an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never instructed to any of the credit bureaus mentioned earlier to report any activity to my consumer report including late payments/utilization claims. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. By XXXX, XXXX, and Equifax reporting these unfair late payment and utilization claims to my consumer report there has been a direct violation to my privacy. This is is unacceptable.
Product: Checking or savings account

XX/XX/22, Wells Fargo Close my saving account for no reason and with out warning.
Product: Credit card

In XX/XX/XXXX I opened a credit card account with Chase Bank for a Sapphire Reserve card. My credit limit was {$33000.00}. The company increased my limit, without my request to {$36.00}, XXXX in XX/XX/XXXX. I made monthly payments that ranged from {$900.00} - {$4000.00}, in which my monthly minimum was {$400.00} - {$590.00}. In XXXX, XXXX - XXXX I had an avg monthly min payment of {$600.00} and paid an avg. XXXX XXXX monthly. In XXXX I made a {$600.00} payment with {$610.00} min. required. XXXX I did not make a payment with {$1200.00} min. required. In XXXX my credit limit went down to {$21.00}, XXXX. I made a XXXX XXXX monthly payment with {$600.00} min required. In XXXX the credit limit went down to {$20000.00}. I paid {$1000.00} and the min. required was {$580.00}. On a XXXX  month old account, I made one payment {$10.00} less the minimum and missed one payment. I IMMEDIATELY began my normal avg. monthly payments after the missed payment. No matter how much I pay this debt down it will CONTINUE to affect my credit negatively, due to credit card % utilization. I called and asked why is my credit limit continuing to decline and the reason given was due to credit score, which they are continuing to affect. This is a SCAM and illegal.
Product: Debt collection

Upon review of my credit report, it has come to my attention that LVNV Funding LLC has placed a collection on my consumer credit in the amount of {$1100.00} under the account # XXXX, and another in the amount of {$2000.00} under the account # XXXX, without issuing the requisite notice and without notifying me of my right to dispute this alleged debt. I have no knowledge of this alleged debt : Ive neither received nor been provided any services or products by LVNV Funding LLC, nor entered into any contractual agreement with them. I have not been provided any validation information from LVNV Funding LLC, and therefore have not been given a chance to dispute the alleged collection, yet LVNV Funding LLC has placed a collection on my credit report. If notice was sent, please provide a copy of the certified receipts with my signature. I hereby declare my revocation of all communication channels with LVNV Funding LLC, including text messages, emails, and phone calls. I demand all further communications exclusively be written correspondence. 
In line with my rights under the FDCPA, I am formally requesting that LVNV Funding LLC provide a purchase order agreement between them and the alleged original creditor. 
Please provide documentation verifying the existence and validity of the alleged debt, including but not limited to : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Failure to provide this information within the legally mandated time frame will be considered a violation of my rights under the FDCPA.. 
The actions of LVNV Funding LLC shows clear violations of 12 CFR 1006.34 ( d ), 12 CFR 1006.34 ( 4 ) ( i ), 12 CFR 1006.34 ( b ) ( 5 ) and 15 USC 1681-s 2 ( 7 ) ( A ). I am formally demanding a swift deletion of these collections from my credit report, and requesting the CFPB thoroughly investigate and address these infractions. I expect prompt action on your part to address these concerns and adhere to the laws governing debt collection practices in written confirmation
Product: Checking or savings account

Someone called my bank and fraudulently tried to clean out my checking account and and when there wasn't enough they cleaned out my savings and over drew that account. The money never left my checking account and the account was frooze. 6 weeks later i closed my accounts and 1 month after that the bank placed me into collections for my overdrawn savings account that they overdrew! I didn't know about it untill I got turned down for a mortgage.
Product: Credit reporting or other personal consumer reports

I attempted to remove all aliases off of my credit report because some of my dad information is getting mixed with my own. I only need one name on my Experian, XXXX, and XXXX score. My ID have been shown and all of my ID 's including my old ones have XXXX at the end of it. When I attempted to remove they said XXXX of my dad vehicles is on my credit. I contacted the dealer to remove me off of the information and they attempted to update the information to XXXX but misspelled it even though I informed them that was not my vehicle.
Product: Money transfer, virtual currency, or money service

On or about 4 weeks ago PayPal suspended my two business accounts, one under XXXX XXXX, the other under XXXX XXXX XXXX With no notice or opportunity to correct anything, they just froze my accounts and I can not send money receive money, conduct my web business or anything. I have had customer complaints and have had to try to do work-around in order to stay in business. Covid has hit us hard as well and to have this on top of our financial challenges is rough. I have tried to get a XXXX on the phone to resolve the situation with no success. I can not get a detailed explanation of what policies I am not in compliance with. They have around {$5000.00} tied up for 6 months because they say that is their policy. We sell XXXX   XXXX  and XXXX XXXX  with XXXX XXXX and we sell XXXX  XXXX  products with XXXX XXXX XXXX All our products are legal. We do not make any excessive medical claims. I would be happy if PayPal would just close my two accounts, send our money to us and we will find another merchant banking solution. Would you please help us resolve this as soon as possible. 
Sincerely, XXXX XXXX
Product: Credit reporting 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 : XXXX : Account Name : XXXX Account Name : XXXX XXXX : Account Name : XXXX Account Name : XXXX : Account Name : XXXX Account Name : XXXX : Account Name : XXXX Account Name : XXXX  : Account Name : XXXX Account Name : XXXX : Account Name : XXXX Account Name : XXXX : Account Name : XXXX Account Name XXXX XXXX XXXXXXXX : Account Name : XXXX Account Name : XXXX : Account Name : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

i am having trouble with my mortgage and my equity loan with BOA. They converted my mortgage with my equity loan and still charge me separate for an equity loan that I know nothing about it I tried to call them on several occasion trying to clarify this issue I ca n't get any answer from the loan officer or mortgage manager Now BOA is trying to foreclose my house or ask ask me to do a short sale on m, y house while I am still paying my mortgage. every month
Product: Payday loan, title loan, or personal loan

We bank with VyStar Credit Union and someone has hacked into my account over 30 times since their move to new platform, moved money within accounts in amounts of {$1000.00} or more including a business account and set up payments through their new billpay to have money routed elsewhere. Identity theft and fraudulent payments. I've spent the last 10 days at the bank every day having these issues shut down because their fraud department was not catching. Additionally, my identity was stolen and fraudulent credit cards were in the process of being opened by fraud in my name we had to shut down ( luckily caught before they were issued ). We had to have all access to our accounts cut off from any electronic access whatsoever to end this. After 32 years of banking with VyStar, they have allowed my information to be compromised and I've had to freeze my credit, and remove my money and go to another institution in addition to doing everything to stop any fraud and fradulent accounts from being opened across the country. Their unproven new banking platform is an absolute nightmare and they can not protect your money, your accounts can easily be reset by anyone if they managed to get in and steal your social. Beware if you are banking with VyStar.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash app ( block, Inc. ) due to inadequate customer service and unfair practices, which violate the customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on the 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 Transaction Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

Want to have acct unblocked to use for external accounts
Product: Credit reporting or other personal consumer reports

I just reviewed my credit reports and it shows inaccurate and unauthorized account. 

Please see the copy of my dispute letter that were already sent to the involved Bureaus.
Product: Credit reporting or other personal consumer reports

I found unauthorized inquiries on my credit report this morning, and I don't know why they're there. While checking my credit report as usual, I discovered discrepancies that appeared out of nowhere. I refreshed my browser to see if it was just a glitch, but the unauthorized inquiries were still there. Because of this, I am asking for a thorough review of the documents I sent to ensure this issue is resolved permanently.