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

I sent a deposit to a business via Paypal. During the transfer request Paypal shows a message that " Business will get XXXX ''. However, the business sent me a copy of the transaction and Paypal is charging them a fee. They get less than the promised amount. 

I confirmed that this is not due to any fluctuation in the currency exchange rate.
Product: Checking or savings account

I have been a Bank of America client for XXXX yrs. At the end of XX/XX/XXXX fraudulent withdrawals began to occur from my five linked accounts. First noticed in XX/XX/XXXX, filed first claim in XXXX and the first money given back, {$20000.00}. I was told in XXXX that it would be given back to me in 45 days, XXXX and a half months later in XXXX I received a check, for {$20000.00}. We have filed a total of $ XXXX in claims with the bank. I received a letter stating that in addition to the initial payment of XXXX they have another {$47000.00} of which I have been paid only {$9700.00} ( 20 % ) of the {$47000.00}. The other {$70000.00}, although we filed these claims, the bank has not even mentioned those filed fraud charges. Both myself and my assistant from the bank realize the bank is stalling. We also can not get the information from an account which we closed. The bank is dragging their feet and I did not who to turn to. Please help me. 
Thank you in advance, XXXX XXXX XXXX XXXX XXXX XXXXXXXX P.S I am trying to leave completely from B of A. I have moved to another bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

a Company call XXXX showed up on my consumer credit report on XX/XX/2017 as " XXXX XXXX ''. Their address is XXXX XXXX XXXX XXXX XXXX, NJ XXXX phone number, ( XXXX ) XXXX. I NEVER applied for XXXX XXXX from this company, never.
Product: Debt collection

Upon reviewing my credit report, I have identified inaccuracies related to this account. I wish to bring to your attention that the bank, XXXX XXXX, has acknowledged an error in recording the payment for this account. They have agreed to update and remove the late payment dates and negative status associated with it. I kindly request your prompt attention to this matter and ask that you initiate an investigation into the reported inaccuracies. It is crucial to reflect the corrected information on my credit report to ensure its accuracy and completeness. I have attached documentation from XXXX XXXX  confirming their acknowledgment of the error and their commitment to updating the account information accordingly. Account : XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/2019 Balance : {$140.00}. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( XXXX ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Debt collection

This company has charged off this account and has collected on this debt as a write off and this account should not be on my credit report.
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXXXXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated. You have violated my consumer rights and violated federal law. I have attempted to bring this issue to light on multiple occasions as I have attempted to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Debt collection

I am not liable for this debt with XXXX XXXX  XXXX XXXX and I do not have a contract with PRO DEBT plus they did not provide me with the original application like I asked. 
Account No : XXXX Amount Disputed : {$1100.00}
Product: Mortgage

I am sending you my XXXX  review because there seems to be a very cold shoulder towards hard working American people. 
XXXX XXXX XXXX XXXX If I could give a XXXX I would. This company ( SPS ) has had bath faith practices with regards to the mortgage for over 10 years. 26 years my family has owned this house ( XXXX, XXXX ) XXXX, FL. They sold and bought my house at the foreclosure auction back on XX/XX/XXXX. They never allowed us the chance to refinance the mortgage ( since XXXX in XXXX ). They proceeded to not try to help, as much as they say " you have options '', they just want the full payment or they will foreclose, THAT'S IT! Their lawyers lied and got caught in court by XXXX XXXX in the XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XX/XX/XXXX. Fast forward SPS now has the title as of XX/XX/XXXX. They are forcing me and my family into the street. I requested additional time to move and they ( SPS REO Dept. and their lawyers XXXX XXXX XXXX XXXX XXXX XXXX ) have resorted to aggressive bullying tactics. I have stated to them I have no problem leaving the property, just give me an additional 14 days to the date you selected. They are trying to play hard ball for no reason. I have children I need to find a new home for, children who were born and raised in this house. All of the information presented here is true and public therefore should not be redacted. Select Portfolio Servicing are thieves and bully 's that use bad faith practices to take homeowners property. I pray no one has to go through the devastation and pain that my family is going through with this company. God bless America, where the American dream is DEAD. 

I would greatly appreciate a response as I have done all I can do ( except XXXX, which I have all right to do ). 

Thank you for your time. 

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

I am writing to request a review of the situation involving my PayPal account. I had my account unexpectedly and permanently blocked. I had responded to all the required information by PayPal and followed all of their rules and regulations as I had agreed to when I signed up. Despite this, they have frozen my funds for 180 days and canceled my account. I am familiar with the importance of timely reviews to maintain PayPal 's status as a secure platform for customers and merchants. I have done nothing wrong and have not engaged in unethical behavior. I am a website designer and use PayPal to collect payments from clients for the work I do on their websites. I would appreciate if PayPal did another investigation and restored access to my account. My PayPal address is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have paid First bank of omaha over {$1700.00} over a month and a half ago on XX/XX/21 paying off the balance and they have not reported the drop in balance keeping my credit score lower than it should, i paid, on the same date XX/XX/21 i paid over {$2000.00} dollars on XXXX XXXX XXXX and they also refuse to report the drop in balance keeping my credit score lower then in should be, i also paid off every balance on all 4 XXXX XXXXXXXX credit cards includeing XXXX XXXXXXXX and they have refused to report the drop in balance, also on XXXX XXXXXXXX XXXX payed balance in full and NO REPORT in balance drop ALL these cards in question have reported according to XXXX  and XXXX XXXX and all show balance when there are none! ... .i have contacted them all on 2 occasions each with no update with accurate account balances keeping my credit score low ... and you should note i am XXXX XXXX and feel i am being XXXX against to deliberatly keep my credit lower then it should be ... i hsvnt missed or had a late payment on ANYTHING in over 5 years ... .please help me
Product: Mortgage

The day after my mortgage payment was do in XXXX my mortgage company started calling and harassing me on a daily basis. At least 6 times a day and I would hang up the phone with XXXX and another would call and a rep for mortgage co. told me if I want them to quit then pay my bills. They call late at night and on weekends. I called XXXX XXXX to pay XXXX mortgage payments in full and they refused to accept them, as they stated they wanted all XXXX. Which my payments are do the first and I was well with in my grace period. I was told not to fill out the hardship package because it would not do any good, Ive owned my house only 10 months not a year. I lost my XXXX job a month after I closed on my house and explained this to them over and over.
Product: Debt collection

Re : Portfolio Recovery Associates LLC Acct # : XXXX Dear Sir/Madam : I want to make a formal complaint. I have filed several disputes with Portfolio Recovery Associates , LLC. They had failed to validate an account under the Federal Debt Credit Practice Act. Portfolio Recovery Associates , LLC. failed to delete the inaccurate information between myself and Portfolio Recovery Associates , LLC. due to non-compliance. 
The Federal Debt Credit Practice Act specifically states : 15 USC 1692g ( b ) DISPUTED DEBTS If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 
The Federal Credit Reporting Act specifically states : 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) 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 It appears that Portfolio Recovery Associate LLC have a constant habit of non-compliance of not validation my alleged account, not replying to my dispute and reporting inaccurate information. 
I see you recently filed a complaint with Virginia XXXX XXXX against Portfolio Recovery Associates for their illegal debt collection and credit reporting violations. 
Case # XXXX Portfolio Recovery Associates , LLC XXXX reporting such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
This inaccurate reporting has damaged my livelihood. 
According to the law-the Federal Credit Reporting Act a consumer reporting agency must report maximum possible accurate information. 

This is a violation of the Federal Debt Credit Practice Act and Fair Credit Reporting Act by Portfolio Recovery Associates , LLC. I demand that this information be deleted from my consumer reports. 

Original Creditor : XXXX  XXXX Account # XXXX Thank You, XXXX XXXX
Product: Vehicle loan or lease

I purchased XXXX XXXX XXXX at XXXX XXXX in XXXX FL thru XXXX XXXX, on XX/XX/XXXX I sold vehicle to XXXX and per their investigation check to Nissan was cashed on XX/XX/XXXX. 
Up to today Nissan is showing that I owe money on the car and still on my credit report. I have spoken almost every day since last week to have them correct this. XXXX sent copy of check including check number and amount paid. 
All Nissan is telling me that they need to investigate where check is when it shows it was already deposited.
Product: Mortgage

I believe I should have been included in the Wells fargo settlement for high interest rates and denial of loan modification. However when I reached out to wells fargo via email they requested a claim form that I never recieved. My understanding is that there was no action to be taken on my part and the bank should have notified me. They did not! and when I inquired if I was entitled they asked if I submitted a claim form? I never received any information from them. Thy states via email they were not able to locate a record of a claim in my name. XXXX XXXX XXXX, XXXX # XXXX, former address property address : XXXX XXXX XXXX. XXXX XXXX XXXX phone # XXXX. Please assist if you can. Thank you
Product: Mortgage

Im filing a complaint regarding ongoing issues with Shellpoint Mortgage Servicing related to the recast of my mortgage account managed by their service. Despite numerous communications and explicit assurances from various representatives of Shellpoint Mortgage, the lack of definitive action and clear communication from their end is unacceptable. 

On XX/XX/2024, at approximately XXXX XXXX, I was promised a recast information packet via mail after contacting their direct message department and speaking to a customer service representative. This packet never arrived. Subsequent communications on XX/XX/XXXX and XXXX XXXX, XXXX, reassured me of the mail-out of necessary information, which I also never received. Despite these setbacks, I proceeded with the instructions given over a phone call on XX/XX/2024, to wire an amount exceeding 5 % of my mortgage balance to initiate the recast. 

Following the confirmation of receipt of the wired funds of {$830000.00} on XX/XX/2024, and XX/XX/2024 by calling customer service I was once again promised a form by mail to finalize the recast process within 7 days. This promise, like the others, was unmet. On XX/XX/2024, I was informed by calling customer service to pay a {$250.00} recast fee, which I paid over the phone and was told would be resolved in 24 hours and that my complaint was escalated. 

The most troubling communication occurred on XX/XX/2024, when contradictory information was provided by their staff, I was told I would receive an email within and hour and that my recast would be posted in four days. I never received and called back a few hours later and was told that was impossible and that my recast request had not been processed due to an investor approval requirementa detail that was never mentioned in our previous interactions. Furthermore, I called back on XX/XX/XXXX and it was revealed that the {$250.00} fee had mistakenly been applied to my mortgage principal instead of the recast fee. I was then informed that my recast can not be under review until I sign necessary paperwork that they are still withholding and that approval can take more than 60 days. 

The continual misinformation, misallocation of funds, and Shellpoints inability to provide consistent and accurate updates have not only caused significant inconvenience but also financial disadvantage, as I am currently incurring high interest costs unnecessarily. As of today, I have invested {>= $1,000,000} in payments without seeing any progress or proper management of my recast request.
Product: Credit reporting or other personal consumer reports

These inquiries are not authorized by me, and I have no ties to the listed creditors.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Debt collection

After I went to XXXX XXXX XX/XX/XXXX I realized I had made a huge mistake, so on XX/XX/XXXX I called their corporate office in XXXX XXXX to cancel my membership. The person I spoke to said they understood and verified that they canceled my membership. 
The contract was with Patient-Fi. 
About 3 months later Patient-Fi is asking for a payment. I called Patient-Fi and they told me that they had paid XXXX XXXX {$4800.00}, and I would need to have XXXX XXXX return the money to them. 
I've called XXXX XXXX about a dozen times from XXXX until XXXX of XXXX. I have gone into their local place of business twice to speak to " XXXX ''. XXXX is the manager and their high pressured sales shark. After speaking with the staff at XXXX XXXX, I'm told I must talk to XXXX, but he doesn't return the calls. The staff has repeatedly assured me that they will give XXXX my messages, but he does not respond back. 
My credit score dropped by XXXX points in XXXX due to late payments. XXXX XXXX ( Patient-Fi ) is the only account that I am in the rears with. As added injury XXXX XXXX ( my emergency card ) sent me a letter dismissing me of their services due to late payments and derogatory reports on my credit. 
I take my credit seriously, and have always stuck to a strict, disciplined, budget to pay my bills. 
I made a mistake, and fell victim to pedatory, high pressured, sales tactics, and soon tried to take corrective action. I have exhausted efforts of trying to make contact with XXXX XXXX. They just don't respond back to me, and it is ruining my credit.
Product: Debt collection

XX/XX/XXXX Collection Agency and Original Creditor was contacted and asked to remove the false information they were reporting on the ( 3 ) credit reporting agencies.

XX/XX/XXXX Collection Agency and Original Creditor responded with an ooutdated payment stub with incorrect account information ( original creditor is falsely reporting payments made and amount of total debt owed and changed the terms of contract after credit was issued from zero percent interest/zero APR for 24 months ( signed in doctors office XXXX XXXX ) / also violated the Truth in Lending Act by changing the terms of agreements without notice and acquiring a signed document to agree to financial changes ). which is also in violation of the Fair Credit Billing Act for disclosing the incorrect amount ( {$11000.00} ) and by failing to post the payments they received in good faith of clearing the debt. ( I can provide proof of payments made XXXX ) In violation of the Fair Debt Collection Practice Act Section 807 ( 8 ) Collection Agency extended a payoff agreement of 10 % of balance on a Collection Account- after they received ( {$1300.00} ) more than 10 %, months later they left threatening voice messages and filed a case in small claims court to sue for incorrect amount of debt. I was never served papers or received any correspondence to appeal in court. 

Collection Agency is also in violation of the Fair Credit Reporting Act Section 623 ( a ) ( 3 ) they did not provide proof bearing my signature for the debt in question nor did Collection Agency provide a Dispute statement to the credit reporting agencies during this inquiry for validation of debt.

Collection Agency and Original Creditor is being defiant in a personal manner by continuing to show negligent enablement of identity fraud and defamation of character.
Product: Credit card or prepaid card

I have a Chase Sapphire Reserve Credit Card. The aforementioned card has a trip cancellation benefit that I filed a claim for two separate vacations which were cancelled due to military orders. I supplied the lengthy amount of documentation that was required, followed up several times and was eventually denied both claims. Eclaimsline stated they were denied because I was " afraid to travel due to COVID-19. That is not that case. The military has ordered me to my locality, I am not authorized to travel beyond two hours from my residence while the military order is in effect. I'm paying an annual fee of {$550.00} for this benefit and the company has made every excuse possible and/or losing paperwork to deny my claim.
Product: Vehicle loan or lease

I purchased my vehicle XX/XX/XXXX at XXXX XXXX I was told by the sales guy that after a year I would be able to trade my vehicle in if I paid my payments on time in which I have never missed a payment. I decided to go to XXXX XXXX XX/XX/XXXX to trade my current vehicle in for a new car. The sales guy told me that the person that sold me the car was just saying that and its not completely true. I have been paying my car note on time with no issues at all and was denied as they told me car is too low which is not true. This program the Fresh Start Program is  misleading and takes affect on me as the XXXX XXXX has ran my credit to basically waste my time. Not only does this steer me away from doing future business with XXXX XXXX but this takes affect on my credit as well. I was even told by the agent that after a year XXXX XXXX was to transfer my loan to actual bank since I have paid on time and none of this has been done. XXXX XXXX really scammed me into something that I am stuck in and wasted my time as well. Coming from an on time paying customer
Product: Credit reporting or other personal consumer reports

I need your help with this false account showing up on my credit report. Its impacting my reputation, and I depend on your assistance to resolve this. Due to your errors, my credit standing has been severely affected. You have to correct the wrong details on my report.