23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX payment was made via mail. Two checks were written, one in the amount of {$680.00} and the other in the amount of {$690.00}. Mid XXXX a letter was received that the amount had not been paid. I called customer service and was told that by not having the amounts in one single check, it makes the payment non compliant & they have difficulty applying payment. This has happened since my very first payment with this company, where they will receive the payments on time, & in full, but return the checks in the mail and claim that payment is late. They then claimed one of the checks had bounced and wanted a screenshot of the bank balance to show proof there was enough money to cover payment. The bank was contacted who recommended the one check in the amount of {$680.00} have a stop payment placed because they were concerned the company was acting fraudulently. The company kept the {$690.00} check and then issued a check of their own in the amount of {$670.00} dated XX/XX/XXXX. I will not cash their check as it wasnt the correct amount & due to the bank having stopped the payment for the {$680.00}. A separate check had to be mailed back to them due to this. XXXX payment was made online via their payment portal on XX/XX/XXXX and was applied on XX/XX/XXXX. I received a letter in the mail today, XX/XX/XXXX, stating that as of their statement date of XX/XX/XXXX, XXXX payment had not been made. Payments have been mailed in & then returned via mail by company several times. The company then states the payment is either late or missing when in fact, they were paid on time, but because it was paid with 2 checks equalling the mortgage amount and not one single check, they returned the payment. These payment are always made together and not separately. They reported a missing payment for the months of XXXX & XXXX on XX/XX/XXXX which were untrue. This incorrect reporting has caused my credit to be impacted by almost XXXX points. I called today, XX/XX/XXXX, to dispute the missing payments and operator XXXX stated she seen where the payments were made and said she made a note in the account that the payments were made. I have been given the constant run around with the mortgage company who can not, or do not want to, do their job and process mortgage payments and seem very malicious and predatory. I have additional photos for clarification if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander was ordered by the court to remove the loans from consumer credit reports due to a class action law suit.
Product: Debt collection

I received a call from Dynamic Recovery Solutions. The companys URL is XXXX XXXX XXXX and their phone number is XXXX XXXX XXXX XXXX. I dont have any hospital, collections, or past due student debt. Can you help with this?
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1300.00} 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, states a consumer reporting agency can not furnish an 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 and crimes which antedates the report by 7 years.

15 U.S.C. 1681 s-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
Product: Money transfers

I received the following email from PayPal ... .. 
PayPal Hello XXXX XXXX : We 're emailing you because of a legal settlement between PayPal and the Consumer Financial Protection Bureau, a federal government agency that enforces laws that protect consumers. Under this settlement, you are entitled to a refund of {$4.00} related to your PayPal Credit account. On XXXX/XXXX/16 we credited this amount to your PayPal Account, plus an additional {$1.00} to cover any fee should you elect to withdraw this refund amount from your PayPal account via check. 

If you have any questions regarding the refund please contact PayPal Customer Service at XXXX from XXXX XXXX to XXXX XXXX XXXX XXXX Monday through Friday, or from XXXX XXXX to XXXX XXXX XXXX Time Saturday and Sunday. 

You can learn more about the Consumer Financial Protection Bureau at http : //www.consumerfinance.gov. You can also see a copy of the settlement agreement PayPal entered into on the Bureau 's website at http : XXXX. 
========================================================== The way I read it, I should get {$4.00} plus {$1.00} for a total of {$6.00}. 
What I received was {$3.00} plus {$1.00} for a total of {$4.00}. 
Is this in error? Did I read it wrong? Did they print it wrong? 
No biggie for me ... but, what about those who spent thousands???
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a Follow up to my complaint last XX/XX/XXXX, XXXXto update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX  Balance : {$10000.00}
Product: Credit reporting or other personal consumer reports

I recently became a victim of identity theft due to a crime being committed using my identifying information. Transactions were made without my consent or knowledge which caused my identity and credit standing to be compromised. The account that is the result of identity theft is XXXX XXXX XXXXXXXX. I am seeking remedy and giving notice to XXXX XXXX, XXXX, and Experian to do what is fair and equitable to me by blocking, deleting, and removing the entire account and its details from my credit report.
Product: Debt collection

XXXX XXXX XXXX XXXXXXXX has violated multiple consumer rights and privacy rights, caused injury tangible and intangible. On XX/XX/XXXX a debt validation letter regarding XXXX # XXXX in the amount of {$790.00}, was sent to XXXX XXXX XXXX XXXXXXXX, around or on XX/XX/XXXX received the letter and mailed back a statement dated XX/XX/XXXX stating theyre unable to perform an investigation. XXXX XXXX XXXX XXXXXXXX are acting in dishonor and theyve damaged my credit and has not provided proof of validation and reported to the major agencies i.e Experian, XXXX, and XXXX, possibly XXXX. they have not provided notice of this alleged debt, nor provide proper disclosure to post transactions on my report.According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 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. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 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. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 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 XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681a ( 2 ) states '' ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; they XXXX XXXX XXXX XXXXXXXX do not have permission nor have the standing to attempt to collect on this alleged debt.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding. 
the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. Method of verification should include names of the individuals that were spoken to along with contact numbers which was not provided. EQUIFAX did not provide said information, therefore disputed accounts must be deleted. disputed accounts are attached below. 

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

On XX/XX/2020 I mailed a XXXX dispute to Experian that had supporting documentation proving the collections that they inaccurately and illegally placed on my credit report were unverified and not valid. On XX/XX/2020, using tracking with this USPS, my documents and dispute were delivered to Experian. After realizing that my disputes were not being processed ( didnt get a notification from through their app, which I always do ), I called on XX/XX/2020 to verify if they received the documents. I spoke to a Representative whose name is XXXX, he stated that Experian received the documents on XX/XX/2020 but they are not being processed. I asked why werent they being processed and he could not give me an answer. I then asked to speak with a supervisor. The next person I spoke with, assuming it was supervisor because XXXX placed me hold after I requested to speak with one, also stated that my dispute and attached documents were received on XX/XX/2020 but were not being processed. He then stated that Experian has 3-5 business days to process disputes. I mentioned that the 5th business day would have been XX/XX/2020 and asked why wasnt my dispute being processed. He then told me that was in their mail processing department. I asked when would my disputes be processed and he stated he has no control mail processing. Now, on XX/XX/2020, I called Experian again, this time speaking with a representative named XXXX about my disputes. XXXX then put my on hold to check the status of the disputes. She then arrived back to the phone and stated that Experian does not have the dispute. I then told her about my conversations yesterday with other representatives to which she stated I dont understand why they would tell you that because we have not received any documentation from you. I then asked if those representatives ( the rep and the supervisor ) were giving me the runaround then which she stated yes. XXXX then confirmed that Experian never had my XXXX dispute and that the previous representatives I spoke with LIED to me. I know my dispute was delivered because I have tracking. Also, I know Experian records all conversations so my complaint will be validated. Experian is refusing to investigate my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, i was looking through my credit report again couple of hours ago, and notice items that i been going back and forth with the 3 credit bureaus since XX/XX/2017 and they yet to get them resolved. I've called, mailed several letters and asked for update and they haven't updated those items. There are several accounts listed with multiple inaccuracies and it's a total violations to the state and federal laws. 

XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX  XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report.
Product: Vehicle loan or lease

On XX/XX/XXXX I was denied credit from this finance company called ally financial I tried to finance it through XXXX of XXXX I would like to impose that adverse action has occured after the denial of credit also they're in violation of 15 USC 1681b & 12 CFR 1002.7 as a creditor shall not refuse to grant an individual account to a credit worthy applicant on any other prohibited basis which means even if I have a low credit score no matter the circumstance I shall not be denied credit they're also in violation of 12 CFR part 1002 Equal credit opportunity act ( regulation b )
Product: Checking or savings account

I opened an account with {$6000.00} XXXX tried to make an online account when I received my debit card in the mail It said to verify with XXXX time verification code via my text Text never came ( maybe because my phone bill is under my husband? ) They locked the account I tried calling multiple times, countless hours but they would not let me access. 

I just want to close the account at this moment, and the balance mailed back to me
Product: Vehicle loan or lease

I financed a car loan with Automobile Acceptance for a XXXX XXXX XXXX .payments we re {$170.00} bi weekly for 58 months and CPI {$38.00} .during that time I was never late with car payments missed a few CPI during the duration but not many. The car stopped running almost the end of XXXX of XXXX I asked that they remove the CPI they refused stated i need to purchase FULL COVERAGE I refused to pay full coverage for a 10 year old broken down car..On XX/XX/XXXX I made my last payment over the phone which I was told would be {$170.00}. a month later they started contacting me saying I owed {$610.00} .I asked for what they really couldnt explain how .I asked them to foward me documents explaining how could I owe this .I received a letter end of XXXX saying it was for CPI payments from XX/XX/XXXX. I pulled out my bank statements because I knew for a fact that I never missed that many payments ..For this reason they are refusing to give me a title. I have a peace of junk in my drive way I cant get rid of without a title.They have also tarnished my good credit by adding this payment on my credit report. Please help
Product: Student loan

My employer directed several XXXX dollars towards my XXXX loans held by MOHELA as a retention incentive. My employer intended this sum to be disbursed evenly across my upcoming monthly payments as pay ahead, but MOHELA erroneously applied the amount in bulk to the principle. I have called MOHELA approximately 8 times since XX/XX/2023 attempting to get this problem resolved. Each time, I spend between XXXX and XXXX hours on hold and when I eventually reach customer service, I am assured the issue will be resolved within 3 to 5 business days. It has been 2 months and the problem is not resolved. In the meantime, MOHELA continues to attempt to charge me monthly payments I do not owe, and will report my delinquency to credit agencies within 90 days. I have no further recourse on resolving this issue, as I have been making good faith attempts with customer service for 2 months now, and I can not afford to make payments I do not owe or have my credit score impacted negatively.
Product: Debt collection

On XX/XX/2018, it was brought to my attention that someone had committed a fraudulent act on my identity. I received a collection notice from XXXX XXXX XXXX XXXX XXXX XXXX, where I have been informed that I have a {$520.00} delinquent debt. I called and inquired with this collection agency the reason for the debt. They told me that the delinquent account had originated from XXXX XXXX for a bed mattress that been purchased from XXXX XXXX, a company out of XXXX, Maryland. 

I explained to the collection agency, that I had never heard or purchased anything from this company. Additionally, I informed them that I had never received a bill advising me of the outstanding debt. I then contacted XXXX XXXX XXXX representative and they spoke with the manager concerning who opened an account with my data. They explained to me that for someone to be eligible for a leasing contract of the approval purchases any mattress ; the customer only required they provide two forms of identification. I am assuming that a person who used my identity was able to get a leasing contract approved fraudulently with XXXX company. 

I would like to file a complaint and request action to have this matter resolved. I am not responsible for the debt that was made and am willing to go to trial to show that I am not the person who opened the account.
Product: Mortgage

I want to add this Motion of information I filed in Federal Bankruptcy Court to the following case # 's already in progress ... 

XXXX and XXXX for XXXX and JP Morgan Chase NA.
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX - Requested on XX/XX/23 XXXXXXXX XXXX XXXX Requested on XX/XX/23 XXXX XXXX XXXXXXXX - Requested on XX/XX/23 XXXX Requested on XX/XX/XXXX XXXX XXXX Requested On XX/XX/23 XXXX XXXX XXXX  Requested on XX/XX/23 XXXX XXXX Requested On XX/XX/23 XXXX Bank requested on XX/XX/23 XXXX XXXX  Requested on XX/XX/23 XXXXXXXX XXXX  Requested on XX/XX/23
Product: Mortgage

We have a mortgage on our primary residence with BofA that is delinquent. During the last 2 years we have been caring for by a son with XXXX XXXX XXXX who has needed our assistance, we are his only family. We are retired, my husband is XXXX and I am XXXX. We have a small business that we had to neglect to help him out. We were also unable to file our XXXX taxes but did get an extension. His surgeries and treatments have been expensive and time consuming. To save our home we sought and were approved for a reverse mortgage that fell short of the balance owed BofA. We have enough money to bring to closing to cover the principle but not the accrued interest or penalties. We have asked BofA to accept this. It is not dissimilar to what a home owner would request of a mortgage modification or short sale. After XXXX other complaints with CFPB they told us that they could help us. We were asked to provide all of the HAMP documentation which we have completed. Yesterday we were informed that they could not consider our case because we did not file a tax return for XXXX. I did some research and found via the HAMP website that is accessible by the servicers that in their FAQs that we are eligible for a modification even if we do not have a tax return for that year as long as we sign and send a Form 4506-T which we have done. I have also found in the HAMP Supplemental Directive XXXX that if tax returns are not available that other means of determining income verification can be pay stubs or bank statements. I have attached those references. We have provided 3 months of bank statements with income deposits indicated for our business, pensions and social security payments. We have provided a detailed P & L for XXXX, YTD XXXX and a pro forma for the remaining months of XXXX. We began this process in XXXX and have very little time before the reverse mortgage will expire. We informed BofA of this but it really feels like they are dragging their feet. We make daily and sometimes multiple calls per day and it has been typically 24 to 36 hours to get a response. We have talked or left messages with supervisors and supervisor 's supervisors and now are told that they will not consider our case. This seems like an inappropriate conclusion made by BofA and it feels like since we have equity in our home that it they do n't need to help us out because when they foreclose they will be made whole. It also seems inappropriate that assistance is offered to every other kind of situation but no assistance is available to us. We have demonstrated the ability to qualify for a reverse mortgage and can cover the principle balance. Their reason for refusing to consider our request appears to us to be incorrect. Can you help us or direct us to someone who can. We have about 10 days to get this done.
Product: Debt collection

my information was sold and brought illegally because I was a victim of the XXXX data breach. I want these items removed and deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. please help me delete these illegal accounts from my credit reports. 
lvnv funding llc XXXX XXXX XXXX XXXXXXXX XXXX XXXX