23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

On XX/XX/ I contacted Ally because I had been sick for quite some time but I still managed to pay my bill even if it was a couple of weeks late. I asked them for a deferment. I was first told that they didn't offer deferments per their rep XXXX. Then when I pressed the issue, she said that they called it something else. She then gave me a big amount to pay just so that the next payment could be decreased. I asked how that would help me? Then she said that she was sending it up and allow XXXX business days for the paperwork to be mailed out. I contacted Ally today because my next payment is rapidly approaching and it will reflect negatively on my credit. I haven't received any correspondence through the mail. I was told by another rep XXXX XXXX XXXX today that they sent the paperwork via messages on their site and because I didn't login to check my messages it expired and that I would have to reapply and that I had very little deferments that could be taken on the account because I allowed the other one to expire. He also stated that it could be denied.

I didn't allow anything because their rep told me that it would arrive by mail within XXXX business days. I didn't receive any emails from them saying that there was a message in the portal or anything. I am not a mind reader. I'm still being charged very large late fees due to their miscommunication
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act. The list of accounts below has violated my protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX violated my privacy rights XXXX US DEPT. OF EDUCATIONXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXXXX 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 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  XX/XX/XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of these consumers ave violated my right to privacy 15 U.S.C 1681 SECTION 602 A States I have the right to privacy.

15 U.S.C SECTION 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Money transfers

I was owed money, and the person who needed to pay me offered to do so via PayPal. After looking at PayPal 's website, which promised, " Send friends, family, or customers your personal PayPal.Me link wherever you talk to them - text, email, or post. They click the link and enter the amount - no cash, no checks, no awkwardness. '' It promised fast, easy transfer. What it did n't say was that the funds would be held by PayPal for 21 days. Had I known that PayPal would sit on the money for XXXX WEEKS I would have asked for a check or cash. PayPal gives the sender the impression that money was delivered right away, and nothing could be a bigger lie.
Product: Money transfer, virtual currency, or money service

Hello XXXX XXXX, my PayPal account can not be linked to the bank, and I have contacted PayPal customer service for many times and the problem has not been resolved. I want to withdraw my own money. This incident has caused a lot of trouble to my life, please help me
Product: Debt collection

I was alerted by XXXX XXXX and XXXX that a large debt in collections was placed on my credit file. The company is called XXXX XXXX XXXX. The debt was opened XX/XX/24, for {$5000.00}, and the account associated with it is XXXX. 

I have no knowledge of this account. I did not open any credit or borrow any money from anyone or business. This is complete fraud and identity theft. It has ruined my credit score. I have been advised to report it immediately to XXXX. Please help me remove this fraudulent item from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/23 - I attempted to cash a check at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Amount of check was {$55.00}. Certegy Payment Solutions LLC, contracted by XXXX issued a decline recommendation, so the check was rejected. 

I was provided with a cash register printout which stated, in part : " ... Certegy did not make the decision to take the adverse action and is unable to tell you the specific reasons why the adverse action was taken by us. Under the Fair Credit Reporting Act, you have the right to obtain a free copy of your information held in Certegy 's file, if you request it no later than 60 days after you receve this notice. ... '' I immediately contacted Certegy at the phone no provided ( XXXX ) and made a formal request for a copy of the information held in Certegy 's file. I was told the information could only be provided in writing. I made the request. On XX/XX/23 I received written correspondence from Certegy and the only information they provided was that the transaction did not meet the acceptance guidelines which can vary by store and transaction. There was nothing that applied specifically to me, the check or the transaction. 

I then called Certegy at the phone no on the letter ( XXXX ) and was placed in touch with XXXX. I tried to get more specific information but she could not tell me anything other than " it didn't meet the acceptance guidelines '' but refused to tell me what were the guidelines, or how my transaction failed to meet the guidelines. All she could tell me was that there was no adverse information about me in their files, but would not provide me with a copy of my information held in Certegy 's file. She told me the guielines were XXXX 's. I asked her how could Certegy make a decline recommendation if they don't know XXXX 's guidelines. She replied with a programmed response that my check didn't meet the acceptance guidelines. She suggested I try to cash the check again. 

Today ( XX/XX/23 ) I returned to XXXX XXXX # XXXX, attempted to cash the check again, and received the same rejection. The manger at XXXX couldn't give me a reason for the rejection and informed me that the decision was Certegy 's. 

I feel that I should be entitled to a reason that my check was rejected, so that I know whether I've been scammed, am the victim of identity theft, or will be able to write checks on that account in the future. I do not believe that the information provided by Certegy was a complete copy of my information held in Certegy 's file, as I requested and is required under the Fair Credit Reporting Act.
Product: Mortgage

in the previous complaint, SPServicing and XXXX XXXX lied to CFPB and the consumer. 
they claim : " Insurance Claim - In your inquiries, you stated that the adjusters worksheet for the wind damage was not being accepted by SPS. In review of our records, the adjusters worksheet for wind damage funds in the amount of {$18000.00} was received and accepted on XX/XX/XXXX. '' my response : SPServicing is flat out lying!! I submitted the adjuster 's worksheet for the wind damage on XX/XX/XXXX!! I have proof of that!! Let me know if CFPB would like to see my proof!! it comes from their own website!! Management of SPS and XXXX XXXX is flat out lying!! see attached PDF file!! I submitted the adjuster 's worksheet on XX/XX/XXXX!!! 

They Claim : " An inspection with XXXX has been ordered on XX/XX/XXXX. You also mentioned that the flood and wind claims should be treated separate. Due to the date of loss being XX/XX/XXXX, for XXXX damage, wind and flood funds are monitored as one. '' my response : THIS IS YOUR CHOICE AND YOU SHOULD COMMUNICATE THIS TO THE BORROWERS YOU ARE SERVICING!! 

They claim : " Please note that a voicemail was left for you on XX/XX/XXXX, requesting that you return call to XXXX XXXX ( Loss Drafts Department ) at XXXX " My responses : " AND I DID CALL HER BACK AND LEFT A VOICE MAIL FOR HER ON HER EXTENSION XXXX ON XXXX, XXXX AND XX/XX/XXXX AND SHE NEVER CALLED ME BACK!! AGAIN, YOU ARE LYING TO COVER XXXX!!
Product: Student loan

Loan officer requested signature loan and prelim came back with 150 day late pay. To my knowledge my payments have never been late, even with prior hardship I made arrangements and have paid the correct amount, on time, since inception.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, I have noticed that I have several inquiries from creditors that I have not applied for or given permission to pull my credit. I have no knowledge of ever applying for credit from any of these creditors or financial institutions listed below. 


XXXXXXXX XXXX - Inquiry date XXXX XXXX XXXX - Inquiry date XXXX XXXXXXXX XXXX - Inquiry date XXXX XXXX - Inquiry date XXXX XXXXXXXX XXXX - Inquiry date XXXX XXXX - Inquiry date XXXX I have contacted the creditors and they have instructed me to file a complaint.
Product: Debt collection

I saw negative credit on my credit report by Overton, Russel and Donovan debt collection for 6 year old bill. Never received any letter or call from them just directly reported on my credit report. I was not made aware that I could dispute. Being ignorant I paid my 2 weeks paycheck to them. Within 5 weeks they send me another bill from same company regarding my son, same 6 years old. This hospital they send me bills have been taken over by another hospital 2/3 years back. Also my son always had child health plus insurance. I think they saw that I paid one bill so they are purposely sending me more unnecessary bills to collect money. Someone should really investigate in all their collections and revenues.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : Acct # XXXX showing on my credit report. 
Not my account. Account states on credit report was opened XXXX. I was born XXXX, I was XXXX. Says last reported XX/XX/XXXX. 
Amount Owed {$0.00} but wasn't mine needs to be removed. 

XXXX Account 2nd Account reflecting on credit report Acct # XXXX States Opened - XX/XX/XXXX ( I was XXXX in college, did not have credit ) Last Reported XX/XX/XXXX Balance Due - {$380.00} States there are 19 ( 90 day ) lates Maximum credit stated > {$210.00} In addition this account was charged off closed by creditor. States this underneath acct # on report. How can they continue to bill and report a charged off account trying to collect past 20 years. 

I checked to see if my dad has a credit card with XXXX in event it was his but he does not.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX by Transunion is reporting credit history going back 17 years. I applied for a loan through an SBA lender and they obtained this report from XXXX with information from 12-17 years ago that should not still be on my credit report. My current credit score is near XXXX yet I was declined for having this old data on my report, including a bankruptcy filing in 2005. Transunion is getting around this by calling it an " identity report '' instead of a credit report. Are they not required to follow the guidelines of 7 years for most data and 10 years for bankruptcies to fall off the credit report?
Product: Credit reporting or other personal consumer reports

To the best of my knowledge, FCRA 605B requires the removal of incorrectly reported accounts from credit reports. While I'm uncertain about the specifics, I urge you to review the accounts outlined in the documents. They're inaccurately represented on my credit report, with incorrect account information and statuses. This situation has deeply upset me, and I'm feeling unwell as a result. I'm reaching out to seek your assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Flagstar reported that I was 90 Days delinquent in Mortgage Payment. 
The loan for XXXX XXXX  XXXX  XXXX  was initially taken out XXXX XXXX Loan # XXXX and my mailing address at the time was XXXX XXXX  XXXX XXXX, XXXX, NY XXXX. I had automatic payment set-up for the mortgage payment from my bank acct. for XXXX. We moved away to our new address : XXXX XXXX XXXX XXXX, XXXX, NY XXXX and the mortgage was sold from XXXX to XXXX ( Loan # XXXX ) last year XX/XX/2020. In the interim all notices went to my old address and was not aware of the mortgage transfer. By the time I became aware 3Mo. payment lapsed. When I became aware, I paid off the balance in a Lump Sum amount and brought the Flagstar Acct current. We request that the negative credit reporting from Flagstar be expunged and retracted. We are available to further discuss this and may be contacted on my cell # XXXX. I would like to thank you for your favorable consideration of this request as our records prove that never before missed a payment on our previous payments and loan XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to access my free credit report from the official site https : XXXX but Experian is blocking it ( see attached blocked ) I am not sure how Experian is reporting me to lenders but they are not showing me the same information. When I look at my report from experian it shows all my accounts as exceptional payment history with the exception of 1 item ( see overview image 1 and all exceptional accounts ). When I check the late account it is listed as exceptional payment history but the fico8 is considering it serious delinquency ( see image ). Not only is experian blocking my free reports, forcing me to pay for reports and monitoring, but they are reporting me for items they aren't clearly listing and were supposed to be removed. I took a one time opportunity to pay them off but nothing has been done for 6 months. I am out of {$2400.00} and my credit is still totally ruined from one account that was supposed to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the company to provide the name, address, and telephone number of each person contacted regarding this alleged account ( Bankruptcy ). I requested a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to this account ( Bankruptcy ). The company continues to tell me the item is verified by public records.
Product: Student loan

Loan manager : Edfinancial Auto-pay policy is misleading, leading to past-due payments. Auto-pay also does not work, even when considering their misleading policy of it taking effect XXXX billing cycles after application. Helpdesk assured me that this was my fault due to the policy, refused to give information on the status of my account 's auto-pay, as from my side it said it was enabled. Past two pay periods have been past due as auto-pay was presumed to be working - because no statements of due balance were communicated to me.
Product: Bank account or service

ON XXXX XXXX, XXXX, A DEBT COLLECTOR CALLED, CONCERNING A SO-CALLED OLE CELL PHONE BILL, FROM XXXX. THEY TOLD ME IT WAS FROM XXXX OR XXXX? 

THE SO-CALLED BILL, WAS FOR {$140.00}. I PAYED THIS VIA MY ''BB & T BANK DEBIT CARD '', ON THAT DAY, BECAUSE I WAS ABOUT TO CLOSE ON OUR ''NEW HOUSE '', ON XXXX XXXX, XXXX, LOCATED IN XXXX, XXXX I WAS AFRAID THIS WOULD CANCEL MY NEW HOME DREAMS ...? SO EVEN THOU I DID NOT OWE THIS CELL PHONE BILL, I PAYED IT. NOW THAT I HAVE BOUGHT OUR NEW HOUSE, I WOULD LIKE TO FILE A DISPUTE WITH ''BB & T BANK '', FOR THE AMOUNT OF {$140.00}. 

PLEASE RETURN THIS TO MY CHECKING ACCOUNT, BB & T BANK. 

THANKS, XXXX Other ( i.e. phone, health club, etc. ) Which of these best describes your issue? 
Threatened to sue me on debt that is too old to be sued on Describe what happened so we can understand the issue ... 

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX SC XXXX BB & T CHECK CARD PURCHASE {$140.00} They told me I had to pay the CELL PHONE BILL FROM XXXX, EVEN THOU I DID NOT KNOW IF I EVER HAD THIS CELL PHONE #, OR NOT..? 

NEVER GOT ANY STATEMENT, OR BILL. THIS WAS SUPPOSE TO BE FROM WAY BACK IN XXXX OR XXXX? 

THE ''REP '', ALSO T0LD ME IF I DID NOT PAY NOW ... ( XXXX XXXX, XXXX ) ; THAT THEY WOULD TURN THIS BILL OVER TO ALL CREDIT AGENCIES.. ( XXXX ). 

AND THUS LOWERING MY CREDIT SCORE ... ... ( I TOLD HIM FRAUD HAD BEEN COMMITTED, WHILE I WAS LIVING IN XXXX, DURING THAT TIME, TIL XXXX. I MOVED TO THE XXXX IN XXXX XXXX, XXXX, RETURNING ON XXXX XXXX, XXXX. 
FRAUD HAD BEEN COMMITTED AGAINST ME, SEVERAL TIMES. I TOLD HIM ( XXXX ), THIS. 

AND THAT I WAS ''NOT SURE '' IF THIS WAS MY DEBT OR NOT. BUT THEY AGAIN THREATENED ME. AND I WAS TRYING TO BUY MY NEW HOUSE, THAT CLOSED ON XXXX XXXX, XXXX. 

I WAS AFRAID THIS WOULD HARM ME GETTING OUR NEW HOME, SO I PAID THIS UNKNOWN CELL PHONE BILL, THAT I HAVE NEVER HEARD FROM NOR ABOUT. 

THANKS, XXXX XXXX ... .EVEN IF I HAD OWED THIS..??? IS THERE NOT A TIME LIMIT WHEN BAD REMARKS COME OFF OF XXXX 'S CREDIT STATEMENT ...? LIKE AFTER 7 OR 10-YRS ....? BUT AGAIN, I DO NOT REMEMBER THIS SO-CALLED CELL PHONE BILL. 

Consent to publish the description of what happened? 
Consent provided What do you think would be a fair resolution to your issue? 

GET MY MONEY BACK, OR PROVE THAT NOT ENOUGH TIME HAS PASSED, THAT I HAVE TO PAY, ( IF I OWE THIS AT ALL ) ..???? 

PLEASE GIVE MY {$140.00}, & SEND ME A CHECK TO MY NEW HOME ADDRESS ( BELOW ). 

XXXX XXXX XXXX XXXX, XXXX XXXX THANKS, XXXX XXXX Information Edit this section Debt collection company XXXX Phone Number XXXX Supporting documents VA APPRAISAL $ XXXX ( XXXX ) XXXX ( XXXX )
Product: Money transfer, virtual currency, or money service

I am submitting a complaint against Cash App ( Block , Inc. ) for inadequate customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to implement timely and effective measures to prevent and address fraud on their platform, leaving my account exposed and unprotected. Additionally, their dispute resolution process was unfair and deceptive, failing to comply with the error resolution requirements outlined in the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These shortcomings have resulted in significant inconvenience and financial losses, and I am seeking appropriate redress for these violations.
Product: Credit card or prepaid card

CitiGroup/ Sears reduced my credit limit on my account without providing prior notification or explanation to approximately 10 % of my original limit. I have contacted Citi Card Services regarding this issue and was told that my limit could not be restored and the error could not be corrected. I asked why I was not informed prior to this action and was told that a letter was sent to my residence. This is unlikely as my account was designated as a paperless transaction/ notification/ statement account 9 years ago. I checked my electronic communications and do not have any notice that my account terms would change. Further, the only solicitations I have regarding my account are advertisements for new products or shopping promotions. No account notices have been sent via the terms we agreed many years ago. 
This modification to my account terms places me at a significant disadvantage both in terms of my credit standing and ability to purchase items to remodel our home. While we used this card to purchase appliances approximately 10 years ago, we are now in need to replace and upgrade many of these as well as aging utilities like our furnace and air conditioning system. This card was to assist in this series of purchases as we had done and paid in full 10 years prior. However, the elimination of this card, the negative impact to our credit due to Citi/ Sears decisions have created an additional burden upon us.

We have maintained this account in good standing. We have made regular payments and never have been in default or late. This was not becoming of a credit agency and we have not been treated with the respect that should be extended to clients who abide by their terms, while the lender refuses to reciprocate.
Product: Credit reporting or other personal consumer reports

I am showing four different student loans on my credit report. Please remove the following loans from my credit report. 
U S DEPT OF EDXXXX {$1500.00} U S DEPT OF EDXXXX {$1900.00} U S DEPT OF EDXXXX {$640.00} U S DEPT OF EDXXXX {$640.00}
Product: Mortgage

During the last week of XX/XX/2018, I sold my house which was financed by Selene Finance. By the second week of XX/XX/XXXX, I realized that I had not received the refund from my escrow account with Selene which amounted to a little over {$1100.00}. On XX/XX/2018, I called Selene Financial  and was told the check was sent to the attorney representing the buyer of my house. This was incorrect and the check had obviously not been cashed. Selene agreed to stop payment and then issue a new check to me to be mailed to my new address. They have repeatedly given me false information when I have called to inquire such as it will be mailed within 18 business days but as of yesterday, no check has been issued. The money was returned to my escrow with no check issued to me. The only reason given is that it is being processed and no one can tell me when I will be sent the check. I have talked to a supervisor who did not resolve the problem. According to Selene, I have no choice but to wait until the company decides to send me a check.
Product: Payday loan, title loan, or personal loan

My payday is Friday and they took the money on Thursday and caused overdraft fees
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : XXXX XXXX  XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$580.00} XX/XX/XXXXXXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$740.00} XX/XX/XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX  XXXX XXXX {$1000.00} XX/XX/XXXX XXXXXXXX XXXX  XXXX {$740.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$83.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX, XXXX - XX/XX/XXXX Equifax 15 U.S.C , 1681section 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 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 of crimes which antedates the report by more than XXXX years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.