23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Paypal closed my business Paypal account XXXXXXXXXXXX on XXXX/XXXX/15 without any valid reason or warning. Most importantly, Paypal refused to return my money and grab the money for 6 months without any reasonable ground. There is more than {$10000.00} in my account. 
Paypal claimed that they grabbed the money to cover any payment reversals. That is a totally fake excuse since there is no payment into the account at all. Their only purpose is to grab customer 's money and profit from it. I can not access my own all legitimate money, which causes enormous financial loss while Paypal profit from using my money interest free. 
Paypal 's act of grabbing customer 's money at will is rogue and illegal, which violates consumer 's property right protected by the constitution.
Product: Debt collection

A debt collector from West Asset Management called me on my personal phone informing me of a medical collection on XXXX XXXX, 2015. I advised that I would get a letter in the mail to them today to cease contact with me regarding this debt as it is still being reviewed by my insurance company. On XXXX XXXX, 2015, the same collection agency called my Father claiming that they were calling about a doctor bill and they were looking for me. This third party call should have never been made because they verified that my information was correct and my telephone number, additionally, they were advised not to call me by phone and in writing. Location purposes do not hold water here considering they spoke to me and verified my information.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXX XXXX {$720.00} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.
Product: Mortgage

I received an email from I received an email from Citizens Bank on XX/XX/23 stating that my real estate taxes to XXXX XXXX XXXX were paid from my escrow account. The email stated that the transaction was processed on XX/XX/23 in the amount of {$1800.00}. 

After researching why the taxes were still showing due, I located on my Citizens Bank online account the address to where the payment of taxes was sent. The address that Citizens Bank sent my tax payment is incorrect. Specifically, the zip code is incorrect. 

I subsequently contacted the mortgage department at Citizens Bank that XXXX  real estate tax payments. I explained to them the error and I was advised that they would research the matter and that I should check back on XX/XX/XXXX for an update. The representative went on to say that I could also make the payment myself. I was flabbergasted with this advice as I have my taxes paid through escrow. This basically would mean XXXX paying twice because of Citizens error. 

In addition, the tax bill from XXXX XXXX XXXX is sent out by XX/XX/XXXX and due on XX/XX/XXXX. I also mentioned this to the representative and I was told that this is common practice. Ive had many mortgages with major banks such as XXXX XXXX XXXX and XXXX, and they always paid my taxes when they were due, and not after the due date. Therefore, I doubt that this is common practice and I question the legality of this practice by Citizens. 

As of this writing, my taxes with XXXX XXXX XXXX are still showing due. Im requesting that the following be done by Citizens : 1. Correct the zip code error and reissue tax payment forthwith as taxes will be delinquent on XX/XX/XXXX. 

XXXX. Allow me in the future to pay the real estate taxes myself and not have them escrowed. And adjust my mortgage payment to reflect not having taxes escrowed.
Product: Mortgage

In 2015 I was approved for the Florida Hardest Hit Program where that program paid my mortgage payments for 12 months due to my hardship. I also was approved for the amount of {$18000.00} that would have went toward a portion of my amount to reinstate my mortgage but my Servicer refused those funds because it was not the total amount to reinstate. I recently completed my participation with the Hardest Hit Program and due to a decrease in my income I went to a HUD approved HUD Counseling agency to applying for a loan modification and the servicer has informed me that due to my mortgage being 3 years in arrears and a new rule set forth by CFPB they can not open a file for me to be considered for a retention option. I feel this is an unfair ruling based on if my servicer would have taken the {$18000.00} I was approved for by the HHF Program that would decreased the amount of delinquency and would have helped me in my attempt to save my home form foreclosure. I recently have increased my income and I am seeking a favorable solution to save my home.
Product: Checking or savings account

I had money in my account and was still charge overdraft fees, which made my account going to the negative several times Amounts XXXX
Product: Mortgage

I have a conventional mortgage with Cross Country Mortgage. XXXX services the mortgage. My mortgage payment jumped {$400.00} a month. Cross Country informed me it was because of increased property taxes. The city I live in assesses taxes twice a year. Cross Country has been ( over ) paying 4 times a year. I have spoken maybe half a dozen times now with Cross Country and XXXX and they are unable to tell me what they paid out of escrow and why. They assigned a " resolution specialist '' who promised to get me an answer by XX/XX/XXXX, but he has, as of XX/XX/XXXX, provided no response and is unreachable. Essentially, they are cutting checks from my escrow account for taxes that are not owed and can not account to me for what happened to the checks/money.
Product: Credit card or prepaid card

Ongoing dispute for {$900.00} worth of charges. Dating back to XXXX XXXX weekend of XXXX. No written correspondence from company with decision. No calls back from designated fraud investigator. Numerous calls left to fraud department with no messages returned, charging interest and requiring payment during an active dispute.
Product: Debt collection

I received a debt collection notice dated XX/XX/XXXX from XXXX XXXX, Debt Collector, who is employed by the Professional Bureau of Collections of Maryland , Inc., on behalf of the XXXX XXXX XXXX XXXX Texas XXXX regarding a debt of {$510.00} that I allegedly owe to the Sound Physicians. I do not owe this debt. 

I have been in a dispute with the XXXX XXXX XXXX XXXX Texas XXXX since XXXX over medical debt they say I owe the XXXX XXXX  for an inpatient hospital stay that occurred in XXXX of XXXX..I received a bill on XX/XX/XXXX from them for {$1700.00}. I disputed this charge and was told by my insurance company I was being illegally balance billed by the XXXX XXXX. I received a letter from my insurance company dated XX/XX/XXXX stating I owed only {$300.00}. I finally received a bill in the mail with a statement date of XX/XX/XXXX from the XXXX XXXX XXXX XXXX Texas XXXX for the correct amount owed. I paid the {$300.00} to the XXXX XXXX XXXX XXXX Texas XXXX online by credit card on XX/XX/XXXX and I do not owe any debt to this company. I contacted the XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX by phone about why my account was still in collections and spoke with XXXX XXXX XXXX XXXX confirmed I owed XXXX balance on my account and said they would investigate why my account was still in collections as well as put a hold on the account. 

Laws have been broken by the Professional Bureau of Collections of Maryland , Inc. and debt collector XXXX XXXX, This debt collection company/collector is in violation of the FDCPA and is unlawfully trying to collect money I do not owe. I never owed {$510.00} to the hospitalist group. The amount I did owe, {$300.00}, was paid in full on XX/XX/XXXX. I sent a debt validation letter dated XX/XX/XXXX to the Professional Bureau of Collections of Maryland, Inc.by certified mail ( received return receipt dated XX/XX/XXXX ) saying the debt was in dispute and to stop all communication with me and record that I disputed the debt. I also asked if the debt was forwarded or returned to another company they indicate it is disputed and if the debt has or will be reported to a credit bureau that it is reported as disputed as well. On XX/XX/XXXX I received a robocall on my voicemail from the Professional Bureau of Collections of Maryland , Inc. saying to contact them. Because I sent a debt validation letter within 30 days of receiving the debt collection notice this collector violated my rights by contacting me. I also have not received a letter from this company validating the debt they say I owe them.
Product: Checking or savings account

Company is US Bank. FDIC Certification # XXXX Address : XXXX XXXX XXXX, XXXX, OH XXXX Check fraud occurred on the account on XXXX, two checks were washed and mobile deposited. One for {$3500.00} ( check # XXXX ) and the second for {$4400.00} ( check # XXXX ). The second check did not clear based on insufficient funds. Both of these checks are still physically still in my checkbook. US Bank did not catch these checks, I did and froze the account. As of this date, XXXX, the bank has not returned the money even though they have admitted the checks were fraud during numerous phone calls. They keep stating they have to complete their fraud investigation process. A local bank branch manager has looked into the case and has stated US Bank is trying to get the money back from the bank institution that processed the mobile deposit. I have called daily and weekly to get updates and they still will not give an answer as to when our money will be returned. 

Their investigation has no relevance to our money being returned, they can investigate on their time. They have admitted the checks were fraud and need to return the money immediately. Their fraud process is terribly flawed to the point of punishing the consumer it has affected. Their security measures to prevent check fraud greatly failed and they will not provide any information relevant to when the money will be returned.
Product: Mortgage

XXXX XXXX XXXX - borrower/client. 
Original loan secured and closed in XXXX XXXX. XXXX XXXX financial crisis hit and applied for a modification in XXXX time frame. Took XXXX years since the lender was XXXX XXXX XXXX XXXX XXXX XXXX They were enmeshed in the meltdown and their own bankruptcy. After XXXX years mortgage was sold to Nationstar - XXXX more months of paperwork modification was approved. They simply tacked on the interest accrual of the payments not paid for the previous XXXX years due to their DEMAND no mortgage payments to be made during their XXXX years of time needed to make a decision - repeatedly asking for the same paperwork over and over and then losing it. '' Nationstar adjusted the rate to XXXX XXXX from XXXX XXXX - on a XXXX XXXX. All that did was recast the balance and the payments remained the same as they ADDED over XXXX of principal. I made the payments faithfully regardless of the fact that was ridiculous. 

I have never been late. In this past year XXXX what I did not realize is they were negatively amortizing the 'new adjusted interest increase ' they hit me with XXXX no notification of this ) - in XXXX and have been compounding and adding to the loan principal balance. In XXXX years I have paid faithfully and have NEVER been able to reduce the principal loan balance - in fact, it is HIGHER than I started out with in XXXX. 

I am not late now, but, I applied for them to modify this loan to meet reasonable terms and to comprehend this never ending cycle. The proven value of this property is only XXXX XXXX with a recent appraisal done and market has declined further, yet, I have been faithful in payments. 

After supplying them all my information - good credit - and income that can fully sustain the mortgage - they declined the request for no reason and gave me no basis of this. 

The XXXX XXXX term was up in XXXX - and the adjustment for that XXXX should have gone DOWN - not up. I am and was simply asking for reality in continuing to make reasonable payments while I wait for the market to improve and recover the value - that is STILL not there. 

XXXX XXXX put this in place. Nationstar has serviced the loan now for many years. They have not complied with legal requirements to adjust and or to discuss and give opportunity to remedy the loan and terms. XXXX was a major XXXX XXXX in the market during the meltdown and filed bankruptcy, relieving themselves of any and all debt - that they placed on consumers. 

I would and request this to be investigated. My phone number is XXXX or XXXX. My email is XXXXXXXXXXXX thank you
Product: Debt collection

For the period from XXXX XXXX, 2015 thru XXXX XXXX, 2015, my medical insurer was XXXX. During the same period, XXXX XXXX was my medical device provider. XXXX has repeatedly attempted to collect for rental for a XXXX for the treatment of XXXX XXXX. According to XXXX, XXXX did not obtain pre-authorization to bill XXXX for the rental of the XXXX and denied charges for the certain months, but has paid their portion of the charges for other months. XXXX has advised me on multiple occasions that I am not responsible for payment under the terms of their agreement with XXXX and that I can not be billed for the contested charges. However, XXXX has repeatedly attempted to collect directly from me and on several occasions has placed the charges with a collection agency. ( I will note that my complaint is strictly against XXXX, not the collection agency ) Furthermore, I have documentation from both XXXX and XXXX that the CPAP rental for XXXX 2015 was paid, yet XXXX continues to claim I owe them {$300.00} for that period. 

Presently XXXX claims I owe them {$980.00} although this figure seems to fluctuate from month to month with little explanation as to why. As recently as XXXX 2015 XXXX claimed the amount due was {$1900.00} Finally, I made a payment of {$490.00} in XXXX 2015 for for the XXXX, 2015 machine rental, under duress, in order to prevent the charge being sent to collections. I am contesting that charge as well and want the money refunded. 

I have referred this issue to the Washington State Attorney General 's Consumer Protection Division but their role in this matter appears to be limited to mediation with no apparent enforcement authority. To date neither XXXX nor XXXX have responded to the WaAG-CPD inquiry. I was advised by the AG 's CPD office that private legal action may be my only option, but did suggest that a complaint with CFPB may also be helpful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 - Personal information on XXXX is not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 - addresses XXXX XXXX XXXX, XXXX Ca XXXX
Product: Credit reporting

My complaint is about the conflict of interest at Equifax. The company is a for profit company and is accountable to its shareholders to generate profit. The company is in charge of consumer credit rating ( collecting information and issuing credit rating ) and the company also makes profit from it consumer credit monitoring and subscription business. So the consumer would pay XXXX. I was a subscriber for almost two years and I cleaned my credit, disputed inaccurate information etc. Tecently have decided not to renew my membership as did not see the use for it given that you can the same service free from XXXX. Equifax kept emailing me to renew membership. Since we are in a process of refinancing and given that my credit decreased despite the fact that I had perfect credit history I decided to sign up again and to my surprise they removed all positive information from old accounts and replaced with XXXX, which is not reported, and put back negative late information. I called them to dispute it and they stated that it is coming from the creditor. This is deceiving to push us as consumers to feel the need to subscribe to their product so we can keep Equifax in check. There a conflict of interest here. They should not be in both side of the business they should be either rating company or consumer credit monitoring. Otherwise, their credit monitoring should be offered for free since they are using our personal information to make money. When I complained, they added more information on those accounts closed in XX/XX/XXXX and paid in full in XX/XX/XXXX to show then as XXXX until XX/XX/XXXX, no one would respond to my inquiries and their costumer service uses deceptive methods not to assist and resolve the issue. Submitting a dispute could take months. We work very hard to establish a positive payment history and they simply can not have so much leverage in manipulating or skewing the data in a way they see fit. The credit rating has an impact on consumers ability to obtain jobs, loans and credit at more favorable terms and these agencies should have have so much power. Consumers are being victims of corporate greed. I hereby request that all the negative accounts be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 



XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$990.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX XXXX  XXXX Balance : {$770.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$220.00} ; XXXX XXXXXXXX Balance : {$110.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$710.00} ; XXXX  XXXX Bankruptcy XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX
Product: Credit reporting

I 've submitted multiple disputes to Equifax in regards to collection accounts that XXXX XXXX XXXX inserted into my credit report as credit tradelines. I provided documentation to Equifax on four different occasions and each time the accounts come back verified. I supplied Equifax a copy of their own documentation showing how a collection account should be reported and they still have not deleted the inaccurate information. XXXX XXXX purchased delinquent charged off credits cards and are now misrepresenting themselves as my original creditors which they are not. I have not other option but to file a complaint with the CFPB and the South Carolina Attorney General office.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Checking or savings account

The bank rearranged the orders of the credits and debits. This tends to make it seem like you have more money than you do. sometimes it makes it less money. On the XX/XX/XXXX I didnt have over {$1000.00}. I didnt have that in the 3 days prior either. On that money when I de tied the {$400.00}. I should have only had {$400.00} left.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Potentially negative Date opened XX/XX/XXXX XXXX. {$0.00} Status Open. 
DELETE ALL LATE PAYMENTS XXXX XXXX  DELAWARE Potentially negative Date opened XX/XX/XXXX Balance Status Paid, Closed. 
DELETE ALL LATE PAYMENTS XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Open DELETE ALL LATE PAYMENTS XXXX Potentially negative Date opened XX/XX/XXXX Balance Status Paid, Closed. {$330.00} written off. 
The written off amount was lager And I paid the account in full DELETE ALL LATE PAYMENTS XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance Status Transferred, closed. 
DELETE ALL LATE PAYMENTS XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance Status Transferred, closed. 
DELETE ALL LATE PAYMENTS XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$24000.00} Status Open. 
Balloon payment of {$3100.00} due XX/XX/XXXX. 
DELETE ALL LATE PAYMENTS XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$340.00} Status Collection account. {$340.00} past due as of XX/XX/XXXX. Paid in full creditor wrote off account in XXXX and XXXX DELETE ALL LATE PAYMENTS XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance XXXX Status Paid by creditor DELETE ALL LATE PAYMENTS XXXXXXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$270.00} Status Open. 
Paid in full Creditor wrote off amounts multiple years in a row since XXXX. 
DELETE ALL LATE PAYMENTS
Product: Credit card or prepaid card

I contacted Capital One in early XX/XX/XXXX, either the XX/XX/XXXX or before and inquired about changing the due date from the XX/XX/XXXX to the XX/XX/XXXX. XXXX, who I talked to said I could do that. He failed to mention it would take more than one billing cycle. I thought it could mean the XX/XX/XXXX due date would be changed. It wasnt and consequently I was charged a XXXX dollar late fee and interest of XXXX on XX/XX/XXXX. 
I then contacted them again either XX/XX/XXXX or around then. A manager then informed of the time it would take. I asked him to waive the late fee if there would be one since there was confusion on when this would kick in. He said he couldnt waive a late fee that hasnt occured yet but would make a note of it. 
I contacted Capital one on XX/XX/XXXX and XXXX XXXX said no note was made and that they couldnt waive the interest or late fee. 
When XXXX told me that the billing date was changed I assumed it could be for XX/XX/XXXX, so I put off moving money around in order to make the payment by the XX/XX/XXXX, although I could have if I was aware that it took so long to change.
Product: Payday loan, title loan, or personal loan

I experienced a setback financially when struck with XXXX XXXX after my 13th documented XXXX  XXXX. This set my back financially with many of my obligations.