23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, due to separation and divorce, and failure to sell the home resulted in a foreclosure with the home being sold in a Trustees sale in XXXX. Much like any forclosure, the sale amount awarded was not enough to cover the loan amounts. Because Arizona is an anti-deficiency state ( A.R.S. 33/814 ( G ), the amount not covered was charged off/discharged. In XXXX of this year, XXXX, I discovered through my credit reporting site that XXXX XXXX XXXX was coming after us for the deficient 2nd mortgage loan balance which was handled by Specialized Loan Servicing. I was completely shocked and taken back by this, as I had put this unfortunate event behind me since it had been nearly 5 years after the fact. In my shock, concern, and collection ignorance, I contacted and paid XXXX XXXX XXXX  the sum they agreed to settle for. I am filing this complaint because I am trying to purchase a new home and due to the way this was updated/unfolded, it has negatively impacted my credit standings with the bureas. Specialized Loan Servicing sold the debt to XXXX XXXX XXXX ( a licensed collection company, not a mortgage loan provider ) which updated the mortgage load to a current time " negative '' status, which has now voided my forclosure seasoning to purchase. This is clearly a violation or the FTS 's FDCRA. Because of erroneous and deceptive collection tactics and practices, this tradeline needs to be removed from my credit profile with the bureaus.
Product: Debt collection

Respected Officials, I owe debt on my credit cards and had signed up for financial relief. However, due to financial situation and legal problems I am facing XXXX and XXXX, I am unable to make a minimum payment due. So I signed up for debt managment plan and they communicated with me that they are negotiating with credit card companies. American Express has sent an email that I am being removed from financial relief program. I request them to consider my debt management proposal and give some more time to start making payments according to the proposed plan. 

Thanks XXXX XXXX
Product: Credit card

in XXXX, my auto pay for my PayPal credit card was canceled without me, knowing therefore I missed a payment and got charged a late fee and interest before I noticed when I called him they reversed the late fee and not the interest charge. They said that I canceled the auto pay, which I definitely did not do and Im not sure what happened but whatever I reset at my auto pay and I thought that was that and it was fine even though this was not my fault now again this Month I have been tracking my account since I have been having these issues and I have needed to closely monitor my account which I shouldnt have to do and I noticed that my auto pay was again canceled so I went in and just reset off the auto pay and thought it made the payment which it did but then I think it has bounced back I dont know there has been weird adjustments and I got charged a late fee for some reason so I called in again about this issue and have had a horrible customer experience service I called in reached PayPal credit card customer support after having to go deal with the robotic IVR when I reach customer service. The guy says that there is something wrong with my PayPal account not my PayPal credit card account so I need to be routed to PayPal. He rouse me to PayPal, but I have to re-verify and re-wait in the queue all over again when I finally reached PayPal, the woman says that there is nothing wrong with my PayPal account and that I need to be rerouted back to an account specialist on the credit side of things. She doesnt route me there instead I just get re-put in back into where I originally called. I have to redo the robot IVR system which forces you to listen to your entire transaction history and go through all of these steps before you can finally reach an agent. I have to re-verify my account and then this is my third time explaining the issue, my third time having to verify my third time having to go through this IVR so I dont know what is wrong with this process but there it should not take three transfers when I finally reach this person again on the third Try I explain my issue again and she said shes looking into it and then in the silence when shes looking into the call, she just hangs up so finally after all of this time and all of this waiting and dealing with this IVR and having to explain myself, I still have no answers. I just want to pay my credit card and not have to worry about all my payments being broken. Theres something wrong with the PayPal credit cards system. theres nothing wrong with my bank account. Ive checked the information when I just pay it and dont do auto pay. It works fine so there is something wrong. There is a glitch in the PayPal system that has not been fixed and is messing me up every time. The customer service was horrible. This issue alone is 3CFPB complaints worth of horrible customer service a broken auto pay system and unfair late fees. I just want to figure out what is wrong with my account so I can pay it but instead, I am constantly being penalized. 

Date of call : today XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be updated or corrected. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX Credit Bureaus to validate these items ( A ). I hope these disputed items will be repaired immediately 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
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. *** XXXX   XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX****, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX****, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX   XXXX ) XXXX**, XXXX XXXX XXXX ( Original Creditor : 10 XXXX XXXX ) XXXX**** , ( Original Creditor : ) XXXX**** and ( Original Creditor : ) XXXX****
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX was a victim of identity theft, medical bills were placed into collection in his name. The debt involves XXXX XXXX. XXXX XXXX XXXX XXXX rights as a consumer are in direct violation of the Fair Credit Reporting Act because in XXXX and XXXX these collection items on his credit report were disputed and removed. Now the same debt is re appearing from a different collection agency. Being XXXX XXXX, 19 items are currently in dispute now, within the 30 day time frame for investigation. This is considered " outdated, negative information '' as it's been addressed previously and led to an extended 7 year fraud alert on his credit report. This is illegal, and unethical. The credit bureaus should be held accountable for these violations and illegal reporting practices. Both transunion and XXXX have been notified to send a copy of a current credit report with the initial dispute process in writing, this has not been done at this time. Disputes were initiated on XX/XX/XXXX 2018
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under ( 15 U.S.C. 1681 ) and these accounts are also being reported in error by the credit reporting agencies. Also listed are sections and references of which they violated.

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) 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.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. 
( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
The following accounts below for this complaint are as follows, U S DEPT of ED/XXXX Account XXXX : XXXX U S DEPT of ED/XXXX Account Number : XXXX U S DEPT of ED/XXXXL Account Number : XXXX U S DEPT of EDXXXX Account Number : XXXX U S DEPT of ED/XXXX Account Number : XXXX U S DEPT of EDXXXX Account Number : XXXX U S DEPT of ED/XXXX  Account Number : XXXX U S DEPT of ED/XXXX Account Number : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXXk Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX
Product: Mortgage

I have just received a foreclosure notice from Ocwen LLC they have not honored the loan modification took all my payments, did not apply them extended my loan to XXXX months and have told me repeatedly that it was being " taken '' care of but the modification department needed time to review everything and that it takes time. They went from " we are on your side '' to " sucks for you '' my Loan was at XXXX and despite payments they have increased it by XXXX to XXXX and not applied XXXX penny to the account, in addition I sent them proof of every payment made and cleared and they have not updated their system. I have at least XXXX equity in my property, they are basically trying yo steal it from me. They have made me complete at min, of XXXX loan modifications, because they messed up the paper work, giving different amounts to be paid, some as small as XXXX they sent me paper work for a payment of XXXX each month to XXXX then would not cash my check and returned it to me because they mad an error and the new amount was XXXX. A XXXX dollar difference. I have complained to XXXX and Ca department XXXX oversight and they have done NOTHING! I have ALL documentation and correspondence. I have bank records and even had XXXX bank call with me and they are not acknowledging my PROOF of payments and could care less.
Product: Credit reporting

I just had a collection account from 2013 show up on my credit report from some first federal credit and collection. this would have been include in my XXXX ch XXXX discharge. but I want it taken off my report since they just put it on my report 3 years later if it is not deleted of my credit report I will be seeking legal action against first federal credit and collection
Product: Credit card or prepaid card

Capital One offered balance transfer at zero percent interest for 18 months. I made my minimum payment required every month. I checked my statement each month to see if the zero percent interest was expiring and there was no information on my statement that the promotional rate was expiring and the balance would need to be paid in full to avoid interest. I called the company and they would not remove the interest stating they did not have to provide that information on my statement. I paid the balance in full and closed my account that day. I believe this to be a deceptive business practice.
Product: Debt collection

I pulled my credit report so i can finally clear up my credit and the rep lisette was very rude and nasty towards me because she stated I took none of her calls when she tried to contact me which I have call block on my phone do to the phone number belong to someone else and if not in my contacts I explained to her I had insurance during those periods ive been scammed before and she said theres nothing they can do rude
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 i looked at my consumer report and was immediately frustrated with the 15. U.S.C 1681n willful non compliance to my disputes and complaints, I have submitted to CFPB, XXXX, XXXX XXXX Experian. XXXX, Experian & XXXX STOLE my information committing FRAUD by reporting such hernias things on my credit profile. This has cause me great stress. I demand these items be removed from my credit profile immediately or I will seek litigation and 15 U.S.C. 1692k Civicl Liability for EACH violation. I have not given XXXX, Experian or XXXX permission to disclose ANY information per 15 U.S.C 6802 on my credit report. Under 15 .U.S.C 1681 ( i ) states ALL reported information HAS to BE 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported a case of fraud on my XXXX XXXX credit card to CFPB, XXXX # XXXX. Though CFPB 's intervention resulted in a XXXXXXXX XXXX investigation, and a promise to reverse the charges, I now learn that my credit rating has been downgraded by XXXX points. This incident was reported as a delinquency and the bank never corrected the problem with the credit reporting agencies. XXXXXXXX XXXX should have informed the credit bureaus that this was a matter of fraud and ensured that it had no negative impact on my credit rating. 

I have always had excellent credit. This matter took place because of no fault of my own but was entirely due to the lack of adequate security at XXXX XXXX. I have spent many hours on the phone with the bank representatives, and in written correspondence exchanges to get this situation resolved. And now, as you can see from the credit card statement I received yesterday from XXXX XXXX, instead of identifying the problem as fraud, it lists numerous " adjustments '' that are labeled as reverse charges. XXXX XXXX  has mishandled this entire matter from the beginning.
Product: Mortgage

I have made timely monthly payments to First National Bank ( FNB ) on my land mortgage for more than three years. It is an interest only loan whose term expired at the end of XX/XX/XXXX. I have been unable to refinance this loan because FNB recorded a late payment on my credit report in XX/XX/XXXX and XX/XX/XXXX despite receiving payments. Two FNB loan officers at different locations have attempted to refinance the loan but failed because of the FNB entry on my credit report. Three other lending institutions denied my loan applications for the same reason. FNB failed to respond to all attempts I have made to resolve the issue but continue to accept my monthly payments and also added a " late payment '' penalty of {$7500.00} to my balance. Now, FNB has referred my account to a debt collector who is threatening to foreclose on my property.
Product: Credit reporting, credit repair services, or other personal consumer reports

Can not get in contact with someone to validate an alleged debt, Organization will not provided contract with my signed signature validating proof of alleged debt. I've continued this organization on multiple occasions. I DO NOT GIVE THEM CONSENT TO REPORT MY PERSONAL INFORMATION TO ANY THIRD PARTY ORGANIZATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got 2 things on my Hard Inquires that I have no knowledge of the TJx and XXXX XXXX  account I know about only one in that's the XXXX me and my wife just open up account there. The other 2 I do not know about never been out of state and don't know about them places at all. So I'm looking to get them removed as soon as possible please and thanks.
Product: Checking or savings account

I opened a checking account with Wells Fargo on XX/XX/24 under a promo that provided for a {$320.00} bonus after receiving direct deposits totaling at least {$1000.00} in 30 days. I received direct deposit of more than {$1000.00} within 30 days. I have not received the bonus. I have contacted the bank multiple times. The last time I communicated with the bank, they informed me the bonus should be credited by XX/XX/24, but as of today, XX/XX/24, I have still not received the bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. XXXX XXXX XXXX {$470.00} XXXX   XXXX {$770.00} XXXX XXXX {$2600.00} XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1100.00}
Product: Debt collection

In XXXXXXXX XXXX XXXXXXXX, I disputed XXXX accounts as fraudulent with the original creditor, XXXX XXXX and these accounts were removed from the credit reporting agencies. Portfolio Recovery Associates is now trying to collect on this previously unvalidated and removed account. I also never received any letter from Portfolio Recovery Associates advising of the debt that they were collection. PRA is also reporting as a closed account on XXXX when I have never had an account with this company and as a collection account with XXXX and XXXX. I have requested a copy of the certified notification of debt that should have been sent to me by PRA and never received it. 

Portfolio Recovery Associates are also repeat offenders. The Consumer Financial Protection Bureau ( CFPB ) took action against Portfolio Recovery Associates, one of the largest debt collectors in the nation, for violating a XXXX CFPB order and engaging in other violations of law. The CFPB filed a proposed order today that, if entered by the court, would require Portfolio Recovery Associates to pay more than {$12.00} XXXX to consumers harmed by its illegal debt collection practices, in addition to a {$12.00} XXXX penalty that would be deposited into the CFPBs victims relief fund. Portfolio Recovery Associates violated the XXXX order by collecting on unsubstantiated debt, collecting on debt without providing required documentation and disclosures to consumers, suing or threatening legal action against consumers without offering or possessing required documentation, and suing to collect on debt outside the statute of limitations. Portfolio Recovery Associates also failed to properly investigate and resolve consumer disputes about the company 's credit reporting.
Product: Money transfer, virtual currency, or money service

PayPal did not disclose that a peer-to-peer payment would take more than 6 business days. Website gave a timeline for fund availability of XX/XX/XXXX. It is not available and they now claim, it could take up until XX/XX/XXXX. Funds have already been deducted from linked checking account and PayPal is unnecessarily holding the funds and not releasing it to the recipient. 

Transaction ID : XXXX Spoke with a customer service rep and supervisor and no acceptable resolution was offered.
Product: Mortgage

False information was provided about loan product, rates and terms. According to the loan origination officer, the title company alleges that collateral is in trust, which is not on record with the county deeds.
Product: Money transfer, virtual currency, or money service

a year ago i signed onto XXXX like everybody does these days but i became the victim of scams.
Product: Money transfer, virtual currency, or money service

identify you and your account. 
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for those violations
Product: Student loan

Ive been trying to make payments for about 6 months now and all of my payments keep getting reversed. I keep getting letters sent to my email that Im not making my payments but I am.
Product: Payday loan, title loan, or personal loan

I have received an email from this company/organization on XX/XX/XXXX ( yesterday ) detailing me I have not fully paid the balance due on my loan. I have not done business with Spotloan since XX/XX/XXXX and the last payday I did receive was paid in full. I have not received anything since then even in XXXX I had a balance. The amount the company is asking is {$1500.00} which is excessive and after researching the company I see highly unusual results of a rip-off and predatory lending results. I dont know why now Im receiving an email and not in XXXX telling me of a debt Im not fond of. I have attached photos for review.
Product: Checking or savings account

In early XXXX, I opened a personal checking account online successfully. I received an account number, I made my initial deposit to fund the account, set up online banking, and even made 1 direct deposit into the account. All this happened successfully within the first couple days of opening the account. Then all of the sudden my online banking went frozen. I called customer service and they said I needed to go to a branch to see what happened. I talked to banker, XXXX XXXX, upon arrival. He was more than willing to help me at first. XXXX needed to ask the branch manager, XXXX XXXX, a question about my account so he got up and left the desk. When XXXX came back all he said was that my account is closed. I kept on asking questions like why and for what but he would not tell me any other information. Meanwhile I see XXXX leaving the bank so I couldn't ask him anything. I was not given any kind of an explanation what so ever as to why Iberia closed my account. I believe Iberia denied me because of some report they pulled but they didn't mention anything to me about it. This is wrong as Iberia probably used a report against me but did not cite the report. And also, why let me go all the way to opening and funding an account if Iberia didn't verify something?