23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I had a loan modification done in XX/XX/XXXX. The principle amount as of XX/XX/XXXX was {$350000.00}. Several months into this loan, they transferred it to a new company. This company has changed names, but it's been the same one since early XX/XX/XXXX. 

In XX/XX/XXXX, I received my mortgage statement stating that I owed {$77000.00} for the next payment. I called and asked what that was about. They informed me that it was an error on their side and that they would be taking care of it. I then received several more statements over the next few months with several different amounts " due immediately. '' I kept making my payments as usual and also called several times during this to ensure I wasn't missing anything. They insisted it was their mistake and they were fixing it. 

I finally received a statement in XX/XX/XXXX that looked like it was back to my normal payment. However, the principle amount had gone all the way up to {$350000.00}. This is more than what it was 3 years prior when the loan was modified. 

Since then, I have repeatedly tried to contact them ( both in writing and via phone ). Sometimes it takes several attempts to contact them before I receive a notice saying they are investigating. Each time they have been " investigating '', they have come back later and either said they have resolved the issue ( without telling me what it was ), or that they can not continue because I didn't supply the supporting documents that they had requested and so have closed the dispute. In EVERY case of the latter, I never received any kind of communication or request from them. 

I have seen on the payment history, downloaded from their site, where they have taken the money out of my account starting in XX/XX/XXXX for " reallocation, '' however, there is no record or explanation of where and/or why it was reallocated. 

I am currently selling my home and today, XX/XX/XXXX, almost 4 years after the modification, my payoff statement is a dollar figure that almost exactly the principle amount from the origination of the loan. 
XX/XX/XXXX Payoff statement : {$350000.00} XX/XX/XXXX New loan amount : {$350000.00} I have never missed a payment. I have copies of my bank statements that show every single payment since my modification.
Product: Vehicle loan or lease

LendSmart illegally repossessed my vehicle because i inquired about there right to collect a car payment for a vehicle i got from XXXX XXXX XXXX through in house financing. They provided no reason to why they stole my vehicle and they provided my private information to a tow company that has no affiliation with LendSmart other then the fact that they were hired that day to steal my car. There have been 2 other CFPB complaints made and XXXX still hasn't provided proof of a loan that they gave me or an assignment of contract. I was not late at the time the car was stolen from me and being that i am a XXXX XXXX XXXX XXXX  XXXX veteran, this caused major issues with me getting to appointments I had to receive treatment. They had no legal rights to taking my property. My vehicle was taken XX/XX/XXXX and i provide proof that in XXXX of XXXX I made a payment of XXXX and had no late payments or late fees pending. They continue to harass me by report negatively to my credit any the picture of my report shows proof that my property was taken XXXX while the statement i provide shows proof that i was not late
Product: Debt collection

Velo Law is currently garnishing wages. I've sent communication to them, starting back in XX/XX/2020 to the address below but no information was given regarding this debt. How is this so? How can you garnish a wage, regarding a fraudulent debt and not provide any information? This debt appears fraudulent and now they're garnishing my wages without communicating regarding the debt. I would like this to cease immediately. 

Velo Law XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
Product: Bank account or service

We went to a local non-attached ATM at a local bank to put money in that we were saving for a week. We put a stack of {$20.00} bills into the ATM. The ATM ate some of the money and sent out a piece of paper telling us to call a number. We deposited the money that the ATM spit out and got a receipt for that money. The money is question is {$380.00}! We called the XXXX number. They put a temporary credit on the account for {$380.00}. That money was removed by the bank a month later. We went to the bank manager to see what could be done. We were supposed to be getting a call back about this matter. We waited a week because we received no call back. The bank manager said that he could not help us because there was no overage from the third party that runs the ATM nor from the bank. We went to the branch on XXXX XXXX where they know us by sight. The agent there made a complaint about the bank manager in the branch that we went to. She also found that although we had changed the address on the bank web site the change of address had not gone through and we were told to never change the address on line because it dos not work correctly. We were at a gas station low on gas when he bank card did no work due to the credit reversal. That is how we found out that the bank took their credit of our money back. The bank sent us paperwork to a P.O. Box that we had closed awhile back. We had to take a loan out to cover our bank account at that point. We received a rebuttal form in the mail and we called the bank about this matter again today. We were told that this could take 45 days if this gets approved. Where is our money?
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM IN PROCESS OF PURCHASING A HOME AND I WOULD LIKE THE AUTO FINANCE INQUIRIES REMOVED OFF MY REPORT FROM 2019, I DID NOT AUTHORIZE ANY OTHER COMPANY TO RUN MY CREDIT EXCEPT " XXXX XXXX '' FINANCE. THOSE INQUIRIES ARE FRAUD & I WOULD LIKE THEM REMOVED AS SOON AS POSSIBLE XXXX XXXX XXXX XX/XX/2019 REGIONAL  ACC XX/XX/2019 XXXX XXXX XXXX XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019, I discovered errors on my credit report that was furnished by your company CREDIT COLLECTION SERV / CCs. I disputed this erroneous information directly with the Credit Reporting Bureau. CREDIT COLLECTION SERV / CCs then informed the Credit Reporting Agency that it 1 ) conducted an investigation and 2 ) the information reported regarding me is correct as reported. On XX/XX/2019, I mailed your company a dispute letter. Despite all of my objections and disputes, CREDIT COLLECTION SERV / CCs continues report this erroneous debt to at least 2 Credit Reporting Bureaus. 
Privacy Concern. COLLECTION SERV / CCs collected, processes and retained private, Personally Identifiable Information ( PII ) regarding me. I DID NOT CONSENT to Credit Collection Serv / CCs obtaining or processing my PII as this debt does not belong to me and I do not have a relationship with or provide consent to CREDIT COLLECTION SERV / CCs. Any information you may have been provided regard me has been wrongfully and incorrectly provided to you. Aside from my separate issues with the Original Debtor, you have my PII and YOU HAVE NOT BEEN AUTHORIZED BY ME TO COLLECT OR HAVE ACCESS TO MY PII.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to dispute the accuracy of my credit report as reported by the credit bureaus. 

Furthermore, my current address is XXXX XXXX XXXX XXXX XXXX, New York XXXX, but the credit bureaus have reported multiple incorrect addresses. These addresses include XXXX XXXX XXXX  XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX 

These inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 607 ( a ) ( 1 ) which requires that consumer reporting agencies and furnishers of information to credit bureaus must ensure that the information they report is accurate and complete. Additionally, Section 623 ( a ) ( 2 ) requires that consumer reporting agencies must conduct a reasonable reinvestigation of disputed information upon request by the consumer, and must modify or delete inaccurate information. Furthermore, Section 623 ( b ) requires that consumer reporting agencies must block information that is inaccurate or incomplete from being included in the consumer 's credit report. 

Moreover, the inaccuracies in my credit report have had a significant impact on my life. For example, I was recently denied a loan due to the incorrect information in my credit report, which has prevented me from achieving my financial goals. Furthermore, the multiple incorrect addresses have caused confusion and delays in my daily life, such as with receiving mail and packages, and have caused unnecessary stress and frustration. 

Therefore, I am requesting that the creditor remove these unverified accounts from my credit report and take all necessary steps to correct the inaccurate information in my credit report. I am also asking for the enforcement of the legal requirements of the FCRA and the Fair and Accurate Credit Transactions Act ( FACTA ), specifically Section 114 which requires that creditors and lenders must truncate credit card and Social Security numbers on any receipts or documents they provide to consumers, in order to prevent identity theft, and Section 315 which requires that creditors and lenders must take reasonable steps to protect their customers ' personal identifying information ( PII ) from identity theft. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card

I was using XXXX for the first time to sell an item. This is a resale app. I got a few messages saying they were interested in my item and the offered to buy it. They told me to send pictures of the item to a XXXX  address which I did. Then they said they used XXXX  to get payment. I presumed this was normal through XXXX because I never used this app before. I was asked to deposit {$510.00} at first which I though was weird because my item was {$240.00} but they assured me this was because they needed me to give my account info and then they will reimburse me the money. At this point it started to sound like a scam and then they asked me to submit {$1000.00} which then I realized was a real scam. However they had already asked me to submit a code sent to my text messages to activate this process. I called wells Fargo immediately and explained this to them. They opened a claim and are sending me a new card. However they have now put through the amount of {$510.00}. I called again today and they told me it will take 7 more days to get a resolution to refund me the money but I am not confident they will. Today is XX/XX/year> the orginal transaction happened XX/XX/year>. I can send pictures of the conversation and also the email I got from XXXX when I report this issue l.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I got an email stating I would no longer be able to use PayPal, in any regard. When I called the support center on XX/XX/XXXX they told me they would tell me nothing about why they were banning me. I use PayPal for the occasional online purchase, and to deposit rent money from roommates. After reading the legal and user agreements, I am unable to find any transaction which would result in this banning. My largest complaint as of now is that while I can log into PayPal, I can not remove my credit cards or checking account. This is worrying to me because my PayPal was hacked once before and if Im no longer using it, and they wont allow me to do any transactions ( be it shopping or between friends ) there is no reason for them to hold on to my financial information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Evening. My name is XXXX XXXX. I have a problem with the way that my auto loan company is dealing with me. Im a victim of he Hurricane back in XXXX. I have been stuggling to pay my car note. However I do pay it between 20-29 days after the due date. Prior to making payments if I pay on the 28 day. They will report me 30 days late. Im not understanding why. I contacted them and they say its a 2 day processing. So that will turn the 28 days to 30 days. Leagally I payed my car note before 30 days and it shows in the system. Why do I have to be penalized for there system. Its not fair and through my hard time I feel so horrible and they are treating me worse. I feel like they are mocking me through my trouble times and it has caused me a Great XXXX. Once a payment is made thats what it should b. I tried dealing with them and each person I speak to treat and talk to me like Im nothing. I guess they dont have financial difficulties and pray they never do. Because I wouldnt want them to feel pain like me. However leagally if I pay my carnote before 30 days. They should not fault me because of there system processin time. Thankyou
Product: Debt collection

I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. FirstPoint Collection Resources , Inc. has been notified via certified mail to show validation of debt along with an audit trail which they failed to provide. FirstPoint Collection Resources , Inc. has also reported an alleged debt to XXXX, XXXX and XXXX which is a violation of 15 USC 1692c ( b ) and 15 USC 1692b ( 2 ).
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I recently made a payment of {$600.00} and that amount was from all the past due payments that I have previously missed. I eventually got caught up on all my XXXX XXXX payments and stopped missing payments that were due. I am now caught up on all my XXXX XXXX. I would appreciate if those late payments that are on my credit report could get removed, having those late payments on my credit report is preventing me from boosting my XXXXredit score.

In accordance with 15 USC 1666 ( b )
Product: Money transfer, virtual currency, or money service

Cash app refuses to give me access to my stimulus payments XXXX XXXX  XXXX they say for my own security I was able to obtain from the IRS the last XXXX numbers of the account that it was deposited to ( XXXX ) and I immediately give this information to Cashapp how come I lost access in the first place was because of confusion I had set up a new account and did not even realize it for almost a year well come to find out long story short someone apparently hijacked my account and im just assuming because I've not been able to talk with anyone from Cash app other than chat message im very disappointed in there customer service and lack of respect for me as a Citizen who simply tried my very best to deal with this in house with them but they refuse to help me at all so this is why im here today I just want and need my money no one will help me cause and i know im not the only person to have similar issues with Cashapp as soon as i figure out how im gon na seek compensation for XXXX  months of XXXX simply because they are pathetic when it comes to Customer Service they should be shut down and never allowed to operate in our Country it's nothing but a safe haven for criminals and scam artist First deposit XX/XX/XXXX second deposit XX/XX/XXXX
Product: Debt collection

PORTFOLIO RECOVERY ASSOCIATES Account Name XXXX Account Number Debt Buyer Account Type .On XX/XX/2020 this debt was removed from my XX/XX/XXXX report due to not having sufficient verification of debt. I disputed the debt with XXXX and XXXX  in XX/XX/2020 and asked for verification and validation of debt. I havent received anything from the credit bureau or creditor. On XX/XX/XXXX I wrote the creditor and credit bureau requesting proof be sent to me validation and verification nothing was received but the creditor and credit bureau updated this debt on my report with no proof. The date the dispute was submitted was XX/XX/XXXX, dispute updated XX/XX/XXXX and disputed results ready XX/XX/XXXX. It was not processed correctly and they did not require any proof be submitted only went on the creditor words. According to the FCRA that is illegal. Im asking this to be removed from all accounts immediately.
Product: Debt collection

IN REGARDS TO COMPLAINT NUMBER XXXX Midwest credit collection has refused to address all issues regarding my previous complaints. My next step will be to file a complaint with the attorney general, the XXXX, and more. 


Please address line by line every claim that I have addressed to you regarding your deceptive collection practices on the alleged owed debt. 


( Midwest credit collection has broken several laws inluding identity theft. Pursuant to 15 usc 1681A ( 3 ) ( a ) medical bills can not be shared. Pursuant to 18 usc 8 all debt obligation are of the United States. Pursuant to 15 usc 1692c ( a ) midwest collection never had my prior consent to contact me pursuant to 15 usc 1692d ( 5 ) I have been harassed and my phone has rung from the debt collector 's office. ) also I did not receive anything in the mail from your office showing any type of validation of debt. I request that you upload your correspondence and documents here to the consumer financial protection bureau for a proper paper trail.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX The accounts in question are as follows : Account name : XXXX XXXX XXXX XXXX, Account # XXXX Account name : XXXX XXXX XXXX, Account # XXXX Account name : XXXX XXXX, Account # XXXX Account name : XXXX XXXX XXXX, Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX, Account # XXXX Account name : XXXX, Account # XXXX -- 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delete the accounts listed IMMEDIATELY! 
XXXX
Product: Student loan

I graduated in XXXX. They gave 12 months after graduation before repayment began. Before the 1st payment was due I contacted Sallie Mae to see if I could receive forbearance or deferment due to not working and not being able to afford tye current monthly payment of {$570.00} Which was due XX/XX/XXXX. I was informed nothing could be done except to apply for my payment to be lowered based off of my income in which I did on XX/XX/XXXX. My payments were lowered to {$350.00} of which I could not afford so I asked if any other options were available. I was informed that I can find a company willing to purchase or consolidate my loan, go back to school, borrow from friends and family or ask my cosigner to cover the amount until I am able to cover it and pay my cosigner back. Due to the pandemic my cosigner is unable to help. I am currently past due {$1300.00} since the 1st payment due date in XXXX. Although I'm currently searching for employment since graduation I have no relief from my loan servicer. I call weekly to keep them updated with my financial status, and I always ask is there anything else to be done that can help refrain from default but unfortunately there is no relief and every call made I am told to borrow more money from family and cosigner. With the pandemic still in effect I Dont understand why there is no other relief available to borrowers. The payment amounts are easy to cause default especially to someone like myself who in unwillingly unemployed for the time being. I tried to navigate the site for help with difficulty making payments but was directed to calling my servicer for help which was already done atleast once weekly/biweekly, and information on filing chapter XX/XX/XXXX & XX/XX/XXXX bankruptcy and what will happen if your account becomes delinquent or defaults.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to file a formal complaint against Credit Corp regarding their attempt to collect a debt that I believe is invalid. Despite my repeated requests, they have failed to provide the original contract or any valid documentation to substantiate the debt they claim I owe. 

Company : XXXX XXXX Amount Claimed : {$830.00} On XX/XX/year>, I was contacted by Credit Corp regarding a debt they claim I owe. As is my right under the Fair Debt Collection Practices Act ( FDCPA ), I requested validation of the debt, including a copy of the original contract or other supporting documentation. To date, XXXX XXXX has not provided the requested documentation. 

Instead, they continue to demand payment for this unverified debt. I believe this practice is unfair and deceptive, as I can not verify that the debt is legitimate without the proper documentation. 


I request that Credit Corp cease all collection attempts until they can provide proper validation of the debt, including a copy of the original contract. If they are unable to do so, I ask that the debt be removed from my credit report and that they refrain from any further collection activity. 

I appreciate your attention to this matter and look forward to a prompt resolution. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, TX, XXXX Account/Reference Number with XXXX XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Iam a natural person, Iam a living human being, and i have rights under 15 USC 1681 Equifax is govern by 15 USC 1681. And they have violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 I have the right to privacy and did not give Equifax written permission to furnish these accounts. 


XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX  XXXX
Product: Mortgage

There is a charge of XXXX added to my loan showing unpaid principal but on documents it is explained as interest due and a late charge on the bill that owed since XX/XX/XXXX which is fine but was never listed on my online statement which is how I pay by the interst due is XXXX
Product: Debt collection

They first called home number and denied son 's request to disclose what R & B corporation was operating business as, would only describe themselves as a " business ''. After ending call, she proceeded to call recipient 's workplace phone number and cellphone number. These communication tactics were invasive and recipient felt harassed. Furthermore, the collection agent made false statements regarding a debt owed and later in the call admitted that the payments made were found. Agent then proceeded to make more false statements saying mailers were sent to recipient, however, no mail regarding the debt owed was received.