23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My fiance XXXX XXXX and I have a mortgage with Lakeview loan number XXXX. In XX/XX/2022, we received a notice from Lakeview that our taxes were not paid and they were increasing our mortgage payment to compensate to pay the back taxes owed. When we looked on the Lakeview portal we could see our quarterly tax disbursements for the following amounts : XX/XX/2022 XXXX, XX/XX/2022 XXXX, XX/XX/2022 XXXX, XX/XX/XXXX XXXX XXXX, and XX/XX/2022 XXXX. But despite these payments being made, Lakeview forced us to pay almost XXXX  extra each month for several months. I filed a complaint with the XXXX and CFPB and this pushed Lakeview to research the issue. XXXX and I researched on our end with our closing attorney. It appeared that the taxes were being paid on our condo association and NOT on our condo unit. As such, after the two regulator complaints were filed, Lakeview contacted us and advised an overage of approximately XXXX was due to us and we were sent a refund. Now, a few weeks ago, we received notification from Lakeviews servicer XXXX that we owe XXXX which is the exact amount of the 5 quarterly disbursements made on our account. Again, it appears that they never corrected the tax amount that was misapplied. Dealing with Lakeview and XXXX is a complete nightmare. I also tried to reconcile the amounts using the payments made on the Lakeview website under our loan account but its impossible to do so with the way they reported our payments. I also asked Lakeview to perform an audit on our account to ensure everything was corrected but they failed to do so. Please address this issue as we will never get this resolved with them unless we double pay them another XXXX when we already paid the taxes owed on our property.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting a freeze be placed on my credit report due to a possible breach of my account and my identity being compromised. I am requesting a security PIN be sent to me from XXXX, XXXX and Transunion.
Product: Debt collection

Ohio statute of limitations states I can not be sued on a debt that I fell delinquent on or made last payment on that is more than 6 years. Case # XXXX account number XXXX is for an old cell phone that the original case was from 2008 which means fell delinquent more than 8 years ago and no payments were made in 8 years which falls under statute of limitations and Liberty Credit is wrongfully attempting to garnish my wages and bank accounts. My name is XXXX and I can be contacted at XXXX or via email XXXX
Product: Mortgage

My landlord is in violation of the CDC order by trying to evict me and my XXXX husband who had a XXXX and can not handle this XXXX. He could possibly have another XXXX that could possible be fatal this time. We are going through the courts and I have sent a signed CDC declaration to the court and my landlords. My landlords and their attorney have tried using self-help eviction tactics of harassment which is illegal. I want them to the max in damages in small claims court. I would also like to file a complaint against the landlords lawyer if who is also trying to collect money from this court battle. We are constantly being harassed and threatened by the owners coming by and stalking us, sending the wife 's sister by who broke the front door glass window in which I called the police and they couldn't do anything about it because it was already in a civil court. This incident sent my husband to the hospital with a XXXX XXXX of XXXX which could have caused another XXXX or XXXX We have been sending the rent per to the order of the court and the owners and their lawyer is making it difficult for us to pay requesting a huge amount of money that they know we can not afford. The courts are not honoring the Moratorium therefore, we shouldnt have had to pay at all and the courts should have known this. My attorneys quit on me because they kept charging me more and more during the Moratorium and now I am dealing with the courts via Pro Se and the courts know I have tried my best to keep up with rent while also seeking government rental assistance with the Texas Rent Release Program which is all included on the declaration that I signed. I would like to take them to a higher court verses an eviction court that I'm acting as Pro Se. We are scheduled to receive a " Emergency Writ of Possession '' sometime this week or the next week. 
I would also request a jury trial if I lose in the first court. If need be I have all the necessary documents including a doctors statement to submit to prove my case. This has been ongoing since XX/XX/2020 to date.
Product: Vehicle loan or lease

A Special Needs young man, entered XXXX XXXX XXXX on XX/XX/XXXX located at XXXX XXXX XXXX XXXX NY XXXX to ask questions about a car and left with a XXXX XXXX XXXX XXXX. XXXX from the sale of the car has the dealership as : XXXX XXXX XXXX XXXX XXXX. XXXX NY XXXX and XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX. XXXX NY XXXX. The dealership convinced an Intellectually & developmental disabled young man that he could afford a XXXX XXXX XXXX XXXX. He told them that he only makes about {$20000.00} per year, has coop maintenance fees of {$640.00} per month, has electric payments close to {$100.00} per month, along with other bills. They told him he could afford this car if he traded in his current car ( a XXXX XXXX XXXX that we purchased just 2 months ago for {$18000.00} from another dealership ). They traded his car for just {$12000.00} ( yet they put in the paperwork that they gave him {$11000.00} for his car trade & as if he gave them {$500.00} cash. That is false. No cash was given. He didn't even have the title to his XXXX with him, as he just went there to ask questions. I have proof of the XXXX XXXX, the exact vehicle listed online at {$30000.00}, yet the paperwork shows a sale price to my son at {$40000.00} ( & says " total cash price '' of {$47000.00} ). His credit score is at about XXXX, showed XXXX student loans ( & I also showed the dealership a collections agency letter received on XX/XX/XXXX ). They gave him an interest rate of 22.9 % for 72 months ( that's almost {$900.00} per month ) and had him sign a " no cooling off '' form claiming that by law it had to be signed. I was told this as well by them & I have proof of them stating this to me. They also told my son that he had to take a picture with the vehicle and leave a review on their website before leaving the dealership. I ( his mom ) returned to the dealership within 24 hours of the purchase ( I have proof of this as well ). We brought the car with us, asking if we could leave the XXXX XXXX on their lot so it wouldn't be touched or driven until we received the new title, & we asked if we could then have his XXXX back. We were told its not their problem & if someone wants to buy his XXXX, they're selling it. I showed my son 's IQ score, medical diagnosis ', disabilities and explained that I am in the process of getting Guardianship. This dealership is 1 month old. They took full advantage of this young man and offered no help. Shame on them! They purposely had him sign a " No Cooling Form ''! They know exactly what they did! Shame on them!
Product: Money transfer, virtual currency, or money service

PayPal Credit deceptively limiting customers access to their financial information across all mobile platforms. 

PayPal Credit does not show mailed-in payments received NOR promotional balances on my mobile app ONLY payments received on my laptop. I can not see a mailed in the payment received/promotional balances either through my mobile app, using an internet browser on my phone, nor when accessing the desktop site in my phone browser. 

This is surprising being that they strongly push their mobile payment options through XXXX pay or pay at register marketing ( e.g., XXXX ; XXXX XXXX ). 

I mailed in a payment on XX/XX/XXXX but by XX/XX/XXXX had no clear indication the payment of XXXX from XXXX was received though checking my PayPal account regularly on my phone I contacted customer service on XX/XX/XXXX. They directed me to a computer and noted that some of my personal financial information is inaccessible in across all mobile formats ( e.g., mailed in payments/promo balances ), though my balance may reflect the difference. This creates increased risk that I will incur unanticipated interest and fees.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year>, I applied for a Solo Funds short-term loan in the amount of {$330.00}. I received the full amount on that day and I immediately withdrew {$150.00} from my solo wallet account to my debit card. A couple of days later I tried to withdraw the rest of the {$150.00} amount and the app would not let me due to a " debit card verification issue ''. I reached out to Solo Funds because I was going to have to repay my loan to avoid any collections however, I still could not access my full loan amount. I repaid the original loan on XX/XX/year> and noticed that the {$150.00} was completely missing from my solo wallet. I have reached out to the company multiple times requesting my money back and they reply that they are still working on the issue and that they had a merger with another bank that is causing them this issue. I just want a refund of the money that I am owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed that there are late payments remarks that's damaging my credit. Equifax, hasn't updated the accurate reporting of my accounts that do NOT accurately reflect my payment history. According to the Information I have on record, all of my accounts are in GOOD STANDING or paid off. These inaccuracies are affecting my credit score and, consequently, my ability to secure favorable financial terms. Under the UCC, particularly UCC 3-301, it is stated that a person entitled to enforce an instrument must be able to prove the validity of claims made against an account. In this case, I challenge the validity of the late remarks on my credit report. I request that you investigate this matter and provide me with the documentation that verifies these claims. ( FCRA ), I have the right to dispute any information that I believe is inaccurate or incomplete. I kindly ask that you perform a thorough investigation and remove these negative late remarks from my credit report as are erroneous. I look forward to a response within 30-day period as mandated by the FCRA. Thank you for your cooperation!!
Product: Credit reporting or other personal consumer reports

Identity theft, unknown person took a car loan/loan for {$20000.00} under my given title XXXX XXXX XXXX Here are the details below : Acc type : Revolving Condition : Open Responsibility : Authorized user Payment status : current Creditor info XXXX XXXX XXXXXXXX Account age 8months Opened on XX/XX/year>
Product: Debt collection

court judgement to me. collection bought original debt many times from lawyers, collections agencies. Paid for 3 years with no principle payments reduced.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached are my Loan details from XXXX showing my student loans are PAID IN FULL. 

Why is XXXX being allowed to report to my ALL credit reporting agencies that I OWE them and have LATE PAYMENTS. 

If the account is PAID IN FULL, then why is XXXX reporting LATE PAYMENTS/COLLECTIONS? 

These are records from XXXX themselves. 

See attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notice this week that my credit score with Experian dropped 39 points due to my credit history category changing from excellent to good. The change was noted to be a result of the oldest acount on my record closing at the end of XX/XX/XXXX. 
I did not close the account. It was in good standing with a XXXX balance for over a year. It did not close due to ANY financial misstep on my part. It closed because the company ( XXXX ) went bankrupt and closed the chain of stores my account had been with for three decades. 
The loss of available credit can not possibly warrant a 39 point drop because my major credit card recently INCREASED my credit line, virtually the same amount, thanks to my excellent payment history with them. So my total credit available has barely changed. 
I am filing a complaint with Experian as well but want to let them know that their business practices, which penalize the consumer for the poor corporate management strategies of companies they do business with, is ridiculously misdirected and has been reported. Id like the 39 points restored and my excellent history left intact. Thanks to Experians actions, my good credit rating dropped to Fair and puts me at possible financial risk going forward.
Product: Credit reporting or other personal consumer reports

I sent letters on XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> requesting investigation into inaccurate information.
Product: Debt collection

( Portfolio Recovery ) IS REPORTING THESE ACCOUNTS ON MY CONSUMER REPORT THAT IS UNVERIFIED AND INACCURATE AND PAST THE STSATUE OF LIMITATIONS, AND PAST THE STATUE OF LIMITATIONS FOR COLLECTION. ( 4 ACCOUNTS ) THIS IS A VIOLATION OF THE FCRA AND FDCPA. THIS ACCOUNT/ACCOUNTS NEEDS TO BE DELETED IMMEDIATELY. IF THESE ACCOUNTS ARE NOT DELETED WHITIN 7 DAYS I WILL BE SEEKING REMEDY UP TO {$1000.00} PER VIOLATION UNDER THE FCRA AND FDCPA FOR EVERY VIOLATION AND EVERY MONTH THESE ACCOUNTS HAVE BEEN REPORTING ON MY CONSUMER REPORT. I WILL ALSO BE SEEKING FOR STATUTORY AND PUNITIVE DAMAGES AS WELL. I WILL BE TAKING LEGAL ACTION AGAINST ( PORTFOLIO RECOVERY ) BECAUSE YOUR COMPANY IS THE ONE REPORTING THE ACCOUNT ON MY CONSUMER REPORT. EVEN IF YOU ARE HIRED OR CONTRACTED BY ANOTHER COMPANY, I WILL BE SEEKING AND TAKING ACTION AGAINST YOUR COMPANY. YOU HAVE 7 DAYS. THANK YOU.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX is not reporting that I have a {$0.00} balance on my card to Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is hereby referred to as The Company. XXXX XXXX is hereby referred to as The Consumer. The Company is reporting bankruptcy case number XXXX as belonging to The Consumer. The Company claims to have verified said bankruptcy via a public records database named PACER, but the address listed on the PACER database does not belong to The Consumer, nor does it match the address listed on The Consumers, consumer report. The Consumer has already disputed the address on the above mentioned bankruptcy with The Company and is awaiting response.
Product: Credit card or prepaid card

MDear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to file a formal complaint against Barclay for their refusal to grant me online access to my account and their lack of responsiveness in allowing me to speak with a manager in a timely manner. Additionally, I am facing difficulties in making bill payments, with no available resolution to remove negative marks from my credit report. 

I have been a customer of Barclay for 3 years apparently. However, despite numerous attempts to gain online access to my account, I have been repeatedly denied without any valid explanation. The lack of online access severely limits my ability to manage my account effectively and stay updated on my financial obligations. 

Furthermore, when I have attempted to speak with a manager to address these concerns, I have faced significant delays and obstacles. Customer service representatives have been unhelpful, unable to provide appropriate solutions, and have not escalated my concerns to the appropriate level. 

Another issue I am facing is the absence of a clear resolution for paying my bills and resolving any outstanding debts. I am willing to fulfill my financial obligations, but I have not been offered any viable options to pay off my debt and have it removed from my credit report. 

I kindly request the following actions : 1. Investigation : I request that the Consumer Financial Protection Bureau conducts a thorough investigation into Barclay 's practices regarding the denial of online access, lack of responsiveness, and failure to provide appropriate payment resolutions. 

2. Remedial Actions : I ask that appropriate actions be taken to ensure Barclay provides me with online access to my account, facilitates timely communication with a manager, and offers a feasible resolution to pay off my debt with the removal of negative marks from my credit report. 

3. Enforcement : If any violations or non-compliance with relevant consumer protection laws and regulations are found during the investigation, I urge the Consumer Financial Protection Bureau to take appropriate enforcement actions to hold Barclay accountable. 

I have attached relevant documentation, including correspondence with Barclay, to support my complaint. Please find them enclosed for your reference. 

Thank you
Product: Debt collection

I am now being harrassed & receiving correspondence through mail from this company after it was removed from my credit file.
Product: Credit reporting or other personal consumer reports

I am writing a complaint about incorrect information on my credit report which is showing XXXX late payments on this account XXXX XXXX XXXX 
XXXX. 
I was never late on my payments and never notified about it. Please investigate and send me the proof of this lateness otherwise delete this information from my report.
Product: Credit card or prepaid card

I disputed a fraudulent rental car charge from XXXX at XXXX XXXX XXXX on my American Express card through their website several times as well as wrote a dispute letter to them with evidence, but they have yet to remove the charge which is now going on 4 months since the charge ( XX/XX/22 ) ( {$280.00} ), and now they have reported me to collections on top of things.
Product: Credit reporting or other personal consumer reports

Dates for XXXX and XXXX Dispute of Inaccurate Bankruptcy Reporting To Whom It May Concern, I am writing to formally dispute the bankruptcy record listed on my credit report. The bankruptcy information reported is inaccurate because the filing was never completed or finalized. Specifically : - This report for XXXX is listed on one credit bureau but not all of them - The bankruptcy petition was filed but was not processed or XXXX by the court due to non-payment of the filing fee. 

Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to report accurate and verifiable information. I am requesting that you : 1. Investigate the bankruptcy record listed on my report.

2. Verify its accuracy with the court system.

3. Remove the inaccurate bankruptcy record from my credit report if it can not be verified as a finalized case.

Please complete your investigation and provide a written response within 30 days, as required by the FCRA. 

Thank you for your attention to this matter. I look forward to your confirmation of the removal of this inaccurate information. 

XXXX
Product: Credit reporting

This has been an ongoing issue for the last 10 months. I disputed this with each of the credit reporting agencies 3 times each, sent the company an E-Mail once and even a certified letter. As of today, the result was in compliance with FCRA or pending. 
Cavalry is a debt buyer that has bought my XXXX account. I did own up and knew this was my debt so I paid for it to Cavalry. 
Back last XXXX, XXXX XXXX I noticed that XXXX had aged off my credit report, and that the collection account remained. It is my understanding that collection accounts are deleted at the same time as the original account. I disputed this XXXX XXXX and reported the response back that it meets FCRA Guidelines. I tried to dispute again in XXXX XXXX and received the same response. XXXX XXXX, I am disputing this again and I am awaiting the investigation results. 
In the meantime I E-Mailed Cavalry in XXXX XXXX and received a response. " Cavalry reports account information to the credit reporting agencies consistent with the industry mandated 'Metro 2 Format ' reporting guidelines. Unfortunately, we are unable to honor your request to remove Cavalry 's credit reporting. " I honestly do n't care what software they use, point is there is a problem at their end and just because they use the required software should not mean its OK to make an error. 
I did also sent Calvary a certified letter, pending delivery but feel I will be receiving the same response. 
So I have credit reports going back 10 months showing that XXXX is NOT listed on them. But on those same credit reports I am showing the collector Cavalry is listed, with a note that is is a collection account for XXXX ... but there is no entry what so ever for XXXX. Cavalry is consistently refusing to help me, I even give references to articles on collection accounts being deleted with original accounts but they are not even budging. From everything I read this collection account should not be listed on NONE of my credit reports. They obviously continuing the debt longer then it should be on my reports, because the original entry is at all no longer listed on my credit reports. I gave it more then enough time in case of a simple month or so delay in reporting but 10 months later of reporting a collection on an account that has already aged off my credit report ... that is at least 10 month that I know of. 
I am going on this issue aggressively this time around because it is an issue that can not wait any longer on getting corrected. 
Again, I may be repeating my self, but I have a collection account that still hanging on my credit report where the original creditor has aged off my report. This has been happening for at least the last 10 months and Cavalry refuses to correct this.
Product: Debt collection

I am filing this complaint because Portfolio RC has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
Product: Consumer Loan

I recently purchased a vehicle through a XXXX in XXXX XXXX, NY. My loan for thevehicle was financed through XXXX Bank. 
On XXXX/XXXX/15 Honda Financial sent me aletter stating that they had been unable tooffer me credit " on the terms originally requested '' and that " our subsequent counteroffer has sinceexpired. '' The problem here is that I have nodocumentation of Honda Financial ever making aloan offer to me, nor do I have any record ofHonda making a counteroffer. The referencenumber on the letter from Honda is XXXX. Furthermore, Honda said that I couldobtain written documentation on reasons for theirdecision by contacting their XXXX, XXXX officeat ( XXXX XXXX XXXX. But when you call that number, Honda claims that you need to make the requestin writing. Their XXXX XXXX letter to me makes noreference to the need to make the request inwriting, versus by phone.
Product: Money transfer, virtual currency, or money service

Cash app had no one to talk with. I had to call the bank to get funds back. That took time for the bank to reimburse me for those two funds. One my cash app address was stolen. I had no assistance from cash app. The company has no love agents to assist.