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

This is the second time this has happened with this company. Their collection calls are threatening as well as when you make a payment, they do not apply to the late charges say you have to notify them that you are paying late fees as well, but in the meantime, they will allow charges to mount and then try to repossess for the late fees. I spoke with a representative on Friday ( XX/XX/2023 ) and let them know that I now get paid once a month the rep asked if I needed more time and I indicated that I did, he offered a payment extension and I also advised that I could make 2 payments on the 30th of the month. He said that would be ok and proceeded with the extension. The very next day on XX/XX/2023 another representative called, and I advised that I just spoken with a rep the day before and he stated because my arrangement wasn't an option that Westlake approved it was not acceptable, he proceeded to advise that my account was 16 days past due and up for review of repossession. He was very threatening, so I hung they have called nonstop since then. I have 16 more payments on this loan, please help me with this company.
Product: Money transfer, virtual currency, or money service

I listed an item on XXXX XXXX for sale. To be clear, I am not a business - just a guy who had an extra computer part to sell. A buyer approached me, we agreed on the price of {$670.00}, and he paid me using Paypal. I handed off the item as discussed, but later on in the day, the buyer disputed the transaction with Paypal, claiming it was unauthorized. 

Paypal then slapped a negative {$670.00} balance in my account. I provided the XXXX conversations discussing the sale, as Paypal requested. They then took a month to get back to me. When they did get back to me on XXXX XXXX, it was again a request for more evidence. They gave me a deadline of XXXX XXXX. I began gathering evidence and I filed a police report with my local PD. 

Then, on XXXX XXXX ( three days after giving the XXXX XXXX deadline ), Paypal told me my case was resolved in the buyer 's favor. I told them repeatedly that they had not held up their end of the deal, since they had told me I had until XXXX XXXX At this point, I realized that every time I was talking with Paypal XXXX it was with a different person who either didn't have access to previous conversations or did not care to read them. Each time I engaged with Paypal online, it was as if I was bringing the problem to their attention for the first time. At one point, Paypal customer service even accused me of being the one who disputed the transaction when clearly I did not. It showed me that they had no understanding whatsoever of the issue and just wanted to clear out their inbox. 

On XXXX XXXX, I had a call with a customer service representative named XXXX. She repeatedly told me I did nothing wrong, and was sorry that I had to deal with this. At this point, I thought I was in good shape because Paypal was telling me I did nothing wrong. Except they never wiped the debt and they bungled the admin dealing with the case. 

Paypal did re-open the case, which is currently pending. That said, they closed the old one in the buyer 's favor. So, now I am getting multiple calls daily from Paypal 's collections department, harassing me to pay this {$670.00}. This is a huge deal for me, not just because the calls are annoying, but because I hold a government clearance. Financial issues such as unpaid debts are a huge factor in determining people 's clearance. 

I am a XXXX XXXX  and current servicemember in the XXXX XXXX. As an XXXX in the XXXX, I am not predisposed to lie, cheat, or steal. I don't understand why Paypal would even offer me the opportunity to present evidence if they were so willing to resolve in the buyer 's favor and send me to collections. I feel alone in this fight and afraid that I will have to cough up {$670.00} in order to clear my name. I was the one who was wronged and yet I am the one who is paying for it now. Please help me.
Product: Bank account or service

XXXX # XXXX This is the response I received from you and there was NO attachment. The case has NOT been settled, however I did speak with XXXX from the executive offices of Capital One XXXX XXXX pin XXXX. She is supposed to get back to me the end of this week. 
An agency may not conduct or sponsor, and a person is not required to respond to, a collection of information unless the collection of information displays a valid control number assigned by the Office of Management and Budget ( OMB ). The OMB control number for this collection is XXXX, expires XXXX/XXXX/2018. 
Sincerely, XXXX XXXX XXXXXXXXXXXX XXXX
Product: Debt collection

I closed my account with XXXX phone company in XX/XX/2021 and also paid the balance before the due date. I called their customer service week later and verified my acct. was closed and no balance was due. When the XXXX phone bill arrived I called again and was told again my acct. was closed with {$0.00} due. Despite my acct. being closed, XXXX continued to bill me for several months even though several on-line inquiries and phone calls showed my acct. was closed. 
I was not informed by XXXX that they had sent my incorrect unpaid balance to a collection agency. EOS CCA of XXXX is attempting to collect {$420.00} on behalf of XXXX. The EOS CCA acct. # is XXXX. My XXXX acct. # was XXXX. I have received a collection letter from EOS CCA and replied today to said letter informing them I am disputing this fraudulent debt. 
All my phone calls to XXXX 's acct. cancellation and billing services phone numbers were answered by a contact service in XXXX or XXXX.These service representatives command of the English language was very basic and I have no way of ascertaining if they forwarded my acct. closure requests to XXXX in a timely manner, if they did so at all ; because it seems XXXX only closed my acct. due to the incorrect unpaid balance. 
Thank You for your attention to this matter. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. The following personal information is incorrect Account Number : EMPLOYER : XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XXXX 3. The following personal information is incorrect Account Number : EMPLOYER : XXXXXXXX XXXX 4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account.
Product: Credit card

I filed a complaint with CFPB originally on XX/XX/2023. A balance transfer was completed on XX/XX/2023 but returned XXXX weeks later on XX/XX/2023 for an unknown reason. As a direct result, I was left with a credit balance that is nearly double the credit limit. 

Capital One was unable to give a sufficient explanation and has since destroyed my credit. I can not qualify for any other type of lending, i can not qualify for any other type of housing and I am primarily paying finance charges each month, rather than making any progress on paying down the principal balance. 

I have called and spoken to Capital One on a number of occasions. I've requested to apply for an increase, a balance transfer, to negotiate a settlement agreement, and a few other suggestions to help pay down the balance I owe. Due to my bad credit score, capital one denies me, regardless of their role in causing my credit score to drop. 

I am barely paying down the principal balance XXXX $ per month, which will take 18 years at minimum. I can not seem to get any assistance to negotiate such an abusive tactic and as a single parent to a toddler, I do not have room in my budget for this. Capital one is using discriminative practices due to my class, gender and familial status in an effort to keep me indebted to them at unreasonably high rates. I also feel that it is an abusive practice to compromise the integrity of my credit score as a way to keep my account with them and collect payment from me.
Product: Mortgage

I'm trying to sell my home and there is a XXXX  lien on the title report. The loan was taken out in XXXX with XXXX/GMAC who went bankrupt and it was transferred to Ocwen. I received a letter from Ocwen stating they will be serving the loan on XX/XX/XXXX on behalf of XXXX XXXX XXXX XXXX. Ocwen is now PHH Mortgage. When my escrow company went to order a payoff they stated they couldn't find my loan. We provided my name, address, social, my ex-husband 's social, and the loan number and they still can't find my loan. I also called XXXX  and they showed the file as inactive and they showed Ocwen as the servicer and XXXX XXXX  as the trustee. 

I need either a payoff quote, XXXX demand letter, or release of lien so that I can sell my house. We're supposed to close escrow on XX/XX/XXXX. 

If Ocwen is no longer the servicer then I need to know who is the new servicer. I haven't received anything from Ocwen since XXXX which was a privacy policy notice letter. The title company has stated there is no assignment of mortgage recorded. 

I've attached a letter from the PHH stating they can't locate the account, a copy of the recorded lien, title report showing the lien, XXXX  findings showing Ocwen, and letter from Ocwen showing the will be servicing the loan.
Product: Debt collection

15, United States Code ( 15 USC 1692f ), is a provision within the Fair Debt Collection Practices Act ( FDCPA ). This section outlines various types of practices that debt collectors are prohibited from engaging in while attempting to collect a debt. It includes activities such as : Collecting amounts not authorized by the agreement or by law Accepting a post-dated check and then attempting to deposit it before the date on the check Communicating with consumers regarding debts by postcard Using any language or symbol on envelopes that indicates that the communication is from a debt collector Threatening to take action that can not legally be taken or that is not intended to be taken In summary, 15 USC 1692f specifies a range of practices that are considered unfair and abusive when collecting debts, aiming to protect consumers from inappropriate debt collection methods.

Unfair Practices 15 U.S.C. 1692f A debt collector may not use unfair or unconscionable means to collect or attempt to collect a debt. For example, a debt collector may not : Collect any interest, fee, charge, or expense incidental to the principal obligation unless it was authorized by the original debt agreement or is otherwise permitted by law.
Product: Payday loan, title loan, personal loan, or advance loan

I took financing plan from XXXX and bought a phone. But after some days, I decided to return the item as I do not like the item. I returned the item on XXXX which was within the return window to adhere with the company 's return policy. I packed the item and dropped it into the box, on that day. On XXXX, I got an email from XXXX saying they receive empty box and denied my refund. I was shocked and realized someone stole the item during their way to XXXX. I explained the situation to XXXX and asked them to investigate but they only said they are not giving me any refund as they received empty box. So I ask affirm for help and try to dispute the purchase. But after waiting for a long time from affirm, I received an email from Affirm on XXXX saying they sided with company because company showed them proof. I showed the affirm my receipt, my situation, the photos of the boxes and explained the situation. But affirm denied all of my explanations and sided with the company which is not acceptable as a consumer who got suffered due to the bad service process. I already made a police report about this situation to get help in legal ways.
Product: Debt collection

On XXXX XXXX I sent a debt validation to Midland Credit Management in regards to their entry on my credit report. They received this letter on XXXX XXXX. In my letter I stated that I was not aware of any debt owed to them and to please remove their entry from my credit report. On XXXX XXXX they sent me a letter stating that they understand I 'm disputing the accuracy of their records but after reviewing the account they were unable to determine the nature of my dispute. 
In my letter to them I said I was n't aware of anything owed to them. That 's the nature of the dispute. On their letter to me at the top it has creditor name as Target and balance of XXXX. This is the same name and amount that is on my credit report. They did n't provide me with anything new about how and why I owe the amount. This is a blanket letter they send out to anyone that tries to get the debt Midland says is owed validated. They 've also continued trying to collect on the debt by sending a letter with payment options on XXXX/XXXX/2015 as well as updating my credit report with the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

A checking account that was supposed to be closed, was not closed. As a result, I was charged fees for account maintenance. The monthly fee took the account into an overdraft status. The account was charged off. 

When I later went to open an account with the same bank, I was advised that I had a delinquent account. The management reversed fees. I agreed to pay half. They agreed to remove the reporting from ChexSystems consumer report. It also should be noted that the account was reported twice on my ChexSystems as well. So not only should the account not have been reported at all, but it should not have been reported twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a auto loan with Ford Motor Credit Company that account went to collection but I was able to paid it off the full balance. Ford still reports that account to my credit report, please stop reporting that account, too old. Thank you very much for your help!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX {$6600.00} XX/XX/2019 My name is wrong on the credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses that are not mine : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX INQUIRIES NOT RECOGNIZED XXXX, XXXXXXXX XXXX XXXX Employers I have never worked for : XXXX, XXXX XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Debt collection

The company referred to as Affirm, was present as a delinquent debt on my credit report in which they wrote off and was not in collections. I contacted this company repeatedly offering to pay said debt as I was unaware of even the stoppage of automatic payments in which were set in place. I contacted them through challenging said remarks on credit via dispute on credit report. They, today responded via credit report that they are now not forgiven and has been provided to a lawyer to pursuit legal action. I voluntarily made this inquiry with remarks that told the company I wanted to pay and make this right due to my unaware of status. Now they negatively impact my credit by stating I am in collections when I attempted to do the right thing. Not one call or email nothing was done in order to ask for payment. Now they are holding up an emergency loan because of their recent comments due to my pursuit of paying them. This has dropped my credit over 74 points and now instead of being written off, they hit my credit and threaten me only because I reached out to them to pay said debt.
Product: Credit card or prepaid card

Iv got a Best Buy Credit card And on my last month on paying off on XX/XX/2016I payed the full amount of under {$100.00} at the store then couple years later iv decided to purchase a car from the dealer and they told me your Credit score was low because you missed 60 days on your Best Buy credit card payment which I strongly believe is not true
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + Equifax, This is in regards to my XX/XX/XXXX credit report. 

1 ) I have a new and updated letter from XXXX XXXX that says to remove the late payments on my credit report from XX/XX/XXXX and XX/XX/XXXX. 

2 ) I have a new and updated letter from XXXX  XXXX that says to remove the late payments on my credit report from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

3 ) I have a new and updated letter from XXXX XXXX that says to remove the collection account from my credit report. 

Attached to this complaint you will find : - drivers license - social security card - address - complaint - letter from XXXX  XXXX - letter from XXXX  XXXX - letter from XXXX XXXX - screen shots on my credit report where these are located Please have these removed as soon as possible as I am buying a home.
Product: Debt collection

Letter dated XXXX XXXX from XXXX XXXX XXXX XXXX XXXX stating {$2000.00} owed creditor : Capital One Bank, account # XXXX, file # XXXX. 
Attempting to collect a debt. 
No knowledge of any such debt.
Product: Debt collection

I Would be happy to settle any Financial obligation I may own as soon as I receive the following documentation form you. 
1 ) The Validation of debt which is actual accounting 2 ) The verification of your Claim against me, a Sworn Affidavit or hand signed invoice in accordance with The Bills Of Exchange Act of 1882, The Uniform Commercial Codes, The Federal Fair Credit Reporting Act and The Georgia State Statues of Lawful Purpose. 
3 ) A copy of the contract signed by both parties 4 ) Please also provide me with a True and Certified Copy ( not a photocopy ) of the Original Note under penalty of perjury and with unlimited liability and confirm that this Note has never been sold. 
5 ) Please also confirm the name of the Individual who is the Duly Authorized Representative from your company, who has carried out Due Diligences under The Money Laundering Regulations XXXX  and what actions he or she has taken in relation to this account
Product: Debt collection

XXXX XXXX XXXX MERCURY. Dear Sir/Madam, I am writing to formally demand that you Cease And Desist all communication with me regarding the alleged debt reference under account # XXXX, in according with the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c ( c ). Please note that any further contact from your agency, except for the purpose expressly allowed by law ( such as notification of legal action or final settlement ), will be considered a violation of federal law, and I will take all necessary legal action to protect my rights.
Product: Checking or savings account

Bank of America had been duped into modifying my name, adding an email address and phone number from mid XXXX through XXXX by a criminal in California. A place that We Ive never lived. All this done without notifying me. It took many phone calls and over 20 hours on the phone, in addition to 2 1/2 hours at the bank to restore my identity with the bank. 
All security measures, including a verbal password was put in place to thwart further attempts by the thief. 
On XX/XX/XXXX the thief, through a telephone agent was able to push through a transaction. Despite the verbal password and telephone verifications, this occurred nonetheless.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I discovered my checking account had been hacked after checking my balance on my mobile app. it happened at XXXX pm. central time zone. ( XXXX XXXX XXXX ). The description of the transaction was, person to person transfer. XXXX XXXX XXXX XXXX XXXX. I don't even know this person and I have never used XXXX period. They withdrew {$350.00}. I talked to my bank but supposedly they really can't do much ... and XXXX the same. Neither one wants to take responsibility for these fraudulent activity. I was told the funds went to a XXXX XXXX XXXX but have no trace of the phone number or who received it. Please help I am a father of 4 and a husband. They took my hard earned money. put me in a bind. XXXX has many of hack complaints they need to be financially responsible.
Product: Mortgage

Flagstar refuses to respond via email. This is my only form of communication. This is a new complaint, do not close it as duplicate. 

Flagstar, answer my questions below : The document you sent me to sign says my escrow balance is over XXXX, but on the phone, you said it's negative- which is it?
Product: Money transfer, virtual currency, or money service

Paypall loked my account. Back in iXXXX i was able to talk life on the phone. with customer service to transfer the money direct to my checking account. Never happened. I.m not able to use the automated sistem.it has my old phone number. There is no more life representative. Everything is automated help self service. My account is bloked. There was numerous e mails. Somebody try to hacked my account. Now is permanently bloked.
Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Reinvestigation of XXXX Account Dear Equifax Disputes Department , I am writing to request a reinvestigation of the XXXX account listed on my credit report, dated XX/XX/year>. The account reflects a reported balance of {$3000.00} and is marked as closed. 

I believe there may be inaccuracies in the reporting of this account. Please review all associated details, including payment history, balance, and account status, for accuracy.

I expect Equifax to verify this information with the original creditor and update or remove it as appropriate under the Fair Credit Reporting Act ( FCRA ). 

Please make sure that all aspects of this account are reported 100 % completely and accurately. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX