23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On the XX/XX/XXXX the amount of XXXX was sent from my XXXX XXXX account to a lawyers office account at TD BANK. The recipient responded via email that TD BANK refused the transaction and that the funds would be returned. 

XX/XX/XXXX I made a reacall of the funds via XXXX XXXX XXXX department. I have confirmation of the recall. 

XX/XX/XXXX The lawyers office sent me the information of his financial service rep at TD BANK to contact him because he was not getting through in the return of funds. 

XX/XX/XXXX The financial service rep contacted me and said he was not at liberty to discuss anything about the client with a third party. 

XX/XX/XXXX The recipient said that the funds would be returned within XXXX to XXXX business days. 

XXXX Via XXXX 's TD BANK DM I escalated this transaction and was told they would contact me in 3 days XXXX The recipient contacted me saying he will send a letter to TD BANK threatning legal action.
Product: Vehicle loan or lease

I traded in my XXXX Honda CRV which I have purchased with XXXX Honda with GAP insurance and Comprehensive Insurance with XXXX XXXX through XXXX Honda. When I purchased a new XXXX Honda CRV at XXXX XXXX Honda they told me to contact XXXX XXXX to cancel the above insurances to get whatever I was due back. XXXX sent me the forms and told me to fill them out and send them to XXXX Honda and ask them to submit them to XXXX for reimbursement. XXXX Honda told me that I do not get back the comprehensive ins. since it is used towards the payoff of my XXXX loan. I called XXXX XXXX and they said no, it was not used. I actually have a copy of the payoff amount I obtained online which is like {$20.00} less than what I paid. I let XXXX Honda know this, and sent the forms. I called XXXX several weeks later and they only received the cancellation for the GAP insurance from XXXX Honda and as of this date, I have still not received any reimbursement whatsoever. I know there was a lawsuit in California with Honda about them retaining the GAP insurance reimbursement. I don't even know how much I'm due, but it's the principle at this point. I paid for it and I cancelled it, so why should Honda or XXXX keep the money?
Product: Mortgage

I purchased my property in XX/XX/XXXX. The bank that was financing the property was Home Point Financial. In XX/XX/XXXX, I decided to refinance the property and made the closing on XX/XX/XXXX. For some miscommunication between the XXXX XXXX and Home Point Financial, the wire transfer with the pay off amount was not submitted on time, they said because it was sent with a different amount. It was not my fault, I called and spoke to them several times. The supervisors even assured me that they were going to remove that from my credit report because they had already reported me. I trusted in them, now when I check my report, it is still there. There is serious delinquency in my credit report. I opened a dispute with XXXX  Credit Bureau yesterday, they contacted me today with the result. They communicated with Home Point Financial and they said that the information is accurate. It will remain in my credit report. It has affected me financially, that's insane! It was not my fault the miscommunication between them and the XXXX XXXX " XXXX XXXX XXXX XXXX ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account needs to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$5500.00}
Product: Mortgage

Company Name : Mr. Cooper ( formerly known as XXXXXXXX XXXX ) Loan Number : XXXX Complaint : I am writing to file a formal complaint against Mr. Cooper regarding my mortgage loan, number XXXX. Since my loan was transferred to Mr. Cooper in XX/XX/XXXX, I have experienced significant difficulties communicating with the company and have faced unjustified and burdensome increases in my monthly payments. 

In XXXX XXXX, I was notified that my monthly payment would increase by {$800.00} in XXXX. I have made numerous attempts to contact Mr. Cooper by phone, through their online portal, and via email to discuss this issue, but I have been unable to reach a live representative. When calling, I am repeatedly routed back to the automated system, and on the one occasion I reached a live person, I was told the system was down. 

The complaint research department has promised to have someone call me back since XX/XX/XXXX, but no one has. Today, I received notification that my mortgage payment will increase again, this time by an additional {$100.00}. 

I am currently facing financial hardship due to over {$80000.00} in medical bills related to a XXXX XXXX XXXX XXXXXXXX in XX/XX/XXXX and XX/XX/XXXX. These unexpected payment increases are causing me immense stress and hardship. 

I have requested that Mr. Cooper reassess my escrow and spread any arrears payments over 24 months to alleviate the burden caused by their failure to charge the correct escrow amount. To my knowledge, no reevaluation has been done. 

During the one phone conversation I had with a representative, I was told the system was down, but they agreed to reduce my payment to {$3100.00} per month and promised to call me back. This never happened, and my payment was not reduced. 

My original mortgage payment was approximately {$2800.00}, which increased to {$3500.00} in XXXX and is now set to increase again to {$3600.00} on XX/XX/XXXX. I was only notified of this latest increase this week, despite the previous increase not being resolved. 

I request that the Consumer Financial Protection Bureau investigate this matter and assist me in obtaining a resolution. I urge Mr. Cooper to reassess my escrow, spread arrears payments over a longer period, and reduce my monthly payments to a manageable amount given my current financial hardship. Additionally, I request that Mr. Cooper improve its customer service practices to ensure borrowers can reach live representatives when needed. 

Thank you for your attention to this matter.
Product: Credit card or prepaid card

I had Citi XXXX XXXX XXXX for the last few years. I have recently not used my credit card due to frequent travel to abroad. Citi just closed my credit card without notifying me. My credit score dropped almost 100 point. I called them and they told me that they usually do not notify their customers. I was about to get loans and this situation impacted my financial circumstances. 
I know that some of other banks have a policy that usually notify their costumers about any actions they may take. 
I was wondering if this action is legal or illegal.
Product: Checking or savings account

I was named as one of the person in XXXX XXXX XXXX class action suit me and my mother who has passed away in XX/XX/XXXX ( god rest her soul ) she was my co-signer on my auto loan in Nevada state. XXXX XXXX was aware of her passing and issued me a check for XXXX for the damages in which they decided was a far amount when i recieved the check it said to the astate of my mothers name and then my name with her being dead they should have not even put her on the check and if they where going to do that they should have said or instead of and so i took the cashers check signed the back of the check to my daughter and she depoited to her account with key bank. They emailed her and said that the funds would be released in 5 days and then 2 more, she called the bank and told them who her dad was and how it was his cashers check they said oh we do not cash 3 party checks i stated that it was a cashers check it did not matter.my daughters account had a fraud hold on it ment she could no longer do anything with that account. They held the funds in her account for 30 days. And she had her direct depoist from work put into the same account. She was able to go to the key bank and they wrote her a check for that amount depoisted and she took it up to the teller and they cashed it for her, on a account that was on a frozen account but there was never any fraud done on the account .They where aware that my dad signed that check over to my daughter and it was her account so where is the fraud on the account. 33 days later the funds are gone and her account is not frozen anymore so i called key to see where the funds went i assumed they set it back to wells fargo no they put it into a fraud account and said i needed well fargo to write a hold harmless agreement to release the funds wells fargo said they would do any thing they wanted, but they cashed the cashers check and they can not do anything when they took the money if the money was sent back and the just held onto the check that would be totally different. They cashed it. So if i did not want to do that my last option was i could open astate account for my dead mother etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. I'D REALLY APPRECIATE IT IF YOU UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : 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
Product: Mortgage

I have been a quality mortgage borrower for close to 2 years. I have never missed a payment and have good credit. My mortgage was transferred from XXXX to NEWREZ. I received a letter saying my automatic monthly payment ( ACH ) would be automatically transferred over as well. I called NEWREZ to confirm this and the lady said that everything was set there was no issues. My mortgage has always been automatically deducted on the XXXX of each month. On the XXXX of XXXX, the first month money would need to go to NEWREZ, I got a call from my bank that I was over drafted. I called and found out NEWREZ had taken the payment out on the first rather than the XXXX. As a reminder I had called in advance and their representative had told me thats not what would happen. I called them immediately and they told me they would transfe the money put back into my account within 24-48 hours. I called the next day to make sure it was being done as I had already suffered multiple overdraft notices and fee 's. This was a Friday. The representative assured me the problem had been elevated to a supervisor and was being expedited. The rep even recited back my bank and referenced the account number it was to be transferred. On Monday after calling my bank I discovered the money still had not been returned and it was not scheduled to returned. I called NEWREZ again! When I got ahold of a rep they said that they MAILED me a check. I told her that this was not acceptable. The money was electronically transferred out and I wanted transferred back in immediately as I was overdrawn and suffering fee 's because of their mistake. The rep said he would speak to his supervisor. When he came back he said that his supervisor told him that because of Covid automatic transfers were slower than mailing a check. That is ridiculous. There is no comparison. An ACH transfer is instant. I called back and asked to speak to a supervisor. I told her that my money was transferred out electronically and could be returned in the same way immediately. She said it could not be done as there would be a month or two delay that way!!!!! She was uncaring, smug and offered no option other than waiting for a check. I asked to speak to her supervisor. I was told it would be 24-48 hours before I could speak to her. It has been 48 hours. I continue to suffer overdraft fee 's. I was lied to and they refuse to promptly return my money. There should be repercussions for this. I have already contacted my bank about moving my mortgage, but this company needs to be held accountable!
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, ( XXXX, XXXX, Equifax, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( XXXX  account # XXXX ) I am Attaching identity and proof of address.
Product: Credit reporting or other personal consumer reports

I have the right to privacy My information was part of the data breach
Product: Money transfer, virtual currency, or money service

We sold some old XXXX Ornaments and the person who bought them wanted to use PayPal. I did and PayPal shows that I received {$360.00}. However, PayPal won't let me transfer that money to my linked bank account. I've tried contacting their Customer Services via chat, phone, and XXXX and the XXXX team was the only one that I was able to correspond/communicate with. They first said maybe it was account limits, but this is way under the {$25000.00} limit in the documentation they provided. Then they suggested maybe there was something unresolved, but there is nothing in their resolution center that is open or indicates an issue. Then they suggested waiting for 12 hours in case there was an issue in sending the money to the bank. I waited nearly 24 hours but have the same issue.

So then they said that " When you attempt to add a card, withdraw, or send payments, we check for unusual factors associated with the particular transaction. The unusual activity can be accessing your account from a different region, usage of unrecognized or restricted networks like VPN, public networks, or an abnormal transaction. '' They then suggested waiting for another 48 hours so that their system can clear any flags. But they can not tell me what flags there are, if there ARE actually flags, or if there is another issue. Apparently their internal security system is automated and no one at PayPal can see what it does or why it does anything, so they don't actually know what's going on with my account. All they can say is " keep waiting '' for the mysterious automated system no one can review decides to let me transaction go.

My account is verified linked properly, and I've previously confirmed my identity with PayPal with my driver 's license and other documentation they use for verification. I reside in the U.S., have tried the transaction on their mobile app on the XXXX network, their website ( XXXX  and desktop & laptop on home networkXXXX, & work laptop over corporate VPN ) with multiple browsers, and nothing works. I've had PayPal for nearly 20 years so I'm not a new sign up, but for whatever reason they won't release my money and can't tell me why they won't release it.
Product: Credit reporting or other personal consumer reports

What happened ( Identity Theft ) : Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XXXX, XXXX under the account number, ( XXXX ), another personal credit card account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal credit card account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ) an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal loan account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), a collections account opened at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$830.00} that appears related to the aforementioned personal loan account opened at XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, and collections are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

To whom it may concern : When I made the decision to use my rights under FCRA, it was with an eye on challenging any information found in credit reports that are not accurate. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness. This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation. I know that you cant just decide which rules apply to your organization, so I won't let anyone report any false claims. It's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as XXXX XXXX standards. For any negative account I demand documentation / proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/ claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report. Either confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, SS # XXXX, XXXX XX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S. Code 1681c-2 ) that you, the EQUIFAX credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Personal Credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/XXXX under the account number XXXX, a Personal Loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/XXXX under the account number XXXX.
Product: Debt collection

XXXX called me and want me to pay full amount or will dispute at court for the company called XXXX. I called XXXX they said I dont have an account with them. XXXX have all information like SS, address, bank account ( which I dont have anymore ). They claim I took a loan from XXXX since 2018
Product: Debt collection

I was paying XXXX the collection agency payments but turns out they are fake and Medicredit are the ones that were handling my debt but they had the wrong address for me so I never received anything from them but instead I received information from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDITOR DISPUTE CREDIT INFORMATION XXXX XXXX XXXX XXXX XXXX I, XXXX XXXX, believes that the account I had with the determined creditor was posted as either a charge off, or has excessive late payments that were deliberately placed after I got involved with XXXX XXXX XXXX. What happened is that XXXX XXXX XXXX let these accounts go into a charge off status before they came up with a settlement arrangement. Therefore, the charge off status on these accounts were caused from a pre-arranged relationship with XXXX XXXX XXXX and the original creditor and/or debt buyer. This is a collusion business practice where the consumer can not successfully negotiate herself out of debt without a long-term derogatory statement on her credit report. Accordingly, I believe that each creditor must fulfill a fair solution to the creditor arrangement now posted on XXXX, XXXX and Trans Union respectively. 
XXXX ) The original creditor must delete the prior-payment history completely. 
XXXX ) A date certain must be stated as to when the credit tradeline can be removed. 
XXXX ) The charge-off status must be deleted permanently. 
All creditors maintain a subscriber agreement with the credit reporting agencies. These creditors must comply with all legal guidelines of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act pertaining to credit reporting on all consumers. However, the charge off status was forced by the debt negotiations company, and the late payment excessiveness was by design, not by any action from me personally. Accordingly, I believe the following actions by the original creditor on all credit updates will be fair under the circumstances : 4 ) The original creditor must delete the prior-payment history completely.

5 ) A date certain must be stated as to when the credit tradeline can be removed.

6 ) The charge-off status must be deleted permanently. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it.
Product: Debt collection

This account are sent to the time of collection which I had no permanent residence, which I was working for XXXX XXXX XXXX. He had no stable residence and did not receive any material agency.
Product: Debt collection

I have noticed that my account has been reporting a charge-off every month. This consistent reporting seems to be reaging the debt, making it appear more recent than it actually is. This situation is causing undue harm to my credit report and overall financial standing. I believe this practice is misleading and does not accurately reflect my payment history. I would appreciate clarification on this matter and request that you review my account to ensure that it is reported correctly, considering all relevant factors. Thank you for your attention to this issue. 

XXXX XXXX XXXX