23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/XXXX/XX/XX/XXXX I started my own business. I lived in a condo with a mortgage. I applied for and received a Home Equity Loan from XXXX XXXX in order to finance my business. At first I was able to make the payments because business was still decent. The recession hit really hard and I lost almost everything. I had to declare bankruptcy but was just barely able to keep my condo. It was terrifying and exhausting. XXXX XXXX sold my loan to some bank in XXXX ( I have the details at home but am trying to type this out at work while I have a moment of spare time, I 'm sorry - I can add the details! ). I contacted that new holder of my loan and they told me that I did n't have anything to worry about - they were n't trying to take my condo - and they were simply going to hold the loan without charging interest or requesting payments and they would just take the money they were owed when I sold the condo. This " business loan '' was the only thing I was n't able to relieve myself of in my bankruptcy. That was years ago - and NOW there is a company ( West Coast Financing ) who apparently bought the loan and is now demanding payment PLUS and exorbitant amount of interest ( WAY more than I ever agreed to and WAY more than the original loan ). I ca n't make the payments and I never agreed to this. Now they have a local attorney who is taking me to court over this! There is a date set for later this week or next. I do n't know what to do. I do n't know who to turn to over this and I need advice as soon as possible. I do n't want to be take to court again over losing my business. My original mortgage was with XXXX ... everything about the loans I received was quintessentially everything that went wrong with all of the banking that caused the recession. I feel like I 'm still caught up in the teeth of the ramifications of easy lending and now very predatory practices. I never agreed to any of these terms! I think they want to foreclose on my condo - the only thing I was able to salvage after so many years of loss and hard work. Please Help!!!
Product: Checking or savings account

Chase Bank allowed my ex-husband, XXXX XXXX, to deposit two checks made payable to both him and me with only his signature. I informed Chase Bank on more than one occasion that my ex-husband deposited checks made payable to both of us and that he refused to pay me my 1/2 share of the checks. Check # XXXX in the amount of {$3800.00} and check # XXXX in the amount of {$38.00} were accepted for deposit by Chase Bank with my ex-husband 's signature only on XX/XX/21. 

The checks were accepted for deposit by Chase into my ex-husband 's Chase Bank account ending in # XXXX and not our joint checking account ending in # XXXX that was left open in order to deposit checks made payable to both of us following the finalization of our divorce. Chase told me that there is nothing they can do although they accepted the two checks with only one signature and that they do not have a reporting procedure for checks accepted for deposit under fraudulent circumstances.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX BANK ( BANK ) XX/XX/XXXX XXXX BANK ( BANK ) XX/XX/XXXX XXXX BANK ( BANK ) XX/XX/XXXX XXXX BANK ( BANK ) XX/XX/XXXX XXXX BANK ( BANK ) XX/XX/XXXX XXXX & XXXX XX/XX/XXXX XXXX & XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX WEBBANK/PAYPAL BC/CCC XXXX FINANCE ) XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Losing my wallet has compromised my identity and the aftermath is a result of unknown and unauthorized accounts reporting on my credit profile. These unauthorized accounts shall be removed from my credit file immediately. The following accounts are. 

1. XXXX XXXX 2. XXXX XXXX XXXX XXXX 3XXXX XXXX XXXXXXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXXXXXX XXXX 5. XXXX XXXX XXXX. XXXX XXXX XXXX 7. Dept of E/DXXXX XXXX {$3800.00} 8. Dept of ED/ XXXX {$1900.00}
Product: Money transfer, virtual currency, or money service

ON XX/XX/XXXX, I transferred money from the US TD account to my XXXX TD account, a standard practice that I have completed before. There was already a transfer template created, so the individual did not ask for an account number and completed the transfer over the phone. 

XXXX days past and I did not receive any money into my XXXX account. I contacted TD and they shared that an extra zero had accidently been added to my XXXX account information and that the transfer has not gone through. I asked them to fix this issue and they said they would contact me with more information. The next day I called to follow-up. They told me that they still did not have the account number correct and that I would have to receive the funds back WITH a loss of funds from XXXX XXXX rate. Another representative told me that I would not lose any funds. Their cross border banking team told me that they are a " new team '' with " growing pains '', some how this makes it okay that their clients need to pay for their mistakes. A week has gone by and I still do not have my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken with XXXX XXXX to request that they investigate and review Account # XXXX. I have not received a reasonable resolution at this time. 
I am contacting you because you are claiming that you have compeleted a reasonable investigation with the furnisher of this information and verified the account listed below as reporting 100 % accurate. However, I am not accepting ownership of this account as I have been incarcerated through the Florida XXXX XXXX XXXX since 2016 and I have attached evidence of the sentence and also an Identity Theft Report to this complaint. 
Since you have failed to correct the reported errors. I W.E a consumer, and natural person, am aware of all rights that I have, and which are protected by XXXX under the Fair Credit Reporting Act ( FCRA ). I demand that you immediately delete the inaccurate information from my credit report as I am in the process of re-establishing my credit and taking care of my responsibilities. This is causing further hardship and progress to me having the opportunity of a fair chance in establishing credit.
Product: Debt collection

I discovered this charge off on my credit report as bad debit. I attempted to contact the company about the charge off amount on my credit report that is inaccurate. I explained to the debit collector that not only was I not aware of this charge off being placed on my account but I the amount of debit is completely inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 I contacted XXXX XXXX XXXX in regards of an dispute with experian stating that my balance is currently {$1600.00} when my balance is {$900.00}. I asked XXXX representive to please respond to experian with my accurate balance she told me no she not properly investigate and let them know my balance. I am trying to close on a home and this is effecting me by having innacurate on my report this is a violation of code 15 U.S.C 1681
Product: Debt collection

I called National Credit Systems on XX/XX/2021 to discuss a collection account on my credit for XXXX XXXX. After speaking with XXXX ( a Supervisor ), he stated he was not going to budge on the account and that he was working on behalf of the apartment complex. He stated he had no decision capability and that it was up to XXXX XXXX. 

So I called XXXX XXXX and spoke with XXXX on XX/XX/2021, the property manager, and she stated that there is no record of me, or of an outstanding balance. In the attached letter, you will see the property complex was sold, and along with any outstanding debts would have been included. Therefore, the collection account that is reported by National Credit Systems needs to be removed and all collection activity needs to cease as the letter from XXXX XXXX states I have no outstanding balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 15 U.S.C 1681 section 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 or 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I have never opted for an escrow account and Freedom Mortgage has now added it without my permission. I have called them numerous times without a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a not a credit repair company, I am a victim of identity theft
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MO 64108 15 U.S.C. 1692c ( b ). that law clearly states In this section, the FDCPA sets forth who a debt collector can communicate with in connection with the collection of a debt without the consumer 's consent.

( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, adebt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX  XXXX  and before XXXX XXXX  XXXX, local time at the consumers location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from thedebt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving suchcommunication. 
( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of theconsumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of anydebt, with any person other than theconsumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of thecreditor, or the attorney of the debt collector. 
( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumerwishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that thedebt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that thedebt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector orcreditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.
Product: Credit reporting or other personal consumer reports

I have sent 3 different letters asking the credit bureaus TransUnion, XXXX, XXXX to remove the hard inquiries from my credit report since I did not authorize them, I was not successful with TransUnion and XXXX but XXXX did make the correction. 


The first letter was sent to TransUnion, XXXX, XXXX on XX/XX/2023 The second letter was sent to TransUnion, XXXX on XX/XX/2023 The third letter was sent to TransUnion, XXXX on XX/XX/2023 The message of the first letter was : " To Whom It May Concern : I am writing to request that the following inquiries are removed from my credit report, as I did not authorize them, and they are harming my ability to obtain new credit. 

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 Thank you for you prompt attention to this matter. I would appreciate an updated copy of my credit report once the inquiries are removed. 

Sincerely, " I have called them explaining the situation multiple times and they claim that they can't do anything to help me. 

For this reason I am filing a dispute, I need help, thank you.
Product: Money transfer, virtual currency, or money service

I enjoy online gambling and have found it difficult in the past finding a bank account or service which allows me to easily deposit and withdraw from my casino accounts. I noticed PayPal advertise that they're service can be used with a lot of casino websites, so I created my account in XXXX last year. Since then I have been using my account to deposit and withdraw to online casinos ( all of which are legal and registered with the New Jersey Division of Gaming Enforcement ). Occasionally, I use the account to send/receive money from other friends with PayPal accounts. I use the account regularly ( almost daily ) and my usage has remained the same for at least 3 or 4 months at least with no issues. 

Two days ago XXXX XX/XX/XXXX ) I received an email stating my account had been limited. I was no longer able to send or withdraw my money until I responded to their requests for information. This was fine, and I logged in immediately to provide a copy of my bank statement and an explanation of the activity on my account as requested. The next day ( XX/XX/XXXX ) I receive an email stating I can no longer use PayPal and that they have locked my funds due to suspicious activity and potential risk! No further explanation. They also informed me that they have frozen my funds for 180 days and I will not be able to access them. The balance of my account is currently {$34000.00} which is obviously a significant amount of money. I can not lose access to my money for no reason what so ever. 180 days is an incredibly long time! 

As far as I'm aware, I have not broken any of their XXXX XXXX XXXXs or usage rules. I have only made transactions to online services registered with PayPal and sent money to other PayPal  accounts. I need your help to get my money back.
Product: Debt collection

I am XXXX XXXX for my mother XXXX XXXX. ( XXXX acct XXXX XXXX XXXX XXXX ) XXXX went into a rest home XXXX/XXXX/2015 and my brother, XXXX tried to have her XXXX account cancelled on XXXX/XXXX/2015. He was not on the account and not being a cable subscriber unacquainted with the rigors of account management for this type of service. He was told that he could n't cancel for her so he told XXXX that he would stop payment. The bill was being auto-paid from her bank account and since he is on XXXX bank account when the XXXX/XXXX/15 payment of {$78.00} went out of her account he stopped payment and had the funds restored. On XXXX/XXXX/15 XXXX pulled XXXX from XXXX bank account and my brother had that refunded the next day. 

I got involved XXXX/XXXX/15 and in a compromise attempt tried to do a name change and reduction of XXXX to internet only. I refused to pay the amount they wanted for internet after cancelling phone XXXX and was pretty clear about that. XXXX actually spoke with them at this time and they claim the I was added to the account then but when XXXX handed the phone back to me the line was dead ... the call had been dropped. Knowing we could n't call them back directly we waited for them to call us back. They never did. 

Numerous calls later the account has been turned off as of XXXX/XXXX/15 and we have been sent to collections for approx. {$200.00}. I disputed the collection amount and charter has reviewed the case and credited us {$40.00} leaving a balance of {$150.00}. 

We feel like we delivered the message to turn XXXX off over and over and pretty clearly ... even if not by their requirements. My brother should have been helped to meet their requirements rather than antagonized during the XXXX call. Or if I was on the account as they claim they should have called me. 

We would like XXXX to honor the XXXX/XXXX/15 cancellation of service date. I am not sure if that would reduce our bill to {$0.00} or not but we tried and tried and tried again. they finally honored our request but quite some time later. She went in the home XXXX. we are giving them 5 weeks of pay for time she was already gone. it seems a bit exorbitant of them to want a couple months extra.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from Credit Bureau stating that my letter requesting verification of erroneous items on my report as being classified as " frivolous '' or " irrelevant ''. I assure Credit Bureau that in no way do I consider a matter of such importance to me as frivolous nor irrelevant. 

1. The wrong amount is being reported XXXX XXXX XXXX Account XXXX : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. Wrong date of opening is being reported. I have never been late with payments on this account. 
XXXX XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.
Product: Mortgage

I woke up one day to a notice informing me Roundpoint mortgage had charged my escrow {$4300.00} for homeowners insurance coverage, which I already have. They never requested that I show proof of insurance, they just went ahead and procured it. 

After navigating some very rude service reps and overcoming the fact that their customer support number is literally nowhere to be found on their website, I gathered that the issue was that while their customer service department had my updated mailing address ( which they read out to me to confirm it ), their insurance department was not showing the updated address. To make things worse, the insurance departments informed me that only the customer service department can update the address ... which of course is a problem since the customer service department already has the right address. 

So there I am, a customer left hanging between two departments of a broken mortgage lender that couldn't care less about their customers if they tried.
Product: Credit reporting or other personal consumer reports

Ive come across billing errors on my credit report, with late payments that dont match my typical payment record. Kindly correct them and update my account.
Product: Credit reporting or other personal consumer reports

I have disputed the inaccurate information with XXXX and experian several times. I have never received any letters back stating the outcome of my disputes. These account still appear in my credit report without Andy verification or ownership of accounts.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) regarding their failure to comply with 623 ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ). 
Account Details : Account Number : XXXX Credit Reporting Agency : Equifax, XXXX XXXX ... ... .... 

Nature of the Complaint : ... ... ..XXXX reported incorrect late payments on my credit report without notifying me as required under 623 ( a ) ( 7 ) of the FCRA. This failure has led to significant harm, including health issues, job loss, and a major decrease in my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently spoke with XXXX in consumer relations department team and she didn't really want to help me with verifying the current inaccurate reporting ( per 15 usc 1602 your required to do that with my written consent ) you guys have furnished on my chexsystems report. the following accounts are inaccurate and against my rights as a consumer the fdcpa states you need written consent to furnish anything on my consumer report I demand to have the following accounts removed immediately XXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX Missouri XXXX, The Following addresses are also inaccurate and have ruin my reputation as a consumer XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, az XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX the following address are all inaccurate or erenous and unverified my current address which also the following name I provided my current address already as well which is XXXX XXXX XXXX XXXX XXXX , Az XXXX or XXXX XXXX XXXX XXXX XXXX. this has been an infringement upon my rights and has caused me major distress on me as a consumer. I hope that you can assist in regards to this issue that been brought to hand I have been trying to get this resolved since XX/XX/XXXX.
Product: Credit card or prepaid card

I bought this unlocked cell phone XX/XX/XXXX via the Internet on XXXX ( see receipt attached. ) Immediately after receiving it I used my XXXX & XXXX SIM card into the new phone and turned it on. The new unlocked global phone I received from XXXX did not detect cellular network at all. XXXX & XXXX representative could not resolve the issue. I attempted to return the defective product on XX/XX/XXXX via XXXX website. Seller refused to take it back, provide return shipping label or provide return authorization code, or anything like that. I reached out Bank of America to start a dispute on XX/XX/2018. On XX/XX/2018, Bank of America requested additional documentation about this purchase and also confirmation from local repair store that phone is defective. I asked help from phone repair specialists at XXXX XXXX ( located in XXXX, TX. ) and they explained that they can not repair it and provided written and signed statement ( see attached. ) I provided this documentation to Bank of America in a timely manner. Despite providing all evidence that product shipped to me is defective Bank of America refused to approve my claim.