23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX hadnt provided any date of first delinquency hasnt provided any proof of license to collect in this territory and also has been sent a cease and desist and to still communicate about a disputed debt that hasnt been validated is a direct violation of FDCPA. Copies of statements arent sufficient and the address on file they have doesnt match my address as I have never been associated with this address before.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a mortgage approval and my credit was run and one of the 3 credit reporting bureaus, I think TransUnion, sold my personal information. I have had for 60 phone calls and text messages today and someone called and listed off my SSN and DOB. The mortgage lender indicated they can not do anything about that and they are aware that the credit bureaus are selling information. I want to report this and will be considering sueing
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, have reviewed my consumer reports and noticed theres inaccurate information on my credit report.. 

( Original Creditor : American First Finance ) Account # XXXX Consumer reporting agencies have assumed a role and responsibility to report consumer information to the best of their ability with maximum accuracy. This is the law according to the FCRA. 

I contacted American First Finance and asked for them to investigate and remove the inaccurate account from my consumer report that they are illegally reporting and have requested the original application bearing my signature. Such proof clearly hasnt been provided. This is a violation of the FCRA. This disputed item should not appear on my consumer report. 

( I have attached a preponderance of information that shows I'm not responsible for this account. XXXXXXXX XXXX has been my primary residence since XX/XX/year>. Someone have used my information in the past as a result of identify theft. )
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app Block.inc. Due to inadequate customer service and unfair practices which violate the consumer financial protection act ( CFPA ) specifically cash app failed to take timely and effective measurements to prevent an address fraud on their platform leaving my account vulnerable and unprotected furthermore their dispute resolution process was unfair and deceptive as they didnt comply with error resolution requirements under the electric fund transfer act ( EFTA ) and Regulation E these actions have caused significant inconveniences and financial loss and I seek appropriate redress
Product: Mortgage

I closed on my house on XX/XX/XXXX. On XX/XX/XXXX I received from XXXX XXXX ( the mortgage company ) a new payment letter, closing disclosure, escrow statement and note and closing documents, because of errors, asking me to re-sign and send back. The documents had the same closing date of XX/XX/XXXX. I completed the forms according to their instructions and sent them back to Guaranteed Rate. Then, my mortgage was transferred. On a letter dated XX/XX/XXXX I received notice from Lakeview Loan Servicing , LLC that they purchased my mortgage and it would go into effect on XX/XX/XXXX. On XX/XX/XXXX, I called XXXX, spoke to XXXX at XXXX about the difference in the payment coupon total I received when compared to what my rate should be. Lakeview was going to overcharge me. My payments should have a XXXX XXXX interest rate. She told me to send proof and they would look into it. They received the information, but never returned my calls and didn't respond to the mailed proof. On XX/XX/XXXX I called again and spoke to XXXX at Lakeview at XXXX XXXX and was sent to customer escalation and spoke to XXXX at XXXXXXXX XXXX on XX/XX/XXXX. I also re-mailed the proof documents.I was assigned to XXXX to research the problem. Since then, my mortgage has now increased again and is now {$1800.00} a month when my payments should be {$1400.00}. When I called on XX/XX/XXXX I spoke to XXXX at XXXX and she said that XXXX is my escalation rep and there is no update to give me. No one has any information. They have a note in the system that I want to have my payments corrected and that in 5 business days I will get another phone call with the update. As of today, XX/XX/XXXX I do not have a solution or corrections made on my account and there is no update.
Product: Checking or savings account

I am a XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have been selling online my dresses for over 2 years, within different websites such as XXXX, XXXX, XXXX. I have been using only Bank of America for my business for 2 years and was their gold preferred reward client. I have XXXX accounts with Bank Of America. In XX/XX/XXXX I have been sell bulk order of wedding and couture dresses I had in stock. Customer contacted me through email, and made direct payment to my business account with Bank of America for the amount of XXXX $ and XXXX XXXX, after that my all accounts was locked and put on hold for investigation. I believe it was scam as client assured me that he contacted his bank ( XXXX XXXX  ) and make sure to authorized this transaction. Anyway as all my accounts was locked including my personal bank account with funds on it or XXXX and XXXX XXXX. I find out that customer who paid to my business account XXXX $ and XXXX XXXX opened a claim and said that he had never made this purchase. On my end I have all proves including payment receipt, his confirmation in email that he had paid and waiting for gowns being shipped. Bank of America holding all my accounts within over 60 days since this situation happened, even I have provided all proves to their claim department that purchase was made officially and it is not my fault that client made a claim. I have been calling to Bank of America over XXXX times, to resolve this situation and I was told several times that they see that it is not my fault, and this is mistake and I should get my accounts back and this claim should be closed soon. But it has been frustrating time of waiting without any real actions on Bank of America end. They keep locking all my bank accounts until now and I cant use even my personal bank account which has nothing to do with that transaction. Every time I call to customer service of Bank of America they give me different information and different reasons why my accounts still locked. I really dont know what to do. Because definitely this is illegal to hold my personal funds for that long even when all proves are in my side. All I want is this claim to be closed ( because obviously I was scammed ) and instead of protecting my interest they violating my rights and holding my personal bank accounts funds for over 60 days.
Product: Mortgage

We purchased a home using PRMG ( XXXX XXXX ) as our lender on XXXX/XXXX/2016. After going through the pre-approval process, XXXX would not return our phone calls and emails until the day after the presidential election. We made several attempts to contact her to make sure our interest rate was locked and our loan documentation was squared away for close. We did not hear back until the morning after the election, and we were informed we did not qualify for the initial loan program we were pre-approved for due to our income levels ( which the lender was aware of before we were even pre-approved ). After finding all of this out, we were beyond our loan objection deadline and had no way to get out of purchasing our home. XXXX informed us that all we could do was lock in at the current rate and that we would be limited to a maximum credit towards closing costs of $ XXXX, which was minuscule in terms of total closing costs and the extreme lack of negligence and fiduciary duty we observed from PRMG. We made attempts to speak with PRMG management, and the individual who spoke with us, XXXX XXXX, told us the loan they could offer us with the correlating $ XXXX credit towards closing costs was limited due to RESPA regulations. My husband and I consulted with another lender on this day to understand what we were being told by PRMG and found out this was completely false. The other lender showed us the pricing grids for the day we had locked in our interest rate, which indicated we should have received a credit towards closing costs of $ XXXX versus the $ XXXX XXXX and XXXX told us was the maximum they could pass along to us. As we were past our loan objection deadline and a week out from closing, we had no choice but proceed with the loan because no other lending company could close us in time for when we had to move, and we had already subleased our current apartment. PRMG took advantage of us by avoiding processing our paperwork until after the election to profit from higher interest rates and further penalized us by not passing on the credit we were allowed based on industry pricing for the interest rate we received. The PRMG associates we worked with directly lied to us and negligently penalized us knowing we were stuck with our living situation.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. 
However, due to delayed posting of charges and credits, o was unt ly charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Money transfer, virtual currency, or money service

I am writing about a transaction of money ( {$4000.00} ) I recently made from my bank account to my wife 's Paypal account. On XX/XX/XXXX, I used Paypal to send my wife, {$4000.00} to help pay for our loved ones bills. She immediately noticed I had accidentally sent the money to pay her for goods and services instead of sending to friends and family, causing her a fee of {$110.00}. She researched how to reject the payment and saw in the Paypal help section that a payment can not be rejected, only refunded, so she chose the option to refund my {$4000.00} to me so I could send it the correct way. 

When Paypal tried to refund to me the {$4000.00} in her account, she had less than {$4000.00} because of the fee and so the attempt to refund of {$4000.00} caused her bank to charge her a fee of {$30.00} ( was seen as equivalent to writing a bad check ). XXXX spent close to two hours going between her credit union and with your customer service line trying to resolve this. Two different Paypal agents told her NOT to put more money in the account to cover the refund of {$4000.00}, but instead to allow this to overdraft again causing another {$30.00} charge. She was told by both agents that this was the only way she could get a full refund of the fee she was charged. 

I talked to two people at customer service, on the same day to try to resolve this and was eventually told that the fees could not be refunded because of the way the money was sent. I explained again that there was no exchange of services or goods and : the money was sent through the wrong selection of paying for goods and services. 
that XXXX was unable to reject the payment so I could send it the correct way. 
that XXXX tried to refund the payment per Paypals instructions. 
that Paypal attempted to take {$4000.00} from my wifes bank, but because the money wasnt there she incurred a {$30.00} fee. 
. the PayPal policy I read just before sending the money stated there was no fee for sending money to friends and family. Nowhere on my statement of sending money to XXXX were fee amounts shown prior to me hitting the send button. 
. that XXXX was told by Paypal customer service that she should allow her account to be overdrafted a second time and that this was the only way Paypal could refund all of the {$4000.00}, including fees. 

I explained that my payment summary stated that XXXX was getting {$4000.00}, not {$3800.00}. I was intending to send money from my bank to a family member yet my wife was charged {$110.00} and had no way to deny the incorrect payment. She is wondering why this company does not allow a person to deny a payment, especially when it is sent incorrectly to that person and causes her to pay a fee when she was not at fault. This format seems predatory to both of us and we hope you can resolve this quickly for us by refunding the fee of {$110.00} and {$30.00} for the overdraft charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account does not belong to me nor do I have any acknowledgment of this account ever being opened. I was able to dispute it and get it removed from XXXX but cant seem to have it removed from XXXX. I will below take a screen shot of the dispute and removed account from XXXX.
Product: Debt collection

I spoke with a representative when they called me a few weeks ago, when they called my work phone number. Prior to me talking to them, they had left messages on my phone, called my husbands phone, all three of my children 's phone and somehow they got a hold of my ex-husbands phone number and called him as well. 

On that phone conversation a couple of weeks ago, I let them know that I would not be able to pay the debt until sometime this spring. I asked them to only call my phone number. I specifically told them they could not call me at work, nor could they call any other phone number of anyone else. Some of the people they are calling are not even related to me, and they continue to call me. Today, XX/XX/2018, they called my step-daughter and told her I needed to contact them about a debt. I didn't think they could tell anyone else that I owed a debt. She was concerned because she thought they may have also called her mom ( my husband 's ex-wife ). They have called my XXXX  year-old father-in-law. I told them I would contact them when I could take care of the debt and that they were only allowed to try to contact me via mail and my phone number. 

In the initial phone conversation, they would not give me their address. Today, I got their address and have sent them a letter indicating that they may only contact me by mail or my cell phone.
Product: Credit reporting or other personal consumer reports

I am the victim of identity theft. I have contacted this company letting them know that there is several fraudulent accounts on my credit report. I also let them know that my personal information is incorrect. I spoke the representative XXXX ID # XXXX on XX/XX/year> and she is refusing to transfer me to a supervisor and also telling me that the fraudulent information cant be blocked from my account until the investigation is complete even though I submitted my ID, FTC report, bill and social security card. She is telling me that I did not submit all the information on XX/XX/year> but I have emails and screenshots showing that the documents were submitted successfully. This company is violating my rights, and have been doing so for years. They try to stall out my disputes in hope that I will get discouraged and give up. I asked to speak to a higher tier and she left me on hold for XXXX mins then a guy came on the line and told me they dont block information. She also stated I submitted information by mail on XXXXXXXX XXXX XXXX but could not provide me any details.
Product: Credit card or prepaid card

My financial institution is Chase Private Client. I deposited a XXXX XX/XX/XXXX, Chase can not locate this deposit violating various bank tax regulations. 
I initiated re-occuring monthly payments to be made from my Chase CPC account to XXXX XXXX XXXX  on the 3rd after my XXXX check was direct deposited and Chase routinely failed to honor these payments and by doing so my account with XXXX  XXXX was left in arrears. These payments were left in a " pending '' status the funds were withdrawn from my account but not paid to the merchant, leaving the merchant unpaid and which led to a snow ball effect in hicked up interest rates. My payments were being applied to interest and not the principle leaving me upside down on the loan and a negative mark on my credit report and me at risk of loosing my vehicle. 
This is happening today as well. On XX/XX/XXXX I purchased a computer online with XXXX. The payment of {$590.00} to XXXX has remained in a " pending '' status ever since. XXXX didn't ship my computer because they claim that Chase declined the transaction and Chase claims that XXXX hasn't processed the order regardless Chase will not release the funds back into my account and XXXX will not ship my computer. Chase is violating regulation E under your rule and needs to investigated.
Product: Money transfer, virtual currency, or money service

I've been a PayPal user since 2000. They have my social security number and several of my banks and credit/debit cards are linked to my account. Today I received an email stating " You can no longer do business with PayPal '' with the reason " After a review, we decided to permanently limit your account as we detected that this account was created using either fraudulent or stolen information. '' There was no warning and when I called PayPal, they sent me to a legal page which is for Law Enforcement/Government agencies, to request information. There's no way for me to contest this. In 21 years I've never had an issue with PayPal but all of a sudden they say they are closing it. I pay monthly bills through PayPal so not having access to add money, or withdraw money, is going to cause issues with my automated payments. The email I used to open the account, XXXX, is my primary email and the only one I've ever used with PayPal.
Product: Debt collection

XX/XX/XXXX at XXXX call placed to XXXX from a spam email. male representative reported name as, XXXX and could not locate an account using my XXXX digit social security number, first and last name or telephone number. Reported " problem accessing an account '' only able to locate account with a reference specific to resurgent # XXXX representative reported account purchased on XX/XX/XXXX with a last payment of XX/XX/XXXX. 

complaint XXXX from XX/XX/XXXX, representative XXXX provided XXXX and inaccurate information with an attachment of XXXX pages of documents that have never been received, I have attached the documents sent to me dated XX/XX/XXXX which are not the same. She further reported in her attachment letter the letter was sent to XXXX XXXX and the correspondence indicates XXXX XXXX. Reporting the alleged debt was acquired on XX/XX/XXXX as the " servicer '' and the owner as XXXX, for a balance of {$3700.00} on a charge off account, ( to which a reported cancelled debt has been reported without a XXXX from the creditor to the consumer. ) additional in complaint XXXX it was written that identity theft occurred XXXX and is documented with the FTC and all three credit bureaus ( the consumer fraud alert was placed, therefore how was credit extended without consent ) XXXX now stated I requested a Cease and THIS IS INACCURATE and non full disclosure of what was requested in complaint XXXX ( XX/XX/XXXX ) I have now attached documents, images, phone records and correspondence received which DO NOT ALIGN with the false information submitted in XXXX ( resurgent ) response to a complaint with the company she represents. 

Resurgent Capital continues to use deceptive techniques for attempted collection on alleged debt, use misleading presentation, provided false and inaccurate information to a government board with back dated attachments that were never received to the consumer and WERE NOT THE DOCUMENTS RECEIVED DATED XX/XX/XXXX from resurgent. that does not coincide with a recorded phone call with the place of business while continuing to deny violating consumer rights under FDCPA. XXXX XXXX XXXX sec XXXX is the current and valid complaint and /concern at question.
Product: Credit reporting, credit repair services, or other personal consumer reports

i just got my social security number on XX/XX/XXXX and i put it in XXXX XXXX  and all the info that shows up is from someone else. She's been using the social for XXXX years. I can't open a checking account because the background is someone else 's information.
Product: Student loan

I am in repayment for XXXX XXXX  student loans with Mohela. This particular account is actually under my Mom 's name, XXXX XXXX, though I make the payments under the account as it was for my college education. Like many others, at the start of the pandemic I was told that I could continue to make regular payments during the XXXX  loan forbearance, so I did, in an effort to pay off my interest and start more quickly paying down my principal balance. I was never told that doing this would automatically put my account into a " pay ahead status ''. When the forbearance ended this past Fall and payments resumed I saw that I somehow did not have a payment due until XXXX of XXXX and that the payment was for a much smaller amount than my typical required payment. They also changed the way my account works and no longer allowed me to make one lumpsome payment to be spread out across all of my loans and instead only allowed me to make individual payments for each loan which is incredibly confusing. At this time, I reached out to Mohela on XX/XX/XXXX to inquire. I did not hear back until XXXX after I sent a follow-up inquiry to find out why I hadn't heard from them after nearly two months. They then explained that my account was in pay ahead status and that they could remove that for me if I preferred. They ignored my question about the inconvenient payment structure. That same day I told them to please remove the pay ahead status and asked again for clarification on why I could no longer make one lumpsome payment. I then did not hear from them and reached out two more times for an update before getting confirmation that they would remove my pay ahead status on XX/XX/XXXX. They said it would " take some time '' for the pay ahead status to show, I asked how long and still have not heard back and also asked once again about the payment method and why I could not make a lump-some payment as they continued to blatantly ignore that question. I have now followed up with them four times since XX/XX/XXXX asking when they pay ahead status would be removed and when I could expect to make lumpsome payment and haven't heard anything, despite the fact their website continues to indicate I should be hearing back in three days. I genuinely think this is predatory loan behavior and that they are trying to earn more in interest from borrowers. I paid off my interest completely during the XXXX loan forbearance and was working solely on the principal balance at this point. I think their automatically moving folks to pay ahead status without getting permission and seemingly purposefully ignoring my request to remove pay ahead status is an attempt to get additional interest to accrue on my account. If I kept the pay ahead status, hundreds if not thousands of dollars in interest could have accrued between last Fall and this Fall that would not have accrued if they had simply resumed payment and billing statements as I expected they would and as I have requested that they do.