23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have opened and closed XXXX different PayPal accounts because I have not received a debit card from PayPal for my accounts. After asking asking around on social media ( XXXX, XXXX, etc. ) I discovered that PayPal doesnt send customers debit cards for their accounts unless they add at least {$100.00} from their bank accounts to their PayPal XXXX. That is what XXXX is saying. And when I call PayPal customer support about my debit card they always lie and tell me I didnt put my apartment address on my account or my home mailbox didnt have my name on it or something like that as their excuse.
Product: Mortgage

On behalf of our client XXXX XXXX, trustee of the deceased borrower XXXX XXXX, we have been working on trying to get legal fees remove the deceased borrower loan. The borrower died in the property last year and was found by family member end of XX/XX/XXXX. He fell behind not because of negligence he DIED. Union Bank made fun of the fact that family did not know he had passed away and have been doing everything they can to make this process even harder for the grieving family. We are currently in escrow and scheduled to close XX/XX/19 and the foreclosure auction is scheduled for XX/XX/19. I have requested an extension of at least 10 days just in case something goes wrong and they denied our request. Not only that, we ( Escrow and I ) have requested a payoff demand multiple times with no luck. They claimed that they did not received our requests or that the requests were invalid. This transaction will pay them off in FULL this is not a short sale. Union Bank is trying to steal the equity of this home from this grieving family. All we ask for is at least 1 more week if not 10 days to close escrow and they will have full payoff.
Product: Mortgage

I was looking to refinance my mortgage and used multiple refinance aggregators to determine which companies could offer the best rates based on my criteria. To receive rates you qualify for, you are required to enter zip code, credit score, property value, existing loan value, loan term, property type, property use, military/veteran status, mortgage points and amount of cash out you would like.

Based on these criteria, Amerisave consistently ranked as the top choice. On XX/XX/XXXX, it offered a rate of 2.50 % with 0 mortgage points and estimated fees of {$150.00} ( screenshot included ). After clicking through and entering the same information on their website I was preapproved for a 2.00 % interest rate which I assumed included mortgage points. I was called by a loan officer who obtained sensitive personal information to enter into a formal application. After an hour on the phone with her, she offered a XXXX point mortgage rate of 2.75 %, XXXX higher than what was advertised based on the same information. She explained that the 2.50 % rate probably included points XXXX it did not as shown on the screenshot ). I hung up having wasted my time. 

The next day, XX/XX/XXXX, the loan officer emailed that rates had fallen from yesterday and that I could receive a 2.625 % rate with 0 mortgage points. I ran the same calculator and Amerisave popped up again as the top lender on the advertisement with a 2.50 % rate under the same criteria. I then sent screenshots to the loan officer asking why they continued to advertise a lower rate based on my criteria. She first responded that I had entered the loan amount too low. This was incorrect, and I sent her a separate screenshot increasing the loan amount even higher to show I still received a 2.50 % rate. 

Today, on XX/XX/XXXX she said she ran my criteria on the same website and it resulted in a 2.625 % interest rate as discussed. I did the same thing and it did indeed now show a 2.625 % interest rate. My question to her was why her company had advertised a lower rate for the two previous days only to waste my time for an hour plus, gathering sensitive personal information which is now in the hands of multiple third parties as I have continued to receive countless calls and emails with refi offers now.

This appears to be deceptive advertising meant to generate traffic to their site only to offer a separate rate once all information has been collected. My credit score is XXXX, with an LTV of 35 % on the home. Absolutely nothing gathered after receiving my personal data should have changed the rate advertised from 2.50 % to 2.75 %. In my mind, this is deceptive advertising and an abusive tactic towards consumers of this product.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report inaccurate information on the fallowing account. I recently sent you a request to investigate the information previously disputed on my consumer report on XX/XX/2022 your company has not fixed issue. It is still reporting inaccuracies on my consumer report. Please investigate these accounts and send me an updated report with these changes. As these companies are in direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a 1099c form this company please provide me with one do not update this account delete immediately! 

ACCOUNT NAME : XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX  ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX  ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX  ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT # : XXXX
Product: Mortgage

We had our mortgage sold to and began servicing by Arvest in XXXX of XXXX. 

Since then they have mismanaged our escrow account each year, sometimes sending us notices that we overpaid and would send a check, and then other times telling us that the balance is too low and we must raise our mortgage payment monthly to cover the difference. This mismanagement and failure to maintain a proper escrow estimate has happened every year since XXXX. They also refuse to send proper NJ state required paperwork to our township to prove they are paying our taxes each quarter from the escrow, resulting in stressful notices of default from the town we must spend our time following up on. The increase in our monthly mortgage payment each year is an unfair expectation, because taxes and homeowner premiums did not raise, simply Arvests ability to properly manage the balance caused this.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 

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 INSTUCTIONS. 

XXXX XXXX XXXX XXXX XXXX XXXX  {$300.00} XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$690.00} XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX {$830.00} XXXX ) XXXX XXXX XXXX XXXX XXXX {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have numerous inquiries from the same companies when I've only given them consent to run a credit report once. XXXX has FOUR separate inquiries on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I only asked for their services one time on the first date. I have a XXXX XXXXXXXX credit card and I've only applied once, but I have TWO separate inquiries from XX/XX/XXXX and XX/XX/XXXX. I only called XXXX XXXX on XX/XX/XXXX to ask questions about their options. My credit should've never been evaluated. Lastly, I never gave a consent to XXXX XXXX on XX/XX/XXXX to run my credit. It's a credit repair company that I never used as I have been attempting to repair my credit on my efforts. XXXX has 7 inquiries and XXXX has 8. The numbers don't even match each agency, and the random credit runs were unnecessary actions.
Product: Mortgage

On XX/XX/XXXX, I wrote to XXXX XXXX XXXX, CEO of PNC Financial and asked for an audit on my mortgage account # XXXX. I also asked for a transcript of payment history and charges since the inception of my loan. 

During Covid, my account was on a Covid hold. When the hold was lifted, I continued to make payments, but struggled to come up with the past due balance. I was charged an extra $ XXXX on each payment to apply towards the deficit of an estimated {$16000.00}. In XXXX of XXXX, I paid all arrears in full to avoid foreclosure and get my loan back on track. My payments should have returned to their normal amount at that time. 

I am still being charged the extra amount for a deficit on my account, which causes a hardship. I have asked that this be reconciled, with no answer from PNC. 

I would like PNC to audit my account for discrepancies and duplicate charges. I also would like a transcript of charges and payments since inception, so that I can have an independent audit to verify. 

Can you help me get a response?
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX and XX/XX/2023 I was assessed a {$15.00} fee for an incoming domestic wire transaction. I am currently expecting an incoming international wire transaction. I could not find any clear information on the chase Bank website about how much Chase charges to accept incoming wire transfers, whether there is a way to avoid them, whether the amount charged is different for international wires. I called customer service and the employee was also unable to find this information. 
The lack of transparency is what I object to. This should be readily available information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX has reported on my credit report for XXXX that I had 3 payments 30 or more days past due this information was and is incorrect i have sent numerous letters and responses to them asking for information regarding this reporting the bank continues to send me responces stating that my credit report is accurat but no documentation supporting the reporting of negative payments i have sent the XXXX XXXX XXXX numerous document showing past mistake of my payment that were misapplied by thier associates yet they still will not correct my credit report the XXXX XXXX XXXX has the wrong infor mation on my payment, balance last payments amount made & ect i have recently sent them a letter ( This is the exact letter ) and other information im having problems with the problem im having Date BLANK BLANK BLANK Complaint Dispute on credit report reporting XXXX XXXX XXXX Address Mail XXXX fl XXXX XXXX XXXX XXXX FL Zip Code XXXX Regarding Account Number ( Blank ) &  Account Number ( Blank ) I ( blank ) on this XXXX Day of XXXX XXXX do hereby request a complete copy of my payment history from XXXX XXXX XXXX to XXXX XXXX XXXX this request is to include dates of all payments that was made on these accounts dates of all payments that were past due on these accounts and dates payments was paid to these account s after due date. I ( Blank ) am also requesting all letters and correspondence advising me / making me aware of my past due payments I also request all payments showing my account were paid 30 or more days late I ( Blank ) also request all payment dates and how payment was made ( Ex XXXX XXXX XXXX XXXXXXXX. XXXX Please Mail this information ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX REFUSES TO REINVESTIGATE XXXX XXXX ACCOUNT XXXX, THAT IS WRONFULLY APPEARING ON XXXX AND TRANSUNION. 
I HAVE PROVIDED FTC THEFT REPORT XXXX REGARDING THIS XXXX XXXX ACCOUNT SO AS TO FACILITATE THE PROTECTIONS AFFORDED BY THE FCRA REGARDING IDENTITY THEFT.ALL CHARGES MADE ON THIS ACCOUNT WERE MADE BY AN ID THEFT THIEF.XXXX XXXX IS AWARE YET WANTS ME HELD ACCOUNTABLE FOR THE LATES.RIDICULOUS! 
BLOCK THIS ACCOUNT IMMEDIATELY ACCORDING TO FCRA.ADDITIONALLY XXXX UPLOAD SYSTEM DOES NOT FUNCTION AT ALL.THIS ACCOUNT WRONGFULLY APPEARS ON TRANSUNION AND XXXX.XXXX REACTED TO THE FTC REPORT AND DELETED THE ACCOUNT.
Product: Credit card

Years ago I used my Bank of America card to keep my XXXX year old mother in a nursing home. The balance soon grew very large. After she passed away I began to repay BofA a larger monthly payment. I did pay monthly {$500.00} a month and XXXX or XXXX times I payed BofA {$1000.00} a month as they requested, to get the balance down. This was very difficult, so I reached an agreement with them to pay $ XXXX monthly I did this automatic payment for about two years. 
About 6 or 9 months ago I noticed the {$200.00} was not being taken from my checking acct. I called BofA and was told my acct. was written off and it was sent to collections. I told them I would have happily continued sending them {$200.00}. They did not contact me in anyway that to say the payments were schedule to stop. I asked what could I do. They said " nothing, once its gone to collections, there is nothing you can do ''. I asked for the address to begin paying again to a collection agency. Of course this places a negative credit mark for many years on my credit history. It seems so wrong the way they managed my acct. and placed my acct to collections without a tele. call, nor an email, or a letter to give me a chance to continue making payments. This lack of common courtesy to me by sending my acct to collections was wrong, and costs me a lot in higher interest rates throughout my life. I am XXXX years old and do not have a lot of years to wait 7 years for them to remove the " Sent to collections ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX XXXX I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous inquiry reporting on my Credit Report : XXXX Date of inquiry XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

afni renewed a collection from XX/XX/XXXX that had fallen off of my credit report in XX/XX/XXXX, but somehow through them it magically reappeared in XX/XX/XXXX. I contacted them to remove it but they refused to remove it from my credit report and I am very upset
Product: Mortgage

My original mortgage account with XXXX was transferred to Seneca in XX/XX/XXXX. XX/XX/2015, I received a call from Seneca demand payment, up until this point I have no knowledge of this since I did not receive any notice from XXXX. I immediately contact XXXX and for the next couple weeks I had called XXXX repeatedly trying to get the transfer letter so I know whom, account #, and where to pay. They finally emailed me the letter on XXXX XXXX, 2015 ( I have the original email from XXXX ). 
Since I did n't know the account number and where to send payment ; I continued to pay the original mortgage holder for the month of XX/XX/XXXX. For XX/XX/XXXX payment, I send to Seneca and on XXXX XXXX they rejected the payment ; they said because I was two months behind and they immediately reported me to credit bureau for 60days late ( even late payment occurred on the XXXX of the month ). I discovered this a fews days later so I immediately contact XXXX and have them do research to see why the payments did n't get transfer to Seneca. While waiting for the result, I did n't want to get hit with a late payment so I called Seneca on XXXX XXXX and made 3 payments over the phone ( I figure I 'll get a refund from XXXX later ). At that time I also contact my bank trying to get copied of the checks XXXX since my bank statements shown that it was debit from my account for the months of XX/XX/XXXX and XXXX XXXX. On XXXX XXXX my bank told me that the checks for XXXX and XXXX had not been cash so they going to void it and put the funds back on my checking account ( I also have this proof from my bank ). I do n't know why XXXX did n't accept the checks and did n't forward XXXX and XX/XX/XXXX payments to Seneca. The bottom line is I have made payments on time during this whole transition and now I get penalize from Seneca for XXXX mistake. 
I submit these information to Seneca, emailed them the original email that I got from XXXX, the XXXX bank statements and the bank credit that my bank refund back on my account. I had spoke to several customer representative at Seneca and one supervisor. So far they refused to extract the late payments report to the credit bureau. 
My account number with Seneca is XXXX. Please help me to correct this mistake and make it right.
Product: Debt collection

I was n't sure how to list this situation. I received a call from one person ( a female ), who refused to identify themselves. They said they were trying to contact me ( using an old name I have n't used in over 15 years ). They said I was going to be served with a debt collection lawsuit, and they could only out it on hold for 30 days if I call another number that they provided, referencing an account number. They did not say they were a debt collector, but that they were hired to track me down. So, I called the number they provided. The person who answered looked up the account, did not say they were a debt collector, and said that I owed money on a bank account ( that I do n't even remember ever having ) from XX/XX/XXXX. They said their attorneys had reviewed the file and said it was able to be collected and they could sue me. The gentleman said that I could do what I wanted. He seemed confused because of the date ( he thought that he could n't collect anything before XX/XX/XXXX ). He said he would have another area review it again, but notes said it had been reviewed and approved by the attorneys. I told him I do n't remember any bank account with that bank and that it seemed odd. I have never received any letter from this company or about the debt they say I owed. 

Also, I filed Chapter XXXX bankruptcy in XX/XX/XXXX. All debts I was aware of were listed on the bankruptcy filing. 

The tag team method of collection is disturbing. Threatening a summons immediately if I did n't call a second number seems shady. The first caller having or providing no real information on what was going on, only telling me to call a second number, seems not quite right.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in reference to a letter I received from Equifax on XX/XX/XXXX in response to a complaint I submitted to the CFPB on XX/XX/XXXX. Case # XXXX. 
The letter in which is attached to this correspondence, states that they will not be conducting further investigation into the XXXXXXXX XXXX account # XXXX They also stated that the result of the previously submitted dispute will be sent in 30 days. making it a total of 120 days in order to conduct this investigation. 
Equifax is willfully violating the ( FCRA ) Fair Credit Reporting Act which clearly spells out that a credit bureau is required to respond to you and complete their investigation within 30 days. 
If they do not respond within that timeframe, they must remove the disputed item from your credit file. 
The law is in place to insure fairness and order. And this consumer reporting agency should not be allowed to fabricate their own rules. 
The response is a desperate attempt to cover up the fact that the law was broken. 

Equifax is one of the most unethical companies I have ever had the misfortune of dealing with. They have failed to validate their claims of reasonable investigation since my initial request. 
This behavior is a direct result of big companies outsourcing cheap labor and leaving the American people in the hands of undertrained and incompetent people with very little respect for the regulations set forth by our federal government.
Product: Mortgage

Good afternoon, thank you for assisting with my issues. On XX/XX/XXXX I learned that my loan servicing was transferred from XXXX loan servicing to PHH mortgage. I was given a contact of XXXX XXXX ext.XXXX. I called to make a payment, and no one answered the phone. At that time I was 2 month behind and had a late fee of roughly {$1900.00}. I made 2 mortgage payments over the proceeding 3 weeks by the automated phone payment center.I have all the documentation ( i did have a routing number issue on a couple attempts ). After multiple calls on hold for hours, I had reached a customer service rep and was told i could get current with a payment of roughtly {$3900.00}, and made that payment around XX/XX/XXXX. I was told the late fees were removed, due to federal law with a new servicing provider, and made a payment of roughly {$3900.00} bring me current, which I did. I thought it was somewhat resolved aside from the illegal, inexplicable chargers and lack of customer service until..days later I got a letter and I owe over {$11000.00}. I realized payments were missing, there were payments not being applied and the escrow was off, there were fees piling on. The account was in suspense dated back to XX/XX/XXXX. I make a payment to get current and then this, heartbreaking. I asked for an escrow break out, never got it. There are funds that are currently missing.Full payments missing. Please help with holding this Lender accountable. I have all bank records and letters to verify these issues
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting Act XXXX account consumer reporting XXXX XXXX XXXX # XXXX. fed loan # XXXX, XXXX XXXX XXXX # XXXXBankruptcy chapter XXXX # XXXX Has violated my rights. 
15U.S.C.1681 Section 602 A. States I have rights to privacy.

15 U.S.C.1681 Section 604 A. section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.