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

On XX/XX/2019, at XXXX XXXX XXXX XXXX XXXX, I tried to use my PayPal account on my phone, and I was unsuccessful. The account was locked, the email did not unlock it, chat was not offered on the app, initially was not provided with a customer service to call. After several attempts to reset via email and texts, I was provided access to customer service at XXXX. I spoke with XXXX, she wanted me to use my computer, which I did not have immediate access to. She had me try the browser on my phone and again it did not reset. Eventually she had me delete my app and reload it, that failed, She then tried to get me to set up a new account. I did not think that was a good idea, even though she said she would transfer the money to the account. Then when I agreed to use my computer, the attempt still failed. She put me on hold, and when she returned told me it would take 24 hours for me to access my money. I told her I thought that was against the law because there was no question about who I was or whether the funds were legitimate. It is a {$50.00} account. She said that was what had to happen. I said I would report it to the governing agency and she said that was ok. I asked her who governs PayPal and she put me on hold, then sent me a new email and asked me to try again. I did try and that time it worked. 
I am very unhappy about the difficulty I faced logging in and the poor help I was provided. The biggest problems were being told I would have to wait 24 hours to access my account during a business week and then being asked to set up a new account which she could transfer my funds to. XXXX told me my call was recorded. 
I would like communication with someone in authority at Pay Pal or know that someone in governing authority addresses this at Pay Pal regarding this issue and how it will be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX asked for contract and couldn't provide and didn't delete XX/XX/2021 XXXX asked for sign documents and couldn't provide and didn't delete XX/XX/2021 XXXX ask to be deleted because this isn't mines
Product: Student loan

I was in a deferral period with both Fed Loan Servicing and XXXX and submitted the paperwork to consolidate and continue to defer my loans. The organizations did not process my paperwork in a timely manner and it caused all my student loan accounts to go into delinquency. I was never informed that the paperwork had not been processed or that I was back in a repayment period ; therefore, I became 180 days delinquent without ever being notified. Finally after the 180 day mark I received a letter from the organization stating that I was delinquent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My office was broken into and several identity documents were stolen. The following inquiry showed up on my credit report and was not authorized by me and was made without my knowledge or consent. I have attached a copy of the police report. 

TD Bank / XXXX XXXX Date : XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX, who has a consent order for failure to report accurate information is reporting my information incorrectly to XXXX, and Equifax. I have contacted the bureaus, but they merely rely on the XXXX XXXX XXXX and never do an investigation which is my right under the FCRA. Instead, they just delete data fields or say they have already investigated it. As we know, the credit bureaus must report 100 percent accurate information. So, how can all three bureaus have different information and it be verified at the same time? This is not accurate. Additionally, Equifax and XXXX has reported differently. For example there is no account number on neither. The agency names are different on both Equifax and XXXX. On Equifax the STATUS reports unpaid, where XXXX reports Account seriously past due date/ account assigned to attorney, collection agency or credit XXXX XXXX XXXX department XXXX I want this deleted from all two credit bureaus as they have violated my rights by reporting inaccurate information and have caused financial harm because of it. In accordance with the FCRA, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and 1692. Account XXXX XXXX # XXXX XXXX. 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 ) States : No consumer agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 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. 15 U.S. Code 1692c 15 U.S. Code 1692b ( 3 ) 15 U.S. Code 1692b ( 4 ) 15 U.S. Code 1692b ( 5 )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX has placed 2 inquiries allowed by someone else. This bank operatess out of nevada i do not do online applications and i do not need any loams or card not have i applied.i got a letter from XXXX XXXX my info was compromised. I advised company to remove inquiries and never enter my social into my their a Database. This govverment complaint was also requested by company. One inquiry was XXXX. One in XXXX Company adress is XXXX XXXX XXXXXXXX XXXX XXXX  nv XXXX
Product: Mortgage

Hi, I sold my house on  XXXX / XXXX / 17  and the title company overnighted the certified check for the payoff amount to the lender and the lender received it on  XXXX . However, the lender returned the check due to their system error. After the title company received the returned check, the title company had to wait a few days to clear the check. on  XXXX  before    XXXX   XXXX   ( eastern  ), the title company wired the payoff amount again. However, the lender took care of it on  XXXX . Thus, I had to pay the additional 9 days interest of {$270.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

experian took more then 30 days to complete an investigation on collections accounts, i have recieved and no cooperation nor any proof they are mine.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding XXXX XXXX incomplete reporting of my credit card status. Over a year  ago, I paid off this credit card in full, reducing the usage to 0 %. XXXX XXXX inaccurately reported this to TransUnion, XXXX and XXXX, where the account remains inaccurately reported in bad standing. The reports all show different things which is unacceptable and unprofessional. 

Complaint Basis : Under the Fair Credit Reporting Act ( FCRA ), information furnishers are required to report accurate and complete information to all credit bureaus. XXXX XXXX failure to correct this information on XXXX and XXXX violates this requirement, which has impacted my credit profile and potentially harmed my financial standing. 

I request that XXXX XXXX promptly update the status of this credit card on XXXX and XXXX to reflect that it is paid in full, with 0 % usage. Please confirm that XXXX XXXX has completed these corrections on all bureaus. 

Thank you for your assistance in resolving this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

Complaint Against PHH Mortgage for Violating Rights Under Negotiable Instrument Law and Other Federal Regulations PHH Mortgage Loan Number : XXXX Dear Consumer Financial Protection Bureau, I am filing this complaint regarding PHH Mortgage 's handling of my loan, specifically related to their disregard for applicable negotiable instrument laws, as outlined in the Texas Business & Commerce Code ( Section 3.104 ) and other federal statutes.

I have been in the process of learning about negotiable instruments and their lawful use, particularly in the context of my mortgage agreement with PHH. My intention has always been to follow the law and conduct myself appropriately in accordance with Texas statutes and the Uniform Commercial Code. Unfortunately, PHH Mortgage has not only failed to acknowledge my efforts but has also made accusations of fraud, frozen my account, and issued intimidating communications, all of which violate my right to an informed use of credit under 15 U.S.C. Chapter 41. 

I am not attempting to commit fraud. The steps Ive taken follow established laws governing negotiable instruments, including the use of promissory notes as valid instruments. These instruments are legally binding under Texas law, yet PHH Mortgage has failed to meet its fiduciary responsibilities about these transactions. Additionally, PHH has been benefiting from the instruments without proper disclosure to me, which constitutes a violation of fiduciary duty.

PHH Mortgages actionsthrough freezing my account and threatening mealso interfere with my rights under 15 U.S.C. Chapter 41, which ensures that I have the right to informed use of credit. Their aggressive tactics, which suggest I am engaging in fraudulent activities, are not only unfounded but constitute potential libel and slander. If this behavior continues, I intend to pursue legal action and hold them accountable for these violations. 

Furthermore, PHH is legally obligated to present the negotiable instruments I have endorsed and tendered for payment under Texas Business and Commerce Code, Section 3.501. They can not selectively disregard these laws. PHH Mortgages refusal to process these instruments and their failure to meet their legal obligations under federal and state law is why I am bringing this issue to the CFPB 's attention.

I am requesting an immediate review and resolution of PHH Mortgages conduct to ensure they comply with applicable negotiable instrument laws, the Texas Business & Commerce Code, and federal consumer credit regulations. 

Thank you for your attention to this matter.
Product: Debt collection

MIDLAND FUNDING LLC HAS REPORTED {$2900.00} ON MY CREDIT REPORT THAT I DO NOT OWE THIS DEBT WAS PAID IN FULL. I ASK FOR PROF OF EVERYTHING THEY SAY I HAVEN'T PAID THEY SAID THEY CANT PROVIDE ME WITH THAT INFORMATION OR PROVE I OWE THIS DEBT I PAID FOR EVERYTHING I BOUGHT ON THIS XXXX CARD
Product: Student loan

I originally borrowed {$54000.00} for my education with the last of the student loans taken out in XXXX. I now owe {$390000.00} because of interest, and fees, and a massive consolidation charge tacked on to my loans in XXXX. The law states that student loan interest and fees must be reasonable. My situation is by no means reasonable, fair, or justifiable. By continuing to maintain this balance XXXX is breaking the law, and is in fact engaged in indentured servitude as this payoff amount versus my income ensures that I have no chance of paying this off before death. This amount also ensures that I can not save for my XXXX children 's education, I can not get credit for a home, transportation or again my children 's future education. I need your help.
Product: Checking or savings account

I received a text the morning of XX/XX/19 that said I needed to call to verify information on my accounts or they would be locked. I immediately called Chase bank and requested information. They informed me that my accounts were already closed and they couldn't tell me why. When I went to the local bank, they told me that I was not allowed to get my money out of any of my accounts, despite being told earlier that I could. They also couldn't tell me why my accounts were closed. I called another Chase banking number to ask why my accounts were closed and when I would get my money from my accounts. They said that they could see why they were closed but still refused to tell me and refused to let me get my money out. No one will tell me anything related to my accounts or my money.
Product: Vehicle loan or lease

I Purchased a new vehicle with SunTrust bank in XXXX of XXXX. Apparently Suntrust was incorporated into Truist Bank at some point but I was never notified of a pending change. I selected SunTrust as a lender based on their available services and online interface. 

I was never notified that my loan would be managed by a new bank or a new website would be required to login to. I strictly bank online, have never been to a branch, yet all my statements and tax/interest information is no longer available at the old website ( Suntrust no longer able to be accessed ) nor at the new website ( Truist ). 

Truist bank 's only answer is that the " SunTrust statements did not carry over '' and I have no proof of interest paid in Tax Year XXXX for my accounting.
Product: Checking or savings account

I work for the XXXX XXXX XXXX XXXX. I deposited my work check pay date XX/XX/2018 for the amount of XXXX dollars into my checking account.The check was unable to process. I was told that the bank that written the payroll check had insufficient funds. After contacting Fifth Third several times I was unable to get assistance on why the check didnt clear. On top of rude customer service every account specialist that I spoke with gave me different dates on which I MIGHT be able to get my funds. Being that the post office is a federal agency job I should have had faster results. Instead of a date saying it will be processed after the holiday when thats a whole new pay period. They delayed bills from being paid. Fifth third is by far the worst bank I ever dealt with. And I dont suggest them to no one. I will also contact news station to let potential customers know how they treat their customers. Thank you
Product: Debt collection

A companie called XXXX XXXX XXXX call me and my family threatened my to suit me and saying that I have a court date and a amount of almost XXXX $ to pay if I dont do a payment of XXXX so out of fear I did an arrangement of 10 mount payment. Contact the bank that I own money they dont have any information also they give me there number and no one pick up. After making the arrangements to the payment I have a notification that my email and some of my password has been exposed on different side without my authorization. Also I have no documentation provided by that company
Product: Credit reporting, credit repair services, or other personal consumer reports

YOUR COMPLAINT On XX/XX/XXXX I submitted complaint # XXXX through the CFPB about EQUIFAX reporting INCORRECT information on my Credit Card with XXXX  XXXX XXXX  account XXXX XXXX XXXX XXXX XXXX. I stated that it was reporting this account as being 30 days late on XXXX or XX/XX/XXXX AND 90 days late on XXXX or XXXX and that that information was incorrect as I had called XXXX  XXXX XXXX  and they promised to make a MODIFICATIONS to my account using the CARES ACT ( which is good XXXX, XXXX ) which would ADJUST my credit reporting to CURRENT and ON TIME. NOT LATE if I made a payment with them that day. I will attach proof that I was making large payments to cover the back payment due as well when they agreed to make these modifications. I had both health and financial issues during COVID which is EXACTLY who the CARES ACT was meant to protect!! EQUIFAX has FAILED to see me as a person with rights protected under not ONLY the CARES ACT which states CARES ACT IMPACTS CREDIT REPORTING Under the CARES Act, you can make an agreement with your lender to skip a payment, make a partial payment, or set up some other arrangement and be considered current, so long as you meet the terms of the agreement. If an agreement is made and an account is already delinquent, that status will be lifted once your account or loan is made current. If you bring your account current, the creditor must report you as such. These requirements apply to agreements made between XX/XX/XXXX, and 120 days following XX/XX/XXXX, or 120 days after the national emergency ends but also under consumer rights 15 US C 1681 Section 603 ( 3 ) ( E ) which States The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They have YET to give me a fair and proper investigation as a matter of fact they are NOT ALLOWED to use as stated - information shall NOT include specific factual information on a consumers credit record obtained DIRECTLY from a creditor of the consumer OR from a CONSUMER REPORTING AGENCY when obtaining information in an investigation about a dispute!!!! They just continue to deny me of my rights again and again. 
NOW in their INVESTIGATION they are showing even more DISCREPANCIES!! You will see in my attachments they are STATING the account is PAYS AS AGREED and shows NO DATES OF DELINQUENCY and then in super fine print below that lists my account in DELINQUENCY PAST DUE CODES!! MORE DISCREPANCIES AND VIOLATIONS!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF TRANSUNION NEEDS AUTHORIZATION TO PROCEED, THEN I XXXX TRANSUNION MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT. I, XXXX XXXX, consumer and natural person, am a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Removal Request Of Unauthorized Hard Inquiries Dear Credit Reporting Agency, The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, without permissible purpose or authorization. 

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 XXXXXXXX Delete from file I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity. Please forward any changes to my file to the address above and to the necessary creditors within the allotted legal time frame. 

Best regards, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Re : Removal Request Of Unauthorized Hard Inquiries Dear Credit Reporting Agency, The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( XXXX ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, without permissible purpose or authorization. 

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  Delete from file I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity. Please forward any changes to my file to the address above and to the necessary creditors within the allotted legal time frame. 

Best regards, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Re : Removal Request Of Unauthorized Hard Inquiries Dear Credit Reporting Agency, The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( XXXX ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, without permissible purpose or authorization. 

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 Delete from file I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity. Please forward any changes to my file to the address above and to the necessary creditors within the allotted legal time frame. 

Best regards,
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$21000.00}, {$25000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX, and the subsequent response received on XX/XX/XXXX, enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information, you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$21000.00} -This is not my account. 


-- PERSONAL ACCOUNT -- 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$25000.00} -This is not my account.
Product: Checking or savings account

My account has been locked for the last month and a half due to fraud, ive provided my last 4 of my SSN, my address, my birth date, my debit card, my name, my security word, and they still couldnt verify me, i have absolutely no way of accessing my money and they said it would be lost forever if i cant provide them a reference code i was supposed to get in the mail weeks ago, this is outrageous, i just want them to close the account and give me my money at this point.