23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My house was put on the market last year as a short sale when my ( now ) ex husband went to jail. The house was upside down and I could not pay for it alone with XXXX kids. I quickly got an offer in XXXX or XXXX XXXX. Bank of america short sale dept closed the short sale multiple times and made us start all over each time without notice due to " inadequate documentation ''. Each time we proved they had the documents already, but it was too late, we still had to start all over. This went on and on until spring of this year XXXX. They finally accepted the offer, but still could not close in a timely manner and my buyer backed out eventually which then put me on the foreclosure list. I had about two weeks to come up with money to keep from being foreclosed so I signed a deal to modify the loan and borrow the money to stop foreclosure. This gave my realtor time to find another buyer. She did. Now I have had this buyer since spring. His offer is even better than the first buyer. My initial close date quoted was XXXX XXXX and that has now been postponed. They still have not made a decision about accepting the offer or not. BOA had actually accepted the previous buyer 's offer which was less. I have moved out of the house. I am no longer able to pay for it. Bank of america is impossible to communicate with. I am getting nowhere with this and if this buyer gets impatient with them it will foreclose. I know foreclosure benefits no one. I do not understand what the ongoing delays are. I am almost at a year of nonsensical delays. We have been moved from one customer relationship mgr to another, all of which do not communicate well. If the home forecloses it just forecloses, I am not interested in retaining the property, but it seems ridiculous when I have a buyer that can complete a short sale.
Product: Payday loan, title loan, or personal loan

I contacted the company today regarding the loan. I have been paying XXXX twice a month since XX/XX/XXXX. I attempted to log on to my account to check the balance and review my contract. I am aware of the high interest rate of the loan but felt I had payed too much for the loan. When I tried to logon to my account access was denied. I emailed the company regarding this matter today and was advised I owed 2 more payments due on XX/XX/XXXX. One for a missed payment which I was unaware of any missed payments. I was told account information was not available at this time online. I was advised by email when I opened the account that I would have access at all times to this information. I requested a copy of my contract today Im the email and no response was given to this request. If they can not provide me a copy of my contract or interest I have been charged then how can this be a legal contract. I realize part is my fault for being desperate and dumb at the time. I printed a copy of the contact at the time but have moved since then and had misplaced it. They identify themselves on their website as a tribal lender in Montana. I am not sure exactly how much the loan was for again at the time I was desperate. I feel that withholding documents is not legal and I should be reimbursed the interest I have paid them at the very least. Now I am not even sure this was a legal lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have submitted a letter from Equifax indicating that they were deleting seven hard inquiries from our credit report. Instead of reading the letter they continue to offer us paid subscription services as a solution to our complaint We do not want to pay for Equifax services we want them to do what they stated they would do in the attached letter -- DELETE SEVEN ( 7 ) UNAUTHORIZED HARD INQUIRES.
Product: Credit reporting or other personal consumer reports

The following accounts are reporting negatively on my credit report, please investigate the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX : I had scheduled a payment to be transferred to my daughter 's mother for my child support of payment {$280.00} on XX/XX/2020. As of today XX/XX/2020 my recipient has not received the money sent yet the funds have been deducted from my account. I have called Chase numerous times and it has even now been escalated to the executive department, but even then my understanding of that department is to get them ready for inquiry from a government agency as I had already indicated to them that I was going to be submitting my complaint with the CFBP. 

Background : I have been using this method to transfer funds for upwards of five years. I have not had an issue with it ever. Also, this transaction is done twice a month and has been like that ever since I started using Chase 's QuickPay feature. 

Issues : I was never contacted and told that the funds are being held. I got the same payment notification that I normally get when I send funds. No department is/was able to tell me why the funds are being held ; and till this day no one is still able to tell me why the funds are being held or what is the expected date that the funds will be available. All any agent could say is that they funds would be there eventually or that I would receive some notification on it. The denomination is to small to trigger a red flag and the amount is consistently sent to trigger some sort of fraud activity. If it had not been for my XXXX 's XXXX to let me know that the funds have not gone through I would have not know that she never received the funds. Lastly, I had to send another child support payment to cover the transfer that has not gone through ; even though there is no resolution on the pending payment. My daughter 's mother was even lied to as she was told, XX/XX/XXXX, that the funds would be available the next day, XX/XX/XXXX ; of course that never happened and still the funds are pending. 

Ethical Dilemma : Thankfully I am able to cover the transfer that has not gone through. ( The transaction on, XXXX XXXX, went through with no issues. ) It is however very concerning in a time when families are experiencing financial difficulties that a bank is able to hold funds for upwards of 15 days without any explanation. With still no notification that it had even been held. With no customer service rep being able to answer what is going on. This type of confusion causes distrust with banks. When consumers start to feel distrust with banks and stop depositing money with financial institution it can cause a real problem. Families need to feel they can depend on the financial institution to handle their business and keep them fully informed on what is going on. Not to mention that there are families that would not have been able to do what I did and send the money again while the original payment is still pending.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/2022 : My wife and I were in the process of selling a piece of furniture to someone through XXXX XXXX  and the buyer requested to make a payment early to reserve the item. The buyer suggested using XXXX and, since we've used in the past, we opt 'd in. 

Upon exchanging information with the buyer, my wife received an email from XXXX outlining a validation process requiring us to send money since our XXXX account has not been used for a while. This email raised some red flags and we immediately contacted Chase customer support using the number on the back of our debit card. The Chase customer service representative was familiar with the process we described and advised us to follow the process outlined in the email. Although strange, we trusted what the customer support rep had to say and proceeded to send {$200.00} for verification. 

Almost immediately, we realized this was a scam and called the Chase customer support line again. After going through all of the details over the phone, the customer support rep said there was nothing they could do because the transfer was made through XXXX XXXX confirmed by the escalations manager as well ). They filed a report and " curtesy request '' to recover the funds, but advised that there are no guarantees. The customer support agent apologized on behalf of the other agent who originally told us to follow the process, but confirmed that there was no way to rectify the situation- we are now at a {$200.00} loss and left with little trust in the financial institution we've been banking with for several years.
Product: Mortgage

NewRez XXXX XXXX XXXX XXXX, SC XXXX On XXXX I paid off a home loan. On XX/XX/2020 I received an escrow disclosure. For the last 7 weeks I have been trying to get my tax escrow refund from NewRez. I have called numerous times and talked to numerous people that work for NewRez. All of them have assured me that the refund monies in the escrow account would be sent to me. I contacted them on XX/XX/2020 and they told me the check was mailed on the XX/XX/XXXX. I called about a week later and told them I hadn't received the escrow check. NewRez told me to wait a few more days and call back if I didn't receive the check. I called on the XX/XX/2020 and they told me that they would wire transfer it to my banking account. I gave them all the information they need to do the transfer. I receive a call on XX/XX/2020 from NewRez saying that they transferred the funds to my banking account. The funds never showed up. I contacted NewRez on the XX/XX/2020 and they told me the transfer was on hold? I called the next day and they told me the escrow check had been mailed on XX/XX/2020. I also asked for some one to call me regarding this problem. I called today XX/XX/2020. And informed them that I have not received the check and no one has contacted me. Today XX/XX/2020 they told me they were going to wire transfer the money to my bank. Some one from NewRez would be contacting me. 
I need help!
Product: Mortgage

I obtained a mortgage loan with JG Wentworth in XXXX 2016. I made a payment in XXXX, with an additional amount not be credited to Principal. The loan was transferred to XXXX with the first payment ( XXXX ) showing as being paid, but missing the Principal payment. When contacted, they stated that it would take up to 60 days to transfer the additional principal. I do n't feel that 60 days is a reasonable amount of time, since they were able to correctly apply and transfer the payment that was made in the same transaction.
Product: Student loan

In XX/XX/XXXX-XX/XX/XXXX I had a employee steal Me from my class to sign papers threatening me If I didn't take out more loans I would be kicked out. I was gullible and naive not to read the fine print. The quality for education wasn't worthy of the loans plus interest. This school is a scam. The school is responsible for me taking out both loans. Also my credits didn't transfer to grossemont
Product: Debt collection

I submitted XXXX verifications of debit request to debt collector without a response. They are still reporting to Credit Agencies and I have submitted claims to those agencies. XXXX is investigating the claim at this time. The other XXXX agencies has removed the claim. I would like the agency to remove the debt and to cease and desist all collection activity on this debt as it has not been validated. Remove all remarks from credit reporting agencies.
Product: Mortgage

In XXXX of XXXX i was struggling with XXXX and I missed a payment of the amount of {$1800.00}. I called Planet Home Lending to let them know of the situation. I was scheduled to pay it off in XXXX. I paid off my mortgage for both XXXX and XXXX in XXXX. I have never missed a payment since closing on the home in XXXX of XXXX. I would like to dispute this as this has caused a negative impact on my credit when something shouldve been done. I have tried calling Planet Home Lending to see if anything could be done and they said that there was nothing.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX {$75000.00} This company has willingly and knowingly violated my rights as a consumer. This company is in violation of the Fair Credit Reporting Act and the XXXX XXXX XXXX. Violations of the XXXX XXXX for non-compliance can result in fines up to {$100000.00} per each violation for financial institutions.With that being said this company along with Experian, XXXX, and Experian have been notified of the violations by me and no action has been taking. I am depending on the CFPB to make sure action is taking and to show these companies, organizations and institutions that they are not above the law. 

Under the XXXX XXXX XXXX U.SC. XXXX et seq. also known as the XXXX Services Modernization Act of XXXX  I the consumer should be giving the option to opt out of my nonpublic personal information being reported to or with non-affiliated third parties. The opt-out notice must be must be explained clearly by financial institutions and provided in writing at the time of an in-person transaction and electronically for a online transaction. 

This option was NEVER provided to me! I request that this account be deleted and no longer be reported on my credit report.
Product: Vehicle loan or lease

Chrysler Capital is beyond XXXX!! This was new XXXX and I have paid them XXXX and they still want to bleed me dry over late fees of XXXX the car is paid off and the value of the car at trade in is XXXX which is nothing. This car was a lemon and went thru XXXX transmissions. I have also contacted a local lawyer that is going to represent me on contingency for this loan and the fact the car was a lemon. This loan has bled me dry and Chrysler Capital online support and over the phone has been the worst I have ever dealt with. They will just end chats and I have been hung up on! They are beyond rude and will not let me dispute and ignore me. I have dealt with so much abuse from this horrid company. I have even offered XXXX to just pay these fees and them waive the balance and call it even. I feel as if these fees are exorbitant considering I have paid them almost XXXX in interest on this car!! They have made enough off of me. I want this fixed and they just ignore my messages.I am no longer calling them to get abused on the phone and get a different story from every single rude person there. This is unacceptable. I have also sent this information with copies of messages and screen shots from Chrysler with all of the receipts. Plus online it says account past due. Which is obscene
Product: Money transfer, virtual currency, or money service

I had a personal PayPal account that was opened and used for friends and family transactions. PayPal closed my account without any warning. They : -Kept the balance of {$4000.00} and refuse to release the funds for 180 days -Reversed a prior withdrawl in the amount of {$5300.00} from my bank without my consent. I have since filed a chargeback on this transaction. 

I have spent several hours on the phone with PayPal and have reached zero resolution. I am being discriminated against. They are yet to cite one reason for the account closure or terms of service that were broken. They always referred to the " back office '' and refused to let me speak with them. My family and friends continue to be able to use PayPal, I am being discriminated against and can not use their service. My funds are still being held without a reason given. My account was always in good standing with zero issues or chargebacks.
Product: Credit card or prepaid card

I opened an American Express Delta Rewards Credit Card XX/XX/XXXX. 
At some point in XX/XX/XXXX I was awarded bonus miles. 
I accrued nearly XXXX miles via this credit card during this time. 
In XX/XX/XXXX I attempted to access my Sky Miles Account via Delta. 
Delta notified me the account that was linked to MY credit Card was not mine. 
I informed Amex. Amex informed me to contact Delta. Delta informed me to contact Amex. I filed multiple tickets. I only have 2 of the numbers ( XXXX, XXXX ) I ultimately was able to determine the account that recv 'd the miles was my daughter. Who does not have an Amex account. 
American Express continues to deny responsibility for awarding the points to the wrong Account number. 
I have been patient with American Express for almost 6 months. I am trying to plan my vacation with miles I worked to accrue. They will not award me the points and they now say too much time has expired to do anything about the issue. Time expired b/c they continued to push me around and failed to act in a timely manner. XXXX sky miles now sit in the wrong persons account. How is this possible?
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT AN UN-AUTHORIZED THIRD PARTY. I am making this complaint on my own there is no third party involved. 
This complaint is about me getting taking advantage of due to malpractice of while several laws are being broken under FCRA by your company. This has caused financial injuries on my credit report. 
Its caused me Defamation of character. I am unable to get a job, get approved by credit card companies, or buy a house. 
I have tried serval times to apply for loans such SBA loan, but due to the pandemic under this crisis you have hurt my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX inaccurate XX/XX/XXXXinaccurate XXXXXX/XX/XXXX IS APART of Bankruptcy should be removed XXXX XXXX inquires are reporting incorrectly not accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

My address is XXXX XXXX XXXX XXXX XXXX, Georgia XXXX. 
XXXX XXXX  XXXX Acct # XXXX is A fraud account. 
Sent in paperwork to the bureau to prove it.
Product: Credit card or prepaid card

I had a BEST BUY/CBNA credit card back in XX/XX/XXXX and XX/XX/XXXX also XX/XX/XXXX and XX/XX/XXXX I had late payments this was awesome my first winter of having a XXXX job so I was unprepared for the low amount of unemployment I was going to get and the amount of bills that I had in XX/XX/XXXX I paid in full and closed this account
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected rights to privacy and confidentially under 15 usc 1681. 

Experian, XXXX and XXXX have violated my rights to privacy and confidentially. 

15 usc 1681 section 604A states that I have the right to privacy.

15 usc 1681 section604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 
15 usc 1681c ( a ) ( 5 ) States, no consumer reporting agency may make any consumer report containing any of the following items of information, any adverse item of information, other than records of conviction of crimes which antedates the report by more than 7 years.

15 usc 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: Money transfer, virtual currency, or money service

Subject : Request for Investigation and Legal Action Regarding Zelle Practices Dear CFPB Representatives, I am writing to express my concerns about ongoing issues with Zelle, a widely-used peer-to-peer payment platform, and to request that the Consumer Financial Protection Bureau ( CFPB XXXX investigate potential violations of consumer protection laws. Many users, myself included, have encountered significant issues involving fraud, lack of recourse for unauthorized transactions, and insufficient consumer protections.

**Fraud and Unauthorized Transactions** Numerous reports highlight Zelle 's susceptibility to fraud and scams. Consumers have lost substantial amounts of money through unauthorized transactions and scams where funds are sent without proper recourse for recovery. Despite the Electronic Fund Transfer Act ( EFTA ) and its implementing regulation, Regulation E, which provide protections for unauthorized electronic transfers, many users report that Zelle and its partner banks fail to adequately address these complaints. 

**Lack of Transparency and Accountability** Zelle 's dispute resolution process is opaque, leaving many users frustrated and financially harmed. Victims of fraud often report being redirected between Zelle and their banks, with neither taking responsibility. This lack of accountability undermines consumer trust and confidence in digital payment systems.

**Need for Regulation and Oversight** Given Zelle 's central role in electronic payments, it is imperative that the CFPB take action to ensure compliance with federal laws. Specifically, I urge the CFPB to : 1. Investigate Zelle and its partner banks for potential violations of Regulation E and the EFTA.

2. Mandate clearer and more robust consumer protections for Zelle transactions.

3. Require Zelle to implement stronger fraud prevention measures and provide transparent dispute resolution processes.

4. Advocate for stricter liability policies for financial institutions to protect consumers using third-party payment platforms.

Digital payment platforms like Zelle offer convenience, but this should not come at the cost of consumer safety and financial security. I urge the CFPB to prioritize this issue and take swift action to address the systemic problems with Zelle.

Thank you for your attention to this matter. Please feel free to contact me at [ your phone number ] or [ your email address ] if additional information is needed. 

Sincerely, XXXX XXXX XXXX I have used zelle with multiple banks XXXX XXXX XXXX XXXX XXXX and there were times were funds where sent to wrong individual and I couldn't retrieve those funds and was told there was nothing they could do about it.
Product: Vehicle loan or lease

World Omni Financial Corp submitted Form XXXX Cancellation of Debt to IRS on XX/XX/2014 but has not cleared the public records of collection, resulting a damage of my credit score since 2014 to now.
Product: Debt collection

I had a XXXX bill that was fraudulently obtained in my name. I ultimately had the collection removed and deleted from my credit reports. The collection agency that removed the debt was XXXX collection agency after concluding that I did not open this account and it did not belong to me. 
Diversified Consultants has placed the collection back on my reports without notifying me and without giving me the opportunity to dispute the debt, XXXX informed me that they did NOT place a collection with Diversified Consultants and to dispute the collection. Had Diversified Consultants properly validated the debt according to the FDCRA they would have known the debt is a result of fraud.