23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

PAYPAL Scam company from XXXX was trying to still money from me and they said that they were from XXXX reviews and I was selected to participate on XXXX review programs at that point I didn't know that it was an scam company I believe them that they were from XXXX and they said that they were going to deposit money on my paypal account so I can try the product and write ONLY a good review. Start feeling that something was off and I ask them to cancel, they said that they couldn't and I told them that I was going to report the to XXXX they asked me to not do that ( I have the emails as proof ) they apologize and they told me that I don't have to send the product or money back ( I have proof of that as well ) months after the scam company subbmited a dispute against me about the {$30.00} to PayPal.

I spoke with a representative ( 3 of them ) all of the reps seems to not knowing what their doing and they just throw the ball between each other giving any kind of different information. Finally after 2.5 hours on the phone trying that they helped me I talked to a supervisor. She requested information from me she ends up telling that that
company was not scaming only me but also other people and she even gave me a gift card of {$30.00} ( Paypal Supervisor ) she said to make it up for the time that I wasted and the dispute was soved and close.

3 months after received a collection letter from paypal for the same dispute, someone didn't do their job there and not updated the system, they locked my paypal account and the customer service rep said that they can't do anything only collection nobody was able to solve they want me to pay something that I don't owe and it was " solved ''. I really think that PayPal needs to train their reps before that they even talk to people and the reps use same information and not each of them give wrong and different info. After wasted more time and talked to more people nothing was resolved
and the only thing the reps suggested was follow another dispute ( same thing I did before and provided them with proofs on time ) or pay the balance.
Product: Mortgage

My loan was signed by XXXX at XXXX. I was given an " Application & Disclosure Package '' PDF that includes " Notice Concerning Private Mortgage Insurance Initial Disclosure - Fixed Rate Mortgages '' that states I 'm eligible to have PMI removed on " The date the principal balance actually reaches 80 % of the original value of the property ''. 

This was a 30 year fixed rate conventional mortgage. I occupy the property. It 's a XXXX unit property. 

After reaching 79 % LTOV I called US Bank, my loan servicer, to start the process of removing PMI. The original phone guy I spoke to verified I was good to go and said he would send me some snail-mail about how to start the process. 

I received a letter from US Bank containing " Guidelines for Private Mortgage Insurance Cancellation ( Multi-Family and/or Investment Properties '' that says I must reach 65 % LTOV ( contradicting the 80 % in my disclosure from XXXX ). It also says I am never eligible for automatic termination of PMI ( which is also a contradiction to the disclosures sent by XXXX at XXXX- although it 's not affecting my situation ) When I called US Bank to straighten this out, after some phone tag to get to the right department, they said they do not have the documentation for my mortgage so can do nothing, but the will try and find it in their document center, which can take a week ''
Product: Mortgage

I, XXXX XXXX, submitted a Mortgage Assistance Application on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with the required documentation to PHH Mortgage Services. The documents consisted of a self-attested affidavit regarding my unemployment from XX/XX/XXXX until XX/XX/XXXX, which includes email correspondence with an HR department and a written explanation describing the details of my hardship, and a copy of my new signed offer letter for employment. Please see the attached. 

On XX/XX/XXXX, I called PHH Mortgage Services, XXXX XXXX Department, and was informed that the application submitted to the XXXX was not viewable. Therefore, I resubmitted it again via email on XX/XX/XXXX and XXXX mail to PHH Mortgage Services, XXXX XXXX Department, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX. 

On XX/XX/XXXX, PHH Mortgage Services stated that my application was complete which is also attached via email. However, on XX/XX/XXXX, PHH Mortgage shared that my application was incomplete again. 

Therefore, I called their Customer Care Center at XXXX on XX/XX/XXXX and was informed to submit a pay stub by a specialist. I shared with the specialist that I submitted the requested documentation 3 times which included 2 via email at XXXX and XXXX, and XXXX Mail at PHH Mortgage Services, XXXX XXXX Department, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX which the attached pay stub dated for XX/XX/XXXX within 90 days. 

The total required documentation submitted was 5 of my most recent monthly bank statements showing income deposit amounts. A pay stub at an hourly rate of {$40.00} and {$48.00} per diem per workday, documentation about my hardship challenges, an affidavit. 

The hardship-causing mortgage challenges began on XX/XX/XXXX and are short-term. My appointment is typically scheduled within another 14 days with my assigned PHH relationship manager. 

The ongoing emails of incomplete applications after submitting the requirements with an email stating that my application was incomplete is concerning and warrants a complaint after speaking with a supervisor on XX/XX/XXXX. The supervisor at PHH Mortgage Services confirmed the receipt of all documentation including paystub dated on XX/XX/XXXX. It is disappointing that this servicer continues to state that my application is incomplete after confirming the receipt of emailed and mailed documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my Credit Report I noticed that there is still DEPTEDXXXXXXXX XXXX that is reporting erroneous and incorrect information.I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the account needs a proper action to assure maximum possible accuracy on my credit file. Hence, I am asking for another investigation.
Product: Student loan

I have tried to contact Edfinancial twice over the end of XXXX and Mid XXXX to inquire about my student loan refund and have consistently received conflicting information. I have made it clear to them that my loan payments are to be refunded so I can cancel them. 

The first rept told me it would take XXXX  days, which is totally unacceptable. Then the later one told me they are not sure. They also refused to provide a paper trail such as email to prove that my refund is in process or that I called them I need my loans refunded soon because I 100 % qualify for the XXXX Loan Cancellation Program.
Product: Payday loan, title loan, or personal loan

The original loan was with XXXX and then that company went bankrupt. The loan kept gaining interest and it was not communicated to me who was the owner of my loan and what was happening with my loan. I did not know who to contact. Now, XXXX is the owner but they are hard to contact because they do not list a telephone number or who their staff is.
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 measures to prevent and address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply With error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, And I seek appropriate address for these violations.
Product: Credit reporting or other personal consumer reports

There is information in my file, stated below, that I have identified as information that resulted from identity theft. 

In XX/XX/XXXX, pursuant to XXXX XXXX police report, case number XXXX, I was a victim of identity theft when my wallet, drivers license, social security card and credit cards were stolen and these items were used over 20 times by different parties to commit fraud. 

On XX/XX/XXXX, I was a victim of identity theft when a female impersonating me shoplifted items from a XXXX XXXX in XXXX XXXX, Maryland. I received a summons to appear in court to answer charges of grand larceny. Upon investigation, I learned that that my information was made available in an identity theft ring that spanned across the united states and that there were multiple copies of my drivers license and actual social security card that was made available to multiple identity thieves across the U.S. I was able to get the criminal case number XXXX filed by the XXXX XXXX XXXX Police Department expunged due to the theft of my identity. 

On or about XX/XX/XXXX, XXXX announced that an unauthorized party stole data associated with certain user accounts in XX/XX/XXXX. It was then that I learned that my personal information was made available to third-parties and actually being sold on the internet. The number of times criminals used my personal information to commit identity fraud and open fraudulent credit accounts and apply for loans and other benefits is too many to count. Even though I have taken all of the security precautions after having my identity stolen multiple times, thieves continue to use or sell my data, which affects me to this day. 


XXXX XXXX XXXX, XXXX - XXXX XXXX - Date Opened XX/XX/XXXX. 
XXXX XXXX XXXX - XXXX - US Bankruptcy Court XXXX XXXX Reference Number : XXXX Date : XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Work with company to get better credit score an have inaccurate stuff on credit removed didnt see results when I called they never clear information
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted XXXX numerous of times took the proper steps to get the all resolved and they keep updating my profile as remaining These inquiries should not be on my profile as they were made due to fraudulent Creditor XXXX  Inquiry Date XXXX Creditor : XXXX Inquiry Date : XXXX Creditor : XXXX XXXX Inquiry Date : XXXX Creditor : XXXX  XXXX Inquiry Date : XXXX Creditor : XXXX XXXX Inquiry Date : XXXX Creditor : XXXX Inquiry Date : XXXX Creditor : XXXX Inquiry Date : XXXX Creditor : XXXX Inquiry Date : XXXX Creditor : XXXX  XXXX Inquiry Date : XXXX Creditor : XXXX XXXX Inquiry Date : XXXX Creditor : XXXX XXXX Inquiry Date : XXXX Creditor : XXXX XXXX Inquiry Date : XXXX Creditor : XXXX Inquiry Date : XXXX Creditor : XXXX XXXX Inquiry Date : XXXX Creditor : XXXX Inquiry Date : XXXX Creditor : XXXX  XXXX Inquiry Date : XXXX * DateXXXX XXXX, XXXX * CompanyXXXX XXXX XXXX * DateXXXX XXXX, XXXX * CompanyXXXX XXXX XXXX XXXX XXXX * DateXXXX XXXX, XXXX * CompanyXXXX XXXX XXXX XXXX * DateXXXX XXXXXXXX, XXXX * CompanyXXXX XXXX XXXX XXXX * DateXXXX XXXX XXXX XXXX * CompanyXXXX XXXX XXXX * DateXXXX XXXX XXXX XXXX * CompanyXXXX XXXX * DateXXXX  XXXX, XXXX * CompanyXXXX XXXX * DateXXXX  XXXX, XXXX * CompanyXXXX  XXXX XXXX XXXX * DateXXXX XXXX XXXX XXXX * CompanyXXXX XXXX * DateXXXX XXXXXXXX, XXXX * CompanyXXXX * DateXXXX  XXXX, XXXX * CompanyXXXX XXXX XXXX  XXXX XXXX * DateXXXX XXXX, XXXX * CompanyXXXXXXXX XXXX XXXX XXXX * DateXXXX XXXX, XXXX * CompanyXXXX  XXXX * DateXXXX XXXX, XXXX * CompanyXXXX XXXX XXXX XXXX * XX/XX/XXXX * CompanyXXXX XXXX * XX/XX/XXXX * CompanyXXXX XXXX XXXX XXXX * DateXXXX XXXX, XXXX XXXX CompanyXXXX XXXX XXXX XXXX * DateXXXX XXXX, XXXX * CompanyXXXX XXXXXXXX XXXX XXXX * DateXXXX XXXX, XXXX XXXX CompanyXXXX  XXXX * DateXXXX XXXX, XXXX * CompanyXXXX XXXXL * DateXXXX XXXX, XXXX * CompanyXXXX XXXX XXXXXXXX XXXX * DateXXXX XXXX, XXXX * CompanyXXXX XXXX * DateXXXX XXXX, XXXX * CompanyXXXX XXXX XXXX XXXX  * DateXXXX XXXX, XXXX * CompanyXXXX XXXX * DateXXXX XXXX, XXXX * CompanyXXXX XXXX XXXX  XXXX * DateXXXX XXXX, XXXX * CompanyXXXX XXXX * DateXXXX XXXX, XXXX * CompanyXXXX XXXX XXXX * DateXXXX XXXX, XXXX * CompanyXXXX XXXX XXXX  XXXX XXXX * DateXXXX XXXX, XXXX * CompanyXXXX XXXX XXXX. 
* DateXXXX XXXX, XXXX * CompanyXXXX XXXXXXXX * DateXXXX XXXXXXXX, XXXX * CompanyXXXX XXXXXXXX * DateXXXX XXXX, XXXX * CompanyXXXX XXXX XXXX XXXX * DateXXXX XXXX, XXXX * CompanyXXXX  XXXX * DateXXXX XXXX, XXXX * CompanyXXXX * DateXXXX XXXX, XXXX * CompanyXXXX XXXXXXXX * DateXXXX XXXX, XXXX * CompanyXXXX XXXX * DateXXXX XXXX, XXXX * CompanyXXXX XXXX
Product: Mortgage

My name is XXXX XXXX XXXX XXXX, I had a first mortgage through XXXX at XXXX time that was sold to XXXX XXXX. I paid and was current with XXXX. I had a anytime line with XXXX Mortgage of XXXX through commerce Bank in which I paid down to {$26000.00}. Commerce foreclosed on my second. I had a summons on XXXX/XXXX/2015 which I went appeared to show and let the attorney for Commerce know and see the agreement and the payment that was already accepted. She did not know that my XXXX was with XXXX and that I was current on my XXXX mortgage, neither aware of my agreement to pay back commerce. So she continue the case to XXXX/XXXX/2015 in which I appeared. She told me she had good news and bad news. The good was that commerce was giving me back {$160.00} that I paid on the agreement with XXXX XXXX and the they were going to continue put me out my home and pay off my XXXX. I was devastated and dismayed to hear this. She continued the case until XXXX/XXXX/2015. I went back home to call my XXXX and they told me what they have been telling me for the last 4 months that as long as i was current with my XXXX that they would not allow anyone to purchase my XXXX mortgage. I hung up to access my account with XXXX online to not being able to, so i called XXXX back and while the attendant was helping me she discoverd that my loan was paid off as of XXXX/XXXX/2015. Told me commerce sent payments on XXXX/XXXX/2015, XXXX/XXXX/2015 and XXXX/XXXX/2015. I immediately contacted the vice president office to say to them what I am writing now. XXXX XXXX told me she would have someone contact me concerning this and that was not how Commerce operates. I get a call from a complaint person who calls me basically to tell me the home has been foreclose and that commerce purchase my XXXX. This process has not been handled correctly and now I am forced to get the media and a attorney involved. I want my home and made every effort in obtaining an agreement with commerce and also keeping my XXXX mortgage in good standing. I am attaching my XXXX mortgage document and agreement I had with XXXX XXXX. I want to resolve this and keep my home
Product: Student loan

On or about XX/XX/2024 I had ask XXXX for a good will removal for a 30 day late fee due to XXXX. They stated they would but cant because of the fair credit and reporting act that does not allow them to do a good will removal. This is not to my knowledge what the act says. Id like to get a good will removal. They also have reported that I am not more then XXXX payments late which is inaccurate. I was XXXX data late on the payment not XXXX late payments.
Product: Credit reporting or other personal consumer reports

Greetings and Blessings from the XXXX XXXX XXXX. Per the FCRA as a federally protected consumer and child of XXXX. I am formally opting out of all authorizations, I the consumer XXXX XXXX XXXX may have given XXXX XXXX XXXX XXXX written, unwritten, verbal and nonverbal per 15 usc 6802. For Account : XXXX and for Account XXXX, XXXX XXXX XXXX XXXX has consistently violated my federally protected rights. Despite numerous requests to cease their reporting to the CRAs ( Credit Reporting Agencies ) to which they have not provided documentary proof the CRAs are affiliated with the bank in any way to require my non-public information be sent to them without my authorization. Lack of authorization from me the consumer XXXX XXXX XXXX is a violation of my federally protected rights. According to their privacy policy it states as part of everyday business purposes as the consumer I can not limit sharing. If this is the case, why is 15 usc 6802 in place? The banks entire existence rests upon my signature and the authorizations that were given to them by use of my signature. Yet, under the hood XXXX XXXX XXXXXXXX XXXX has reaped all the benefits of my good name and has not provided me remedy or equity in any transaction they've made using my good name and social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed my bankruptcy after receiving a letter from the courts stating that they do not share nor verify bankruptcies with third parties like credit reporting agencies as XXXX, XXXX, and Transunion. Each dispute came back verified. I called and spoke with someone asked who did they verify the bankruptcy with and each bureau said the court where it was filed. Which is untrue
Product: Checking or savings account

I filed a report to Bank of America on XXXX XXXX regarding unauthorized transactions in my checking account. I told them i checked my account and the money that i had was being XXXX to this company called XXXX XXXX XXXX. I have never heard of this company and i didn't even know that you can XXXX to a company, i thought it was for close friends and family. The transactions that were sent as following : 1. XX/XX/2021 {$1200.00} 2. XXXX XXXX {$1000.00} 3. XX/XX/2021 {$1400.00} 4. XX/XX/2021 {$25.00} 5.XXXX XXXX, 2021 {$1500.00} 6. XX/XX/2021 {$2000.00} Total Amount : {$7100.00} I told them and asked them what i need to do, they told me they had filed a claim and will hold my checking account and help me open a new one. We had finished opening a new one and then they told me they will investigate this for 10 days and if still unresolved, they will credit me the money temporarily and have another 45 days to investigate. I recieved their denial letter today which is the 10th day dated XXXX XXXX. Their reason is because the transactions in question were completed using a device that is consistant with previous valid account activity. my claim is closed. 

This is not true since i didn't not do any of these transactions. I don't even know you can zelle to a company and i do not know this company called XXXX XXXX XXXX. I am not sure what to do since i have a strong feeling they do not care about this case and i called 2 times to confirm how my status is, every time they told me they were still pending and investigating the case. I feel like the bank just wanted to deny the claim and its like every protocol for big companies like Bank of America. In addition, the investigation work and response is ridiculous. Of course the person that stole my money would have my password and device ip address to send my money. How they did it? I don't know, but have you question who the recipient is? have the investigator contacted the company? why would i send money to this company called XXXX XXXX XXXX.? What the XXXX would i be buying? where is the reciept? and why would i use zelle to pay for anything? I just find it very ridiculous and it seems like a total Bank of America big coporation response to deny all initial claims. I worked really hard for my money and to have my money stolen from me is beyond outrage.

I want my money back from Bank of America, Please help me resolve this issue with them.
Product: Credit reporting

I submitted documentation from XXXX XXXX XXXX of an error of reporting 30 days late in XXXX 2016 first week of XXXX 2016. The error is showing on my credit file for all XXXX bureaus.
Product: Credit card or prepaid card

CareCredit credit card XX/XX/2019 due upcoming dental work I opened a CareCredit credit card account suggested by my dentist. This was done via the CareCredit Internet site. 

XX/XX/2019 After finishing all pending dental work, the dentists office made a charge to the account. 

XX/XX/2019 Having neither heard any word from CareCredit regarding the charge nor receiving any paperwork regarding the charge, credit cards, or correspondence, I called XXXX. I spoke with XXXX who stated all information was sent out on XX/XX/2019 to wrong address due to a typo. He stated he couldnt ( wouldnt ) tell me more but did tell me that all my payments were due on or before the XXXX of each month and transferred me. I spoke with XXXX who stated all information including the card had been sent to a wrong address and that a new card had been sent. End of conversations. 
Since neither my wife nor I wanted to fall behind on any payments and take advantage of CareCredits no interest offer, a payment was sent per instructions show on the CareCredit web site. A letter was included with the payment expressing our concern about the situation and the possibility of identity theft. 

XX/XX/2019 I checked status of the payment sent to CareCredit. After following directions, the automated system stated that my account was closed. I then spoke with XXXX who stated the account had not been closed but transferred to a new number and that the payment had been applied. I asked for information on the typo that had sent the information to an incorrect address. She stated that I need to contact the Post Office since it was not the fault of CareCredit. I asked to speak to someone else and ( after about 10 minutes ) was transferred to XXXX in the Fraud Department. I explained to XXXX that no of what I was being told made any sense. I had received a statement with the old account number on XX/XX/2019. That statement was date XX/XX/2019 and was addressed correctly. I had received the new credit card on XX/XX/2019. XXXX stated for security reasons he could not discuss any of this unless CareCredit received a request in writing.
Product: Credit reporting or other personal consumer reports

Privacy and Confidentiality under 15 USC 1681 XXXX XXXX- 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 instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Accounts need to be removed from report.
Product: Credit card or prepaid card

I have submitted 2 complaints already about my discover card. Yesterday XX/XX/2020 I was able to get online to view my account and make a payment. Today I can't get online again. I've called several times and they will not fix this problem. I also received 2 letters from them the other day. One states the re-investigation is closed and the other one states the investigation with the fraud charges were approved and in my favor. However there is a discrepancy of {$1000.00} still not credited back to my account. I don't no what they are doing but I am fustrated at the fact that I can't even get online to view my account. They are giving me a very hard time in resolving these issues. I expect to be able to get back online and keep a tab on my account along with getting the credit back to my card that was fraudulantly taken.