23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I spent hours on the phone with BSI Financial representatives discussing options that would provide an alternative to a short sale to my XXXX/XXXX non-traditional mortgage ( credit line ). I submitted a hardship package, including a letter detailing private, emotional details of my life, based on their assurance that the investors would consider a lower negotiated amount to avoid a credit hit that did NOT involve a short sale, given the negative impact this would have on my ability to refinance my primary residence and set up a stable life for my son and me. They agreed that if I could find a way to come up with the sum, they would negotiate a lower amount. 

They did provide a lower payoff, which they promised would not be entered as a short sale. Soon after - only 48 hours before closing, I received the paperwork in which " short sale '' was peppered throughout the documents. I called assuming this was a mistake, so I called to confirm. They told me this was true, that it was a short sale and would impact my credit. So, essentially, they tried to trick me into a short sale, the exact situation I was focused on avoiding. Since then, they have been harrassing my real estate lawyer for the money, even though I still have time. 

I absolutely can not sustain a short sale, which I made clear. I short sale keeps me from refinancing my primary residence, getting a car and just generally getting my feet under me again after a terrible divorce. 

My goal is to find an option that allows my house to sell to my current buyers, which would include me paying the agreed upon lower amount but without the hit of a short sale. 

Thank you in advance for your help. 

Separately, I got this unusual mortgage in 2007. I was wooed into it, along with many other Americans. And, along with those hope-blinded fools, we bought into a dream we could n't afford with a mortgage we just did n't understand. I 'll always remember our agent 's hands excitedly flailing about describing this strategic new mortgage, never truly understanding what it all meant but buying into her excitement and loving the way " upwardly mobile '' sounded as a description for us. Now I am paying for that confused excitement. I feel I was taken advantage of in my XXXX and now it is continuing to happen now, even as I am trying to just pay off the mortgage balance and get my life in order without a credit hit.
Product: Mortgage

This company pulled my credit without talking to me first & Ive been tryna to get in with the loan XXXX XXXX XXXX & no reply
Product: Credit reporting, credit repair services, or other personal consumer reports

problem was not fixed i reached out and explained the matter but still was not removed
Product: Debt collection

Affirm called with XXXX XXXX XXXXn the caller ID.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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: Debt collection

this company is trying to collect a non existing debt, they mailed a letter requesting payment and I replied denying the debt since it is non existing, and I never had any relationship with this collector agency. Their response was to mail the receipts form my kids dentist and show " the debt '' amount by {$53.00}. Also included in this response they requested this debt to be reported to the consumer reporting agency as disputed, even if it hasn't been legally demonstrated that is real and existing ( which they won't never do, since it is not real ). 
Also they had never shown they legally own the " debt '' nor they legally represent the dentist in the complaint. To make thing worst, as part of their " bills/receipts '' to show the debt, it is clearly expressed the odontological history from my kids, which rights has been violated since I signed a HIPAA agreement with them, and now it is in hands of a collection agency.
Product: Money transfer, virtual currency, or money service

In XXXX of 2023 i was looking at a friends ( XXXX ) post on XXXX where he posted a response of trading Bitcoin and how this person helped him achieve great rewards. This person XXXX. I was advised to contact XXXX. That account directed me to open an online trading account with XXXX XXXX XXXX. I pursued. As i funded the account on this website emails were always received as instructions for the next step. The amounts were always larger and more enticing. Conversations in text through XXXX were ongoing as what to do next with this XXXX. The timeframe was XX/XX/2023 to XXXX 2023. I reported to the FBI, Local police, being scammed out of {$49000.00} via crypto currency. 

I sent XXXX  different transactions on XXXX  dates to the address ID ( wallet ID - XXXX ) where they were sent. XX/XX/2023 - {$490.00}, XX/XX/2023 - {$3700.00} XX/XX/2023 - {$160.00} XX/XX/2023 - {$9400.00} XX/XX/2023 - {$28000.00} XX/XX/2023 - {$7900.00}. 

After the XXXX transfer and promised the return on investment i received an email to send an absurd amount and came to the conclusion i was scammed. I then picked the phone up and called my friend where he said he hasn't used the ( XXXX ) account on XXXX because it was hacked by this person. Evidently other traders tried to get me to trade with them which i think was this person as well. The website looked to be as any normal website would work and feel. 

I then researched a few Cryptocurrency investigation companies and hired XXXX  with the tracing. I also reported to my local police department and FBI. The investigation uncovered a XXXX XXXX. XXXX police have been contacted also. 

All of these transaction were through Coinbase then sent to the wallet ID. This individual also cash out at XXXX, XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX, SageStream, and XXXX for inaccurately reporting a bankruptcy on my credit file. Specifically, these agencies have listed the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as the data furnisher of the bankruptcy information. However, I have received an official letter from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, confirming that they do not furnish any information to credit reporting agencies or credit monitoring services. They further stated that they do not verify or validate any bankruptcy-related information for credit reporting purposes. 

Despite providing this information and disputing the inaccuracy, XXXX, SageStream, and XXXX have failed to remove the erroneous bankruptcy from my records. This inaccurate listing has negatively impacted my creditworthiness, leading to a lower credit score and potential denial of credit. It is imperative that this incorrect information be corrected promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Equifax Credit bureau must remove an old account that is ready to fall off my report I have tried several times to get this account removed
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the FTC.
Product: Credit card or prepaid card

Hi, This is regarding couple of unusual and suspicious charges on my unemployment prepaid card account on XX/XX/XXXX, I complained this calling bank 's claims/escalation 3 times but this is not yet fixed, Their claims didn't give a satisfactory answer when I called them first time, the next day they said it's a " mistake ''. 

Their response seems suspicious and not acceptable, they must explain me and fix this asap. 
XXXX XXXX.
Product: Money transfer, virtual currency, or money service

My complaint is with PayPal. I was directed to the CFPB by a contact found on the XXXX website, so I am hopeful that this agency can help me. 

I was recently told by PayPal that a payment made to me for an XXXX   auction was being disputed as being unauthorized. This was for an auction which had both ended and the product had been mailed and received by the buyer. This seemed odd as the buyer had provided positive feedback and the USPS tracking number showed that the product ( a set of books ) had been delivered. 

Of particular concern was that the notice from PayPal offered no way for me to provide an information. Neither did their website. There was no apparent way for me to respond to this claim. 

I did contact the buyer through XXXX 's messaging system and they confirmed that they received the product. At first the buyer was unaware of the dispute and felt the email I received might be a scam. However he was later able to determine that through a miscommunication another member of this family was unaware of the purchase and so flagged it as unauthorized. According to him, they contacted PayPal to try and cancel the dispute. 

A month later I received a second email from PayPal which said that they found the dispute to be credible due to " We did not receive proof of shipment ''. Something I could clearly provide with a USPS tracking number. Yet again, I was provided no way to respond to this or offer any supporting evidence for my side of this claim. 

In addition to this I was informed that I was being charged an additional {$20.00} as a " chargeback fee ''. Their email even states that I may not have been expecting this fee. How is it that a fee can be levied without notice -- which their email even calls out. 

I understand that PayPal is not considered a bank which I why I approached the XXXX to start with. I don't know if this falls under the CFPB umbrella either. Yet this company which moves huge sums of money around must fall under someone's jurisdiction. 

All I am looking for is a way to provide information which is relevant to this dispute. A dispute in which both sides agree that a mistake has been made! PayPal does not appear to offer this in any form. 

The PayPal dispute number is XXXX. 
The tracking number for the shipment is XXXX. 
I am attaching a text file which includes the email exchange between myself and the buyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my PNC BANK, N.A. - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting or other personal consumer reports

I have un-authorized inquiries on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong names reported as mine are included. 3 last ones appearing on TransUnion ARE NOT MINE ... NEVER DID BUSINESS WITH THESE 3 NAMES appearing last on the line of Names Reported. 
A MISSING ADDRESS IN XXXX XXXX. AN ADDRESS WITH A TYPO ( ASSUMING ) WITH WRONG APARTMENT NUMBER INSTEAD OF XXXX, TYPED XXXX. IT APPEARS ONCE WITH XXXX, THEN AGAIN SAME ADDRESS TYPED XXXX XXXX. The address on XXXX should be reported with calendar year 1994.
Product: Checking or savings account

I have a credit card with Bank of America. Today I received an email notification thanking me for opening up a checking account. This request was not done by me. I immediately called Bank of America and was told by the initial representative that the account was opened a a " facility '' in XXXX XXXX I do not live in that state nor have ever visited there. She apologized and transferred me to the fraud department. The person in the fraud department was very vague and told me it could have been opened online and maybe in a branch. I though it was odd that the initial customer service person told me where the account was opened, however the fraud department was not sure how or where. She apologized and closed my checking account. Afterwards I logged in to my account to change my password and noticed a secondary phone number and email address was recently added to my account. This was not done by me and even worse I never received any notification of these changes made to my account. I now suspect this was done internally by an employee. I use random XXXX digit passwords and I have XXXX XXXX authentication enabled. This was bypassed to make changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is replied to a consumers complaint the following : Company 's Response to complaint number XXXX The identification information you provided does not match our records. In order to properly assist you, we will need additional information in order to verify your identification and current address. Please provide a legible photocopy of a valid document that shows your name, current address and complete social security number. Listed below are examples of documents that may be provided as verification of your identification and current address : Pay stub or W2 with complete U.S. social security number, valid social security card, Driver 's license, rental/lease agreement/house deed, mortgage or bank statement, utility bill for gas, cable or residential telephone bill. Please return this letter along with the requested information to Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX. 

Now my question is, why did Equifax did not send me a letter asking for additional documents for a dispute I sent in XXXX of 2020. I will attach the documents I have sent them with my disputes. Let 's see what excuse they give me now
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Hard Inquiry/Unverified on my behave.

I recently checked my credit reports : XXXX, Equifax, XXXX.

I have one Hard Inquiry made by Company : XXXX XXXX On XX/XX/2017.

Credit Unions XXXX XXXX XXXX XXXX, CA XXXX ( XXXX  ) XXXX I have called Credit Unions at XXXX XXXX  in several occasions left messages for the Supervisor to return the call, regarding this matter.NO returned calls.I also contacted XXXX , Equifax , XXXX with no updates yet.
Product: Vehicle loan or lease

I filed a complaint on XX/XX/XXXX complaint # XXXX. Nissan claimed I'm Not a current customer because they can't find " record of me ''. Even though I was sent recall notices as recent as XXXX for faulty key fob to my current home address which I had to provide in order for this process to be started. This complaint was then closed after XXXX responded. Therefore I'm filing again. 


XXXX has a basic manufacturers warranty on their XXXX XXXX of 3 year/36,000 miles & a 5 year XXXX miles power train warranty. I purchased an extended service contract for an additional {$2500.00}. Today XX/XX/XXXX, I contacted XXXX XXXX Services. The provider and administrator that XXXX XXXX used for the extended warranty. The representative confirmed that I had the platinum plan, which I learned, today, actually started XX/XX/XXXX ( the day I purchased the car ) and is good until XX/XX/XXXX or XXXX miles. Now my vehicle ( a XXXX XXXX XXXX XXXX ( which has XXXX miles ) needs some mechanical work completed. As Im out of the warranty window on both the manufacturer warranty AND the extended warranty I am paying out of pocket. My understanding with extended or the way it was explained to me upon purchase was that when Nissans manufacturers warranty ended, the extended one would kick in providing additional coverage. NOT run parallel to what I already had in place. XXXX XXXX XXXX recommended I contact the dealer and request a refund they could see that I have never used the warranty. I did as suggested. The dealer denied on the basis that I was past the mileage. This wouldnt be the case if it was a true extended warranty. For example ; I have to drive XXXX miles XXXX way to work. Thats XXXX miles round trip. 5 days a week equals XXXX miles which then becomes XXXX miles a month. Of course there are other obligations like my kids school which is XXXX miles a month or the grocery store, dr. appointments, etc, but you get it. That extra XXXX extended miles for {$2500.00}. Gone. In less than a year AND not even used for car repairs! Nissan deceptively sold a product and unnecessarily overlapped it with their own manufacturers product.
Product: Money transfer, virtual currency, or money service

US Bank Charges a {$7.00} check cashing fee to cash paychecks written from business accounts from them if you do not have an account with them. This violates labor law that says the instrument for paying wages must not be discounted. I live in Oregon and the State of Oregon has its bank accounts with US Bank. I have complained on a state level and contacted the corporate offices of US Bank and have had no response. When I asked to speak to the branch manager they said they didnt care what the law was, that they charged XXXX dollars for non account holders and tried to get me to open an account. Also they refused to give me a receipt for the XXXX XXXX XXXX to cash the paycheck and a receipt for cashing it. They need to be investigated and will be found guilty of this. They should be ashamed of taking advantage of American workers and make them care what the law is.
Product: Student loan

Deceitful reps, inaccurate information, jacked up fees and undisclosed rates have significantly increased my loan balance. The availability and transparency of other payment options, military benefits, and other programs designed to help me pay back my loans were not readily available and convoluted and inaccurate when speaking with reps.
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 consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 a 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.
Product: Debt collection

This bill was paid on time prior to it going to collections. I had problems with the billing of XXXX from the very beginning, they over billed and continued to charge for promotional start up services that were cancelled. I began keeping some notes of when I had to go to the stores to try to resolve billing errors. The store managers would correct the bills and update the billing in the store. I would be over charged ALL the time, every bill I was being charged for services I was not receiving. I was being charged for XXXX lines I did not even have. The last payment I made, I made in full to end the relationship with XXXX XXXX XXXX. I would not have gone through all of that for the last bill to go to collections. I was told by the store manager what to pay ( because my bill I was over charged ) I paid my bill in full. It should have never went to collections, never. I called XXXX about this over and over but I always got a person in a different country who hardly understood XXXX - they would literally laugh at you when you would call them. Laugh at you, outloud, in you ear, at you about your problem. Im not kidding XXXX bit. The stores near me XXXX by XXXX were shutting down and the managers and sales people I once relied on were gone and I had no one go to for help with the bill. Now even after I had paid my last bill, I was still being billed for services I did not have. I was with XXXX at this point now and had taken the XXXX phone numbers with me and I was still getting a bill for service from XXXX XXXX and I was not even with them. I tried resolving this matter but you can not communicate with people who thinks its just a big joke. 
I dug up my notes and rewrote them, I hope you can read them. I also dug up my check book with the payment I made that was calculated at the store by the manager due to over charges. This was my last bill, my last services I had.. I should have received no more bills or correspondence from them. Our relationship was done and I was so very happy about that. it was a nightmare from the beginning. I would not go through ALL of that and then not pay the last statement - that would be just stupid of me. Ive tried disputing this over and over with the XXXX credit bureaus - nothing ever comes of it and I dont know much of an investigation they conduct in an XXXX.. 
I really hope you can help me. Please let me know if there is any other information I can provide Or if you need anything else. The numbers next to the managers names are their store employee numbers. They told me to write this stuff down. I am so glad I saved it all. If I find more information can I upload it more info? 
Thank you, XXXX