23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

A mortgage financial company is providing refinance funds to refinance my property at XXXX XXXX XXXX, XXXX, NY. Select Portfolio Servicing ( SPS ) has been offered a {$850000.00} short payoff amount. The principal owed is only {$680000.00}. The additional amount represents additional fees and interest. 

I, as well as my authorized representatives, have been negotiating with SPS. They are often put on hold by the SPS representative and nobody returns on the line an hour later. Two months later, I do not have a response from SPS. The last time I spoke with a representative on Tuesday, XX/XX/2018, she said that I did not include the date under my signature in a Hardship Letter that I had provided ( the letter was dated XX/XX/2018 ). Even though the top of the had the date, I printed out a copy and, included the current date under my name. The SPS representative said I would hear back in 24 to 48 hours. It has been a week now and I have not heard anything. 

SPS is putting me in a position that I may lose my property because the bankruptcy judge does not believe I am trying to resolve this issue with SPS. I will have to escalate this action to a legal one.
Product: Checking or savings account

Amount {$68000.00} / Account  XXXX  / Ba nk No.   XXXX  /  BofA  Check #  XXXX ,  XXXX  : Bank of America,  N.A.   XXXX   XXXX , Texas, Payee : The  XXXX   XXXX   XXXX   XXXX , Notation : Dealer Reserve  XXXX   XXXX . When we first learned that our reserve funds were no longer on deposit in the  XXXX  bank, it would not tell us where the money was -- and it took us years to find it. Our corporation is a North Carolina corporation, yet we discovered  that BofA wrongly escheated our funds to the Texas Comptroller. Compounding this error is that BofA failed to include both our last known address and our federal tax ID number, information that the Texas Property Code requires that the Texas Comptroller receive with escheated funds. The Texas Comptroller requested the omitted information, and it w as refused. The  XXXX  bank would like for our funds to be returned to it, but the Texas  Comptroller refuses to do so. Early this month Texas Asst. Attorn ey General  XXXX   XXXX  asked BofA to provide her with the omitted information, and it again refused. The fact that adults would engage in thi  s Catch 22 situation is silly because BofA might be too big to fail, but it is not above the law of either the United States or the State of Texas. The obligation to return our reserve funds lies squarely and singularly with BofA, and we have every right to insist that it pay us our funds. Then it can deal with the Texas Comptroller in an effort to recover the funds that it sent there. We no longer want to be in the middle of this circus. We submit that BofA and the Texas Comptroller have enjoyed the interest-free use of our funds for much too long already, and now we want to receive payment of our funds.
If you wish, you may consider this complaint to also be a claim against DIF for deposits unquestionably owed by BofA to T  he  XXXX   XXXX   XXXX   XXXX , a North Carolina corporation, and which Bank of Americ a, N.A., has declined to pay on demand. We have no obligation to chase our funds cross-country as a result of BofA having committed multiple errors, nor ought we to have to pay a host of legal expenses to recover our funds after such errors and subsequent default by BofA. BofA has the first obligation to pay us, and FDIC shares that responsibility for our insured funds.      Thanking you in advance for your interest and assistance in this matter.
Product: Mortgage

XXXX. On XX/XX/XXXX, I applied for a Refinance Cash-Out Loan with XXXX XXXX XXXX XXXX XXXX XXXX ). The process went smoothly until on or about mid XXXX when we were getting ready to close. XXXX XXXX and XXXX XXXX of XXXX Mortgage Department informed me that there was a problem with my Title, but that they ( XXXX Mortgage ) were working to get it fixed. 

XXXX. I was asked by XXXX XXXX XXXX XXXX who my Title Company was and I told her XXXX XXXX. I then reached out to XXXX XXXX to inquire whether they knew what was going on with my Title and they told me they were working on it and to not worry. 

XXXX. As days turned into weeks, XXXX routinely, when I would require an update, informed me that XXXX XXXX was working the issue and problem. I began to get worried and upset thinking that XXXX XXXX was the problem because all that they would tell me was that they were working on it. I then considered consulting with an Attorney as I thought that adverse " things '' were or had been done with my Title. 

XXXX. On XX/XX/XXXX, I gave a mandate and order to XXXX XXXX to explain exactly what was going on, but only after I reached out to XXXX XXXX XXXX XXXX who explained to me what might be going on and what the problem could be. They also told me that they would reach out to XXXX XXXX ( XXXX XXXX ). 

XXXX. Today, XX/XX/XXXX XXXX XXXX of XXXX XXXX informed me of this : " XXXX XXXX, I am CCing XXXX  XXXX with Pennymac in this email. As I explained the process to you on Friday, Nothing is wrong with your title. The former lender for XXXX XXXX released and satisfied the Mortgage when you purchased your home in XXXX XXXX  XXXX, but did not release the liens on the XXXX XXXX Titles. I have been in contact with them via email. I took all the normal paperwork ( along with satisfactions as proof of payoff ) to the DMV to have the XXXX XXXX titles released right after closing. However, the DMV cant release the liens due to them being Electronic Titles with Electronic liens. That can only be done in-house by the Lender. 

XXXX XXXX sold to Pennymac  which gave them permission to satisfy the Mortgage and release the XXXX XXXX Titles. I emailed all the same paperwork to them that I took to the DMV. Pennymac  is telling me that the case is in the litigation department and not sure how long it will take to resolve the issue. I assure you that we are working on this issue. We want to make sure our customers are taken care of. We are at their mercy. As soon as XXXX XXXX informs me of any progress I will call or email you ASAP. I ran a DMV webcheck update today and the liens are still not released. Still showing XXXX XXXX as lien holder of record. 
Thank you, XXXX XXXX '' So ... Pennymac Mortgage is the culprit. THEY have been holding my Title in their litigation department thus holding up my loan process, being slow and " snail paced '' in clearing and executing properly my Title, and preventing transfer of my title to XXXX so myself and XXXX can move forward to closing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its been over 30 days and the creditor has not updated the information no has provided proof that these account listed below belong to me and enfact are accurate. They have not supplied this information and they must delete these accounts off my credit report. Under federal law they had 30 days to complete the investigation and by failing to do so the item must be deleted off of my report as soon as possible. i have also filed an IDTHEFT REPORT that will be attached to this complaint!
Product: Credit reporting, credit repair services, or other personal consumer reports

On Monday XX/XX/XXXX, I spoke with an account specialist at XXXX XXXX who advised me to send in a written complaint to have this matter addressed. As the accompanying documents show, this account is being reported with/as false information on my credit file with at least three credit reporting agencies. Not only is the information false, unclear and misleading, but it is also being shared unlawfully without my express written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and I noticed some accounts on my consumer report that should not be on there. ", is in violation of 15 USC 1692g. " WELLS FARGO CARDS SERVICES, '' were to notify me of this in writing 5 days prior. I was not notified. As the Original Creditor, only I can validate this debt. I do not validate this debt.Therefore, the following account must be delete from my report immediately.The reporting of this account are violations of 15 USC 1681, and the Fair Credit Reporting Act { 15 USC 1681 ( a ) ( 2 ) ( B ) } : ( " WELLS FARGO CARDS SERVICES, '' ) EXCLUSIONS_Except as provided in paragraph ( 3 ), the " consumer report '' does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issue of credit card or similar device. I never gave any verbal or '' WELLS FARGO CARDS SERVICES, '' written consent to report anything on my consumer report. No consent is identity Theft. ( 18 USC 1028A ) - '' AGGRAVATED IDENTITY THEFT. ''
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX XXXX XXXX XXXX BALANCED {$430.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX BALANCED {$240.00} XXXX XXXX XXXX XXXX BALANCED {$640.00} 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 XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am the victim of identity theft. I already completed the whole process and filed all of the necessary paperwork and sent it off to the credit bureaus and it has been nearly 3 months and they have not done anything at all about this. I know that this is illegal and they have to respond to me in 30 days. Not only did they allow someone to access my information and commit fraud against me but now they are not doing anything at all about rectifying this and it causing me alot of harm.
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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. ( i did not give written permission ) 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 crime which antedates the report by more that seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person should 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

In XX/XX/2016 My Husband was put in the Hospital and was not given 6 months to a year During that time I missed a lot of work being the Hospital is an 8 hour Drive, and I eventually lost my Job and my husband, I was Called a Lier and even thou I Tried to make payments when I could they were never enough I was told to borrow money, loose my home sale my car. Do what ever I could to pay them. they came first.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX ) XXXX Balance {$1400.00} XXXX XXXX XXXX ( XXXX XXXX  ) XXXX Balance {$120.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting an inaccurate account with XXXX XXXX XXXX. It is incorrectly listed as Open. It has been closed/transferred. I disputed the item with Experian but Experian did not investigate the item or even attempt to verify it with the company. I called XXXX XXXX XXXX and was hung up on by two supervisors ( XXXX ph : XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX XXXX XXXX Open Date : XXXX XXXX, XXXX  Balance : {$0.00}. Please delete this account ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I first reviewed my credit report I realized that the information being reported was inaccurate and misleading. This information has been causing me and my family to get denied whenever I apply for credit. This makes things extremely difficult during the pandemic. My family and I have being suffering for quite sometime now because of the inaccurate information being reported on my credit report! Please remove this information. My initial dispute came back as verified. Which XXXX me off! How can inaccurate information be verified? So I demand that I am sent a detail letter stating how this information was able to be verified.
Product: Credit reporting or other personal consumer reports

I contacted Capitol One, regarding my Kohl 's Card because I noticed they are reporting a new XXXX XXXX  open on my credit report. Kohls and Capitol One converted my account to a XXXX XXXX, without my permission. I called to discuss this, and was told I could convert the card back to a basic Kohl 's only card, but that it is still serviced by Capitol One, and the rep explained that Capitol One is already the account servicer for Kohls. ( Additionally, this doesn't make any sense, now that I think about it, because they shouldn't need my permission to change back what they changed without my permission in the first place. ) To complete the transaction, I was asked to verify my identity with a 6 digit code via text, which sounded normal, but the rep read a disclosure statement that I had to agree to, in order to receive the text. Normally they just want you to consent to message and data rates, but this disclosure included consent for your wireless carrier to disclose any and all account information to Capitol One, in perpetuity, then said this information would be used for the purpose on confirming my identity- and this is what I thought was strange. Why would Capitol One need consent for my wireless account information? I told them that I did not consent to this and asked if was another way to verify, and they said no. I even thought that maybe I was misunderstanding the rep, so I asked him to read the disclosure again, which he did, and I heard the same information, again. I didn't have a problem with receiving a text, message data rates, but I object to giving unlimited access to my wireless account. They said they couldn't complete the transaction without it, so I closed my account. But I thought this seemed incredibly strange.
Product: Debt collection

XXXX contacted my place of work to attempt to collect a debt. I 've also has XXXX XXXX call my place of work to collect a debt as well. They have contacted me repeatedly after I 've told them to not call my place of work. They have also left information with managers and our HR department along with messages asking for me.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on XX/XX/2017. I am not sure how this has happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit reporting or other personal consumer reports

THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED : XX/XX/year> XXXX XXXX XXXX, XX/XX/year> XXXXXXXX XXXX
Product: Credit card

A fraudster that I have reporter before to other credit cards, has tried but was denied opening a master card in my name using my social security number and CA driver 's liscense which was hacked a couple of months ago. The master card company, Fortiva, confirmed both applications were denied or rejected and gave me the fraudsters addresses on the applications to file a police report. 
XX/XX/year>2025 application address is XXXX XXXX XXXX XXXX XXXX XXXX, Kentucky XXXX phone number XXXX email address XXXX XX/XX/year>2025 application has the same address but a different phone number and email : XXXX email XXXX The fraudulent applications were in my name using my soicial security number. I was hacked a couple of months ago also with this person trying to us my info for other credit cards and mortgage loans through XXXXXXXX XXXX XXXXXXXX and XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to address a pressing issue concerning my PayPal account. Since XXXX XXXX XXXX a substantial amount of funds has been held in a reserve account without any clear justification or resolution, and despite numerous attempts to seek assistance, I have yet to receive any meaningful support. 

I would like to clarify that, as of XXXX XXXX I am no longer in business, and my PayPal account has been inactive since then. The ongoing retention of my funds is causing undue hardship and goes against the principles of fairness and transparency that I would expect from a service provider like PayPal. 

I have reached out to PayPal customer support multiple times over the past year, detailing my situation and requesting assistance in releasing the held funds. Regrettably, these efforts have not yielded any results or provided me with the necessary information on why my funds are being held for such an extended period. 

This practice is not only unfair but also in violation of the principles outlined in the PayPal user agreement. As per the agreement, funds may be held for up to 180 days to cover potential customer disputes during the holding period. However, this protracted holding of funds, especially when I am no longer conducting business, is both unjust and not in alignment with the terms we agreed upon. 

In light of the circumstances, I am formally requesting the immediate release of the funds held in my reserve account. Additionally, I kindly request the closure of my PayPal account, as I am no longer engaged in any business activities that would necessitate its continuation. 

I believe that resolving this matter promptly is in the best interest of all parties involved. If there are specific reasons for the extended hold on my funds, I request a transparent explanation to understand and address any outstanding issues.
Product: Consumer Loan

We have financed XXXX vehicles through American Honda Financial services AHFS ). We make monthly payment on XXXX vehicles by ACH from XXXX XXXX XXXX XXXX. In XXXX of 2016, AHFS sent through XXXX payment requests for each vehicle ( I understand this happened to many people ). They quickly sent through a correction and our bank statement indicates we made XXXX payment on each car in XXXX. In late XXXX I began receiving massages from AHFS that just asked me to call them back. I was able to finally do that on XXXX XXXX. I had no urgency as they did not tell me why they were calling and I had no reason to think there was a problem with my account. On XXXX XXXX, they informed me that I was delinquent on XXXX of my vehicles as they had not received the XXXX payment. I told them that my bank shows that I did make the payment. They asked that we send them our bank statement and proof of payment. This was faxed to them on XXXX XXXX or XXXX. I called them on the XXXX and was told they had the documents and the payment would be posted. On XXXX XXXX I received another call from AHFS saying the payment had not been posted and we are concerned they are going to send this to collection. I have asked for this issue to be escalated with AHFS and I can not find a senior person there to talk with to resolve this issue.
Product: Credit reporting or other personal consumer reports

The accounts below do not belong to me and I would like them removed. I filed a report with XXXX. 

XXXX : XXXX XXXX XXXX  XXXX XX/XX/2023 XXXX : XXXX XXXX ( Bank ) XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 Experian : XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

GMAC mortgage discharged XX/XX/XXXX, GMAC sold mortgage XX/XX/XXXX to XXXX. GMAC files bankruptcy XX/XX/XXXX.  XXXX reports loan discharge XX/XX/XXXX.Loan paid off XXXX. GMAC reports discharge XX/XX/XXXX -4 years after discharge, 6 months after 100 % payoff yo XXXX. 
XXXX refuses to correct in spite of overwhelming documentation to the contrary. 
GMAC writes they have no record of loan. 
OWCEN/GMAC Has no record. 
XXXX duplicates mortgage chap XXXX discharge. 
XXXX claims issue is GMAC 'S.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX2021 I sent a letter regarding inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response. I feel as though I'm being taken advantage of and ignored about the disputes I presented. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted or I will file for litigation due to the stress endured from you.