23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage loan is currently serviced by Planet Home Lending ( PHL ). I have submitted numerous qualified written requests for specific accounting information. PHL has distorted the accounting and escrow accounts in order to force me into foreclosure. PHL has ignored my QWR requests. I have also submitted numerous requests for a loan modification. PHL has ignored the loan modification requests. PHL has not assigned the loan modification to direct single point of contact as well. These actions are a direct violations of CFPB law, so I am seeking your assistance on this matter.
Product: Credit card or prepaid card

Citi Bank automatically closed my account and told me I would have to submit a new credit application to reopen it. Because they closed it my available credit will be lowered which will negatively affect my credit score as will a new hard inquiry. This is a coercive way to make people apply for credit and negatively impacts consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Source : TransUnion Company : XXXX Address : XXXX XXXX XXXX, XXXX, IN XXXX Business Type : XXXX Balance : {$18000.00} Source : XXXX XXXX : XXXX Address : XXXX XXXX XXXX, XXXX, MD XXXX Phone : ( XXXX ) XXXX Balance : {$18000.00} However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with metro
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( 1 ) XXXX, ( 2 ) XXXX XXXXXXXX, ( 3 ) XXXX XXXX, ( 4 ) XXXXXXXX XXXX, ( 5 ) XXXX XXXX XXXX , ( 6 ) XXXX XXXX, ( 7 ) XXXX XXXX XXXXXXXX, ( 8 ) XXXX XXXX XXXX , ( 9 ) XXXX XXXX XXXX , ( 10 ) XXXX XXXX, ( 11 ) XXXX XXXX XXXX, ( 12 ) XXXX XXXX XXXXXXXX , ( 13 ) XXXX XXXX, ( 14 ) XXXX XXXX XXXX ( 15 ) XXXX XXXX  , ( 16 ) XXXX XXXXXXXX, ( 17 ) XXXX XXXX, ( 18 ) XXXX XXXX. 15 USC 1681Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. Lastly, 15 USC 1681 s-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 in accurate. I'm requesting that the accounts above be deleted immediately.
Product: Debt collection

on XX/XX/18 at XXXX XXXX I received another call from " XXXX XXXX XXXX XXXX ''. They call us every day and there's never anyone on the line when I answer. 

So this time I called their number, XXXX, and spoke with " XXXX. '' Told him we were on the do not call list. 

XXXX told me he was debt collection and XXXX didn't apply to him. 

I told him we do not have any outstanding debts. Told him he should correct the error. 

He told me I had to call another number to do that. 

I told him, no, he should correct the errors. That's not my job. And disconnected.
Product: Mortgage

Received trial modification agreement from Mr. Cooper made 2 trial payments to Mr. Cooper, last payment was made on line per their written instructions. The payment posted to my account on Mr. Cooper website but the funds were not withdrawn from my account. Mr. Cooper sent me a letter canceling the modification trial period stating I defaulted on my payments. I was instructed to resubmit the modification request to stop the foreclosure sale of my home. The mortgage modification request has been submitted per Mr. Cooper. Mr. Cooper has collected funds for the trial but you are trying to foreclose on my home. XX/XX/XXXX, XXXXSpoke with XXXX, Ext # : XXXX with Mr. Cooper, I advised that I was calling to inquire about trial payments because payments were still in my account. He stated that Mr. Copper system show I paid for XXXX, XXXX and they were waiting on XXXX,. He's not sure what Mrs. XXXX was looking at but they have received her trial payments Please Help
Product: Credit card

Bank of America continues it's discriminatory practice against me after over 10 years of living in the United States based on my place of birth and nationality. I am an XXXX XXXX and I have been living and working in the United States as a XXXX  since XXXX. My source of income is solely from my job in the United States, and my spendings has always been confined to the borders of the United States. Bank of America started a campaign of harassment against XXXX  born customers like me since XXXX which continues to this date. I repeatedly provided information regarding my legal residence to the Bank of America over the past 6-7 years. With continued harassments and account restrictions, I was forced to close my checking and saving accounts in XXXX leading to significant financial hardship for me and my family. Unfortunately, I still have to endure the BoA campaign of harassment as I still have two Credit Cards with this institution and since these are my oldest lines of Credit, losing them will adversely affect my credit score at this point of time. Bank of America falsely claims " Like all United States Financial Institutions '' it has to continue this discriminatory practice against XXXX  born customers however I am working with close to two dozen other financial institutions in this country and Bank of America is THE ONLY financial institution with this appalling practice of harassment and discrimination against customers based on their place of birth and nationality. With each request for documents in the past, I filled a complaint with the CFPB and the prior complaint are marked as " company contacted me '' however I have never received any contact from the bank before and their harassments continues to this date unhindered.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or update the following items : 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: Vehicle loan or lease

I purchased a XXXX XXXXXXXX XXXX on XXXX XXXX at the time of the purchase the cost was XXXX $ and we were told it was 28 % interest which would have come to XXXX it was a lot but we needed a car and agreed we have XXXX had the car for XXXX. XXXX years and have paid over XXXX and still owe XXXX we have made every payment up until now plus it is costing us XXXX $ to keep it fully insured we have tried to talk to the bank to refi and they flat out said no since we have had the car we have had to replace the. XXXX and now can not get the check engine light to go off after replacing part after part and per The XXXX XXXX XXXX the car is only worth XXXX $ and that is without any of the problems it is having.
Product: Debt collection

I received a billing statement from NPAS , Inc . 
XXXX XXXX XXXX, KY XXXX asking me to pay for {$2700.00}. The billing offers the chance to call them to get " A detailed itemization of this statement is available upon request by calling XXXX ''. 
I called them to get a copy in XX/XX/2019. They didn't send me. Then they sent a statement again in XXXX. I had to pay on XX/XX/2019 to avoid any possible penalty. Then I called them again ask for the detailed itemization on XX/XX/2019. They told me they would express mail out this time. I still didn't receive it by XX/XX/2019. I called them 3rd time today XX/XX/2019. This time they told they will NOT send it to me anymore since I paid them already. What a surprise. 

I still don't know what I paid for, and what their business is about. No company address was shown on the statement.
Product: Credit reporting or other personal consumer reports

All the credit inquiries on my credit reports from all 3 credit bureau from XXXX on up to XXXX  I am not responsible, for I have tried to dispute these inquiries I even file XXXX  XXXX bankruptcy to try to clear this problem up.Plus I was notified that my personal information has been compromised in the XXXX XXXX XXXX so i need these inquires deleted from my credit reports.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

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 card or prepaid card

Back in XXXXXXXX XXXX  XXXX my truck was broken into and my gov I.D Social Security card, Birth cirtificate, debit card, plus clothing, medications ect, was stolen.. i was homeless at the time and still am today. So many bad things were already going on in my life that filing for identity theft wasnt gon na help, who ever stole my debit card kept it and took total of XXXX out of my account in XX/XX/XXXXXXXX XXXX XXXX  ... whoever broke into my car knew i had a pending claim previously awaiting to be credited, they had ALL MY INFO and there was nothing i could do ... when i call to do a check up on my claim from XXXX they say it was credited, but i saw no fund .... thats when i reported the crime to bank of america in XX/XX/XXXX in a timely matter. I was unaware of the funds being tampered with i then proceeded to filing to for indentity theft because i didnt want anything else being messed with .... it is now XX/XX/XXXX and i have been fighting every day too get my claim resolved properly... i gave police reports, sheriffs contact info.. written statements and bank of america has been unprofessional and lack the care too help me resolve my issue... bank of america is treating me as a criminal. 
I filed a claim with CFPB back in XX/XX/XXXX, bank of america has not given a final response. My issue is not being handled .... i feel discriminated against. 

Bank of america fix this issue and return my funds.
Product: Mortgage

On XX/XX/XXXX I sent a check to Fay Servicing for XXXX $ to pay off the balance of my home in the amount of XXXX $ it was sent certified mail XX/XX/XXXX with return receipt they have received the check it shows on the return card I called them everyday for a week asking why they have not applied the funds to pay off the mortgage and then after multiple phone calls they told me tonight XXXX they are refusing my check ( yet they told me they never received it ) and they have no plans of paying off the mortgage so when I asked if they would return they check back to them they told me no I am at a loss.. I read reviews about them and they are doing this to everyone not just me this check has a 90 day expiration if they dont send it back to me I will lose all that money and have to see if the company will issue another one and I dont know how that will go either I just need help Im XXXX and no one will help XXXX
Product: Money transfer, virtual currency, or money service

my paypal account got hacked and an unauthorized transaction was made for the sum of {$1100.00} using my credit card thats on file. reported it to paypal and the case was closed immediately without further investigations and stated that i authorized the transaction. which i didnt in any shape or form i made the transaction. i already changed my password and called my credit card company hoping to get some money back, i can provide info of the scammer/hacker which clearly appears on the transaction with paypal, they charged paypal fees but never helped actual complaints!
Product: Credit reporting, credit repair services, or other personal consumer reports

According to XXXX XXXX XXXX, there is a {$100.00} bill from XXXX. This is not accurate. My bill with XXXX was paid in full in XXXX 2012, when I moved from XXXX to XXXX. <P/>This continues to show on two of the credit reporting companies. XXXX and Transunion. XXXX  removed it from my file at my request. <P/>I do not have payment information that goes back to 2012 as XXXX is requesting. <P/>Why does one drit reporting agency remove this from my file and the other two do not. Why is the burden of proof not on XXXX XXXX XXXX. <P/>I just switched from XXXX to XXXX for my cell service. Do you think XXXX would have allowed that if I owed them money? <P/>Please get this fake debt to go away.
Product: Bank account or service

On XX/XX/XXXX 2017, I went to the Rabobank branch on XXXX XXXX XXXX XXXX, XXXX, CA and XXXX was my teller. I asked her to deposit my check, which was {$3000.00} into my Savings account. She confirmed that the funds would go into Savings then began trying to sell additional products/services that the bank offered, which may have distracted her from my request. When I received my receipt I noticed that the amount in my checking account had increased by {$3000.00} and that my Savings account balance had not changed. I once again asked XXXX the teller if the funds had been deposited into my Checking or Savings account and she confirmed it had gone into Savings, which did not align with the receipt. 
Later that day I checked my balance online and as I suspected the funds had not been moved into my Savings account. Therefore, I completed a balance transfer online in the amount of {$3000.00} and figured I would just do it myself, as I could see my newly deposited funds in my Checking Account. 
The following day on XX/XX/XXXX 2017 I received notification that my Checking account balance was overdrawn and I was being charged fees, adding up to {$280.00}. Upon further investigation I found out the bank had moved money from my Checking account into my Savings account without my knowledge. This caused my Checking account to be overdrawn as {$6000.00} total was moved out of my Checking account, the {$3000.00} I moved, as well as {$3000.00} the bank moved well after the point in time that I completed the transaction. I would not have moved {$3000.00} out of my checking account had the funds been deposited correctly into savings at the time I visited the branch. 
The negligence from this bank branch has caused me to pay unnecessary fees and should be illegal. Once I noticed this I discussed it with XXXX in person, he took down my information and said that a manager would give me a call. 
Two days later, when I discussed this with the bank manager ( I do not recall her name ) she offered to split the difference of the fees with me, by dropping them by {$140.00} to {$140.00}. I explained that this was not good enough as I had money available and it was only due to the way they transferred money in my account which caused me to be overdrawn. 
Please investigate this, I do not even want to deal with this branch anymore and may move my accounts to another institution as this was a fairly simple request, which led to unnecessary fees. I believe I should be refunded the full amount of the fees or an additional {$140.00} as I should not be required to pay fees which only occurred due to their mistake.
Product: Checking or savings account

I got my loan sent to my checking account from XXXX which is a lender that approved me for a PPP loan to help with my small business, which is a XXXX XXXX. My loan was deposited in to my account on XX/XX/XXXX. When the deposit cleared my account I transferred it over to my savings account. When I went to pay up some bills for my business I noticed that my account was negative. I called the bank and they told me that they put a hold on my funds. The representative told me that he really didn't know much and to call my local bank. I called my local bank and a woman answered the phone saying that she would have someone call me. A man called me, I think his name was XXXX. He said that since my account wasn't a business then they can not release the funds. I am a XXXX XXXX so I do not have to have a business bank account. The bank is holding my funds which I need to help keep my business from going out of business. If my lender approved me for the loan then they made sure that I qualified for it and rather the money was deposited into a business bank account or not those are my funds and I should have access to them. I do not owe the bank money, nor have I ever wrote bad checks with this bank, and the wire transfer cleared into my bank so they should not be holding my funds. This has to be against the law. This is the reason I do not use this bank much and use my other banks because Ive had problems with them pausing my cards when trying to make purchases. I would always have to call to get them to unfreeze my card. If the concern is my balance is low, its because I do not use this account and wanted to keep my money in this account in the savings and use it when needed. I would like my funds released to me so that I can take care of my business.
Product: Credit reporting or other personal consumer reports

XXXX XXXXL Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX  XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXXN Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN 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 a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened aXXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, 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 card or prepaid card

Rate increased from 17.74 % to 22.74 % with no clear explanation of why. They state my XXXX score was XXXX in XXXX. It is suspicious because my XXXX was XXXX and above before and then it increased to XXXX in XXXX & XXXX. My current XXXX  card does not charge late charges and Citicard has been marketing heavily to convert it to their XXXX XXXX card. Today, XX/XX/XXXX, their agent XXXX said he couldn't lower the rate despite being told of the XXXX score. My account is and has been in good standing and this large increase is not only ethical but unjustified.