23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, I sent a friend in XXXX {$250.00} via PayPal. My friend in XXXX said the money was put on hold for a month. The PayPal company in the US did not mention any holds would be put on the money and said the money would be available to the person on the other end in a short amount of time. My friend emailed me earlier this week and said PayPal in XXXX put another month hold on the money. I have been messaging PayPal in the US but they don't seem to care what PayPals in other countries do in their name. They just told me to have my friend in XXXX get in touch with the PayPal over there. As far as I'm concerned it is unethical to hang on to money I've sent to someover for an arbitrary amount of time. 

The PayPal in the US took no responsibility. If rules for PayPal in other countries are different, then it should be posted on their website. At the moment my friend in XXXX asked for the money to be refunded. It is pending. I'm not totally hopeful it will be returned or returned in a timely fashion.. 

I sent the money because my friend and his family are poor and under lockdown. I had a little to spare and thought I was doing a good thing. If I get it back I will try XXXX XXXX and hope they are more ethical. 
I just want PayPal to take more responsibility. It is a service they offered on their website with no caveats or warnings. They did not even take any responsibility after getting in touch with them or give me any reasons for the problem.
Product: Mortgage

Recently, my mortgage was transferred to Newrez. In their initial communication, they mentioned that I would receive an invitation to access my mortgage information on a new dashboard. However, I never received this invitation. 
Additionally, their email assured me that nothing would change, especially if I was on an XXXX  payment plan. My previous mortgage company had set up auto-draft payments for me every other XXXX to align with my pay periods. However, when I checked my bank statement on XX/XX/2024, I noticed that my loan payment was not drafted. 
Given the transition to Newrez and the holiday, I assumed the payment might come out on XX/XX/2024. To my surprise, there was no pending payment in my dashboard, and I discovered that no auto-drafts were set up. I reached out to a representative via chat, who confirmed that I am indeed set up for auto draft, with the next payment scheduled for the XXXX. 
I specifically requested that the payment be aligned with my previous schedule of every other XXXX. The representative assured me that it was fixed. However, when I inquired about the missed payment on XX/XX/2024, she informed me that my account is current and no draft is needed. Instead, the system will initiate XXXX  payments starting on XX/XX/2024. 
My concern is that this adjustment means a full payment wont be received by XX/XX/2024 ; it will be processed on XX/XX/2024. Technically, this would make me late on my mortgage payment. Unfortunately, I can not make a XXXXXXXXXXXX  payment online since I am on auto draft. 
I appreciate your attention to this matter and kindly request that you rectify the situation promptly. Its frustrating to spend time addressing mistakes that were not of my making. 
Thank you for your assistance.
Product: Debt collection

I, XXXX XXXX XXXX, did not sign any loan documents after Cancelling loans dated XX/XX/XXXX and XX/XX/XXXX. Did not agree to a 7.1 % ; 40-year adjustable rate, 2nd Mortgage ; and notified the following agencies, law makers and servicers from XX/XX/XXXX of this fraudulent loan : XXXXXXXX XXXX  XXXX XXXX XXXX XXXX  ; XXXX XXXX ; XXXX XXXX ; FBI ; FTC ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Attorney General ; Governors Office XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. 

The XXXX did NOT received the loan they wanted as a Veteran using his Certificate of Eligibility but was presented a fabricated loan documents by only a NOTARY no closing agent, lawyer or loan officer present on XX/XX/XXXX to answer any questions regarding we will have and we did have on XX/XX/XXXX and stop the process and sent the notary home. 

The XXXX on XX/XX/XXXX went to the NOTARY home off XXXX XXXX and went to XXXX to copy the loan documents and returned to the NOTARY home to drop off the documents. XXXX has presented numerous times a copy of the receipt from XXXX in which the Note, Deed, XXXX, Good Faith Estimate and other documents was NEVER signed, but the documents XXXX XXXX XXXXXXXX XXXX foreclosure firms, XXXX XXXX XXXX and XXXX XXXX XXXX has XXXX over the years has the date changed from the XXXX to the XXXX, marked with? on Note, illegally notarized, forged date changes, forged, funding loan on XX/XX/XXXX is illegal the XXXX has proved the reason why I rescinded the loan on XX/XX/XXXX after his wife informed him that the Notary had called on XX/XX/XXXX informing her that XXXX XXXX XXXXXXXX wanted her to change the dates, sign as closing / settlement agent FRAUD and again on XX/XX/XXXX making the loan void.
Product: Checking or savings account

Navy federal continued to take money from my account for years and just now finding out about the lawsuit
Product: Prepaid card

XXXX XXXX XXXXXXXX XXXX XXXXXXXX Given : XXXX # XXXX I am writing to express my extreme dissatisfaction with PayPals services and to formally lodge a complaint regarding the unacceptable treatment I have received. My experiences with your company have been nothing short of appalling, and I believe your company engages in unethical and fraudulent business practices. 

Firstly, I have encountered significant difficulties in ordering a new PayPal card. The customer service representatives I have spoken with have been unable to communicate effectively, consistently talked over me, and failed to address my concerns appropriately. Their lack of understanding and unwillingness to listen has made resolving this issue impossible. THEY ARE EXTREMELY RUDE! 

Furthermore, the language barrier with your customer service representatives has made communication extremely difficult. Their responses often feel scripted and impersonal, hindering my ability to effectively convey my concerns. It is apparent that there is a lack of genuine listening and understanding on their part, as they consistently fail to address the core of my issues. 


Secondly, I purchased a PayPal prepaid call for {$60.00} and paid in cash. The card was subsequently blocked without explanation, preventing me from activating it or gifting it to someone else. When I inquired about the reason for the block, I was only provided with vague information about a problem with Net Spend and denied access to any details that would allow me to dispute this action or verify the security of my identity. 

I spoke with XXXX XXXX  and they had no records of any restriction and even added a note with reference # XXXX to the account for PayPal. The PayPal Agent was still rude and dismissive. 

It is evident that PayPal has a severe problem with customer service. Your representatives are incapable of providing adequate support, and your company 's policies are designed to confuse and frustrate customers. The arbitrary blocking of a prepaid card that I purchased with cash is a clear indication of unethical and potentially fraudulent business practices. 

I demand a full investigation into these matters and immediate resolution of the issues I have raised. I expect PayPal to provide clear and transparent explanations for the blocking of my prepaid card. 


Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Breach of Trust. Trustees of the listed companies and the credit reporting agencies have a duty and oath and obligation to administer the Trust in the best interest of the Beneficiary. Eye am the Beneficial Owner to XXXX XXXX XXXX XXXX XXXX. 

The listed transactions are XXXX XXXX cause an error was made as the SOCIAL SECURITY number has been shared with these companies without legal consent and authorization from the Social Security Administration. The Beneficiary for the XXXX XXXX did not autograph nor sign form XXXX. These accounts are unauthorized : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Beginning of XX/XX/2023, I sent a letter to Resurgent Capital Services requesting the following information regarding a credit card debt they claim is mine : 1. A copy of the original purchase agreement which shows you legally own this debt by the original creditor. Not a letter stating you own the debt ; the actual agreement.

2. Copies of ALL statements from open to close of this account.

3. I want to see proof you are a legal debt collector in the state of New Jersey. A copy of your bond which shows you are legally registered in New Jersey. Anyone can state they are able to collect a debt in New Jersey. 

I did not receive any of the requested information when they responded on XX/XX/2023. I only received one credit card statement.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions where being authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request and investigation into my account transactions.
Product: Debt collection

CB/VICSCRT is a collection agency that is trying to collect a debt in the amount of {$510.00} and is not the original account holder and I have been receiving collection calls before and after business hours. Ive also been told by several representatives that this debt will be placed on my consumer reports for XXXX, XXXX and XXXX. Please remove this collection item from all three reporting credit bureaus XXXX, XXXX and XXXX as this is in violation and misuse of my credit report.
Product: Checking or savings account

Bank of america calls my personal telephone number 3 times and day then starts speaking in XXXX I THink ). I don't speak XXXX. It is a computer doing the calling. 

I don't have a Bank Of america account and I have never had a Bank OF america account. 

Please make them stop.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc ) due to inadequate customer service an unfair practices which violate the consumer financial protection act ( CFPA ) specifically Cash App failed to take timely and effective measures To prevent an address fraud on their platform leaving my account vulnerable and unprotected Furthermore, they dispute resolution process was unfair and deceptive as they did not comply with era 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 redress for these violations.
Product: Credit card or prepaid card

Ive been trying to get a replacement card from XXXX XXXX for literally months. They didnt send me one when it expired because they said I hadnt paid the bill despite me having money available for use. No biggie. I paid the bill. They still have not sent me the replacement card. I spoke with 10 people who have all told me different things. I requested it to be expedited and was told it would be and that Id have to send a copy of my ID for verification. Sent it and card wasnt expedited. I called to check and the next rep told me I had to go through verification again. He, unbeknownst to me, cancelled the card and just said I lost it. Im not sure how when I didnt even get it! I hung up because this was fraud as I told the rep. Any actions taken that were not authorized is fraud. He insisted it wasnt. I called and requested a different card. The next supervisor told me she couldnt request another card for me because 2 cards had been ordered in one day. I called right back and the next staff member told me they could request the card without issue. Meaning the supervisor lied. Anyway, the rep said she ordered the card and requested for it to be expedited. I called back to double check since they clearly are lying and the rep said she saw in the system where it was waiting for me to go through verification before it could send the card and that no card had been ordered. This back and forth continued for 48 hours. And I still dont have a card. But Im making payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently saw two fraudulent credit card accounts on my XXXX credit report. I spoke to fraud/disputes department on XX/XX/2022 Who requested I fax in my drivers, license, my ssn card and the FTC report with a letter. I called back today XXXXand representative is telling me to refax in the information when she is clearly looking at the documents. I am upset that they asked for my ssn card and other PII information and on one will remove these accounts. I will proceed in filing a lawsuit against the this credit bureau if this is not removed immediately. My information was compromised and I should not have to go through this just to get my credit report in order. These two Capital One accounts are not mine and they only update to say " verified '' they have not provided any validation information and my identity was compromised. It is against the law to report any inaccurate information. According to the FCRA, any information should be deleted in 30 days. This is passed the time frame of the actions against the credit bureaus. I asked for an supervisor and was on hold for over 30 minutes waiting. The Capital One accounts were not mines, and I was a victim of identity theft, which there is an alert on my credit profile.
Product: Payday loan, title loan, personal loan, or advance loan

I was approved for a {$3500.00} loan in XX/XX/2023 and started the payments and everything was fine and the company told me in XXXX. I had to sign some new paperwork so I signed new paperwork. They didnt show me what it was or anything and without making consent, they refinance the loan And I lost all the interest and all the principal payments. I paid over the 10 months that I paid previously, they signed me up for a brand new loan starting from scratch and a secured loan and I never applied for it never approved it never would because I lost {$1200.00} in this Fraudulent scheme to refinance my loan. They told me I had to sign paperwork and I went into their office and they had me sign forms that were underneath a table of glass and you couldnt see what anything said, and I signed them and left and didnt realize it until a couple of weeks ago what they had done. I never applied for this new refinance. Loan would never have wanted. It never have needed it and they scammed me, pure and simple! Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX
Product: Checking or savings account

I have been trying since XX/XX/XXXX to obtain funds from two Bank of America business checking accounts that my deceased wife had at Bank of America. The accounts had balances of approx {$3000.00} and {$6700.00} respectively, and were included in the inventory of assets in her estate. They were in the name of her sole member LLC. She passed in XX/XX/XXXX, and I am the personal representative of her estate and its sole beneficiary. I received no response from BofA 's Estate Unit, other than return of her death certificate and Maryland Letter of [ Estate ] Administration, and after inquiry was told I needed to visit a local branch. I have tried to work with BofA 's XXXX XXXX, Maryland area branch since XX/XX/XXXX and have only gotten a run-around. 

I guess BofA thinks if they stall long enough they can just keep the approx. {$9700.00} in the two accounts, but they should not be able to.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time my identity has been compromised. I don't understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as possible. 

XXXX XXXX- XXXX {$440.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX/XXXX XXXX  XXXX XXXX XXXX {$920.00} XXXX XXXX XXXX {$3300.00} XXXX XXXX  XXXX {$450.00} XXXX  XXXX  XXXX {$1500.00} XXXX  XXXX  XXXX {$1700.00} XXXX  XXXX   XXXX {$440.00} XXXX XXXX XXXX {$1000.00} XXXX  XXXX  XXXX {$1200.00} XXXX  XXXX {$1000.00} XXXX XXXX {$650.00} XXXX XXXX   XXXX {$660.00} CREDIT COLL  XXXX {$140.00} XXXX  XXXX  XXXX {$610.00} XXXX   XXXX XXXX {$120.00} XXXX  XXXX   XXXX {$66.00} XXXX  XXXX   XXXX {$300.00} XXXX XXXX {$450.00} XXXX  XXXX XXXX {$690.00} XXXX XXXX {$1000.00} XXXX   XXXX {$16000.00} XXXX  XXXX {$1500.00} XXXX XXXX XXXX {$1700.00}
Product: Mortgage

Escrow Balance : IS {$2600.00} I HAVE ASKED SHELLPOINT MORTGAGE SERVICING TO PAY INSURANCE OUT OF ESCROW I HAVE ALREADY PAID {$1300.00} .THE PAYMENT IN THE SUM OF {$2100.00} TO INSURANCE COMPANY THE PAYMENT IS DUE BY XX/XX/XXXX AND {$450.00} PER MONTH GOES INTO ESCROW EVERY MONTH.XX/XX/XXXX TAXS BILL ALREADY WAS PAID.THIS IS THERE RESPONSE : Thank you for contacting Shellpoint Mortgage Servicing. 


Your initial inquiry was sent to the Insurance Department and is still under review Please know that although your request may be completed sooner, it can take up to 30 business days for your request to be fully reviewed, processed, and completed by our Insurance Specialists. Once completed, someone will respond to your initial inquiry. If you would like to check on the status of your request, please call us at the number shown below for the most up to date information, as the account will be updated once it has been reviewed. 

If you need further assistance, please call our customer service department at XXXX. 

Thank you, Loan Servicing Department Shellpoint Mortgage Servicing XXXX ( p ) XXXX ( f ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I keep getting notifications of credit reporting from a discover card Ive never had Ive tried to fix the situation with discover and they didnt try to help at all. Someone I dont know who or when took out a credit card out in my name. I would really like to get it removed from my credit as soon as possible.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. 

Details of the accounts are as follows : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX COLLECTION XXXX Account Number : XXXX XXXX & XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXX
Product: Money transfer, virtual currency, or money service

I am college student that applied for work-study and fell victim to a scam. XX/XX/2022 I was talked into depositing a check of {$1400.00} as a task for my employer. I was then told to send the {$1400.00} to a recipient through XXXX. I did not think much of the request at the time because my so-called employer was under the name/email address of a real professor at my university. The Chase mobile deposit also did not detect anything wrong with the check at the time. On XX/XX/2022 Chase bank realized the check was fraudulent and charged back the {$1400.00} after the deposit was processed. Some Chase representatives old me that they can not help me refund the charge while other representatives told me otherwise.
Product: Mortgage

JP Morgan Chase is purposely not responding to my complaints submitted to CFPB. Each complaint is being responded to by them as being duplicate complaint for year 2018. I am not discussing previous issues. I am discussing present issues. 

Now, I have a new issue to report. Another party is persuing legal remedies for not being served with a notice from JP Morgan Chase and from the foreclosing attorney. There is nothing that I can do about this. But I know that the other party has not been served.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chrysler Refuses to report the true correct up to date accurate information on my credit Report and while doing so has violated many laws including but not limited to the FCRA, Banking law of North Carolina, and UCC- 9-616. 


I Started off by sending my notice of my request for a listed number of documents for Chrysler to mail to me on XX/XX/2019 I also sent out disputes to all 3 credit Bureaus This listed consisted of a number of documents I have a right to as a consumer. This list includes - 1. The complete original alleged promissory note that shows my signature 2. The account transaction history 3. Any required default or acceleration notices 4. The notice of sale document 5. The Calculation of Surplus or Deficiency letter 6. Any additional finance contracts including those related to insurance or finance products 7. The buyers guide 8. The purchase order 9. Any license, bond or registration  document required by the state that allows you to hold or service this alleged promissory note On the XXXX of XXXX Chrysler mailed me The Calculation of Surplus or Deficiency Letter, The Notice of sale document. They did not send me any additional documents related to insurance or Finance products, The Buyers Guide ( XXXX XXXX ), The purchase order, Any License or bond or registration document required by the state that allows them to hold or service this alleged promissory note. 

The Account Transaction that I received from Chrysler Omits 5 Months worth of transaction history with no explanation of why. It shows a Balance and Past due Balance on all bureaus which is a violation but it also shows a balance that is more than {$12000.00} higher on XXXX and a past due balance that is inconsistent with the other 2 bureaus, The dates of last activity are just as inconsistent, and so are the dates of last payments made, 2 of 3 credit bureaus report the wrong credit limit, A monthly payment also reports which is also a violation. 

In my initial contact with chrysler I told them this account was a Retail installment sale contract not an auto loan, they report to the bureaus that the account is indeed an auto loan but yet send me a contract stating that it is true indeed a Retail installment contract but yet it hasn't change on the bureaus or even report that the account is being disputed. 

This is affecting the way my credit is scored and is no way to report the truthful accurate complete data. Below I have Attached more than enough documents to convince you of this blunder on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  PAID OFF AND CLOSED. 
PAYOFF PROOF ATTACHED AND SENT 3 TIMES, HOWEVER DEBT OBLIGATION STILL REPORTING ADVERSELY AFFECTING DEBT TO INCOME RATIO.