23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Rushmore Mortgage continuously asks me to provide proof of flood insurance. I have multiple months of letters requesting insurance. Each time I receive one I call and give them the insurance info.Then it is quiet a month or two then they start again. If I could refinance with another company at the same interest, I would. I am trapped with them. 

As of XX/XX/XXXX, they purchased flood insurance on my behalf. My flood insurance is paid through my HOA. The insurance company sends out any requests for info promptly as evidenced by my second mortgage not engaging in these extortive practices. 

Rushmore agents are polite yet totally impotent to help in any way other than to say they will pass it on to their team.
Product: Money transfer, virtual currency, or money service

To Whom It May Concern, XXXX for XXXX XXXX XXXX XXXX would like to file a formal complaint against PayPal with the Consumer Financial Protection Bureau as our funds are being held and we have been repeatedly denied access to anyone who could resolve this issue for us. 

On XX/XX/year> XXXX for XXXX XXXX XXXX XXXX created an invoice in the amount of {$25000.00} with the description XXXX XXXX XXXX. The XXXX XXXX submitted payment on XX/XX/year>. On XX/XX/XXXX, {$13000.00} of the {$25000.00} payment was available for immediate withdrawal. The remaining {$11000.00} has been on hold for nearly XXXX  days - over the timeframe that PayPal initially told us they could hold funds up to and now, our account is locked making it impossible to withdraw the remaining funds. 

PayPal states they need further information from us about our tangible goods and services that we sell. We have replied to their requests stating that we are a non-profit organization and we do not sell tangible items or services, we provide programs in the community. We are utilizing the PayPal app to be able to accept contributions from supporters who believe in our work and mission and they wish to donate to our cause, often using a credit card. 

We have reached out to PayPal nearly daily and remain unable to get anyone to address this issue and they keep pushing us to an AI chat bot. Now they are requesting the buyer to reply back to an email. It is challenging enough to raise donations from donors, but it's even more difficult and embarrassing to ask the donor to go to further steps to get the funds to us. Within the portal it now says they can hold our funds up to XX/XX/year>, which would be nearly a two-month hold. 

We are a small non-profit and this contribution is a large amount of money for us. We are hoping that the Department of Financial Protection & Innovation can help us resolve this issue with PayPal and release our funds immediately. Here are the details : Transaction Date : XX/XX/year> Transaction Time : XXXX Transaction # : XXXX Transaction Amount : {$25000.00} Funds Which Have Been Held : {$11000.00} We thank you in advance for your support with this matter. If you have any questions, please feel free to reach out to me directly at ( XXXX ) XXXX. 

Thank you, XXXX XXXX XXXX XXXX XXXX for XXXX & XXXX XXXX Attachments : Timeline of events Backup - Corresponding emails and communication Transaction Details showing hold of XXXX  days
Product: Credit reporting or other personal consumer reports

I have found inaccurate personal information and Addresses on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 17th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$330.00} XXXX XXXXXXXX Balance : {$740.00} 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Vehicle loan or lease

On XX/XX/XXXX, Toyota Financial Services refused to send me itemization of charges assessed with original bills to my XXXX XXXX XXXX car loan. Those erroneous charges are {$2100.00} ( unknown )  and {$250.00} ( unknown ). I want the original bills for proof. 
Otherwise, the charges must be removed by law. 
I want the original bills. 
Next, On XX/XX/XXXX, I cancelled GAP for {$1000.00} and Warranty for  {$3200.00} back to XX/XX/XXXX on XX/XX/XXXX. Non usuage of products and with in 30 days. 
TFS charged me interest from XX/XX/XXXX to XX/XX/XXXX. 
I was told I can cancel these and no interest would be charged and credited back to my account for I never used these junk fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Experian XXXX XXXX XXXX whom it may concern, I am disputing the repossession being declared on my credit report and am asking it to be removed from my credit history because it's harming me and is completely incorrect. 

Please nd uploaded to your site a copy of the vehicle title signed to me proving the vehicle was my property and that XXXX had no lean or legal claim on this vehicle. Furthermore, the vehicle was in an accident back on XX/XX/XXXX. The insurance company ( XXXX XXXX ) already reimbursed me for the vehicle and at no time did XXXX allege ownership of the vehicle, because, of course, I was the XXXX XXXX  of the vehicle and presented both the registration and the title as evidence at that time. 

As I explained above, your actions are harming me and my entire credit history, and want this corrected as soon as possible. 

Sincerely yours, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$18000.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$2700.00}.
Product: Consumer Loan

Was paying to much for a XXXX XXXX ( {$660.00} ). They reposed the car and sold it for {$16000.00} ) and I do n't think I should owe them anything for as much as I was paying a month, I believe they could have gotten the {$9500.00} that they want me to pay now. Ally Financial harassed me at my job and when I would call them they would speak to me very harshly. They would call my place of employment 2 to 4 times on some days every week. I want this bill removed from my credit report and a paid in full credit.
Product: Mortgage

I applied for my refund of my escrow account from Sierra Pacific/ XXXX Mortgage on XX/XX/XXXX after paying off my mortgage. 
No payment was made to me as of XXXX XXXX. Called Sierra PacificXXXX XXXX XXXX speaking to XXXX on this date. Assured that the check was mailed to the wrong address. It would have to be recalled/canceled and a new check issued to the correct address within 5 days. 
XX/XX/XXXX still no refund check. Called above company again an was hung up on by XXXX. Called again and spoke to XXXX who stated she had no notes of previous contact and would now do what should have been done on XX/XX/XXXX and XX/XX/XXXX by XXXX. I insisted that the check be paid plus interest because my funds had been held for more than 4 months. XXXX stated that she could not do that. She did state the same thing XXXX stated on XX/XX/XXXX, that the check would have to XXXX canceled and a new one issued AFTER a review of the case # XXXX. This would take 5 days. 

After all these phone discussions I spent more than XXXX hours trying to get this resolved. 

I still have no confidence that it has been resolved since I have had to repeat all efforts for a resolution 4 times now.
Product: Checking or savings account

I recently reported a plethora of unauthorized charges to bank of america via the usage of my debit card that begin XXXX reported XX/XX/23 once I noticed the low balance as the charges totaled {$2400.00} via XXXX XXXX. I also reported it via XXXX XXXX as well. I requested bank of america block any future transactions and they cancelled the debit card attached, I had not heard anything else from them, nor did they request any additional information, however I then find out on XX/XX/XXXX  the morning of that they denied my claim, for an unmerited reason, now I have to still pay my rent because that was my rental payment and am now facing eviction. I am a compliance manager and I even reached out to XXXX XXXX to also file a dispute - BOA indicated based off prior statements or activity- and conducted no investigation as any prior authorized transactions weren't disputed or refuted, However I DID NOT authorized the charges in which I remitted a complaint about, only to be told they could not confirm an error. I feel it is completely unethical and unfair and I know they've had tons of complaints and lawsuits of unethical practices, but I refuse to allow this to occur to me and intend on fighting this tooth and nail as I know this is unfair. Their response was they are unable to approve my claim Our research included the information you provided with your claim, your account history, the monthly account statements we sent you and if available, information from the merchant, such as a signed receipt or contract smh
Product: Debt collection

This situation is beyond frustrating and completely unacceptable. Imagine waking up one day to find yourself burdened with a debt youve never incurred, unverified and completely foreign to you. On top of that, I am being bombarded with relentless harassment from various communication channels, using different tactics to pressure me. The thought of facing legal threats over something I have no connection to is both infuriating and distressing. As a responsible and law-abiding citizen, I find it deeply insulting that my consumer rights are being blatantly violated. This ongoing issue has taken a serious toll on my mental health, leaving me exhausted and anxious for days.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit card company wants to text me a security code, but it it to an old phone number that I no longer have, and have not had for a few months. The credit card company said they got the number from the credit reporting companies. I was able to talk to XXXX  and they deny that they have any phone numbers on file for me. I was unable to get to a live person at Experian or XXXX.
Product: Mortgage

Hello, I've purchased a house in XXXX XXXX, NV back in XXXX and based on my understanding the mortgage rate was not fixed and it can be changed based on the market current rate. 

As of XX/XX/XXXX the current average mortgage rate is bellow 4 % ( 3.75 to 4 ) on 30 year mortgage. 

Back in XX/XX/XXXX my mortgage rate was 3.50 % Back in XX/XX/XXXX my mortgage rate was 3.75 % Back in XX/XX/XXXX my mortgage rate was 4.375 % after Mr. Cooper take over Nationstar Back in XX/XX/XXXX my mortgage rate was 5.375 % Now as of XX/XX/XXXX my mortgage rage is 5.625 % which is almost 2 % more than the current offered mortgage rate. Within last 2 years my mortgage interest dramatically increased to almost 2 % bringing my current mortgage rate to XXXX and this is a disaster! 

This is a a complete rip off and a violation against good customers who are struggling to pay their mortgages and stay current not to lose their only houses. 

I've tried to contact Mr. Cooper numerous times but all my calls and emails were ignored and all my attempts so somehow be helped were declined. 

This is a complete scam and fraud taking place by Mr. Cooper which should be immediately stoped. Even if the mortgage has a floating interest rate, it should always be adjusted to the current average market rate. 

Attached please find all the statements as a proof. 

Sincerely, XXXX
Product: Debt collection

Account was charged off XXXX. And closed XX/XX/2020, never sent 1099c form to notify so I could balance the books. I'm the XXXX of said accounts. And there's been No written agreement to share Any information pertaining to account.Experian/ XXXX XXXX Do Not have my permission at all displaying personal information
Product: Credit reporting or other personal consumer reports

Accordance in with the Fair Credit Reporting Act below are accounts that have been 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX consumer report has misspelled names witch are innaccurate and different open dates witch are also innaccurate 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 consent or instructions to 15 u.s.c. 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer reporting 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 7 years.

15 u.s.c. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relationg to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information.

Accounts have wrong reporting dates on consumer report Also i ask any inquires be removed that are past the last 30 days
Product: Credit reporting or other personal consumer reports

My credit report is missing this account from each credit reporting bureau. I request that the account be reinserted immediately, XXXX : XXXX XXXX XXXX XXXX. 
Open Date : XXXX. XXXX, XXXX Account # : XXXX Original Balance : XXXX Updated Balance : XXXX  XXXX : XXXX XXXX XXXX XXXX. 
Open Date : XXXX. XXXX, XXXX Account # : XXXX Original Balance : XXXX  Updated Balance : XXXX XXXX  XXXX XXXX XXXX XXXX Account # XXXX Original Balance : XXXX  Status : Paid/closed ( XX/XX/XXXX ) Equifax : XXXX XXXX XXXX XXXX. 
Open Date : XXXX. XXXX, XXXX Account # : XXXX Original Balance : XXXX Updated Balance : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had difficult times trying to remove errors on my credit report from Experian. They dont remove them. They update errors from several years ago to the current month to purposely make my report look even worst. Nothing was removed but only updated. The Bankruptcy is an error and they claimed that it is mine. Many errors are still on my report.
Product: Debt collection

Midland Credit Management continues and has violated my rights via phone and mail under section 15 US 1692 under the Fair Debt Practices Act. I have enclosed an invoice in the amount of {$3000.00} to be paid via check for 3 violations. I have included my affidavit of truth along with the exhibits that highlights these violations. I also have sent this affivdavit of truth along with invoice via certified mail to Midland Credit Management. This has caused me mental and physical distress. The certified return receipt was received on XX/XX/XXXX at XXXX.
Product: Checking or savings account

Unable to open a checking account, due to credit report. Please remove block so I can open my checking account. A couple of bounced checks that corrected once checking account was balanced.
Product: Money transfer, virtual currency, or money service

I was the victim of a check deposit scam that included transferring money on the Cash App platform from Square Inc . I applied for job, for which I 'interviewed ' and was 'accepted '. As part of the scam, the criminal sent me a check on XX/XX/2020 for XXXX USD which I was instructed to deposit in my account ( I did on the same day ) and make a transfer to a 'vendor ' for XXXX USD, who would provide me with materials necessary for the job. I used Cash App to make the transfer on XX/XX/XXXX. After I made the transfer, the check was rejected by my bank because the bank that had issued the check did not recognize the account number on the check ( XX/XX/XXXX ). I alerted Cash App to the scam and requested to file a fraud claim against the recipient ( an account clearly belonging to the perpetrator of the scam ). Not only did they refuse to refund me for the fraudulent transfer, they didn't even have a process by which I could file a fraud claim with the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed TransUnion a disputed letter XX/XX/2019. After more than 30 days, a follow-up letter stating that they didn't response within 30days I'm asking TransUnion to remove these accounts in question.
Product: Bank account or service

I endured multiple issues  with USAA over the p ast year that, in my opinion, appear to demonstrate a pattern of very concerning behavior. In  XXXX , the bank sent an unauthorized payment from my checking account to a recipient I deleted   from my account. After months of awaiting resolution, USAA told me that they would not take any action. I decided at this point that I would remove all of my business from USAA and the representative told me " good luck ''.
I then worked to close my credit card with USAA. After being transferred a dozen times to various representatives, the    bank eventually agreed to close my credit card and confirmed that they would no longer use it for their internal automatic payments. Needless to say, they billed it anyway and then told me they could not close it. This took another series of steps to close the account. It still appears open on my login screen with an expiration date of   XX/2017 . USAA al so signed me up for all of their credit card marketing and told me that I had to call a specific person to opt out.   I attempted to close m y USAA Savings acc ount today. There is no online option, so I went to the chat service. Afte r 10  minutes, they told me I could only close by calling in. I called in and the first representative said aft er 10 mi nutes that she could not close the account and that I would need to call back. I asked to speak to someone else. They transferred me and another representative said she could not close my account, but might be able to tomorrow. I asked for a supervisor. She then told me that she could close my account tomorrow, if I called back. I asked her to just close it, and she told me she would not.     For additional historical issues with the bank, I had two instances where errors from USAA mortgage services caused financial loss to me that I had to work to recoup. The first, I caught during the mortgage process and spent hours reconciling. The second was caught by an audit and resulted in payment sent to me years later.
At this point, I can no longer assume positive intent with the USAA team. I feel abused and they are attempting to force me to keep accounts open with them as I close them. I would like to file a complaint accordingly. I seek to have my savings account closed, my credit card confirmed closed, and whatever your team deems appropriate regarding my other experiences. Thank you in advance for your assistance.
Product: Debt collection

On XX/XX/28 I received an email from XXXX XXXX ( XXXX indicating I had a debt and they were going to proceed with legal action against me. 

I replied and said to stop any and all emails/phone calls and to please provide me with proof of debt by mail to my home address, which I provided. 

On XXXX, I received another email - copied below : Dear XXXX, The Fraudulent customers like you don't deserve any type of sympathy from the company side. 

Sent you lots of e-mails but you did not respond to any of our e-mails. 

You can't even imagine what legal consequences you will be facing you might lose your all money at once and your credit report will be thrashed your bank account will be frozen and your current Employer should also get notified, You might lose your job also. 
Now it's up to you to settle your case file outside the courthouse, else by tomorrow the case will be downloaded and you will be sent court summons to your postal address. 
We apologize for using these harsh languages but you have forced us to use these languages. 

If you cooperate with us we can resolve it out of the courthouse. 

Kindly get back to us ASAP. 


Best Regards. 

I again replied and told them to STOP ANY and ALL correspondence by email/phone.
Product: Credit card

XX/XX/scrub>XXXX - I went in to Navy Federal Credit Union to ask why Im negative with my credit card payment. They told me I made a {$330.00} payment to my credit card. I told them it was not true and that I made a {$600.00} payment. The manager said I only made a {$330.00} payment. I then asked for camera footage that shows I made a {$330.00} payment and she gave me {$10.00} back. The payment was {$590.00} that was due. That day I gave them {$600.00}. The acting manager looked more down the line and told some months I didnt make a payment which was not true. I have a receipt to prove that theyre not telling the truth. Please help me investigate this further.
Product: Credit reporting or other personal consumer reports

Dispute of XXXX XXXXXXXX XXXX XXXX  Account Reporting Dear Credit Reporting Agency I am writing to formally dispute the reporting of my XXXX XXXX XXXX XXXX account XXXX which XXXX opened on XX/XX/year>, with a current balance of {$1200.00}. This account has been reported in violation of the Uniform Commercial Code ( UCC ) and several provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, 15 USC 1604 ( a ), and 15 USC 1666 ( b ). According to 15 USC 1681, I have a right to privacy regarding my financial information. I did not provide permission to XXXX XXXX to furnish my account information to credit reporting agencies, which is mandated under 15 USC 1604 ( a ). Additionally, under 15 USC 1666 ( b ), a creditor can not treat a late payment on an open-ended account as late for any purposes, and I believe this has been incorrectly applied in my case. As such, I am requesting that you conduct an investigation into this matter and remove the XXXX XXXX XXXX XXXX  account from my credit report. I have not authorized the reporting of this account, and it is essential that my rights under the UCC and FCRA are respected. Please provide a thorough investigation and written confirmation of the results. If the account is found to be inaccurately reported or unverified, I expect it to be removed from all credit reporting agencies promptly. Thank you for your immediate attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX XXXX