23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was working with a loan consultant at a different firm then where my mortgage is currently, which is Mr. Cooper, we've been asking them for three months to send a verification of mortgage for the last 5 years as I was looking to move from FHA to conventional. They repeatedly would only send a 12 month VOM. When I called to address with them they told me that they would only do the 12 month and to pull my payment history instead. On top of that, during a pandemic where a lot of homeowners are looking for forbearance, I tried to pay off any outstanding fees along with my monthly payment and they marked me late for the months of XX/XX/2020 and XX/XX/2020, now making it impossible for me to refinance when I wasn't even late. Their statements show one date they reported another but funds drawn from my account are dated where it kept me current. They also offered me a streamline refinance with them, started all the paper work sent it all to me to sign when I never asked and I do not understand how they could if they are showing me late, 60-90 in previous year
Product: Money transfer, virtual currency, or money service

I bought a ticket from XXXX to XXXX with XXXX on XX/XX/XXXX this year, and before boarding the plane, I wanted to ask the staff if I could buy the normal price of baggage allowance online or on the spot in addition to the difference in baggage allowance. The staff never replied to me, resulting in me having to leave the gate to ask other staff, which ended up causing me to miss my flight. Afterwards XXXX refused to pay for the damages and I lodged a complaint with pay pal who did nothing.
Product: Money transfer, virtual currency, or money service

PayPal closed my account all of a sudden and they are not really willing to help me get it back. I assume that everything they did was a mistake but months had passed and I still didn't receive any help from them. The email linked to my paypal account is XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 XXXX was giving the seller trouble so as a result XXXX was used to send {$220.00} via the USAA app to XXXX XXXX. Im not sure if it was even sent to the right person because I never heard anything back after making the transfer. Eventually I realized it was a scam and quickly notified USAA the week of the XXXX. Today ( XX/XX/XXXX ), I was just notified by USAA that a refund cant be issued because I authorized the transaction. I am completely stressed because {$220.00} is not a small amount of money I struggle to make ends meet each day so this is a major stressor to me. Through all my years of banking Ive never been scammed. I usually extremely careful, but Im somewhat upset with USAA because being that they brand, provide and advertise the app, a lot of members put their trust in using XXXX, so incidents like this is frustrating and degrading to USAAs brand. USAA sets the bar high to prevent issues of such and its unfortunate that theyd even promote this untrusted app. Im very disappointed.Thank you
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving in accurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been paying to have my credit file as well as my wife 's credit file frozen for about XXXX to XXXX  years or more. I did the same with for the other XXXX credit reporting agencies as well. Initially, the only way to get a freeze from Equifax was to pay as part of a monitoring program. Which I have done since I starting blocking my credit information. As it turns out the law changed in I think XXXX which would have rendered the services I was receiving from Equifax to now be available as a free service. On, XX/XX/XXXX, I contacted because my wife received a notice that they had cancelled her credit service. I eventually ended up speaking to a supervisor from at XXXX named XXXX or at at least that is what he told me. Anyway, after informing them of the fact that the only thing I needed from this service was to freeze my credit and monitoring, XXXX offered me a new product that was cheaper than what I was currently paying ( i.e. $ XXXX & $ XXXX ). The new product was only going to cost me $ XXXX. what a deal. Well the problem is, XXXX should have simply told me that I could be getting that service for free. I didn't discover this until I investigated more as you will see the date on the Consumer Financial site I found. I have been paying all these years for a service that was available for FREE and I was never offered to change!
Product: Debt collection

I have been dealing with Identity theft from about 3 years now. I have been working with XXXX  Identity theft department to resolve most of the fraudulent accounts that were opened under my name. Only one account which XXXX XXXX XXXX, I am unable to resolve. The account was some time in XXXX  and still shows a balance of {$1200.00} and Resurgent Capital Services are the collection company I am introduce too. Resurgent customer service agents are unprofessional when it comes to helping people who are going throuhg Itentity theft. I have in contact with them for about 3 years and I have been filling Identity theft forms that are sent by them, but I have not been able to resolve it. I hope this complaint can resolve my issue.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns about Zelles handling of disputes, particularly in light of the recent CFPB lawsuit that highlights significant issues with the platform. Despite using Zelle multiple times and reporting discrepancies, neither my financial institution nor Zelle adequately investigated my claims. I was informed that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings reveal that Zelle has failed to protect consumers and has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was called by certain XXXX XXXX who said she is from social security informing me that my social security # is being used for money laundering & drug trafficking. She told me that I have a warrant of arrest & a case & ask me to confirm for my social security #, name & address & I gave it to her. She said someone will call me to help me. She gave the case # XXXX & the warrant # XXXX. There was a call after but nobody was answering. So I called the # she used to call me someone answered but then the phone went off.I tried calling the # but it is said it is out of service. I tried getting my credit report but I couldn't get it. So I knew this is identity theft. The even hacked my phone.
Product: Student loan

I took out a Perkins loan to help pay for XXXX school at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. After graduating I landed my first job XX/XX/XXXX at XXXX XXXX XXXX XXXX as a full time XXXX XXXX ( XXXX ). I worked at XXXX XXXX XXXX XXXX until XX/XX/XXXX. With no lapse in employment, I changed jobs in XX/XX/XXXX and  began working full time as a XXXX XXXX ( XXXX ). In XX/XX/XXXX I applied to have one year cancelled from my perkins loan through Heartland ECSI since I was coming up on a year ( XX/XX/XXXX ) being employed full time as a XXXX. I received a reply from ESCI stating that I was not eligible to have the cancellation processed because I am a XXXX XXXX. It stated that I needed to be employed for 12 consecutive months in order to have the cancellation. I called Heartland ESCI after receiving the notice to find out why. They stated that I needed to send proof of being employed full time as a school nurse for 12 months. My contract with the school stated that I was employed from XX/XX/XXXX until XX/XX/XXXX ( see attached file ). I then faxed a copy of my contract from the school showing that I was employed for 12 consecutive months. I was denied again. I called ESCI again to find out why and I was told that because I have the summers off as a school nurse, that I am not eligible and that I needed a letter from the superintendent stating that I was employed full time for 12 months. The original application that is signed by the superintendent and had the official school stamp stated that I was employed full time ( please see attached ) and even if I had summers off, I worked full time as an XXXX from XX/XX/XXXX to XX/XX/XXXX with no lapse in employment.
Product: Debt collection

On XX/XX/year> my account checking and savings accounts at XXXXXXXX XXXX  had a levy put on them and were frozen for the amount of XXXX. When I called the bank they directed me to Weltman , Weinberg & Reis Co., LPA, I kept getting bounced around and received no information, I even called the IRS. I eventually called Weltman, Weinberg & Reis Co., LPA again and after threatening legal action received the information that my bank account was frozen due to a judgement of debt to XXXX that I dont owe them- I didnt receive a court order or notice of the judgement. I tried to look up the information on the docket system as well as other government officials who have special access and no one could find notice either. I wasnt given any chance to represent myself. The head of XXXX has felony convictions for financial crimes including money laundering. The harassed friends and family of mine by creating fake accounts and posting fake negative business reviews of their business to deter customers, and slander my name
Product: Checking or savings account

I have not received my paycheck and was not properly informed of the outage that was happening as of XX/XX/year>25 I received an email Thursday XX/XX/scrub>/25 regarding a technical issues but was supposed to be working Thursday night Friday morning all deposits wouldve been in account however it is now XXXX/XXXX/25 XXXX and still have not received my direct deposit and my bills keep getting rejected causing late fees and return fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a incorrect listing on my credit electronically on the Experian web site, of which I am a paying member. 
The dispute was finished within 2 hours.

Nothing changed but Experian lowered my FICO score by XXXX points just for filing the dispute. 
This is vindictive and against all Fair Credit Reporting laws.
Product: Debt collection

On XX/XX/2018 I XXXX XXXX XXXX XXXX XXXX XXXX playing baseball. I went to XXXX hospital XXXX XXXX. So I went and this was this first time I used my medical insurance and XXXX XXXX XXXXXXXX. So after healing they did not send me any medical bills. The hospital had my number and my work number. I thought my insurance covered everything and I didnt find out until I checked my credit report and that they sent me to collections. That was after 9 months. I dont think its fair because if I knew I had a bill I would of been paying it. I owe XXXX. I called them and tried to tell them if I can dispute it but they said no. They also said they need there money. I told them the same story of what I am telling you and they said they dont care. 

Heres the accounts Progressive management systems ( XXXX XXXX XXXX Accounts XXXX XXXX
Product: Credit reporting or other personal consumer reports

This letter serves as my final demand regarding the ongoing dispute over the inaccurate and invalid negative account that continues to be reported on my credit report. Despite multiple attempts to resolve this issue, you have failed to correct the discrepancies in reporting across the credit bureaus, which is a direct violation of the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, and XXXX XXXX XXXX  Account # XXXX has violated my rights. 

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 written instructions
Product: Money transfer, virtual currency, or money service

What happened on XX/XX/XXXX i used a payment method called Cash App, i sold an item an Brand New XXXX  XXXX On XXXX XXXX XXXX and Tried to get payment, So to find out My Cash App Account was compromised by hackers and spoof email and fraud imposters of Cash App, so both my {$1200.00} which i made from phone and XXXX was stolen from me. 

So far ive Filed Complaint with the XXXX XXXX XXXX XXXX an Disputes Resolution Specialist said i didnt have a letter proving that i was scam, but i do have a written copy of spoof letter from imposters. 

I contacted My State Attorney General and filed an Complaint with her, i havent heard from her yet. 
Just today i filed an complaint with FTC ( Federal Trade Commission ). 

And im writing Cash App Pre-arbitration Policy about this matter. 

I want to fight this and get my {$1200.00} and all damages, stress, mental anquish and a compensation for all my stress and problems theyve caused me and my woman. 

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

I initially co-signed a loan for my son in XX/XX/2015. That car was eventually totaled in an accident. When my son bought a new car from the same dealer, the dealer submitted my credit information without my consent or signature. ( account # XXXX ) When my son missed a payment late last year, it negatively impacted my credit score. I filed a dispute early this year which was rejected by BOA. I contacted them directly back in XX/XX/XXXX, and they admitted that the dealer fraudulently entered my credit info, and that they'd call back in a few days and have it removed from my credit history. I've never received a return call, and the negative information still appears on my credit bureau. I called and after a 30 minute hold, I was just told by a supervisor ( XXXX XXXX ) that it's still being investigated and that he'd submit the complaint again, but there's not much more he can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I had opened an installment loan account at the XXXX XXXX XXXX XXXX XXXX in XXXX my account has never been delinquent, a bad debt, charge off or never Ever been a closed account. My credit Union reports to Transunion and XXXX. The Credit Union had changed over to a new software system. And was having some glitches with their program. According to the head account manager, The wrong code was keyed into the system on the Transunion side. And reflected that my account was closed on XX/XX/XXXX and Was in bad standing. Even though it said payments were on time and never late. I have visited the credit Union numerous times to get this matter corrected And each time they stated that they had reported to TransUnion and have corrected this matter. As of currently, this matter has not been corrected. My credit score for TransUnion currently reflects a XXXX, while my other scores fir XXXX and XXXX  are XXXX and XXXX. 
I have filed a dispute over the phone with Transunion and I was told by the credit union that they received the dispute and have corrected this matter and still nothing has been corrected I asked them to provide me a letter so I can file a complaint and show proof for my dispute. Please help me to rectify this matter.
Product: Credit card

I had a account with jcp And belk in the past but has since obtain new accounts. I need the old accounts taken off.thanksXXXX
Product: Checking or savings account

Bank of America has terrible terrible terrible customer service and I will continue complaints every time my account has an issue, which their customer service team doesnt care to properly handle - at the 1-800 number. 
My account had a {$61.00} pending charge from XXXX  for 7 days. This cause several overdrafts even though the funds were on hold - that should have been released!! 
Furthermore, someone at Bank of America took off the {$170.00} leeway that had been added to my account, as the result of a past CFPB complaint and changed it back to {$0.00} - causing returns of all unpaids!! 
A deposit came in today for {$170.00} and BOA still processed another {$35.00} NSF based on a {$4.00} overdraft to a check that should have been paid. 
If BOA wants to keep the nasty customer service going, Ill keep the government complaints coming. 
Im tired of this!
Product: Mortgage

I refinanced my my mortgage. My previous servicer was Loan Depot. The refinance closed on XX/XX/2020. It is now XX/XX/2020 and Loan Depot still has not returned the balance of my escrow account. 

I called and Loan Depot claims to have mailed a check XX/XX/2020. It simply does not take the post office more than twelve days to deliver a letter. 

I called again today ( 30 minutes on hold ) and the Loan Depot representative said at this point the only resolution is to put a stop payment on the alleged XX/XX/2020 check, a process that will take Loan Depot another 10 business days to complete, at which point they would issue a new check. I asked for the process to be expedited and the new check to be sent through a means where I could have a tracking number. The employee told me that he would need to speak to a manager for that to happen. He told me I would be on a brief hold while he got his manager, then he hung up on me. 

Loan Depot has had my escrow funds for over a calendar month now. Under CFR 1024.34 ( b ) ( 1 ) Loan Depot should have returned my funds to me by XX/XX/2020. I am now on hold again, just trying to get my money back.
Product: Vehicle loan or lease

I volunteered to send the vehicle back to capital, i was never served or notified from capital one that they were selling the vehicle. i asked on several occasions for proof notice for a year and i still have not gotten a reply. i also sent certified letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax reported account right then turned around and changed it to report wrong and decreased score 49 point. The account is paid and I want my points back. It was their error.7
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is violating the Fair Credit Reporting Act. According to the FCRA, a consumer report shall not contain information solely as to transactions or experiences between the consumer and the person making the report nor shall it show any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. The following accounts and balances shall be removed immediately : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

Not only did the credit card not only was robbery papers submitted, this company has illegally put the card in collections to sell it to someone else to make money, that is a crime. Not only that I was only an authorized user, from only XX/XX/XXXX to XX/XX/XXXX. I was nothing more than that and not only that XXXX took USAA CREDIT CARD off my report realizing its illegal activity. Not only that, USAA reported wrong amount. There are 4 illegal things, not just one here, not only that 4 years I tried to resolve this, this is disgusting.
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. DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX , DEPT OF EDUCATIONXXXX XXXX , DEPT OF EDUCATIONXXXX XXXX, and XXXX  XXXX XXXX XXXX. Please remove these accounts ASAP.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists. 

In requesting documentation none was provided. Due to identity theft this should be removed.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year>, XXXX  XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX  XX/XX/year>, XXXX XXXX  XX/XX/year>, XXXX XXXX XXXX  XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XX/XX/year> & XXXX XX/XX/year>
Product: Checking or savings account

Im legally XXXX and I didnt realize someone had used my debit card to make purchases from a company Id never done business with I reported this to Capital One Fraud department The agent told me theyd cancel the card and issue me a new one and take care of the unauthorized charge I was notified by email that they would not take care of these charges and accused me of making them Ive never had this type of issue with a bank in all the years Ive been banking online