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

VIOLATIONS OF XXXX and XXXX and XXXX XXXX error resolution 1693d-Notice of transfers 1693 g ( a ) Action or failure to act 1693 ( a ) ( c ) Intent 1691i- When a person can issue a of means of access 15 USC 1691- issuance of means of access EFTA Violations Section 205 Unsolicited EFT and issuance of devices 205.5 Terms allowed to issue EFT device 205.7 Disclosure requirements 205.8 Change in terms disclosures increasing consumer liability 205.9 Periodic Statements UDAAP- Unfair and deceptive acts ( attempt to coerce acceptance of deposit while omission of terms ) On XX/XX/2022, at approx XXXX received a call from a man who identified himself as XXXX, a manager at titleMax XXXX He thanked me for doing business with titlemax the previous XXXX  and wanted to notify me that he deposited funds into my pay portal account totaling over XXXX dollars for me to use when I needed to. When I advised that had not set up a deposit account or the pay portal, I was advised that they opened it for me. I refused the money and directed XXXX to remove th money they deposited from my account immediately. XXXX then tried several times to convince me to accept the money which i refused. First phone call to Title Max XX/XX/XXXX notifying them about unauthorized deposit remaining in account, Sent letters in XXXX, XXXX and XXXX in reference to investigation. Advised via email they were investigating in XXXX. XXXX I sent letter requesting results of investigation and any documents and information used to reach decision, if decision was made. At the time of this complaint, TitleMax has made no attempt to reverse deposit. I have received no resolution notice, basically I have been ignored as it pertained to deposit of funds into account on XX/XX/2022.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have discovered that your agency has furnished and/or obtained my personal information without my explicit written consent, as required by law. Under the Fair Credit Reporting Act, Section 1681b, it is mandated that consumer reporting agencies must obtain written consent from consumers before disclosing their private information to third parties. 
I would like to formally state that I have never provided written authorization for your agency to furnish or obtain my private information. Therefore, any disclosure of my information without proper consent is a violation of my rights under the Fair Credit Reporting Act. 
I hereby request that you promptly remove the following closed accounts from my consumer report : XXXX XXXX XXXX : Acct # XXXX XXXX : {$1000.00} XXXX XXXX : Acct # XXXX XXXX : {$3700.00} XXXX XXXX XXXX Acct # XXXX XXXX : {$25000.00} XXXX XXXX XXXX Acct # XXXX XXXX : {$6000.00} XXXX XXXX XXXX Acct # XXXX XXXX : {$34000.00} XXXX XXXX Acct # XXXX XXXX : {$7800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is a result of a fraudulent account that was opened using my information without my knowledge it appears that there are two separate accounts for a line of credit and a credit card totaling the amount of {$5000.00}
Product: Mortgage

I went to Flagstar Bank, XXXX XXXX XXXX XXXX in XXXX XXXX, Michigan to open a home equity line of credit. XXXX (? ), branch manager assisted me in opening this line of credit and all the paperwork it entailed. I told XXXX there was a possibility that I would n't need the entire HELOC or that I may not use it at all. He said let 's go ahead and do the paperwork and that way the money will be there if need be. Fast forward two years later, and I did n't use the HELOC. I recently sold my house in XXXX XXXX, 2015, my realtor advised me that I have to close this HELOC, which at that point I went to Flagstar bank and worked with XXXX XXXX, assistant branch manager. XXXX printed out the closing paperwork for the HELOC and to BOTH of our surprise there was a fee of {$560.00} attached to it! I asked him what this was all about since I never even used one penny of the money available of the HELOC. XXXX replied, that he did n't know and would research this for me. A few days later he called and said that because I closed the account before 36 month term for XXXX, I have to pay a penalty which was an early termination fee! This was not explained to me by XXXX and oddly the branch manager was n't even aware of such practice. XXXX and XXXX both said I would need to file with the office in XXXX, Michigan that handles customer service complaints. I did this and the women took my complaint, unfortunately I do not remember her name. She said she that someone would be in contact with me in 3-5 business days. After not hearing anything for two weeks, I went back to the bank to let XXXX know that no one has contacted me and I 'm pretty upset with this fee that was never explained to me, and that if an assistant branch manager does n't know about this, how can this information be passed on to the consumer? XXXX ( branch manager ) overheard this and replied that it was in the paperwork. Well, why did n't he point this information out to me and make it clear before having me sign the paperwork? I told them both that I understand I, as a consumer, have a responsibility to understand fully what I am signing, however, my bank, and trusted institution where I do my financial business also has an obligation and responsibility to be forthcoming and carryout ethical banking practices. That is my complaint and I would like to recoup my {$560.00}! I will also be closing my account with Flagstar bank no longer allowing them the privilege of serving me as my financial institution. 
XXXX XXXX -mobile
Product: Debt collection

I have repeatedly asked this credit collection company - Portfolio Recovery for proof of this account being opened and charges being made. I asked for a copy of the credit application & copy of signed receipts. They agreed to provide these items, but even after waiting for over 90 days they were unable to provide any proof other than two statements with a balance forward on them. This is not my account, it is over 5 yrs old and I have called the collection company more than 7 times trying to rectify and yet they still have not removed the collections account from XXXX or XXXX. I even spoke to their dispute dept. who informed me that they do not have a credit application, credit receipts or anything that they can provide me with that would indicate that this is my account. What else can I do?
Product: Credit reporting or other personal consumer reports

My information has been sold to a third party to collect a debt without my permission. They have my date of birth, previous addresses, and social security number and phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Complaint will be my Follow up Complaint for the previous Complaint I submitted exactly 15 days ago. On my Previous Complaint, I requested that the Credit Reporting Agencies conduct an investigation on my Credit file since I found way too many inaccuracies and misleading information. In accordance with the Fair Credit Reporting Act, I am expecting that the Credit Bureaus involved on this matter will be doing what they are supposed to do and remove the account completely from my Credit File or correct the information they present on my Credit. The following accounts must be investigated and corrected : XXXX XXXX  XXXX Balance : {$0.00}, and XXXX XXXX XXXX Balance : {$0.00}. These accounts were reporting invalid and inaccurate information negatively impacting my Credit Worthiness. I also sent dispute letters to the Credit Bureaus dated XX/XX/2023, as I will attach these letters on this complaint. These accounts were already verified by the creditors as we both agreed to remove these accounts completely from my Credit Reporting. I look forward to correcting my Credit File from all the erroneous and misleading information that have been reported on my Credit File.
Product: Mortgage

QUICKEN LOANS a/k/a ROCKET MORTGAGE IS HORRIBLE. THEY DO NOT MAIL OUT TIMELY BILLING STATEMENTS AND DO NOT TIMELY APPLY PAYMENTS. IT IS ALMOST AS IF THEY WANT PEOPLE TO DEFAULT. THEY DO NOT SEND OUT STATEMENTS AFTER THEY RECEIVE PAYMENTS. 

THEIR SALESMAN ARE OBNOXIOUS. THEY KEEP CALLING ME AND ASKING ME TO REFINANCE MY LOAN. I TELL THEM THAT I AM NOT INTERESTED AND THEY KEEP BOTHERING ME. IT IS ANNOYING. I WOULD NOT TAKE OUT ANOTHER LOAN WITH QUICKEN AND WOULD NOT RECOMMEND THEM TO ANYONE.
Product: Checking or savings account

I was the victim of a work scam. I answered an e-mail sent out through the XXXX  XXXX XXXX XXXXXXXX XXXX XXXX e-mail, regarding working from home for a professor related to the XXXX program. I answered and accepted the position. On XX/XX/2024, after supposedly being employed and completing an assignment I was given, I received a check for {$1600.00} from my " employer ''. I used mobile deposit to deposit the check into my USAA savings account and received a confirmation of the transaction from the bank and the funds seemed to be available on XXXX. On the following day, XX/XX/2024 my " employer '' requested that I transfer {$1000.00} of the funds to another employee so that the other employee could use the funds to make a purchase for the department. I attempted to transfer the funds to this other person first on XXXX and then on XXXX and both times the transactions were declined. My employer asked me to then try XXXX. ( I had been following their instructions on what to do ). The transfer of {$1000.00} from my account to the other employee seemed to go through using XXXX. The situation seemed odd to me so I reached out to the XXXX  XXXX XXXX  XXXX XXXX XXXX department on XX/XX/2024 ( ticket # XXXX ). Later, that same day the IT department called me and told me that the university e-mail used to communicate with the so called employer/professor was fraudulent. I immediately contacted the XXXX  XXXX XXXX XXXXXXXX XXXX police department and subsequently the XXXX XXXX XXXXXXXX Police department ( report # XXXX ). On the same day, XXXX/XXXXXXXX I also contacted my bank, USAA, to inform them of the situation. The bank immediately " froze '' my accounts both checking and savings. On XX/XX/2024, the XXXX Police department recommended that I file a report on XXXX, internal crime complaint center, which I did. On XX/XX/2024, I was contacted by USAA and was told that I owed the bank the {$1000.00} that was sent out through XXXX. USAA said it was my responsibility as the originally deposited check eventually bounced and the funds were not there. I feel like I am being punished twice as a victim and the bank is seemingly free of responsibility for the situation. The " virtual funds '' were transferred multiple times before USAA determined the check was fraudulent. If USAA had verified the check sooner or even put a hold on the funds related to the unusual activity the {$1000.00} would not have been released. XXXX could have declined the transaction themselves just as XXXX and XXXX did. If XXXX had done this, the money would never have gone anywhere. I would never have requested the transaction if I knew I didn't have the funds to cover the transaction. I truly feel like the bank, USAA, and XXXX should share some of the responsibility for the victimization of the consumer by fraud. All of us were taken advantage of. Now a college student, who is already short on funds and who was willing to take a job to earn some extra money, is expected to pay back what I don't even have.
Product: Credit reporting or other personal consumer reports

FCRA violations : inquires not mine JPMCB CARD Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$6100.00} XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$960.00} written off. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$6100.00} XXXX Account charged off. {$6100.00} written off. {$6100.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$1900.00} XXXX Account charged off. {$1900.00} written off. {$1900.00} past due as of XX/XX/XXXX. 
XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$1300.00} XXXX Account charged off. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The company has reported an account for a XXXX overpayment that I wasnt aware of as a charge off /collection /never late /paid in full I have reached out to the dept of edu and was advised the account was received in there office on XX/XX/XXXX and a letter was sent to me I didnt receive a welcome letter from them until XXXX in which I called and arranged to pay them in full on XX/XX/19 which I successfully did. This account was not on my CBR prior to me paying them it poppped up on my CBR XX/XX/XXXX with the above verbiage I reached out to the company and asked for them to correct it and they requested me to go out my way even though its there mistake to dispute it with there company I clearly asked why was it reported as a charge off and the account was only opened on XX/XX/XXXX which doesnt qualify for a charge off reporting given a acccount must be at a minimum of 120days delinquent the representatives flat out refused to correct it one supervisor put me on mute and refused to answer me to where I eventually hung up and called back and spoke to XXXX agent Id XXXX who informed me only one supervisor noted the account which is a error because I spoke with two supervisor prior to him and three regular agents I asked for him to send me all letters on my account in which he denied me and advised I had to submit request in writing but the first supervisor I spoke to was willing to resend
Product: Credit card or prepaid card

Applied for Capital One credit card on XX/XX/2022 and was approved. I was sent a card, and was able to use it once. On approximately XX/XX/XXXX, I was told that I had to authenticate my identity and residency, and that my account would be restricted until then. I was asked to submit copy of my drivers license ( front and back ), copy of my social security card and copy of bank statement. 

I submitted all this information, and they informed me that they still could not authenticate me. They told me that I had to send them a copy of one of my checks from my checking account. I had never heard from this, so I asked them what was the problem. They informed me they could not give me the information because of security reasons. This was after several calls to Capital One and conversations with supervisors. I told them to close my account if I was not able to use it because it was restricted and wouldnt give me a reason why. 

On XX/XX/XXXX, I called Capital One because I wanted to know what credit bureau they used to put a restriction on my account. They told me all three bureaus. They refused to give me the credit bureau they used. 

If I had been denied an account with Capital One when I had applied, it is required for them to notify me by mail the reason why I was denied and what credit bureau they used so that I could contact them, and straighten this out. 

How can I correct the matter? Please help me.
Product: Money transfer, virtual currency, or money service

I was transferring my XXXX  funds from my paypal account to my personal bank account XX/XX/XXXX when paypal emailed me that the funds weren't able to be transferred due to high risk business which I was never informed about when I opened my paypal account. I called representative after I received the email and they claim they were holding my funds for 6 months to see if any charge backs due to this so called high risk consulting company then I would receive and email on how I could receive my funds. So fast forward XX/XX/XXXX was 6 months and never received the funds nor the email and when I called them to inquire about it they gave me some water excuse about how they actually stealing my funds claiming some violation of their agreement. I spoke with a rep XXXX XX/XX/XXXX and she was confused as to what happened as well and why I wasn't able to receive my funds and just stated file a complaint with headquarters which never responds. I just want my funds of {$3200.00} not including interest owed the last 6 months released.
Product: Payday loan, title loan, or personal loan

About 3 week ago I applied for a loan for a used car ( {$25000.00} ) with USAA. I paid ( {$2500.00} as a down payment for this car ). When speaking with the loan agent before I had taken the loan I inquired ( twice ) if I would be able to pay off this loan by using my Credit Card. Twice the USAA agent assured me that I would absolutely able to pay off my USAA loan by using my credit card. So with that information I proceeded to get the loan. Today, XX/XX/2018 I called USAA to pay on my used car loan by using my credit card. The USAA agent said that I was unable to use my credit card to pay from my loan! So I asked to speak with the manager, which I did. The manger again stated I was unable to use my credit card and that the loan agent would be trained on policy of payments. I stated to the USAA manger that I was sold a fraudulent with bait and switch information to get  me to sign off on the loan. Today I posted on USAA 's XXXX page about my experience as I am looking for USAA to follow through on their promise so that I may proceed on making loan payments ASAP
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C1681 Section 604 A.Section A Section 2 : It also states a consumer reporting agency can not furnish an account without my written Instructions.
Product: Credit reporting

Upon review of my XXXX report I noticed company named : CAPITAL ONE BANK USA N listed and reporting incorrectly which has caused denials from my applications. This account was a prepaid account in which I paid into the Secured account. I was never late on any payments as this account is being reported falsely. This account is showing under XXXX under status " Closed '' Late with a XXXX. This is not accurate reporting. I am requesting this be removed from my credit file. This item is also showing on my XXXX report as " Closed '' and Paid. This item is showing on my XXXX report " Closed '' payment status is " Unknown ''. It is clear that this company has been reporting to all XXXX credit bureaus inconsistently reporting inaccurately caused credit application denials and inconsistent credit scoring. This company has reported XXXX different ways on each report. This company is reporting false payment status, This company is reporting false terms, It has never been late. Please remove.
Product: Checking or savings account

On XX/XX/XXXX, in the early morning hours around XXXXXX/XX/XXXX I realized I had not received my direct deposit from Capital One. I waited till later in the day still nothing called Capital One to sit on hold for about an hour and 45 minutes to get told that they were having a system issue, and that I would be receiving my direct deposit by the end of business day on Thursday. End of business day came and went on Thursday still had no updates from Capital One or communication sent via email to later that night indicating that they were having an issue and that we would be receiving our checks by Friday morning Friday I spent about 6 1/2 hours on hold three different times trying to get some information from Capital One on where my direct deposit was, I had bills that needed to be paid. I had a concert event planned for that weekend and Capital One had no answers or time frames on when our money would become available. This continued on until Saturday evening XX/XX/XXXX at that point I was able to get a manager on the line and threatened to have my attorney contact them. I asked them why they were not providing temporary credits of at least some type of money to their consumer so they could feed their children as they still had no timeframe on when my direct deposit would be. Capital One had no protections in place for the consumers with little bit of relief efforts. I asked the representative what happens if I cant make this concert this weekend are they gon na refund my money she told me no Capital One was only refunding late fees, I had to borrow money to pay my bills. I had late fees I had missed days at work because I didnt have gas money to get there what Capital One did to their consumers was not only illegal, but it was heartless their communication on keeping their customers up-to-date was nonexistent. for you to have an outage as a major financial institution for four days with no updates to your customers is disgusting.
Product: Debt collection

I have received a letter in the mail and multiple phone calls from " Portfolio Recovery '' in an attempt to collect on an old debt that was discharged in Chapter XXXX bankruptcy over 2 years ago. Their organization was listed and notified in the official bankruptcy paperwork. They are one of the most aggressive and careless debt collectors I have ever dealt with. They clearly do n't even check their own records that show all my debts have been discharged, nor did they verify my credit report ( which also shows the bankruptcy ), and I suspect the original debt is past the statute of limitations anyway. Or worse -- they know all this, and are hoping to scare or pressure me into paying something I do n't owe anyway. They appear to be using at least the following numbers : XXXX ( most recent, used to contact me on X/X/2017 ) XXXX main number? 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: Mortgage

I am having a very difficult time dealing with my mortgage company, Ocwen Loan Servicing, after securing a modification that has encountered hurdle after hurdle. It appears that they have lost or misplaced many of the payments made to them. And even though they say that they are 'attempting ' to assist, Ocwen is known for their roughshod, rush to judgement, tactics. I have a very difficult, almost impossible time, trying to contacting them and attempting to work out anything that helps with the situation. 
I am physically XXXX on a extremely limited budget without the income arising from my residence. I need the CFPB 's assistance to impose surveillance and operational sanctions on Ocwen 's Ombudsman, regulatory and decision making processes that may very will result in a foreclosure and related type actions on us. We have been working on this for almost a year and as soon as XXXX issue is solved, another one comes to take its place. It is not only frustrating but most of all counter productive to preventing adverse actions and losing the home. We are not in formal foreclosure as of this day ; but that could change tomorrow without warning or problem on their part. If legal means are important, than we would like to have assistance in this area. Speed is of the essence. 
If possible, I would like someone to call me and assist in outlying a plan for success. I have many documents that can be sent to assist in this request.