23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On or around XXXX XXXX I submitted a request through XXXX XXXX to solicite offers about refinancing my existing mortgage. I was contacted by XXXX XXXX, XXXX XXXX # XXXX and Co NMLS # XXXX, from Mutual of Omaha Mortgage. After discussing the various options that were available, a cash-out refinance was the best option for me. He requested a credit check and various documents which I consented to and provided on XX/XX/2021. After submitting them, XXXX called and we discussed the next steps that needed to be taken and was provided with loan # XXXX. He would review and submit the information to underwriting for them to review, after which he would reach out to me with an update. By the end of XXXX, I reached out to XXXX because I had not heard anything from him by emailing him at XXXX. In the email I requested an update from him and for him to contact me about the application/loan because, per the app I was told to use, it was listed as " File started ''. I never received a call or email from him nor any response from anyone at Mutual of Omaha Mortgage. After a couple weeks, I deleted the app from my phone and didn't pursue the matter further because of the hit on my credit from this. 
In early XXXX I updated my phone and the app was loaded back to my phone. On a whim, I logged in just to see and the status had changed from " File started '' to " Conditional Approval '' with the comment " due to high volume, we will be in touch in a few days ''. I was shocked because nothing was provided to me stating a status change occurred. I then proceeded to email XXXX again for an updated but no response was provided. I checked reviews and someone in XXXX also stated he doesn't respond which seems to be the standard. I also sent an email to Mutual of Omaha through their website stating there is an issue and to be contacted to resolve it- either going forward with this or cancelling it, anything, which is better than being in limbo.
Product: Money transfers

PayPal has a major flaw in their system that they refuse to address. They keep blaming the consumer and its costing people hundreds of dollars. 
I have XXXX bank accounts listed on my PayPal account. The first account we will call " Default Account ''. 
I authorized a transaction but I wanted to pay out of my new account, we will call it " Account XXXX '' for now. I selected " Account XXXX '' at checkout. The screen said " Your payment type has been changed '' indicating that I was now paying out of " Account XXXX '' instead of the " Default Account. '' A day later I noticed that PayPal had instead withdrawn money out of my " Default Account. '' I was upset because this cause the " Default Account '' to overdraft, resulting in a {$32.00} NSF fee. At this time I took no action because I had no proof that PayPal had made the error. I wondered if maybe I was mistaken and had forgotten to update the account settings, although that seemed unlikely. I let it go. 
A couple days later I tried to do the same thing. I made a purchase and chose " Account XXXX ''. The checkout screen gave a message that I had correctly updated my account choice. Again. I was confident I had done this correctly and went ahead with the transaction. 
One day later I called the company I was purchasing from to make a change in the product. They had to refund and recharge the same account to make the change. I was fine with this since I KNEW I had selected " Account XXXX '' A couple days later both transactions went through my " Default account '' instead of " Account XXXX ''. I was XXXX % sure I had chosen " Account XXXX '' during checkout and yet PayPal reverted the transaction back to my " XXXX Account. '' I now have a total of {$96.00} in NSF fees because PayPal is selecting the " Default Account '' every time instead of updating to the account that the consumer selects. 
Over the next week that company kept retrying the PayPal default and eventually I had a fourth NSF fee. I was powerless to stop this. I now have {$120.00} in NSF fees, all because PayPal chose the wrong account. I only authorized " Account XXXX '' and never authorized the " Default Account. '' I called and asked PayPal to refund the NSF fees and they refuse. They refuse to even admit that their system is causing this error. I asked them why they allow XXXX accounts on file if they ALWAYS choose the default account but they wo n't answer because they do n't want to admit fault. 
I know PayPal wont admit to their error but at this point it is BEYOND the {$120.00}. I know this must be happening to other people ... eventually there will probably be some kind of a class action lawsuit. But in the meantime PayPal is ripping people off and refusing to fix their mistake. 
If this does n't require the help of the Consumer Protection Bureau I do n't know what does.
Product: Checking or savings account

Chase has stolen my money and is doing very little to return it in a timely fashion. 

I mailed a check for {$55000.00} to XXXX & XXXX XXXX. Someone took the check from the mail, deposited it into a personal account at XXXX XXXX XXXX XXXX  flagged it, held and cancelled/stopped payment on the check. Chase Bank released the funds to XXXX XXXX and is telling me 120 days to get payment back. XXXX XXXX has told me they will expedite returning the funds as soon as they get a claim from XXXX, and I have even provided the contact information to the rep at XXXX XXXX XXXX to help move things along as a small business needs to be paid for the work they completed. I do not have another $ XXXX sitting around to cut another check while I wait for my money to be returned at the mercy of Chases poor and unorganized process. 

I have filed a claim with the Fraud department at Chase at which they have misplaced paperwork, sent a claim to XXXX XXXX without confirmation that it would be received and according to their process does not follow-up. Chase has done everything to impede the process, slow it down or take no responsibility on behalf of their customer when they are responsible for releasing funds for a check that was never processed. 

I requested a copy of the claim they sent to XXXX XXXX at that point Chase told me I need to take legal action against them and subpoena them for a copy of my own claims record. 

This is a horrific banking experience to know that Chase cares little to protect their customers, releases funds for checks that never cleared, and loses personal information sent in to them to process claims. My executive office claim at Chase is : XXXX, the claim to XXXX XXXX  ( which Chase refuses to confirm was even received ) is # XXXX XXXX. 

Please help!
Product: Checking or savings account

I recently started a claim with Chase Bank regarding my checking account and the large amount of funds that were withdrawn from it. I did not know who or how these charges occurred, as I was not the one who made these charges, and so I filed a claim with Chase. After XXXX weeks, Chase decides that this claim was made by me. Upon gathering more information, I asked around my family to see if anyone made this charge when I remembered that my senior father borrowed my phone for a short period of time in the morning of XX/XX/XXXX, when the charges occurred. He told me he fell for a scam and sent the money to a misleading individual that I have no connection with or whom I've never met. The XXXX  is from XXXX, and I am based in XXXX XXXX. I do not understand how this would make any sense. I do not blame my father since he is older and most likely made this by mistake. I do not want to press any charges, and my father has since apologized and learned from his actions.
Product: Debt collection

I received a debt collection letter from Johnson Mark XXXX XXXX XXXX XXXX XXXX XXXX Utah, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX Texas XXXX XXXX. Referencing my anticipation of a possible tax refund. XXXX XXXX may request a 1099C form with the Internal Revenue Services to cancel debt of $ XXXX. 
Attorney XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX and XXXX XXXX XXXX, placed a lien on my XXXX and XXXX XXXX XXXX XXXX  checking and Saving and received {$2700.00} from both accounts., I did file a complaint with CFPB XXXX. I received a release from XXXX XXXX XXXX XXXX. And today I received a letter from Johnson Mark demanding an additional amount of {$1600.00}.
Product: Debt collection

I contacted the company reporting the XXXX collections advising they were in correct I contacted XXXX XXXX XXXX who supposedly reported the collection and they confirmed I had a XXXX balance and no transactions for the dates they were reporting nothing has been done to my satisfaction and I need help
Product: Credit reporting or other personal consumer reports

Today, XX/XX/24, I have received a note from the XXXX XXXX XXXX, which tries to explain either options state below. Since I can not figure out which option is correct, I just want you decide and clarify me whether this credit company, Aspire, issued a card or not. 

The XXXX XXXX XXXX issued a credit card, Aspire, in the name of XXXX XXXX. And this XXXX XXXX XXXX  was serviced by Fortiva XXXX, XXXX. 

Most likely, this XXXX XXXX XXXXXXXX wants tell me that I complain because I receive the credit card offer from Aspire ; even though I never received a card. From the beginning, why I complain if I was issued a credit card from the XXXX XXXX XXXX 

From the beginning, I do not know this Aspire credit card company and the XXXX XXXX XXXX, I do not expect to receive any 'receipt of [ my ] correspondence ' from the XXXX XXXX XXXX XXXX Anyway, I never have made any correspondence to this Bank. 

Therefore, I do not know why this Aspire or the XXXX XXXX XXXX  knows my email address. I want to have the explanation how this company knows my email address. 

I also checked Fortiva XXXX. The one relates with the XXXX  XXXX XXXX has the address in XXXX, GA ( XXXX ) and I found another Fortiva XXXX XXXX, XXXX, OR ( XXXX ). This number is written in the notice which I received. These two companies have two different logos. I do not know whether these two are one company or not, but I feel weird.
Product: Credit reporting or other personal consumer reports

I am writing to request the blocking and deletion of fraudulent accounts and inquiries from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and the following items have been fraudulently added to my credit file without my authorization : Accounts to Be Blocked and Deleted : XXXX. XXXX XXXXXXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$6700.00} XXXX. XXXX  XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX  XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX  XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX  XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$470.00} XXXX. XXXX  XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$1200.00} XXXX. XXXX  XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$00.00} XXXXXXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$2100.00} Inquiries to Be Blocked and Deleted : XXXX. XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint because XXXX and XXXX are inaccurately reporting inconsistent payment histories for my XXXX XXXX and XXXX XXXX accounts. Despite submitting disputes to correct these inaccuracies, the accounts were returned as " verified and accurate, '' which is demonstrably false. This indicates a failure to conduct a reasonable investigation, as required under the Fair Credit Reporting Act ( FCRA ). 

These violations have caused financial harm, emotional distress, and an unfair impact on my creditworthiness. I am requesting corrective action, enforcement of my consumer rights, and monetary compensation for damages caused by these violations. 

Violations of My Consumer Rights 1. Failure to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) Credit reporting agencies are required to adopt reasonable procedures to ensure maximum possible accuracy in credit reports. XXXX and XXXX failed in this duty by reporting inconsistent payment histories for the XXXX XXXX and XXXX XXXX accounts. 
XXXX. Inadequate Dispute Investigation ( 15 U.S.C. 1681i ( a ) ) When I disputed the inaccuracies, XXXX and XXXX returned the accounts as " verified and accurate '' without conducting a reasonable reinvestigation. This violates my rights under 15 U.S.C. 1681i ( a ), which requires CRAs to thoroughly review disputed information.

3. Failure to Delete Unverifiable or Inaccurate Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ) Despite their inability to verify the disputed information, XXXX and XXXX have refused to delete it from my credit report. This failure violates 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), which mandates deletion of inaccurate or unverifiable information.

4. Furnishers Violations of Reporting Duties ( 15 U.S.C. 1681s-2 ( b ) ) XXXX XXXX and XXXX XXXX failed to conduct a proper investigation and provide accurate and consistent data to XXXX and XXXX after being notified of my disputes. This violates 15 U.S.C. 1681s-2 ( b ), which imposes a duty on furnishers to investigate disputes forwarded by CRAs. 

I am providing the following documentation to substantiate my claims : Credit Reports : Copies of my XXXX and XXXX credit reports showing inconsistent payment histories for the XXXX XXXX and XXXX XXXX accounts. 
Account Statements : Payment records from XXXX XXXX and XXXX XXXX demonstrating the accurate payment history. 
Dispute Records : Documentation of my prior disputes with XXXX and XXXX, including their responses verifying the accounts as " accurate. ''
Product: Credit reporting or other personal consumer reports

I've never had a credit card with XXXX XXXX and yet they are reporting on my credit report. This accounts is reporting information which varies from bureau to bureau so that in and of itself proves that this account are reporting inaccurately and also for some of them. I'm not even sure what they are so by the provisions of 15 USC, section 168li of the Fair Credit Reporting Act, I demand a re-investigation and deletion of this account and if you or your agency refuses to do so, I demand the names and addresses of the Resident Agent or Corporate Officers of this agency who are going to accept the responsibility of your actions in this matter. Unless immediately notified otherwise, I'm going to assume that 30 days constitutes more than enough " Reasonable Time '' for the re-investigation and correction of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The is my third attempt to ask TransUnion to remove specific address. My request was not correct ; as was told it was. The following is my previous request to remove the requested addresses : " I was embarrassed to say the reason but, I have a stalker that has caused harm, and sent threats at my current addresses and previous address ( upon the new residents that stay there ). This person has gained access to my information some how and I am asking that you please remove all addresses from my report and replace it with the XXXX XXXX that I put in the following letters. I have labeled the letters for each company and each letter includes personally identifiable information. Please not that by law you may not furnish any information and or adverse information without my handwritten consent. -15 USC1681 ( b ) ( a2 ) -15 USC1681 ( g ) ( a ) ( 1 ) -15 USC1681 ( c ) ( a ) ( 5 ) '' Please remove the attached addresses in the dispute letter.
Product: Credit reporting or other personal consumer reports

Complaint Subject : Dispute of Charge-Off Account Under FCRA Sections 1681b ( 2 ), 1681b ( 5 ), and 611 Account Name : XXXX  Account Number : XXXX Complaint Details : I am filing this complaint because there is a charge-off on my credit report that I believe is inaccurate. I have disputed this charge-off with the credit reporting agency, but it has not been addressed properly in accordance with the Fair Credit Reporting Act ( FCRA ).

Specifically, the charge-off listed under [ XXXX ] is reported as a negative entry, but I dispute its accuracy. I have requested that the credit reporting agency investigate the charge-off under the following sections of the FCRA : Section 1681b ( 2 ) This section mandates that all information reported about me must be accurate and reflect the truth.

Section 1681b ( 5 ) This section requires that users of consumer reports ensure that they have a permissible purpose for obtaining and using my credit report and that the information is accurate. The charge-off may have been reported inaccurately due to a lack of proper verification.

Section 611 This section requires that all disputes be investigated and resolved within 30 days, ensuring that inaccurate information is either verified or deleted from the credit report Despite my request, the credit reporting agency has failed to respond in a timely manner, and I have not received a satisfactory resolution. Under Section 1681b ( 2 ), the credit reporting agency is obligated to report only accurate information, and Section 1681b ( 5 ) requires that the information has been reported with a legitimate permissible purpose. Under Section 611, they must complete a full investigation within 30 days of my dispute.

I believe the charge-off is inaccurate for the following reason ( s ) : 1- Last Verified do not match 2- High Balance is incorrect 3- Closed Date do not match I am requesting that the CFPB assist in ensuring that this charge-off is properly investigated and, if the creditor can not substantiate its accuracy, that it be removed from my credit report.

Action Requested : Ensure that the charge-off is verified or deleted in compliance with FCRA Sections 1681b ( 2 ), 1681b ( 5 ), and 611.

Ensure that the credit reporting agency conducts a complete and timely investigation into my dispute and resolves the issue as required by the FCRA.

Thank you for your attention to this matter.
Product: Debt collection

XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$4400.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2013 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting or other personal consumer reports

I had made a dispute on XX/XX/XXXX due to XXXX XXXX  saying my XXXX XXXX XXXXXXXX XXXX XXXX increased balance by {$150.00} when it didnt. It too XXXX point off my score. Then today I logged in and I saw that my credit card was deleted and I lost an additional XXXX points off my credit score. A score which I have worked very hard for.

I am very disappointed with the results and I am hoping that I get my full XXXX points back into my credit score since this is an issue/mistake made by XXXX XXXX from Transunion Report . I would also like my credit card to be added on to my account for XXXX XXXX without losing anymore points. 
Here is the file number for the dispute XXXX
Product: Checking or savings account

On XX/XX/year> I got a personal loan for {$5300.00} ( Because I really needed the funds ) I deposited to me account that same day and the funds got put on hold, ive been going back and forth with the loan company ( Title Max ) and my bank XXXX bank they told me the funds where going to get released on XX/XX/year> which is today. My funds never cleared I called the bank AGAIN, they keep on saying that it is Title Max institution that cant release them, Title Max keeps on saying its my bank that wont release them and that they cant really help me. I need to make my first Title Max payment for this Loan on XXXX the XXXX. How am I supposed to make a payment for something I never received? I need to know whats going to happen with my money now.
Product: Debt collection

I bought a vehicle in 2021. I put just over 5000 miles on it and the transmission went out. I let the bank have the car back willingly due to this. They took me to court however committed perjury when they filed. They never sent me anything in the mail like they claimed. The only notice of court I got was a paper found in my driveway like they just threw it XXXX the ground like they were hoping I wouldn't notice it. I did inform the court of this and was told that no actions were being taken against them for the perjury or negligence. They were ordered garnishment and the only funds I have in my bank are from my XXXX on a hardship withdraw because we were trying to buy a house and that fell threw now I'm trying to come up with the rest of the funds to get a different place. The attorney they hired actually has his own office in the bank. XXXX reviews will also show several people who have dealt with fraudulent activity from this place.
Product: Checking or savings account

Im a XXXXXXXX XXXX XXXX XXXX, and on XX/XX/2023, I stopped at a truck stop - XXXX  XXXX XXXX XXXX XXXX XXXX Missouri to withdraw cash. I used the ATM machine that was in the store - XXXX XXXX. After inserting the card and providing my pin, I tried to withdraw {$200.00} ( {$200.00} with fees ) cash from my business account, however the machine did not react. The money was not dispensed, receipt was not provided, nor any message that the transaction was successful shown. Hence, I took the card out, and tried the same steps again to withdraw money but now for {$100.00} ( {$100.00} with fees ), however the same thing happened, the screen did not state that the transaction was completed, the atm did not dispense money and no receipt was provided. I left empty handed, and withdrew {$200.00} cash from a different truck stop later that day. Upon checking my online banking in a day or so, it showed that both of my empty transactions were shown as completed, and the money were withdrawn from the account. I have called Bank of America to dispute the two charges, and asked to be provided with video footage from the ATM and the XXXX  XXXX truck stop, as it is obvious that the money was not dispensed to me and the video would prove that. Yet, my dispute was denied without any video footage proof and the money was not returned, ( {$100.00} & {$200.00} from the same ATM machine minutes apart ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Additional Legal Information That Should Finally Resolve This Matter
Product: Debt collection

I am a 100 % XXXX Veteran that was XXXX XXXX in XX/XX/2013. Due to service connected injuries, I have become unable to work. I fell delinquent on the AAFES/Star Card account and have had my tax returns taken since leaving the military. 
I would like a printout showing the original balance owed when the debt first became delinquent, as well as something showing the $ XXXX total that has been offset from my taxes- applied to the debt. They have taken over {$4000.00} total and are now garnishing my SS XXXX benefits in the amount of {$250.00} per month. They send billing statements with no decrease to my balance and refuse to mail me anything showing the original balance upon separation and a detailed list of all of the funds they have taken from me, applied to the account. I am told to contact the debt collection company they transferred the debt to, with them refusing to provide information as well. I can not pay a debt that the balance continues to grow. I do not need a statement that shows nothing but the current balance. Where has all that money gone? I have already lost everything I own, from being unable to work, yet this company continues to take my money and refuses to provide documentation of all money that has been offset. I am at a loss. This is why XXXX commit XXXX.