23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/year> at the debt collection agencys ( Columbia Recovery ) request I sent another email to Columbia Recovery that the leasing agent XXXX XXXX told me via telephone on XX/XX/year> around XXXX EST that they had made a mistake on the ledger and charged me for incorrect and duplicate fees. She sent me the ledgers via email. I asked her to correct it and she said that the debt belonged to a debt collection agency now so they ( Columbia Recovery XXXX would have to correct it. 
I have not received a response or any proof of response from Columbia. 

This debt collection agency ( Columbia Recovery ) is not in compliance with the law ( communication regulations and/or timeliness ) or with debt collection practices as incorrect amount has been on my credit report for years now. I requested that the debt be removed from my credit reports totally. 

On XX/XX/year> I asked for proof of the accuracy of the amounts due. No response or proof of response from the collection agency ( Columbia ) via email was received. 

I submitted a CFPB compliant in which the debt collector said that they did respond to my XXXX email ( which is not true as no proof of said email response was provided from them ). 
It is a deceptive business practice to say that they responded to my dispute and inquiry on XX/XX/year> however Columbia only sends settlement offers and collection attempts but no correspondence about correcting or removing the inaccuracies. I never signed a contract or agreement with Columbia therefore I do not owe them and they should not have my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

We are members of XXXX who signed all members up for credit monitoring and reporting. Somehow they must have given Experian the incorrect email address. As a result I am unable to access my account not on line, not by phone and XXXX has the correct information but Experian does not. My email adress in the system at Experian account is already " being used by another person '' and when I ask to reset my password or sign in the email goes to the wrong email address. I am transferring my job out of state on XX/XX/2020 and my credit needs to be accurate so I can rent new housing there in Utah. This is terribly frustrating and no access to a human at Experian ever. I have called 15 times. I called XXXX also. They say it is not the problem of XXXX. Can you help me get a person from Experian to speak with so I can correct the issue please? Membership ID # XXXX at Experian
Product: Credit reporting or other personal consumer reports

My goal has been set on completion of XXXX  has been placed on hold, and I'm only XXXX XXXX  away. Due to falling victim to XXXX XXXX XXXX, while the pandemic was taking place they falsely reported to my credit on numerous occasions. I called to file complaints both with the company and the credit bureau and for them to provide proof that my account is current, but after proof was provided they still falsely reported to my credit report stating that I owed money while I was in school, even during the forbearance process when all loans was on hold. They impacted my life due to my credit scored dropping tremendously and for instance my credit cards limit were cut in half or more and I have to put my dream of completing XXXX  on hold due to there negligence.
Product: Credit card or prepaid card

OnXX/XX/2019, I was on-line to make a payment to my credit card account ( USAA ) and by mistake, I clicked to pay the full amount owned ( {$3400.00} ) instead of a {$500.00} which I usually pay/month. When I realized I clicked the wrong amount, I called the customer service phone number and talked to an agent named XXXX ( sp? ) who was unable to reverse even though I called her 2 minutes after. She stated that I would have to wait 10 Calendar days to reverse the payment and for me to call back on XX/XX/19. I heard her actually counting out the days while I was on the phone with her. On XX/XX/19 the amount was deducted from my checking account. On XX/XX/19, I called customer service at USAA again and talked to XXXX and she said it would be a reversed in 10 BUSINESS days after amount was cleared. On XX/XX/19, I called again and talked to XXXX and she said the reversal would be made that day and gave me a case number. During that call, she put me on hold and checked with someone else to make sure that could be done on XX/XX/XXXX ; and it was confirmed Today XX/XX/19, still no credit of said amount into my checking account. I called and talked to XXXX at USAA and she said that XXXX made a mistake and the it was to be 10 business day from XX/XX/19 for reversed payment. I asked to talk to a supervisor as I was confused as to exactly when my refund would be made. After 32 minutes on hold, I was connected to XXXX in the resolution center of USAA. She put me on hold as she looked into my issue. She came back to tell me that no direct reversal of credit to my bank was possible and I only had 2 options : 1 : Send a check to me which would take 2 days for the work order and another 10 days to be approved or 2 : Have a cash advance made through my back ( would charge me ).

She said that even though I was told by the above agents that this could be done ; she could not address what I was told, even though she saw all calls documented in their data. 

I am currently out of country and have a US address for all mail, but I'm not physically there to deposit the check. 

She had no other options for me. I was on the phone a total of 1 hour and 6 minutes with no resolution of the matter.

Now ; why did all other agents say a direct reversal was possible, but there was different details as to whether it would be 10 calendar vs. business days ; and what date would the count down begin : day of payment to USAA or date cleared by my bank. XXXX also told me that day didn't count either. 

I asked that the check be mailed overnight, but she could not guarantee that could be done. So ... .it will be possible that I would have to wait 32 or more days from payment of the credit card to resolution IF I can figure out how to deposit the check. And by the way, my bank will hold the deposit for 3 days as well. So, 35 or more days!!

As far as I'm concerned, this is not fair banking practice and I should be protected by the Fair Banking Act. To the least this is poor practice and no care for the consumer and my more than {$3000.00}. 

Your consideration of this matter would be appreciated
Product: Mortgage

My adult daughter and I are co-owners of the house she lives in, purchased in XXXX. The mortgage, taken out by us jointly, was sold 3 times, becoming held by Mr. Cooper dba Nationstar Mortgage, LLC in early XXXX. Despite having an existing homeowner 's insurance policy ( with XXXX XXXX ) in place at the time they acquired this mortgage, Mr. Cooper failed to pay that policy premium, due XX/XX/XXXX, allowing it to lapse. They then purchased out of escrow a Lender Placed Hazard Insurance ( LPHI ) policy from The XXXX XXXX. The previous homeowner 's premium was {$860.00} per annum and the LPHI policy with XXXX cost {$2000.00} per annum. I, as co-owner, was not notified of this. In XXXX, XXXX Mr. Cooper increased the mortgage premium by {$300.00} per month. Since my daughter was making those monthly payments, I was not initially aware of that increase. ( She had assumed the increase was due to increased property taxes. ) In XXXX, XXXX we applied to refinance the mortgage loan with Mr. Cooper. It was during that process, between XX/XX/XXXX and XX/XX/XXXX, that I first learned of the change in the homeowner 's policy and the resulting added cost. I contacted XXXX XXXX and after paying a past due amount was able to get that policy reinstated, covering the time of XX/XX/XXXX - XX/XX/XXXX. Since the mortgage contract obligates the mortgage company to pay the homeowner 's premium out of escrow, my insurance broker sent the new XXXX policy information to Mr. Cooper. I have an email from an agent of Mr. Cooper, dated XX/XX/XXXX, confirming receipt of the XXXX policy information. She indicated that its premium would be paid at closing of the refinanced mortgage. However, in early XXXX, XXXX, I terminated the refinance application due to what I perceived as an unreasonable request by Mr. Cooper to subordinate a XXXX balance XXXX on my primary residence ( which is not the house covered by this mortgage in question ). On XX/XX/XXXX I was notified by Mr. Cooper that they had renewed the XXXX policy for {$2000.00}, paid out of the escrow account. That same day I contacted XXXX to learn that Mr. Cooper had not paid the premium that was due XX/XX/XXXX and that this new XXXX policy would lapse very soon. I then paid XXXX the {$860.00} premium by personal credit card and have verified that that amount was drawn from the credit card and received by XXXX. On XX/XX/XXXX I sent the attached letter to Customer Relations at Mr. Cooper to the address listed on their webpage for handling of complaints. Using USPS tracking, I confirmed that the letter was delivered to them on XX/XX/XXXX. As of today, XX/XX/XXXX, Mr. Cooper has not responded to my letter. Since sending that letter to them, I have learned that both Nationstar Mortgage, LLC ( the parent company of Mr. Cooper ) and The XXXX XXXX are owned by XXXX. This has raised my concern that this repeated failure by Mr. Cooper to pay our own XXXX XXXX homeowner 's premium, and in its place purchase much more expensive XXXX from XXXX, is a form of cross-selling and is at least unethical.
Product: Credit reporting or other personal consumer reports

I am writing to formally demand the immediate deletion of the inaccurate and harmful account information associated with XXXX ( Account Number : XXXX ) ** that continues to appear on my credit report. Despite previous attempts to resolve this matter, you have failed to correct these inaccuracies, which is a clear violation of the Fair Credit Reporting Act ( FCRA ).
Product: Student loan

Mohela is the loan servicer. I'm on the public service loan forgiveness program. Some of my loans are not be counted towrds that and they have them in forbearance which could possibly interrupt and delay my payment counted towards my loans being forgiven. I called back in XX/XX/2023 and they dont have straight answers as to why all of my loans are not showing under my PSLF. 
I have been in the military for 13 years and my student loans should be forgiven by now.
Product: Money transfer, virtual currency, or money service

I open up a trading account with Robinhood with wired money. Now that I want to withdrawal my money {$450000.00} they restrict me to {$5000.00} per 24 hour period so I also asked to just transfer my account and all the funds yo my personal cold wallet but they are not allowing me to do this
Product: Credit reporting or other personal consumer reports

Resurgent Capital services known as LVNV FUNDING LLC has failed to verify the debt under Fair Debt Collection Practices Act, 15 USCG 1692 et seq., and the Fair Credit Billing Act, 15 U.S.C. 1666 reporting to credit Bureaus such as XXXX. I've contacted the company back in XXXX which shows they have been contacted to show that the account ending in XXXX belongs to me. I've attached the letter I sent to request proof that this account belongs to me. Resurgent has failed to show proof of this account belongs to me with my signature. Which is causing harm to consumer report. This account has resulted in identity theft and doesn't belong to me. Ive attached my identity theft. I never had an account with Resurgent and Resurgent do not have my signature for this account saying I'm obligated to pay them. I've attached my federal pre- lawsuit into this matter if the requirements aren't met in the letter that's attached. Please do not take light of my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently been trying to get an auto loan, but have been getting denied by the creditors because no one is able to see my Equifax credit report/score. Ive contacted Equifax numerous times and I dont have a freeze or fraud alert on my account. I cant setup an account with them to monitor my credit, I keep getting error code : NH. Ive still tried to contact them but still getting the runaround from one person to the next. At this point Im unable to get anything in my name due to this Equifax issue. Please help me!!!
Product: Credit card

PayPal received an overpayment from my personal bank, in which I requested a refund, and a check was sent to me in the amount of {$200.00}. I never received the check. However the check was cashed by a XXXX party that I do not even know. Now, I am being advised by PayPal I must file a complaint with the XXXX XXXX XXXX that cashed the check. However, XXXX XXXX XXXX says because I am not their client, in which PayPal is their client, PayPal must complete the fraudulent activity. PayPal refuses to file the complaint, or send me my {$200.00}.
Product: Debt collection

Date of incident XX/XX/19 at XXXX hours Collection agent came to my house and rung the front door, asking for me. My aunt opened the door and told him that I wasnt home. Since we get many visits from solicitors she declined to receive any paper work from agent. My aunt closed the door and agent left an opened Legal court summons ( without an envelope ) on the floor of my front door. As I have evidence of a video, agent walks away an shouts Next time we come to your house, its going to be with a sheriff as he was taking pictures of cars parked in the driveway with in my property. Unfortunately I dont have the audio of him shouting that from my driveway. A few minutes later, my dad was working in the garage as he also heard the shout from the agent. He walks up to my front door and sees the legal open document exposing all my personal information to him. He looks at my paper work and is now in fear of what can happen to me. Since my personal information was not protected properly, my father was able to share my information with the rest of my family members about a debt, my familys peace of mind has been disturb by illegal acts of the agent.
Product: Credit reporting or other personal consumer reports

Consumer name : ( XXXX XXXX ) Consumer Social Security Number ( XXXX ), Consumer Date of Birth ( XX/XX/XXXX ). Contents of the complaint : This CFPB complaint has been filed to request that TransUnion, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ). This fraudulent, incorrect, and false information consists of a personal credit card account opened at 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 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  These accounts have resulted in multiple bogus ADDRESSES and collections on my consumer XXXX credit report. I have attached a list of the accounts in question, as well as a copy of your consumer XXXX credit report, which includes the aforementioned bogus entries. I do not identify the aforementioned accounts and collections, that were reported. I did not open, make, or start the aforementioned accounts, collections, addresses on my consumer credit report, which you keep. All of the accounts, collections and addresses listed above are the result of identity theft and fraud. I've attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) from the US Federal Trade Commission to prove that all of the aforementioned consumer credit accounts, collections, and addresses are the consequence of identity theft and fraud.
Product: Debt collection

We got a letter from a lawyer who was seeking a motion for summary judgment for the amount of {$3400.00}. 

We called the lawyer whose secretary gave us the number of the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. We agreed to pay by debit the amount of {$3400.00}. 

Confirmation number XXXX. 

Our bank shows they took {$4400.00}. 

We have frozen the card used. This has to be fraud. Do we have any recourse?
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple accounts on my credit report that are not mine
Product: Money transfer, virtual currency, or money service

CFPB, I am writing to you with a burning sense of injustice. PayPal is disregarding the law and refusing to return {$3400.00} of my hard-earned money, despite a clear US court order demanding its immediate release. This disregard for consumer rights and financial regulations is unacceptable and demands your immediate intervention. 

Here 's the infuriating reality : A judge issued a court order compelling PayPal to release my funds, yet they continue to hold them captive. This is a direct violation of the law and a betrayal of the trust placed in our financial institutions. 
PayPal 's actions paint a disturbing picture. Are we living in a dictatorship where a corporation operates above the law? This is the United States, and we have a justice system for a reason. 
Compounding this outrage is the location of their limitations department XXXX XXXX. Cultural norms there, unfortunately, can lead to a more relaxed approach to legal compliance, mirroring their current leader 's authoritarian tendencies. 
To add insult to injury, my attempts to resolve this with their disrespectful customer service representatives have been met with indifference. It feels like they'd rather be anywhere but helping customers. 

This is not simply an inconvenience ; it's a financial hardship. My money is being held hostage, uninvested, for no legitimate reason. For two months, PayPal has illegally deprived me of access to my own funds. 

Furthermore, their attempts to smear my name with the CFPB by making baseless accusations are another tactic to delay and confuse the issue. The burden of proof lies with them, and empty accusations only serve to waste time. If they have evidence, let them present it. 

PayPal must be held accountable. 

They need to : Immediately comply with the court order and release my funds in full. 
Be transparent about their reasons for defying the court order and holding my money. 
Face consequences for their illegal actions, including potential damages for the financial hardship caused. 

This issue is bigger than me. It's about protecting all consumers from predatory financial practices and ensuring that corporations operate within the boundaries of the law. 

The CFPB has a vital role to play. Please investigate PayPal 's actions with the full weight of your authority. Let them know that such disregard for the law will not be tolerated. 

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

We put a security freeze on all three credit bureaus XX/XX/XXXX. Today, XX/XX/XXXX, I tried to unfreeze our credit with Experian so that we could co-sign for our son to get an apartment. I had all the original information with the PIN that I originally created. After clicking on " Remove or lift a security freeze '' and entering my PIN, it said that the information was wrong and I could go no further. I tried both my husband 's and my PIN. It is just about impossible to talk to a real person. After calling every Experian number I could find, I finally spoke with XXXX in Client Support Dept and she put me on hold for five minutes. I spoke with XXXX and she said I had to get another number by clicking on " Retrieve my PIN ''. She said she would mail me a PIN that I could give to the apartment management company but it was much faster to do it online. I told her I would try again online and she said she was mailing the PIN to me. I tried the " Retrieve my PIN '', and entered my information and that wouldn't go through either. My son is probably going to miss out on this apartment and may lose his application fee because we have to wait on Experian to mail us a PIN. I'm not confident that the new PIN that we are to give to the apartment manager will work either. Experian advertises that it is so easy to unfreeze your credit when needed as long as you have your PIN. This is not true because I saved my PIN and all the original information from when I first froze our credit.
Product: Credit reporting or other personal consumer reports

I checked my recredit report and seeing that I had an inquiry from a bank called XXXX. I called them to have them remove the inquiry because I did it. I didnt do it nor do I have any knowledge of who they are and they told me that they dont have an application or any bank records or anything with my name or social number I called Trans Union to have them remove it in a can you tell me contact you guys
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( XXXX ) on XX/XX/XXXX. My first payment of {$120.00} was due on XX/XX/XXXX. I made eight payments of {$120.00} each from XX/XX/XXXX to XX/XX/XXXX for a total of {$980.00}. I assumed this was paid off since I no longer heard from them after my last payment was made. They have now sold my account to Complete Credit Solutions , Inc. XX/XX/XXXX TX XX/XX/XXXX @ Telephone : ( XX/XX/XXXX ) XX/XX/XXXX-XX/XX/XXXX. Complete credit solutions has place a collection account on all three credit bureaus for the amount of {$1400.00}. I have disputed these amounts since I have already paid XX/XX/XXXX. This was a payday loan that I am now aware of as being illegal in North Carolina ; however, the main issue is that they were paid three years ago and they are putting an outrageous balance on my credit report that is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was going through my records & noticed the fraudulent accounts which do not belong to me STILL reposting on my file in Transunion. The other bureaus have already DELETED this fraudulent information so my question is why do you still report these damaging records? I also contacted XXXX  XXXX XXXX and then talked to their staff, and they agreed to remove the accounts from my file. I have already disputed these accounts several times and stated that I am an identity theft victim. I even forwarded my FTC report I filed online on their website along with my personal information and documents but still, you chose to continue reporting these accounts. Credit Bureaus are bound to comply with the FCRA regulation section 605b but you never cared nor paid any attention to my Disputes. You became negligent of the FCRA law and continued reporting this information on my Credit File without Proper Verification or Investigation. Now, I want you to REMOVE these items from my file like the other bureaus have done. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency Is unacceptable and raises some major concerns about customer safety.