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

I was given money via PayPal sent to me using the friends and family method upon trying to withdraw it to a previously verified checking account the transfer was reversed my balance was then frozen, and I was only shown a screen that stated that I was not allowed to have a PayPal account, saying I was in breach of thunder user agreement. I did nothing to warrant this. I followed the agreement 's guidelines explicitly. At no time did I stray outside of those guidelines. When I attempted to speak to a representative I was informed that they were going to keep my money for 180 days. I was shocked by this because PayPal is not only pretending to be a bank, when in fact it is illegal for a transmitting company to operate under banking guidelines, but they were going to do so under false pretenses of protection. It clearly states in the user agreement that their protection policy does not apply to any transaction including birth buyer or seller ( of which I 'm neither ) if money was transferred via friends and family. No goods or services were exchanged so chargebacks do n't apply. 
The next representative I spoke with told me to withdraw my funds I had to send them a copy of my ID. That no one had ever been able to withdraw funds without an ID. In the user agreement it states to withdraw funds you must 1. Verify a bank account. - I did that a month ago 2. Verify a debit card- also did that a month ago 3. Upload a copy of social security card - done weeks ago.

The agreement states that if at least 2 of those actions are completed a account holder may withdraw funds. 
Unless you 're me. Then your XXXX money is frozen and you get lied to by PayPal.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app, due to inadequate customer service and unfair practices. Which is a violation of the Consumer financial Protection Act. Cash app failed to Take timely effective measures to prevent an address fraud on their platform Leaving my account, vulnerable and unprotected Furthermore, their dispute process was unfair and deceptive As they did not comply with errors and Resolution requirements under the electronic fund transfer act. Those act has made financial loss I seek appropriate redress for these violations
Product: Vehicle loan or lease

Credit Acceptance is reporting that I have an unresolved balance with their company for {$2700.00}. However, this balance was included in a Chapter XXXX bankruptcy that was XXXX some time ago. Credit Acceptance is violating federal bankruptcy law by continuing to report that I owe them for this loan.
Product: Vehicle loan or lease

I have emailed, spoke with customer service, escalation team, opened a case manager care case, numerous phone calls and going in circles. It's been over a month and no one is helping me I am unable to get Hyundai Finance to electronically release my title in FL DMV. 
I have had XXXX and XXXX from the executive office as 'case managers ' and they have closed my case as finished and I don't know why ... because I have still not received title. I have reached out everyday trying to get someone to help and hoping this helps me get my title
Product: Consumer Loan

BMW Financial first blocked payment by electronic means on my car loan XXXX XXXX that my son has been using XXXX earlier in 2015. I then sent 3 checks, 2 postdated, by mail to the designated XXXX XXXX XXXX XXXX. After a long duration of no information we received a thank you and acceptance of the payments. However all were attempted by BMW Financial to be cashed at the same time, well before the dates on the 2 postdated checks. They failed to clear. That ultimately led to repossession on XXXX XXXX, 2015 at my son 's place of residence in XXXX -- we are in XXXX. I sent an email to their message center on that date asking what would be needed to re-acquire the vehicle and allow my son to recover his personal items. I heard back on XXXX/XXXX/15 with information that did not answer the XXXX question. I called and was told that a decision would be made and heard the same by email on XXXX/XXXX/15. I emailed again on XXXX/XXXX/15 and again was told a decision would be made. Finally I called on XXXX/XXXX/15 and was told the amount to pay to recover. When I asked how long I had to pay the individual went offline for a bit and when she came back on said -- too late -- their practice was 10 days after recovery vehicle goes to auction so time expired on XXXX. My rights were thus denied by false and misleading information as well as deceptive practices of BMW accepting post dated checks and then attempting to cash them prior to the dates on the checks.
Product: Payday loan, title loan, or personal loan

To Whom It May Concern, I was looking on XXXX for a loan to cover some educational expenses ( I am in XXXX  school ) and have reached my federal loan limit. I applied to and was accepted to " XXXX ''. I read the fine print as it was stated only to be stunned that when I was " approved '' for the loan the information returned was not consistent with the original agreement. I was approved for a XXXX dollar loan and the returned information that was falsely returned stated that I was responsible for an interest rate of : " 894.8297 % '' besides being a decimal point, it is a violation of the " Usary act '' to charge this amount of interest. Additionally, it stated I incurred a finance charge of " {$2800.00} '' ( for a XXXX dollar loan ) and a total amount of payments of " {$3700.00} ''. This is insane! I am going to my bank tomorrow to close the account for good. I am calling this company tomorrow to indicate that I want to return the loan in full immediately! Furthermore, this arbitration agreement states the company is " Silver Cloud Financial , Inc. is an economic development arm of, wholly owned by, and controlled by the XXXX XXXX XXXX XXXX XXXX ( the " Tribe '' ), a federally recognized and sovereign XXXX XXXX XXXX Tribe. This means that your loan is provided by a sovereign government, and the proceeds of the business fund governmental services for the members of the Tribe. ". I am not a XXXX XXXX and this surely can not be legal.
Product: Debt collection

I closed my account with XXXX and in my conversation on the phone I asked if this was the last payment I owed. They responded yes and I promptly paid my last bill. XXXX then stated that I needed to send their equipment back to them or I would be charged. They wanted me to get on my roof to take off a part of the actual XXXX. I told them I was physically unable at the time to get on my roof. I promptly returned the rest of their equipment and I paid the shipping costs. A few weeks later XXXX contacted me and said they made an error in billing and that I stilled owed them {$100.00}. I told them my account was closed and to listen to the recorded conversation that I had with their last customer XXXX To this day they contend that I still owe them which I do not. I have contested this fact from the beginning and I REFUSE to pay this bill. Please help in getting this removed from my report.
Product: Credit reporting or other personal consumer reports

I have sent a letter to the credit reporting agencies. XXXX, Transunion, and XXXX. 

I have sent letters asking for a reinvestigation of accounts in question on XX/XX/2024 in accordance with FTCA Public Law 91-506 requesting validation and information of the individuals they verified the information with. 

I have not received the results of the investigation or if the investigation has even began and has now been over 30 days. I sent a follow up letter via certified mail demand to comply with yet no response. 

The credit companies are not complying with their own policies in a timely manner. 

I ask that they remove the accounts in my letters immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are ( 2 ) inquiries from the following merchant that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Debt collection

Failed to honor that this alleged obligation is not mine and failed to grant monetary relief and is unauthorized to conduct business in my state of residence, Illinois.
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 Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX  XXXX XXXX, XXXX. on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$35000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX XXXX XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

We experienced water damage at our home that was covered by insurance. We filed a claim with our insurance company and were paid on the claim. As per the routine process, we submitted the claim check to BankUnited to be held pending the completion of the work. We hired a licensed contractor to complete the work and the work was performed the summer of XXXX. 

Mid way through the project, we requested payment for our contractor. We provided evidence that work had been performed, including conditional lien releases. Despite confirming BankUnited had all the necessary documentation and repeated follow ups, BankUnited did not send payment in a timely manner. We followed up on the payment on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. A check was finally sent to us in mid XXXX. 

Work was completed in the end of XXXX and we requested the final payment to our contractor. BankUnited performed an inspection of our property to confirm the work was completed. We also submitted all the necessary documentation to evidence that the work had been performed by the contractor, including conditional lien releases. 

We did not receive a check for our contractor in a timely manner. As a result, to prevent a lien from being placed on our home, we personally paid the contractor. After making the payment to our contractor, we contacted BankUnited to have the funds disbursed to us. BankUnited asked for documentation evidencing that the payment had been made. BankUnited also contacted our contractor to confirm payment had been made and he confirmed the same. In response to BankUnited 's request, we provided the evidence of final payment in XXXX. BankUnited didn't release the funds in a timely manner. 

Thereafter, we followed up repeatedly from XX/XX/XXXX - XX/XX/XXXX. We left dozens of messages with BankUnited 's insurance department ( specifically, XXXX XXXX XXXX ) and never received a call back. We also resubmitted evidence of the final payment on several occasions, including XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. BankUnited has yet to release the funds ( totaling over {$17000.00} ). On my last call to BankUnited I was told that servicing for our loan had been transferred to XXXX XXXX XXXX effective XX/XX/XXXX and that I would need to deal with XXXX on the issue. 

I am confident that BankUnited has been earning interest on my money over the period. Certainly, for this reason, the delays are in BankUnited 's favor - probably a systemic problem for the bank 's benefit. This company should not be allowed to service loans.
Product: Credit reporting or other personal consumer reports

I purchased my credit report this morning and saw an unauthorized inquiry on my credit report. Please get rid of that inquiry that are appearing on my credit report. I am unaware of this ; the company did it without my approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX # XXXX XXXX XXXX # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

OnXX/XX/XXXX, I authorized a payment of {$420.00} to be debited from my checking account at Huntington Bank for my car loan on XX/XX/XXXX. On XX/XX/XXXX, I transferred {$300.00} from my checking account to this installment loan account, with the understanding that I would only have to pay another {$120.00}. on XX/XX/XXXX, I discovered that my checking account was overdrawn by {$420.00} or so. I contacted my bank and was told that I would need to speak with someone in Collections on Monday XX/XX/XXXX. I spoke with two or three Customer Service Representatives on XX/XX/XXXX, and they all concluded that I would have had to contact my bank prior to XX/XX/XXXX to stop the automatic payment, because their system recognized the {$300.00} that I transferred over as an additional payment, and the {$420.00} payment had already posted. My problem is that I did not have an additional {$420.00} available in this account when this payment posted, and they are saying that they will not refund the money. I am unemployed at the moment and have rent due this week. I have already faced eviction due to the same issue XXXX weeks ago.
Product: Debt collection

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open these account with SALLIE MAE, Account XXXX with SALLIE MAE. I am not responsible for any payments for this account. I do not have a loan or contract with SALLIE MAE or owe a debt to SALLIE MAE is attempting to collect a debt on the basis of fraud. This item was not being reported legally and lawfully. Misrepresentation of a material fact, unjust enrichment, no loan or considerate was given. Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature and the actual accounting showing a loss. Provide proof of claim with evidence that you have legal and lawful authority to collect. 1. ( actual accounting ) 2. ( sworn affidavit or signed invoice and 3. A copy of the contract binding both parties.. Failure to substantiate the claim, Delete account immediately. I will further pursue all of my legal remedy without further notice to SALLIE MAE. I will further pursue all of my legal remedy without further notice to SALLIE MAE. I have attempted to resolve this matter formally before filing a complaint and lawsuit!
Product: Credit card or prepaid card

I was supposed to receive XXXX American Express Membership Reward points upon making {$5000.00} in purchases on my new AMEX card within the first 6 months of getting the card. I received the card in late XX/XX/XXXX, and I met my spending requirement on XX/XX/XXXX, yet I have not received the XXXX points as I was supposed to. 

I reached out numerous times to AMEX customer service and was told I needed to wait 8-12 weeks starting from the date of XX/XX/XXXX in order for me to receive these points. It is now 13+ weeks since XX/XX/XXXX and I still have not received my points.
Product: Credit reporting or other personal consumer reports

HAVE BEEN AFFECTED OF TRAFFICKING AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 

Account Name : XXXXXXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : UNKNOWN # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/XXXX
Product: Mortgage

On XX/XX/XXXX my mortgage payment was made to PHH mortgage company. On XX/XX/XXXX they took out a second payment for XXXX causing my checking account to be overdrawn by {$3800.00}. 
I called and asked them to reverse the second mortgage charge as they were payed on the XXXX. After several phone calls they finally said they would send a check for the amount of the overdrawn funds, but it would take 20 days to get the check to me. 
I was overdrawn by {$3800.00} with no way to replace it. So I called my bank and talked to a supervisor. They were able to stop payment on the second draw on my account. Again the first draw went through and my mortgage was payed on XX/XX/XXXX as every month. 
When I went to pay my XXXX payment on XX/XX/XXXX PHH told me I was late on my XXXX payment charged me a late fee of {$170.00} but I wasnt late it was paid on XX/XX/XXXX. They applied the XX/XX/XXXX payment to XX/XX/XXXX payments. Now they refuse to reply or give me back the {$170.00} late charge back.
Product: Debt collection

This account has been going to a debt collector who cant provide me the original contract that was agreed upon
Product: Checking or savings account

I have way too much money in my checking account and made a payment to my credit union to move {$500.00}. The transaction was complete in 16 hours. I then tried to make a payment to the same account for {$100000.00} and the soonest date they offered was XXXX or later when it was XX/XX/XXXX. I didn't like it, but went through with the process thinking they are just trying to make loans with my money with the avg cash on hand. XXXX XXXX XXXX  but not too bad. Well, on XX/XX/XXXX the payment shows as processed and the money is still in my checking account and still shows in my balance. I will note that it doesn't show in recent transactions. Just as processed under bill pay ( see screen shots ) On XXXX at XXXX, the money still shows in my checking account but says it is processed. I chatted with an agent and they played XXXX and said they didn't see any of the transactions. I have screen shots of everything on my end. I know I am out a weeks worth of interest, but more than that, this is unethical to tie up my money for this long and show the transaction as completed and still in my account. And I wouldn't be complaining if it were to show up on the other end, but its not there. So, I group this like XXXX XXXX opening fake accounts and they need to be exposed. Please audit them and I am sure you will find this as a normal practice and please hold them accountable.
Product: Mortgage

Lien Release Request : My home of fifteen years is currently in " Foreclosure '' with a Conventional Loan that has a 15 Year Balloon Payment, which has reached it 's maturity due date. I have been, met with several challenges attempting to refinance and / or modify the Balloon Lump Sum Payment that has come due. So, I decided to listed my home for sale to avoid Foreclosure. 

After doing so, I did received an offer, and entered into a contract to close on the property within 45 days or less. 

However the Title Co. revealed XXXX Liens. A First & Second. The Second Mortgage Lien had been " Written Off '' XX/XX/2012 and has exceeded the Statute Of Limitations for collections in my State. 

However the Title Co. would not complete and close the sale of my home without a Lien Release for the " Written Off '' Second Mortgage Lien. 

Both the Title Co. and myself made separate requests and follow up requests for a Lien Release to be issued. Our requests went unanswered, and the Lien Release has yet to be issued which resulted in several contract extensions, and ultimately the buyer losing patience, interest, and confidence that the " Lien Release '' would ever be issued. 

Currently the Lien Release has not been issued, but instead a statement of the amount of debt that was due at the time of the " Write Off '' which has been time barred from collection based on my State 's Statute Of Limitations laws. The Lien holder 's lack of cooperation in this matter is hindering the success of any sale or closing and my ability to avoid foreclosure.
Product: Credit reporting or other personal consumer reports

I recently discovered XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$250.00} on my credit report from TRANSUNION. This is extremely embarrassing and concerning. TRANSUNION does not have my authorization to share my personal information. I will not be paying this alleged debt unless you provide a bill of sale, assignment, or any other agreement between you and the original creditor that proves your authorization to collect on this debt. I have reason to believe you are attempting to extort me by punishing me for non-payment on an extension of credit. Please be aware that under 18 USC 894, it is a crime to collect or attempt to collect by punishing a person for non-payment. Your actions have damaged my creditworthiness, causing me to be denied other extensions of credit that I am entitled to. You do not have my consent for these actions. If you claim to be the creditor, you will be held liable under TILA for any violations. Additionally, you are in violation of the FDCPA for harassment and for furnishing false and misleading information to third parties without my consent. Under the Gramm Leach Bliley Act, you must have my permission to share my financial information with a third party, which you do not have. Furthermore, under 15 USC 1681b, you must have a permissible purpose to obtain and use my credit report, which you have failed to establish. This message serve as formal notice that I will not be paying this debt and I demand that you cease and desist all collection efforts through all mediums, including credit repo