23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/2020, I made a payment on the Penny Mac mobile app to satisfy my XXXX mortgage payment. 

On Friday XX/XX/XXXX a received a notification from my bank that there were insufficient funds in my account to cover this payment, payment failed, bank fees applied. 

On Sunday, XX/XX/XXXX I deposited the funds to cover my montage payment into my account and then proceeded to make another payment via the Penny Mac mobile app to satisfy my XXXX mortgage payment On Monday, XX/XX/XXXX, Penny Mac processed a retry payment and charged my account, thus satisfying my XXXX mortgage payment. 

On Tuesday, XX/XX/XXXX I received another failed payment attempt notification. The payment I made on Sunday XX/XX/XXXX was considered my XXXX payment, which I was not trying to pay. I was only trying to satisfy the XXXX payment, without knowing that I did not have to do this, but Penny Mac was going to automatically retry the collection of the payment. Which they did on XX/XX/XXXX and satisfied my XXXX payment. 
I called Penny Mac and explained the situation. I explained that I was not trying to make the XXXX payment yet and to please stop trying to collect XXXX payment. In fact my account had a negative balance as a result. The representative assured me that the payment collection attempt would be reversed and canceled. 
The next day, the payment attempt was reversed and my account no longer shows a negative balance. Great, however when I logged into my Penny Mac account it showed that they gave me two refunds and thus showed my XXXX payment as not paid. I have bank statements showing that they took my XXXX payment and I was never refunded it. They told me to call my bank because they may be holding the funds. I called XXXX XXXX and there was nothing pending. Penny Mac only reversed the last payment retry attempt but did not issue me to refunds. Now, they do not have almost {$1400.00} accounted for and its been two weeks dealing with this has no answers for me. They just stole {$1400.00} dollars from me. I did apply for forbearance due to these difficult times, to relive some stress off of me and my family, this only exasberated the stress. I have spoken to several supervisors and they are insisting that the money was refunded. It was not! One small mistake I made on my end but still paid my mortgage and they don't have the capability to track this, it is absurd. Please, please help me. No one calls me back, they say they are going to transfer me to a supervisors voicemail but it only rings and disconnects. I want to apply partial payment for XXXX while i am in forbearance to minimize the balance when the grace period ends, but I need them to update my account with the proper information and account for my money!! 

I have my XXXX bank statements attached to show the evidence that they withdrew from my account but never refunded me my XXXX payment. Also screen shots of the Penny Mac app showing two refunds and an unpaid XXXX payment.
Product: Credit card

TODAY I RECEIVED A NOTICE IN THE MAIL DATED " XXXX XXXX XXXX '' stating ..... 
" Dear XXXX XXXX Based on a recent review of your Barclays XXXX XXXX XXXX which included info that we obtained from an indep consumer reporting agency, we have reduced your credit line to {$14000.00} This decision was based on the following reasons : proportion of balances to credit limits too high on revolving accts excessive amount owed on revolving accounts '' ( THEN IT GOES ON TO COMPLETELY CONTRADICT ITSELF ENTIRELY ; ) " The consumer reporting agency that provided info that INFLUENCED OUR DECISION IN WHOLE OR IN PART WAS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX '' ( BUT THEN AFTER IT IMMEDIATELY SAYS ) " the reporting agency PLAYED NO PART IN OUR DECISION AND IS UNABLE TO SUPPLY SPECIFIC REASONS WHY WE HAVE TAKEN THIS ACTION '' ... ..... 

( THEN ON THE BACK OF NOTICE IT STATES ) Key factors that adversely affected your XXXX XXXX : proportion of balances to credit limits too high on revolving accts excessive amount owed on revolving accounts proportion of loan balances to loan amount is too high too many accts with balances FIRST- the Equal Credit Opportunity Act ( ECOA ) prohibits creditors from discriminating- ( the ability to discern what is of high quality ; good judgment or taste. ) based on your XXXX XXXX or other protected characteristics : So for them to even look at my XXXX XXXX as any deciding factor is unjust. 

SECOND- They are literally contradicting themselves on paper, trying to confuse the consumer so they don't get in trouble admitting they are doing unjust practice using my score and report to make decisions. First they say the information was the baises then they say it had no part... 

THIRD- If part of the problem is the proportion of loan balances to loan amount is too high and the proportion of balances to credit limits too high, Then lowering my credit limit, WITHOUT WARNING OR TIME TO ACCOUNT AND ADJUST the balance IS contributing to my balances being too close to my credit limits. WHICH in turn is going to lower my XXXX XXXX more and possibly cause a snowball effect of issues with all my Credit card accts. I had XXXX limit and now they are lower it to XXXX when i have a balance of XXXX! HAD i known this was going to take place i would not have maxed out the card! but now the card is maxed- 100 % debt utilization. WHICH looks worse then the revolving 85 % debt utilization. 

INSTEAD, WHY DIDNT THEY LOOK at their SYSTEM and SEE I HAVE NEVER MISSED A PAYMENT! NEVER PAID LATE! In ALMOST 10 years of owning the card.
Product: Student loan

In XXXX I applied for Income Based Repayment ( IBR ), and Income Driven Repayment ( IDR ) plan created by statute and administered by the Department of Education. Pursuant to the Department of Education 's website, I should have been placed into a processing forbearance once I submitted the application. MOHELA refuses to place me into a processing forbearance, and instead has kept me on a court enforced SAVE forbearance.

Specifically, the Department of Education 's website says : " If servicers need time to process a borrowers IDR application, servicers will move the borrower into a processing forbearance for up to 60 days. Interest accrues during this short-term processing forbearance, and time in the processing forbearance is eligible for PSLF and IDR forgiveness. If the borrowers application is not processed by their servicer within 60 days, the borrower will be moved into a general forbearance that does not count toward PSLF or IDR until their application is processed. Interest will not accrue in this general forbearance. '' More information can be found on https : //studentaid.gov/announcements-events/save-court-actions.

I want to be in a processing forbearance, or have my IBR application processed, so that I can continue to get credit for PSLF.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I made an XXXX XXXX for the sum of {$120.00} through Paypal friend and family and the XXXX said that it shouldn't take long to do. It's the middle of XXXX now and I haven't seen anything about my commission and I needed the money back for financial reasons, but they rejected it saying they couldn't refund the money now, then I found some information about said XXXX being a scammer and I filed a dispute through Paypal.
Product: Checking or savings account

My unemployment card was stolen. There were XXXX in claims submitted in XX/XX/2020. My claim has been denied and escalated several times. Most recently it was denied in XXXX XXXX. Since XXXX Ive reached out to merchants that my card was fraudulently used at. A square purchase made with a XXXX XXXX in California led me to learn he dealt with a woman named XXXX. XXXX received the chargeback through square and was made to return the money charged to my card. Yet Bank of America denied my claim for the false charges. Where is the money that XXXX XXXX and others have had to return? If my claim is denied, Im not receiving it. Therefore Bank of America has the funds. So they are now stealing from merchants and consumers.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Prepaid card

I am trying to get a refund for an account I lost access to and was being charged {$25.00} a month. 
I have been charged {$420.00} in fees and have not been able to access nor close this account. In XX/XX/2022 I tried unsuccessfully to get the fees reversed and gain access to the account by going in person. I continued to get charged {$25.00} a month and did not get the fees from XXXX resolved. 

I went into the office yesterday to talk to XXXX. She said she couldn't close the account and I would need another appointment and to return the next day. 
Today I spent an hour at the XXXX office talking to XXXX XXXX who said she couldn't " reverse fees even after talking to XXXX and Checking on the phone. I was then told by XXXX to escalate to you. They helped change the account to avoid fees and get a debit card to get access. I was told that I couldn't close the account if I wanted to get refunds though this practice had been used prior to extracting further funds. 

I would like to get my money back and stop being charged fees. I did not know how this process started but I believe it's related to an XXXX account. As such I am trying to settle this through Bank of America but will likely file complaints to regulators and the attorney general about my banking. For obstructing the closure of accounts and charging fees suddenly without consent and not allowing me to get funds out. 

This has gone on for many years now and I have never had this before except with XXXX XXXX and an XXXX account that the reverse course on promptly after filing. They also stopped opening accounts randomly.
Product: Debt collection

The Bureaus has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Money transfer, virtual currency, or money service

Around XXXX I made a Gemini account connected my bank account to the app. It let purchase cryptos. I went through verification process it is XX/XX/XXXX today and still no verification. Over {$200.00} stuck cant transfer out at all. When I try to withdraw or re verify it tells me to wait for an email and keep shopping. Ive tried emailing them directly and get no answer or anything. I need help
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attempting to lift a freeze on my credit report. Equifax is refusing all contact. My online acct credentials are refused and I'm told to call a customer service number ( XXXX ). That number requested my personal information in an unsecure manner, placed me on hold, and then finally answered to say their " system '' was down and they could not help me. 

The XXXX website interface asked me unrecognizable questions to verify my identity. I am hand mailing a request for a report now in an attempt to get Equifax to recognize me. Will take at least 2 weeks. 

I am XXXX years old. In the last 20-25 years, this or something similar has happened to me at least 5 times between the 3 agencies. Maybe 10. If your business is handling information and you do it this poorly, you should be out of business. Nothing less would satisfy me. But would you please at least hold them accountable enough that I can do business? Please?
Product: Credit reporting, credit repair services, or other personal consumer reports

Ever since 2010, I've been having issues with Franklin Credit Management Corporation in the form of a mortgage. I am not on the mortgage nor at closing. I don't have an account number with them, and they have my social security which is connected to a fraudulent name. I want it off my credit and it has been making my credit score go down for over a decade.
Product: Debt collection

XXXX with Cascade Collections called my cell phone today from ( XXXX ) XXXX, XXXX/XXXX/2016 at XXXX. She said she received a message via their website from me that I would like more information on an account in their office and said " what can I help you with ''. She made no attempt to verify who I was before 1 ) Sharing information with me about the debt, 2 ) Giving me an address where a letter regarding this debt was previously sent 3 ) Stating the amount owed, and 4 ) She not once said this was an attempt to collect a debt. She said she would email me my documents ( I requested ) if I emailed her first. At this point, she still has no idea who I am, as I previously stated she did not verify any information with me. She also asked for my current address and said she would be mailing out a validation letter. 

This is a violation under the 15 U.S. Code 1692e - False or misleading representations : ( XXXX ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. 
********************************** I will be filing a complaint with the original creditor and if need be, in court as this creditor can be fined up to {$1000.00} plus attorney fees and damages. 
Thank you.
Product: Money transfer, virtual currency, or money service

Back on XX/XX/2022 my Gemini XXXX XXXX was frozen for my protection. On Sunday XX/XX/2022 I submitted all required verification identification asked of me to unfreeze my account. I have over XXXX worth of BTC in my account and they are denying me access to it in order to even so much as withdraw it to another XXXX XXXX. They have just completed stopped responding to any type of email or ticket communication with them. They have no way of contacting them via the phone either! It is now 6 days since I uploaded what was asked of me and they have yet to even acknowledge me.
Product: Checking or savings account

On XXXX XXXX, 2023, I contacted Albert App ( who uses XXXXXXXX XXXX ) to try to withdraw funds I had forgotten about ( so the account hadn't been used in quite some time ). I updated all my information, such as address, phone number, and even added a new bank account since the one that was in there already had been closed for several years. After verifying the new bank account ( via small test deposits ), I attempted to transfer the money out but it wouldn't complete the process. I contacted them to resolve the issue, and they proceeded to constantly demand account statements ( for verification purposes ) for the account that no longer exists. I tried explaining to them that since the account has been closed for more than 5 years, the statements they were requesting no longer exist. Per their terms and conditions, they will accept other documents ( such as a utility bill or an affidavit ), but they refuse to honor those terms and they continue to withhold access to my funds.
Product: Checking or savings account

On XX/XX/year>, 2 car payments were made by mistake. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Called when payment posted and was told a dispute would be created. I asked for provisional credit and was told only certain people get that. I asked what qualifies and I couldnt get an answer. Told banker that I feel that Im being discriminated against since some people get credit and some dont. Was told a manger would call. I received a call and asked if I was XXXX, I said yes. XXXX then said she cant verify and disconnected call. Per reg E, after 10 business days, provisional credit is supposed to be given if the investigation continues. We are on day 11 with no credit or investigation results. The car is financed with USAA, the same as checking.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/year> -- {$XXXX}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I sent an e-mail advising that Ive made several attempts to get statements for accounts that are reporting incorrectly to XXXX and XXXX. To date, my request has been ignored. I have sent letters, e-mails, and placed phone calls requesting statements from account open date until closure date. I am asking again for all statements for the below mentioned accounts or that you delete them from XXXX and XXXX immediately. 

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
Product: Debt collection

I am enrolled in the XXXX XXXX and can not be charged for XXXX deductibles, coinsurance, and copayments. I received a bill from XXXX. I sent them my XXXX and XXXX cards. I was told that XXXX paid most of it and the leftover is my responsibility. I told them to bill the remainder to XXXX but they refused. XXXX even told me that I did not have to pay for this services since XXXX is a XXXX provider and must accept XXXX payment as the full payment for any XXXX services I received. I think I used XXXX twice. I'm not sure how many bills they have on file for me since I keep sending the bills back with a copy of my XXXX card. I finally received a bill from a collection agency.
Product: Mortgage

I bought my property in XX/XX/XXXX and financed it with XXXX XXXX. I refinanced in XX/XX/XXXX with PennyMac based on their solicitations. PennyMac apparently has made a huge miscalculation on the escrow portion of my loan. They listed their projection on my property tax as {$1700.00} where the taxes for my property have been {$4400.00} in the past 3 years. I realized this mistake when they send me an escrow evaluation in XXXX along with a statement suddenly asking {$800.00} extra payment on my monthly mortgage. My payment increased from XXXX to {$3000.00}. I have emailed them multiple times online on the customer service line also emailed the loan officer who dealt with my loan. They have been slacking and delaying replies. Lastly, I was able to talk to a supervisor last Wednesday on XX/XX/XXXX and he admitted there was a mistake in initial calculation of the loan but could not figure out how to solve it said he needs to contact other departments handling the loan and will get back to me the next day on XX/XX/XXXX never did. Today I left them a message said I will be proceeding with filing the complaint with CFPB asI had told them before in our communication which they do not seem to care much. 

My tax records for XXXX online at my county : 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 Meanwhile, I have paid my increased monthly payment as {$3000.00}. I believe they assume that after a while I would let it go as onmy initial call the customer servic representative told me that taxes have been going up high everywhere and that is why people now started to prefer selling home and moving to apartments which did not make any sense as my taxes remained the same for the past 3 years per my county records.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried twice to correct a major error on my credit report. The information first came from lending tree, who claims the information comes from Trans Union. I have twice contacted lending tree to dispute this, and they say that they have verified the information which is impossible. I have never had student loans, as my education was paid for at the time I attended college and grad school which was XXXX through XXXX. If they truly tried to verify that they would find that my Social Security number or any information about myself does not match. They claim the loan was taken in XXXX, at which time I lived in Florida. Please try to help me with this, as they keep telling me its been verified. Thank you
Product: Checking or savings account

We tried to make transfers of {$5000.00}, {$12000.00} and {$20000.00} from our joint ( husband/wife ) accounts at Marcus by Goldman Sachs to checking accounts at other US financial institutions ( XXXX, XXXX XXXX XXXX ) in our joint names. These accounts were previously verified by Marcus & linked to our account. Marcus/GS has a security procedure where they make small deposits to the account at another institution you wish to link. Once you verify the date and amount you can link the accounts to transfer funds to & from Marcus. Marcus readily accepted funds in from our accounts elsewhere. We were in XXXX and attempted to use the app to make transfers from our Marcus account to our U.S. accounts. One transfer was reversed and we had problems with the others. After 2.5 hours calling from XXXX with 5 different Marcus Reps, we were told they would not allow any transfers until our return to the USA.?!?! We have never encountered this limitation at any US financial institution previously. When we opened the Marcus accounts, we were never explicitly informed of this limitation in a clearly evident way ( maybe it was in the small print, but it wasn't evident ), and in the intervening years have had in excess of {$300000.00} deposited with Marcus and made transfers to/from US account without issue, including when we were abroad ( we have a home in XXXX ) . Marcus/GS should much more explicitly state this limitation, as it is an unusual rule and now is causing us to borrow money from an overdraft until we return in 4 weeks time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXXXXXX XXXX XXXXXXXX {$110.00} XXXX XXXX {$100.00} XXXX XXXX XXXX XXXXXXXX {$5100.00} XXXX XXXX XXXX {$220.00} XXXX XXXXXXXX {$210.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

I also sent validation letter to validate the allege debt if its 100 percent accurate and valid to collect, but no response at all. Please Delete these Accounts.
Product: Checking or savings account

I am a capital one account holder who has not received their direct deposit. I have tried contacting the company multiple times with no success. The company has not provided timely or sufficient information.