23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Sent a letter that I was in default for 49 days late. I am not sure why. The company doesnt answer my question about it. The company forgot to put my real estate taxes into my escrow and after having the mortgage for 3 months realized it and increased mortgage. How can you forget to add that when the previous company had it in my escrow.? My statement says what is owed and what is posted in my app says it is paid. Not sure what is going on. This company doesnt like to answer your questions and you cant talk to anyone that knows anything.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint against Transunion regarding their handling of my credit report dispute. My name is XXXX XXXX, and I have been experiencing difficulties with XXXX in resolving inaccuracies on my credit report. 

On XX/XX/XXXX, I submitted a dispute to Transunion concerning several fraudulent items on my credit report. However, I received a response from XXXX stating that they were unable to locate a credit file in their database with the identification information I provided. XXXX requested additional documents to verify my identity and current address. Despite providing the necessary documents as requested, the issue remains unresolved. 

The documents requested by Transunion were : Identification : A copy of my Social Security XXXX. 
Current Address : A copy of my Driver 's License. 
I have enclosed these documents with my correspondence to Transunion but have not received a satisfactory resolution to my dispute. The lack of response and resolution from XXXX has caused me significant inconvenience and stress, as the fraudulent items on my credit report continue to affect my financial standing and creditworthiness. 

I kindly request that the CFPB intervene in this matter to ensure that Transunion properly processes my dispute and corrects the inaccuracies on my credit report in a timely manner. I am seeking a prompt and fair resolution to this issue. 

XXXX : Account number : XXXX, This accounts name and number are questionable. I demand this to be removed. 

XXXX XXXXXXXX : Account number : XXXX, This accounts name and number are questionable. I demand this to be removed. 

XXXX XXXX  | XX/XX/XXXX : Account number : N/A, I have not requested a inquiry for credit from this company. Delete this inquiry immediately. 

XXXX | XX/XX/XXXX : Account number : N/A, I have not requested a inquiry for credit from this company. Delete this inquiry immediately. 

XXXX XXXX  | XX/XX/XXXX : Account number : N/A, I have not requested a inquiry for credit from this company. Delete this inquiry immediately. 

Thank you for your attention to this important matter. Please let me know if there are any additional details or documents required to facilitate this complaint. 

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

On XX/XX/XXXX I encountered someone who needed help because he was traveling without his wallet. His relatives wanted to send him cash but he had no ID. He had his uncle and another friend send me Paypal payments and I turned them into cash for him. Once I confirmed that the payments were in my Paypal, I gave him the money. I checked the emails carefully to make sure they were real and verified the balance in my Paypal account. A week later, Paypal started sending me messages that the charges were being disputed. I logged in and reported that I had given the cash to the individual and what had happened. I would not have given the cash if I could not rely on Paypal 's emails " You've Got Money '' and triple checked that I had the cash with no associated fraudulent transaction. Once I investigated later, I see that this is a common scam that Paypal is susceptible to. However, I do not have the fraud prevention department and other controls that Paypal does. It was unavoidable on my part and for Paypal to go after me instead of investigating the fraud and going after the sender or the fraudster is unfair to me. If Paypal does not have sufficient controls to detect unauthorized use of a Paypal account, that's not my fault. I relied on their email " You've Got Money ''.

I relayed all this in my timely response to Paypal 's request for more information. I also relayed this to the  collection agent at Paypal ( XXXX XXXX ) but she just wanted me to pay the bill. No one seems to be interested in the perpetrator ( I have his name and phone number ) of the fraud or the sending Paypal accountholder 's role in this. What is to stop XXXX XXXX and XXXX XXXX from simply claiming they didn't mean to send me the money? They may not be victims but conspirators. I have no idea but it's not on me to investigate when Paypal said " You've Got Money. '' I have attached one of the " You've Got Money '' emails, the collection email and a list of the disputed transactions from XXXX XXXX and XXXX XXXX. I also want to state that despite what XXXX from Collections states, just because the credit card charged back Paypal ( I have no evidence of this ) does not mean that Paypal can charge me back. I did not accept credit cards. I accepted Paypal and relied on their good word. I am not part of the fraud and I should not be the victim.
Product: Money transfer, virtual currency, or money service

I received a check from key bank I tried to cash the check they are saying the check is no good I also took it to a bank and called key bank so many times they are not helping me
Product: Debt or credit management

I contacted Mandarich law group debt collector from upstart loans I asked for them to report my monthly payments to credit bureaus because on my credit report its stating Im not paying at all the representative told them that they do not report to credit bureaus until after debt is paid
Product: Credit card or prepaid card

I placed an online order for an item that was not available in the store as a XXXX gift. I needed to exchange the item for a different size. I contacted the company via online chat on XXXX to ask how to go about exchanging the item. I was advised by the representative to place a new order for the item in the correct size and she would issue a refund on her end for the original order. I asked what to do with the original item, and was advised to donate or discard it. I was advised the credit would appear within 7 days. When the credit had not appeared by XXXX ( 12 days later ), I called and spoke to a representative who apologized the credit wasn't posted, and advised she would escalate the request and the refund should appear within 7 days. When the credit had not appeared by XXXX ( 8 days later ), I called again. I explained what had happened and asked to speak to a supervisor. I was dumped into a voicemail system. I called again and immediately asked to speak to a supervisor. Instead of transferring the call, the representative kept badgering me for additional information. When he finally transferred the call, the supervisor I spoke to again told me I would have to wait 7 days. I advised this was the 3rd time i had been advised to " wait 7 days '' and still my problem was not resolved and i needed to speak to someone that could assist me today. I was transferred again. The next supervisor i spoke to stated due to the original purchase being in multiple tenders ( kohls account and kohls cash ) it was taking additional time to correct. I was advised that the refund was processed on XXXX and would appear on my account in, you guessed it, 7 days. Well, here it is XXXX ( 8 days later ), and STILL NO CREDIT ON MY ACCOUNT.
Product: Mortgage

I have been requesting a remodification from Wells Fargo for almost a year. They have declined it but say because I am not responding. I have left messages, called, and ask for corespondence in writing so I can respond in writing. They refuse. Also, they cam to my house and posted a notice that they were going to change the locks and board up my doors even if I am inside. I do n't think this is legal and could my self and my pets life in danger.
Product: Checking or savings account

Marcus failed to accept normal deposits to my account, providing me false information that my account was in good standing
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter disputing two accounts that are being reported on my credit report. The company sent a statement back to me saying they were going to remove the account from my reports for all three credit bureaus. The letter they sent has an account number on it that is not the same as the account numbers on my report. I would like to know if they are still going to remove these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : o XXXX XXXX  BANK XXXX XXXXXXXX Balance {$360.00} o XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX XXXX Balance {$0.00}
Product: Credit reporting or other personal consumer reports

Provided multiple copies of information of data breach that resulted in inquiries that are unknown to me. TransUnion wont remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been actively ATTEMPTING to have the incorrect information regarding my Student loans deleted from my credit report for entirely to long to no avail. I have contacted Transunion to get correct validated data several times and each time they only return saying they have verified the info. I know this is incorrect because the information they are reporting is not the same on every account. Although these student loans show up as four individual loans, they all should have the same payment information as I was making 1 payment and the company XXXX was dispursing the payments to each account equally. So for the loans to not all have the same information is false. To follow up once AGAIN, on XXXX XXXX, 2017, I mailed another letter stating that i expected Validated information showing my signatures on the deferment and forbearance paperwork showing the dates that the payments shouldve been included therefore NOT late. To this date I have not heard anything from Transunion regarding this matter. It is against FCRA law, to which they are legally bound, for them to knowingly report false unvalidated debts on a cosumers credit file. I also stated the penalty for such acts per section 617 of the Fair Credit Reporting Act for Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] ( a ).
Product: Checking or savings account

I opened a Citi checking and savings account on XX/XX/2018 through a special offer. The terms of the offer were : Open a new checking and savings account, deposit {$15000.00} in new-to-Citibank funds into the checking or savings accounts. Maintain that minimum balance for 60 consecutive calendar days. Then receive {$400.00} in your checking account! I had deposited {$8500.00} on XX/XX/2018 into my checking and {$7000.00} into my savings on XX/XX/2018. I maintained that balance for 60 days ( 60 days from XX/XX/XXXX would be XX/XX/2018 ). I called Citi customer service on XX/XX/XXXX, and they notified me that the bonus showed as linked to my account and would post within 90 days of maintaining the balance for 60 days ( 90 days from XX/XX/XXXX would be XX/XX/XXXX ). I called again on XX/XX/XXXX, and the agent that if the bonus didn't post by XX/XX/XXXX to call again. I called again on XX/XX/XXXX, and the agent explicitly confirmed that I was eligible and should have received the bonus. The agent put a ticket for investigation ( the case number is XXXX and told me that I would be contacted by email within 2 business days. It is now XX/XX/XXXX and I have not been contacted. I have attached my transaction histories so you can see when the accounts were funded and that the XXXX balance was maintained up until today XX/XX/XXXX. Not once has Citi reached out to me despite not fulfilling their terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an alleged charge off account showing on my report to which I do not recognize. Persuant to FCRA 623 I'm demanding the removal of it.
Product: Credit reporting or other personal consumer reports

Improper use of your report We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT XXXX  : # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX The above 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: Mortgage

XXXX XXXX, 2015TO WHOM IT MAY CONCERN : Unfortunately this all was started due to health issues. We have been paying on our mortgage numerous years and have come to the end and I got sick. Most of my expensive medical bills were due XXXX during a year and half year span. These XXXX had to be paid cash up front due to the fact that I had and have no medical dental insurance. Each XXXX cost from {$1500.00} to {$1800.00}. This year I was in and out XXXX. The last time being XXXX 2015. I was in there 4 nights. I have medical records to prove all this. I had to pay {$330.00} for XXXX pills among other XXXX fees XXXX XXXX XXXX. 

We have made several attempts to pay off our mortgage to no avail. I have called in numerous time and repeated the same story to numerous representives., again to no avail. Every time the payoff amounts go up some go down??? All we want is our clear house title. We have paid well over double if not triple the first payoff statement amount and paid additional amounts as well. XXXX the times I made a payment off statement was in XXXX thru XXXX XXXX and than about 5 days later we received a letter from XXXX XXXX saying our monies were there and that we needed to go and pick it up. No reason was given as to why Carrington return our payoff amount?? I have sent in copies of some of the payoff amounts letters form Carrington and also sent in some of the amounts of where we have sent in the monies being charged to us. We have also included an example of proof of insurance where Carrington billed us for coverage when we had it. This also happened numerous times. My Insurance agent has all the faxes they sent Carrington to prove that we were covered and not only faxes but also actual phone conversations with Carrington., not just once but several different times. Again all we want is our clear title.
Product: Credit card or prepaid card

I received a text message from a number XXXX saying my Bank of America XXXX debit card placed on HOLD due to unusual activity. Visit : XXXX. I did not click on that link and not sure if this number is legit.
Product: Debt collection

ok this is XXXX XXXX XXXX I writing this complaint on Performant Recovery, inc XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, CA XXXX ok I received a debt today XX/XX/2018. stating I owe a debt principal balance XXXX interest XXXX plus there fees and cost of XXXX total balance XXXX Now this is a lie I don't even know any think about this debt.. first this is a violation of the fair credit reporting act .because they brought some back dated debt because my credit has been good and clean for 5 years now. I had a XXXX credit score till they pulled it down low ... second they never tried to contact me on the phone or letter till today. However they already put this on my credit report and damaged my credit. they did this on purpose they hurt me financially because I use my credit to acquire income producing assess ... they violated the fair credit reporting act .I don't owe them I don't know were they get this debt from or who sold them my information but its not my debt ... third of all they never gave me a change to see what this debt is about before they put this reaged debt on my credit report .. I demand they take it off my credit report IMMEDIATELY.I DONT KNOW ABOUT THIS DEBT THE LETTER DOES NOT TELL ME WHAT THE DEBT IS FOR AND WHO FROM THE ORIGIN CREDITOR. THEY JUST PUT IT ON MY CREDIT REPORT BEFORE THEY INFORM ME OF ANY THING. THIS IS A COMPLETE VIOLATION OF MY RIGHTS AND THE FDCRA FAIR DEBT CREDIT REPORTING ACT I WANT THIS OFF MY CREDIT REPORT FAST AND NOW.
Product: Checking or savings account

XX/XX/year> my bank account was not credited with my deposit from employment XX/XX/year> my money has still not been deposited
Product: Credit card

Im XXXX by this late payment error, given my history of timely payments. Please remove it from my account as soon as possible.
Product: Checking or savings account

Opened a skrill account, received money from another Skrill customer, tried withdrawing my money from the account an my account got restricted havent been able to make any transactions for a week but my {$680.00} is still on the account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Experian is showing information that doesn't belong to me. I have tried to have the items removed and have sent several letters to them to have the items removed.
Product: Credit reporting or other personal consumer reports

My address was recently change on my consumer report to an address that I have no association with. I have never lived at the address that is reporting on my consumer report. 15 USC 1681 ( a ) ( 4 ) states : There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy
Product: Checking or savings account

Capital One refuses to release a pending hold for a transaction that has already cleared my account for {$44.00}. I contacted the merchant directly, and the manager is not showing any duplicate transaction or a transaction in pre-authorization/hold status. 

Capital One can clearly view that the initial transaction has fully cleared my account yet continues to force this hold on me and will not release it until XX/XX/2022, stating that a pre-authorization is held for a minimum of three days. No, this transaction has been held from XX/XX/2022, until now, which is 4 days. Therefore, on XX/XX/2022, the transaction will have been held for a total of 6 days. My account is now in the negative due to this error. 

I am so frustrated with major corporate financial institutions jerking around the consumer and leaving them in a lurch. I want this problem rectified asap. My next step is to go to the Office of the Attorney General XXXX XXXX XXXX.
Product: Bank account or service

I had an account with Bank of America, I was applying online for jobs and I received an interview for a customer service position ; I was told that I will get sent a check to purchase items for the job. Once I received the check I deposited and Bank of America informed me that the check was a fraudulent check I told them what happen and I received XXXX msg fees because XXXX pending transactions posted ; the rep informed me to write a letter exposing what happen and pay the fees and nothing would be reported to XXXX but I will not be able to open another account with them, I did What he told me and assumed I was told the truth years later while in the process of buying a home I 'm told that I was reported to XXXX as a fraudulent account this is not my fault I thought that this was a legit work from home job as I 've worked for XXXX for years ... and the representative at that time told me I would be okay ; it should not be okay to be lied to I do n't owe Bank of America any money and now I 'm being block from providing for my family because I thought my Bank would protect me but I was lied to did what I was told never committed any fraud ; all because I deposited a check that I received in the mail to to start a job that I thought was legit.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN DEALING WITH A LOT OF TROUBLES BECAUSE I AM A VICTIM OF IDENTITY FRAUD. SOMEONE HAS BEEN USING MY IDENTITY TO RECEIVE SERVICES AND GOODS USING MY IDENTITY FRAUDULENTLY. PLEASE HELP ME BY SEEING ATTACHED SUPPORTING DOCUMENTATION.
Product: Money transfer, virtual currency, or money service

I transferred some money to coinbase to be able to trade, buy crypto and be able to send crypto as I wish to trade certain currencies not on coinbase, before I could do any of it, despite me having a verified old account with coinbase, they blocked my funds and didn't let me withdraw
Product: Credit card or prepaid card

I paid my credit card in full to make my credit limit fully available. No where on the payment screen or in the terms and condition did it say they would hold the availability of my funds for 14 days. I told them I have proof the payment successfully process on my bank account and still the company didnt want to make my credit limit available to me. The only other option available was closing the account. The reason for my complaint is this is a deceptive practice to put the consumers back against the wall to close out their card. How is it the only option you can offer is to close my card? Have I not been a loyal customer, paid annual fees for years? Now when its convenient to you the company, you want to force me out by not making my credit available after Ive paid in full? I smell foul play and this is not a good practice to have in place with your customers. This needs to be stopped.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Here is the account, CB Indigo with one late payment on XX/XX/2024. 
I looked at my XXXX XXXX credit report on XX/XX/2024 and notice some things are incomplete and also not accurate and according to the Fair Credit Reporting Act. Whenever consumer report agency prepares a consumer report shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates according to the 15 USC 1681 ( E ) ( b ) and according to 15 USC 1681S they are supposed to do this, treatment of an accurate or unverifiable information. Also XXXX XXXX credit reported agency violated rights from the Fair Credit Reporting Act U.S.C. 1681i ( 1 ) ( A ), ( 5 ) ( A ), U.S.C. 1681S ( a ) ( 1 ) ( a ) and ( b ).