23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

After the market crash XXXX, we were in put into financial stress to manage rental house properties and our own personal home loan mortgage. Our attorney advised us to file for bankruptcy on the XXXX rental homes and the XXXX on our house. During this process our attorney, recommended we delay the filing as to improve our outcomes on the bankruptcy. Because we followed this advice, we unfortunately lost our XXXX rental properties ; XXXX through a foreclosure and the other XXXX through a short sell. We informed by the attorneys that we had reached the statue of limitations on our all of our loans. To verify this, we contacted Indy Mac ( XXXX XXXX ) in XXXX, they told us the XXXX was charged off on XXXX XXXX, XXXX. When we were checking our credit report in XXXX XXXX, we observed the second was back on our credit report. Immediately we made weekly calls in attempts to make a settlement and or arrangements to correct this issue. We submitted in XXXX XXXX a short sell settlement package to XXXX XXXX, We made numerous phone call on the status and always received the runaround and " someone will get back us ''. We resubmitted a loss mitigation request on XXXX/XXXX/XXXX. We finally received a letter dated XXXX/XXXX/XXXX stating XXXX XXXX received our paper work and needed more information, on which we complied with. We a received counter offer letter XXXX/XXXX/XXXX. Again, we made numerous calls and finally we were told XXXX XXXX had our account as per a collection agency, because One West wo n't accept our money. We contacted Penncro XX/XX/XXXX. We began making payments to XXXX to XXXX. On XXXX/XXXX/XXXX, we had received a notice that our last payment check had been returned to our bank. Called XXXX, but XXXX XXXX XXXX answered the phone. Found out they have had the loan since XXXX. No communication was made by XXXX XXXX XXXX. They advised us to refinance XXXX or short sell the house. Contacted XXXX XXXX to refinance, but showed they had nothing on any credit reports. During a 3 way call with One West and XXXX XXXX, One West refused to allow the call to be recorded. Called back One West, the XXXX stated we have now {$56000.00} on top of what we have left to pay. Because of this we ca n't refinance the original our first loan to pay this off. We have been told before by Indy Mac, XXXX XXXX, and XXXX that we have had no interest or fees. We feel this is a deceptive business practice at the level of fraud and theft. We have made our XXXX loan payments faithfully since XX/XX/XXXX and we are now more in the " hole '' than when we started. The position that the HELOC wo n't work with us as to take our money and continue to place us in position of losing our home and continually tacking more fees and interest to compounds the impossible situation. We feel have the finances to bundle up the XXXX and the XXXX if can get the loan ... BUT, because they have us in a rock and hard place, it prevents us from doing this.
Product: Money transfer, virtual currency, or money service

Multiple phone calls to TeleCheck because customer 's has a new account number due to bank merger. 

TeleCheck has declined customer 's transactions and caused embarrassment since this is her place of employment. Ample funds are available. 

TeleCheck has not resolved this issue even with multiple phone calls.
Product: Checking or savings account

I opened an estate account for my deceased husband which I am administrator of, I received check from insurance company for {$30000.00} I deposited funds 2 days later I have no access to the funds they told me my account is restricted and under review they are closing my account and I need to wait 10 days to get a check No explanation no warning This is all the money I have and I can't access the funds it's XXXX  XXXX  they are doing
Product: Credit reporting or other personal consumer reports

What I am addressing is what I believe is a Predatory practice being used by the Credit card agency to create revenue using demographic information which includes, ethnicity of which all agencies have, and proceed social economic status basis on debt-to-income ratio. The use of this algorithm and this XXXX XXXX XXXX is a method used to increase the revenue for the credit card agencies that are advertising on your credit report feed using high interest offers of over 30 % using a low credit score ( XXXX ) to increase the potential revenue for credit card agencies. This is done by using ambiguous reasons as in my case, Payment History, Credit Age and last and the most offensive is Hard Inquiries history. Lets start with PAYMENT HISTORY : I'm XXXX XXXX XXXX, ( not XXXX XXXX XXXX ). I'm not in debt to anyone. As a XXXX XXXX XXXXXXXX  with an earning potential of well over XXXX a year in the past years prior to the pandemic. I have purchased and owned a home, paid off several automobiles and pay as agreed a XXXXdollar student loan which I believed would increase my credit score only to be informed that it has been lowed. Which bring me to the CREDIT AGE : Again, I am XXXX XXXX XXXX. My student loan which was initiated in XXXX - XXXX paid as agreed and paid in full in XXXX. Home loan, auto loan and Student Loan all paid as agreed, and I'm presently in no debt. So why at this point is my credit profile indicating that my CREDIT AGE NEEDS WORK. Last and the most offensive is my HARD INQUIRIES History totaling only 6 over a year & half old ago. 3 of which were conducted without my permission at an auto dealership. The use of this XXXX XXXX XXXX XXXX ( LOW CREDIT SCORE XXXX ), using the ambivalent reasons and the adverting of High interest rate credit cards on my profile feed, all indicate a Predatory purpose to get certain American Citizen in increasing debt, by lowering your score and providing information that the process of applying for and receiving high interest card with low available credit ( XXXX  ) High % rate on a small amount of money available for use, Is the way to improve your credit. This behavior by XXXX ( credit score XXXX ) and Transunion ( credit score XXXX ) both using the same algorithm XXXX XXXX XXXXXXXX is a predatory practice. XXXX ( credit score XXXX ). That along with failing to update the correct information which in my case was employment information that was over 2 years outdated and fail to reflect the correct debt to income ratio in their system by only using certain information that appears to validate their low credit score in their system. That fact that you can't dispute your credit score with these agencies, and they only provide you with one or two ways to improve your score further, ( XXXX ) High % rate on a small amount of money available for use advertised on your credit profile feed, further indicate the predatory nature of this practice. This one of the major reason American are so deep in credit card debt. Again, this is a Predatory Practice.
Product: Checking or savings account

I made a deposit in the amount of {$18000.00}. on XX/XX/24. This deposit was from my insurance company XXXX XXXX. Northwest bank placed a hold on MY money for 7 days. I spoke to my insurance company the money has been taken out of their account and cleared. I had one person from the bank tell me I could have access to MY money on XXXX and another person told me I cant withdraw MY money until XXXX. I now am not sure how many more days I have to go with no money. My disclosure from Northwest states a 3-5 day hold unless you have been in the negative or account is not in good standing. My account is and has been in good standing. I fully believe Northwest bank is a XXXX bank and judged me by the XXXX of my skin and the car I was driving ( my sons old pickup truck because my car was totaled in an accident ) when they placed a 7 day hold on the check. I was told it is at the discretion of the bank how long the check is on hold. Northwest has the money from my insurance company and they should not get to hold it and make interest off of it for 7 days.
Product: Credit card or prepaid card

Three ( 3 ) returns are in the " back office '' of PayPal for review. Two of the returns have been received by the seller and the other one is in my possession but not true to size. It takes months for the so called " back office '' to review and refund the money back on my PayPal Credit account. Also it takes 2 weeks before PayPal will note a payment that is sent via USPS.

I was advised by a PayPal representative differently. I was told that when the merchant received the merchandise back, the refund would be placed on my account. This is not true.

It takes months for PayPal to refund credits on a PayPal Credit account even though the merchant has received the merchandise back.

PayPal is horrible and takes forever to make refunds and then it takes two weeks for the refund to properly register on the account.
Product: Debt collection

I tired called affirm many times to check what I owe the company and the representatives can never seem to verify my account they and do not want to provide me with information on the collection which is showing on my report
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : XXXXConfirmation of corrections made to the disputed items. 
XXXXAssurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ). 
XXXXWritten confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXXXXXX XXXX XXXXXXXX XXXX ....
Product: Debt collection

I am submitting this formal complaint against Debt Co Collections for their failure to provide requested documentation and for attempting to collect a deficiency balance after the repossession of my vehicle. Despite six months of repeated requests for essential information, including the sale price of the vehicle and how the proceeds were applied to my loan balance, Debt Co Collections has not provided any response or documentation. 

My vehicle was repossessed due to non-insurance and subsequently sold at auction. However, I have not received any documentation from Debt Co Collections detailing the sale price of the vehicle or how the sale proceeds were applied to my loan balance. Despite multiple requests for this information, I have received no response, and my balance still reflects the original deficiency of {$6100.00}, the amount I owed at the time of repossession. This amount remains unchanged, and without any evidence of the sale price or a breakdown of the proceeds, I can not verify the legitimacy of the current balance. 

Under the Uniform Commercial Code ( UCC ) 9-610, when a vehicle is repossessed and sold, the lender is required to conduct the sale in a commercially reasonable manner and provide the borrower with a Notice of Sale and the sale price. Furthermore, UCC 9-613 mandates that the lender must provide a breakdown of how the sale proceeds were applied to the outstanding loan balance. The Texas Business and Commerce Code also requires the sale to be conducted fairly and reasonably, yet Debt Co Collections has failed to provide any documentation proving that the sale was conducted appropriately. 

I am requesting that Debt Co Collections provide the following within 15 days : Documentation showing the sale price of my vehicle and a breakdown of how the proceeds were applied to my loan balance. 
The Notice of Sale and proof that the sale was conducted in a commercially reasonable manner. Also show how you were able to verify my dispute Any communication or records between Debt Co Collections and XXXX XXXX XXXX regarding the repossession, sale, and deficiency balance. 
If I do not receive the requested documentation or an adequate explanation within 15 days, I will consider pursuing further action, including filing a formal complaint with the Texas Attorney Generals Office and taking legal action under the Fair Debt Collection Practices Act ( FDCPA ) for failure to comply with debt collection requirements.
Product: Credit reporting or other personal consumer reports

On XX/XX/, I received a copy of my consumers credit report via XXXX XXXX. While reviewing my report, Ive noticed a lot of inaccuracies including but not limited to addresses and misspelling of names. Ive reached out to Transunion to remove these inaccuracies and it was a failure to do so. Transunion, as a credit reporting received information for someone other than myself and reported this to my consumers report without my written consent. No consent is identity theft! 
15 USC 1681 ( a ) ( 4 ) states that consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality and respect for my rights to privacy. Transunion did not do that. 
Transunion is also committing Fraud by KNOWINGLY receiving information from someone other than myself for their benefits. 

The following information is what TRANSUNION has reported to my consumers report : XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX, MI XXXX The only name that I am verifying to be me with the correct spelling is : XXXX XXXX
Product: Credit card

In XXXX of 2015 I wrote to my card company about an ongoing problem which I had originally called about on four previous occassions. I had requested the no interest financing program, yet the company continued to assess finance charges. At the end of the fiancing period I wrote a check for the full amount, less interest and sent the check along with a letter to the president of the company. 

Since then I have not received a written response to my dispute letter and the company cashed my restictively endorsed check. Since then I have called three more times requesting a written response which I still am waiting for. 

I have stopped making payments on an existing program pending their response and resolution of my dispute. However, I have begun to receive collection calls and letters.
Product: Money transfer, virtual currency, or money service

To whom this might concern, My PayPal account is now permanently limited and I could not perform send or receive funds. 
On XX/XX/2022, at XXXX XXXX, I received an email from PayPal, with the title You can no longer do business with PayPal ( Ref ID - XXXX ) '' and there was no in-depth explanation why. 
In the email, it mentioned that " Specifically, the sale of items that infringe or violate any copyright, trademark, right of publicity or privacy, or any other proprietary right under the laws of any jurisdiction '' I am not a seller, I am currently a university student and never been a seller of anything in person or online. I had no idea why PayPal wrongfully flagged my account as a seller account and suspended me for such reason. 

XXXX, CFPB can help escalate this issue to PayPal, I really hope to get my accounts back and continue my relationship as a customer with PayPal Inc. 
I have been nothing but respectful toward the company and would really appreciate it if this issue can be resolved. 
I will attach the email I received from PayPal. 

I appreciate all the help and response I could get, thank you very much.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am a federally protected consumer and natural person, I am aware of all rights that I have under federal law, which are protecting me by The Congress under the Fair Credit Reporting Act ( FCRA ). As a consumer reporting agency you have violated my consumer rights to privacy and confidentiality under 15 USC 1681 by furnishing the following accounts to MY consumer report. 
1. Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation 2. Account Name : XXXX XXXX XXXX Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation 3. Account Name : XXXX XXXX XXXX, XXXX Account Number : XXXX 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. Delete this account immediately, unless you want to be held {$1000.00} per violation 4. Account Name : XXXX XXXX XXXX, XXXX Account Number : XXXX 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. Delete this account immediately, unless you want to be held {$1000.00} per violation
Product: Checking or savings account

The State of California ended its Employment Development Department contract with Bank of America. Accountholders were to receive their funds returned to them via a XXXX Debit Card, a paper check or an electronic deposit. BofA has REFUSED to return my funds to me. BofA has responded that they still have my funds and are not paying me interest for the funds. My name, mailing address and phone number have not changed, there is no reason for BofA to withhold my funds.
Product: Debt collection

I signed up for a cell phone plan with XXXX XXXX XXXX XXXX XXXX and the service was pre-paid. I did not like the plan and service, the actual usage advertised is not as it is. I pre-paid for the first month of service and not even used the service for the entire paid month and decided to switch to another carrier, and now XXXX XXXX/ THE CBE GROUP INC-FORMER placed a negative debit on my credit score for {$56.00} " Open balance '' which I do not have any open balance with them. I am a current Cable customer with them and was never able to use the so called " Unlimited access to XXXX XXXX out-of-home Wifi '' in addition the " Use XXXX Internet Wifi to save on your data '' is completely not true and false advertisement. I request that the note on my credit score is removed as soon as possible.
Product: Checking or savings account

I requested my personal checking statements from the company. I can not access them on the company 's online portal and they were never delivered to me any other way. I called the company 's helpline and they told me I needed to go into a branch to get them. Today I went in to a branch and was again told that they would not give me my statements. I also learned that they had been delivering my personal checking monthly statements to my mother and my brother without my permission for years. The company told me that they would not give me my statements but that I could request from them from my family members who had access to them even though I had not given them permission to have them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes regarding three accounts associated with my TransUnion thats just plain inaccurate. XXXX is XXXX XXXX XXXX, XXXX XXXX, and XXXX. I have spent my hard eanred money mailing in dispute after dispute with this company. I have been impacted by the negligence because I was not able to obtain credit becasue of those items. Please see attached letters regarding the deletion of these accounts
Product: Mortgage

Throughout XXXX and into XXXX I had experienced many difficult encounters with this company. I had setup bi-weekly payments and even called them to let them know and they assured me that I could do the bi-weekly plan I had planned. It wasn't until about XXXX months in that I noticed late pays and when I called them they said that the system didn't know so it appeared as if all my payments weren't applied correctly. They fixed it and assured me that they weren't negatively reporting me to the bureaus and that it wouldn't happen again. I had to do this every few months until last year, XX/XX/XXXX, when I had enough and refinanced my mortgage with XXXX. I had a pay off letter showing I was current on all payments, and I had even talked with NewRez prior to that refi to ensure that my payments were all applied appropriately. They told me that they had applied all payments correctly and that everything with the bureaus would be fine. Additionally, my refi went thru with XXXX no issues. 

Fast forward to XXXX and I'm in the process of looking for a new house and getting a pre-approval letter and low and behold NewRez is showing me having a missed payment in XXXX of XXXX. I promptly call the company to resolve this and I'm told there is nothing they can do and that if I wanted it resolved I would have to fax them a letter or mail them a letter. Yes, you read that correctly, in XXXX I'm required to fax something to a company who reported incorrect information on my bureau and they place the burden back on me to fix my report when THEY were the ones that messed it up in the first place. 

NewRez has not only tarnished my credit score, they are now preventing me from putting offers in on houses in a very competitive housing market. This is unacceptable and I demand an answer from this company.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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: Credit reporting or other personal consumer reports

Inquiry on my credit report XXXX inquiry date XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>