23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have not been able to access the " reconsideration '' department for the Paypal Extras Mastercard, as Paypal has automated the process. 
I am trying to get rid of all connections to traditional banks, and move all of my financial products online. I really liked the way the Paypal Extras Mastercard was set up, and applied for it. Paypal 's automated system declined me for any amount, which I feel was unjustified so I attempted to reach a " real life '' credit analyst so I could review the application with them. Paypal did not have any way of reaching this person through traditional means, therefore I attempting to use the CFPB to have Paypal 's Executive Team look at my account and reconsider the card. I have XXXX accounts with Paypal : My business ( XXXXXXXXXXXX ) and personal ( XXXXXXXXXXXX ) I have a Paypal Credit account tied to my personal account that has been in good standing and paid off on time every month. I also have a XXXX Credit Card and XXXX credit card that have been paid on time each month. I had some issues with my student loans a little while back, however I created a settlement two years ago, and have been paying them faithfully on time each month for the past two years, and any " human '' analyst would be able to see that all past issues have been fully resolved. I am looking to transition from my XXXX XXXX XXXX, to the Paypal Extras Mastercard because I want to get rid of all traditional banking and only use " online banks '' as I trust their technology more than I trust the big banks. I was hoping to get approved for {$3000.00} as that would allow me to be able to spend for my everyday expenses of about {$1000.00} per month, as well as have {$2000.00} for any emergencies that may come up. I have a salary of {$43000.00}, which is more than enough to ensure that I will pay off my balances each month. I ask Paypal to review my XXXX Credit history to see that I have continuously paid you back on time, and will continue to do so. Please re-review my application, and change my status to approved, so I can continue to use Paypal 's awesome banking servicesAccount ID : XXXXXXXXXXXX
Product: Credit card or prepaid card

Why did I received the below e-mail from Bank of America From XXXX Bank of America XXXX Subject : You have a new bill from Bank of America Credit Card To : XXXX Reply To : Bank of America XXXX E-mail noted " You have a new E-bill from Bank of America Credit Card. 

I HAVE NOT SIGNED UP FOR ON LINE E-BILL OR ON LINE BILLING. 

AGAIN, WHY DID YOU SEND THIS E-MAIL TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past 2 years I have sent several certified letters trying to get XXXX to correct the errors from a company called " Barclay Bank '' they are showing as a collection. As well as a company called XXXX XXXX showing the same. one shows I have a high limit of XXXX and Barclays shows XXXX credit limit. As well as NO records of my one time payments! They have NO dates reporting for either of these companies. ALL my bills show I am an exceptional payment and these XXXX companies are significantly damaging my credit by not fixing these errors!!! And after at least XXXX certified letters over the past 2 years of giving them information to correct and they still don't update!!! I want these both removed asap or I will now take this to lawsuit. It is too much now all these years.
Product: Credit reporting 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. 

Account name XXXX XXXX XXXX. and number XXXX Account name : XXXX XXXX and number XXXX 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: Credit reporting or other personal consumer reports

XX/XX/year> payment of {$750.00} and never receive any update on my credit. Still dont have any disputes on my credit score. Lexington law
Product: Mortgage

My father passed away and left me the home. I kept paying the mortgage and everything was going well. I fell behind on the mortgage XXXX, XXXX. Since then, I have been attempting to get the loan into my name and the mortgage modified. I could not get anywhere with XXXX so I hired a law firm XX/XX/XXXX. Since then my law office has collected multiple documents from me. I have been told that I have sent in the wrong application 4 times. I have sent in 5 applications and many supporting documents. My review keeps getting closed out and my lender is not advising counsel of my attempts to bring the loan current and telling their counsel I am not trying to save the home. This time I called on XX/XX/XXXX and I was told I needed to send a profit and loss, tax returns and a letter of explanation. The profit and loss and letter of explanation were sent on XX/XX/XXXX, the taxes sent on XX/XX/XXXX. Today, XX/XX/XXXX I called to check loss mitigation status and I was told the review closed out yesterday. I inquired as to why and I was told the letter does not say and so she doesn't know. Also, today the lender 's attorney sent an email that states " I do not see our office or our client have received any documents to review the loan for Loss Mit '' This is completely false as I have been attempted to be reviewed for over 2 years. I am unable to get a single point of contact to make sure all documents are in. Every time my review gets closed out I speak to a supervisor who says they will fix it however this keeps happening. I am now at risk of paying out of pocket for mediation, which I do not trust will be successful. If the lender 's loss mitigation department would review mediation would not be necessary. I would really like the servicing of this loan to be investigated as I do not feel that I am being treated fairly. My loan is XXXX XXXX  and I know there are programs to help me. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3. You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. I never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report. I can give you the CFPB report number.I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3. You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. I never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report and correct all history and addresses DELETE XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CORRECT and verify Payment history XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UPDATE XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX ( only address ) XXXX
Product: Credit card

Citi Bank is refusing to refund the {$400.00} I was changed for a wedding day planner that stopped answering me a month before our wedding date. I provided the contract and line of communication with the vendor to City and they are still saying that it is not enough info to refund me my money. 

I started a dispute with Citi and even though they have other client complaining about this same vendor they are refusing to do anything and are saying I am liable for the payment.
Product: Mortgage

Tue, XX/XX/XXXX, XXXX XXXX to XXXX I need two things from you before we get rolling. In writing-no seasoning requirements needed and no current lease. If Cardinal is good with that then I will get moving on signing everything and getting documents to you. 

Thank you sir XXXX XXXX XXXX Tue, XX/XX/XXXX, XXXX XXXX to me Yes sir so we got the approve eligible when we ran it through the XXXX XXXX so seasoning isnt an issue or it wouldnt of given us a yes as well as no lease is required because you have enough income to own the home just to keep it empty if you wanted to haha but if you have 10 mins right now Ill call so we can get this thing locked in and you dont have to worry about the rate changing tomorrow XXXX XXXX | Loan Originator Inside Sales Cardinal Financial Company , Limited Partnership | NMLS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX : ( XXXX ) XXXX | XXXX XXXX I received a call stating there are seasoning requirements. They have {$600.00} of my money, not performed what they stated they would and have not returned my calls. Next step is small claims.
Product: Vehicle loan or lease

XXXX refuses to apply my additional payments to principle. 

They do not have an automated payment processing to put money towards principle, I must call every month to apply the additional payment amount to principle. 

Since XX/XX/2020, I've paid thousands of dollars over my regular payment amount in an attempt to apply those funds towards the principle. 

For the last six months I've been requesting XXXX to apply these credits. I've worked with multiple managers and many representatives and they all say it's been applied and takes a few days to be processed. After a few days check online, still hasn't been applied. I call in, and they say they ave applied it this time just to find out again XXXX days later that the credited funds have still not been applied. 

I've expressed this problems to the managers multiple times, nothing has been done. 

There is a serious problem of information asymmetry, where the consumer has little to no information about their account, but the company can see all of these supports cases and details. 

I've requested an email confirmation about these payments being processed, and XXXX refuses to provide me with any type of confirmation about me calling in and them handling an issue. They give me a case number, but I don't have anything on my end to assert that we've had this conversation and they insisted it has properly been applied. 

I consider this fraudulent. They are holding my money and not allowing my to apply it to my principle, they mislead me every time I attempt to resolve the issue, then refuse to give me any confirmation on my side that I talked to them about this issue ( many many times ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Chapter XXXX that appears on XXXX  and Equifax. It does not appear on XXXX. I have sent several letters requesting that this be removed. They both have advised me that my Bankruptcy was verified with a ( third party agency named ( XXXX XXXX ) it was not verified with the courts. I have a letter from the U.S Bankruptcy courts in XXXX, IL confirming that they did not verify my Bankruptcy with any Credit Reporting Agencies.
Product: Credit card or prepaid card

I tried to send them a letter last XXXX asking for a copy of a signed contract bearing my signature, a copy of the payment statements of this account from which COMENITY BANK/XXXX  is reporting to the credit reporting agency. I am asking for proof that I was late on payment because they are reporting erroneous inconsistent account information. Tracking number : XXXX I never received any response from them and they did not update the credit report as disputed. 

COMENITY BANK/XXXX  is violating the FCRA for reporting this account with inconsistent and inaccurate information that I disputed which they then did not update to the credit reporting agencies as " disputed '' and continues to report inconsistent account information which is in direct violation of the FCRA.
Product: Debt collection

I have a retail installment contract in place with Roadrunner Financial. This contract is in violation of 15 USC 1602 ( h ) ( i ) ( l ), 15 USC 1693 ( l ), 15 USC 1662 ( b ) & 15 USC 1635 ( a ).

2. Due to the retail installment contract that Roadrunner Financial and I have in place being a credit sale. This puts Roadrunner Financial in violation of 15 USC 1602 ( h ) since they are not the original seller of the vehicle. Pursuant to 15 USC 1602 ( l ), this would imply that the debt for our XXXX XXXX XXXX XXXX XXXX is paid for, and the original seller XXXX XXXX XXXX , from which I purchased the vehicle, employed Roadrunner Financial to make it my duty as a consumer to pay independent of their duty to fulfill their obligations within our contract. As a result, this puts Roadrunner Financial in violation of 15 USC 1602 ( i ). 

3. Roadrunner Financial is also in violation of 15 USC 1662 ( b ) by advertising that a specified down payment is required. On page one of the installment contract under the section titled sales agreement, subsection Down Payment states ; You also agree to pay or apply to the cash price, on or before the date of this contract, any cash, rebate, and net trade-in value described in the itemization of the amount financed. On page 2, under Itemization of Amount Financed on line g titled cash payment, the amount shows {$XXXX}. 

4. Pursuant to 15 USC 1635 ( a ), The creditor shall clearly and conspicuously disclose, in accordance with regulations of the Board, to any obligor in a transaction subject to this section the rights of the obligor under this section. The creditor shall also provide, in accordance with regulations of the Board, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section. Per the contract between Roadrunner Financial and us, there is no clear and concise verbiage for the consumers right to rescind. 

5. As a result of the violation of these Federal Regulation Codes, without further ado, Roadrunner Financial is ordered to return all expenses paid, including all fees, back to us via check or direct deposit and sign the title of the XXXX  XXXX XXXX XXXX over to me, XXXX XXXX XXXX 

6. As to the Arbitration and Provisions section in the Roadrunner Financial and our assigned contract, 15 USC 1693 ( l ) was violated. Furthermore, if Roadrunner Financial does not comply with this order, I will be forced to take legal action against them by filing motions with the appropriate federal and state regulatory bodies for violation of the Truth in Lending Act 15 USC 1602 ( h ) ( i ) ( l ), 15 USC 1693 ( l ) & 15 USC 1662 ( b ).
Product: Credit reporting or other personal consumer reports

Requested free credit report from Equifax using the mail in form XXXX times ( XXXX ; XXXX ; XXXX ) No response
Product: Credit reporting or other personal consumer reports

Someone has attempted to fraudulently use my social security number open credit card accounts without my knowledge or consent. I kindly request that all credit bureaus take immediate action to remove all inquiries associated with these fraudulent attempts. All XXXX credit bureaus- please scroll and look for your company 's inquiries. 

XXXX -- -- -- -- - XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX TRANSUNION -- -- -- -- - XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX  ( XXXX XXXX XXXXXX/XX/XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX  ( XXXX ) XX/XX/XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I was awarded my families home in my divorce, that was finalized in XXXX in lieu of that i became sole owner of the property and everything else with it as of XX/XX/XXXX. At that point in XXXX I gathered all information my ex husband was required to give me about the mortgage. I began making calls and learned he hadn't made any payments since XX/XX/XXXX and that the ONLY option I had was to apply for a loan modification to prove financial hardship had happened. I submitted my full application in XXXX because I was waiting for proof of the quit claim deed. I communicated multiple times a day and week with various workers at selene finance. They are all recorded conversations that can be corroborated with what I'm saying. After telling us every week that we were all set and we would get answer in that week sometimes. We reached out to the law firm to see if anything additional actions could be done we were assured that we had plenty of time before the sale date. The week the house was sold we were told too bad and that nothing could be done. We went to the county clerks office to see if there was anything more we could do. Then we were asked why we waited so long because I was " served '' back in XX/XX/XXXX. Come to find out the process server met with my ex-husbands mother who impersonated me so therefore all of my mail was going to his address. Anything pertaining to the house or me was going to his address at his moms. An address i never ever lived at, ,even though the mortgage company had my correct address. But some how he was the only one receiving information. Then we were given papers that say I stated I lived with my ex husband. Meanwhile we were going through divorce proceedings that entire year. He lied underoath stating he never received any information whatsoever about the house when he was that entire year. I have documents to prove due diligence was never conducted, failure to serve took place, we attempted to call the refree we never knew existed, we never received any call backs about us finding out my identity was falsely used and my house was sold still. We need help figuring out how to get justice and or how to legally reobtain my home and now I'm receiving bills from that home. Deficiency amounts and a mortgage bill from slelene finance. We tried gaining legal aid but im told its a conflict of interest and that he more than likely was using similar services or had inquired about it. He also is a deputy sheriff so we don't know if that has any significance either.
Product: Checking or savings account

My phone was stolen someone stole {$970.00} from me using an app on my phone, i tried to dispute with my bank but my claim was denied. I provided them with a police report as well.
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. 
XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX, 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
Product: Credit reporting, credit repair services, or other personal consumer reports

We applied for auto insurance with XXXX XXXX. We were rejected and they sent us a letter explaining why and we see it has information that is not correct regarding one of our sons. There are 2 entries stating the same information unknown date, violation suspended license or other serious violation. We were on the phone with lexisnexis, XXXX - ID number XXXX. For over 2 hours. He could not find the violations being reported back to our current insurance or the XXXX. He said he can't fix it because he can't find it in the DMV file or credit report. He can not get us a supervisor manager or anyone. They refuse to fix send false information to agencies.
Product: Credit card or prepaid card

On or about XX/XX/2022 I purchased groceries from XXXX for {$74.00}. The groceries were not temperature controlled and damaged as a result upon delivery. I first went to the Chase website to dispute the charge, but rather than allow me to file the dispute in writing via their website, they forced me to contacted Chase by telephone to dispute the charge, resulting in an onerous, 27-minute phone call.

They refused to charge back the total to the merchant and unreasonably required me to enumerate each and every item in my grocery order to do so. 

As a result of Chase 's chronic failures to make disputes reasonably practical, I will continue to avoid using their credit cards.
Product: Credit reporting or other personal consumer reports

Pursuant to Consumer Protection for XXXX  Debt Collections Act, XXXX  account XXXX was placed by XXXX XXXX XXXX a medical provider disclosing medical information to third party in violation of XXXX laws as well must be removed from my credit file no notification was given. And is considered identity theft because it was released without my consent. Demand is given to remove from credit file and attorney general report will be filed
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am a victim of identity theft and fraud. TRANSUNION IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY XXXX ATTEMPT WRITING TRANSUNION ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.