23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The process started roughly 9 months when the company Cardinal Financial started contacting me to begin refinance/consolidation loan. At that time me and my wife were going thru covid-19 protocol trying to complete loan modification process with our current company. We were more than transparent about our credit and loan status thru out each and every contact from Cardinal. They informed that once i have made just XXXX on time payments that they would approve consolidation loan. We e-signed to lock in our rates right away said XXXX XXXX they sent us numerous to- do list items and XXXX XXXX constantly pushed me to pay for a appraisal to be ordered. With that being said, how can he not have final answer from underwriters until days ago?? Swearing that was all that was needed for process to close by XX/XX/2022. XXXX called us everyday until last week when the appraisal person came which cost me XXXX. XXXX then called and said bluntly that his underwriters just looked at the paperwork and the deal is dead. Told me it is what it is and that's that. I asked to speak to his supervisor he said why? He is just going to tell you the same thing he had. This unprofessional person should not be in this position. He had weeks of credit checks and all of the above to reach this decision he never said that there would be any issues at all. Then he became aggressive and completely ignorant towards me after being nothing but nice. He obviously cant do his job properly and to this day his Supervisor XXXX hasn't called either. I warn anyone not to deal with this horrible company. All i want is my refund for appraisal cost of XXXX. Thank you.
Product: Money transfers

Still have n't received XXXX refunds to my debit card for {$5000.00} each back in XXXX 2015 my bank XXXX says they never received them after I contacted PayPal to get the tracking numbers and gave it to them they still could n't find them. I would like a cashiers check or official checked mailed to me to the address on file immediately or I 'm going to sue this company for XXXX in punitive damages and emotional distress!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to fix this with the company. 
I purchased this TV in XXXX of XXXX call them in XX/XX/XXXX and ask for a payoff and I pay the TV off. One year and a few months later when i had my Credit report was pulled as I was trying to purchase a house and Conns appeared saying that I was 3 months late I call them they told me what they did with the money that I paid them in XXXX they paid each month note until the money had run out and then they never contacted me and put my name in collections stating that I still owed them money Anyway after all the trying to repair this I pay them another {$900.00} to get this repaired so i could get my credit repair and they said it would take 30 to 60 days to remove it and here itbis a year and im still trying to get them to removed. Can I get help so i can go forward with buying my new house. 

Thanks
Product: Payday loan, title loan, or personal loan

The following debit appeared on my Paypal account. I did not authorized this payment and completed the proper form to Paypal to return the debit and credit my account. I was denied. There was no authorization by me to pay this debit. You will note that it was paid and actually took me over my credit limit. I do not know how to get an actual account number from Paypal. I sign into Paypal using my email address which is XXXX. 

XXXX XXXX XXXX, XXXX -negative $ XXXX XXXX, 2021 XXXX XXXX You reported a problem with this transaction. See the status of your case in the XXXX XXXX. 
Paid with PayPal XXXX {$49.00} XXXX XXXX XXXX XXXX, XXXX payments Transaction ID XXXX Seller info XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX Invoice ID XXXX Purchase details Premium Premium XXXX - XXXX {$49.00} Total {$49.00}
Product: Debt collection

I accrued medical bills from XXXX XXXX and XXXX XXXX system after an illness in XX/XX/XXXX and have been making monthly payments of between {$50.00}. and {$200.00}. per month to XXXX XXXX depending on how much I can afford each month.The original bill from XXXX was for {$1500.00} and my first bill was due in XX/XX/XXXX. I paid {$50.00}. in XX/XX/XXXX, {$100.00}. in XX/XX/XXXX, {$180.00} in XX/XX/XXXX, {$100.00}. in XX/XX/XXXX, and {$200.00}. in XX/XX/XXXX despite not receiving a bill in XX/XX/XXXX. My current balance is {$900.00}. and I expect it to be paid off by XX/XX/XXXX now that my other medical bill ( XXXX Healthcare system ) is paid in full. All bills were paid before due date. None were late! Today I received a letter from a collection agency for my unpaid balance affecting my credit. It would be another story if I were making minimal or late payments but that is not the case. This is n't right!
Product: Credit card or prepaid card

After Chase approved me for an XXXX card but then did a soft pull and closed my accounts. Because I have good credit, pay my bills on time and do not make them lots of money on interest ( only interchange fees ) I was a risk bc I use my good credit for the many perks all of the banks offer with their credit cards. I can not help that their cards are not worth spending money on, and that the perks of paying the annual fees are the only reason to keep a card open, short of their UR earning cards. I am not a risk, my husband earns enough to justify our spending, yet Chase closed all of my cards bc they felt we were a risk ( not profitable enough which is a shame ). The real problem here is that I am not profitable to them, as I do not pay interest in their scheme and am able to pay my bills on time. I want the opportunity to earn the XXXX bonus ( the fruit that they hang to the poor consumer that doesn't know any better ) or I want every annual fee refunded.
Product: Credit reporting or other personal consumer reports

To whom it may concern : According to the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681i ) and METRO 2 compliance standards, I challenge all inaccuracies and deficiencies of reporting. I require the permanent removal of any inaccuracies immediately! I also demand that you investigate the source of each account and ensure that each creditor has a permissible purpose for all inquiries within my credit profile.
Product: Payday loan, title loan, personal loan, or advance loan

The company has reported the amount of {$2500.00} was written off but I did not receive a form 1099-c from the company. It is still a negative remark on my report.
Product: Debt collection

I recently received a email letting me know my credit report changed when I checked I saw that there was a collection account in the amount of {$150.00} dollars. I never received any information vial phone call or mail about this collection. I have no knowledge of where this could have came from. I am also a victim to Identify theft and fraud alerts have been placed on my credit report.
Product: Checking or savings account

We opened an a total of XXXX accounts ( XXXX are subject of this complaint ) at Marcus by Goldman Sachs. We attempted an external transfer but it was denied and I was locked out of my account. After being locked out of the account and cycling through numerous customer service representatives, to include confirming authorization for all transfer attempts, we were told we could not do transfer externally due to account 90 day rules. However we were informed we could transfer money back to the original account the funds came from. I authorized that to occur and was assured by a security specialist that it would be ok. I then proceeded to authorize a transfer back to my confirmed, linked account. The next day my account was once again locked and I spoke to a representative who said I could not transfer any funds for 90 days. This directly contradicts the first guidance I was given. I need t transfer the money but Marcus keeps cycling me through different departments, giving me varied and contradictory instructions, and false assurances. I want my account unlocked, funds transferred back to the original accounts, and to close my accounts.
Product: Mortgage

My complaint is not about a lender. It is actually about the verbiage the CFPB created with regards to the FCRA. On page XXXX. The section about sharing a credit report with a consumer. FCRA says a lender can not share a credit report at all with a consumer unless an adverse action is taken by the lender. Problem this creates is that the lender needs multiple things addressed up front that appear on the credit report. This leaves the only method of communicating to ask the borrower to explain late payments, a list of inquiries and a list of addresses as verbal only. Many borrowers just ask to have the list of requirements of explanations to be emailed to them so they can review them and explain them. But the FCRA prohibits this. This is not consumer centric or friendly at all. Is there something in the FCRA that allows a lender to openly communicate in writing with the borrower about these items? Not looking to give the borrower a copy of the credit report but can cutting and pasting or retyping the areas of concern from the credit report be permissible. I only read what I saw on page XXXX with regards to this topic. I have been in the industry for 35 years and with my current employer ( lender ) for 22 years. I am confident while my employer follows the letter of the law other smaller lenders are sharing parts of the credit report with the borrowers with no issues. So my question is what can we do other than just try and communicate this verbally with borrowers.
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. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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. 

I need this item removed from my credit report immediately or further legal action will be taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent all 3 credit bureaus My FTC REPORT, I.D, SS, And utility bill as well as a cover letter explaining the unauthorized inquiries and fraudulent account that are reporting to all 3 credit bureaus. They still have not removed these accounts on my report. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handeling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately they informed me that recovering lost funds was impossible and that tracking these transactions wasnt able to happen
Product: Credit reporting or other personal consumer reports

On XX/XX/year> TransUnion refused to give me a free score and report when I was due one. So I was charged 2 times fraudulently as I tried to order the score and report and they refused to give it to me. When I called on the phone they hung up on me. I attempted to purchase my credit score from TransUnion from their official website and paid the required fees but was not provided access even after making the payment as promised. I encountered issues where they refused to provide me with the free score I paid for 2 times in a row. Despite the attempts to access the score they never provided a resolution and never provided access online to the score and report I paid for
Product: Mortgage

I'm requesting another 3 months forbearance. I have requested online on the phone and UWM says they will send decision in the mail I have yet to receive any response. 

I also messaged them on the online messages and they have yet to respond.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block , Inc. ) due to inadequate customer service and unfair practices which XXXX  again the Consumer Financial Protection Act ( CFPA ). Specifically, cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Checking or savings account

Since I joined XXXX XXXX I have been being charged overdraft or insufficient fund fees back in 2018. After looking back at my accounts with one of the representatives, I noticed that even if funds were available at the time, XXXX XXXX would still charge me an insufficient fund fee and than would charge me a fee a 2nd time less than XXXX hours later. After I attempted to ask the representative to explain to me why the fees are being charged in the first place, all I would receive from them in return is " when you signed up for your account this was all explained. '' When I asked about the lawsuit and how this is the same exact circumstances, the representative told me that I can report it if I choose to.
Product: Credit reporting or other personal consumer reports

I have never given consent or permission to report or share any information about me. Under the Gramm-Leach-Biley Act ( 15 USC 6801-6802 ), I have not signed any consent form allowing my information to be disclosed to non-affiliated third parties, electronically or in writing. There is no legal proof supporting the accuracy of these marks, and they have not been properly verified. 

There is no legally admissible evidence to verify the accuracy of what XXXX XXXX XXXX :. This company is reporting {$2100.00} on my Equifax credit file, which is frivolous, and the company have not validated pursuant to the requirements of the FCRA. I am complaining about the impermissible access of my credit report by XXXX XXXX XXXX, in direct violation of the FCRA. I have discovered that the XXXX XXXX XXXX  fraudulent account. I need proof of a wet signature of an application w/ XXXX XXXX XXXX and proof this is a credit transaction ; the agency is in violation of federal laws, and I will go legal if this isnt removed. My consumer rights are being violated. XXXX XXXX XXXX accessed my credit report without my authorization or a permissible purpose as outlined under 15 U.S.C. 1681b, which regulates the legal purposes for which consumer reports can be obtained. I have been in contact with agencies via writing and have evidence on hand, expressing this does not belong to me and I am being ignored. 
Equifax has failed to fulfill its obligations under FCRA. To date, the fraudulent account and remain on my credit report. XXXX XXXX XXXX  accessed my credit report without my consent or any permissible purpose. I did not initiate any business transaction or credit application that would justify this access. This is a clear violation of the FCRAs permissible purpose requirement. The derogatory marks and fraudulent accounts that Equifax has allowed to remain on my credit report are negatively impacting my financial well-being, causing harm to my credit score, and affecting my ability to obtain new credit or other financial opportunities.
Product: Money transfer, virtual currency, or money service

This is a complaint against Early Warning Services ( Zelle ). I have a bank account with XXXX and I wanted to reduce the maximum amount that can be sent via Zelle so as to minimize potential fraud for my XXXX XXXX XXXX mother 's account ( I also am POA, and joint owner ). XXXX indicated that it is " impossible '' to lower this amount, per Zelle. However, they acknowledged that every account/user ID can have a different limit that is set by some unknown AI process. They also admitted that it could be as low as {$500.00}, which is what I wanted. XXXX repeatedly claim that THEY have nothing to do with XXXX, and have no influence over their process/procedures even though they are a co-owner with 6 other banks. They " pretend '' Zelle is just some product that they happen to use, which is a lie. XXXX  is not adequately allowing consumers the ability to protect themselves/limit their fraud exposure by not allowing a consumer to reduce the maximum amount of a transfer. XXXX and the 6 other owners could immediately have XXXX  implement this change, but they refuse to do so putting consumers at unnecessary fraud risk.
Product: Debt collection

Ally bank continues to call my cell phone, after numerous requests to stop, asking for someone that is not me or anyone in my household. In order to find out exactly who they are, because they only provide their first name, I find out they are from Ally bank. They call at XXXX at night and throughout the day. I 've asked several times for them to stop calling my number. I get, " we will put this in your record. '' How do I have a record at Ally bank? I do not bank with Ally bank. I have never banked with Ally bank. I do not have loans or debt that I am responsible for with Ally bank..
Product: Credit reporting or other personal consumer reports

The following inquiries were done without my consent. 
I am an XXXX  military member, and requesting that this information gets updated. 
Below are the unauthorised inquiries. Have contacted these creditors and they not have any record of these inquiries in their system with these dates. 

XX/XX/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
Product: Debt collection

XX/XX/year> i contacted transworld systems inc. in attempt to collect more information on a debt that showed up on my XXXX XXXX. When i was connected with a rep they said in order for me to obtain information about the debt i owe i have to pay 1 . This is the same thing XXXX XXXX XXXX, that i recently made a seperate complaint about, tried to do. But i know according to cfpb the information should be free to my disposal. I would like this account resolved asap.
Product: Mortgage

XXXX XXXX XXXX XXXX, through its counsel, XXXX and XXXX, is illegally foreclosing on my home. The deed of trust was not properly notarized because my ex husband did not sign it in the presence of a notary and his signature was not acknowledged. See Murray v. Wells Fargo Home Mortgage, 953 And 308, 318 The notary acknowledged himself and not the borrower. The document is dated XX/XX/2006 but was signed on XX/XX/2006. The document was signed at XXXX XXXX XXXX XXXX in Washington DC. It is notarized by a Maryland notary who was not present. 
The settlement was scheduled for XX/XX/2006 but the documents were brought to the XXXX XXXX address on XX/XX/2006 by two women and Mr. XXXX signed them while under the influence of alcohol. There is a stamp stating XX/XX/2006 in the lower right corner. 
Mr. XXXX was not in Maryland on XX/XX/2006 nor on XX/XX/2006. 
There is title insurance which was originally with XXXX XXXX XXXX XXXX XXXX which was bought by XXXX XXXX XXXX XXXX XXXX. I have begun the claim process with them. 
Wilmington Savings Fund Society chooses to illegally foreclose rather than to resort to lawful methods.
Product: Credit card or prepaid card

We have had a Superfleet/Fleetcor fuel card account for years and have been paying an additional " Fraud Protector '' fee every month. Beginning with our XX/XX/2020 invoice, we noticed suspicious transactions on the invoices. We were not alerted to these, even though they were for large amounts, out of state, had fake odometer readings, and/or were multiple purchases in a row at the same location. Part of our " Fraud Protector '' fee is to be alerted immediately for any suspicious activity. We had to wait until we received the invoices and reviewed them to find the transactions ourselves. The transactions are blatantly and obviously fraudulent. We immediately shut off the cards involved, PINs, and spoke with the employee. Our employee stated that he received a text from who he thought was a supervisor with the company for his PIN. The employee sent it to him, not realizing it was a scam. We pulled all of the fraudulent transactions, totaled them, and began the dispute process. The fraudulent transactions totaled {$33000.00}. ALL of the disputes were denied, as Fleetcor said that " they could not prove a pattern of suspicious activity '' or that our employee shared his PIN number, etc. Fleetcor is demanding that we pay the {$33000.00}. The " Fraud Protector '' program is a complete scam for them to make more money through fees, since they won't actually reverse or handle any ACTUAL fraud that hits the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX, I discovered that my credit card has been fraudulently used and taken, so I reported to XXXX  and that I had never used this credit card since XX/XX/XXXX, and the person who used my card was making payments on time. However, the credit card was maxed out to the limit, I found out when i tried to get a loan and was informed that i had my XXXX card maxed out, however with no lates, just that it was a debt ratio ( high ).  XXXX then issued a new card, but I'm still seeing that neither the credit bureaus nor discover seem to do anything about it or remove that from my credit. I do have a police report that I submitted to XXXX  investigation dept, and up to present nothing been done. I just want my credit profile back, please assist
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XX/XX/XXXX XXXX BANK NA XX/XX/XXXX -XX/XX/XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXXXX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : -XX/XX/XXXX Account # :XX/XX/XXXX**** - XX/XX/XXXX Account # XXXX - XX/XX/XXXXAccount # XXXX - XX/XX/XXXX Account # XXXX - XX/XX/XXXX Account # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM HAVING A SERIOUS ISSUE GETTING SOME ACCOUNTS REMOVED OFF OF MY CREDIT. I HAVE SENT 5 DISPUTES TO XXXX, EQUIFAX AND XXXX. I CAN NOT SEEM TO GET THEM TO DELETE THESE LAST FEW FRAUDULENT ACCOUNTS.