23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am a victim of identity fraud and I have inquries on report did not come from me XXXX ( XXXX ) CompanyDate of inquiryAddressPhone number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX po box XXXX XXXX , OR XXXX XXXX  XXXX XXXX  XXXX XXXX, VA XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX , MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , DE XXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , UT XXXX XXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX , OR XXXX XXXX  XXXX XXXX  XXXX XXXX, VA XXXX XXXX  XXXX XXXX  XXXX XXXX , VA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Mortgage

I currently have a jumbo 30 year fixed mortgage with JP Morgan Chase. As part of CHase 's Home Lending Retention Program, where JP Morgan was evaluating my loan for a refinance, I was asked to pay a deposit/good faith funds of {$500.00} on XX/XX/XXXX. JP Morgan granted me an automatic rate cut, which ended the refinance process. However, they did not refund my {$500.00}. On XX/XX/XXXX, I received a check for {$500.00} and a letter notifying me that they did not return the funds appropriately. However, the check did not include any type of compensation for the fact that I could have used that {$500.00} during the year they held my funds ( or from the period they should have returned it to me to XX/XX/XXXX ) to earn interest in the stock market, CD, or other investment bearing asset. JP Morgan was earning interest on my funds, but did not return that in the refund check they issued.
Product: Money transfer, virtual currency, or money service

I am falling a complaint against cashew block due to the inaccuracy customer service and unfair practice which violated the customer financial protection act cfpa specifically cash that failed to take time and effect message to prevent the address fraud from their platform leaving my account vulnerable protecting furthermore their pre-solution process was unfair and deceptive they did not comply with error resolved requirement under the electric fan transfer app efta and regulations eat these actions have caused significant I see appropriate compensation
Product: Credit card

I FOUND OUT XXXX MONTHS AGO I HAD A BALANCE OF XXXX XXXX ... I CALL THE COMPANY AND TRY TO WORK IT OUT WITH THEM INREGARDS TO THE INTEREST THEY CHARGE ME... I TOLD THEM I HAD NO PROBLEM PAYING FOR WHAT I PURCHASED BUT NOT PAYING FOR ALL THE INTEREST THEY CHARGE ME WHEN I NEVER RECIEVED A STATEMENT FROM THEM FOR THE PAST YEAR. A PERSON Can't PAY FOR SOMETHING YOU DONT GET A BILL FOR AND DONT KNOW ABOUT ... I ASK THEM TO HAVE SOMEONE CALL ME THAT COULD REMOVE ALL THE OTHER CHARGES THEY PUT ON MY ACCCOUNT.THEY DID NOT, I CALL BUT COULD NEVER GET SOMEONE TO WORK WITH ME ON THE EXTRA MONEY THEY ADDED TO MY ACCOUNT.ALL I WANTED TO DO IS PAY FOR WHAT I PURCHASE .IF THEY JUST REMOVE ALL THE OTHER CHARGES I WILL WRITE A CHECK FOR WHAT I PURCHASE. 

THANK YOU
Product: Mortgage

I have damage to my roof and my insurer has paid a claim by check. The check was made payable to Ditech and me, individually. Ditech required me to endorse the check to them and send it to them. They then took 4 weeks to return a check to me. The check they sent to me was payable to my roofer and me. My bank will not let me deposit the check unless the president of the company, who endorsed the check for the roofer, is present. 

I've asked for a new check to be sent payable to me individually since I've already paid the roofer. Ditech will not do that.
Product: Vehicle loan or lease

My husband XXXX XXXX and I ( XXXX XXXX ) purchased a new car from Action Hyundai XXXX NJ in XX/XX/XXXX We took out a {$1000.00} loan on the car and paid the rest in cash. We only took the loan because they gave us a {$1000.00} rebate on the car for taking out a loan. We paid the loan off in XX/XX/XXXX. It is now XX/XX/XXXX and we do not have title for our car. I have contacted them numerous times. They said they sent the title to us in XX/XX/XXXX but we never received it. They said they sent the title to XXXX XXXX XXXX XXXX ( XXXX XXXX was left off the address ) which is why I think we didn't get it assuming that they did send it. They refuse to get us a replacment title. When you pay your car off, you expect to get the title. They did send a letter saying we paid off the loan. The address should have been complete on the title so unsure why they left a key part of our address off the mailing address when they mailed it. 

The car was financed through Hyundai Motor Finance. I see numerous complaints on the internet about customers can't get their titles. 

Beware of financing through Hyundai Motor Finance.
Product: Debt collection

First and foremost I did not do business with XXXX XXXX XXXX, nor XXXX XXXX XXXX XXXX XXXX and nor Frontline Assets Strategies LLC. They are trying to collect a debt for XXXX. Which I have no idea what the debt is for. Their email is very vague. They need to stop emailing.
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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 then records of convictions of crimes which antedates the report by more then 7 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: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and/or view my credit report. Please validate this information with these companies and provide me with copies o f any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number .While checking my most recent credit report, I noticed credit inquiries that I did not authorize, credit check made by the following companies : .1 XXXX XXXX XXXX XX/XX/XXXX 2 XXXX XXXX - XX/XX/XXXX 3 XXXX XX/XX/XXXX 4 XXXXXXXX XXXX  - XX/XX/XXXX 5 XXXX - XX/XX/XXXX 6 XXXX - XX/XX/XXXX 7  XXXX  XXXX XXXX XX/XX/XXXX 8 XXXX - XX/XX/XXXX 9 XXXX - XX/XX/XXXX 10 XXXX - XX/XX/XXXX 11 XXXX - XX/XX/XXXX 12 XXXX XXXX XX/XX/XXXX 13 XXXX XXXX - XX/XX/XXXX 14 XXXX - XX/XX/XXXX 15 XXXX - XX/XX/XXXX 16 XXXX XXXX XX/XX/XXXX 17 XXXX - XX/XX/XXXX 18 XXXX - XX/XX/XXXX 19 XXXX XXXX XX/XX/XXXX 20 XXXX XXXX XX/XX/XXXX 21 XXXX XX/XX/XXXX 22 XXXX XXXX XX/XX/XXXX 23 XXXX XXXX XX/XX/XXXX 24 XXXX XX/XX/XXXX 25 XXXX  XX/XX/XXXX 26 XXXX XXXX XX/XX/XXXX 27 XXXX XX/XX/XXXX 28 XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX 30 XXXX - XX/XX/XXXX 31 XXXX XXXX XX/XX/XXXX 32 XXXX XXXX XXXX XX/XX/XXXX 33 XXXX XX/XX/XXXX XXXX4 XXXX - XX/XX/XXXX 35 XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Please remove it from my credit report XXXX 

The following inquiry is more than two years old and I would like it removed XXXX XXXX XXXXXXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The account below as violated my federally protected consumer rights to privacy and confidentiality under USC 1681 Account name : XXXX XXXX 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 a writing 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 antedate the report for XXXXXXXX XXXX 

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer agency if the person knows or has any reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I notified TransUnion several times that inquiries from XXXXXXXX XXXXXXXX  and XXXX were not made by me. They did not investigate properly nor have they removed the inquiries from my report. I filed a complaint with you and FTC in XX/XX/XXXX. XXXXXXXX XXXX actually took the time to investigate and they determined that I was NOT responsible for the account created fraudulently. They have deleted the account and inquiry from TransUnion twice! However, TransUnion insist that they havent received any request from them. 
( I attached the letter from XXXX below ) XXXX- they responded to complaint : XXXX. That I applied for credit and I absolutely did not. The letter provided was not proof that I submitted an application with XXXX or XXXX. To make matters worse, I received another denial letter dated XX/XX/XXXX as if I applied for credit with them yet again!! The notice will be attached below. At this time, I feel like Im being harassed by XXXX. I have not and will not ever apply for credit with them! Directly or indirectly. 
Lastly, the inquiry dated XX/XX/XXXX w/Santander has not been removed. Its been over two years.
Product: Checking or savings account

Hello, {$7900.00} was withdrawn from my bank account to an unknown source through XXXX XXXX which I signed out of in 2018 and haven't used since. I do not trade Bitcoin or know anything about cryptocurrencies for that matter. I wouldn't begin purchasing hundreds of hard earned money to send away to some unknown Bitcoin ID. The only thing I used XXXX XXXX for was buying meals back in 2018. It is blatantly obvious that the fraud has occurred through XXXX XXXX to some nefarious Bitcoin account which I have no knowledge of since I have never dealt with Bitcoin. To suddenly see my bank account drained of all my earnings and savings is devastating. The bank believes it's a XXXX XXXX issue and XXXX XXXX is not offering me any assistance whatsoever. Please offer me assistance as to whom I should contact. There is a high sense of urgency as I need to recover my money. I really need help with this. I am at a road block with the bank and with XXXX XXXX. I realize my rights under regulation E and federal law protection. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have contacted Equifax XXXX for the past few weeks and I have provided them with FTC reports, letters and provided my identity as they requested and They will not remove these inquiries. I need these removed ASAP! I did not authorize ANY of these! 

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: Credit reporting or other personal consumer reports

I have filed form XXXX with the irs.gov. The perpetrator ( s ) filed IRS tax return using my SSN which has damaged me furthermore the perpetrator ( s ) have obtained from the Data Breach my personal information which has resulted in negative credit accounts and fraudulent inquiries of which ALL must be deleted immediately without delay on Experian, XXXX and XXXX. Pursuant to Title 15 USC 1692G 1692K et seq FCRA 605B ( 15 U.S.C. 1681c-2 ) Tax Fraud Reporting Inquiry and Data Breach Reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

This bank is treating me horribly discrimaiting me I feel they dont value me or my business they recently closed my account due to inactivity I was sick and in the hospital now I went to their branch to try to open an account they refused told me Im a bad customer wont open any accounts for me I requested a personal checking and business they said no without even seeing why I dont qualify they wouldnt give me any information I was treated horribly at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Mortgage

We closed our mortgage wit h First Direct Lending o n  XXXX   XXXX ,    2017. The clos ing costs were {$800.00} more than we were told. We were told that day verbally we would get a check or direct deposit into our checking account. Then we were told in emails. We have not gotten  it. ( See Attachment A -  G. ) It has been very disturbing with all the excuses and time that we have gone through. Attached are those promises circled in red. We have made several calls and have written all the officers of the company and have not gotten any replies exc ept one which said we would be contacted within 24 h ours.   That was 2 months ago.     This process has time and energy draining as well as exhausting.   Thank you for your help.   Yours truly,  XXXX
Product: Debt collection

I am a victim of identity theft. The tradeline, which appears on my credit report from I.C. SYSTEM, INC/XXXX XXXX last reported XX/XX/XXXX in the amount of {$160.00} does not relate to any transaction ( s ) credit account I have ever had. It is the result of identity theft. I received a copy of my credit reports and discovered this trade line on my credit report. I did not authorize this account or transaction. I did not apply for any credit with this company and have no existing accounts with XXXX XXXX. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. I have contacted both I.C. SYSTEM, INC/XXXX XXXX individually and have not received any reply back
Product: Mortgage

In case # XXXX on XXXX/XXXX/2016, Wells Fargo stated they would have the account canceled in 2-3 weeks. They have not canceled the account as of XX/XX/XXXX and are unwilling to provide a date for when this will be resolved and have stated they will continue to send me bills demanding money for a loan they never funded, was canceled, and are aware was canceled. 

At this time, they 've violated the Right to Cancel time frame and their previous written understanding based on the previous complaint. They have been told I 'll only respond to things in writing as they have to refused to provide me with any information I can verify independently over the phone. 

Similarly, based on my call to XXXX, their statements that they are speaking with them to " resolve '' the issue appears to be incorrect as I was told there was no cancellation process underway by XXXX and the " contact name '' they gave me does not return my attempts to contact him. 

& gt ; The account was noted on XXXX XXXX, 2016, that the cancellation request had been received. We confirmed that the account cancellation is being processed and that can take two to three weeks. Once the account is cancelled that information will be forwarded to the county to have the lien released
Product: Payday loan, title loan, or personal loan

Issue is with making payments. Company will not accept debit or credit cards. These methods allow payments to be made on time. As a result of having to drop payments I am late and fees are added and once again they are trying to repossess. They accept checks but deposit to soon causing NSF and as a result not able to write checks. When I demanded to wait for deposit the check clear but after they refused to take checks as prior the one that cleared they deposited two early and they did not clear. Money orders are dropped but payments could be on time if we the consumers could pay by card. I am seeking some resolution with help us the consumers to pay by cards. Please advise. The payment collect method keeps the consumer behind and at risk of losing property along with fees added.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to file a formal dispute regarding inaccurate information on my credit report. I have identified certain entries that appear to be incorrect or misleading and request that they be investigated and removed accordingly. Below is a summary of the situation : Description of the Issue : On [ XX/XX/year> ], I reviewed my credit report from your bureau and noticed a discrepancy. Specifically, there is an entry related to Equifax showing [ incorrect amount, late payment, or other error ]. The information provided by this company does not reflect my information it is the wrong consumer.

Actions Taken : On [ XX/XX/year>, I contacted [ Equifax ] directly to resolve the issue. I explained the situation and provided them with the necessary documentation to support my claim.

I requested a correction or removal of the inaccurate entry from my credit report.

Despite my efforts, no action was taken by the company to rectify the situation or update the information on my credit report.

The incorrect entry was recorded on numerous dates Given that this information is incorrect, I kindly request that the company involved be notified to review and remove the false entry from my credit report.

I trust that your office will take the necessary steps to ensure the accuracy of my credit report. I appreciate your prompt attention to this matter and look forward to your response.

Thank you for your assistance. 

Sincerely, XXXX XXXX [ XXXX XXXX XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 30 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 30 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person
Product: Payday loan, title loan, or personal loan

I presently am trying to obtain a settlement from Cashnetusa in regards to a " on line " line of credit. 
I am ashamed to admit I was so vulnerable to ever use this company, but I have several times since 2015. 
I was working then, paid every bi-monthly payment via ACH debits from my bank. 
Paid the loans off several times, but things would get a little tough, and id go right back and borrow more .. 
I was sceptical about the loan, but was told it was much cheaper and a bounced check ..they never discussed their interest rates, I ask about set payments and how long to pay off the loan, was told payments would be small and could pay what I could manage until the loan was paid. 
I have never missed a payment In 5 years ... but..my mother has become very sick, requiring XXXX 3 times/ week ... Im XXXX years old, I have moved my Mother in to care for her, so I have no paycheck coming in, only my SS check .I called CashNet 1 week before my payment of {$450.00} was to be debited from my bank, I explained I could no longer pay those high bi-monthly payments .I also informed them, I had notified the bank to stop payments to Cashnetusa, I also changed by bank debit card. I informed Cashnetusa of this action. 
I ask cashnetusa to please settle this debt with me and close out the account .I have gotten so much run around and still have not been able to reach any kind of settlement. 
I called them this morning again, they explained I was not yet eligible for a settlement ..I ask what criteria they had to be eligible, ,but they couldn't give me an answer. 
I have paid them over {$1900.00}, just in interest and fees in 5 weeks, my loan amount was {$3000.00}, it's now {$3400.00}. 
They did say that I may be eligible for a settlement in 6 months .. 
I said, while interest is still accumulating and the answer was yes. 
I told her I would settle with them for the {$1900.00} that I had already paid them in interest over 5 weeks, but, ,they couldn't do that ... I really want to settle with them, but, I would really like to put this company out of business in Virginia XXXX 
They are getting their victims like myself, based on the need for money at the most vulnerable times ..I admit, I fell for this and used this company for almost 5 years..I have paid them thousands of dollars just in interest ..never missing a payment ... 
Now, I've had a life changing experience and ask them to please help me to settle this debt once and for all ..but..they say they can not, bc, I'm not eligible. 

Thank You
Product: Checking or savings account

Navy Federal kept overdrafting my accounts and then charging me fees on top of it