23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I was told Wednesday my funds would be available to me within 48 hours and it hasnt and now theyre holding my funds XXXX and I can not compete my clients projects because if this. I want my funds released at once so I can withdraw them!
Product: Credit reporting or other personal consumer reports

1. The account you are reporting is identified as an installment loan which is factually incorrect. Please remove this account from my credit file immediately.

2. The true account type for this account is a Credit Sale Agreement. Please remove this account from my credit file immediately.

3. I have the right to an accurate credit file and discrepancies like this are unacceptable.

Please remove this account from my credit file immediately.

4. monthly payment reported on this closed account- how can there be a monthly payment on an account that's not even open? 

RE : XXXX  Account : XXXX I accept no responsibility for ownership of this debt ; I recently views some inaccurate information reporting on this repossession account. Since your supposed to remove ANY account that doesn't have the exact information on all 3 credit bureaus. REVIEW this account immediately and REMOVE it from my credit report. Once a vehicle is sold at auction I no longer owe the original debt and the information you have on file is incorrect : XXXX Account : XXXX I look forward to resolving this matter quickly. Send me a new FREE updated credit report via mail within 30 days. you only have 30 days to respond or I will file a complaint!
Product: Vehicle loan or lease

MAS FINANCIAL SHOWING THE WRONG CLOSING DATE FOR THIS CHARGE OFF, THEY PUT A NEW DATE AND YEAR FOR CHARGE OFF DEBT M, DO TO THIS INCORRECT INFORMATION AND OTHER INACCURACIES IM ASKING FOR THIS DEBT TO BE REMOVED IMMEDIATELY FROM MY CREDIT REPORT.

MAS FINANCIAL is in violation of privacy act 1974, I didnt give MAS FINANCIAL Consent to report my personal information I also dont remember doing any business with this company, do to MAS FINANCIAL violating my privacy rights, I have been Suffering emotional damage when it comes to purchasing a home for my children not only that I am suffering but my kids as well, this is call pain and suffering, I have been humiliated. I will like to opt out of this charge-off, 15 U.S.C 6802-15 U.S.Code 6804 Obligations with respect to disclosures of personal information. Do to sending my information to a nonaffiliated third party such as XXXX, XXXX and XXXX other fraud has been committed under my name. Please show me where I gave MAS FINANCIAL the consent to share my personal information to these institutions.I ask that XXXX XXXX XXXX XXXX to obey the laws of 15 U.S.C 1681 ( E ) B-15 U.S.C 1681 I ( 5 ). Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.
Product: Debt collection

This was covered by XXXX XXXX Amount : {$1000.00}
Product: Credit card

New Credit Card. A charge for {$75.00} was on the first bill, transaction date before the card was either received or activated. Charge was to a company in XXXX but in XXXX XXXX. 
This is a major security issue that the charge was not trapped by Citicorp fraud filter. I called customer service, who connected me to security. Security was not interested and just treated it as a Billing Dispute. After a few weeks, the dispute was denied, showing evidence that somebody Named XXXX XXXX in XXXX ordered something from XXXX XXXX in XXXX, again long before the card was received or activated. 
I have tried to reach Billing Disputes at XXXX ( XXXX, or # XXXX for immediate connection to Billing Disputes ) several times for two days. Finally called customer service, and they to got runaround first from Security, then unable to reach billing disputes. Kept me on the phone for about an hour ( XXXX XXXX, 2015 ) despite request, they never called back. 
Either CITIBANK has little regard for customer, or they are again part of the fraud and extortion from my account. Perhaps they assume that they can exhaust me with this runaround and extort this amount to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a discrepancy of late payments shown on my credit report with XXXX. 

According to my credit report, my SUNBIT ( account no : XXXX ) was 60 days late : 30 days as of XX/XX/XXXX and 60 days as of XX/XX/XXXX. 

However, on the company 's website, I was never late. I actually paid off the balance in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase is violating me as a consumer by re-aging a misleading inaccurate account on my credit report. They are failing to comply to the FCRA. I've sent in multiple concerns and we still have a problem. They disregarded my dispute multiple times. I'm asking CFPB to help me with this situation. This account is not maximum possible accurate which is the FCRA standards.
Product: Mortgage

I send in extra money each month to be applied towards the principal balance. This is what they say : " A Partial Payment is funds received that are less than the full monthly mortgage loan payment due on your account. We retain partial payments, in limited circumstances, based upon the account status, loan documents and applicable law. These funds are applied to, and held in, a separate non-interest bearing unapplied funds account. The unapplied funds balance represents the amount of unapplied funds being held. In order to apply these funds to your mortgage loan, we must receive the additional funds sufficient to complete the full monthly mortgage loan payment due. '' This is not right. I should not pay interest on money that I have sent to pay the loan! 

Thanks, XXXX
Product: Mortgage

I was told by my bank that if I paid a higher rate, my PMI will be included inside the loan and I would not have to pay a PMI. I am seeing PMI payments on my mortage account for approx. XXXX This was n't suppose to be there. The bank lied to me by using depective practices to give me a higher rate. My rate was suppose to be 3.625 with lender paid PMI but I was given at closing 4.625 instead. I questioned the rate during the entire mortgage process but I was told its an estimate and it will be updated before closing. I raised this issue at closing again, but I was told to go ahead with the closing otherwise I will lose my money on deposit and other money I paid for the house such as inspections and etc. 

Also, I have requested several times from the bank to see the original loan documents, but the bank says they lost the original documents and can only provide copies. I believe my documents were altered and at closing I was told they will fix it but the bank never fixed it. I was also told I did n't have to escrow my account. But now the bank refuses to remove the escrow and wants me to send them more money to remove it. 

I have been asking the bank to show me any disclosures documents. Bank did n't provide any disclosures to me during loan process. All I got was a surprise at closing. 

I spoke with Wells Fargo while writing this letter. I spoke with Wells Fargo Representatives at XXXX at approx for about an hour more or less. I spoke with XXXX Supervisor in Loan department and she saw the Settlement Statement ( HUD-1 ) and says she sees my complaint is valid. HUD Statement Page XXXX ( Attached ) clearly shows the issue at hand. 
XXXX stated she has to escalate this issue since my complaint is valid, I was transferred to Office of the President and I talked to XXXX XXXX. She went over the complaint again and said someone from the retail divison will get back to me within 48 Hours. 

I have been reaching out the Wells Fargo for well over 2 years now and I have zero faith they will do anything about this issue and they keep giving me the run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

This qualifies as a breach of 15 US Code 1681s-2, which outlines the obligations of those furnishing information to consumer reporting agencies. Their omission of a written notice about the account prior to reporting constitutes a violation. As a result, I insist on the removal of the account from my credit report, as I dispute the claimed debt. 

Furthermore, they have transgressed my rights according to 15 U.S. Code 1681b ( 2 ), governing allowable purposes of consumer reports. This violation is evident in their reporting of the account without obtaining my consent and the misuse of my social security information. In light of being an identity theft victim, 15 US Code 1681c-2 mandates the blocking of such data without my explicit written consent. 

As stipulated by 15 US Code 1681a ( 4 ), consumer reporting agencies are obliged to uphold my privacy rights. Regrettably, this right has been infringed upon by the public disclosure of my information, an action to which I never provided consent to your organization. 

I request the immediate removal of this account from my credit report.
Product: Credit reporting or other personal consumer reports

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud.XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX EQUIFAX MTG  Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry XXXX, XXXX  Inquiry Date XX/XX/XXXX and EQUIFAX MORTGAGE SERVI Inquiry XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This item was disputed in XXXX. I do not believe Transunion performed an actual investigation as XXXX has removed this item from my report, but Transunion has not. This item is erroneous and needs to be removed right away. This is keeping me from qualifying for a mortgage and it is not right.
Product: Credit card

XXXX please see prior complaint, I am being harassed day by day all 7 days morning hours like XXXX XXXX XXXX with no caller id and they are not saying they are vs pink credit card. they just say XXXX XXXX I asked for the non stop calls but im being harassed to pay XXXX for a bill I never once been late before so this is harassment im an going to pull my phone records to show how many calls been getting the last call XXXX from XXXX who called from no caller id and he just hanged up I am sick and tired of the harassment from this company now they have charged me late fees and return payments over the past days been harassed. I can file a lawsuit for this matter.
Product: Bank account or service

On Friday, XXXX XXXX, I deposited a check totaling {$1900.00} into my Chase savings account. On Monday, XXXX XXXX, the check cleared and the funds were posted to my account. I then called Chase bank and spoke with a customer service representative. After a five minute recorded conversation, I was assured by the representative that the check had cleared with no problems. 

This morning, I received a notification from Chase bank that the check was returned and my account was now {$1800.00} overdrawn. After speaking with Chase customer service twice more, I was informed that the check was " altered '' and that the funds were no longer available. 

After I explained to the supervisor how I had already called the bank to confirm the check was cleared, the only response was apologies and a promise train their customer service agents more fully.
Product: Checking or savings account

I received an email stating that my chime account had been closed. I had over XXXX dollars in the account and need that money to live and pay bills. When I requested a response from them they said contact them through email and wanted paystubs and my id to verify my identity. I have yet to hear anything back from them regarding this situation.
Product: Credit reporting or other personal consumer reports

Called Transunion support They reset my account I logged in once and was dropped from the site Tried to login again and was told I had invalid credentials
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry on my credit reports from XXXX  XXXX and onemain financial. I do not have an account with XXXX XXXXXXXX or onemain financial. I have contacted XXXX XXXX they gave me the XXXX XXXX number. I also contacted OneMain financial and they told me to contact the credit bureau as well because they had no records of my credentials in their system. When I spoke to XXXX  XXXX, she could not find a profile under my Social Security number or name but yet, I still have a hard inquiry on my credit report. This happened XX/XX/XXXX and XX/XX/XXXX, I know for sure I didnt open account on that day or any day prior.
Product: Credit reporting

Transunion Credit Bureau is reporting employment information for me for companies/employers which I longer work for. Twelve years ago I temporarily worked for a company less than three months, this employer is still showing on my Trans Union credit report. I tried to dispute this matter with the Trans Union Credit Bureau several years ago and was not able to get a satisfactory response from them as to why they have that employer reported or get a date as to when it will be removed from my file. They also have another employer reported from 2009, which I no longer work for and I am uncertain on how to have the employer removed as Trans Union Credit Bureau is the only credit reporting agency that has employment information listed for me which also happens to be outdated. I have applied for credit in the past and have been asked about my current employment status and then asked about the companies listed on this report which then complicated my pursuit in applying for and securing credit and loans.
Product: Credit card or prepaid card

XX/XX/16 called at XXXX AM AZ TIME, called about removing late fees due to me being hospitalized they said they can not remove it for me so i escalated to a supervisor and they also said even with this circumstance they can not remove a late fee. they said they can only remove one late fee per 18 months regardless of the circumstance which i do not see as being the case for any other credit card company that helped me with my medical issues. i also stated i wanted to file a FORMAL complaint which i do not believe the supervisor did for me she did not ask what i wanted to not down or anything, she just said she '' sent it ''. i know there is a process for formal complaints that i believe the supervisor did not follow
Product: Mortgage

Dear CFPB, Nationstar Mortgage LLC XXXX Mr. Cooper ( Mr. Cooper XXXX, The XXXX of my mortgage was transferred from Mr. Cooper to Select Portfolio XXXX, XXXX XXXX XXXX XXXX XXXX on XXXX. XX/XX/XXXX. 

I am reporting this through CFPB because XXXX ) this relates to a data quality issue during servicing transfer and has the potential to impact many customers, XXXX ) SPS is pointing the finger directly at Mr. Cooper, and XXXX ) this might relate to the enforcement action CFPB took against Mr. Cooper in XXXX of XXXX. 

XXXX has stated, on several occasions, that Mr. Cooper did not provide insurance information for ( at least ) my account as part of the transfer ; however, if the problem were isolated to missing insurance information, XXXX should have caught the inconsistency and identified a problem with the data. 

This suggests either there is a more pervasive issue with the data coming from XXXX XXXX XXXX is failing to do basic sanity checks on their end that would have caught the issue. 

Some of the statements that XXXX customer service representatives have made with regard to this include : [ Your loan was ] Acquired [ we ] XXXX get all the info during transfer, What happens is the prior servicer should send this information. Sometimes they dont send everything, so we, as the new servicer, sent out letters to customers to confirm we are supposed to pay taxes and insurance. 
What we need to know from prior servicer is if you have insurance In other words, XXXX is directly stating that XXXX ) Mr. Cooper should have sent those data, and XXXX ) that Mr. Cooper failed to send the data ( at lest for my account ). Moreover, as of XXXX. XX/XX/XXXX, some 57 days after the servicing transfer, XXXX acknowledged that they still had not received the missing information from Mr. Cooper.
Product: Mortgage

On XX/XX/2023, I paid my mortgage in the branch via personal check with the late fee included. The receipt stated calendar date and business date. The payment was received on XX/XX/2023, but was not reflected on the statement until XX/XX/2023. I acknowledge this was a holiday weekend. However, their written correspondence clearly states the payment will be credited the same day. This is troublesome because PNC mortgage and its statements state the payment is credited the date received. That did not happen in my case. There is no addendum to the statement which makes it egregious and misleading. 

Before PNC Mortgage attacks me, I acknowledge the payment is due on the first. I have never made a mortgage payment after the 30 days has elapsed. The issue is not me, the issue is PNC Mortgage has misleading statements on its website and written correspondence. That can harm borrowers as they may make a payment on the XXXX of the month thinking it will be credited the same day and it won't be credited the same day as their written documentation states. Their inconsistent practices are harming borrowers and potentially ruining their credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I the consumer did not consent too nor authorize these inquiries that are reporting to my consumer report. I did not give my permissible consent to none of these corporations to obtain my consumer report from TransUnion, XXXX and XXXX. Everything is electronic I did not give them written consent to obtain my consumer report per section 15 USC 1681n ( b ). Per federal law states that any corporation whom willfully fails to comply with the requirement of 15 USC 1681n is liable to the consumer in the amount of {$1000.00} per section 1681 ( n ) ( a ). I sent all 3 bureaus an identity theft report via Usps mail via certified mail. Are they above federal law? Some of these 3 party Consumer reporting agencies are Foreign for profit corps doing work How are they able to share my consumer report without them contacting me for my consent to share my private information with these corporations. The bureaus humiliated me to the public and damaged my reputation. All 3 bureaus decreased my score because of these inquiries. If you can provide me a copy of a credit application authorizing the disclosures of my files with my actual signature, I will accept the inquires. If such application is removed I demand these inquires be blocked and removed from my consumer report. Transunion stole my identity and sold my information via credit sale to these corporations without prior consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$100.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX XXXX : {$900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance XXXX {$1200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$3000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$130.00} ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX ; XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX CO XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX 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 ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Checking or savings account

I opened up a Bank of America account XX/XX/XXXX. When I went to another branch on XX/XX/XXXX, I attempted to cash an official bank check from closing a XXXX XXXX  Account. The teller told me my only option with my check in that branch was to deposit it into the account. I proceeded even though I wanted to cash the check. When depositing the funds the teller spoke, saying they would be available to withdraw from account Tuesday, Tuesday, XX/XX/XXXX. 

Bank of America since has sent notices through my email and online banking that they are putting a 11 day hold. There is no reason for the check to be suspicious as it is an official XXXX XXXX  Check. Furthermore the amount of time they are holding from what I read is illegal. The amount is such that it will put me in a major financial crisis, not receiving in a reasonable time frame. that I could lose credibility with my other financial institutions and obligations, as well as hurt the people that are associated with me long term.
Product: Debt collection

I have disputed this account already and said that the dispute was complete, and that it was removed from my credit report. Well it is not removed and still affecting my credit. I am attempting to seriously change and better my credit so I would like this off of my report like they say it was.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX myprepaidcenter.com states that once activated " it can be used EVERYWHERE VISA is accepted. '' Come to find out this is not true. The statement made on their website is false! 

I tried to use it to pay for my hotel room they would not accept it even though they accept Visa in the same thing with our breakfast. 

I would simply ask that this agency require this site to change their literature to accepted " MOST '' places visas accepted. 

Or for XXXX to reimburse in cash or debit
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX Mastercard account reporting on TransUnion and XXXX  that is not mine. I was not liable on this account and was only an authorized user. I've tried to contact XXXX and they were unable to locate this account.