23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XXXXto now I was I lot of pre-approval on credit karma but they keep sending all kind of pre-approvals telling that I was was pre approved for credit cards, personal loans and refinance my car, every day I would see these offers ever time I login to check my credit score and still do, so after a few months of being told I was pre approved I thought I was in the prefect place to apply, I had got so mean offers through credit karma and I told my family about it that we was going to use the pre approval for vacation, so I applied most of my injuries came from credit telling me I can get a loan for cars and and refinance my car I have now and I never got approved from any of the Excellent approved offers from credit karma and my credit down a lot I was being lied to for months by credit karma being missed led and causing me to stress for weeks over this and XXXX XXXX  so bad I became antisocial my XXXX went from XXXX to XXXX. Now every time I see pre approval I immediately closed my phone and shut my computer off this has made me so uncomfortable and XXXX that I havent checked credit as frequently as I should.
Product: Credit reporting or other personal consumer reports

I filed a dispute for incorrect information on my credit report. I received an email from the XXXX XXXX stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate
Product: Credit reporting

DiTech Financial ( DF ), formerly known as Green Tree Servicing, is reporting information on my credit report in direct opposition to an Stipulated Order for Permanent Injunction and Monetary Judgment ( XXXX ). I have contacted DF and sent them a copy of injunction. No action has taken place as far as removing the information from my credit report.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXXXXXX XXXX XXXXXXXX - XXXX - {$0.00} XXXXXXXX XXXX XXXX  XXXX - {$4400.00} XXXX  XXXX - XXXX - {$510.00} Name : XXXX XXXX XXXX Name : XXXX XXXX Also Known As : XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year>
Product: Debt collection

I have a settlement that I am paying off through Attorney XXXX at XXXX, FL XXXX. 

The settlement is for {$4700.00} and payments began in XX/XX/2015. I have sent written communication to this debt collector over the past 6 months requesting the account balance. I have yet to receive any communication from this debt collector regarding my account balance, however did receive a letter that my payment was late with them one month.
Product: Money transfer, virtual currency, or money service

They do not care about your security!

My wife and I have grown accustomed to using XXXX  over the last month. However because I work as an XXXX XXXX and know how important security is, I change my passwords once per month on all my sensitive accounts. XXXX  forbids that! I have 5th 3rd Bank. If I change my password, I AM FORBIDDEN TO USE XXXX  FOR 30 DAYS!!!!! So, in summation, IF YOU TAKE YOUR SECURITY SERIOUSLY AND HAVE THE AUDACITY TO CHANGE YOU BANK PASSWORD - YOU WILL BE PENALIZED WITH A 30 DAY PUNISHMENT FROM XXXX  & 5th 3rd Bank.

Summation : If you have 5th 3rd and what to use XXXX, you can't EVER change your password without a 30 day penalty.

That goes against everything the security industry is trying to do to protect consumers. The fact that a Major Banking Entity like 5th 3rd Bank would passively promote never changing your password for fear of losing the functionality of transferring money is appalling, atrocious and frankly, makes me wonder about other security issues they ( XXXX  & 5th 3rd ) aren't sharing.
Product: Consumer Loan

Ok I had taken out a Title loan for my paid off vehicle, However back on XXXX 2015 I had needed extension for a week, A gentlemen by the name of XXXX told me I could n't get an extension but I qualify to get an additional {$500.00}, IF I bring them {$340.00}, and he sold me on the Idea, when I get my taxes just paid it off. ( But I have n't receive taxes yet ) SO I took the additional {$500.00}, which was only {$160.00} difference. Now I am stuck paying {$410.00} a month just on interest alone. 
Now I ASKED FOR AND EXTENSION FOR FEBURARY AND THEY HAD GAVE ME 30 DAYS. 
I feel like if he would allowed me to get the extension in XX/XX/XXXX I WOULDNT BE IN THIS MESS, I AM SPENDING MY WHEELS JUST PAYING ON THE HIGH INTEREST RATE ... ... ..IN XX/XX/XXXX MY LOAN WAS DOWN TO {$800.00} NOW ITS {$2100.00} WITH {$410.00} INTEREST RATE ...
Product: Mortgage

Hi, To START, the death of borrower. I inherited the property securing the loan. Went thru probate, everything to assume the loan. The loan continuously remained as an estate even after countless times of trying to assume the loan. So I continued to struggle to make payments. I got sick back on XXXX XXXX. It was initially thought to be a temporary XXXX. 

2 years ago I almost lost my home. It was the judge that told me where to seek assistance after being 12 months behind. He referred me to the SC Helps.gov. They paid my mortgage for 2 years to give me the opportunity to seek additional income or be able to return back to work. Since then, I've been declared 100 % permanent XXXX. 

I used the papers that XXXX presented in foreclosure court stating the death of the borrower.Finally, they did add my name to the loan. I had to apply for an assumption although I had presented the necessary probate papers over and over in previous years. 

The application asked about the condition and worth of the home. I did provide the information of owing $ XXXX however the value is much much more than that. 
I applied AGAIN for help. 
This time I was denied help, but was offered a statement to sign to surrender my home. It said I HAD to sign. I panicked and discarded the letter. I did not want to feel pressured to sign that form. They also said I had over {$3100.00} is monthly debt so I had to surrender my home. I do NOT have {$3100.00} in dept. 
I didn't sign ... .and threw that paper away. I just want a little relief. They won't even try to help me. 

During the years, XXXX had denied request for help as- Death of Borrower- not eligible for modification, insufficient income and death of the borrower, over and over again stating the only option is to -surrender the property to them. 

I've exhausted the SC Help funds. I just need a little relief. a permanent little relief. Paying over {$1000.00} is so intimidating. If I could just get it under {$1000.00}. 

They won't even let me try a modification. 

Thank you for your time in reading my complaint.
Product: Credit card

On XXXX XXXX, 2015, my wife and I traveled to XXXX XXXX NV to celebrate our XXXX wedding anniversary. I used my Sam 's Club XXXX XXXX # XXXX XXXX on the XXXX to purchase dinner ( {$60.00} ) and, at the airport for XXXX shuttle bus transfers ( {$40.00} ). On the XXXX I used the same card at breakfast in the XXXX XXXX ( {$10.00} ). Later that morning my wife and I went to a vendor to purchase show tickets. After waiting in line for XXXX minutes, I presented my Sam 's Club card for payment it the transaction was denied. My wife stepped up and presented her Sam 's Club XXXX card for payment and her card was also rejected. We were now forced to call the bank, put on hold for XXXX minutes, only to find that there was some " unusual '' active in my account??? The rep then reads me all of my charges asking if that was a valid transaction. I reply " yes '' to all of them and my account was reactivated.I my opinion this bank is not to be trusted. I do n't believe anything they say .My XXXX transaction is XXXX XXXX is rejected? I ask where is the " unusual '' activity? Buying show tickets in XXXX XXXX? The simplest software would show XXXX XXXX XXXX XXXX traveling to XXXX XXXX. She bought drinks on the flight. I buy shuttle passe and dinner in a large Hotel. It looks to me like the XXXX are in XXXX. This bank is doing something illegal and I hope your organization can do something about.
Product: Debt collection

I received a letter from the IRS saying there was a charged off debt in XXXX from PNC bank. I went to a PNC bank branch on XX/XX/XXXX and they could not go back to XXXX in their system to identify if I ever took out any loans/credit cards. The IRS needs documentation proving that I never had any of these loans and I could not get them from PNC to prove this charge off was a mistake.
Product: Debt collection

this account is a fraudulent account and was from identity theft but it is reporting on my credit and this company has this frauudlent account on their records
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> am reporting a fraudulent inquiry found in my credit report
Product: Credit card or prepaid card

Called Bank many times. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and many more times and have been hung up on many times. I spoke to a XXXX, XXXX, XXXX, XXXX, XXXX. to no avail. I was incorrectly charged an amount of {$150.00} due on XX/XX/XXXX and sent them correct amount of XXXX which they received on XX/XX/XXXX and that check was cashed. I checked on my statments on line and the XXXX statement was missing and my payment of {$100.00} was not shown as made, yet my XXXX XXXX XXXXXXXX statement showed that the payment made to Commenity cleared. I have been charged XXXX late fees of {$30.00}, XXXX of {$40.00} and a return check fee of {$30.00}. I have excellent credit and have never been in this situation before. Today, XX/XX/XXXX, I tried to sent a secure message which is shown on Comenity 's site and after completing the message and attaching the attachments a message said that the attachments would not attach but I could send the message without the attachements. It could not be sent. I did send a letter via snail mail on XX/XX/XXXX as per their request showing the information they requested and when I called on XX/XX/XXXX, they said they did not receive my correspondence. They do not have email or fax only regular mail. I have paid them everything I owe including my last payment of {$96.00}. the only thing outstanding are the fees and interest totaling {$100.00} which is due XX/XX/XXXX. Please advise what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, the consumer and natural person under law and I am submitting this complaint myself and there is no 3rd party involved. My federally protected consumer rights have been violated pursuant to 15 U.S.C 1681 Permissible Purpose of credit reports. The Fair Credit Reporting Act has been put in place to ensure that consumer reporting agencies maintain fair and equitable reporting. The attached letter contains accounts that are not fair and equitable to me as the consumer. I sent the attached letters XX/XX/2021 and I have yet to receive any response from the consumer reporting agencies listed. Please investigate this issue immediately. I am prepared to seek all proper remedies in this matter. The attached letter contains the the accounts that are adversely affecting me. Reporting Act 15 U.S.C 1681b Permissible purposes of a consumer report, which clearly states that .Any consumer reporting agency may furnish a consumer report under the following circumstances and no other. 1 ) In response to the court order of a court having jurisdiction to issue such an order or subpoena issued in connection with proceedings before a Federal grand jury 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave any written consent to report anything on my consumer report, and no court order having jurisdiction to issue such an order or subpoena issued in connection with proceedings before a federal grand jury has been issued. Also, I have not authorized any of these transactions. A consumer credit report should be equitable and fair to the consumer and should not contain any information that is adverse to the consumer pursuant to 15 U.S.C. 1681d Disclosure of investigative consumer reports. The following information is adversely affecting me and is a violation of my consumer rights. I have listed the items in the attached letter and below which are in violation of the FCRA and need to be deleted from my credit file immediately. my credit file immediately 1.XXXX XXXX Account Number : XXXX 2XXXX Account Number : XXXX 3.XXXX Account Number : XXXX Please follow the law. The response of " Unauthorized third party '' will not be accepted.
Product: Mortgage

I was approved through this brokerage for an FHA loan ; for XXXX XXXX XXXX . XXXX  XXXX XXXX NC, XXXX Due Diligence was paid, mortgage appraisal was paid, inspection paid, my fianc and I moved from opposite ends of the XXXX XXXX, in multiple Uhauls to attend a closing date XX/XX/2021. 
On the day of closing, ( 3 ) hours after my appointment with the lawyer ; it was communicated to me that I was being denied closure on my loan because my commuting distance & { dwelling of primary residence was more than 100 miles apart } This has left me homeless, living in my vehicle, all of the money invested non refundable, and my belongings in a storage unit. 
Im in XXXX, Im fully vested with XXXX ; and in its very nature can have me based anywhere in the country at any given time. I have never had an issue commuting to work in the ( 6 ) years Ive been flying. 
Are there exemptions protected under the Transportation and Railway Employee Act? It seems a bit discriminatory to not have something in place for those who work for solid companies but cant control the logistics of their profession. Any help or guidance you could provide would be great.
Product: Credit card or prepaid card

On XX/XX/XXXX I'd contacted Chase Credit Card services to dispute a charge with a vendor. They began an investigation. I then noticed later that there was a credit on my account for the charge from the vendor. I was told when I called Chase BACK that the credit was NOT from the vendor but from CHASE pending their investigation. I then proceeded to deal with the vendor accordingly, filing complaints with Consumer Affairs and the XXXX XXXX XXXX I also had posted reviews of the company on line, all of this based on the information I'd received from Chase. The vendor continued to insist that THEY had given me a credit on XX/XX/XXXX and that it must be " in process. '' I contacted Chase AGAIN on XX/XX/XXXX and was told AGAIN that the vendor had NOT given me a credit and that the vendor was misinforming me. I then proceeded accordingly based on the information Chase had given me. I called Chase again on XX/XX/XXXX and was told at that time that the vendor HAD processed the credit on XXXX and that there WAS no credit from Chase at that time. I had been misinformed by at least 2 people at Chase customer service. They are now refusing to acknowledge their mistakes. I spoke to XXXX from their Executive offices yesterday and he claims there WAS no phone call on XXXX. I have proof in my phone records but they refuse to look at my proof. I just want a letter acknowledging their mistakes in case the vendor decides to pursue action against me. I don't think this is unreasonable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, federally protected Consumer, have ordered my written instructions Cease and Desist pursuant to 15 U.S. Code 1692c ( c ). 

Discover Bank I demand you to remove all Negative Information according to federal law definition any form of default which is stated in my Cease and Desist. 

My Consumer Report shall be reporting 100 % positive and 100 % on time payments. 

If Discover Bank dishonor my Cease And Desist you shall be fined and imprisoned for not more than 20 Years or both pursuant to 18 USC 894 ( a ) ( 1 ) ( 2 ) as you are causing substantial harm to me and ruining my financial reputation for non repayment which validates you are extorting me by furnishing negative information and this is how Discover Bank shall be fined and imprisoned for 20 Years under title 18 U.S. Code 894 - Collection of extensions of credit by extortionate means.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I used Venmo to pay for a used aircraft part that I purchased from a XXXX seller. Shortly after I make the purchase I realized this was someone that was being dishonest or trying to scam people on XXXX. The total amount was {$1100.00}. On XX/XX/XXXX I contacted Venmo to dispute the transaction as I said this money was used for buying a product online, I also had my back put a stop pay on the transaction before the money was taken out of my checking account. The same day I called Venmo to make sure everything I submitted in my dispute was clear, I also asked the customer service agent if there was anything else I needed to do and she said all the info I provided was clear and they would take care of it. I let her know that I stopped the money from leaving my bank and she said that was good that I had contacted my bank. In my mind I had done more then most reasonable people would have done and this should be a easy situation for Venmo to take care of. Later Venmo asked me for info that I was unable to provide like a URL like to the listing that the seller had and communication between me and the seller. The seller had already pulled down the listing on XXXX and the only communication I had with the seller was on XXXX XXXX so I didnt really know how I was going to provide this info but as I said I had already talked to someone at Venmo that said I have provided what they needed and I still had the money in my bank. On XX/XX/XXXX Venmo denied my claim because they said they didnt have the info they requested, I called them immediately once I got the notification and they said I could submit screenshots of anything I had which would have been good to know when I talked to Venmo XXXX XX/XX/XXXX. After I submitted all the screen shots to the Venmo rep they sent me back an email saying that they would not be able to open up the dispute and that I needed to try to resolve this with the seller that was already not responding to any communication from me at this point, and as I told them this was a scam artist trying to steel money from people online. I called back Venmo again the evening of the XXXX and asked what the appeal process was and again I sent them all the screen shots I had between me and the seller and they said it would take XXXX for them to see what they could do. They also said that they had already sent the seller the money before it cleared my bank so I would still be responsible to cover the balance in my account, even thought I had done everything I could have at this point to stop a dishonest person from taking {$1100.00} from me. Did Venmo ever ask the seller for any proof that they sent me the used parts that I purchased? I feel that Venmo did a poor job of handling this dispute and notifying me of what they needed and how I would be able to provide them with information from a seller that was being dishonest. I also think it was incredible irresponsible of them to send them money to the seller before they had funds from my bank.
Product: Debt collection

Below is a detailed timeline of events that highlights the error : XX/XX/year> : I agreed to a three-month payment plan to pay the property taxes on my account. Payments were scheduled to begin on XX/XX/year>. 
XX/XX/year> : Since the XXXX was a Sunday, I called on XX/XX/XXXX to make the payment. However, I discovered that my account had already been reported as delinquent for being more than 30 days late. 
XX/XX/year> : I made a payment of {$4000.00} toward the {$8800.00} balance. 
XX/XX/year> : When I called again to settle the remaining balance, the customer service representative ( CSR ) stated that my account was 34 days late as of XX/XX/XXXX. This means that, on XX/XX/XXXX ( the date of reporting ), my account was only 27 days late and not more than 30 days late, as claimed. 
During my XX/XX/XXXX conversation with the CSR, I was assured that as long as the balance was paid within the agreed three-month period, my account would not be reported as delinquent. This assurance was clearly false, as my account was reported as delinquent despite being within the payment plan and not yet 30 days overdue on the date of reporting. 

This reporting error has caused unnecessary damage to my credit and contradicts the agreement made on XX/XX/XXXX. I request that Chase Auto immediately : Investigate this matter thoroughly and correct the erroneous delinquent reporting with all credit bureaus.
Product: Consumer Loan

Vehicle lease -- lessor overbilled by {$100.00}. After repeated calls to customer service they refuse to refund amounts due even though they agree that the overpayment has occurred. Overpayment occurred in XX/XX/2016. Nine months later they refuse to act. The lease term ended in XX/XX/2016.
Product: Mortgage

I 'm filing this complaint because I have been unable to resolve my concerns with my mortgage company about the way the length of time that it consistently takes for my mortgage company Freedom Mortgage ( unfortunately not by choice ) to process all of the payments that I 've made & sent to them on time -- at least 1 week in advance. 

For whatever reason, it is completely impossible for me to contact customer service in any form to try to get an explanation as to why it takes 2+ weeks for my payment to arrive at the payment address supplied by Freedom Mortgage. I am extremely fearful that Freedom Mortgage will assess late fees & cause me to " dispute '' the charges, as they are willfully slow and unwilling to find a proper solution. 

After waiting on hold for nearly 15 minutes this morning, I reached a customer service agent at ( XXXX XXXX XXXX -- the number listed for new applicants. I had to " sneak '' my way into the queue by calling that number since calling ( XXXX ) XXXX as is recommended for current Freedom Mortgage clients resulted in 3 automated hang-up calls this morning, after I entered & verified all of my current loan information. Emails to the only address that I can find, XXXXXXXXXXXX go unanswered repeatedly. I emailed another inquiry this morning & fully expect to be ignored again. 

I simply want to know why the processing is so slow & where I need to mail my payment for faster & more efficient service. I was told this morning by customer service that they use the U.S. Postal Service, and it is their fault for processing delays.