23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

XXXX XXXX I did a title pawn with XXXX XXXX XXXX XXXX. I begin to feel that my payments did n't affect my balance as my balance remains the same. XXXX XXXX I went to TitleMax and was told they can help me get my title back quicker and with a better plan than XXXX XXXX XXXX XXXX. TitleMax refinanced my pawn and I completed an application with a representative. I was told to make a payment of {$240.00} on XXXX XXXX. On XXXX XXXX I went in to make a second payment of {$240.00} and was given a different and higher amount now due, TitleMax would not accept my payment of {$240.00}. I was asked when I would have more money to pay the new amount and I responded on XXXX XXXX and given the amount now due of {$340.00} to be paid on XXXX XXXX. I returned on XXXX XXXX with a payment of {$350.00} and again TitleMax would not accept my payment. I was told to come back with a money order for {$490.00} on my due date. On XXXX XXXX at XXXX, I received a phone call from TitleMax. I was told my payment is due today, I responded that my due date is the XXXX. The rep told me that it was noted in my account that I am to bring {$490.00} on the XXXX. I responded I was told to bring a money order of {$490.00} on my due date and if my due date changed I was not aware of it. The rep told me I need to be in before closing in 15 minutes or the amount will change again. I told the rep that I am in class and I will try to make it in 15 minutes. I then asked if I could drop the payment off after class and she told me that it had to be posted before they closed. The call lasted about 5 minutes and with traffic I knew that I would not make it before closing time, therefore, I remained at school. Here I am again with the dilemma of being two months behind, with a threat of possible actions of collection against me because TitleMax would not take my payment.
Product: Checking or savings account

On XX/XX/XXXX I deposited a check into my chime account from XXXX XXXX 's and then moved to a different City... 
The check was for XXXX On XX/XX/XXXX at XXXX I got an email from my chime account saying the check was paid twice and they took the money out of my account making it negative ... 5 months later ... How? If someone found my physical check and tried to cash it when I moved, how is MY ACCOUNT penalized... 
I have sent chime screenshots of the only deposit on my end and they confirmed that they only see 1 deposit on XX/XX/XXXX XXXX
Product: Credit card

XXXX  I opened an wayfarer CC and i was told I can pay my balance in one year, I was making payments every month and this year they added XXXX $ fee on my XXXX $ balance, which i have XXXX $ balance right now I called them and tried to remove the XXXX $ fee because i didnt not know nothing about that kind of fees they dont want to help or do anything to help.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Midland Credit Management , Inc. is threaten to sue be for a debt they have not verified. Their correspondence is dated XXXX, 2020 and I received it by XXXX XXXX on Monday, XXXX XXXX. Fraud using dates that make it appear they sent nofication before consumer actually received. Their letter states to call no later thank XX/XX/2020 when letter was received XX/XX/2020
Product: Mortgage

Received a letter from the lender indicating that my interest only loan will change. I called the lender and I was transfer to a loan officer who ran my credit and application with a wrong social security number. Loan officer fail to provide me disclosures within three business days. A week later follow up and find out that there were not loan in process. Loan officer confirmed that the loan was in progress and the rate was lock for a HARP 30years loan fixed at 4.375 %. Two weeks later he had to retake my application and I was not able to login to review disclosures. When the hard copies arrived I noticed that the social security was wrong. Two weeks later he change the terms without my consent.
Product: Credit reporting or other personal consumer reports

Any information that are inaccurate and/or outdated must be deleted immediately from my credit report as they are not reportable as per the FCRA since they are inaccurate. 


INCORRECT ADDRESS, PLEASE DELETE THIS FROM MY CREDIT REPORT! 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I file case in FDIC and they told me transfer to your place. 
XXXX XXXX too large to upload but in FDIC case transfer. 

FDIC XXXX XX/XX/XXXX Ref. No. : XXXX Re : Citibank, National Association Dear XXXX XXXX : Thank you for your correspondence, which was received by the FDIC 's Consumer Response Unit. 

The FDIC 's mission is to ensure the stability of and public confidence in the nation 's financial system. To achieve this goal, the FDIC has insured deposits and promoted safe and sound banking practices since 1933. We are responsible for supervising state-chartered, FDIC-insured institutions that are not members of the Federal Reserve System.

Based on our review of your correspondence, the bank you referenced is under the direct supervision of the Consumer Financial Protection Bureau. We are forwarding a copy of your correspondence to this agency at the address below : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Website : www.consumerfinance.gov Telephone : XXXX Please direct any future concerns to the Consumer Financial Protection Bureau XXXX Thank you for taking the time to submit your correspondence. 

Sincerely, Consumer Response Unit National Center for Consumer and Depositor Assistance Federal Deposit Insurance Corporation Telephone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an unauthorized inquiry on my credit report made by XXXX XXXX on XX/XX/17 that does not belong to me. I have spoken with the creditor who claims I must contact the credit bureau. When I speak with the credit bureau, I am told to speak with the creditor. This inquiry does NOT belong to me and is adversely affecting me.
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 XXXXXXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX, has violated my rights. 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: Mortgage

I XXXX XXXX XXXX, need help with my home, we complied with all the requested documents sent for modification to Bayview Loan Servicing. We were told we did not qualify. We confided in a person from XXXX and we were told to take our documents we did we had n't heard from this person who told us everything was fine do n't worry we waited and waited. we decided to go to the office and we were told this person no longer worked there. Now we are facing pre-foreclosure we have XXXX children and no where to go we sent letter to Bayview please help us save our home. My wife lost her business work was slow for me. Now I am the only wage earner we are struggling we want to save our home please help us. If we knew this person was n't doing anything to help us we would have struggled our best to pay our mortgage and not fall into default. Please help us. Now we have someone helping us gather all the documents together and making copies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... AB RCY SVS ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX ... XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Student loan

XX/XX/XXXX I was disputing mistakes on credit report due missed payments due to life Financial hardship of losing my mother in XXXX ... I have been making improvements on making on time payments but they refuse to delete my missed payments that went into delinquent payments ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent these companies to investigate these inaccuracies on my consumer report via certified mail. They have continued to ignore this matter, your company has not fixed issue. It is still reporting inaccuracies on my consumer report. These companies are direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a 1099c form from this company as requested in my letter. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX  XXXX I have attached copies of my consumer report showcasing the innacuries and as proof on my defense that I have disputed these accounts with these companies. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX  - Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Unauthorized inquiries : 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 XXXXXX/XX/XXXX
Product: Mortgage

I have asked my relationship manager,  XXXX   XXXX , by phone and email if our loan can be non-escrowed and have not received a response. He has not responded to my email regarding this issue dated  XXXX / XXXX /  XXXX  . I have tried calling  Ocwen  customer support and  Ocwen  's Ombudsman office, but no  one  other than the relationship  manager  is allowed to speak to me regarding my account and he does n't respond to my requests.  Ocwen  's legal law firm,  XXXX   XXXX , responds to my complaints, but does not address all of the issues raised in the complaint. I sent an email to their legal counsel on  XXXX   XXXX  addressing the concerns that were not addressed in my last complaint. As of  XXXX   XXXX , he has not responded to my email.
Product: Credit reporting or other personal consumer reports

Dear [ Credit Bureau Name ], I am writing to formally dispute an inaccurate item on my credit report, as per my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). The account in question is listed as XXXX XXXX XXXX with account number ending in XXXX. 

This account contains multiple errors, including but not limited to : 1. Incorrect Payment History : The reported delinquencies do not accurately reflect my payment history, violating the accuracy standards required under the FCRA. 
2. Lack of Proper Verification : Under 15 U.S.C. 1681i ( a ), the credit bureau is required to investigate any disputed item within 30 days. If the furnisher of this information can not verify its accuracy, it must be removed.

3. Potential Violation of the FCRA : If this information was reported inaccurately or without proper documentation, it may constitute a violation of 15 U.S.C. 1681s-2 ( b ), which holds furnishers responsible for reporting only verified, accurate data.
Product: Credit reporting or other personal consumer reports

I have sent my concerns to the creditor because of the late payment remarks that they have reported on my account. I want this to be updated to positive and i have not yet receive any response from the company. Please help
Product: Debt collection

I did not open an account on XX/XX/2023 with XXXX XXXX, it says I owe XXXX dollars that I do not have from them never even received. I keep getting calls from a debt collector and they are very abusive and rude, called XXXX I do not have any documentation of this debt as I do not own this debt. 

My ssn can be used and brought up all my used names and phone numbers, but it doesnt make it my debt. 

I was even told that I opened this debt from an address I havent lived at for over 10 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
Product: Checking or savings account

I filed a dispute for fraudulent transactions and Chase closed my case in under 24 hours with no investigation. When I called the claim department they told me to provide police report and a letter from apple showing indentity theft and each document they told me to send to get this resolved they still didnt honor it after I provided proof of identity theft. They basically ignored police report and letter from XXXX which they told me to provide. They hung up on me during calls numerous of times, told me a person of leadership would tell me the same thing before transferred. How is the Claims department bigger than the law is what I asked and why put me through all this and act like Im not a victim. I filed complaints never heard from any Chase officials on the matter. This has caused me a deal of stress because as a consumer of Chase products I would hope that I would be treated as such. When you file a claim a temporary credit should be issued which was never the case. I did everything they ask me to do and I still dont have nothing but stress and emotional grief.
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 you 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 block/remove these files. 

XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, and XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2018 Balance : {$0.00}. 


If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you 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: Credit reporting, credit repair services, or other personal consumer reports

I have had XXXX XXXX removed off XXXX XXXX dont why they take off put it back on I promise it should removed off my credit report
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX AV XXXX, OH XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX  ) XXXX Balance : {$890.00} XXXX XXXX Balance : {$320.00} XXXX XXXX Balance : {$870.00} XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I opened my account with Wise so I can start transferring money from my XXXX XXXX to XXXX XXXX account for school. On XX/XX/2023 I sent a transfer from my XXXX XXXX to Wise ( to add to my Wise balance ). The amount was for XXXX . It was successfully received minutes later. I then went on to send another transfer of XXXX $ XXXX to Wise ( to be added to my Wise account balance ). They promise that transfers take seconds or up to 1-2 working days. Its XX/XX/XXXX and no update from Wise. I reached out to my bank and everything is fine on my end- they told me that the funds are blocked from the financial institutions that Wise uses. I called Wise multiple time and even escalated to supervisor who never called me back- they say they are awaiting and can not see anything on their end. Im getting the run around and I know wise has my money, they dont want to give it or add it. I call one last time and the agent XXXX mentioned I need to wait 4 working days for it to be added to my balance! 
I need the money added to my balance ASAP!
Product: Money transfer, virtual currency, or money service

I have two accounts with XXXX XXXX XXXX. 

SOMEBODY USED MY CREDIT CARD TO BUY THINGS FROM XXXX. THEY EVEN CHARGE ME ISA FEE. 

THE TOTAL AMOUNT IS MORE THAN {$3000.00} THE BANK SAYS THAT I APPROVED THE TRANSACTIONS THAT I DID NOT.
Product: Mortgage

An impound escrow was placed on my account due to unpaid taxes from the previous owner. I 've since paid the taxes to remove the escrow. I do expect a refund of that amount, but it is n't the source of this complaint. The escrow remains. After XXXX hours on the phone over the past six weeks, I still have not received any of the promised calls from a supervisor. My mortgage payment has doubled, and there is no one I can talk to.
Product: Checking or savings account

My wallet and phone were stolen at XXXX XXXX in XXXX. Multiple cards were used at various locations. I made fraud claims with U.S Bank and XXXX other credit card companies. The XXXX credit card companies ruled in my favor and provided credit for the fraudulent charges while U.S Bank denied my claim stating that the XXXX charges for {$480.00} from XXXX XXXX # XXXX and for {$760.00} from XXXX XXXX XXXX on XX/XX/2024 were due to the information provided, my transaction ( s ), account history, location, and pattern of use. I rarely use my debit card and don't recall ever shopping at XXXX XXXX. After denial of my claim, I asked to receive the documentation used during their research on XX/XX/2024 and was told I would receive it within 10 business days. It is now XX/XX/2024 and after 15 business day, I have yet to receive the documentation.
Product: Checking or savings account

On XX/XX/2024, I reported fraudulent charges to my checking account to Chase Bank. The bank said they would submit a claim and cancel my debit card. I advised the bank I needed to pay a bill using my debit card, and the bank advised me to first pay the bill and then dispute the fraudulent charges. I followed the bank 's instructions, paid the bill, and then disputed the fraudulent charges that triggered the bank to issue a new debit card. The bill payment was posted to my checking account on XX/XX/XXXX, and then Chase created a pending transaction in the same amount -- triggering my account to be overdrawn. I later learned the pending transaction ( in the same amount as the bill payment ) was triggered by Chase Bank, not the merchant to whom I made the payment because my debit card was reissued. Saturday, XX/XX/2024, visited the Chase branch at XXXX XXXX XXXX XXXX, XXXX, VA XXXX, and spoke with XXXX. Because the amounts are identical, with one transaction posted and the other pending, XXXX suggested disputing the posted payment. We submitted a claim while I was in the branch. XXXX also shared the claim would be processed and my funds would be returned by Tuesday, XX/XX/2024, and provided my with a printout of the XXXX transactions. The funds were not returned. I contacted XXXX customer service at XXXX and recounted the events that resulted in my account being overdrawn to XXXX. I asked that the dispute claim be completed and the funds returned to me. XXXX advised she could not do that and transferred me to XXXX. XXXX advised the dispute claim for the posted bill payment was not completed. I asked to speak to someone who could facilitate the return of my funds ( now held as a pending transaction for 3 business days ) and I was transferred to XXXX. XXXX explained the claim would not be processed because the merchant to whom I made the bill payment would be unpaid. XXXX also advised there was no clear timeframe for the pending transaction " to resolve '' and any timeframe he gave would be an estimate. It has been 5 calendar days and 3 business days since I raised this issue with the bank, and the funds have not been returned to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a notice on my XXXX XXXX on XX/XX/2020 of a late payment on a closed STUDENT LOAN account in which is no longer reporting on my XXXX credit REPORT because it has been REMOVED. This has caused my credit to go down 30 points. How can this account still be reporting payment history when it is closed and has been transferred to another company. REMOVE THIS ACCOUNT from my credit REPORT.
Product: Money transfer, virtual currency, or money service

We initiated an International Wire Transfer on XX/XX/, but we needed to make a correction to the recipient 's name. In our response to the Secure Message within the XXXX portal, we were informed that it would be at least a week or more before someone could address our request. This extended delay is deeply problematic, as our funds are currently held up in the process, and we are left without any immediate assistance or response from XXXX in the interim.