23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a home loan with PNC I had a tragedy and lost my job and have had problems with making payments so I applied for a harsdship application starting in XX/XX/2017. I was finally approved for a forbearance in XX/XX/XXXX until XX/XX/XXXX. I was then told to fill out another application by XX/XX/XXXX which I did. In XX/XX/XXXX they started requesting the wrong information from me which delayed the process. They then said they needed me to resend information which again delayed the process. I asked about a deed in lieu and I was told you have to get the application process completed and then we can go over your options. 2 weeks ago they informed me my home was in active foreclosure. I am now very upset because I believe if it had not been for their long drawn out and inaccurate requests I would not have been in foreclosure and would have had other options available to me because I don't qualify for any because of my lie income I guess right now. I believe this is intentional. I do not believe I am the only one. The reason o say this is because in XX/XX/XXXX they did the same thing and when I questioned what they told me I needed over the phone their reply was what did the letter say? Now the letter is incorrect because they requested page numbers On the application that were not correct and it took a couple of weeks to determine what the actual page numbers that they in fact needed from me. The first supervisor urged me to let them handle it before I contacted you. The second one told me at first there was no agency that I can complain to that governs them. I then stated it contains a letter c or b in it and she then have me your information but followed up with it will go directly to her anyway. They did nothing to rectify the fact that because of them my application process took so long which now has me incurring additional fees when I could have qualified for something like a deed in lieu of foreclosure which I was told I don't even qualify for that now because I am in foreclosure. She went over like 4 or 5 steps I needed to do with a realtor in 5 seconds and I told her there was no way I was going to be able to write that information down that fast and I would follow through on my end with a complaint to the CFPB.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2022, I went to deposit a state rebate check issued to me. As I utilized the drive through to make the deposit, the manager from that branch was handling my deposit. He refused to cash my check because the check was under my married name. When I let him know that my valid ID has my married name, he refused and stated that its not valid. He would only cash it if I gave him my marriage certificate. He refused to let me show him my military ID with my maiden name on it. And he was being very rude to me from the start. So that same day I called the bank and filed a complaint. And today, XX/XX/2022, I received a letter in the mail from him saying that hes closing my account at that bank. I feel like he is retaliating against me and from the start on XX/XX/2022, I was being discriminated against by him. I had to deposit my check via the app and it went through no problems.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Subject : Formal Complaint Against Experian for FCRA Violation Dear Consumer Financial Protection Bureau, I am writing to lodge a formal complaint against Experian for its blatant violation of the Fair Credit Reporting Act ( 15 USC 611 ) by refusing to remove an inaccurate charge off account from my credit report. 
Account Information : Creditor Name : XXXX XXXXXXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/XXXX Amount : {$4000.00} Despite providing evidence that the charge off account is incorrect, Experian has neglected its duty to conduct a proper investigation and continues to report this false information. This is a clear violation of my rights under the Fair Credit Reporting Act. 
I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take necessary action against Experian for its non-compliance. I seek the immediate removal of this inaccurate charge off account from my credit report and appropriate penalties for Experian 's disregard for federal law. 
Thank you for your swift action in addressing this egregious violation of my consumer rights. 
Sincerely, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX. XXXX : XXXX
Product: Debt collection

Experian has charged my credit card XXXX plus times for a membership I did not create. I have tried canceling the membership online to no avail. I have tried numerous times to call Experian to cancel this membership to no avail. I have spoke. With my credit card company and they have to dispute the charges and Experian keeps making attempts to charge the card inspite of my repeated attempt to cancel this membership. I want this member never signed up for is canceled for good.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This information is injuring my consumer report and I request that you correct this information immediately. I assume 30 days is a reasonable amount of time for your investigation. After your investigation, please provide me with an updated credit report as well as the names, addresses and telephone numbers of the individuals that have been contacted. 

I insist that you cease reporting these accounts as late on my credit report immediately. Failure to comply with this request may result in legal action being taken against your agency. 
The information I am disputing is as follows : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I leased a XXXX vehicle through Chase for a XXXX XXXX XXXX XXXX. 

I was sent a letter from Chase bank notify me that if I released another XXXX, they would pull me out of up to five payments. 

When I went to the dealership, they informed me ( basses on what Chase told them ) that I had eight payments left on my car. The dealership agreed to make three of those payments for me, and that would satisfy my obligation. 

It turns out that I only seven payments were owed on the car, and had the bank accurately notified the dealership, my negotiations with them would have been differently based on the fact that I did not owe as much as the bank was stating. 

This indicates deception, or at a minimum misleading information being provided to both the dealership and me as consumer. 

Whats more, the bank continued to bill payments after I turned in the car ( on XX/XX/XXXX ) and as of today, they have given me no indication that I will reimbursed for those payments.
Product: Credit reporting or other personal consumer reports

Personal information was made public to 3rd party agencies as well as inaccurate information on my personal consumer report without my expressed written consent in writing. I also believe but can not verify that XXXX as well as other 3rd party agencies benefitted monetarily in sharing my restricted private information.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$1500.00}, {$480.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- STUDENT LOAN 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1500.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$480.00} -This is not my account.
Product: Checking or savings account

I inquired to seek clarification regarding the {$530.00} that was withdrawn from my savings account on XX/XX/year>. I have been apprised of an outstanding balance on my accounts, specifically {$130.00} for the checking account ending in XXXX and {$970.00} for the checking account ending in XXXX. TD Bank has conveyed that this balance is being managed by a third party, XXXX XXXX, and that it is my obligation, in conjunction with this entity, to rectify the matter. 

Upon further inquiry with TD Bank, the Recovery Department confirmed the aforementioned withdrawal from my savings account. I emphasized that we had established an agreement to effectuate the deduction from my checking account rather than my savings account, irrespective of the funds available in the checking account. I explicitly authorized the deduction to be executed from my checking account ; however, the withdrawal was erroneously processed from my savings account. 

Furthermore, I formally requested documentation of the outstanding balance, along with the telephone records that substantiate our agreement regarding the deduction from my checking account. During a recent visit to the newest TD Bank branch to seek additional clarification regarding this transaction, the staff at the XXXX location informed me that, due to my outstanding balance, they were unable to provide an elucidation of the transactions specifics. When I solicited documentation of the outstanding balances and the aforementioned phone records, I was advised to contact the TD Bank Recovery Department. 

Regrettably, TD Bank has not acquiesced to my requests for this pertinent information. I would greatly appreciate your expeditious attention to this matter and kindly request that you provide these details at your earliest convenience.
Product: Debt collection

XXXX acct approx. XXXX to XXXX. Several attempts with service problems unresolved with repairmen & {$60.00} modem/router XXXX said we needed to fix problems with my opposition stating that was not the problem. The modem/router did not fix the problem ; with multiple unresolved calls to XXXX to return and get reimbursed for the machine..they could not give me any info to send it to and would not remove the {$60.00} charge from my bill. I tried to return the machine to local XXXX store but they had no way to return it nor any info to help me return it either. I do not know what was wrong with XXXX about this issue. Wrote letter with no response..talked to different departments and supervisors without resolve. The last time the internet was out & reporting it for service once again ; the tech did not show up and XXXX had no records of appointment. I then told the agent to disconnect the service that was totally dead again. The acct should have stopped then with the bogus {$60.00} nonreturnable machine ... but att kept billing me and no resolve with the worthless machine. I still have the machine and packaging. I was shocked by this service from XXXX. I then went to comcast with a higher bill for service. I need a disclosure of verification of debt. Plus this debt has been reaged with false information on my credit report.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Aldous & Associates , PLLC Subject : Demand for Immediate Removal of Inaccurate Credit Report Entry Dear Aldous & Associates, I am formally disputing an inaccurate debt that has been wrongfully reported to my credit file. The alleged debt, associated with my XXXX XXXX membership, was resolved and should never have been reported to the credit bureaus. Upon signing up with XXXX XXXX, I was assured that any outstanding balance was wiped out, and I was not responsible for any further charges. 

This inaccurate reporting is damaging to my credit, and I demand that it be removed immediately. Under the Fair Credit Reporting Act ( FCRA ), you are legally required to ensure the accuracy of the information you report. Since this debt is invalid, you must correct or delete this entry from my credit report. 

I expect written confirmation within 30 days that this erroneous account has been removed from my credit file. If this matter is not promptly resolved, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and explore further legal action. 

Please confirm the removal of this account in writing as soon as possible. You may contact me at the information provided above if further clarification is needed. 

Sincerely, [ Your Name ]
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XX/XX/XXXX Trans Union LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the XXXX above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here is the list of inquires thats on my credit profile with XXXX, XXXX and Equifax these items are fraudulent and have no relation to me and I have sent FTC reports and letters to the credit bureau and they tell me my excuses each time as to why they didnt remove the items stating I didnt have dates of the inquires. Then stated they couldnt verify my identity Ive submitted numerous of items disputing these fraudulent inquires to no avail! and wasted hundreds of dollars sending certified mail and still got no results! This is unfair and hindering me from purchasing a house please remove these items XXXX XXXX Inquiry date XXXX XXXX, 2022 XXXX  XXXX Inquiry date XXXX XXXX, 2022 XXXX Inquiry date XX/XX/2022 XXXX XXXX XXXX  Inquiry date XXXX XXXX, 2022 XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, 2022 XXXX XXXX XXXX Inquiry date XXXX XXXX, 2022 XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 XXXX XXXX  XXXX Inquiry date XX/XX/2022 XXXX XXXX  XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 2022
Product: Mortgage

This has been reported to the XXXX XXXX XXXX already. And thankfully, a Lien was narrowly avoided being placed on my house. So no action is needed in terms of paying the overdue escrow anymore. However, I have significant issue with the response from the business in which they don't accept responsibilty for their error, as well as providing factual inaccuracies. Due to this, I feel the need to report what happened to a US Government agency. So please accept this complaint as a record of what Mr. Cooper 's actions were, and please pass this along to any appropriate authorities. 

Mr. Cooper is our current mortgage lender for our home. I had an Escrow payment of {$680.00} due way back in XXXX XXXX XXXX. Mr. Cooper was supposed to pay this from my Escrow Balance far in advance of it being due, as stated so directly on their website. A Lien was being threatened to be placed on my house on XX/XX/XXXX of 2022, all because Mr. Cooper made a mistake and dragged their feet in rectifying it. My Escrow Account Balance was {$8000.00}. That was more than enough money in the balance to pay the XXXX tax, but Mr. Cooper refused to do it for weeks despite my pleading. I contacted Mr. Cooper multiple times through phone and online chat, as did the Realtor that sold the property to us. Mr. Cooper kept saying that they would " investigate '' it, but nothing would ever happen. Meanwhile, my family 's mental well-being suffered greatly with the threat of a Lien being placed on our home, and seemingly nothing we could do about it. The customer service agent I spoke to on the phone even confirmed that they had purchased my loan back in XXXX of 2022, and that they should have been the ones to pay the XX/XX/2022 Escrow Tax. There were sufficient funds in my Escrow Account, and the Escrow Tax was almost 5 months overdue. I have evidence of countless occasions of me begging them to just pay the bill before I got a Lien on my home. They wouldn't do it for weeks. They were also provided with a copy of the Lien Notice from the town of XXXX XXXX XXXX. 

Additionally, I accrued late fees because of Mr. Cooper being 5 months late on paying the Escrow Tax. {$22.00} in late fees were added to the tax bill. Mr. Cooper did end up paying these late fees out of their own pocket, but I wanted to note the late fees because Mr. Cooper has tried to claim that the taxes weren't due until XX/XX/2022 in their response to the XXXX XXXX XXXX. This is clearly not true because if the taxes weren't due yet then there wouldn't have been any late fees to pay. They also tried to claim that their investigation showed no error on their part, which I find insulting. I have yet to even be told by them WHY they didn't pay the Escrow Tax Bill back in XXXXXXXX XXXX XXXX despite them having taken ownership of my loan in XXXXXXXX XXXX XXXX. I have no idea how this happened, and all I got in response from Mr. Cooper was them claiming they did nothing wrong.
Product: Payday loan, title loan, or personal loan

Upon receiving the response from eagle loan I hereby want to start a lawsuit against the things that eagle loan company has wronged me on. Number one issue is they call me every single day of the week u days a week amd lied about it. Number two my signature was not the signature used to sign the check and I was not the one who cashed it out, I reported it as stolen to the police and they were not able to do much about it other than stated I should try to get eagle loan to completely forget the debt. Again I repeat I will not pay any more money for a loan I did not sign for or cash out! If the loan isn't forgiveness due to these factors I will have no choice but to file a lawsuit for the unjust actions of the members including branch Manager for purposely still making me pay off this loan I will to every event I have continue to disagree with the fact that i should not be held liable since my signature was forged as well as the check being cashed by someone who pretenses to me. Another thing that I wish to state is that when they do Call they tell me they have threatened time and time again with various actions.
Product: Money transfer, virtual currency, or money service

I would like to bring your attention to a serious issue I have with Coinbase wires that first took place on the XXXX of XX/XX/2019. 
I have been victimized by a multilayered scam operation orchestrated by XXXX XXXX and XXXX XXXX. 
The funds were transferred utilizing Coinbase 's services in the total amount of XXXX XXXX! 
I would also like to point out that on XX/XX/2019 - I filed a dispute with Coinbase.
Product: Consumer Loan

I had a vehicle reposessed and immediately paid the outstanding amount. I was n't even aware that I was behind on my payments since they were set to " auto pay ''. To add to the problem I moved during that time and my mail did not get to me. It continues to be reported as a suit or judgement to all XXXX credit agencies and is demolishing my credit rating, as well as my ability to qualify for various jobs.
Product: Student loan

This is my third complaint about Maximus Education, LLC, dba Advantage. They continue to send me reminders and new payment plans. I'm a member of the XXXX vs XXXX class action lawsuit, and my loans are set to be XXXX and should have been XXXX on XX/XX/. I have requested that they stop over the phone and via email several times, but they continue to provide false information about my loans. This company 's horrible policy of automatically changing customers ' payment plans without consent has caused a delay in my loan discharge. And now I am being told that if I don't submit some paperwork in 3 days, my monthly payments will go up 300 %. There is no protection or recourse for student borrowers. Stop harassing borrowers with false information and process our loan discharge.
Product: Bank account or service

My company used TD Bank for our merchant services. Their fees were much higher than what they had initially quoted. Therefore I moved the merchant services to another bank. TD Bank refuses to stop charging me {$28.00} per month for the merchant service even though there is no longer any merchant services. It is a small amount but they are in fact stealing my funds in my opinion. They also say I am under contract and to terminate the services I would be forced to pay more fees. I am not under any contract and feel this is just bullying on their part.
Product: Credit card

I paid down ( Approximately XXXX XXXX ) my Cedit Card by XXXX with a XXXX XXXX XXXX XXXX ( photo of Money included prior to mailing ) by mailing the Money Order to Citicards. I kept checking my card balance to see if the payment was ever applied to reduce my balance. The Balance was never reduced and the I found out from the XXXX XXXX XXXX that the Money Order was cashed on or about XXXX XXXX, 2016. I have filed papers with XXXX XXXX ( also included ) requesting an investigation. I have also requested CitiCards ( Payments Investigation Dept ) to determine who cashed my Money Order made out to Citicards. I also forwarded to Citibank copies of my paper work to XXXX XXXX requesting an investigation ( paperwork also attached ). 

I am aslo forwarding to the CFPB copies of documents forwarded to Citicards and XXXX XXXX.