23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

The lender has made it known that no help can be rendered to me. They have charged me outrageous interests that increased the principle heavily. {$600.00} was initially borrowed, and on several occasions, I have tried to reduce the principle but to no avail. The interest rates have made it difficult and I am very much fed up at this point. I just want to pay what I owe because the interest rates have been standard practice and I Intend to warn everyone I know about this company to stay away. Here are discord points : XXXX ) Aggressively leveling XXXX withdrawals without notice. 
XXXX ) Lack of communication. Customer service is unresponsive via phone and email requests are extremely slow that when a hold XXXX request is submitted, there is no response, leading to XXXX withdrawal anyways. This causes unexpected charges in the form of bank overdrafts from my financial institution on weeks that I do not receive paychecks when time off is observed XXXX ) Unprofessionalism in this matter. This company aggressively takes on the collection of interests for this loan and does not care for the customer. At this point, it seems I am working for the company 's benefit only. 

Please assist in bridging the gap to help find a lasting solution that is fair for me as a consumer.
Product: Mortgage

This is an extension to a former complaint filed a few days ago with NationStar. After XXXX Title Company tried to pay off the lender for my home the lender NationStar rejected the payment saying the payoff amount was short by XXXX but could n't tell us where that amount came from and why. They sent us a new payoff balance which stated that the new payoff amount was not short by XXXX but actually short by XXXX but again could not tell us why or what for. We spoke with XXXX different representatives who all stated that it was an error on their end when giving us the payoff balance but they could n't pin point what the error was from and how they got their numbers. XXXX Title Company decided to pay them the extra XXXX out of their own company funds to be done with the situation. Upon sending NationStar the new payoff balance with the XXXX difference somone mistyped and over payed NationStar by XXXX We contacted NationStar who said that they were unable to return the wired overpayment because their system showed the received the fund through a check not a wire. XXXX with XXXX XXXX gave them wire transfer information proving they were wrong and that the funds were indeed sent via wire. We spoke with a XXXX, XXXX who said that they would send the XXXX back but could n't until AFTER XXXX days due to NationStars policies. She then changed her story stating it could be done after XXXX days. She then again changed her story and said that we could put in a request after 18 days to try to get the funds returned and that it would need to be processed and if approved then we would receive it via check in the mail through XXXX. She said that she could not send the funds to XXXX XXXX that she could only by law send them to me. So now we have to wait XXXX days to received this check once it 's sent here to XXXX to me I have to signet over to XXXX XXXX and overnight it to their offices in XXXX. I 'm extremely irritated that NationStar changed the payoff amount AGAIN and can not tell us why. I 'm extremely irritated that they will not return XXXX Title Company 's money to them. I 'm extremely upset that they changed the payment received in their system in order to prolong the refund process. This company is beyond ridiculous, unprofessional, and fraudulent. Attached you will find the documents showing the payment differences the wire transfer and the over payment to them supporting my claims.
Product: Money transfer, virtual currency, or money service

Gemini is currently reviewing the issue and will reach out to XXXX XXXX through ticket # XXXX. We informed XXXX XXXX on XX/XX/year> that we are working on his issue and will notify him as soon as the process has been completed. We believe that we handled XXXX XXXX complaint in a manner consistent with our policies and procedures and our obligations to our customers. Our organization works everyday to improve our user experience, and strives for all customers to have a positive experience on our platform. Best, Gemini Trust Company , LLC. 
The statement up there was the last message I got from Gemini since XX/XX/XXXX I havent heard back from Gemini on how I am going to get my {$900.00} of the Gemini account its looking like a fraud now because I have been on this issue since XXXX of this year kindly help me because Im helpless Gemini wants to scam me of my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/22 to XXXX and Equifax to remove erroneous accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX and Equifax are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX  XXXX Balance : {$32.00XXXX 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
Product: Mortgage

On XXXX XXXX 2015 I paid a bill of a shortage extra XXXX The mtg bill was XXXX for a long time so I always pay on time always well the next month with out realizing it the mtg bill went up to XXXX but I had paid the same. Well XXXX is what his name I think he said was calling every night screaming at me. I explain that I paid the shortage not understanding it went up XXXX XXXX. Which I did send and not without a late fee and keep in mind there was never no notice of a increase. I feel abused I have always paid on time and I do n't feel I deserved to be treated this way and I want to make a formal complaint.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, someone hacked my friend closest friend phone number and begged me to help him by sending him {$1000.00} by XXXX because he wanted to solve an emergency case ... I was texting with him ... unfortunately, I didn't call him and I just XXXX  him the money because of the confidence we have for each other.he promised to refund my money the day after. That day, he didn't XXXX days after, I requested my money back to him and he said his number was hacked and he is not the one who asked for the money ... I contacted my bank institution, they opened the case, but today ( XX/XX/XXXX XXXX, the bank denied to refund my money because for them, I XXXX  the money that day with my consent..so I want you to help me get my money back, please. The email the used to XXXX  money is : XXXX... Please, help me to solve the issue..
Product: Credit reporting, credit repair services, or other personal consumer reports

In my previous complaint to Equifax # XXXX I submitted complete and accurate Identity Theft reports with fraudulent inquiries listed. Equifax applied a fraud alert on my credit report but did not remove the fraudulent inquiries from my credit report so that my credit file can report accurate information. If someone used my identity to attempt to gain credit then how could you possibly verify it with the creditor? They would have to produce my wet signature. I list several inquiries so what company needed authorization? It was never clear. I took the liberty of contacting these companies with the fraudulent inquiries listed and they all had no knowledge of Equifax or any other credit bureau contacting them. I keep getting automated responses. These fraudulent inquiries are damaging my credit file. It's your obligation to report complete and accurate information.
Product: Vehicle loan or lease

Wells Fargo repossessed my XXXX XXXX and then sent me a check for XXXX bucks. I feel they owe me more
Product: Debt collection

I have some issues with my credit report I have a unverified accounts Under the Fair Report Credit Act, you are required to comply with the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. My name is XXXX XXXX. 
AAS DEBT RECOVERY INC .
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXXXXXX XXXX  XXXX Balance : {$860.00} DEPT OF EDXXXX XXXXXXXX Balance : {$6300.00} DEPT OF EDXXXX XXXXXXXX Balance : {$9600.00} DEPT OF EDXXXX XXXXXXXX Balance : {$4200.00} DEPT OF EDXXXX XXXXXXXX Balance : {$4600.00} DEPT OF EDXXXX XXXXXXXX Balance : {$2700.00} XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} DEPT OF ED XXXX XXXX XXXX Balance : {$6300.00} DEPT OF ED / XXXX XXXX Balance : {$4600.00} DEPT OF ED XXXX XXXXXXXX XXXX Balance : {$2700.00} DEPT OF ED XXXX XXXXXXXX XXXX Balance : {$9600.00} DEPT OF ED XXXX XXXXXXXX XXXX Balance : {$4200.00} XXXX  XXXX Balance : {$27.00} XXXX XXXX XXXX : {$840.00} XXXX XXXX XXXX Balance : {$9600.00} XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX Balance : {$6300.00} XXXX XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXX Balance : {$2700.00}
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX, XXXX XXXX XXXX : {$540.00} XXXX  XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX Balance : {$780.00} XXXX XXXXXXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I mailed my dispute letter to Citi cards CBNA ( see Exhibit A ) and received their Response dated XX/XX/2022 ( see Exhibit B ). Their response notified me that they have not investigated my dispute. I writing this complaint because their response is unjustified, and I need CFPBs assistance in resolving this matter because Citi cards has provided XXXX different addresses for disputes ( see circled items in the exhibits ). 
My complaint is that this Citi cards account was never Delinquent or Included in Bankruptcy and should never have been reported that way ( see Exhibits C and D ).
Product: Mortgage

2013 XXXX proceedings ex took out a 2nd mortgage against the standing orders. I ended up selling the home and paying off his 2nd mortgage he took out. Iwas unaware of this. So unfair and wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking at my credit report after my identity has been compromised some time ago I've noticed many accounts inwhich I have absolutely any knowledge of, so big and some small but I'm still taking the same steps in removing and recovering them all. These reporting unverified items I'm disputing and asking for physical documentation for each. Documentation that will afford me physical evidence as stated in the FCRA literature. I want to know who, when, and where investigated these following accounts and I'm requesting an updated correct report. Items in dispute and requesting to block from report if not supported by physical and tangible documentation. 
1 ) XXXX XXXX XXXX {$55.00} 2 ) XXXX XXXX XXXX {$530.00} 3 ) XXXX XXXX {$490.00} 4 ) XXXX   XXXX {$370.00} 5 ) XXXX  XXXX  {$500.00} 6 ) XXXX XXXX XXXX {$3.00} 7 ) XXXX 's And XXXX {$220.00} 8 ) 11 XXXX XXXX {$200.00} 9  ) 11 XXXX XXXX   {$530.00} 10 ) 08 XXXX  XXXX XXXX {$370.00} 11 ) 08 XXXX XXXX  $ XXXX 12 ) XXXX XXXX  {$200.00}, {$490.00} 13 ) XXXX XXXX XXXX {$2.00} 14 ) XXXX/ XXXX {$510.00} 15 ) XXXX/XXXX   {$0.00} 16 ) XXXX/ XXXX {$0.00} 17 ) XXXX/ XXXX {$0.00}
Product: Checking or savings account

1 ) The Account Opening Date is referenced, but not specified, in the account documents for all my HSBC USA bank accounts. I need to know the opening dates of my accounts in order to correctly interpret my rights and obligations under the account documents, yet the bank refuses to tell me the opening dates. They claim it would be a security risk to disclose the opening dates over the phone, even after I have correctly identified myself through my voice print and personal data. They refer me to the account statements and other communications, yet these documents do not specify the opening dates. They refer me to my nearest HSBC branch, which is 25 miles from my home.

2 ) I still have not been given a specific reason why my access to my accounts was blocked, without notice or explanation, from XX/XX/2018, through XX/XX/2018.
Product: Mortgage

When applying for a mortgage with Flat Branch Mortgage Company I had a really bad experience with XXXX XXXX. I feel I was discriminated against because Im a XXXX Man. Everything she asked me for I supplied it and when she asked for a certain amount to be in my bank account I made sure it was in there. That was the last thing I needed to do to get my preapproval letter. She however came up with something else, she told me I needed to show a paper trail, she began asking me for all this other information to show where I got the money from because as far as she's concerned I could've gotten it from a " XXXX  Deal '' ... ..that is a XXXX comment and Im pretty sure she would not of said it to me if I was a white male. I complained to her manager XXXX XXXX and he backed her with everything and he was extremely disrespectful. I told her that was a XXXX comment and she said she was at a closing before and they found out the money was from XXXX  ... .I then asked her what does that have to do with me? I dont sell XXXX  or do XXXX  my Wife and I work everyday. I feel they are XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent multiple letters from XX/XX/XXXX to XX/XX/XXXX specifying accounts I saw on my report that are not mine and erroneous information was not deleted. Got no response at all after XX/XX/XXXX letter.
Product: Bank account or service

Wells Fargo opened a bank account with my social security number without my knowledge or consent.
Product: Money transfer, virtual currency, or money service

Hi I have ran into a problem on more than one occasion most recently being XX/XX/2023 at citizens bank located in XXXX XXXX XXXX XXXX XXXX XXXX My weeks pay generally arrives late by mail on XXXX  so I go to bank that does businesswith my employer so I can cash the check. When attemptingto do so the teller refuses to cash the check and tells me that I'm doingnothing wrong on my end and that my employer needs to do something in order for me to cash the check. I reply so what am i supposed to tell my employer to do because I can not let this happen again in the future. The teller explains to me that work will know what needs to be done on there end but she can not share that information with me to share with them. I then replied that I was upset with the process I also let her know the last time this happened all I did too fix it was go to a different Citizens bank to cash the check and why she was unable to do so. Her next answer did not make sense either. On this day I also went to differentcitizens branch and was able to cash same check that was deny cashing 20 mins earlier at said location. Im notsure if this a work issue a bank issue or both. But i am sure this is not a fraud issue i am in the bank every week they are aware I am there to cash a check and have no interest in opening an account. I provide ID and hand them a signed check issued from my employer city of XXXX and there bank please help fix this mess thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove accounts and inquiry that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint and I am including it again. 

EXPERIAN : XXXX XXXX XXXX XXXX Balance : {$39000.00} XXXX XXXX XXXX XXXX Balance : {$22000.00} XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : {$39000.00} XXXX XXXX XXXX XXXX Balance XXXX {$22000.00}
Product: Mortgage

I am filing a complaint in regard to a situation I currently find myself in with regard to my VA loan with Mr. Cooper ( Nationstar Mortgage ) and payments sent to them five weeks ago from XXXX ( administered by the Florida XXXX ). 

I have been awarded both past due and forward payments through the XXXX program in Florida. I submitted my award letters dated XXXX XXXX to Mr. Cooper XXXX XX/XX/XXXX I have been told by the Florida XXXX that funds were sent to Mr. Cooper XXXX XX/XX/XXXX, Two checks were sent together, one to cover the months of XXXX, XXXX, and XXXX in the amount of {$3400.00} and another in the amount of {$1100.00} for the month of XXXX. I confirmed that they were sent to the right address and had my correct mortgage loan account information on them. According to the Florida XXXX, both checks have cleared their bank. However, only one ( {$1100.00} ) has been posted to my mortgage account with Mr. Cooper. I have contacted customer service agents at Mr. Cooper repeatedly from the moment I received the award letters to as recently as yesterday. The only explanation I get is that they are processing payments as quickly as possible. However, there is no timeline on when the payment will be posted and I have been repeatedly reported as 90 days late to the credit bureau, despite the fact that the payment has been received and deposited by Mr. Cooper but not applied to my account. 

To add insult to injury I am getting multiple copies of a payment demand letter from Mr. Cooper in the mail every day demanding that I make full payment in the amount of {$3500.00} to avoid foreclosure proceedings. 

At this point, I have no idea what I'm supposed to do. I should not have to come up with {$3500.00} when the money has already been received by Mr. Cooper. Nor could I even do that if I had to. I had XXXX five years ago and the medical costs associated with that wiped out any savings we had. Add in a pandemic, other ongoing medical situations, and underemployment, and we just do not have the ability to make a large payment like that. If we could, we wouldn't have to rely on the XXXX program. This whole situation has added a lot of unnecessary stress to me. I sent an email to XXXX XXXX ( after being given her information as a contact for this matter ) at Mr. Cooper requesting that their " state fund assistance team '' please apply the funds to my account, but the only response I received from her was to say that she would forward it to the XXXX department for processing. Three weeks later I'm still waiting ......
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Fair Collections and Out Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : a Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

On XX/XX/2021 I received several emails to my personal email from LendingClub bank about a high yield savings account that was opened under my name. I contacted LendingClub bank and a account was opened in my name. I changed all passwords to emails and contacted XXXX to report this fraud. I also contacted LendingClub bank and closed the account.
Product: Credit reporting or other personal consumer reports

I had a lease with XXXX XXXX. No payment of mine was ever late. I purchased a new vehicle in XXXX of XXXX and the car dealership sent the payoff to XXXX. There was a termination fee that I owed which I chose to pay in an extended payment plan that was offered to me by XXXX since I didn't have all of that money up front. I made all XXXX agreed upon payments. The account was reported to XXXX and XXXX as " paid in full/as agreed, closed '' but was reported to Experian as XXXX paid in settlement ''. I have opened disputes with XXXX and Experian after more than XXXX phone calls between both companies. Both disputes were closed but no changes were made despite documentation and proof given. XXXX provided a paid in full letter that I gave to Experian but they didn't update the account to " paid in full '' as requested. They left it as " paid in settlement '' and closed the dispute. My score has dropped XXXX points from this mess.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. I wanted to apply for a mortgage when I realized that I had an account with Capital One that was unauthorized by me. My personal info has been compromised in a the XXXX Data breach and my information has ended up on the dark web. This account does not belong to me and I did not open it
Product: Checking or savings account

Good day, on XX/XX/2021 I attempted to open a business saving account at a XXXX. branch of Chase Bank. During the initial contact all the requested information provided to the Chase bank associate. A check in the amount of {$5000.00} from my federal credit union placed in the Chase bank system. I obtained via U.S. mail an ATM card at my office address. I went to an XXXX branch near my business office to review my account. I was told my account was closed. Assigned customer service at an another XXXX branch and followed up as to why my account was closed. I had a discussions with the Chase associate and online review with Chase Bank Compliance department. XXXX. 
Stated they needed more LLC documentation. The requested items were fax XX/XX/XXXX. Informed the account was okay. A few days later informed the account was closed. I have attempted to get my debited funds returned to date. I need an answer why the account was closed and why my funds are not being returned. Requesting this information in writing. I am a XXXX owned veteran business which has me thinking this is a civil rights violation.