23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Pennymac is making it unreasonably difficult to gain access to insurance funds in order to make repairs for damage sustained during Hurricane Ida. First, they insisted on having a contractor make simple repairs that I could have done on my own. Instead I have to wait for months for a contractor to be able to get to me due to it being a disaster area. Then, while submitting the required documents they deny their own forms, stating that they do not accept that form ( substitute for w-9 ) even though the form was taken from their own list of required documents. The company never calls back when they say they will and has never been able to provide an acceptable explanation for making things so difficult. They requested that I complete the repairs on my own, with my own funds, then they will release the insurance funds once I pass a final inspection. So what is the point of having insurance if they want me to pay for the repairs myself. The likely answer is that they're making money off of investing all the homeowners ' insurance money they're holding in the market.
Product: Checking or savings account

Wells Fargo. I had applied for a checking account. I was approved and when I funding my account. My money was taking and it didn't reflect on my account and then Wells Fargo closed my account for no reason or no explanation.
Product: Checking or savings account

At first I received email notification ( XX/XX/year> ) that my accounts with Wells Fargo would be closed if I did not provide " Physical/Residential Address - Mail box address not allowed, update address & provide address verification. '' I have had these accounts for over two decades. Due to successive periods of unemployment, and despite having a XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I am still unemployed and have been homeless since XX/XX/year>. I need my checking account to stay open to receive weekly unemployment benefits, so I can survive - feed myself and house myself temporarily at the XXXX XXXX. 

My friends and family do not want to be associated with me. The XXXX XXXX is providing only weekly temporary shelter. 

The Private Mail Box ( PMB ) provides a physical address, so that address should be sufficient. Wells Fargo has been sending mail to that PMB since XX/XX/year>, so I do not understand this current communication from Wells Fargo " If your information is not updated, we are required to close your account ( s ). '' Further, in their notices both through the mail to this same physical address I have provided and the emails I have received from Wells Faro, Wells Fargo has not provided the phone number for their legal department so I can address this issue. Also, in these notices, Wells Fargo has not provided the name of the institution or contact information for the institution " requiring '' this physical address that is not a " mail box. '' This regulatory overreach is impacting me and my family very negatively. Closure of my checking/debit account will mean that I can not receive my only source of income - my weekly unemployment benefits- to feed and house my family. Further, this account complication is at a time when my family is most vulnerable financially and physically.
Product: Debt collection

debt collection placed lein on House for debt I have no Idear of
Product: Credit card or prepaid card

LOWES CREDIT CARD/SYNCHRONY BANK HAD REQUESTED AND CONVINCED ME INTO AUTOPAY METHOD OF PAYMENT, SINCE I DO TRAVELLING KIND OF JOB AND, SOMETIMES OCCURS THAT I DO NOT RECIEVE MY STATEMENTS. 
I NOTED AN UNENDING/UNRESOLVED CONTINUED PAYMENTS FROM THE COMPANY, EVEN THOUGH AUTO PAYMENTS WERE MADE DIRECTLY FROM MY BANK ACCOUNT - XXXX  XXXX XXXX. I CALLED THE COMPANY, AS I WAS VERY MUCH CONCERNED AND TROUBLED THAT A SMALL AMOUNT REMAINING OR OWED COULD LAST FOREVER. 
I DISCUSSED WITH A FEMALE CUSTOMER SEEVICES, RELAYED MY CONCERN/PROBLEM. SHE TOLD ME THAT, BACK IN 2008, AN INTREST FEE WAS APPLIED TO MY ACCOUNT, AND THAT WAS WHY MY PAYMENT GOT EXTENDED. I INFORMED THE COMPANIES REPRENTATIVE THAT I HAVE AN AUTO PAYMENTS ARRANGEMENTS, AND I DID NEVER GOT REMINDER LETTER OR AN ALERT TO NOTIFY ME OF THE PROGRAM ENDING SOON. I WAS NOT MADE AWARE OF THE ABOVE PROBLEM, AND WAS CHARGED INCREASED RATE, ON A SMALL AMOUNT THAT I COULD HAVE PAID OFF.
Product: Credit reporting or other personal consumer reports

Had a credit check from Bank of America that I did not initiate, I have no dealings with Bank of America whatsoever.
Product: Debt collection

A company called " THE BUREAUS INC '' is reporting on my credit claiming to hold an old debt by XXXX XXXXXXXX XXXX. I do not owe this debt, XXXX XXXX XXXX was paid, so I do not know who or why this still shows. I've tried disputing this with proof of payment to all XXXX credit reporting agencies and no one actually calls to verify the information and remove this information.
Product: Checking or savings account

On XX/XX/XXXX at XXXX XXXX  XXXX, I received an email from Upgrade : Your account was suspended Hi XXXX, Your XXXX XXXX XXXX  ending XXXX account has been suspended due to unexpected activity. You will be unable to transact on your account until this suspension has been lifted. 
Please contact Upgrade Customer Service on ( XXXX ) XXXX as soon as possible to resolve this suspension. 
Thank you, Upgrade Customer Service A few hours later, I called customer service and was told that they could see that my account was suspended but could not tell me for the reason for it ( their internal review department did not share that information ) nor a timeline for resolution ( when asked the customer service representative said that usually it does not take more than 30 days ). 

On XX/XX/XXXX, XXXX XXXX  XXXX, I called customer service to get an update. The representative XXXX XXXX ) could not provide me with any more information. I asked to speak to a supervisor ( XXXX ) who said that he could see that my account was being reviewed but did not have any more information on a resolution timeline. He said that he knew some people that worked in that department and would try to get more information from them. I asked him to call me tomorrow with an update and told him that I was filing a complaint with the XXXX.
Product: Debt collection

FRAUDULENT INQUIRIES DELETE IMMEDIATELY. 
Jpmcb card services XXXX, DE XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNT FOR XXXX XXXX XXXX STILL REMAINS ON MY CREDIT REPORT. THE ACCOUNT NUMBER IS : XXXX. THIS ACCOUNT MANAGED TO GET REMOVED OFF OF XXXX, YET EXPERIAN NOR XXXX HAS DONE ANYTHING ABOUT THIS MATTER. I KNOW THAT I HAVE EVERY RIGHT TO DISPUTE ANY NEGATIVE INFO ON MY CREDIT REPORTS AS PER MY KNOWLEDGE.AS PER THE FCRA, ACCOUNTS ARE SUPPOSED TO GET REMOVED AS LONG AS THEY'RE NOT VERIFIABLE, ACCURATE, NOR COMPLETE.
Product: Credit reporting

Experian XXXX, XXXX collection was removed after I sent ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX, ACCOUNT NO. ; XXXX {$1900.00} police report & District Court of Maryland for XXXX XXXX County case # : XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX MD XXXX SENT NOTARIZED LETTER SIGNED BY XXXX XXXX XXXX ( XXXX ) XXXX RESIDED AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX. 
COMMITTED FRAUD USED MY INFORMATION AND OBTAINED XXXX PHONES FROM XXXX WHICH CREATED THIS COLLECTION ON MY CREDIT REPORTS. IT WAS REMOVED AND NOW IS BACK ON. THIS IS VERY UPSETTING SINCE I AM IN A HOME BUYERS PROGRAM " XXXX ''. THIS RE POSTING OF THE FRAUDULENT COLLECTION IS PREVENTING ME FROM GETTING A HOUSE FOR MY GRANDDAUGHTERS AND I, A DREAM I HAVE HAD FOR A LONG TIME ME AND MY GRANDDAUGHTERS. I NOW HAVE CUSTODY OF AND WE ARE LIVING IN A XXXX BEDROOM APARTMENT BECAUSE OF THIS AS WELL. IF YOU CAN HELP ME GET THIS PERMANENTLY REMOVED FROM MY CREDIT REPORTS ONCE AGAIN I WILL BE ABLE TO PARTICIPATE IN THE " XXXX '' AND FINALLY GET MY GIRLS A DECENT HOME. ALSO I HAD STUDENT LOANS THAT WERE EXPUNGED AND SHOULD SHOW THEY WERE SATISFIED AND PAID ON TIME.. PLEASE HELP ME AND MY GIRLS XXXX WILL BLESS YOU I AM SUREXXXX XXXX XXXXXXXXXXXX
Product: Checking or savings account

I am writing this formal complaint regarding the handling of my chase checking account ( # XXXX ) and the wrongful restriction placed on my funds. 
On XX/XX/year>, I deposited a third-party check in the amount of {$12000.00}, which was signed over to me by my sister, XXXX XXXX XXXX Before making the deposit, I specifically asked the bank teller whether I could deposit a third-party check that was properly endorsed to me. The teller assured me that this was permissible. 
Following the deposit, I was informed that a 10-day hold would be placed on the check, making the funds available by XX/XX/year>. However, on XX/XX/year>, I received an alert from Chase stating that my accounts required further review due to alleged suspicious or fraudulent activity, leading to account restrictions and a potential closure. 
I have made multiple attempts to resolve this issue, including numerous calls to Chase 's fraud department and an in-person visit to my local branch. Despite my efforts, I have been met with no resolution or clear explanation regarding the status of my funds. 

As a newly single mother battling XXXX XXXX XXXX XXXX, this situation has placed a severe financial and emotional burden on me. My XXXX daughter depends on me, and I have critical XXXX and XXXX XXXX  scheduled. The funds in question were signed over to me specifically to help cover my medical expenses. Chase 's failure to release my money as promised has significantly impacted my ability to manage my medical care and financial responsibilities. 
I filed a XXXX XXXX complaint on the grounds that Chase Bank has failed to fulfill its obligations as my financial institution. Now I am submitting a formal complaint to the Banking Commission regarding Chase 's mishandling of my account and unjustified withholding of my funds. 
I demanded an immediate resolution to this matter and the release of my funds without further delay. 

As of XXXX chase has closed all of my accounts and still has the funds from the check deposited, after cashing the check. My sister can not call the IRS to cancel the check due to it being cashed. This has been a total injustice.
Product: Credit reporting

I went to annualcreditreport.com this month to obtain my free reports. For the past 4 years, Equifax has been the only CRA that refuses to grant me online access to my report. They always deny access and instruct me to request my report in writing. Again, this is the fourth consecutive year. I complained about this once before ( a couple of years ago ) to CFPB, and Equifax mailed my credit report at that time. Please fix this.
Product: Checking or savings account

I was granted a PPP loan as a XXXX XXXX and XXXX XXXX of XXXX XXXX XXXX, and funds were disbursed on XX/XX/2021 did not take out the funds based on the facts my bills for XXXX XXXX XXXX  of XXXX XXXX XXXX was not yet due, and as of XX/XX/2021 the hardship that Capital one has caused my business  is unmerited and I am filing a complaint for discrimination  against my race and business entity
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXXXXXX XXXX  XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX Balance : {$16000.00} XXXX XXXX  XXXX XXXX Balance : {$16000.00}
Product: Checking or savings account

2000. Was stolen in XXXX pa. 
At XXXX XXXX auto. BofA card was used 5 years ago. 
XXXX. Was stolen by XXXX XXXXy and XXXX  XXXX at XXXX XXXX XXXX pa XXXX XXXX XXXX bank. 

There is no investigation and nothing is being done about this!! 

Bank of america headquarters should be helping me with this and they are not!! 

Bank of America Corporate Center, XXXX XXXX XXXX XXXX, XXXX, NC XXXX. 

The attorney general is next and FBI!! 
FCC? 
Ftc? 
Supreme court and everything is in DC. 
And I have XXXX lawyers now so I should be getting help If BofA takes a XXXX!!
Product: Money transfer, virtual currency, or money service

I paid for an e ticket through Paypal but the seller did not send the link.
Product: Debt collection

Hunter Warfield Inc. states XX/XX/year> and account was open with them for the amount of that I have no knowledge of. I have no contractual agreement with them and this goes against my constitutional rights USC 15 262.
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration and concern over the incorrect information that has been reported on my credit file. I want to make it abundantly clear that the items listed on the following pages do not pertain to any transactions I have made. It appears that someone, or some entity, has unlawfully used my personal identifying information to obtain goods, services, or money without my authorization, resulting in these erroneous entries on my credit report. I have taken the appropriate steps to address this issue. I filed a formal report with the Federal Trade Commission, which is attached to this letter, and have been in contact with the relevant agencies and creditors, who have been cooperative and guided me to this point. I understand the gravity of my request, and I want to emphasize that this is not being made in error or with any intent to deceive. I declare under penalty of perjury, under the laws of the United States, that the statements made herein are true and correct to the best of my knowledge. I am fully aware that any knowing and willful misrepresentation of material facts is a federal criminal offense, punishable under 18 U.S.C. 1001.

Additionally, such misstatements are also punishable as perjury under 18 U.S.C.

1621.

Despite my efforts to file a police report, I was informed by my county that, without specific information on the individual or entity responsible for this identity theft, they would not file the report. This has left me in a difficult position, but I am determined to clear my name and correct my credit file. I appreciate your time and attention to this matter and trust that you will take the necessary actions to rectify these inaccuracies. For security purposes, I have included a copy of my identification on a separate page. 

EVERY ADDRESS BELOW IS TOTALLY 100 % INACCURATE .... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, XXXX XXXX via TD AUTO FINANCE add a hard inquiry on my credit reports. But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX I noticed multiple accounts, inquiries, addresses and phone numbers on my credit file that did not belong to me. I disputed the fraudulent accounts with XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX and received letters from each bank concluding the accounts were fraud and I had no financial responsibility for these accounts because of it. On XXXX XXXX, XXXX I forwarded my police report, victims statement, proof of identity and letters from XXXX XXXX XXXX and XXXX concluding that each account was fraudulent. I sent the dispute via certified mail with XXXX. Equifax received my mail XXXX XXXX, XXXX. As of XXXX XXXX, XXXX each fraudulent account continues to report on my account. I called Equifax today, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX at XXXX am CT and spoke to XXXX. I asked why these accounts continue to report on my Equifax file when I sent all necessary documentation proving it to be fraud. XXXX, who was very rude and abrasive, informed me that the accounts were " verified as being mine. '' I informed XXXX the accounts are fraudulent and are not mine, in addition each bank has agreed to them being fraudulent via the letters I was provided and provided Equifax with. Per my rights with the FCRA, Equifax had 30 days to complete my dispute and remove the fraudulent accounts. I never received any documentation in the mail saying the investigation was complete and the accounts were verified as mine either. I then asked XXXX for a method of verification letter with all certified documents that were exchanged between Equifax and the banks of the fraudulent accounts, as a consumer I have a right, per the FCRA, to be provided this information. I have a right to know what documents were exchanged, who Equifax spoke to at XXXX XXXX XXXX and XXXX, what information was provided to conclude these accounts belong to me, etc all within 15 days of the request from the consumer. XXXX informed me he will not be sending me a method of verification letter, which is violating my rights! If these fraudulent accounts are not removed immediately I will be contacting a lawyer and filing suit, there will be depositions involved and subpoenaing of records and phone calls. I do not want to go down this road however if this matter is not resolved immediately I will do so. This erroneous entries on my Equifax report is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If Equifax choose not to provide the requested deletion or requested method of verification letter I requested of their " investigation '', I will pursue the enforcements of my constitutional rights via federal court proceedings. In the meantime I will like to file a complaint with you all against them. I had no problem getting XXXX and XXXX to remove these fraudulent accounts however Equifax is being difficult even after I provided ALL necessary documents to prove these accounts are fraud.
Product: Bank account or service

I am a current customer of the North Carolina State Credit Union. I have my checking account and a savings account with SECU located in XXXX XXXX North Carolina. 
I have direct deposit of my Social Security Disability check being deposited into my checking account each month. I recently closed a checking account due to it being compromised and opened a new account for direct deposit. The old account was closed on XXXX XXXX. XXXX XXXX XXXX SECU allowed a unauthorized debit from a business in the amount of XXXX to be debited from the closed account. There were no funds in the account and the account was closed. I did not authorize this debit nor did I have any knowledge of a bill from this company. 
I went into the branch and was informed that SECU allowed this debit on a closed account. This has put my account XXXX XXXX on hold. 
My sole income is XXXX a month from Social Security disability. I am a disabled person on a fixed monthly income and because of this fraudulent transaction I am in need of help with this matter, This has left me with no means to support myself or my children. I had no knowledge that SECU would allow a debit on a closed account. 
Please contact me I need help with this matter. 
XXXX XXXX XXXX XXXX nc XXXX
Product: Payday loan, title loan, or personal loan

I have applied for loan through first heritage credit and have not heard from them about my application. I have not received any letter in the mail for denial or approval. I am sure I have been denied but I am legally entitled to an adverse action letter. I havent received anything. My credit has been checked by them as I can see it listed as an inquire on my credit report. I have called a couple times to a couple different branches and I havent been able to get any information about anything. This is not the proper or legal way to do business. I applied for a personal loan on  XX/XX/XXXX and now it is XX/XX/XXXX and I haven yet to get any kind of answer as to what happened or to get a letter in the mail.
Product: Mortgage

Please be advised that I have tried since Wednesday, XXXX XXXX, 2017, to obtain a letter of mortgage reinstatment from our mortgage company, Seterus , Inc, XXXX XXXX XXXX, XXXX, CT, XXXX. There contact number is XXXX. 

I have spoken with several Seterus representative 's asking for this document. I have asked that the document be faxed to my attention. The representatives state it takes 5 days to mail. I have waiting five days and it still has not arrived via fax. Then I was that it had been mailed instead of faxed to which I have not received in the mail yet. I find it unacceptable that it would take this long to fax a document. I have read customer reviews indicating the same complaint with delay in receipt of documents. 

In conclusion, I have attempted to work with Seterus by being patient, making several calls, but no documents. I have even been told by Seterus representatives that this matter has been escalated to administration. However, no resolution. I am in the process of finalizing a loan to pay my mortgage current, but can not obtain the funding without this reinstatement letter. Please help. 

Thank you XXXX and XXXX XXXX XXXX XXXX Loan # XXXX
Product: Debt collection

XXXX XXXX XXXX, XXXX sent me court documents in the mail on a inactive case in which the judge ruled in my favor on XX/XX/2015. She tried to deceive me with the information that she sent me. She did not file a new Civil Action : with Superior Court Of New Jersey Law Division-Special Civil Part XXXX County. The documents stated that I had to respond in 7 days to opposed or unopposed, if not, the order of garnishment of wages will be carried out. Back around in XXXX was her first attempt to collect my debt and this is her second attempt to collect my old debt in the amount of {$6900.00}.
Product: Student loan

My loan was recently transferred from XXXX XXXX to XXXX. I was never notified about the transfer in writing, I only found out when I tried to log into my XXXX online account to make a payment on my loan. This gave me a message that the loan was transferred, and I would need to go to uheaa.org. I created an account on XXXX, but my loan does not show up. My loan due date is approaching, and the only advice I received from XXXX customer service was to wait a few days since they were still transferring accounts. This process has been completely unprofessional and disorganized, I have yet to receive anything in writing explaining the transfer, and only verbal confirmation that I will not be penalized since I have no way to pay my monthly bill until they complete the transfer.