23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Someone went into my Paypal account and asked for XXXX cash I had a credit limit unused of over {$15000.00} instead of taking the fraud from the crdit card Paypal took it from my personal checking account we caught is called Paypal and place a dispute blocked the person requesting the money and called XXXX XXXX XXXX and stopped payment on it so the fraud wouldn't go through Paypal is still trying to pay the fraud and now have a XXXX again the paypal account asking me to give them XXXX to clear it but we filed fruad with them and I am having trouble fixing this. I have asked them for over 2 years to fix the wallet making the paypal credit card primary and ot use my checking accoung they said many times they would fix it but never did and now this huge problem for a XXXX amputee man I am so frustrated over this XXXX is a lot of money and I have been trying t o resolve this for a few days now and it is getting worse not better. I need this fixed and cleared up before more troublem please.
Product: Student loan

I uploaded a PSLF form for processing by Mohela. Three months after uploading the form, they finally responded and marked it " Duplicate Form '' when in fact it was NOT a duplicate form. This has happened twice now. The first time it happened the problem was rectified, however it took a very long time ( close to 6 months ). The current one I am dealing with has not been rectified despite my phone calls to the company ( each time I called I was on hold for 2+ hours just to speak to someone and then was put on hold again while they tried to fix the issue ). I was assured during each of these multiple phone calls that the problem would be addressed and fixed within 5 business days. These days came and went with absolutely no resolution to my issue. However, Mohela did send correspondence for me to update my information and also about payments restarting. Fortunately, I was able to have the payments deferred while they worked on resolving the issue. I have been dealing with this most current issue since XXXX with absolutely no resolution. I feel as though I am getting the run around ( mainly because the current form I uploaded in XXXX would put me at 120 payment which qualifies me for loan forgiveness ). If this were a late payment issue, I am sure Mohela would be going out of their way calling me and to get paid. Mohela 's action ( or lack thereof ) is blatant neglect and immediate action needs to be taken.
Product: Debt collection

As a consumer, I have the right to expect a thorough and timely investigation into my disputes, in accordance with the Fair Credit Reporting Act ( FCRA ). The inaccurate reporting of late accounts not only damages my creditworthiness but also raises questions about the reliability and integrity of the credit reporting process. I submitted disputes regarding inaccuracies in my credit report, particularly the reporting of late accounts. This lack of communication is both disconcerting and unacceptable. 
XXXX XXXX PLEASE UPDATE!!! I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX PLEASE UPDATE!!! I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX  XXXX - PLEASE UPDATE!!! I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I demand an immediate update on the status of the investigation into my credit report disputes. It is crucial that your bureau adheres to the FCRA 's mandates to ensure fair and accurate credit reporting. I also request clarification on why the inaccurate reporting of late accounts persists despite my disputes and the legal obligations outlined in the FCRA.
Product: Credit reporting or other personal consumer reports

I have had fraudulent mortgage chargers ( to my home loan ) for several years now FROM XXXX XXXX. I have received many emails EVERY month saying that my mortgage is in arrears, and I am in foreclosure. XXXX customer service rep recommended that I go into a branch and make extra payments ( which I did ). This is in addition to ; my monthly electronic withdrawal payments from checking account ( see attached ). XX/XX/XXXX, my principal balance was {$700000.00} ( see attached ). I made several requests for an amortization of my loan and XXXX has not complied. I requested copies of my electoral withdrawals ( because I misplaced my checking account statements ) copies and XXXX never responded. My original loan amount was {$120000.00} in XXXX now after 30 years XXXX closed my account XX/XX/XXXX. I made an estimate of {$270000.00} in added mortgage payments, Now XXXX XXXX ( whom I never heard of ) says I owe I them {$130000.00} after I have already made payments estimated at {$350000.00} XXXX ( see attached ) over the 30 years. I made large payments of {$55000.00} once in XXXX and {$50000.00} XXXX TO BUY DOWN THE PRINCIPLE. I made {$35000.00}. in XXXX that was to pay down on my principle, but they applied it to my payments to the interested. I never asked that the payments should go to interest because these judgments were fraudulent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, such, XXXX XXXX XXXX XXXX XXXX  REPRESENT XXXX  and these law firms sent me hundreds of letters with fake judgments. These judgments were added to my prinsple mortgage balance amount. Now I want to open a claim for {$350000.00} to recoup some over charged payments that were a result of these fraudulent judgments. 


XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Trans Union on three occasions about hard inquiries on my report. There were 59 of them in a 6 month span, and I advised them that I may have had only five of  them. I alerted them that someone may have gotten a hold of my info and were attempting to open credit in my name. They refused to remove any of them and advised me to contact all sixty of the hard inquiries and attempt to " work something out '' with them. Is there anything I can do at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the inaccurate reporting of payments and balance from the XXXX XXXX XXXX with TransUnion, XXXX and XXXX   multiple times and nothing was done to correct the issue. The investigation was not completed correctly and the information was not verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started dealing with this Mortgage Lender Owner XXXX from Crosspoint Funding a couple of months ago. He was referred to me and we had several phone conversations in which I gave him all my pertinent information he needs to pre approve me for a mortgage. He said I should have no problem at all getting a pre approval for a mortgage and he needed all my info.. I sent him all my private personal information and waited a month. Numerous times I was asked by his assistant for info that I already sent or for more information for which I complied. There was a it of time in between these requests like a week. When I would inquire he would tell me it looks like a tough case and he may have to use someone else. He said he would speak to another lender and let me know what he thought. I received a notice from XXXX XXXX that he pulled my credit. When I showed dissatisfaction and told him I did not want my credit pulled unless he thought it was definitely going to generate a pre approval and that I told him that on numerous occasions. His reply was " I dont like where this conversation is headed ''. I told him at least 5 times throughout this process, I did not want my credit pulled unless we agreed that it looks like it is a done deal getting approved. 
I waited another month and he said he was too busy to deal with it due to the current circumstances in the country and he was swamped.I expressed my dissaisfaction once again with his communication and follow through and again expressed that this is exactly why I didnt want my credit pulled. He said I verbally agreed. I never ever verbally agreed. 
This has hindered my ability to go somewhere else as they will need to also pull my credit which in turns lowers my credit score AND shows up as too many inquiries. I am very very upset as I have bought many homes in the past and always had to sign before credit was pulled.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX issued me a credit card from Synchrony Bank I have never once used this credit card however they are reporting a balance of {$820.00}. 

Incorrect information and I want it removed from my credit account they are reporting bad things on my credit report
Product: Credit reporting or other personal consumer reports

I really think they DNT look in to anything to fix the problem ... .. Long waiting periods on the phone just a hassle to resolve the problem
Product: Credit card or prepaid card

A year ago, on XX/XX/2018, I went to a store to realize that my credit card didn't work. I called the Bank which was Chase and ask about it, the agent told me that all my credit cards from Chase were closed and that no information can be disclosed until I will receive a letter about it. 
I had 5 chase credit card, the Chase Business Ink, the Chase Sapphire Reserve, the Chase Freedom Unlimited, the Chase Hyatt Credit card, and the Chase Ihg credit card. In addition, my wife that was an authorized user on one of my cards, got her only card closed ( the Chase Sapphire Preferred card ). 
Chase claim was that I was requesting too many credit cards in a short time and that was a payment made from another company once. 
Although I had these 5 cards with Chase, they were open over a long period of time ( 4 years ) and they had different purposes. I always paid my bills on time and never had high spending on those cards. My incomes were high enough to justify all the credit limit I had. 
I did pay off once my balance with a check from a company, this was because I had a contract with them and some of my expenses that occurred during my work with them were paid with my personal credit card. It was normal to reimburse these expenses directly from the company 's check. 
I called Chase many time and spoke with many representatives but no one was able to help me with this. 
I'm reaching out to you to help me with that.
Product: Checking or savings account

I overdrafted last summer after I was recovering from XXXX XXXX XXXX. 
It slipped and I forgot to bring the account even. I am guessing this is what the problem is. Couldnt login to move money to bring it to positive and begin closing process. 
Called the XXXX XXXX number to unlock my account. Said there was an issue and call the local branch. XXXX XXXX transferred me. The local branch had no answers and put me on hold. Call ended. I called back. Same problem. 
I live out of state from the local branch, so I signed a paper so she could fix it in my name. They ignored her. 
We were with State Bank and Trust beforehand when Cadence bought them. Theyve never been good and I have been mainly banking with XXXX XXXX, which is why this account got overlooked. I never used it for almost 10 years but my mother still banked there and it was easier for me to keep open for transfers. 
I just want to close the account and pay whatever it is I owe them so we are clean and honest and I can open a new account out of state. Which I cant because Cadence has filed something against me but I just checked my credit score and I see nothing there. XXXX XXXX XXXX, where I am trying to open an account, says Cadence has an issue with me so thats what started this whole thing. I just want to close my Cadence account and make it right so I can move on
Product: Consumer Loan

I co signed a loan for my daughter in law. When they did the loan they put me as the principle buyer and her as the co buyer but they put the title to the car in her name because she was making the payments and she gave up car up as trade in. I went to refinance the loan because she was filing bankruptcy and I did n't know how that would effect my credit. I told the lady at State Farm XXXX that I did n't know if it could be refinanced because of the way the car was titled in her name. She called us back and said there was no problem and we could come and sign the papers, my husband and I. My daughter in law called and asked her how she could do the loan with the title in her name did n't she need her to sign off on the title and she said she did n't need anything from her. So after XXXX days and still not receiving a memorandum title I called XXXX XXXX again and talked to XXXX XXXX the lady that did the loan she said she would call the bank. She called me back and said the title was at the title agency and that I would need to have my daughter in law go with me and sign the title overt to me that it was a clear title in her name. I asked why and she said that 's what had to be done. I told her before this even took place if this could n't be done to let me know. So now my daughter in law has a clear title to the car and the car and I 'm stuck making the payments. I had XXXX XXXX Bank investigate this and which has been going on since XX/XX/XXXX. Yesterday XX/XX/2016 Mo the recovery team person I 'm dealing with said he heard from the legal team and they were going to unwind the loan and reverse it and have the orginial lender pay them back the money they paid to refinance the loan. Today State Farm Bank called my daughter in law and asked her to assume the loan for the original refinance price at 0 % interest for which her attorney told her not to sign. I do n't feel I should have to pay for the incompetency of XXXX XXXX with State Farm XXXX because she did n't do the loan correctly. She was told numerous times the title was in my daughter in laws name and now because I have it investigated she stated she was never made aware of this. I told her and so did my daughter in law. ;
Product: Checking or savings account

I'm presently in florida for vacation, and i have been locked out of my card and account, and they wont give me any reason for it, I'm presently stuck in florida cause of this, I need my account asap
Product: Debt collection

I had a mortgage with Washington Mutual Bank FA. JPMorgan Chase became the servicer then claimed to own the mortgage when they provided absolutely no documentation to prove it. They began a deceptive foreclosure suit using the collections firm XXXX XXXX management and used all kinds of fabricated documents, assignments signed by XXXX employees, notes signed by XXXX employees and even the complaint was signed by XXXX attorneys who are not even licensed in the state of Florida. XXXX XXXX XXXX - Purpose of Business is servicing existing " MANUFACTURED '' home loans and they are not a registered debt collector. They even fabricated a loan remodification and would not provide us with a hamp loan stating we were unqualified. We made 6 payments and they told us to stop payments and then the foreclosure began. We called the FDIC and the OCC and both government agencies said to call the CFPB as it was all debt collection. This has been going on since 2009 and after speaking with JPMC corporate offices regarding all this fraud, we offered a " RESCISSION '' They told us to call XXXX XXXX for the rescission. We sent the letter and XXXX XXXX of XXXX Firm made a motion to the XXXX for a foreclosure auction. Neither JPMC nor XXXX XXXX had any real ownership or interest in the note and thus no right or authority to conduct a foreclosure. I had put down {$230000.00}. It appears this is a way of life for these banks. They steal families equity in the house. They appraised them 20 % higher ( eappraise ) and then there was the libor rigging by JPMC with the WAMUFA loans. Now the price is down and they want to steal your home for pennies on the dollar if you are not smart enough to catch the fraud.
Product: Bank account or service

My Commercial Checking Account at XXXX Remain unaccounted for To this date! The banks that took over First Union insists the Commercial Account was turned over to the Pa. Treasurer. The Pa Treasurer 's Office insists it had not been forwarded there. Wells Fargo, Wachovia and First Union Banks have all acted in concert with one another to conceal misfeasance and malfeasance stemming from an internal investigation which resulted in their own employees being named perpetrators in the 'bank fraud bust ' on XXXX XXXX 2000. My efforts to secure access to the account via Special power of Attorney since I was physically unable to appear in person, was to no avail. My account was restrained pending the outcome of the above investigation and should have been released accordingly. With Formal apologies for the grave inconveniences which were caused as a direct result of the aforementioned. Now that I have become physically able to handle my own matter, these corporate bullies insist on passing the buck and giving me the runaround as it were! Hence, I request attention to this matter through this formal complaint. Commercial Checking Account # XXXX XXXX XXXX XXXX XXXX , XXXX, Reference XXXX Commercial
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : 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 XXXX XXXX XXXX
Product: Credit card or prepaid card

I applied for the XXXX XXXX XXXX based on their offer of no annual fee and 0 % interest for military service members. I was approved for the card and confirmed th details of the offer at time of activation. Last year, I received notice that the offer would no longer be honored and I would be charged the annual fee of {$990.00}. I contacted the company to inquire why it was changing its terms and complain about this unfair practice, but was neither given an explanation nor offered a way to work through the change in terms. In essence, the company is forcing a previously undisclosed payment of almost {$1000.00} or pay-off of the entire balance. 

I am aware that other military personnel who found themselves in this position with the XXXX XXXX XXXX program have filed CFPB complaints and have been granted a fee exemption until end of XXXX XXXX XXXX. I respectfully request the same consideration as a XXXX XXXX on XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and I noticed some inaccurate accounts on my credit profile. I was unaware of these accounts so I disputed the accounts in question and requested an validation of the accounts and haven't received anything yet. These accounts are causing me harm due to trying purchase a vehicle and cant because of the negative items. Attached will be my letter and FTC report.
Product: Vehicle loan or lease

Had a one Payment extension Last year due to the COVID-19 pandemic Now Ally auto financial didnt keep their promise about putting the car payment to the end of the contract Ally auto financial is using harassing tactics phone calls every day on the weekends even call my job Multiple times they have threatened with aggressive letters as well upon checking my bank statement all payments have been on time i use my vehicle to make my income also they reported to the credit bureaus that Im 60 days late which is not true now I cant get any Business credit they added numerous late fees which is not true
Product: Credit reporting, credit repair services, or other personal consumer reports

A computer glitch that was Transunion problem - not mine - caused my inquires to be deleted. Transunion later added the all back onto m credit report without giving me the legally required Witten notice Five days prior to them being re-added. I contacted Transunion in good faith to ask them to delete the inquires that they had XXXXilleegally re-added. these inquires add a hardship and my rights were violated by Transunion. I ask that you please help me, and make Transunion to stop victimizing me. As a resolution I ask that all of my Transunion inquires be deleted PERMANENTLY from my report as a violation took place when they were illegally added.
Product: Credit reporting, credit repair services, or other personal consumer reports

I accordance with the Fair Credit Reporting Act, The list of the accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 ; 15 U.S.C 602 ( a ) ; 15 U.S.C 1681 602 A section 2 ; 15 U.S.C 1681 c ( a ) ( 5 ) ; 1581 U.S.C 1681 s-2 ( a ) ( 1 ). 

The accounts are listed with XXXX, Equifax and XXXX incorrectly and they are as follows : 1. XXXX XXXX XXXX Reported XXXX XX/XX/XXXX ; listed as date opened on XX/XX/XXXX and listed differently on Equifax and XXXX as well but with different opening dates. These are not reported the same and are not accurate ; 2. DEPT of EDUCATION : There are 15 different accounts listed under Dept of Education and XXXX XXXX XXXX ; The open dates on XXXX are all listed the same as XX/XX/XXXX, Equifax and XXXX have them all listed with separate individual dates that are completely different from the open dates on XXXX. The XXXX report has the dates on all as closed XX/XX/XXXX and then listed as reopend on XX/XX/XXXX. These dates are listed differently on the other XXXX reports and each of the opening dates are different days from the other. None of these reports match opening dates and closing dates on any of these accounts. 

The next account has XXXX listed as the original creditor and XXXX XXXX XXXX as collections agency. The opening and closing dates for this account differ on all 3 reports as well. They do not match therefore the info inaccurate. 

XXXX XXXX XXXX ; This account is listed as opening XXXX of XXXX and states that the account is closed. I am paying on this account from a Trust fund. It automatically comes from the account every month and its listed as closed on my reports but I am still paying. This accounts dates differ in all 3 credit reporting bureaus and therefore is inaccurate. 
My name is also listed differently on all XXXX reports. This is inaccurate as well. My last name is not XXXX and hasn't been in over 25 years. This is another inaccurate report and is hindering my getting anything done having to do with my protected info because my name is listed wrong and doesn't match the info I input, which is correct but not according to this report because its wrong.
Product: Money transfer, virtual currency, or money service

Around towards the end of XXXX XXXX XXXXXXXX I see multiple transactions to my bank account from cashapp and before i knew it money was starting to disappear and i called my bank to freeze my account to make sure nothing of mine was leaked and my cashapp account was hacked and they legit did nothing to even stop it i have two step and other security measures and they didnt even try to email me about a random claim of multiple hundreds of dollars being attempted to leave my account. thankfully my debit card bank was able to give me all my money back which is crazy cause i never even heard from cash app
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize the following companies to run my credit. 
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