23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX, NC, XXXX XXXX XXXX XXXX XXXX XXXX, VA, XXXX XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX {$740.00} XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA, XXXX XXXX  XXXX XXXX XXXX : {$200.00} XXXXXXXX XXXX XXXX Balance : {$230.00} XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$740.00} XXXX  XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX, NC, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX  XXXX Balance : {$200.00} XXXX XXXX  XXXX Balance XXXX {$230.00} XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX Balance : {$740.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Checking or savings account

Chime closed my account without warning and took the money that was in my account. I had {$800.00} in savings when they closed my account. It has been a month and still no more eye has been sent back to me. I never received a reason or a letter from chime.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

I was Denied Credit by XXXX XXXX XXXX, based on an EQUIFAX Credit Report I am in XXXX But have a US Phone Number XXXX I have contacted Equifax MULTIPLE TIMES requesting a copy of my credit Report, as required by Federal Law : The Fair Credit Reporting Act. 
EQUIFAX Continues to send me NON RESPONSIVE messages rather than Providing my Credit Report. Normal mail takes 5 1/2 weeks to arrive, therefore I have requested that my credit report be E-Mailed to me at XXXXXXXXXXXX. 

I have Provided them Every Piece of Verification Information Required to establish my Identity, Including my US Passport, My Current Philippine Drivers License ( Showing my Address ), A billing statement from XXXX, showing my address and Letter from XXXX showing Denial of Credit My contact info is as follows : US Phone in XXXX XXXX XXXX XXXX in XXXX XXXX XXXX Phone : XXXX XXXX XXXX XXXX Cell Phone XXXX XXXX XXXX XXXX Sound is not good on Cell. 
XXXX : XXXX Email XXXXXXXXXXXX XXXX XXXX : XXXX XXXX
Product: Mortgage

XXXX XX/XX/XXXX second loan with this bank two separate loans. First was XXXX XXXX dollars purchase single XXXX home XXXX XXXX no land attached. XXXX XXXX XXXX notorized and requested my XXXX XXXX XXXX dollar loan with land as collateral for purchase of XXXX XXXX, location XXXX XXXX XXXX XXXX valley XXXX XXXX of XXXX XXXX. Deed recorded at Auditor 's office XXXX XXXX XXXX of XXXX. Washington Mutual Bank gave me XXXX XXXX XXXX dollars XXXX XXXX. XXXX XXXX XXXX passed XXXX land deeds to XXXX XXXX XXXX first was recorded in XXXX Wa XXXX of XXXX. Other XXXX XXXX XXXX stamped XXXX WA XXXX of XXXX. Public sewer did not come in too my property till the XXXX of XXXX XXXX. My XXXX mobile sat empty till XXXX of XXXX. JP Morgan Chase has been trying to bully me out of my land, I requested their research department to secure the land deed and Estimate acreage from their XXXX Wa Branch XXXX XXXX. They did nothing. First complaint to Attorney General XXXX XXXX public XXXX ref. Complaint XXXX of XXXX. Ref complaint of XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH capital one and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Mortgage

XXXX XXXX ( closed complaint ) transferred a federal funded payment after your involvement to XXXX XXXX XXXX XXXX on or after XXXX XXXX XXXX. Less than two weeks after transfer, began receiving threatening letters re : Foreclosure from Shellpoint. After your intervention, XXXX sent the entire federal fund to Shellpoint. However, Shellpoint due to malfeasance, will not correct the XXXX since XXXX, XXXX. Repeatedly issued mortgage statements reflecting a past due debt on XXXX which does not exist. Two charges XX/XX/XXXX and XX/XX/XXXX in one week for Unnecessary Housing Inspections-No Notification to me. Shellpoint will not refund - Add second Complaint due to placing late charges on my account. The Federal agency and XXXX completed Housing inspections before issuing the Federal Payment less than one month ago. 

Shellpoint -- Three supervisors and One Middle manager promised correction to my mortgage statement by XX/XX/XXXX. No correction. Errors remain. My first complaint : do not want any flags on my credit report nor threatening letters when I do not owe any past due payments. If errors remain these actions Shellpoint will take. Have nothing to prove otherwise. My monthly payments are timely as of XX/XX/XXXX. Also address issuance of information to third parties. I have rescinded authorizations. Shellpoint should email their acceptance and receipt of rescinded authorization. 

Third complaint ( see attached ) is XXXX XXXX XXXX NY- failed to disclose a checklist of items needed to apply for XXXX XXXX loan notified after sending any required items of additional items not found in any checklist provided. Failure to notify me through communication via email or phone a need to contact my Servicer.
Product: Mortgage

Refinance XXXX with Bank of America. I didn't XXXX my house was only XXXX at the time. I received XXXX. My address was changed with the postal service without my knowledge. Have letter from postal service for identity theft. My loan is at XXXX. I didn't receive that money. I been having identity thief for over 20 years. Didn't know how serious it was. Was t paying g attention. XXXX  my only daughter XXXX In XXXX my mortgage was XXXX still have coupon book
Product: Payday loan, title loan, or personal loan

The company is Santander consumer. I was not able to make payments with the title loan back in XX/XX/XXXX. I tried to make arrangement to get back on track. The only option was to pay over {$2000.00} in ten days or give them the van. I gave them the van. A man came and picked up the car. They did not have to tow just drive away with a full tank of gas. I was told they would sale the van in a month  and get a statement if anything else was owed. I did not hear a thing for years. In XX/XX/XXXX they called my husband. Not me who was the only one on the loan. At first he kept telling them he didn't do this loan. After time we figured out who they were. We asked for a full report for we did not get one three years ago. This loan is not on his credit report. When we finally got the paper work it was confusing. By the time they sold the car the principal balance was {$1.00}. But a misc. Fees of {$330.00}. When asked what those fees were, anyone we talked to in the company refused to tell us what the misc fees are. We told them that if they can't explain the fees then why would we pay them for nothing and we could pay them the {$1.00}. They said no you have to pay the fees. When asked them how we can get this solved they just said pay and now they are charging more. On my credit report it now says I owe {$780.00}. This company waited for over 3 years to tell me I owe them for fees that wont or cant explain and now they just call and call and still refuse to work with us.
Product: Checking or savings account

Deposited a money order on XX/XX/XXXX at ATM at a branch. Was not given {$220.00} available funds immediately as US Bank account rules state. All funds appeared to be put on hold. 

NO COMMUNICATION ever from US Bank -- there must be some rules about bank holding funds and at least communicating about it. I went to branch on XX/XX/XXXX and spoke with teller. She stated that 7-day hold, funds would be available first thing on XX/XX/XXXX. On XX/XX/XXXX no funds available. XX/XX/XXXX no funds available. XX/XX/XXXX called US Bank XXXX line -- very unhelpful and stated that US Bank DOES NOT COMMUNICATE when holding customer funds- phone agent could do nothing and hold investigations " usually complete '' in 7 business days ( big difference ), but could take longer. Funds were finally available on XXXX. 

There must be rules violated here about a bank not accepting their own deposit rules ( available immediate funds ) and then not even communicating with a customer about holding their funds. Please let me know what other regulatory agencies need to be aware of this so this practice stops.
Product: Mortgage

I received XXXX letters from OCWEN in XXXX XXXX XXXX Florida requesting that I submit a completed Tax Identification Form XXXX. The requested information was sent along with copies of SS card, loan document statements and a cover letter ( return receipt requested & returned to me ). A follow up conversation revealed their request was satisfied ; they had indeed received the information. Now, two days later I received a phone call from " collection agency '' stating they will be deducting money from my account if form not received. I advised that I will be paying off the loan before their XXXX XXXX, 2016 deadline. 
This is harassment!
Product: Bank account or service

On the XXXX of XXXX 2015 my US BANK debit card got stolen. The XXXX thing before calling the police that I did was to call the bank to block my card. They claim a XXXX service and ironically could not block the card as there was a server maintenance and upgrade was in process ( which is ridiculous ) and the thieves took out all my savings through XXXX! Being an XXXX studies in USA, It is extremely disappointing to experience such low standard customer service. Even a XXXX like XXXX has a XXXX times more better customer service than what I experienced here! The bank wanted me to file a fraud claim with them so that they could credit the stolen amount and investigate on the case. Later if they find the fraud activity to be true the credited amount is mine and if not they would take back the money. I did all the form filling and submission and the police report submission on the third day that is XXXX of XXXX, well within the time limit. But I did not receive a single update on the proceedings. I have called them every XXXX days until today, and the only thing I get to hear is I am on hold. Today I was on hold for more than XXXX minutes and then eventually they schedule a call back for me which can take more than XXXX hours and I am supposed to just wait. They wanted me to wait till the XXXX of XXXX to call them back. So I waited patiently hoping to get the provisional credit by then. Nothing happened and not even the fraud department knows an answer as to why such a delay. I have not eaten food or paid my rent or my tuition fee in school as I am just waiting for a simple response from the bank. Even XXXX students are much more professional and responsible than the US Bank customer service. Extremely unsatisfactory performance. I feel that either they do not understand the severity of the situation or they just do not bother! I am helpless and have been through a lot.
Product: Student loan

I have a loan through Firstmark Services. The monthly repayment is {$490.00}. I can not afford this monthly payment due to my financial situation. I am unable to refinance the loan because I do not have a cosigner and my debt to income ratio is too high DUE to my student loans. 

I reached out to the lender and they said they do not offer any flexible loan repayments, income driven repayment, etc. and the only option I have is to pay the $ XXXX. 


I am wanting to refinance the loan to receive a lower monthly payment or be put on an income driven plan but Firstmark won't work with me or even offer any other options. 

I am a XXXX XXXX XXXX and qualify for the PSLF loan through the Federal loan program as well as the income driven repayment plan.

I would like to report Firstmark for not offering ANY options when it comes to repayment and making it impossible for people with student loans to afford to live and pay back their loans.
Product: Money transfer, virtual currency, or money service

{$40000.00} sent from Coinbase account to an unknown outside wallet without my authorization or knowledge on XX/XX/25. Did not receive any notice of this transaction. Reviewed my transaction history and saw the transaction. Have tried to talk to a live rep from Coinbase to find out what happened looks like identity theft. Have not been able to talk to a live rep, however, was able to live chat explained the issue but rep only told me crypto XXXX was sent to an outside wallet that he would not identify, he/she, I asked for my total account balance which he did not provide. He then locked my account and signed off. My account balance seems to be {$0.00} from the Transaction History Report.
Product: Debt collection

I visited XXXX XXXX XXXX on XXXX in XXXX, TX multiple times throughout the course of XXXX and XXXX and gave them my up-to-date email address, phone number, and permanent physical address each time I visited. On XX/XX/XXXX, I visited their XXXX  and paid the {$30.00} copay before receiving their services. I was tested for XXXX, strep, and the flu. At no time during the clinic was I told that I would be charged out-of-pocket costs for these tests, and I was not given a bill while at the XXXX. XXXX ( parent company of XXXX ) never contacted me through phone call, text message, nor email about the {$150.00} that I owed to them. No residents of my permanent physical address received a bill or a notification of the debt either. XXXX failed to notify anyone of this debt. I was not made aware of this debt until today, XX/XX/XXXX after I received a text message from Harris & Harris Ltd. that read, " [ My first name ], Harris & Harris is a debt collector for XXXX, '' with links to their website as well as their phone number to pay the debt. It provided no other information about my debt until I logged into Harris & Harris ' consumer portal. XXXX gave Harris & Harris an outdated address despite the fact that neither I nor any of my family had resided at this specific address since XXXX of XXXX. ( I had been taken to other facilities within the XXXX system while I was a minor, and living at this outdated address. ) I had never provided XXXX XXXX XXXX on XXXX in XXXX, TX with this address, and had solely given them my current address from XXXX onward. The clinic passed my debt off to Harris & Harris before ever reaching me through phone call, text message, or email, and without billing the address I had provided them with at time of the visit. I suspect they have been sending bills to the same outdated address that they provided Harris & Harris Ltd. with, which I have never given to them as a valid permanent address since I've visited their urgent care.
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Checking or savings account

I filed a complaint with Bank of America on XX/XX/year> I deposited my check at an ATM. On XX/XX/year> and a hold was placed on it till XX/XX/year>. As of XX/XX/year> funds are not available hold extended to XX/XX/year>. This a Bank of America check to a Bank of America account. It seems they cant verify the B of A check in their system in a timely fashion. This is my pay check and a similar check was presented to this account on. XX/XX/year>. This is a use of my money with out reimbursement.
Product: Credit reporting or other personal consumer reports

I viewed my Credit report and there are Inquiries From Transunion that are not mines. I filed an identity theft report because they were not authorized by me. There are inquiries from XXXXXXXX XXXX XXXXXXXX XXXX that were not submitted by me. My only address should be the address that is submitted on my Identification. I have attached a copy of my state ID for identification and address validation. There should not be any other addresses on my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 1. 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 has violated my rights with these unauthorized inquiries. 

. Date Reported XX/XX/XXXX Other Address XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX, VA XXXX Date Reported XX/XX/XXXX Other Address XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date Reported XX/XX/XXXX Other Address XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX I've never lived at these addresses listed above.

15 U.S.Code 1681 Section 602 A. States I have the right to privacy.

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

15 U.S.Code 1681c. ( a ) ( 5 ) Section States : no consumers reporting agency may make any consumers report containing any of the following items of information other than records of convictions of crimes which antedates the report more than seven years. 

15 U.S.Code 1681s-2 ( A ) ( 1 ) A persons shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

On XX/XX/XXXX I purchased a vehicle I found on XXXX. The vehicle was listed by a dealership in XXXX XXXX Indiana. All pricing/delivery terms were agreed to. The selling dealership proceeded to fax in the documents required for funding. The bill of sale the dealership sent was not the original that I signed. USAA released the funds to the dealership which opened the loan in my name. The dealership committed fraud by not delivering the vehicle. I called USAA as soon as the delivery time was missed ( within a few days ) to inform them of the fraud situation and they refused to help. I uploaded the police report to USAA 's portal and requested the bank 's Fraud department to investigate and cancel the invalid loan. I have no vehicle title to send to the bank as the vehicle that was " sold '' to me actually belongs to it's rightful owner in another state. Now this open loan will show as a lien on a innocent bystander 's vehicle that has no idea of the situation. 

My loan contract contains a clause stating that I am giving USAA a security interest in a XXXX XXXX XXXX XXXX but this clause is not met because a legitimate vehicle purchase never took place. 

Additionally, I understand that both USAA and the bank that received the funds ( XXXX XXXX XXXX XXXX ) have policy 's and protocols in place to protect consumers from fraud. ( Bank Secrecy Act, 31 U.S.C 5311 / FINRA Rule 3310 ) I have been a USAA customer for over 10 years and both USAA and XXXX XXXX  XXXX XXXX failed to protect me as a consumer. I am requesting the CFPB to investigate this.
Product: Debt collection

I called XXXX XXXX XXXX to schedule a routine appointment. Confirmed by their receptionist that they accepted my insurance. About three visits in I was then told that they do not accept my insurance and I would have to pay for past visit plus this one. I do not believe that is fair to be as a patient to have to pay when I was told not one visit but multiple visit that my insurance was accepted. I shouldnt be held accountable for a mistake made by them. If I was told that my insurance was not accepted I would have went else where. Its the company negligence that cause the miss information and as a company they should not hold the patient responsible and provide better training for their employees to make sure this doesnt happen in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  account # XXXX is showing as a closed account on my credit report. This account is full of inaccurate information such as my correct legal name, address, as well as false signature. 15 U.S.C sec. 1681i ( a ) states that a thorough investigation must be conducted by the credit reporting agencies providing all accurate proof of the legitimacy of this account or it is to be deleted. I have no idea who did this. 15 U.S.C 1681 also states that credit reporting agencies have a obligation to report fair and accurate information as I also have a right to privacy and confidentiality protecting me from false, inaccurate or incomplete credit reporting that is damaging.