23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Payday loan, title loan, or personal loan

O was looking for a loan a personal loan and I found an add on XXXX about a compang that grant personal loans. I contacted the on theyre website and after I complyed with theyre demands and payed XXXX XXXX XXXX upfront fees they didnt gjve anything and they dont answer to my emails Www.accessloanservice.com XXXX XXXX XXXX the persoan witch I payed the money in a XXXX account
Product: Bank account or service

I HAVE A VERY LOW VISION PROBLEM. PNC, MY BANK KNOWS THIS. PLEASE EXCUSE THE CAPS.BUT I CAN NOT WRITE THIS NOTE WITHOUT THEM. MY BANK IS CONTINUING TO TAKE ADVANTAGE OF ME AND MY XXXX. THEY ARE TRYING TO GET ME TO WAIVE MY RIGHT I BELIEVE BUT I CAN NOT READ THIS TINY PRINT EVEN WITH MY ASSISTIVE DEVICES. THEY HAVE TAKEN ADVANTAGE OF ME BEFORE AND CONTINUE TO DO SO AS RESPECT HIGH UNDISCLOSED FEES AND RETURING MY CHECKING EVEN THOUGH I HAD ACTIVATED AN OVERDRAFT CREDIT LINE WITH THEM. ThEY REFUSE TO HELP ME WITH THESE PROBLEMS. NOW THEY SEND ME SOME TYPE OF WAIVER NOTICE, I THINK, THAT I CAN NOT READ. MY NEIGHBOR THINKS IT IS TRYING TO GET ME INCLUDED AN ARBITRATION ONLY RELIEF OF THEIR UNKIND AND UNREASONABLE ATTEMPTS TO PUNISH ME FOR FILING A COMPLAINT WITH YOU. I HAVE ASKED PNC BEFORE TO SEND ME ONLY LARGE PRINT NOTICES. THEY REFUSE. I AM XXXX IN MY RIGHT EYE AND CAN NOT READ WITH MY LEFT WITHOUT ASSISTIVE DEVICES WHICH HAVE LIMITS. I FEAR THAT THEY ARE TRYING TO TAKE AWAY FROM ME MY RIGHT TO APPEAL TO YOU FOR HELP. THEY HAVE RECEIVED MY XXXX CHECK BY DIRECT DEPOSIT FOR MANY YEARS. THEY KNOW THEY WILL GET IT. I LIVE ON IT. AFTER ALL THE FEES THEY HAVE PUT ON ME I AM VERY WORRIED. I AM XXXX AND SHOULD NOT HAVE TO KEEP WORRYING WHAT TRICK MY OWN BANK IS GOING TO TRY ON ME NEXT. PLEASE HEL P ME. 
XXXX
Product: Debt collection

The company is CCS companies calling my place of employment to collect a debt. I do not want them calling my place of employment at XXXX, XXXX XXXX Government. My name is XXXX XXXX and can reach me at XXXX.
Product: Prepaid card

Ordered from a new site XXXX not many reviews for it but decided to still purchase. Upon receiving the item, I notice theres a noticeable stain at the front. I contact the company and question the condition, they claim its brand new. I feel otherwise about it so I ask for a return since this item was sold to me not in the condition the website claims. They respond back that its final sale. Sounds like a scam.
Product: Payday loan, title loan, or personal loan

I paid my loan off in XX/XX/XXXX. My local store shut down and all titles from TitleMax were supposed to be sent to Corporate Office. I have been in contact with them and they say they have not received my title. Almost like my title is somewhere lost. Theyre providing me with false information, stating that I spoke with someone yesterday and my last call to them was on Friday. I never called them yesterday.. at this point Im very frustrated because I have a car that I need to sell, but dont have a title for
Product: Payday loan, title loan, or personal loan

Onemain Financial XXXX XXXX had provided us with a XXXX loan a year or more ago, we've been paying that off at XXXX/month, they called us and asked if we'd like more money, we set up a time and came in and they said they could pay off our car and loan and roll everything into a giant XXXX loan at XXXX/month. Since we were getting ready to sell our house we expected to pay it off within 60 days. Went down to the office on XX/XX/14 and tried to pay it off, thats when they informed me we still had the orig XXXX loan AND the XXXX loan, even though we only got XXXX cash out of the big loan. Thats a total of over XXXX and XXXX per month. NOT WHAT WE AGREED ON and the loan signing was all on computer and it didn't make it clear we were getting a SEPARATE loan on TOP of our orig loan. Not once did they tell us that, make it clear, or check if we can actually afford a nearly XXXX dollar payment. I feel this is wrong and deceptive, we are currently shocked, upset and deeply hurt by this fraud. We are now on the hook for XXXX we rightfully thought was rolled into the new jumbo loan. 

Onemain Financial XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ky XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I requested Experian to " investigate ever piece of information '' in in complaint # XXXX ( CFPB ). 
According to the FRCA the term " investigation consumer report '' means a consumer or portion thereof in which information on a consumer 's charter, general reputation, personal characteristics, or mode of living is obtained through personal interview with neighbors, friends or associates of the consumer reported on or with whom he/she is acquainted or whom may have knowledge concerning any such items of information. 

Experian stated that my account were verified, but how? How is it possible if they did not do a proper investigation according to the law? According to the FCRA 15 U.s.c. 1681 everything has to be accurate. I request proof that Experian did there investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : XXXX XXXXXXXX XXXX Account # : XXXX has violated my rights. 

XXXX5 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 an account without my written instructions. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person 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: Credit card

XX/XX/2016 I asked AMEX to add my Mother XXXX XXXX to my account. They have done everything but do that. They have sent all kinds of letters and email. When we write AMEX back they never do anything. They asked me to go to my bank and get them to write a letter to AMEX stating that I have an account with them ( XXXX XXXX ), I have dont all that they have asked. I want them AMEX to response to my letters and help me manage my account.
Product: Credit reporting or other personal consumer reports

It's been a out XXXX now. Several years ago i had a breach on my information on the XXXX system. They got all my information. Everything. I was notified but did not take it seriously. I don't know why. Also I had been someone who rarely checked my credit. I never had a problem do I thought things were OK. It wasn't until after the breach, about XXXX year that I got a notice from XXXX banks thanking me for opening an account. Then I got scared. I guess who ever did it never changed the address. I immediately wrote to the banks and told them it was not me it is fraud. It was at that time I started taking an interest in my credit. As time went by I found many accounts that were not mine. Once was XXXX XXXX because i got a collection letter from XXXX XXXX. I wrote them a validation letter. I asked for certain things which they never supplied. They kept sending me a statement. Well, that means nothing to me. So, this battle won't on. Now. XXXX XXXX is involved and I guess XXXX XXXX is out. XXXX XXXX seems to think that fraud can't happen. They keep sending me statements and giving me an ip address which is not mine. They keep telling me its me. I ask how do they know for fact. Well, let 's face it they don't because all they say is there investigation is done and they deny my claim. I have asked for proof and nothing. All they can say is there was an investigation. They make us sound like fraud never or can't happen. Are they real? 
Attached you will see all the letters that have been sent and now they are going to report on my credit. How can they do rhat without showing real proof. Not a statement. Statement means nothing to me. So, why are they so set on doing this. I had someone purchase a used car on my credit, pay for it for 2 years with no issues. They must of had a paperless statement. Because I don't know how it was done. It just boggles my mind. So, you see it does happen and maybe XXXX XXXX ends a refresher course. It's gone too far now. If it was mine I would have paid it. There are a few others on my credit that are not mine. Most companies have removed them. I had a collection that was not mine and they could not verify it so it was so ordered to be removed by the court. This whole thing is ridiculous. 
Thank you for your cooperation in this matter XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX my mom called XXXX  XXXX  support from my telephone. While on the phone with XXXX  XXXX  the other party went into my acct and made 3 transactions of XXXX, XXXX and XXXX . There was another wire transaction for XXXX . The  only reason I found out about it was because XXXX  XXXX  emailed me telling me that my XXXX  XXXX  acct was unlinked from my email acct. I called the bank immediately after the email. It was within an half hour of the transactions. The bank opened 5 fraud claims. They gave me half the money which was XXXX $ and told me the other half is my fault for downloading the XXXX XXXX. I've had XXXX XXXX  for years and have never had this problem. Wells fargo usually emails me if I spend even XXXX. All of a sudden they stopped emailing me. When I called the bank, the bank told me that the hackers hacked my online acct and registered my wire transfer to transfer money and and then unlinked my online banking. I went to the XXXX police dept and got a police report as well as printed out paperwork showing what happened. The police officer told me he would give the paperwork to the fraud detectives. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy a house and I realizes that I had damage on my credit reporting according to the 15 USC 1681S-2 ( F ) reporting information during COVID-19 pandemic accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contact, or any assistance or relief granted to consumer who affected by the coronavirus disease 2019 ( COVID-19 ) pandemic during the covered period. Covered period ended on XX/XX/XXXX you have 120 days after XXXX XXXX. 

Please fully verify the information below. They have been marked as late. Please remove any inaccurate information from my credit report as quickly as possible. Here are the items that I am requesting a verification of Creditor Account # 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 REMOVE ALL EXTRA NAMES ON MY CREDIT REPORT MY NAME SHOULD READ XXXX XXXX XXXX XXXX
Product: Mortgage

In XX/XX/2016 I fell behind on the payments due to the tenants not paying and wrecking the property. I let Bank of America know that I could not both fix up the property and make the mortgage payments. I applied for a HARP refi but was denied. They started the foreclosure process. I asked them for the full amount needed to stop the process and where to send the verified check. I sent them the funds. They lost the check and continued with the foreclosure. When they located the check they took the funds and promised that the foreclosure would be reversed. I have been sent a statement every month since and paid it on time. I found out that they never reversed the foreclosure and still have Bank of America as the recorded owner of record on title. I need to sell the house but can't because they are listed as the owner. I have tried several times over the past few months to get them to respond. They transfer me from dept to dept. I never get a call back or any update in the mail. They have basically stolen a house from me and continued to take my mortgage payments. Please help in any way you can to help me get my house back in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/14i visited XXXX XXXX dental office for extraction inform them at time of visit that i changed dental insurance from XXXX XXXX XXXX to XXXX XXXX gabe my XXXX XXXX card paid my copay and the billed XXXX XXXX XXXX and XXXX XXXX for services when XXXX XXXX inform me and said for them to resubmit without XXXX XXXX on bill they did not my XXXX XXXX # XXXX group # XXXX i work for XXXX XXXX insurance automatically come out my pay i ask XXXX XXXX if i could pay one dollar just to get it of my report they refuse dont see how this could be my fault if the billed incorrectly XXXX remove it and so did XXXX. XXXX wont even let me file a dispute again
Product: Mortgage

Refused the opportunity to do an in-house FHA Streamline Refinance when I was eligible to do so in XX/XX/XXXX. The underwriters of the company, PHH, kept trying to insist that I had been late on my mortgage even though I paid within the grace period and was NEVER late. They had the records within their company showing such and I even offered to provide my credit report to validate my claim despite the fact that could go through their records and see it for themselves. I even had my Relationship Manager with the company send over a statement stating that I had never been late and was still denied the ability to refinance. 

I put my account in forbearance in XX/XX/XXXX following the fiasco following the denial under the impression that they were going to fix the issue on the underwriting side. At the time, I was told that the forbearance would not hinder me from being able to do the streamline refinance. Subsequently, I tried again to refinance the property in XX/XX/XXXX and removed the forbearance from my account at that time. Once again, my application was denied after a month of processing. When I inquired as to the reason why, I was informed that the forbearance then disqualified me from being able to do a streamline. 

Disappointed, I then called to do a conventional loan refinance with them again in XX/XX/XXXX. At that time, I was told that the forbearance was put back on my account despite the fact that I had it taken off in XXXX. This situation has now made it so that I can not refinance my home until XX/XX/XXXX despite the fact that I was eligible in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report fraudulent XXXX XXXX  account on my profile along with the fraudulent address associated with the XXXX XXXX XXXX XXXX, I have relentlessly provided them the needed information to correct it. 

Equifax is the only credit reporting agency reporting this identity theft fraud address as an previous address, I was never associated with this address, remove. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, ny XXXX. It is the address of the person/s who stole my personal information.
Product: Mortgage

XX/XX/2025 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Loan # XXXX We thank your office for your interest in our issue with Mr. Cooper. Mr. Cooper has dealt with us in a very unlawful manner. Breaking all rules and regulations concerning foreclosure. First, our original loan was about {$370000.00}. Due to the loss of business, we fell behind on our payments. Mr. Cooper claimed that they kept adding the payment and interest on the loan principal. They now claim that the loan balance today is over XXXX XXXX as of XXXX XXXX. 

We request that the bank asked the Court to open and extend the law date due to a FEMA hold ( see XXXX ). The status of that hold is unknown to us currently. Nevertheless, bank also re-reviewed us for a modification review/work1 ; and we have been approved for a short sale. With that said, we also have a buyer. Therefore, we ask the Court to extend the Law-day 120 days to complete short sale with the present buyer.

Mr Cooper refused to adjust the loan balance, by reducing the interest and principal reduction. That resulted in me not qualifying for a loan modification. Or unrealistic monthly payments. Which was unaffordable. One can see that Mr. Cooper has one goal in mind. That is to Foreclose on the house, then write off the list for a windfall as a tax return. Mr. Cooper took too long to work on the modification, and in the end, denied the modification. 
Now the judge has allowed us to sell the house as a short sale. We have no time to do the short sale. The sale date Is XX/XX/2025, and We have engaged the services of a real estate license agent. He was able to get three offers. One of the offers is a cash offer. That will take a little time to close on the house. We are writing to your office to help us get Mr. Cooper to move the sale date to XX/XX/2025, allowing time to do the short sale. 

Mr. Cooper is pretending and claiming that there is not enough time to execute the short sale. They are waiting for the sale date to come and pass. So that the title will pass to Mr. Cooper. In light of the above, we are pleading with your office to intervene. To appeal to Mr. Cooper to grant a reasonable time to execute the short sale, there should be no reason for them not to allow more time. We did an appraisal on the house this year in XX/XX/2025. To determine a fair market price for the house. We have used that appraisal to list the house have received three offers.

Mr. Cooper will not allow us to do the short sale as granted by the court. All Mr. Cooper is focused on, is to foreclose on our house, as to write it off on their tax return. So, to have a windfall. Just three months ago Mr. Cooper said that our loan balance was under {$900000.00}. In a short period, it has jumped to over XXXX XXXX. All the numbers are made up numbers. 
The loan was sold and traded. It has interested individuals who have an interest in the deed. We plead to your office to intervene on our behalf. So, Mr. Cooper to move the sale date to XX/XX/2025. Giving us a fair reasonable time to do a short sale. We requested a deed to know who have the deed of the property. I hope that you will intervene on our behalf.
Product: Checking or savings account

On XX/XX/XXXX and XX/XX/XXXX my Chime saving and checking account was hacked. Two payments in the amounts of XXXX and XXXX were withdrawn out of my account. I contacted Chime immediately and they advised me on how to process a claim over the phone, the funds where back in my account with few hours. Chime closed my checking, savings account and my visa card a week later. There was no calls warning or update that i wouldn't have access to my checking or saving account which totaling XXXX! I recently changed my direct deposit from my employer to Chime from XXXX bank. I was XXXX XXXX  to find out the day after my direct deposit was finalized that Chime closed both of my accounts and deactivated my bank card. I have NO access to my money in myChime. I can not speak physically to a person they tell me to email and wait 24 hours for a response. THAT IS ABSOLUATELY UNBELIEVEABLE! Chime is an online banking establishment there is no physical location to go into a branch and you cant even speak to a person on the phone after your account is deactivated! Your money, your paycheck, your livelihood! The only option is to email customer service. I emailed customer service. In the email they state the process of closing an account. That for privacy terms they can not explain over the phone what is happening with my account and that the funds in my account would on hold for 15 days! After that my money would be mailed to me by check and could take up to 45 days! I have the emailed all saved. I had to email several times after waiting to get an update on the tracking number or status of my account. This is unacceptable behavior to be treated this way with no answers as to what is going on with my money! I get the check in the mail finally, and at this point I to open a new account at XXXX XXXX. I deposit the check mailed to me from chime, XXXX XXXX placed and additional hold on the check deposited from chime. XXXX XXXX  XXXX fraud dept returned the check and stated it was Fraudulent! Meanwhile I received another check from Chime that was overnighted for the exact same amount. I spoke to a teller at XXXX XXXX  who stated the check looked unusual she remembered when I deposited the check. She asked if the Chime was spelled correctly I advised the check i have is spelled XXXX REFUND. Now XXXX XXXX  has closed the new account I opened and it is showing XXXX and they Fraud dept stated I deposited a fraudulent check when I am the Victim! My Credit score which was on the raise is now plummeting! My saving and checking funds totaling XXXX are still being HELD BY CHIME! I am trying to find a place to live for my daughter and I and this is so stressful I have NO MONEY TO MY NAME TO FEED MY DAUGTHER OR MY SELF! PLEASE HELP ME GET MY LIFE BACK!