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

Chime offers what the refer to as " XXXX XXXX XXXX', which is a payday loan that you pay back on your following payday. The XXXX XXXX amount starts around {$40.00} and can increase to {$500.00} overtime. Currently my balance is {$500.00}. The issue is they only give you {$20.00} a day and knowing you will needed instantly the charge an additional {$2.00} for instant access. This is another form of price gauging and taking advantage of consumers needs. On your next payday the balance is paid in full along with all fees for instant access. Why can't we receive the full amount at one time as they do?
Product: Mortgage

I have been working with bank of america to prevent them from foreclosing on my home. Most recently I submitted modification documents they requested to prevent my home from being sold XXXX XXXX, 2017. I also submitted my information to the " Independent Foreclosure Review '' in which they determined Bank of America was in fault in the manner in which they moved my home into foreclosure. The IFR stated that consumer credit would not be affected and the fees that were accessed against the mortgage would be removed however, the fees were kept in the modification and Bank of America stated that they are entitled to recoup and I disagree. I owe approximately XXXX on my home however the modification added approximately XXXX. I have never received assistance from a homesave program and I was told I made too little money or I made to much. I am working full time now and I have a part time job as well. Please request IFR to provide the list of benefits it offered to the consumers and that Bank of America not be allowed to double my mortgage debt in using predatory practices. Previous Case number Case number : XXXX
Product: Credit card

Discover issued me a credit card but later forced me to close my credit card due to lack of credit history. This has led to slump in my credit score and now I cant get credit card from any other financial institution due to poor credit score
Product: Money transfer, virtual currency, or money service

XXXX XXXXXXXX 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 

Dear Sit/Madam I am a XXXX XXXX  resident in XXXX and XXXX with XXXX dependent son. My state pension was stopped on XX/XX/XXXX, and the XXXX refuses to come up with a solution to rectify the problem. Yes. I do understand their argument that they used Citibank for their transaction services, and that Citibank now refuse to service cash transactions to XXXX, including those to XXXX XXXX residents. 

Please understand the seriousness of this situation, as I am sure the intent of sanctions is not to starve ordinary common people from surviving with an income. Also, please understand that as a resident I signed an agreement I will not be in debt and will pay taxes to the XXXX  government, I can no longer do that, with the serious problem of where the next loaf of bread will come from. When I get deported, can I bring my wife and son? not that I want to. I would sooner stay here and receive this. 

There is a solution, I do have a bank that is not sanctioned and will accept international cash transactions in XXXX XXXX and dollar, ( I have those separate account numbers ) and that is XXXXXXXX XXXX  ( XXXX ) registered in XXXX. I have informed the XXXX XXXX, but they are ignoring this solution to directly pay My pension to XXXX XXXX. 

Could I work? Yes, and my wife and I did as freelancers. But unfortunately the agency contacts we had cant pay, due to sanctions. We are owed money but dont know if and when we will be paid. The work we did depended on payments from international customers, so freelance agents are also suffering due to sanctions. I have contacted the XXXX XXXX in XXXX, and the XXXX XXXX XXXXXXXX and they were no help at all. 

Please understand the seriousness of this situation, nobody can survive without income and the banking ability to receive cash. 
Your faithfully XXXX XXXX XXXX Contacts The XXXX  Service XXXXXXXX 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 or other personal consumer reports

I put in a request for my cnac account to show paid in full. I have had it.Im tired of waiting for your update. XX/XX/XXXX I will be filing a lawsuit against XXXX and XXXX. I sent you the proof the account was paid in full. There is a difference between paid in full and closed.
Product: Debt collection

This is the second complaint I'm filing against this company ( ProCollect , Inc ). They have fraudulently credit reported this debt which is having serious effects on my credit, preventing me from obtaining new housing and a better job. I was employed with the Original Creditor ( XXXX XXXX XXXX ) in 2018 as a Maintenance Supervisor and lived on the premises to which they are stating I broke a lease with them. This is absolutely false as I was on a month to month basis with them and was never on any lease. I can tell you for a fact that anyone employed with an apartment complex is never put on a year lease for the simple fact that if the employment is terminated for any reason, then there wouldn't be a binding contract obligating the employee to stay at that apartment. When I filed the last complaint, ProCollect sent me some falsified documents that made absolutely no sense and appeared to be missing pages. I do not owe this debt and I demand this be deleted from my credit report or I will move forward with legal action. There are plenty of XXXX XXXX XXXX that will sue a debt collector for the slightest violations of FDCPA and FCRA. This is complete fraud and harassment. I will sue ProCollect to the fullest extent of the law!!! I want this off my credit NOW!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It may concern, On XX/XX/2023 I went to look at my credit report. I have all these Inquires and none of these I recognize and I did apply for any of these cards or have access to any of these accounts. This is fraud / inaccurate. I have contacted all 3 major collections agencies and with little help from them which is why I was referred to come here since this is all not authorized by me in anyway and I'm just trying to make my credit score accurate for me and my family. I will attach documents from XXXX, equifax and XXXX  so you can see what I am referring too. I also tried to contacting some of these companies directly who gave me the run around.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I have three charge off payments on an account. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) : ( XXXX. XXXX, XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks, Fair Resolution!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX contacted via phone and email advising all three major credit reporting bureaus account that does n't belong to me was being reported ; they advised would investigate the account came back verified then submitted ID Theft affaviadit on to local police and online XXXX/XXXX/XXXX ; the account was removed after all requested documentation was submitted then on XXXX/XXXX/XXXX the account without notice was re-entered on Transunion and XXXX file contact and was made aware of a glitch and that it would be deleted which has not happen. AT this point I would like account removed and blocked so that re-entry can not happen again
Product: Debt collection

In 2006 I opened a free checking account with XXXX  XXXX XXXX. The problem arose when the account was overdrawn by around {$340.00}, give or take. It did take me 1-2 years ( I was a student at the time, paying my own way for books and tuition, upon working to sustain my other immediate bills ), until I was able to reconcile and close the account with the bank with the full amount that was due. I have not heard anything about this incident until the past 6-9 months. The agency contacting me is XXXX XXXX XXXX  , XXXX, based at XXXX XXXX XXXX , XXXX. XXXX, MN XXXX. I have not received any type of paper notification from either the bank or this agency, but have recently been receiving phone calls within the correct debtor calling hours as is their right, however, I have repeatedly ( well over 5 times ) asked them to place my number on their " Do Not Call '' list as it is my business number and that this debt was already taken care of well over 10 years ago. I am still receiving phone calls from them stating that they are now wanting to collect on behalf of the bank, but as we know sometimes things get mixed up in the transfer of debtors ' records. I was a XXXX XXXX for a XXXX XXXX XXXX and I know my rights as far as asking them not to call me again, same for not using the number given to them. I want to report them for continued harassment and would very much appreciate someone looking into this for me, as it is now interrupting my business in a negative way ; also in personal ways. I do also intend to notify the agency in writing to the address provided me as per Sub-Section 806 : Communication in Connection with Debt Collection, paragraphs ( a-c ), as stated in the FDCPA. Please let me know at your earliest convenience what we need to do to proceed forward with this complaint. Thank you. 

Also, I do not have records of this bank or the account number, amount owed, etc. as it was so long ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX IN XXXX I had several inquiries on my credit report that does not belong there. I have no idea where they come from or who they belong to who do not belong to me. I have tried several times to negotiate and talk to a representative displaying I have nothing to do with these Accounts are in accurate information reporting on my credit report accounts as following listed below 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 15 U.S.C 1681 Section 602 A. States I have a right to privacy. 

15 U.S.C 1681 Section 604 A. 2 : its also states, a consumer reporting agency can not furnish an account without my written permission or instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer reporting containing any of the following items of information any adverse item of information, or the records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer relating agency if the person knows or has reasonable calls to believe that the information is an accurate The credit bureau keeps disrespecting the law.

Ive shown them multiple times of how they are violating the fair credit reporting ACT.
Product: Debt collection

I never gave consent for these creations. I've attached the required documentation to validate my stance. I'd appreciate your swift action to address and correct this issue by ensuring the removal of the fraudulent accounts from my credit report. Your prompt attention to this concern is greatly valued.
Product: Credit reporting or other personal consumer reports

I've made multiple attempts to get copies of the consumer report and complete consumer file Equifax has been publishing on me, but I am unable to do so via the XXXX website. I've been denied access to credit due to alleged negative items in the consumer report Equifax is publishing to third parties about me, and I would like to physically inspect the consumer complete file and consumer report to resolve this matter immediately. I've never given consent to any person to furnish or publish any information about me, especially my personal and private information to anyone.
Product: Mortgage

On XX/XX/XXXX there was an illegal foreclosure sale on my home and the claiming to be purchaser XXXX XXXX supposedly paid $ XXXX for my property at XXXX XXXX XXXX. XXXX, MA XXXX. Today at the XXXX XXXX XXXX XXXX filed an " Unopposed property affidavit of entry '' which NEVER happened, the auction was held start to finish, on the XXXX XXXX near XXXX feet away, with witnesses and I RECORDED it onto a dvd disk from my phone, proving this affidavit is False under oath for perjury pains on this fake document ( attached ) on this day today XX/XX/XXXX. ( I have all of her text messages ) Also, this foreclosure is Ignoring my newest deed and Trust ( Bk XXXX pg XXXX ) DATED XX/XX/XXXX XXXX and because it can not be foreclosed on. I am asking this CFPB look into this illegal action of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MA, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX whom is working together to commit banking and mortgage crimes for profit. My last complaint on this site was regarding XXXX 's text to me on Thursday XXXX XXXX at XXXX stating she is going to " XXXX '' on my property and " Deed '' to to someone else and that she does not want any litigation I told her to expect from me. Instead today she files in the Reg Deeds claiming to be the owner of my home. I have no notice or any contact of her Closing date or any record anywhere of a Closing especially when she said last Thursday that she was : '' going to close ( over a year past the demanded time window to XXXX ''. I will be again contacting the IRS, FBI, and many other agencies to notify them of this fraud and terrorism on me, knowing that I am XXXX yrs old, XXXX, including XXXX XXXX etc.. This supposed closing took place this past week according to XXXX XXXX past legal limits for this action. Please see attached the auction was on XX/XX/XXXX and this fake foreclosure deed filed in Reg Deeds supposedly took place this past Monday OVER A YEAR LATER. If these criminals entered my property recently with my no trespass signs posted all around my home I will press trespassing charges. To weeks ago XXXX of my signs in the back of my property was torn off of my fence while I was unaware of the trespass or not home. I NEVER allowed any of these criminals on my property at any time ANYWHERE on my property. I would have chased them the XXXX off of my property Fully Opposed and is why the auction was held on the XXXX XXXX near XXXX ft from my property. Because I NEVER allowed them on my property ; so if they entered my property any time after the sale I will use their fake proof of allowed entry, to file a trespassing complaint in the courts for prosecution.
Product: Credit reporting

I have attempted numerous times to give Equifax the opportunity to delete these XXXX accounts that has not been verified nor did they respond to my request for method of verification per FCRA Section 611 ( a ) ( 7 ). The accounts in question are : XXXX, XXXX, and a public record XXXX. These accounts are NOT MINE and they have not been verified. I will also be sending this same complaint certified mail for the last time. If no resolution I will be sending a letter of intent to sue.
Product: Student loan

Mohela students loan consolidation all students loans. 
I have paid off XXXX XXXX though XXXX XXXX and paid off XXXX XXXX  credit card in full. Now need all paid off loans and credit off my report so I can change my credit score.
Product: Mortgage

Hello and to whom it may concern ; I will begin by describing in detail the situation at hand. To start with, back in XXXX, we had a HELOC on our house. Despite the fact that we obtained this HELOC through XXXX XXXX, XXXX XXXX took over XXXX XXXX. When the real-estate market crashed in XXXX, we were forced to file for bankruptcy. After bankruptcy we contacted XXXX XXXX for a settlement, because the price of our house was much lower than what we seemingly owed. We offered them a certain amount of cash to settle this issue, but after a long delay we received a letter back stating that XXXX XXXX was turned over/sold to SLS ( Specialized Loan Servicing LLC ) and that from there on out we must communicate with SLS. 

After persistent attempts in contacting SLS, we finally received a letter back regarding our previous settlement offer to XXXX XXXX. The letter stated that we were no longer liable for the debt. They refused our cash offer in XXXX of XXXX. 

After this period, we had no other communication with SLS. Recently however, due to the current lower mortgage interest rate we decided to proceed with refinancing. During this time, we were informed by the finance company that there is a lien on the title from XXXX XXXX. We were completely unaware and shocked with this matter. Furthermore, we attempted communicating with SLS but our efforts were useless. We received absolutely no aid. Due to this, we hired a real estate attorney. Our attorney contacted SLS and according to her assessment, the lien actually has no value but SLS is refusing to cooperate and resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I pulled my credit repoet with experian through annualcreditreport.com and as I went through my online report I came to the personal information section where someone had broken into my online account with Experian and changed my username, password, 4 digit code, and security question along with removing the freeze I had on there. I finally spoke with a CSR about it yesterday evening and hopefully this won't happen again. The person had a California address. It is so hard nowadays to trust anyone with your personal information and when this happen with Experian I was shocked because I was trying to figure out how this was possible. I am always on top of this but I am very disappointed and upset. This was such carelessness of the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion, XXXX Are reporting inaccurate information on my consumer credit file. With companies as per late payments 15 usc 1681 A602 15 usc 1681 604 A 15 usc 1666 B 15 usc 1635
Product: Debt collection

Received a notice in a name similar to mine that I owed {$290.00} to XXXX XXXX XXXX XXXX. I have no outstanding or late debts and am not familiar with this debtor. Company that issued the letter has many XXXX complaints and according to internet posts harasses people. I tried to call them and report the error, but they only accepted calls from XXXX other states. I think this is a scam to extort money from XXXX.
Product: Debt collection

Received a call from XXXX, claiming to Ascension Point, a debt collecting service. They claimed there were debts owed from my deceased husband 's estate ( my husband died 2 years ago ). But they would not say what for or how much. There were absolutely no debts owed at the time of my husband 's death or since then. They asked for personal information, which I would not give. When I commented that this was a scam & I would report it to the authorities, they said they would transfer me. Then the line went dead. 

I have blocked this number on my phone, but I am positive it is a scam. I am reporting it to protect other people who might believe them & send them money. Thank you.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ) Section 605B it is illegal to report information on my credit report without my permission. Please remove this item from my credit profile. According to the FCRA section 611. It is illegal to report inaccurate information on my credit report. Please remove this item from 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. 

XXXX # XXXX, DEPT ED/XXXX  # XXXX, DEPT ED/XXXX XXXX XXXX, DEPT ED/XXXX # XXXX XXXX DEPT ED/XXXX  # XXXX, USDOE/XXXX XXXX XXXX, XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXXXXXX # XXXX, XXXX XXXX # XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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

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

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: Checking or savings account

I visited a Wells Fargo branch located on the corner of XXXX  and XXXX in XXXX, XXXX  on or about XX/XX/year> to cash a couple payroll checks that totaled approximately {$5400.00}. I do not have an account with Wells Fargo but the checks I wanted to cash were drawn on a Wells Fargo account. The teller asked me a few questions as she worked through the process of identifying who I am and to verify that the checks were valid. I patiently answered her questions and even had the person who wrote the checks with me in case there were any issues with the checks. When I told the teller that I didnt have an account with Wells Fargo and declined the option to open one, the teller seemed to become confused and continued to ask several more questions and at one point she called her supervisor. After about 45 minutes of answering questions of what seemed to be more like an interrogation, they had my friend who wrote the checks, sign his name on a blank piece of scratch paper even after they verified his account and his identity. Finally, the teller informs me that she will cash my checks now but it would take a few minutes as she had to run the cash through two separate counters to ensure the amount she was giving me was correct. She takes the checks and steps away. About 30 seconds later, she returns to inform me that they will be charging me {$7.00} per check since I didnt have an account with them. I had 4 checks, so that totaled {$30.00}. I was confused by this since the checks were written from a Wells Fargo account and when I mentioned this, I was informed that it was because the checks were written from a business account. I asked if they could waive the fees since this was something they should have informed me of within the first few minutes of assisting me rather than informing me of the fees only after I stood there for 45 minutes. I was denied this request. Rather than take my checks elsewhere and waste all that time of mine as well as the 3-4 people who had been standing in line the entire time waiting to be helped as she was tge only teller on duty, I agreed to pay the outrageous fees and decided that I would handle my complaint with the corporate office once I got home. I was able to locate an email address that was associated with the banks complaint department but once I sent my email, I received a reply stating that the address I wrote to was not valid. Rather than be lead on some wild goose chase that would only come to a dead end, I decided to file a complaint with the CFPB.