23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/XXXX I send my package for a modification under the program " Keep your Home California '' I initially paid someone to help me with the process since I didn't understand the paper work, but that person bailed out and took my money and disappeared. After multiple attemps I was able to modify my mortgage. Everything was perfect for 10 years until now. In XX/XX/XXXX I received a letter from XXXX XXXX XXXX. their phone number is XXXX stating that my home was in foreclosure. Apperanty during my modification OneWest Bank and their Title affiliates were not transparent in a second mortgage that I had with XXXX XXXX. XXXX XXXX did my home loan in XX/XX/XXXX they gave a first and a second loan. XXXX XXXX sold the loan to INDYMAC and then INDYMAC sold to One west. I went to One West for my loan modification on XX/XX/XXXX Indymac Loan number XXXX and Investor Loan number XXXX. One West and their title affiliates did the modification without clearing a Second mortgage that had disapeared for years. I mean disapear because they did not contact me via mail, email, Phone calls or text. The only communication i received was the letter dated XX/XX/XXXX with a foreclosure document attached. 
I was just informed the 2nd loan of {$49000.00} was never included in the modification and as a result I have received a notice of default on XX/XX/XXXX. 
However, In the pass 10 years I never received any notices by mail or collection calls that had anything to do with the 2nd loan being defaulted. 

When I purchased and refinanced my home I had no Idea what a preditory loan was until my mortgage began to fluctuate. This was when I was forced to modify and I thought that I was under protection with my first loan and my second mortgage. Now I learn that the second mortgage went dormant possibly to wait for equity on my home and come back as another predatory lender seeking to take my home away thru foreclosure. Again XXXX XXXX XXXX did not contact me at all for 10 years I dont even know who they were until now. 

I do not want to loose my home I want this to be over.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX Balance {$150.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Balance {$4000.00} Bankruptcy XXXX  XXXX Discharged Date Filed XX/XX/2020 Docket Identifier XXXX XXXX XXXX  Original Creditor XXXX  XXXX Balance {$3500.00} XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX  Balance {$2000.00} XXXX XXXX XXXX  Original Creditor XXXX  XXXX Balance {$890.00} XXXX Original Creditor XXXX XXXX XXXX XXXX Balance {$620.00} XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$610.00} XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Balance {$560.00} XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$110.00} .
Product: Checking or savings account

On XX/XX/XXXX I went to a Bank of America in Amarillo, Texas to cash/deposit a check. This was a check issued by the Texas Comptroller of Public Accounts in the amount of {$4500.00}. The teller informed me that only {$200.00} would be made available today ( 3/9/2018 ). The remaining amount ( {$4300.00} ) would have a hold placed on it until XX/XX/XXXX. She said this was because my account was less than 30 days old. I agreed, received my {$200.00} and a receipt. On XX/XX/XXXX I received a letter from Bank of America stating the hold on the {$4300.00} was now until XX/XX/XXXX. The reason given was " A hold was placed on your check ( s ) because check specific information indicates item may be returned ''. I immediately made a phone call to the Bank of America customer service line. Upon being connected with a " specialist '' I inquired why an additional hold was placed. The " specialist '' stated he didn't know, gave me the same reason as the letter, and he said he couldn't do anything about it. I asked to speak with a supervisor and was told it wouldn't matter because he couldn't do anything about it either. On XX/XX/XXXX the original hold time expired at 9a.m. I placed another call to the customer line to see if I could have my money made available to me. Again I was told there wasn't anything they could do to help me. I was placed on hold to talk to a supervisor, and the line was disconnected by Bank of America after about 20 minutes. With no help from Bank of America I decided to call the Comptroller of Public Accounts Warrant Status Inquiry System. Upon entering my check information I found that the check had been paid by the State of Texas Treasury on XX/XX/XXXX. Bank of America placed a hold on my check because " item may be returned '' on the same day Bank of America received the money from the Treasury. A second call was placed onXX/XX/XXXX to the customer service line. This time I immediately asked for a supervisor because I knew a normal employee would tell me " there isn't anything we can do ''. I was connected with a supervisor after a 15 minute hold. I explained to this person that my check was paid by the Treasury on XX/XX/XXXX and that Bank of America was holding my money under false pretenses. She said " how do I know if you're telling me the truth ''. I asked if she could check the system to see if it showed my check had cleared. She said she couldn't, but that I could give her the number to the Warrant Status Inquiry System. She stated " I'll the number and verify the information you gave me and call you back ''. I agreed gave her my cell number and hang up. It is nowXX/XX/XXXX and I haven't received a call back from the supervisor and the hold is still on my account for {$4300.00}. Bank of America has falsely withheld my money from me for a week now. I've never been so disrespected by a company in my entire life.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act NISSAN MOTOR ACCEPTANC ACCOUNT # XXXX, has violated my rights.

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 states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on the stated accounts. The credit bureaus refused to reverse the late payments..I don't understand how they have verified this..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous claim that has affected my credit score tremendously..CFPB please step up and fix this XXXX XXXX , XXXX XXXX, US DEP ED XXXX,
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 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 states 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 XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Once again ... the only errors that have been fixed by Nationstar regarding my VA mortgage loan is they updated the balance on my mortgage loan. 
However ... the payments are still not reflecting what I have submitted to them via on time mortgage payments. 

There is no updated credit score that should reflect all payments ... timely payments I have made towards my VA mortgage loan. I am not receiving the credit points that should clearly reflect my payments with any of the credit bureaus. Nationstar can fix the balance on my VA in a timely manner ... however ... look at the attached that does not show all payments that I have made towards my loan. I should also see a definite increase with my credit score to reflect payments being made on my VA mortgage loan. 

This looks like a rental home instead of a mortgage loan with all three credit bureaus. I need the errors, payments and my credit score fixed and updated by Nationstar. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

I was sent a mortage statement from a company ( XXXX ) that I had no knowledge of ever taking a loan with. The statement showed that my mortage was in arrears. I have never taken a mortgage with this company. Then I receive a letter that my house is slated for a Sheriff 's sale on XX/XX/XXXX from a Wilmington financial Christina trust that I also have no knowledge of who they are. I went to the sheriff 's Department who told me that they take their instructions from the attorney who represent the plantiff stated above. I have tried to contact all three above stated companies to no avail. I hired an attorney who took my money and then after very little effort for me told me to file for bankruptcy to stay the sheriff 's sale. Not sure what to do next!!!
Product: Money transfers

To whom it concerns, I would like to file a formal complaint against Citi Prepaid Services, regarding an outbound manual money transfer made on XX/XX/2016. 

The transfer was never delivered to my partners XXXX account with XXXX, and also was n't delivered to the intermediary bank, XXXX XXXX. 

We have been told by Citi Prepaid that the transfer left our account and should have been received on XX/XX/2016. Over a month ago Citi Prepaid informed us it was being elevated to their own personal investigations department and that we would hear from them regarding the status of our investigation. 

During this time frame we have heard nothing aside from that it is being investigated. We have been given zero updates with no regard for any questions we have risen concerning the status of this ongoing investigation. 

This is highly concerning as now we are worried that the money is lost or stolen and we have no support from Citi Prepaid Services in tracking the missing transfer. Their costumer services supervisor, XXXX, Informed us they can not give us a tracking number or any information, which seems unbelievable and suspicious. 

The effects of this situation go beyond just our missing money. My partner and I are damaging our credit ratings by the day, and due to a total lack of confidence in Citi Prepaid 's transfer system we are afraid to move more money into our personal accounts. 

I request that you respond to this compliant urgently. 

Yours Sincerely,
Product: Payday loan, title loan, or personal loan

I requested a loan on XX/XX/XXXX, which was funded on XX/XX/XXXX. The agreement I signed stated that the first payment was due on XX/XX/XXXX. This is what I signed and what I authorized to be taken out of my bank account starting on that date. No earlier. 

One of their customer service reps, XXXX, was assisting in setting up the repayment schedule, and somehow backdated my payments and said they were due starting on XX/XX/XXXX. How would payments be due on XX/XX/XXXX for a loan I didn't take out until XX/XX/XXXX? Am I supposed to get in a time machine to go back in time to make this payment? She also didn't take responsibility for her mistake and just stated that " she saw that the payments were due starting on XX/XX/XXXX '' but didn't acknowledge that she made an error and caused this problem. This mistake caused a payment to be taken out of my account today, on XX/XX/XXXX, which I DID NOT AGREE TO. THIS WAS NOT IN MY REPAYMENT SCHEDULE and they still debited my bank account. I think this should be illegal. 

I was told it would take 2-3 days to fix, and now am being told 4+ days. I do not trust this company having access to my bank account.
Product: Debt collection

I received a call from Penn Credit, a debt collector, in early XX/XX/XXXX saying I had an outstanding balance from the XXXX XXXX XXXX XXXX XXXX from a home I previously owned. I asked them to send me the bill, which they did mail to me. I then called them to explain that the bill is not my bill as the utilities were not in my name at the time of outstanding balance ( XX/XX/XXXX ). I explained that I rented that home to tenants in XX/XX/XXXX and they purchased the home from me in XX/XX/XXXX.  The water bill had not been in my name since XX/XX/XXXX. They were extremely rude and said that I was refusing to pay a debt. When I told them I would take it up with the XXXX XXXX XXXX XXXX XXXX, the person then hung up on me. This whole experience seems to be deceptive and fraudulent.
Product: Credit reporting or other personal consumer reports

This report aims to request the removal of all inaccurate information currently present on my credit report from all three credit agencies. Despite filing multiple disputes and providing supporting letters, the inaccuracies persist without any updates to my credit report. 

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. 
Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXXXXXX XXXX Account XXXX : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX XXXX has violated my rights. 

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 states a consumer reporting can not furnish an account without my written instruction 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 reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. it also states 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, other than records of convictions or 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 in accurate.
Product: Checking or savings account

I tried to connect my PNC account with my XXXX account and it won't connect. I tried contacting my bank but they said they could help me. I have several friends and relatives who also want to use that service with their PNC account and they are having issues too.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of the accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 states 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: Vehicle loan or lease

Credit acceptance corporation ordered scam tow companies to illegally search and seize my vehicles. Credit acceptance corporation superseded rule of law and XXXX XXXX XXXX  by seizing the vehicles without first obtaining the writ of execution to submit to XXXX XXXX XXXX  Credit acceptance corporation was supposed to fill out OS/SS-99 ( R8/15 ) instructions for default security agreement and OS/SS-55 ( R8/15 ) notice of seizure of motor vehicle with the writ of execution attached and send it over to the repossession and title department in XXXX XXXX XXXX but did not. They are engaging in vin switching/cloning, stolen car scam and salvage switch. They couldnt get a title for my vehicle so they got a title in New York. I have all of their strategies, tactics and methods. I want to sue them and I will give you all the information you need on credit acceptance corporation. No court decided a contract between myself and credit acceptance corporation to be enforceable. Credit acceptance took advantage of me like they are doing everybody in the low income community. But I have their methods. The attorney general here already started suits against them for deceptive practicing, unlawful repossession and amongst other things. Credit acceptance corporation not acting alone, it is also the tow companies and the auto auctions.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX is not letting me put a FREEZE or ALERT on my account. I have been trying over one week online to do so. Conveniently, they say can not find my record. Particularly odd since I downloaded my free credit report last week and I was easily able put freezes on at XXXX and XXXX. I know my information ( name, SSN, ... ).
Consumers should NOT HAVE TO PAY for the freeze for at least 5 years. I never authorized them to collect and aggregate my information. They caused the problem. They need to cover the cost of freezing/unfreezing and any lost time/money/funds should nefarious actors get my account. PLEASE JUMP ON THIS! I have a right to immediate protections and that 's today - not next week, or next month.
When I say I want a freeze, I get the screen shot attached that does n't offer me an opportunity to put a FREEZE on. Can not proceed past this screen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX, XXXX, and Experian and I never disputed anything. Instead XXXX disputes my accounts without my permission. All my info was in the breach and I am demanding everything to be removed. I never gave permission for a 3rd party to report anything to my consumer report. XXXX lies about investigating and never show proof of investigations. XXXX is reporting the wrong personal information which I advised them many times.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bankruptcy should be off my credit report been 7 years now XX/XX/12 now its 7 years please help me get this off my report.
Product: Credit card or prepaid card

I have purchased with my Sams club master card an 18k solid gold chain and bracelet and I was charged XXXX dollars on XX/XX/2022 and XXXX dollars on XX/XX/2022 for the difference in weight but the seller XXXX XXXXXXXX XXXX sent me FAKE XXXX4K PLATED GOLD and I disputed both charges of XXXX dollars and XXXX dollars but synchrony bank is NOT resolving the issue to my favor and synchrony bank still HAS NOT CREDITED MY ACCOUT FOR THOSE CHARGES. Synchrony bank should give me a permanent credit of XXXX dollars and XXXX dollars for the disputes I submitted because i received fake gold instead of real 18k solid gold. Synchrony bank should resolve the disputes to my favor and credit my account for both disputed charges of XXXX dollars and XXXX dollars. This is fraud by the seller XXXX XXXX XXXX to sell me fake gold as if it was real gold. I was scammed by the seller XXXXXXXX XXXX XXXX and they committed fraud .I want a full refund of all the money I paid them.
Product: Debt or credit management

XXXX XX/XX/XXXX, XXXX I went o a Pep Boys tire shop to get XXXXXXXX XXXX but they did not have them available at the store located at : XXXX XXXX XXXX. XXXXXXXX XXXX so theyr ordered but XXXX did not arrive so I left waiting for over tow hrs. Later in the afternoon I got a caled form store saying I should take my car an XXXX it and thay will call me to pcik up my car, so I NEVER WENT BACK TO THE XXXX NOw too many XXXX from a bnck I did not applied for credit. I email pep boys customer service and i got a response but after I have been ignored over and over. Plrovide me an email addres to send the proof of the correspondance.
Product: Credit reporting, credit repair services, 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 XXXX XXXX, has violated my rights XXXX XXXX XXXX XXXX, has violated my rights XXXX XXXX XXXX, has violated my rights XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights XXXX XXXX XXXX XXXXXXXX, has violated my rights XXXX XXXX, has violated my rights XXXX XXXX, has violated my rights XXXXXXXX XXXX XXXXXXXX XXXX, has violated my rights XXXX XXXX XXXX, has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX, has violated my rights XXXX XXXX XXXX XXXX, has violated my rights 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 states 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.