23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My last attempt in trying to do a loan modification was sent in XXXX. I have tried numerous times before then to try to modify the loan to with no success, continously being told I simply can't afford it when my income and fianc income is more than enough to cover my old monthly payment before I was laid off from work. This time I sent another request for modification with {$3000.00} to put down towards any past due amounts and I am not hearing anything back. I keep recieving calls from employees that have no idea what is going on and are continuously asking questions that make no sense.
Product: Checking or savings account

In XXXXXXXX XXXX XXXXXXXX I opened accounts and transferred {$100.00} into Navy Federal Credit Union. 

I discovered today ( XX/XX/XXXX ) Navy Federal Credit Union froze my accounts and claimed my membership was fraudulent. I cant see any of my accounts or get my money back. Navy Federal at no point even informed me they were freezing my accounts.
Product: Vehicle loan or lease

The car was a lemon and I had to pay for so many repairs that I could not keep up with the payments. I no longer have the car and Im getting predatory late payments on my credit report every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act XXXX  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 a account without my written instructions XXXX XXXX XXXX  Date Opened XXXX XXXX, 2022 Amount owed {$6000.00}. 
Account # XXXX I have called them and tried telling them this is not my account.
Product: Credit card or prepaid card

I have been double charged for 1 fraudulent charge that they won't drop. Two other purchases I did make were also double charged. 

I owe them {$460.00} cents in charges. I have also been making payments on this amount for 6 months. My balance should actually be around {$350.00} or so with my payments made They say my balance is {$910.00} They did a balance transfer that no one can go back and look at. Before the balance transfer my balance was correct. After the transfer my balance doubled
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX my XXXX XXXX account became seriously delinquent and was charged off and sold to a debt collection agency. I was able to pay off the balance by XXXX. However, XXXX XXXX has supplied inaccurate information to the credit bureaus. The inaccurate information has included the account status as unknown when the account was closed and paid in full, missing payments, incorrect balance and the account debt clock being reset from XX/XX/XXXX to XX/XX/XXXX. I have tried disputing the incorrect information with very little success. My biggest complaint is XXXX XXXX attempt to reset the date of the account being charged off. That is illegal!
Product: Debt collection

I was alerted by XXXX credit reporting agency that Hunter Warfield collection company is trying to collect on the behalf of XXXX XXXX apartments, My identity was stolen in 2020.
Product: Credit reporting or other personal consumer reports

This is not my account, I am a co-signer for my sister. 

The due date changed because this car was a re-purchase. The original car was returned to the dealership a week prior. Additionally, American Credit Acceptance continues to report it late after promising to fix the error on all 3 reporting agencies for myself and my sister whom I co-signed for. There has never been a late payment.
Product: Mortgage

I received a letter from Wells Fargo about a loan modification I did years ago. I did receive a check with the letter but I remember when the loan modification process was going on, I told them the numbers did not add up and I was overcharged for the loan modification but there was nothing I could do about it if I wanted to keep my house at the time. I have sold the house and have gotten rid of the paperwork that I questioned, but Wells Fargo owes me far more than {$2400.00} for a {$15000.00} mistake they made but will not give me any other information and at this point, they will not return my calls.
Product: Credit card or prepaid card

I had a flight cancelled XX/XX/XXXX due to Covid. The airline refunded the money to Citi on an unknown date. On XX/XX/XXXX Citi emailed me saying that I would receive a refund within 7-10 business days. The amount is {$610.00} ( XXXX Thank You Points + {$41.00} USD ). 

As of XX/XX/XXXX I have not received the refund. Each call to CitiBank / XXXX  / XXXX XXXX XXXX / Accounting dept yields a new answer. Here are a few : -check will be mailed early XX/XX/XXXX -check will be mailed late XX/XX/XXXX -refund was issued to a closed credit card account on XX/XX/XXXX -I should have spent the points in XXXX before closing the card (??? ) -refund in 1-3 billing cycles -refund in 7-10 business days Trip ID : XXXX Thank You Member Number : XXXX Flight info : XXXX XXXX  XXXX XXXX, 2 one way tickets XXXX to XXXX on XX/XX/XXXX My address is current on my Citi and XXXX profile.
Product: Mortgage

I am a Foreclosure Specialist who has a client that has a loan through DiTech and they would like to modify it. I sent a RESPA request to them on XX/XX/2017 and they have refused to send me the documents necessary to try and get them a modification. If there is anything you can do it would be appreciated.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$280.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit card

I already filed this under another report ( ID : XXXX ) which was the result of a bank of america employee making an unauthorized transaction I got my account statement and saw that Bank of America has doubled charged me for this fraud ( two charges for {$15000.00} ) The card is now over its credit limit ( something I never do and have never done on any card ) and is showing on my credit report which is preventing me from getting loans/credit to complete construction for my business
Product: Credit reporting or other personal consumer reports

I have a collection account that are on my consumer report that have not been investigated to be 100 % complete, accurate, or verified. Also, I have never gave Consumer ADJ Co direct consent to my private information such as my name, address, etc. I have been abused and decieved due to Consumer ADJ Co obtaining this private information without my permission. This account has hindered my ability to get extensions of credit and impacted my credit worthiness. I would like them to cease communication of this alleged debt and forms of communication include email, mail, telephone, and consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Home Depot- I am a victim of Identity theft and someone opened an account under my name and SS number without my authorization. I received a notice from credit bureaus regarding missed payments. I have never had an account with The Home Depot. I've made numerous if not 10 or more calls to Home Depot regarding this matter. At a later date they sent my information to a collection agency which continued to harass me and call me at all hours of the early morning. I spoke to a supervisor and told them that they needed to stop calling me as I am an elderly woman who is very ill and reported the woman who was calling me every day. I have never had a Home Depot card and stressed to them that my identity was stolen and still have not received any information regarding this account. Police report attached.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items off my credit report : XXXX : SALLIE MAE BANK XXXX Account Number : XXXX {$3600.00} XX/XX/XXXX SALLIE MAE BANK XXXX Account Number : XXXX {$1500.00} XX/XX/XXXX
Product: Debt collection

Hello, this in reference to the XXXX XXXX XXXX XXXX the account was opened on XX/XX/XXXX. Portfolio Recovery started reporting it on my credit on XX/XX/XXXX. I sent them a letter requesting them to validate it they sent me an old bill but didn't even have a signature attatched to it. I looked it up on my states website and they aren't authorized to collect in my state their license expired in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have file fraud on my credit report agencies. I worked with XXXX and XXXX  and they have agreed with all information that the creditors and I provided and all false - fraudulent mark have been removed. XXXX is unwilling to remove final mark from XXXX XXXX XXXX XXXX for the amount of {$14.00}, XXXX. This fraudulent mark has been fault with the creditor and Equifax for over two years. XXXX XXXX XXXX XXXX reported to Equifax to remove debt and fraudulent remark from my credit which showed up on XXXX XXXX and I provided a screen shot to Equifax and they still refuse to remove the derogatory false remark. I am in the process to purchase a new home but because Equifax refuses to remove the fraudulent mark of the report I will not get the loan. I refuse to allow Equifax to hold me hostile by refusing to remove mark of report and need the CFPB assistance.
Product: Credit reporting or other personal consumer reports

TransUnion, XXXX, & XXXX are reporting inquiries I did not authorize and they should not have given these companies access to my data without my written consent. 

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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX
Product: Checking or savings account

Yesterday I deposited {$5000.00} cash via the ATM into my Bank of America business checking account. The ATM stopped functioning during the transaction and I have only been credited with a {$3600.00} deposit. The bank did not issue any receipt for my deposit. They said I would receive an email confirming the error and that it was being looked into but I have nothing. They said I would see some kind of credit to my account but I dont have that either. I have nothing in writing to confirm what happened or that the issue is being looked into. Basically I gave the bank {$5000.00} cash, and theyre only crediting me for {$3600.00} with no evidence provided to me that they acknowledge an error occurred. They have essentially stolen {$1400.00} from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote them twice to remove unknown inquiries that i did not place or get them to send proof and they did not correct or prove proof I never got a response.
Product: Mortgage

This company is worse than the other one I previously had! Since they have taken over my contract, they have been harassing me with many calls and left messages on my door, and it has become an everyday thing of this! I have started the paperwork for a loan modication and but there are still some things that are needed that I am working! But the harassment needs to stop! My finances have changed drastically, and so this why this i did the forbearance! But I am just tired of it! Please help!
Product: Credit reporting or other personal consumer reports

I applied for an account with XXXXXXXX XXXX. WAS DENIED and was sent a letter stating my early warning services report had that i did fraud with XXXX XXXX, which incorrect. I filed a complaint to have this updated via XXXX XXXX and received a letter that my claim was valid. this was back in XXXX. 

Early warnings service still haven't removed this derogatory mark on my account which prevents from from other banking accounts, or anything financial.
Product: Payday loan, title loan, or personal loan

I got my first credit builder partially secured installment Loan from MoneyLion in XXXX of XXXX and was finally able to pay it off in XXXX of XXXX with a approximately a {$400.00} principal payment left. The first loan was a ok process and they offered me what I thought it was a good deal since I was looking to get a positive line of credit to start rebuilding my credit to possibly get it off the ground and a opportunity to save some capital. Moneylion presents itself as a lender that helps clients get ahead with a low risk collateral loan. Moneylion both times loaned me {$1000.00} once in XX/XX/XXXX and {$1000.00} XX/XX/XXXX. Moneylion on the first loan gave me appx {$600.00} of that {$1000.00} in XXXX and I made the payments on time but Moneylion brought in other fees such as Membership fees that were {$20.00} nearly and credit monitoring fee was {$5.00}. MoneyLion also gives out high payday loans as a incentive for tagging on {$20.00} membership fees that you have no idea about until you look at your statement. MoneyLion some weeks was able to get me out of up to {$300.00} because of this obligation that had me going in circles to pay at first. Florida has a cooldown period before you can take any type of high risk funding. This company was really a lender that is waiting borrowers to default while making interest off of me in every way and also selling my personal information to third parties malicious, phishing site that post links on MoneyLions platform its a App that advertise clickbait but is how you make sure the payments actually go through. The system will sometimes unlink the account that you make the auto payments out of and MoneyLion doesnt give you a call to see whats going on with the payment that was scheduled which is unlawful They then report to your credit report negative and of course they then add even more Interest and 5 % late fees on to the principal of your loan. 
Then the third parties have your banking information, and all the information you trusted Moneylions payment platform which they guarantee its secure but I believe they leak your data because you start to get cold calls your phone stating your approved for a loan you know nothing about and 100s of text messages text messages a link, emails with the same. Moneylion is a malicious lender who reports inaccurate information to credit bureaus with inflated balances on installments and false late payments along with in many states illegally charging extreme interest rates, collecting a membership fee monthly almost equal, giving third parties sites access to SSN, Addresses, Banking Accounts numbers etc, forcing customers to sign contracts stating they are signing over all their consumer right and the right to a jury trial before they loan any amount of money.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX am filing this FTC Identity Theft Affidavit to report 1 separate fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. This fraudulent account consist of Sequim Asset Solutions XXXX This account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unidentified person applied for credit using my personal information with capital one. Resulting in a hard inquiry & drop in my credit score. I would like this removed so that my score can return.
Product: Credit card

On XXXX XXXX, XXXX, we contacted Wells Fargo and spoke with XXXX to confirm the terms and conditions of an online balance transfer offer. XXXX advised us that since we had a {$10000.00} credit line on our business credit card, that we could transfer {$9800.00} to our checking account, and we would need to pay a one-time fee of 4 % of the balance transfer amount, up to a maximum of {$170.00}. XXXX further advised us that the balance transfer would have a 0 % promotional interest rate for 12 months. 
Agreeing to the above terms, we moved forward with the transfer, and were provided a reference code. 
Soon afterward, we received a letter from Wells Fargo dated XXXX/XXXX/XXXX, confirming the details of the transfer ; however, the letter omitted any information regarding the 0 % promotional rate that XXXX had advised us that we would receive. We assumed that everything was correct, because no other rate was disclosed or specified on the confirmation letter. 
On XXXX XXXX we reviewed our XXXX/XXXX/XXXX account statement, and we noticed that we were being incorrectly charged interest on the balance transfer at a $ 23.99 % cash advance rate. We immediately contacted Wells Fargo and spoke with XXXX, and we explained the situation to her. XXXX assured us that she would submit the paperwork right away to correct the cash advance to be reversed, and instead to be re-processed as a balance transfer with a promotional 0 % rate, as we had been advised by XXXX on XXXX. XXXX further assured us that the correction would be processed within seven to ten business days. 
We heard nothing else from Wells Fargo on the matter, so naturally we were led to assume that the correction had been completed as promised. Throughout the remainder of XXXX, we had automatic payments made every month from our checking account, and we had no reason to review the electronic statements in detail. 
On XXXX/XXXX/XXXX we prepared to pay off the promotional balance of what we assumed was the 0 % promotional rate, and we planned to do this prior to when the promotional rate was scheduled to end in XXXX. At that time, we noticed that Wells Fargo had not corrected the interest rate on the account as promised, and had instead charged us the incorrect cash advance rate of 23.99 % for a total of {$1900.00} in incorrect finance charges. 
On XXXX/XXXX/XXXX we notified XXXX, then XXXX, then XXXX as we were getting transferred from place to place and finally ending up at the Executive Offices, with a person who should have been able to correct this situation. However, instead of correcting the situation, XXXX dismissed the situation as our fault, and basically told us that there was nothing that she could do for us except to lower the rate for a few months from the 23.99 % cash advance rate, to the only slightly less ridiculous rate of 16.24 % for purchases.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was advised to cancel application and delete personal information via ccpa, usps, email and platform. 

They advised it was escalated for processing I also manually removed my email and ach. 

Imagine my surprise when out of nowhere I receive an email that account is open and past due? 

Presuming my info is compromised as this point I deleted my former email. I filed an immediate dispute again reiterating what happened and further advised I see no such deposit however I would be happy to immediately pay via certified funds/debit any amount allegedly owed provided I was reimbursed once resolved this was over 4 months ago. 

I also went one step further and requested relief in their site just to ensure there were no issues while this was handled this was completed on site twice, via mail twice through XXXX  and they confirmed one time and one time only stated concerns escalated. 

They have no means to reach them via phone as it directs you to their zendesk style customer service with which I am very familiar and concerns aside their customer drive leaves a lot to be desired This needs to be corrected to date they are directly responsible to flag to clearance, over 7 credit account closures and/or reductions in lines of credit. 

They have now cost me thousands today it updated yet again as charged off dropping my score even more and prompting me to be noticed of yet another closed how is this still happening? 

I am seeking legal action to recover all damages inflicted XXXX me if this is not resolved expediently
Product: Credit card or prepaid card

Im writing to Dispute a Billing Error in the full statement balance of {$1100.00}. Reasons as follows : Pursuant to 15 U.S.C 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( 1 ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should be removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41. 



15 U.S. Code 1666d - Treatment of credit balances Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than XXXX months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number. 



18 U.S. Code 8 - Obligation or other security of the United States defined The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. 

Im requesting a full refund. The obligation again has already been paid by the United States. Please send check to address on this letter. 


Sincerely, XXXX