23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My complaint is regarding Care Credit MasterCard. 

In XX/XX/2020 I received a promotional offer from them to have charges of {$200.00} or more interest free if paid off within twelve months. On XX/XX/2020, I placed a charge of {$200.00} on the card. My statement arrived, and it says a minimum of {$29.00} is due. This minimum payment amount makes it mandatory to pay the balance ( except for {$.00} ) in seven months.Therefore the twelve months interest free promotion is a deception. In fact, the promotional balance would not be effective for a charge under {$340.00}. This company is fraudulently representing the amount that needs to be charged to take advance of their " interest deferred '' promotional claim. 

Had I known of this deceptive practice, I could have put the charge on a better card and at least gotten points that I could use.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX nad TransUnion credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$240.00} ; XXXX XXXX XXXX Balance : {$4400.00}
Product: Debt collection

I received debt collection from EOS CCA regarding a XXXX XXXX I already paid back to XX/XX/2016. The debt EOS CCA collected is {$450.00} with statement date of XXXX. 

I faxed EOS CCA dispute department at XXXX on XXXX providing with the bank statement showing the payment {$340.00} being made. My dispute was refused when I call the dispute department on XXXX because the amount what I paid {$340.00} is different from what they asked for. The dispute department said that what I paid is for the different account they asked for. However, during that time, I only have XXXX XXXX account. 

In XXXX, I did email to XXXX with the proof of payment to dispute the charge with the following information. Unfortunately, I did not get any response. 

In the attached file, please review my original email dispute with bank statement to validate my payment.
Product: Debt collection

I havent received any collection notices and I was notified of a debt from iq collections
Product: Student loan

I am writing to express my dissatisfaction with the handling of my student loans since their consolidation on XX/XX/XXXX. I applied for loan consolidation to become eligible for the Public Service Loan Forgiveness ( PSLF ) program and requested placement on the SAVE Plan. However, I have faced numerous issues since then : On XX/XX/XXXX, I was informed that my consolidation was complete, and Mohela would be my new servicer, but I have been repeatedly placed on incorrect payment plans. 

Despite following their instructions and resubmitting the SAVE application five times, I have been placed on the Standard Payment Plan, IBR-C Payment Plan, and now the Level Payment Plan, resulting in monthly payments over {$800.00}, which is significantly higher than what I qualify for under the SAVE Plan. 

Due to Mohela 's errors, I have been placed in forbearance every month from XX/XX/XXXX to XX/XX/XXXX, causing these months not to count towards my PSLF payments.

I am eligible for the SAVE Plan, and these issues are jeopardizing my ability to have these loans forgiven within a reasonable amount of time and significantly adding to mental stress and anguish.
Product: Debt collection

I have never stepped foot into ABC loan company a day in my life. They are trying to collect debt that I do not owe to them. I have constantly called them to dispute this off of my record and they are giving me problems but this is illegal I never signed anything with them.
Product: Mortgage

On XX/XX/2020 I submitted a loss mitigation package for review for a loan modification. I called weekly and submitted supporting documents as requested. I have attached my original submission including the bank statements and income documents that were submitted. On XX/XX/2020 I received an offer for a repayment plan that has a payment larger than my total monthly income. I have also attached that plan. The same day I received that unaffordable plan I submitted an appeal regarding their decision. Appeal is also attached. I called to check status of the appeal and was told it was being worked on. On XX/XX/2020 I called Fay and spoke to XXXX ID XXXX who said the appeal was not being answered. I then sent in a research request asking for clarity regarding the loan and how it had been handled. This is also attached. On XX/XX/2020 I received a letter that said my appeal is denied and did not respond to my other questions. I called Fay and was told there was no more research being done on this file. I was served during the foreclosure moratorium in Florida, I was unable to get any COVID assistance, my interest rate is 7.25 % however my paystubs show my affordability capacity. I would like Fay to respond to the questions I have about my loan. Thank you.
Product: Mortgage

My load was sold to Specialized Load Servicing in co. Ever since the transfer, back in XX/XX/XXXX they have called every month about my loan. My loan is due the XX/XX/XXXX of every month, and late after the XX/XX/XXXX. I was on auto payment, and they did not call. I removed that service, and now they are calling everyday. They are complete XXXX. They seam to ignore the terms of my original XXXX XXXX Loan, which by law they have to follow.
Product: Mortgage

I was downsized & unemployed for XXXX  months field for a loan modification *I have over $ XXXX equity in the XXXX & owe them $ XXXX they ran me through the ringer for the past year I had sent over no less than XXXX pages of documentation, XXXX phone calls & XXXX emails. I was just notified I was denied the modification & that I had to either pay the entire past due upfront or pay {$2300.00} per month XXXX used to pay {$1200.00}. I do not have the extra money to do either. I cant reach them ( Citizens directly ) & Shellpoint says they cant help. I have been a great customer until I was downsized. My XXXX XXXX XXXX approved me for the modification. XXXX has over XXXX complaints with the XXXX  & makes it impossible to contact anyone directly. I am a sXXXX XXXX with XXXX kids in college asking to put the past amount due on the back of the loan so I can catch up. Please help me get this resolved asap. Thank you XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

NCB management services is impossible to deal with. I went to a dealer to get a loan with my wife. We applied and got approved threw XXXX. We went in and signed. After signing they asked for my proof of income, proof of residence and my drivers license. I provided the dealer with all the requested information. Unfortunately my license was suspended and expired at the time. The dealer told me I could not be on the loan, and my wife would more than likely not qualify by herself but they would try. The resubmitted the loan in just her name and she was approved. She went in and resigned in just her name only. We took the car home. I some what recently found that my name was in the loan. I could not be on the loan because my license was expired and suspended. I have tried multiple times to correct this via different avenues, but NCB management insist that there 's is not a mistake. They sent me a copy of all documents they had, in the documents was the contract i signed that wasnt valid because my licsense was suspened and expired, and a copy of my drivers license. That copy of my drivers license had a valid experation date, but you could clearly see that the date had been changed as it did not match the font of the rest of the drivers license. The dealership changed the date on my license and went with the first contract. The dealership commited fraud. When I spoke to them on the phone told them what happened and told them that it violates my rights, they said " do n't throw around terms you do n't understand ''. They also said they only way they would consider removing the item from my credit was if I filled a police report. I call the city police department where I purchased the vehicle, because the loan was opened 10 years ago, they informed me that it was past the statute of limitations for fraud. I can not file a police report. I no longer have the license from 10 years ago. I asked NCB if XXXX verified my identity, by verifying the sent documents? They said it 's not up to the lender to verify documents, that they took it on good faith from the dealership. They opened the account without verifying my identity, cause if they had verified it, they would have sent the contract back because my license was expired and suspended, and the documents did not match. XXXX violated my rights by opening an account without verifying my identety.
Product: Debt collection

I do not owe XXXX this debt I switch carriers and and the remaining phone bill was paid this amount is false I been with XXXX for 13 years until they started adding false charges on my statement I was offered a plan with XXXX and my lines carried over and the remaining monthly charges was satisfied as I inquire about my payment they can seem to locate me in there system
Product: Checking or savings account

On XXXX XX/XX/2020, I opened an online checking account with SunTrust. They approved the account and provided an account number. I changed my government retired direct deposit and funded the account with another bank account. I attempted to sign into the account on XXXX XXXX. The error notice said the account was locked. I called SunTrust and they said their " loss prevention '' dept is going to close the account for an undisclosed reason. No notification to me of this was made. If there had been a problem, they never should have opened the account in the first place. I had to reverse the direct deposit and the banking transaction. I probably have about 4 hours total with this bank rodeo and then I'm treated in this way. There is nothing in my background to warrant closing the account. My credit score is about 850, no debt, no criminal, nothing ( retired XXXX XXXX XXXX  ). SunTrust should trust their customers a little more and inform them, even when they make irrational decisions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to look at a new car when my credit was pulled I saw several accounts that I have never done business with, I don't have any paperwork or bills from collections agencies or any type of notifications. I have been back and forth in College between XXXX  and XXXX. I now live in XXXX. Someone has you my information to open accounts and credit. 
TRANS UNION File Number : XXXX XXXX  Report Confirmation # : XXXX XXXX  XXXX XXXX  XXXX XXXX  # XXXX XXXX XXXX XXXX  # XXXX XXXX  XXXX XXXX  # XXXX XXXX  XXXX  COMPANY # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX   XXXX XXXX XXXX XXXX The following addresses are not mine on my credit report they are inaccurate as reported : XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX XXXX , XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX , XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX I am a victim of ID The
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 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any report containing any of the following items of information and 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: Credit reporting

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Equifax fraud division REPORT # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Sir or Madam : Regarding account : XXXX XXXX XXXX # XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather than using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, Equifax et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 

I am a victim of identity theft. I am requesting that this account be block according to the pursuant to section XXXX of the Fair Credit Reporting Act a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the request this is an ongoing issues with Equifax
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumers report I noticed a few accounts that do not belong to me. I do not know who these companies are reporting and I haven't given my info to anyone. Here are the accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX //LATE close - Balance $ XXXX-Date Opened : XX/XX/2015
Product: Money transfer, virtual currency, or money service

Coinbase s uspended my account access and I ca n't log into the account at all. They asked me to upload my ID to allow an increase in transactions and as soon as I uploaded my valid ID they suspend my acco unt. TI st ill have funds in my account and I have no way of accessing them or removing them at all at this point. I 've sent several emails over  a 2 week time frame asking to resolve this issue and restore my account access but only got one automa ted reply with information about ID uploads ... none of which applies or has anything to do with my requests. They have n't addressed the issue and have not replied to any communications.  <P/> I would like to have someo ne at Coinbase restore my account so that I can log in and remove my funds that are still there.
Product: Credit card or prepaid card

I have contacted the Netspend numerous times trying to dispute a {$400.00} charge on my card that I did not authorize. They gave me the run around for almost 4 months for me not to get my money back. A charge was made regarding concert tickets i never attended nor authorized. Every time i called Netspend to speak to a supervisor one would never call me back. This the worse experience every had in my life and I cant afford to lose {$400.00} during a pandemic with no job!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two bankruptcies listed on my personal credit report. I wrote a certified letter to the United States Bankruptcy court asking if they reported this information directly to Experian. The written l-etter I received back from the United States Bankruptcy Court advised me in writing that the do not report any bankruptcy information to any of the credit reporting agencies, neither do they update status information for any bankruptcies. I wrote Experian on several occasions and asked that the bankruptcy information listed on my report be removed since it was not directly reported to Experian by the United States Bankruptcy Court. I also asked Experian to give me the contact name and information for who reported this information. I further questioned them to furnish me the information for who reported the information. Given the fact that the United States Bankruptcy Court did not furnish them with such information. Experian has refused to delete the information. I would like the bankruptcy information deleted from my report immediately.
Product: Credit card

On XXXX XXXX, 2023, I applied for a credit card through Capital One and I was denied access to my credit. My suspicions of Securities Fraud were confirmed when I received a subsequent email outlining their adverse action against my application which details their violations of the Consumer Credit Protection Act, Fair Access to Credit Act, and The Truth In Lending Act by discriminating against me based on my previous good faith exercise of my rights under the Consumer Credit Protection Act. I contacted Capital One customer service about the email and questioned the discrimination and was informed I would receive a letter explaining the adverse action, which was only sent as the previously mentioned email. I then requested that if the final decision is a denial which I was informed was the status, Capital One return my application for credit to me as it amounted to an invalid contract due to their failure to return value to me for the security provided to them in the form of the application that provides them access to my credit for which they will receive the face value in XXXX 's upon delivery to a Federal Reserve Agent. This request was denied and I was informed they intended to maintain control of this instrument as well as report to the credit report agencies for a minimum of 24 months after their having accessed my credit history.
Product: Credit card or prepaid card

Back in XX/XX/XXXX I mailed a written letter to XXXX and asked to be permanently opted out, because I was receiving unsolicited mail from CapitalOne. However, today XX/XX/XXXX, I  received yet another offer from Capital One for their credit card. What do I have to do to get these predators to stop harassing me?
Product: Mortgage

Wells Fargo is conducting UNFAIR BUSINESS PRACTICES. 

Wells Fargo ignored my questions in the complaint and glossed over one element and did not address the 5 resolutions that are needed.

1. Wells Fargo needs to reimburse me for over charging me for home owners insurance.

in 2022 my insurance bill of two policies totaled {$12000.00} ; Wells Fargo charged me {$19000.00}. Wells Fargo owes me {$6600.00} from 2022.

2. Wells Fargo claims are " shortages '' year after year, yet year after year they have overcharged me. Wells Fargo needs to repay in full for every year they have conducted this unfair business practice.

3.Wells Fargo needs to give me the full escrow report. I never asked for an escrow account. I have asked to have it closed a multitude of times.

4. Wells Fargo needs to pay interest on all over charges for the length of the loan.

5. I would like to close the escrow account, and be reimbursed for overpayments.

6.I would like to be reimbursed for all fees charged by wells fargo that was stated in their offer letter to defer payments until the end of term at no cost or penalty to homeowner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 01 XXXX ) XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting

Disputed information with Equifax regarding a XXXX XXXX credit card disputing to late payments : XXXX - XXXX, XXXX - XXXX. In speaking with agent, I asked at what point will these late payments cease to have a negative impact on my credit score provided by Equifax ; the score provided to the consumer and the score provided to a potential lender. 

XXXX agent disconnected the call. XXXX agent had to escalate to a Call Center Supervisor. Unfortunately, the Call Center Supervisor did not directly answer the question. Instead, explained that a potential lender has the ability to utilize multiple scoring models from each Credit Reporting Agency. Then, placed the responsibility the potential lenders and the score cards used when evaluating a consumer for credit.