23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I received a text message asking if I was trying to make a purchase for {$400.00} it said reply Yes or No. I replied No. Then I received another text saying they will call me to verify. I answered the call and the person was very convincing they put me on hold and even had the elevator music while I was waiting on hold for them to ask their supervisor on instructions. Then they asked me to move all my funds into my checking account from my Chime credit and savings and in order to switch accounts I will need to send this money to such such I had a eerie feeling right then and there I shouldve hung up but I sent the money thinking it was going into a new Chime account. As soon as I sent the money they hung up. I tried to file a dispute with my Chime Bank and they told me to get a police report and I did then the deputy told me to contact the Federal Trade Commsion. Im in the process of re opening my dispute with my bank as soon as I send this because I now have a reference number regarding my police report. And now hopefully this proves to them I am not lying I got scammed for {$430.00}. My police report ref # is XXXX
Product: Debt collection

I originally accepted a federal student loan through XXXX XXXX for about {$20000.00}. The loan was assumed by Navient from XXXX XXXX and I have repaid almost {$18000.00} towards the original loan amount. However, Navient claims I owe them over {$24000.00} still. This is more than the original loan amount that I have been paying on for over 20 years. This is mathematically impossible for a loan with an 8.25 % interest rate. I have had several " forebearances '' that were applied to my account by Navient without my consent and that have made the payoff amount out of reach. I have also been told they are compounding the interest daily, and even though I have paid over {$300.00} a month for almost 20 years, they claim I am deeper in debt than when I originally took out the loan. I would be glad to settle the loan for a reasonable amount but I am not repaying double the original loan amount. Please provide some arbitration or legal assistance with this matter. Navient is well-known for handling federal student loans with very questionable practices that has led to the deception of millions of American taxpayers and they have stolen millions from the students of this country in the name of the federal government. They should be already have been prosecuted criminally for these actions but I really just want to be able to pay-off my loan for a reasonable amount. Please intervene and stop Navient from continuing to perform these types of practices.
Product: Mortgage

I received a call from a mortgage broker from XXXX XXXX on XX/XX/XXXX. She said she was returning a call about a refi I had applied for. My BK has not been discharged a year so I told her I did not apply for a refi. I thought someone was trying to steal my identity so I began to ask her questions. When I got to the bottom of the problem it turns out that Nationstar mortgage had applied for a refi in my name on the XXXX website. I did have a mortgage with Nationstar but it was included in my BK. I do believe this is predatory lending on behalf of Nationstar and XXXX. I also believe this is against the Fair Debt Collection laws since my BK was discharged in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested Mortgage Forbearance XXXX XXXX to provide time to adjust to changes with income. On XX/XX/XXXX, I requested the forbearance be removed. Somehow Wells is stating I re-requested an active forbearance. This is inaccurate, Wells Fargo advised I would need to make three payments to reinstate my loan prior to any modification. I began making payments in XX/XX/XXXX and through XX/XX/XXXX. In XXXX, I met the requirements for modification. Wells dispatched a title company 30 days later on XXXX to sign paperwork. In XX/XX/XXXX I began calling Wells Fargo, requesting an update after I noticed my XXXX payment was not applied to my mortgage and placed in a suspension account. I requested my credit report be updated. Wells is reporting NR XX/XX/XXXX. I made payments in XX/XX/XXXX and XXXX. The reporting is making it appear I have not made any payments for 9 months ; furthermore l, have a hardship. My report also has a notation that I am making a partial payment agreement. I escalated to the Wells Fargo Executive Team and have provided them 14 business days to correct the information. I would like the comments on my report updated to paying as agreed. I never paid partial payments. I deferred three payments to the end of my loan. In addition paid 8 additional payments since loan origination. Because I set up bi-weekly payments. I would also like the months I made payments to reflect those. 
It was my understanding the forbearance would not reflect poorly. If I new it would take 6 months to reinstate / modify my loan I would have repaid the suspended payments. This information was not discussed as we are all in uncharted times. I was working with my financial institution on a new loan and their underwriting flagged the non reporting mortgage payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I moved from XXXX XXXX XXXX XXXX. XXXX XXXX, NY to a new address. Mail came to that old address and it was stolen by the new residents. I forwarded the mail at the US Post Office but some important mail slipped through. I found out that the new residents had used my name to apply for various types of accounts. The following inquiries on my credit were not authorized by me! 

XXXX XXXX  XXXX  XX/XX/XXXX XXXX/XXXX Date XX/XX/XXXX XXXX XXXX/XXXX  of XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My original lender was XXXX XXXX up until XX/XX/XXXX XXXX is reporting that I was 120 days past due on my account with them in XXXX, XXXX of XXXX this is clearly Im accurate Im asking they remove the account from my profile as I have never sign any agreements with them
Product: Prepaid card

Activated the card online on XX/XX/XXXX according to instructions on the back of the gift card. Card shows active online. Tried to make transactions within the available balance limit of the card which were all declined. 

Called customer service on XX/XX/XXXX and spoke to a representative who said the card is inactive, has no transactions, and they need to open a case. Have been on hold for 20 minutes with no clear resolution. The card has {$1000.00} on it which can not be used.
Product: Debt collection

I received a letter from Midland Credit Management threatening to take me to court over an old debt. This is the first letter that I have received from them. I called to ask them to mail me a validation letter and that I would happily work with them if they did so. They kept asking me if I was admitting that the debt was mine, I explained that I can not do that because I need a validation letter to review. They stated that they sent a letter in XX/XX/2018 to an address that I did not live at during that time. They then changed their story and said that they mailed it to a different address in XXXX of 2018. I was transferred a total of 3 times and each person provided different conflicting information. I repeatedly asked for a validation letter to be mailed to me. They refused every time and said that they would only review this over the phone with me. I stated that I would not do that because they're known online for going back on their word, and that I am requesting the validation letter be sent because I never received it and would like to investigate this matter. They again refused and I disconnected the call.
Product: Money transfer, virtual currency, or money service

SUMMARY : {$3100.00} disappeared after moneygram.com transfer marked as successful, no response from Moneygram support ( case XXXX ) for 11 days at the moment of this complaint and I was told in Moneygram live chat I need to wait up to 90 days for any response from Moneygram support. 

DETAILS : On XX/XX/2023 I made transfer ( ref XXXX ) using https : //www.moneygram.com/ of {$3100.00} ( from my debit card ) to XXXXXXXX TRY to XXXXXXXX XXXX of XXXX XXXX which admittedly was a wrong currency account ( USD while transfer receiving currency is TRY ). Correct XXXX for TRY was XXXX. Money should be in recipient account by XX/XX/2023 and Moneygram transfer was marked as successful. Money never not reached recipient accounts ( XXXX and XXXX ) and there are proofs as recipient account statements for these both accounts ( attached ). Recipient bank was not aware about this incoming transfer as well ( it is not in some pending state as far as we know ). 

At this point I have not received any response from Moneygram support ( case XXXX ) for 11 days at the moment of this complaint and I was told in Moneygram live chat I need to wait up to 90 days for any response from Moneygram support which does not seems to be acceptable as long as I am or my recipient out of this pretty large amount of money. On XX/XX/2023 I specifically indicated in this support case that I will have to file CFPB complaint if will be no reaction from Moneygram support until XX/XX/2023.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX Account # XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir, Maam, Per the FCRA, I XXXX XXXX as a XXXX XXXX consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00}, for every violation.

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ).

" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Transunion and XXXX etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. 
Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

313.1 Purpose and scope.

( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.

433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

XXXX XXXX
Product: Credit card

I over paid my wells fargo at XXXX XXXX XXXX XXXX XXXX CA XXXX credit card by {$60.00} dollars 5 months ago I 've called wells Fargo at least 10 times they said they need to send a paper for us to sign to be able to receive my money back every time I called they tell me to wait for 15 days nothing comes on the mail .I have asked for my money to be deposited into my account but wells Fargo said theres no way it can be deposited into my account
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts that are not mine on my report. XXXX XXXX XXXX {$23000.00} XX/XX/2021. XXXX XXXX XXXX {$12000.00} XX/XX/2021. XXXX XXXXXXXX XXXX {$87.00}, XXXX XXXX {$30.00}, XXXX XXXX {$30.00}, XXXX XXXX {$4.00}.
Product: Debt collection

Hi I am Im making this complaint against CREDIT MANAGEMENT LP for identity theft. I have never given CREDIT MANAGEMENT LP any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until CREDIT MANAGEMENT LP can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and CREDIT MANAGEMENT LP continues its collection efforts, I will file for litigation for actual damages caused and CREDIT MANAGEMENT LP will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/year>, I fell victim to a multi-layered scam operation run by group of scammers ( the Company ), which involved me making deposits for a total amount of XXXX USD from my Coinbase account to fraudulent investment firm ( s ).
Product: Debt collection

I have been contacted multiple times now by different debt collectors from XXXX XXXX XXXX. I do not know what XXXX XXXX XXXX is nor do I ever recall getting a loan. They threatened to have me arrested if I didnt pay the {$600.00} in 24 hours. They would not provide me with any information regarding where the loan originated or and documentation of any kind validating the debt. I have no problem paying me bills but if I cant be provided proof I owe anything, Im not going to give my card or bank information. They said they were from The XXXX XXXX XXXX in XXXX FL. I looked them up and it says nothing about debt collection.
Product: Credit card or prepaid card

was looking over my credit report and I noticed that 30 and 60 day late payments that were supposed to be removed ON MY XXXX XXXX XXXX CARD. The dates were 2- 2020, 3- 2020 my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this alate mark is preventing me from moving in to a new apt . I was under the COVID-19 SHUT DOWN .The CARES Act calls these agreements accommodations
Product: Debt collection

I have an unauthorized charge on my account from a credit card I did not open. I was a minor at the time. Tried reaching out to credit burea like XXXX and nah be notified them and I was told a claim had been made and filed that I never received confirmation or follow up on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with TFC CREDIT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and TFC CREDIT with no successful resolution. XXXX, XXXX, and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.
Product: Mortgage

I have contacted XXXX XXXX, XXXX repeatedly over the past 6 weeks leaving voicemails and sent emails and have not received one single call back or reply. I have also contacted the lenders attorneys office over the past 4 weeks leaving voicemails requesting a return call and have not received 1 single call back either. 
I have filed a written debt dispute with this lender ( after repeatedly informing then since they purchased my loan ) that the amount is incorrect that they are claiming I owe. I also sent a letter to both XXXX XXXX and their Attorneys office on XX/XX/XXXX and XX/XX/XXXX disputing the debt and requesting a follow up in regards to this matter. Yet, 2 months later I still have not been contacted with updates in regards to this matter and all my attempts to contact them go unanswered as they have for the previous 2 years with this lending service in regards to this. 
On XX/XX/XXXX ( date of identifiable event ) a cancellation of debt was issued in the amount of {$21000.00}. But that was NEVER from the principle nor balance of the mortgage loan in question. But yet I received a debt cancellation notice from the IRS and had to pay taxes on this amount. 
In XXXX a loan adjustment agreement was entered in by both parties in which " the unpaid principle balance of {$100000.00} would be decreased by {$30000.00} for a total unpaid balance due of {$72000.00} ''. Adjustment Agreement also states " Servicer also agrees to forgive {$41000.00} '' AS WRITTEN IN THE LOAN ADJUSTMENT. Which the agreement stated in writing and notarized in this agreement " You will never be required to pay these amounts ''. The said above amounts were never deducted at all from the principle of the said mortgage nor were any behind payments fully cleared out. 
I have requested repeatedly for these errors with this mortgage be corrected and XXXX has done nothing since Day 1. 
I have also requested a loan modification to bring loan current once my account is corrected to the correct principle and balance in accordance to the loan adjustment dated XXXX. I have not heard anything back in regards to a loan modification if needed once account is corrected and I have not been contacted with options that would be provided to me. Also due to COVID hardship I did submit a hardship notice, but XXXX continued to charge me late fees, reported my account as late and delinquent to credit bureaus. They also refused to pay the homeowners insurance and taxes that are suppose to be escrowed into my payments and are included on my loan agreement date XXXX and any/all loan papers prior. They didnt pay homeowners insurance policy amd then places " forced insurance ' on my account. They failed to pay taxes during COVID hardship. I received a notice for delinquent taxes from the tax office in which school taxes were over due by 8 months and town/county were overdue by at least 4 months. I had to contact the bank repeatedly to straighten out the taxes. They also added {$20000.00} in legal fees onto my account during the COVID hardship periods allowed by law.
Product: Credit card

VALIDATION AND CEASE AND DESIST Collection agency name : LVNV funding LLC. 
Address : XXXX XXXX XXXX XXXXXXXX, Sc XXXX Account number : XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXX XXXX XXXX. 
Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 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 date of receipt. It has been well over 30 days and you are in VIOLATION of this law because I am the victim of identity theft. Please delete these items IMMEDIATELY. These accounts should not be furnished on my consumer report as they are in VIOLATION. Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

XXXXXXXX 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 submitted complaints through the CFPB portal on XX/XX/XXXX and XX/XX/XXXX hoping for a prompt resolution to this erroneous reporting but it has not happened. After speaking with Wells Fargo multiple times they have failed to update my payment summary to 100 % accuracy according to the FRCA. The account has been consistently updated as charged off every month. This perpetual updating of the payment history is highly irregular and misleading. A charged-off account should not include an active payment history, as it falsely manipulates the statute of limitations. I have attached documentation from them stating the account was charged off XX/XX/XXXX however they have reported it as a charge off 18 consecutive months AFTER it was Repossessed and for another 35 months they did not report to the credit bureaus, they then started reporting again in XX/XX/XXXX for one month, only to stop again and start reporting again XX/XX/XXXX until XXXX and now they have the account as Closed Paid. This reporting is clearly inaccurate and in violation of my rights. 

They have also updated the payment history to Paid, Closed but the most recent payment status in XXXX is XXXX, how is that possible? It's clear they are not playing by the rules they agreed to and need someone to step in and assist them.