23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I acquired my family home when my mother XXXX XXXX in XX/XX/XXXX 2016. She left the house to me through a deed of trust that she established many years earlier. I have an existing mortgage. When I informed the mortgage company, Seterus Inc. that my mother passed away, and I informed them of the deed of trust, I was told that I could not become " owner '' of the property unless I moved into it as a primary residence. I was also forced into an assumption mortgage although the property was mine legally through inheritance. I moved into the property, making it my primary residence although I had a home with a mortgage, made payments through a " trial '' period for a property that was already legally mine, and suffered through all of the unnecessary processes that Seterus presented.

Recently I got a new job. It is a better paying job that will more easily allow me to pay two ( 2 ) mortgages- my own and the acquired mortgage. While waiting for my first paycheck, I fell behind on both payments. My own mortgage company understood and is working with me. Seterus is quite another matter.

I need intervention so that I can keep the property to do with it as I please. There is a considerable amount of equity at stake that I feel Seterus is aware of. I also believe this awareness motivates how they are handling the entire situation. I will not lose this house.

Resolution : Seterus should provide a real modification, not the in-house non-sense offered. The current principle and interest are only {$30000.00}. My payments are over {$900.00} per month. Outrageous.

Signed, Frustrated
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 accurate reporting, privacy and confidentiality under 15 USC 1681. 

dept of ed/XXXX acct # XXXX XXXX XXXX  acct # XXXX XXXX  acct # XXXX XXXX  XXXX XXXX acct # XXXX XXXX  of XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX  XXXX 15 USC 1681 section 602 A states i have the right to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c . ( a ) ( 5 ) section states no consumer 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 USC 1681a-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: Student loan

I am trying to enroll in the PAYE repayment plan and submitted my application on XX/XX/year> on the studentaid.gov website. They have processed the application and forwarded it to MOHELA for implementation. They have not placed me in the right plan for the last 3 months. This could lead to a longer time for PSLF forgiveness. I have attempted to call MOHELA, but the wait times and unhelpful customer service agents make it challenging.
Product: Money transfer, virtual currency, or money service

It all started in XXXX last year when I met a guy online who introduced himself as XXXX XXXX. He said he was a XXXX XXXX fighting in XXXX. We kept in touch for a few weeks before embarking on a long-distance relationship. I was madly in love with him. I trusted him, and he took advantage of that by asking for a loan. When it took off, I realized he was a con artist. Money was transferred from XXXX to the scammer in the total amount of XXXX AUD utilizing your services. Money was transferred through XXXX in the total amount of XXXX AUD utilizing XXXX services.
Product: Checking or savings account

On XX/XX/23 I made a purchase for {$69.00} under the assumption I would receive my merchandise in the mail in 2 business days or less after the item was shipped as that is what I paid for. On XX/XX/23 the item is shipped ; on XX/XX/23 the item was delivered. I contacted the merchant and was denied compensation or any form of resolution and was told there was nothing they could do. I would not have consented to the transaction if the delivery dates would not be upheld. After this, I filed a dispute with my bank ( Bankmobile vibe with accounts provided by customers bank ) and explained the situation. After having the case dragged on as long as it could. The merchant sent in documentation supporting my claims ; first would be proof of delivery that shows the delivery dates were not honored, two, would be the call records and employee notes showing that I have been in contact with the merchant and no resolution or compensation has been reached, and three, the receipt showing the days I purchased the item, the day the item was shipped, and the clarification that I specifically paid for 2 business day shipping. Immediately upon receiving this information Bankmobile fraudulently denies my claim with the following message, " You state that merchandise was not as described but the merchant states goods/services were provided. As a result, we are unable to pursue this matter and will be closing your claim. We recommend you contact the merchant directly to attempt to remedy your situation. '' There is nothing the merchant provided or in this message that refutes my claims or validates the merchant. The merchant simply states that goods/services were provided and did not refute my claims or acknowledge them and sent irrelevant documentation that my OWN bank did not read or validate in any way. I have several voice recordings of bank mobile employees validating my claims and visual aids as well. I have left a visual aid and two bank employees validating my claim.
Product: Payday loan, title loan, or personal loan

I have tried to pay off this loan that is ruining my credit for the past three months and there is no way to do it apparently I got an email saying there's a glitch in their system and they're not able to apply my payment yet it is still showing up on my credit and they refused to delete it even though I've offered to pay it off in full several times now over the phone I've offered different payment methods anyway I can think of I even have a checking account with them that they could take it out of yet they still can not pay off the loan and get it off my credit I've had it with this company I never even received a loan it's one of those prepaid credit builder loans that I never even received the money for I have to pay for it before I can get the money it's absolutely insane and ironic that it's on my credit and destroying it especially after I tried to cancel it shortly after before anytime even started because it wasn't what I thought it was and I wanted to cancel it out immediately but they would not let me and now they won't let me make a payment I'm done with this company! Terrible. Thinking of closing my checking account bc they are the only ones screwing up my credit and they don't care
Product: Credit reporting or other personal consumer reports

I have 4 hard inquiries on my report that were said to be pre approved offers from Experian and will not be considered hard pulls on my credit report. Upon being declined the inquiries were hard pulls on my report therefore false advertising on Experian. I will like these inquiries removed thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

by XX/XX/XXXX I request to Wells Fargo review an inaccuracies in my credit report, I gave 30 days, they answer was need more information my dispute was clear and attach the report multiples inaccuracies, one of them DOLA DIFFERENT BETWEEN THE 3 OF THE BUREAUS.
Product: Credit reporting or other personal consumer reports

I hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : XXXX XXXX XXXX Account Number : XXXX The account referenced above is completely inaccurate. There are multiple violations when you look at the payment history. How can you report two 30-day late payments and then a 90-day and then charge-off? That makes no sense. The malfeasance of these reporting agencies has become unchecked and they feel as though they can do whatever they want and think that they'll get away with it. Please do your best to rectify these mistakes or I will take legal action against these reporting agencies and sue them to no end. 

Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.
Product: Debt collection

I have already disputed that these accounts are a result of Identity Theft, Please Remove ...
Product: Money transfer, virtual currency, or money service

On XX/XX/23 I accidentally sent XXXX XXXX  dollar payments to my attorney using PayPal because I wasn't getting a confirmation number I attempted several times this is how 3 payments where sent. I called PayPal and they said they would cancel 2 of the payments. On XX/XX/XXXX the 2nd XXXX payment came out of my account causing me to over draft and have some of my reoccurring payments decline this caused fees to be assed by my creditors. I called PayPal again they advised this was going to be fixed and that it would take about 30 days I had to borrow money in the mean time to cover all the fees and to bring my account out of the negative. This morning I wake up to the same nightmare with the 3rd XXXX dollar payment which they said it had been canceled over drafting my account once again. I have numerous times called and tried to get this resolved and it hasn't worked. I am once again with XXXX dollars in my account that will cause overdraft fees and a huge impact in my credit and financial health as well as my XXXX XXXX Please help me get this resolved asap.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a couple months ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was flagged as having a delinquent account with the Golden 1 Credit Union for a joint credit card under another member, XXXX XXXX XXXX XXXX. This account was under his information and we were no longer in contact for over 4 years before the account was put into collections for non-payment. I was never contacted regarding outstanding payments for this account even though I have an account with the Golden 1 Credit Union and had my email, phone, and living residences on file. 

I only found out about the delinquent account when I received an official credit report which showed the damaging effects that it had on my credit score when trying to purchase a home in late XXXX. Throughout the mortgage/loan process I reached out to the Golden 1 Credit Union multiple times and they said that they would look into it and eventually someone at their call center said that the case was closed and the flag removed, that was in XXXX XXXX. I also followed up with the debt collector that the account was sent to and they also said that the issue was resolved. I checked back in XX/XX/XXXX and it still shows the delinquent account, it is still hindering my credit score from improving appropriately. 

I filed a dispute request through XXXX in XX/XX/XXXX and there was no change in the issue at hand so it said to go through this site for next steps. 

I'm looking to get this removed from my account, credit report, etc so that I can financially move forward without the damaging effects from another person continuing to hinder my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to the three credit agencies ( XXXX, Experian, and XXXX ) concerning my negative items on my credit report on XX/XX/2017 and neither have sent me information verifing my negative items bearing my name.
Product: Debt collection

I have a student loan provider XXXX that defaulted my loan into collections without notice. During the pandemic, all student loans were on temporary pause until it recently started back up. Now that it has started up again, I have been paying all my student loan providers ( XXXX, XXXX, etc. ) on time. When I looked on my credit report, it said I has 35 missed months of payments on XXXX closed account for {$1300.00} and it went into collections. I was never aware of this and was never notified in written notice because loans were put on pause. It has affected my credit score dramatically. I attempted to call Radius Global Solutions in regards to this issue multiple times but no one is answering. There was never an issue of paying the loan, I just never knew it went into default because I never received a written notice.
Product: Vehicle loan or lease

I purchased a used car from XXXX XXXX XXXX in XXXX, they took advantage of me by charge me what I didnt ask for and send the wrong rounding number, and then they bank first help financial charges me late fees for insufficient funds, that was not true, they didnt want to wave the charge plus no manager was available, after numerous calls finally spoke with one manager and she told that the financial person at the dealer sent them and I signed it, my question is, as a big financial company they couldnt see the error in the beginning, they had my statement from the bank, my SS, my address, i am reaching out to you for help, i bought cars before I never got robbed like this, please help me, the dealer and the financial bank both do me wrong by the way i bought XX/XX/XXXX the first payment was XX/XX/XXXX, and i took the car to service 3 times with the same problem
Product: Credit reporting or other personal consumer reports

XXXX XXXX financed a vehicle that came from XXXX XXXXXXXX near XXXX TN. The vehicle was supposed to be returned and the account was to be closed due to being purchased under false pretense. XXXX XXXX stated that if reported within 30 days they would investigate and take action. The car company used XXXX XXXX because they get {$1000.00} back if the loan stays open for 90 days. XXXX XXXX was notified on the XXXX day that the vehicle was inoperable and would require a new motor and transmission which would require an additional {$15000.00}, well above the loan value of the vehicle. The additional warranty that was purchased was refunded because of the severe problem happening before the 30 day resting period. The problem was determined to be preexisting and should not have been sold. XXXX XXXX did nothing, and now my report reflects their negligence in the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX they continue to report a balance on closed account They failed to provide verification of accounts which could not be verified also by the reporting company XXXX XXXX reopened and account status that was once reported closed, they continue to do so and reset the statue of limitations which is against the law. They continue to report account verified that could not be verified by the reporting company XXXX XXXX.
Product: Credit card or prepaid card

XXXX XXXX XXXX open up secured credit card along with a bank account in my name. The bank account was approved by me for direct deposit from my unemployment but the security card was never authorize to be opened in for my money to be transferred from the Account to the secure credit count without my knowledge. I never received the secure a account where my money was transferred and authorizations were used without my consent and I know the XXXX XXXX multiple times that I have not received this secure credit card and that I have not been able to use it. They continue to send me the debit card they already have a money transfer from it twice. Finally when they received the secure account my account was already being usedAnd over thousands of dollars was used out of my account on an authorized I found a complaint they did nothing for it with over 45 days in the knighted at even after I provided them proof of I didnt have all my debt record and proof that this cause he was done on my other bank account
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I was a victim of a phishing email scam. 

The email came from what looked like XXXX. The email was : XXXX In the email they sent an invoice of {$500.00} I bought in bitcoin. I have never bought XXXX. So I called the number at XXXX to dispute the transaction. 

The other person on the line was incredibly professional and convincing. He claimed the charge came from an IP address in Texas. I have no association with Texas. 

I was in a panic and not thinking straight. This was a lot of money. So I did whatever this very professional, reassuring voice on the other end of the phone told me to do. 

They wanted to verify my IP address by sending money through XXXX. This was to assure my IP address and somehow catch the other person. 

I understand it makes little sense but at the time I was not thinking straight. They assured me the money was going to come to me instantly again from their manager, XXXX XXXX. 

I ended up sending XXXX transactions to them. XXXX for {$1300.00}, and another for {$1300.00}. 

The money was taken right away. They hung up and that was it. 

I rushed to my nearest Wells Fargo bank and explained everything. I filed a complaint and got all new accounts. 

Yesterday Wells Fargo closed their claim stating that they have provided all the information I gave to the bank institution I sent the money to through XXXX. It is now up to that institution to decide to give me back the money or not. 

Wells Fargo says they can not do anything at all and that I am to the mercy of this other bank. They will not provide the other bank for me to follow up because its against security protocols. 

Nearly {$3000.00} is gone and I have no one to go to for help now. I have no answers. My bank Wells Fargo has given up on me. 

I understand that they have no way to get the money back and to refund me, but it just seems irresponsible of all these banks to not have any security measures to cancel or hold these transactions. I alerted my bank nearly 20 minutes after this happened during banking hours and it seems like absolutely nothing was done. 

I dont know what Im asking for, I dont know how this money will ever be given back. I fear I must accept that it is gone. 

Though I know I am not the only one who has gone through this. Not the first, certainly not the last. 

I just want my story to be noted so that we can hold either the banks or XXXX itself responsible for these scams on the innocent. Maybe somehow through your interference you can help me get more answers. 

I forgot to mention that the scammer called me the next day with the number XXXX claiming they were still from XXXX. I hung up and blocked them immediately. 

Thank you for taking the time to read this.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer. Capital One has cited technical issues which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting or other personal consumer reports

This is NOT a fraud complaint. Do not place a fraud alert in my credit file. 

I have challenged the reporting of a bankruptcy on my credit report XXXX separate times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I demanded each and every document that they have in their physical possession on each of those dates. This demand was made pursuant to the FCRA 15 UCS Section 1681g. They were specifically asked not to merely state that is has been verified as this is not in compliance with the law. This must be done in Metro 2 Format reporting.

In the event they did not have any documentation in their physical possession as of the date of these demands, under the Fair Credit Reporting Act Section 1681 ( i ), ALL unveried accounts must be promptly deleted. Moreover, I disputed the validity of each of the bankruptcy, under Section 611 ( a ) ( 5 ) ( A ) ( i ) of the Fair Credit Reporting Act. 

If they do not have any documentation in their les to verify the accuracy of these disputed accounts, they are required to delete them immediately. Failing to do so is damaging my creditworthiness and reputation. 

I demand the bankruptcy be properly verified with physical documentation and in Metro 2 Format reporting ( and not just verified through a XXXX party ) or it MUST be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to come to an agreement with the bank XXXX XXXX. I wrote, emailed called and sent letters they just charged off my account and submitted it to collections. I submitted disputed with XXXX  to no avail. This my last hope to be able to get this resolved and try to fix my credit. I never not wanted to pay on the contrary I had always paid on time and fell on hard times but I still wanted to come to an agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

3 credit unions were given information supplied from me. This complaint is regarding a trade line on my crit report from XXXX XXXX XXXX. Please the attached letter from the credit union to delete the file. I am also attaching the envelope with post mark on XXXX XXXX, XXXX.
Product: Money transfer, virtual currency, or money service

I Had my work checked set up to be deposited into my cash app and its say it has been deposited but its not becoming available when I tried to contract through XXXX they blocked all comments from being posted and when I called the customer service they said they have no representatives and I would just have to wait for an email I never received my check was {$860.00} from XXXX and its has just been taken away from me by Cash app this happened on Wednesday, XXXX, XXXX, 2020 and I still havent even been reached out too
Product: Vehicle loan or lease

Tried refinance and was denied and also tried to do a trade in and was denied
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is in direct violation of my Consumer Rights. 

They are reporting inaccurate information to my consumer report. 

See attached.