23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We are part of the devastation that hit Louisiana in the flood of XX/XX/2016. Our house received 56 inches of water. We have requested a second draw from Gateway Mortgage Group and they had and inspector come out and saiy that we are at 1 % repair. Gateway says they can not release anymore money until we are at 50 % complete. The money they sent us, {$25000.00}, was used to buy materials : demo supplies and tools, windows, insulation, electrical materials, sheet rock and finishing supplies, primer and paint, flooring, and hire contractors to complete repairs on plumbing, electrical, insulation, sheetrock, painters, window hangers. Luckily I am able to do flooring and a few other repairs to save money. I have exhausted all of my financial resources trying to recover the loss of 5 vehicles, and over 50,000 dollars of household contents where we only received XXXX for that. My wife and XXXX teenage children have lived in one room and a shell of a house for 4 months. We are now fighting to repair our home with 30 % of the repair money and not able to get the anymore until we are at 50 % complete. Do the math : We are in financial ruin. I can not even go and buy groceries this week. Help us please.The phone number I have for Gateway Mortgage Group is XXXX. Thank you.
Product: Credit card

I attempted to close my account with First Progress and get my deposit refunded since I never received the card and had already been charged a monthly fee. This was in XXXX XXXX. I have called consistently since then and I have been told to call back in XXXX to XXXX business days countless times. I was told that the internal investigation was underway in XXXX of this year but when I called for the results they keep telling me that their are no results yet from the investigation and that I should call back in XXXX to XXXX business days.
Product: Credit card

someone applied for credit in my name, they misspelled my name as well. XXXX XXXX address listed wrong XXXX XXXX XXXX XXXX XXXX ga XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ga XXXX XXXX XXXX XXXX XXXX XXXX Tx 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
Product: Money transfer, virtual currency, or money service

I recently received an email from Venmo explaining that my account has been suspended. This suspension was done erroneously. 

I live in the United States and was recently traveling on vacation on a cruise ship. When I went to access my account while I was traveling internationally, I received a message from Venmo saying my account was suspended due to suspicious activity. However, there was no suspicious activity on my account ; I was the person accessing my own account ; and, I was doing so internationally only because I was temporarily traveling on vacation. That was me. 

I already replied to Venmo 's account suspension email and uploaded my XXXX issued driver 's license, which is the additional information that their company requested. Despite this, the company still has not reinstated my account.
Product: Student loan

I have had several issues with Edfinancial this past week. I will break down the issues below as they occurred : First Issue : I made a full payment on one of my loans ( Loan ID XXXX ) on XXXX of {$380.00}. This was the amount shown on Edfinancial 's online portal and the amount that correlates with all statements prior to XX/XX/XXXX. On XXXX my autopay processed for {$30.00} additional to my monthly payment of {$310.00} ( {$340.00} total ). The {$30.00} was added to my autopay automatically without my knowledge to apply to this loan XXXX which was showing it had not been paid in full at the time. My loan was then negative the amount {$30.00} for which I asked the negative balance to be reallocated to other loans. Next, my XXXX statement generated on XX/XX/XXXX and is now showing that on top of the full payment as well as the {$30.00}, I now owe {$30.00} on that loan. I called about this and finally got in touch with someone on Friday XX/XX/XXXX who told me that they would be submitting a research request. I called again yesterday to check on this and the representative told me that I owe that amount and what I was shown on the portal AND my statements was not the correct balance on my loan. I am at a loss because I can not understand how the balance that they showed me on my portal and on my statements is now magically more once I made a full payment to them for the loan. 

Second Issue : When I went to check on this issue in my online account yesterday XX/XX/XXXX, they are now showing that I have a past due amount on one of my other loans ( Loan ID XXXX ) of {$12.00}. This is absolutely incorrect because of two reasons : 1. I make more than the minimum payment each month on all of my loans to pay them off quicker. 2. As I mentioned above, my autopay processed for more than my allocated payment amount. After the statement was generated, it seems that they reapplied {$20.00} of the payment on this loan to another loan ( Loan ID XXXX ). I do not want this to affect my credit score but I also do not want to overpay them and not have this issue corrected. 

Overall, I have paid Edfinancial {$720.00} for the month of XXXX and they have not been able to apply payments correctly and are now saying I owe more on loans that I have made payments for. I am very concerned about them being my loan servicer moving forward as I have seen that many other loan payers have had this or a similar issue with them when trying to pay off their loans. Any and all assistance with these issues would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

I wrote to LCI in XXXX and requested that my inaccurate information on my consumer report be removed and I have been met with nothing but opposition. I am only asking that the information in my consumer report be accurate and complete. Please remove all other names and addresses that are outdated or inaccurate except for my current information. Please see attachments.
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 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXXXXXX XXXX Balance : {$0.00}.
Product: Mortgage

My mortgage company, XXXX XXXX, sold my mortgage to Freedom Morgage. I was set to auto pay XXXX so every month they sent me a mortgage statement and I filed it away. When they sold the loan, I didn't have any knowledge that it had happened. The first I knew about it was when Freedom Morgage sent me a foreclosure notice ( which I assumed was also junk mail, but I looked at it anyway ). 

It turned out I was a few weeks behind on the payment and this was their way of letting me know ... " welcome, you are being foreclosed on '' ... even though it was literally just a few weeks late. I started scrambling around trying to find info on this new lender and realized that they didn't transfer my auto payment so I needed to setup a new account with them to pay it. I did that and then tried to setup an auto payment plan but they wouldn't let me do THAT because they needed my first payment to clear (?? ). So a week later I went in and setup the autopay. Selected the full amount payment on the due date and considered it taken care of. 

About 2 months later they sent me another threatening letter saying my escrow payments were going to be short. It turns out they had created an auto payment amount that wasn't for the correct amount. I am going to assume this is because it makes me think they are charging me less ... but of course it was just wrong. The letter said if I did nothing they would adjust my amount. So I left it alone and am chalking that one up to standard deceptive marketing practices at worse and incompetence at best. 

However, they ALSO charged me a {$15.00} `` drive by fee ''. Apparently this is because my payment was late in XXXX so they say they charge this fee to make sure the house is ok? I would bet the value of the house that no one drives by and this is just a random fee to get around the fact that they are not legally allowed to charge fees within a 60 day grace period during mortgage service purchase transfers. 

This company is a general disgrace and this fee is wholly fraudulent.
Product: Checking or savings account

On XX/XX/2022 a scammer went into my bank account posing as chime rep and took all the money out of the account. Chime knows this and saw the fraud happening while on the phone with me. Saw my contact information changed and everything. I have sent a rebuttal which was Monday and yesterday but they still denied my credit back to my account.
Product: Student loan

Since 1996 I've been having to place the Loan in forbearance because at the time it was a single income family. We have just know been offered the income-driven option, this is the first time anyone from Navient has told us about the program. It's been well over 20 years and to just now tell a client about this repayment option is unthinkable.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX CAPITAL ONE Attn : Credit Department XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, I hope this letter finds you well. I am writing to formally request the removal of a hard inquiry that was placed on my credit report by your company. I recently reviewed my credit report and noticed the inquiry made on XX/XX/XXXX. After further consideration, I believe that this inquiry was either made in error or without my authorization. 
According to my understanding, hard inquiries should only be made with the consent of the individual or under specific circumstances, and I do not recall providing such authorization for this inquiry. Therefore, I respectfully ask that you review this matter and remove the inquiry from my credit report. 
I understand that credit reporting agencies have protocols in place for handling such disputes, and I am happy to provide any further information or documentation that may be necessary to facilitate the resolution of this issue. 
I would appreciate your prompt attention to this matter. Please confirm in writing once the inquiry has been removed or if any additional steps are required from my side. 
Thank you for your time and understanding. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Violations of : Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681b ; Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ) ALDOUS AND ASSOCIATES ( {$270.00} Collections ) has unlawfully and illegally reporting derogatory information on my credit report without proper authorization. I have repeatedly informed this company that information was compromised due to XXXX Data Breach, which I was impacted. This is not a credit transaction initiated by me. Additionally, I will be filing Federal complaints against ALDOUS AND ASSOCIATES for these unlawful practices because my consumer rights have been violated. I have not authorized them to report any information about me, and their actions violate the Fair Credit Reporting Act ( FCRA ), which requires a permissible purpose for reporting such information. 
Their failure to comply with these legal requirements has caused harm to my credit standing. I request that the XXXX  investigate this matter thoroughly and ensure that this derogatory information is removed from my credit report immediately. ALDOUS AND ASSOCIATES failure to adhere to these legal standards has significantly damaged my credit standing, and I expect immediate corrective action. This failure to provide adequate proof of the alleged debt is a violation of my rights under federal law. I was never provided verifiable proof of this debt or Proof of Verification ; Wet Signature Application; Proof of Permissible Purpose. This raise concerns about their compliance with legal requirements. In accordance with the Fair Credit Reporting Act ( FCRA ), I have not given them the authority to access or report any information related to me. Their actions are in violation of the FCRAs requirement for a permissible purpose in reporting credit information. Again, I will be filing complaints at federal levels to address these violations and then seeking a lawyer. I have given ALDOUS AND ASSOCIATES a fair opportunity to clear this up, however I am still being HARASSED!
Product: Credit card or prepaid card

In XX/XX/2017 my credit card company detected suspicious activity and alerted me to a series of casino and cash transactions in rapid succession. They discovered fraud and reversed those charges and issued a new card. HOWEVER since that time they have charged me interest on those fraudulent cash advances every month. I have called to try and resolve it but every time I am transferred to four or five different representatives and have to leave a voicemail and NEVER receive a call back. No rep can explain why I continue to be charged for cash advances that I never made and were reversed.
Product: Credit card or prepaid card

I was astonished after I viewed my XXXX, XXXX and XXXX credit reports and realized that I was reported as having a late payment on the date below : 30 days past due as of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 60 days past due as of XX/XX/XXXX.
I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this transpired, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Debt collection

My original loan from Balance Credit was quickly sold to a company XXXX XXXX who I never heard from. They told me my debt was sold to XXXX XXXX. These people referred me to XXXX XXXX who its my understanding is a payment processing center. They told me I have to speak with XXXX XXXX at XXXX. This man XXXX (? ) threatened Court actions. I have never received any paperwork from anyone other than Balance Credit. When I asked this XXXX guy for copies of the three mailings they gave me I was emailed one ( what seemed like a generic letter ) with the current date from a XXXX XXXX XXXX. And it didnt even have my apartment number on it. 
I want to pay my bill but not to a scammer. How can I be sure Im not being scammed?
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX/DEPT OF ED , has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX - XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, DEPT OF EDXXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. STATES I have a right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I signed up with XXXX XXXX XXXX to handle my electric bill. They Canceled my service I do not know why?. I did not cancel it. Now they have XXXX collection agency after me. The first XXXX is XXXX XXXX XXXX XXXX XXXX XXXX. Account # XXXX XXXX # XXXX and the other company is CBCS ( XXXX XXXX XXXX. Account # XXXX And The CBCS account # XXXX. I paid all my bills and I do not know Why they canceled me. I will not pay for something this.
Product: Debt collection

Every bill I have received from XXXX was paid. No bill from XXXX for this amount was ever received nor should it exist.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, XXXX, I initiated a purchase of 10 Ethereum for {$1900.00} The website showed that the transaction has " COMPLETED '' and everything looks normal. The website still shows this transaction as " COMPLETED ''. 

On XXXX XXXX, XXXX, Coinbase deducted XXXX XXXX from my Coinbase account. 

I did not authorize this transfer. I authorized {$1900.00}, not XXXX BTC for the purchase of ETH. Please return my BTC and debit my bank account for this purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process.My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted 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 inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit card or prepaid card

XX/XX/20 I gave my credit card information over phone to a car salesman at XXXX XXXX as a {$200.00} hold for 24 hours to decide if I wanted to come look at a particular vehicle. 

XX/XX/20 In less than 24 hours I have decided that it was car I did not want to pursue looking at XXXX XXXX is over three hours from my home in which I deemed too far to travel I notified the salesman at the dealership of my intent in which he said my deposit/ hold would be put back to my account This entire transaction took place over the phone nothing was signed or received by me I have no contractual obligation XX/XX/20 I have attached the response from the Citi stating it was resolved XX/XX/20 The charge was back on my account The representative at Citi Credit Cards was not very helpful
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Treating these reporting items as unconfirmed information is unacceptable without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and make sure to correct or discard them from my file right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

Between XX/XX/2016 and XX/XX/2016 I was ammassed over XXXX dollars in overdraft fees. 
Because of the banks decision to sequence the transactions in such a fashion that instead of having a balance of just under XXXX dollars I was charged with XXXX overdraft charges even though deposits were made to cover and shortfall I have made frequent attempts to rectify this matter with chase bank with out a positive response
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX  Ive made all payments on time. There was a charge of an interest left that was in the amount of {$2.00} that was paid. I wasnt ever assessed a late fee. I ended up seeing a late payment on my credit report and contacted home depot several times, they told me they don't see any late payments. That the payment history is perfect and on time. Ive also tried to contact credit bureaus they wouldn't fix it neither. Ive explained to them many times. Home depot also sent a referral letter stating they'd have it removed and nothing has happened ever since. There is a human error for something thats paid on time without defaulting on any payments. PLEASE HELP!
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX and XX/XX/XXXX I sent {$1000.00} via XXXX to a XXXX XXXX for a XXXX, located in Missouri. On XX/XX/XXXX, it was determined that the XXXX  site is a scam and the kitten would not be shipped to me as promised via a sales agreement I received from the seller. I notified my local police department and filed a report with all the necessary information. I contacted my TD Bank customer service and was told they could not refund my money due to the fact it was sent via XXXX.