23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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: Student loan

I finally learned through the media I could apply  for IBR  when for 8 years I was put into forbearance when my payments were too much with  XXXX   XXXX  /Navien  t.  Per Navient site, my payments will go up to {$350.00} per month ( also had a federal loan previously serviced through them that I transferred back to federal so I can be PSLF eligible. ) They never can tell me, nor can I locate on site, exactly how much I 've paid into my loan since I started repayment in early   XX/XX/XXXX . I am  supposed to be enrolled i n IBR n ow with automatic payments from my bank account. For a year the site has said  one  thing while a different amount is extracted but there is no record of it that I can find on the site. I am so confused. When I graduated in  XX/XX/XXXX  with a  XXXX   XXXX  degree in   XXXX   XXXX   , I h ad under   XXXX   XXXX   in student loans. Now, 10 years later, if I were to pay off all of my loans today I 'd have to write a check for about   XXXX   XXXX   even though for several years I was paying way more than I could afford ( {$800.00} per month ) which drove me into credit card debt. At no point until last year did anyone refer me to  IBR o ptions. By my rough calculations, I 've paid around {$75000.00} towards my loans in the last 9 years. How do I still owe more than what I started with?! Please help! I am almost  XXXX   years old, single, no close relatives, and I live paycheck to paycheck b/c   of student loans. I will never be able to buy a house. The earliest pay off estimate for me is age  XXXX  in  XX/XX/XXXX . I ca n't even save for    retirement r ight now. These loans have ruined my life. I 've essentially paid of more than my original balance so how do I still owe over $ 10 0k.  The repayment calculators ive used say I will have paid around   XXXX   XXXX   for my student loans -- over 5x what the original amount was. How is that possible? This is so morally wrong! Please help me. I do n't know who to go to in order to have them review my loans and what illegal practices have been committed. I really think I have been a victim of the allegations against navient /   XXXX   XXXX  . Thank you!
Product: Mortgage

I was denied a loan by Third Federal stating " income insufficient for amount of credit requested ''. I've consistently been working since 2012 as a doctor and have several homes paid off. The XXXX loan I requested was on a home that is also 100 % paid off, and my average annual salary is likely right around XXXX or more. There is no reason why I should not qualify for the loan. Cash on hand is XXXX bank account, XXXX in stocks. I only have 1 mortgage of XXXX on a home rented for XXXX monthly. I believe there is likely some discrimination going on, just follow the money and you will clearly see this makes absolutely no sense.
Product: Checking or savings account

On XX/XX/2021 we made a withdraw of XXXX in the form of a cashiers check from Bank of America. On XX/XX/XXXX we deposited the check back into our account after discussing the quickest way for funds to be available to the payee. Bank of America has put a global hold on our account and will not release any funds at all and will not give us any reason why.
Product: Credit reporting or other personal consumer reports

Debt Collection validation removal off credit from all credit agencies misuse permission
Product: Money transfer, virtual currency, or money service

I made an offer on XXXX in the groups, that I would help buy a business for someone, as it's a networking business. I got one who said they'd love to do it they were just out of money from XXXX. messaged me her number. 

Me it was a permotion happening in the company network that people could be a founder. I was kinda in a hurry to sign people up because I thought it would be the best way to help them and their business. 

Anyway So she messaged me on and off, asked if I'd send the money so she could sign up. I've delt with scammers outside the united states do I ushally know when it's a scam. She is a united states citizen. 

Anyway I said I'll send it, I thought she was someone who did drugs in the past, but perhaps I'm wrong and I'm misjudging and I should give people a chance, as I said I'd help her. So I did I sent it, she said thank you gave a story about bottle feeding her little one, and said it's hard to text, so she'll message me when she's trying to do it. 


After that I patiently waited and messaged her about 4 times with no response, so I know she did in fact steal it. She has a XXXX page that has XXXX followers, and she posts pictures and other things each day, and interacts with people she knows. So I know she's a real account and real person. I just thought it'd be foolish to scam people if you do it through a real XXXX account. So she took it through cash app. If it goes to cash app they aren't going to do anything, even though they have her bank card and ssn, so it's ridiculous because I'm on XXXX and these people are going to steal from others knowing they can just get away with it. Now being at least carful, I did use an internet number to engage but if she got the business she'd find my real number there, as I'd be her branch manager. 

Her XXXX profile https : XXXX? XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my Equifax credit report. They are showing an incorrect listing on my credit file. It may belong to someone with a similar name but it does not belong to me. I have had a problem with identity theft before. That is the reason that I placed a freeze on any and all of my personal information from any outlet that I could. I disputed this listing and Equifax did not follow the law. 
1. They did not complete their investigation within the 30 day period allowed by law. You will see this proof with copies of the dated letter I mailed them and the dated response from them. 
2. Equifax blatantly lied about their investigation process and findings when they claimed they verified this listing with the XXXX County Register of Deeds, XXXX County Bankruptcy Court, and with XXXX XXXX. 
XXXX. I have a letter from the XXXX County Bankruptcy XXXX and XXXX of Deeds stating that they in fact have not and do not ever verify public records information with anyone. 
XXXX. I have a copy of a letter from XXXX XXXX showing where my security freeze has been in place well before Equifax claimed to investigate the listing. Therefore, they lied about receiving any information from XXXX XXXX.
Product: Bank account or service

I was owed a refund from XXXX after I cancelled their service. Instead of refunding the payment mechanism used to pay them, or by check, they arbitrarily decided to refund me via a Prepaid Debit Visa issued by Citibank. XXXX signed me up for a financial product, and entered me into a cardholder agreement with Citibank ( while sharing my PII with them in the process ) without my explicit permission. From the cardholder agreement : " To help the government fight the funding of terrorism and money laundering activities, Federal Law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account ''. I did not give XXXX permission to " open an account '', on my behalf with Citibank nor am I ok Citibank holding my personally identifiable information. Additionally, there is no option to receive cash out from the Debit Card. So, I am now forced to purchase something in order to receive back money XXXX owes me. This was not a promotional refund. This was a pro-rata refund of monies I paid to XXXX for unused services. Additionally, there are fees attached to this card ( see attached schedule from the cardholder agreement ) which I find objectionable. Even if all of this is disclosed somewhere in the fine print of XXXX 's customer agreement, I do n't see how negative enrollment into a financial product, without a limited power of attorney, which would absolutely be necessary to enroll me in a financial product, could be legal.
Product: Debt collection

I received an alert from a credit report monitoring tool in XX/XX/2023, that a new loan with a balance of {$16000.00} was taken out in my name with American Express. 

When I received the alert, I contacted American Express to freeze all my accounts and let them know of this fraudulent loan. Subsequently, I checked other credit reports and they show the same outstanding loan that I did not authorize. I then froze my credit reports with the agencies and had American Express initiate an investigation in XX/XX/2023. 

After about 6 months of no information, American Express notified me that they completed the investigation and found that I am liable for the loan. I asked them to provide the details of the investigation and never received anything from them. 

I subsequently called American Express numerous times to see if I can provide additional information to support my case. I was repeatedly placed on hold and transferred and nobody was able to help address my issue. I told American Express that it is easily verifiable if they checked the bank account that the loan funds were dispersed to. We can then call the bank together to verify if that account was associated with my social security. They were unwilling to do that and after some time sent my loan to a collections agency. 

I have now repeatedly received calls from a collections agency for a loan that I did not authorize and can not make any progress with American Express to investigate further. I do not have any details of how they even came to the final decision of the initial investigation. 

Furthermore, American Express canceled a valid credit card account that I had with them because of the outstanding loan, right after charging me for a {$650.00} annual fee. The annual fee was not refunded at all and so I paid them an annual fee just to have my credit card canceled.
Product: Credit reporting or other personal consumer reports

I sent a letter Exeter Finance requesting 1099C Letter which they issued to me. Account is currently written off and they sold the account to another company called XXXX XXXX. 
I have attached the letter I sent to Exeter Finance and the return documents that proves it get to them.
Product: Mortgage

Select Portfolio Servicing Inc is the mortgage company and have increased the escrow amount claiming it was to cover XXXX shortage. The amount being assessed will result in an excess of {$3000.00} beyond the actual projected escrow amount necessary. Mortgage companies are required to notify the owner of any projected shortfall and allow owner to pay the difference to avoid an increase on mortgage payment. I was not notified of the shortage until XX/XX/XXXX and the increased payment takes effect XX/XX/XXXX. There was no opportunity to pay the difference or to dispute it and now the payment is expected by XX/XX/XXXX. I learned from my homeowners insurance company that SPS paid the insurance twice for XXXX and refunded that amount to me in the amount of $ XXXX. I sent sps the actual shortage of {$200.00} for the difference in XXXX and XXXX and the check was cashed by SPS with no acknowledgement nor reciept. The projected escrow necessary for XXXX is {$4400.00} according to the escrow analysis and they intend to collect {$7400.00} by increasing the mortgage payment. SPS has continually attempted to threaten forclosure claiming that the payment was late when in fact payments have all been made so it is forseeable they will continue to attempt to take my home in light of this threat to collect a excess mortgage escrow balance and the hardship the additional {$250.00} will pose on top of the existing {$360.00} escrow payment already being collected. I wrote them and sent the actual shortage and offered to pay the insurance refund sent to me due to their error and yet they expect the XXXX payment to be elevated to an amount that will result in an excess of {$3000.00}. I have already requested a reevaluation of the escrow analysis due to their erronous overpayment of mortgage insurance.
Product: Debt collection

XX/XX/2010 Dr XXXX provided services for my daughter, after insurance paid we owed {$300.00}. Do to financial hard ship we were in able to pay. Now we are being harassed by Collection Services of Nevada for {$450.00} plus {$250.00} plus legal fees for a court order I have never been served with. In the process of trying to buy a home I have been getting all issues taken care of, they refuse to set up a payment arrangement for just the principal amount stating that it is in a judgment, even though I have not been served.
Product: Debt collection

In response to a denial of an extension of credit this consumer checked with the consumer reporting agencies and found the following : 1. Your company has furnished negative information about this consumer to one or more consumer reporting agencies as shown by the accompanying exhibits. 
2. This consumer is unsure of whether or not your company can show that it has complied with the notice requirements found within the consumer protection laws.
Product: Credit card or prepaid card

The statements don't make any sense. It gives balance subject to interest rate and then promotional balance and those and nothing else equal the total balance. Also, I thought it was a federal law that payments had to be applied to the highest interest rate first. They are applying my payments to the promotional balance 0 % first. Also, if you look at my statements from one month to the next, the balances don't make any sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disturbed that you continue to list the dismissed bankruptcy as confirmed. 

Although it is your policy to keep reporting bankruptcies which are filed or adjusted for XXXX XXXXs, the Fair Credit Reporting Act mentions nothing in XXXX XXXX relating to Bankruptcy about dismissals or filings. 

The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of negative inquiries. I have XXXX negative inquiries on my credit. I talked and wrote letters to each of the companies and no action was done. And customer service would not help me. I would like for the following XXXX to be removed from my credit report please : XXXX XXXX, XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX FIFTH THIRD BANK XXXX XXXX BANK XXXX XXXX XXXX XXXX AUTO FINANCE
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan with XXXX XXXX shows as a right off, bad debt, when the loan was paid by the GAP insurance on the vehicle after an accident that resulted in a total loss of the vehicle. It shows as a charge off, bad debt.
Product: Vehicle loan or lease

Kia Motor Finance Company is not allocating the correct interest to the principal. There has been numerous contacts made to Kia to fix this and they have yet to fix the error. Each rep that has been spoken to has acknowledged the error, to include supervisors and stated to wait '3-5 days for corrections ' and each time nothing has been corrected. Spoke with XXXX on XXXX XXXX to ask why the fees hadn't ever been calculated correctly and she stated because 'you will have to pay {$2500.00} a month for any of the payment to go towards the interest. ' Of course we knew this was wrong but for her to say it more than once, we decided to check our contract -which we can not locate on the web nor received-and call back. At this time, we had begun to make payments ( over-payments ) weekly at the time but the interest rates were not correct nor was the principal going down. Spoke with XXXX on XXXX XXXX who also saw the discrepancy ( to include giving us the interest rate XXXX and stated she was escalating the case and it would take XXXX days. No changes were made. On XXXX XXXX, spoke with XXXX who also stated she saw the discrepancy and stated she would escalate it and to give them 3-5 days. No changes were made. XXXX XXXX called back spoke with XXXX who claimed that he was looking into it, hung up but never called back although he asked at the beginning of the call for the call back number in the event we were disconnected. Called right back and spoke to XXXX who also saw the discrepancy. She escalated it to supervisor XXXX who also saw the discrepancy and he stated the same as the others, he would escalate it but only he said to the supervisor of the department and allow the 3-5 days. The supervisor was informed that a change needed to be made or we were going to take further action to include possible class action. No changes have been made as of yet. This is absurd! If they are doing this to us I'm sure they are doing this to millions of their 'consumers ' This is not only robbing us blind, it is effecting our credit scores by showing higher balance due which is not the case. Also, with this being said, the current interest is not only not calculated correct, it should be lower by now. This has to be stopped! They need to be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that on my XXXX  credit report I only have XXXX open account, however my credit score doesn't reflect what is accurate, also I have hard inquiries on my XXXX and XXXX  credit reports that I do not recognize. I would appreciate if this service correct their inaccurate  information, also I do not understand why Midland Funding states I owe them a debt that they can't validate under oath, the original creditor closed the account ad it's paid off. Midland Funding never loaned me any money and I do not have a contract with them. Per HJR 192 and the corona virus pandemic I ask that this incorrect information is cleared up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. And as a result, false and inaccurate information were posted on my credit report. The Federal Law requires you to delete ALL accounts and inquiries which resulted from Identity Theft within a maximum of 4 Business Days from the receipt of a Identity Theft Report in accordance to the Fair Credit Reporting Act Section 605 ( b ).
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and i have found the following items listed below to be in error. These accounts are listed with late or missed payment and that is incorrect. the following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 

I was Never XXXX on ( XX/XX/2024 -Feb 2024 ) on this Account Please Update the account as PAID/CURRENT. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any XXXX that the creditor can not verify. I understand that under XXXX U.S.C XXXX ( a ), you must complete this reinvestigation with 30 days of receipt of this letter. 

Please send an updated copy of my credit report reflecting the requested changes. 

Thank you for your help in this matter,
Product: Credit reporting or other personal consumer reports

Subject : Demand for Compensation of {$7000.00} for Noncompliance with 15 U.S. Code 1681n Dear Credit Reporting Agencys, I am writing to demand compensation of {$7000.00} for the erroneous reporting of the following fraudulent accounts, which have since been removed from my credit file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Account : XXXX, Balance : {$6800.00} ) XXXX. XXXX XXXXXXXX XXXX ( Account : XXXX, Balance : {$35000.00} ) XXXX. XXXX XXXX XXXX ( Account : XXXX ) XXXX. XXXX ( XXXX : {$7600.00} ) XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX The removal of these accounts confirms the validity of my claim that they were reported inaccurately, in violation of the Fair Credit Reporting Act ( FCRA ). Under 15 U.S. Code 1681n, I am entitled to : 1. Statutory damages of no less than {$1000.00} per violation. With seven accounts improperly reported, the total is {$7000.00}.

2. Punitive damages, as determined by the court, for willful noncompliance.

These accounts caused harm to my financial well-being, emotional health, and reputation, including the denial of financial opportunities and unnecessary effort in resolving these inaccuracies. 

To resolve this matter, I demand a check for {$7000.00} be sent to : XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. 

I expect your response and payment within 15 days of receipt of this letter. If you fail to comply, I will have no choice but to pursue legal action to enforce my rights under the FCRA, including seeking additional damages and attorneys fees. 

Thank you for your immediate attention to this matter.
Product: Checking or savings account

On XX/XX/XXXX a scammer group posing as XXXX XXXX employees took {$24000.00} from my Wells Fargo account via a wire transfer. I have loaded the letter I sent to the FBI. 

The transfer was from one Wells Fargo account to another Wells Fargo bank account in California. When I realized what had happened I contacted the bank immediately on the same day and froze all my accounts and asked the bank to cancel the wire transfer. 

I opened a case with Wells Fargo a few days later as the money had disappeared from my account the next morning even though I had asked for the transfer to be stopped. 

I was informed by the bank the wire transfer could not be cancelled in time and the account it was sent to had been closed but they had attempted to recover our funds. 

My understanding from a branch employee at Well Fargo was Wells Fargo has insurance that assists customers with reimbursement for their loss from a scam and customers have been reimbursed in the past. 

I am not sure if Wells Fargo does not want to reimburse me or rules have changed and I am not entitled to a reimbursement. 

I have filed complaints and reports about the scam to the FTC, FBI, Attorney Generals for TN, DE and CA as well as having spoken to the adult protective services for our county. The scammers were located in DE, XXXX is in California and I reside in TN so that is why I contacted all the different jurisdictions. 

I am hopeful someone can assist us with recovering our money as the money was part of our life savings. Wells Fargo does not seem to want to assist us any further.
Product: Debt collection

I called this company XXXX XXXX XXXX due to receiving a garnishment. Once I got nowhere with the agent I asked to speak with a manger and I was very upset, I agent laughed at me and never transferred me to a supervisor after I asked him repeatedly.