23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SINGLE FAMILY XXXX XXXX XXXX # XXXX XXXX XXXX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX SINGLE FAMILY XXXX FM XXXX XXXX, XXXX XXXXXXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX SINGLE FAMILY Year all not mine XXXX XXXX XXXX  XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$14000.00} written off. {$3000.00} past due as of XX/XX/XXXX. 
Account TypeSecured Loan Balance {$3000.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. 
Account TypeDebt Buyer Balance {$360.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXXXXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$36000.00} written off. {$40000.00} past due as of XX/XX/XXXX. 
Account TypeAuto Loan Balance {$40000.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$360.00} past due as of XX/XX/XXXX. 
Account TypeCell Phone Balance {$360.00} Date OpenedXX/XX/XXXX Dispute
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is showing account information that is not mine and not accurate. I have recently reviewed my credit report with XXXX and found multiple unauthorized inquiries which violate the Fair Credit Reporting Act as well as privacy violations. 

Unauthorized hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Lastly, my employment shows that I am employed by Union but also states retired on the XXXX report gathered. 

I am employed. Please correct. 

Thank you for your prompt review of the above.
Product: Mortgage

CFPB Complaint Submission UWM Mortgage Servicing Issue Summary of Issue : On XX/XX/year>, I requested a one-month deferment on my mortgage payment of {$2500.00} due to temporary financial hardship. UWM denied this request and provided no options for defermentonly a payment plan that would have increased my monthly payment to {$3000.00} for XXXX months, which was financially unfeasible. 

As a result of their lack of assistance, my financial situation deteriorated significantly over the past year. My credit score has dropped substantially, and all of my credit cards are now in charge-off status, leaving me with {$35000.00} in outstanding debt and an inability to qualify for any new credit, including a car loan. 

Key Actions Taken by Me & UWM : XX/XX/year> : Requested a one-month deferment of my {$2500.00} mortgage payment. 
UWMs Response : Denied deferment, offering only an unaffordable payment plan of $ XXXX for XXXX months. 
XX/XX/year> XXXX : Due to UWMs refusal to defer a single month, my financial hardship worsened. My credit cards went into charge-off status, totaling {$35000.00} in debt. 
Modification Offer ( XXXX XXXX  ) : UWM offered a loan modification, lowering my payment from {$2500.00} to $ XXXX reduction of just $ XXXX. 
Principal Impact : Out of the {$2300.00} monthly payment, only {$300.00} applies to principal, meaning most of my payment goes to interest, not towards reducing my loan balance. 
Complaint Summary : UWM failed to provide reasonable assistance when I requested a deferment. 
Their denial led to severe financial consequences, including damage to my credit, charge-offs, and an inability to qualify for new loans. 
The loan modification was not a meaningful solutionit only reduced my payment by $ XXXX while keeping me in a financially unstable position. 
I am seeking proper resolution, including a fair loan modification that reflects my financial hardship and assistance in resolving the severe credit damage caused by their lack of flexibility.
Product: Credit reporting or other personal consumer reports

RESIDENT VERIFY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

My wells  Fargo b ank account has been sabotaged constantly since  2007  by the  XXXX  organizations "   XXXX   XXXX   XXXX   '' I have been paying bills without my consent. the   XXXX   working in the bank are sabotaging my account. it is been reported to the Bank over and over again and the bank is been informed and the problem is being confirmed by the bank through statements and letters, but nothing has been done to prevent it. my debit card is been blocked only " which has nothing to do with the problem '' even my bill payments are being sabotaged by this people, the last  one  was payment directed to   XXXX   being sent to  XXXX  car insurance with which I have nothing to do anymore, just to tell me how helpless the system is in stopping the harassment of the organized religion.   please stop financial injuries that I have been going through since  2007 .
Product: Credit reporting or other personal consumer reports

They have asked me to provided documentation and when i asked what documentation they stated they could not tell me due to everyones account is different ave there reporting to my credit bureaus late payments when i have no knowledge of this account. Its fraudulent
Product: Payday loan, title loan, personal loan, or advance loan

The website is attached to other companies and credova advertise as interest-free when making a certain number of payments as well as XXXX month financing. And when signing up the contract that is drafted, The company tells you towards the end that you are leasing a product and is not financing. That will tell you how many months what's the minimum payment and how much it would be at the end of term. Which doubles or triples the price of the product. Making the bio option extremely short and hard to understand how the buyout option works. after talking with XXXX representatives trying to explain it to me. A {$400.00} purchase basically ends up being a {$900.00} purchase if paid to term And if you were to buy out early the bio option is of XXXX XXXX of the total {$900.00}. Which is very misleading leaving people no choice but to pay that XXXX XXXX of the total price. The representatives were no help to even though I was to pay the {$400.00} I will still owe an additional {$200.00}. The contract is difficult to understand and not easy to read which tricks people to sign up. XXXX of the issues I have is how they got the total number of how much you owe. Due to normally when you lease or find out something it's for the price of the product which in the contract after talking with both representatives they basically said the same thing that leasing is different from financing and that that XXXX something dollars. Is the price they came up with to determine how much they want to finance it to you which to me it seems like a random number that is triple the price of the item where the issue comes up is if the product you're buying is not something that's returnable because they said you're borrowing The issue is The representatives said you are borrowing this product and you can return it at any time. If you get anything that is consumable or XXXX time use or can not be returned you are forced to pay that total amount for example ammunition or certain XXXX parts that after used they can not be returned. Forcing people to pay triple the amount of what the product cost. As a XXXX time user of this company I am extremely unsatisfied being left feeling like I have been scammed due to the fact of the verbiage being used in the contract not being straightforward even after reading the contract multiple times afterwards it's still not clear. Feeling like the change the terms to leasing from financing what it stated before trying to get as much of money out of XXXX possible.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

This account had already been settled to XXXX balance and it is not reflecting on my credit report
Product: Credit reporting or other personal consumer reports

XXXX XXXX : I am writing to formally dispute inaccurate information reported on my credit report by XXXX XXXX. According to the Fair Credit Reporting Act ( FCRA ) Section XXXX, I am requesting an immediate investigation and correction of this collections account. If the information can not be verified, it must be deleted promptly I am disputing the validity of this debt in its entirety. The collections account in question is reported by XXXX XXXX and appears on my credit report with the following details : reported on XX/XX/XXXX, with a balance of {$1400.00}. The account is listed as " Closed '' with a status of " In Collections/Charge-off. '' The account was opened on XX/XX/XXXX, and closed on XX/XX/XXXX. The remarks include " Charged off as bad debt '' and " Canceled by credit grantor. '' I believe this information is inaccurate for several reasons. First, I have not received any documentation or validation of this debt from XXXX XXXX, as required by FCRA XXXX XXXX ( b ) ( Validation of Debts ). According to the FCRA, all items on my credit report must be accurate and verifiable. Second, there is no record of any outstanding balance of {$1400.00} from XXXX XXXX on my end. Additionally, the account shows a past-due amount of {$700.00}, which does not align with my records. The presence of this incorrect collections account and charge-off status is negatively impacting my creditworthiness. Under FCRA Section 623 ( a ) ( 1 ) ( A ), furnishers of information are required to report accurate information. Therefore, I am requesting that you review all recent statements and payment records associated with this collections account, including the most recent credit report. The balance, account status, and remarks appear to be incorrect. If the information can not be substantiated, it must be removed from my credit report immediately. Please send me the results of your investigation at your earliest convenience. Additionally, if the investigation shows that the account is incorrect, please provide me with a revised copy of my credit report reflecting the corrected information. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), I am entitled to an accurate credit report, and I request that you conduct a thorough review of this account.

This collection Informationon my XXXX /Equifax report is not refelecting the same infromation that was removed from XXXX XXXX 
Collections ( XXXX XXXX XXXX ) XXXX Account # XXXX Collections ( XXXX XXXX XXXX  ) Equifax Account # XXXX Delete ASAP.
Product: Mortgage

Victim of Predatory Mortgage Lending ( NOTE : Will submit evidence docs at later date of complain filing ) : 1 ) In XX/XX/XXXX, Original XXXX XXXX  XXXX , XXXX ( XXXX ) loan was processed without borrower 's consent. 
-- no borrower 's signature on loan application, on statement giving away POA, or on bank disclosure of interest rates, etc. 

2 ) Per unsigned XXXX docs given AFTER loan was processed, initial interest rate was 1.9 % for 5 years. Then, increased to 8.872 %. This would result in total payments of {$600000.00} (!! ) for a $ XXXX loan. This disclosure doc of XXXX also was NOT signed, so that borrower did NOT understand true cost of loan. 

3 ) XX/XX/XXXX-XX/XX/XXXX American Home Mortgage Service , Inc. ( AHMSI ) also withdrew payment via auto-debit AND XXXX XXXX, falsely claiming mispayment and default. The auto-debit and XXXX XXXX were unauthorized by borrower. See CFPB Complaint # XXXX. Please note : Borrower was diagnosed & being treated for XXXX XXXX the same year. 

4 ) XX/XX/XXXX, AHMSI and XXXX XXXX  attempted foreclosure on property. 

5 ) multiple other problems with mortgage companies/collection agencies -- will follow-up with more supportive evidence 6 ) Current status : XXXX & XXXX XXXX survivor, borrower became recently ill. Loan has been transferred to collection agency XXXX XXXX c/o PHH Mortgage Services. When online account was activated XX/XX/XXXX, borrower could not find actual bill statements, or to know exact amount owed.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed that a collection account from XXXX XXXX ( Account XXXX XXXXXXXX ) is being reported inaccurately. The reported amount was {$160.00}, and the account status is marked as Collection/Charge-Off, despite showing a {$0.00} balance and being closed. 

I do not recognize this account as valid, and I am exercising my right under the Fair Credit Reporting Act ( FCRA ) to request a reasonable investigation into the accuracy and legitimacy of this entry on my credit report. I have disputed this information with the credit bureaus, but the account remains without proper verification. 

I am requesting that the furnisher provide documented proof supporting the accuracy of this account, including original agreements, payment history, and proof that they have the legal right to report it.
Product: Checking or savings account

Had to pay late fees because bank allowed vendors to take money multiple times even though I had no money in my account resulting in over draft fees
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been a new company called XXXX XXXX that has been posted on my credit with falsified information. My identity was stolen and I have Been battling identity theft for years. XXXX XXXX Is a false collection with false information that is NOT mine and needs to be removed from my credit. XXXX XXXX Information balance is  {$140.00} and was posted XX/XX/XXXX 16
Product: Checking or savings account

On XX/XX/2024 I made 4 withdraws from XXXX  XXXX  in the amounts of {$10000.00} {$5000.00} {$6000.00} and {$1000.00} after the withdraws were credited to my Venmo account I made 3 deposits back into my XXXX  account in the amounts of {$100.00} {$25.00} and {$200.00} and submitted a bank transfer to my XXXX checking account in the amount of {$2100.00} leaving a balance of {$19000.00} in my Venmo account. As soon as I initiated the bank transfer before I could even do anything else it came o up in my Venmo account that my account was suspended. I received no email or reason for the suspension other than I violated policies Im still uninformed as to what policies I violated. My Venmo is linked to my XXXX  account as a deposit method as they allow withdraws and deposits for XXXX which I have done previously and they allow transfers to and from a bank account I made no other transactions and attempted no other transactions they first told me that I needed to submit my id and an XXXX  for release of my funds so I submitted them, then I get an email stating that they were permanently closing my Venmo account and keeping my {$19000.00} and may release it to me in 180 days for loss protection. Ive never heard of such a thing and I want my money my Venmo account was closed by them. The emails they sent me are not signed by anyone with a name its signed simply account team and they have yet provided an explanation or what violation I committed to cause account closure. Please help me get my money from Venmo.
Product: Credit reporting or other personal consumer reports

My SSN was part of the recent XXXX XXXX XXXX breach and I found out today, Saturday XX/XX/year> at around XXXX PST. I immediately called all 3 credit bureaus to place a credit freeze. I was able to talk to a live person at XXXX and XXXX after a short wait. 

However, Experian has absolutely no option to talk to a real person without using loopholes. I tried to login online using my SSN, phone number, and other identifying information, but they could not verify my phone number for some reason. 

I XXXX  " how to talk to a live person at Experian reddit '' and of course the reddit users came through. I tried one number someone recommended and got in the queue, but then I got the dreaded " Please call back during our normal business hours on Monday '' voice message. I tried an alternative number some other reddit user provided and then used the verbal prompt " dispute '' because they said that is what got them routed to a real person. I did this, and was immediately routed into the queue! However, I got the " Please call back during our normal business hours on Monday '' voicemail again. 

Basically, my complaint with Experian specifically is two-fold : 1. Make it easier for inbound callers to talk to a real person- we aren't calling the credit bureaus because of something that isn't critically important. If we are calling, we want to talk to a human being about our sensitive information 2. Have daytime weekend hours, particularly on Saturdays. Again, if I'm calling you on a Saturday, it must be pretty important- I don't want to wait until Monday to address something like my SSN floating around on the dark web
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote and had notarized a signed letter and sent it via certified mail through the USPS to Experian. The letter was received by Experian on XX/XX/2019. 
The letter requested the physical verification of creditors and the information be sent to me of their legal ability to collect a debt and/or physical proof verifying of these debts so that they may be removed from my credit report or remain listed. Some of these unverifiable accounts were deleted while some of these unverifiable accounts remain. After further review, there are a total of 8 accounts now listed on my credit report where physical verification needs to be sent to me.

The letter also requested my legal name be corrected and any/all not-correct names be deleted. Correcting my name was not performed.

The letter also requested incorrect addresses be deleted, the requested revisions were performed but on further review I have now found two more incorrect addresses that need to be deleted. 
The letter also requested verification of several hard inquiries and the physical proof of applying for credit be sent to me. I have not received verification of application for credit nor have I received information that they were removed from my report. 
The letter also requested my personal information cease being sold to marketers by placing a Promotional Suppression on my personal information. I have not received written notice that they are in compliance with my request. 
The letter requested my telephone # be added to my credit file, it has not been added as of today. To date I have not received physical proof validating for the requests made. Experian, did however mail me a copy of my credit report dated XX/XX/XXXX-19 showing some incorrect addresses were deleted.
Product: Credit card

A fraudulent charge of {$500.00} was placed using my Capital One credit card information on XX/XX/year> at an XXXX in Delaware, a state other than my residence state. 

When alerted of this charge by Capital One, I immediately reported that I did not recognize this transaction and reported it as fraud. 

However, Capital One allowed this charge to go through and is now holding me liable. 

XXXX was contacted, whom advised prior to my card being utilized, the fraudulent individual attempted to utilize two other credit cards not belonging to myself that were declined. XXXX advised that they could obtain video footage from that day, however the individual needed to do so was currently out of the office. Capital One was not interested in this information and has it failed to do their due diligence to investigate this fraud and resolve this matter. 

To be clear the complaint at this time is with Capital One, not XXXX.
Product: Mortgage

In XX/XX/XXXX, our mortgage payment due XX/XX/XXXX, was canceled. We were made aware of the situation in XX/XX/XXXX. We quickly responded and were reassured by Fifth Third bank customer service over the phone multiple times that we were within our 30 days, that we would have no adverse outcome from this incident. We promptly made the mortgage payment within 30 days of the due XXXX supporting document from our XXXX Checking account ending XXXX, shows the amount processed on XX/XX/XXXX notated in yellow ). We received documents from Fifth Third Bank the late payment had been removed, and the mortgage payment was processed before the 30-day mark. 

We had been searching for a new home to purchase. On XX/XX/XXXX, while attempting to obtain a preapproval letter from a financial lender, we were aware that a 30 day late on our mortgage had been reported to the credit bureaus by Fifth Third Bank. This has essentially devastated our credit score and halting our entire financial future. Upon contacting Fifth Third Bank customer service, they informed us that there was nothing they could do to resolve the oversight. We escalated the call to a supervisor while reviewing the situation with the supervisor and noting that the payment was canceled in error and reconciled within 30 days. He stated : " that's just something we tell people. ''
Product: Debt collection

This was not sent in error, I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized used of my credit report. 

Account Name : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX
Product: Credit card

Over the past year, {$8500.00} of my Bank of America payments were mistakenly applied to a closed account ( ending in XXXX ). Despite this, the error went unnoticed, and no refund was issued. I only discovered the issue when my payments werent credited to my active account ( ending in XXXX ), prompting me to contact Bank of America on XX/XX/XXXX. 

I was assured the funds would be refunded within 10 business days. That time has past and I still havent received the refund. Additionally, Ive received no communication or updates. 

The error seems to be caused by the way your payment portal is set up. After logging in and selecting my active account ( XXXX ) for payment, I was presented with multiple options, including the closed account ( XXXX ). Since I only have one account with Bank of America, I assumed XXXX was an authorized user account connected to XXXX. As a result, payments intended for XXXX were sent to the closed account. 

I request Bank of America to audit my accounts to ensure no additional payments were misapplied to account XXXX before XX/XX/XXXX. If any interest was charged to my XXXX account as a result of this misapplication, it should also be refunded. 

This situation has caused financial and mental stress. I now owe nearly {$5000.00} on my XXXX account, and the funds sent to Bank of America were misapplied. As a result, I request : 1. A refund of the {$8500.00} misapplied to the closed account.

2. {$1000.00} in compensation for interest, my time, and financial stress.

3. A refund for any interest charged on my XXXX account due to this error, pending an audit to confirm no further payments were misapplied. 

Please see the attached documentation for more details. What happened to account XXXX ( was it just an authorized user of XXXX )? 

I expect a prompt resolution, including the refund and compensation. Thank you for your attention, and I look forward to your timely response. 

Sincerely, XXXX XXXX XXXX XXXX