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

On XXXX, XXXX, 2021, I paid my monthly car payment to XXXX XXXX XXXX via their app as I have every month - using the same bank account - as I always have. On XXXX XXXX, 2021, my credit monitoring services started alerting me to delinquent account from XXXX XXXX XXXX. This one error plunged my credit score by in excess of XXXX points on all three credit bureaus. I checked my bank account and no payment had been presented- and even if it had, my bank would have paid the overdraft. In addition, in the 20 days, XXXX XXXX XXXX never alerted me - via phone call, text, email or even within the app - that the payment had failed due to the faulty app. This error caused my auto payment to be marked as delinquent when it was not. XXXX acknowledged that the error was theirs and that they had been having problems with the app. The customer service rep told me she sent a corrected credit market to the 3 credit bureaus to correct this problem. I explained that I needed this corrected immediately ( within 48 hours ) as I had applied for a mortgage, and had paid all my credit cards off to enhance my credit score, in preparation for my monthly update to my credit score on XX/XX/2021. I have checked incessantly and this error has not been corrected. In fact, a call to XXXX XXXX XXXX indicated that I would have to write a letter - and send via regular mail -explaining the error to get it corrected. This is unconscionable. Please get this derogatory credit mark off my credit report as soon as possible - my mortgage and earnest money deposit are in jeopardy.
Product: Credit card

I am an authorized user of my father 's Home Depot credit card. However, the card is used primarily by me to purchase building supplies for my business in XXXX Michigan. 
The card expired around the summer of XXXX  and new cards were requested. However, in late XXXX or early XXXX of XXXX, several of our mail was stolen/missing, which included the Home Depot replacement cards, a check for {$17000.00}, and other important pieces of mail. 
We immediately noticed the post office, Home Depot, and the bank that issued the check. 
In XX/XX/year> Home Depot sent out a monthly bill. I immediately noticed several charges that were unfamiliar to me and were done at the local XXXXXXXX XXXX XXXX Home Depot. These purchases were done on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>, totaling {$1400.00}, all on the cards that were stolen. 
I have tried on several occasions to clear these charges with Home Depot but to no avail. I also pointed out that I do not use this card for purchases in any other state but Michigan, yet several months later I am unable to resolve this issue.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain entries on my credit report. I do not recognize the listed accounts or their current status as reported. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I am entitled to dispute inaccurate or incomplete information on my credit report. Additionally, under 15 U.S.C. 1681e ( b ), creditors and credit reporting agencies are required to ensure that the information provided to them is accurate and complete. 

The accounts I dispute are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Balance : {$4600.00} XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$750.00} XXXX  XXXX Account Number : XXXX Balance : {$3700.00} XXXX XXXX  Account Number : XXXX Balance : {$1000.00} XXXX hereby state that I do not recognize any of these accounts or the amounts reported as being owed. I have never opened these accounts, nor do I acknowledge any liability for these charges. These accounts may be the result of identity theft or clerical errors.

Furthermore, in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 ( g ), I request that you provide proper verification of these debts, including the name of the creditor and the detailed history of the alleged debts. I reserve my right to dispute these debts further should proper validation not be provided. 

Please investigate these matters and, in accordance with the FCRA, remove or correct any inaccurate, incomplete, or unverifiable information on my credit report. I request that you provide me with the results of your investigation, as well as a copy of the corrected credit report upon completion. 

If any of these accounts were reported in error, I also request that you remove the negative entries and notify me in writing of the actions taken. If verification can not be provided, I expect these items to be permanently deleted from my credit report in accordance with the FCRA. 

Thank you for your prompt attention to this matter. I look forward to your confirmation of the dispute resolution.
Product: Credit reporting or other personal consumer reports

Take this seriously and read it carefully - as this complaint is not sent in error. My credit report has false information that are not assured to be the maximum possible accuracy. This inaccurate information is causing undue stress and is affecting me negatively in all aspects of my life.
Product: Prepaid card

I have a American Express gift card to be used at XXXX. 
I first tried to use it to reserve a room at XXXX XXXX  website, but I was unable to because the card must be worth more than the reservation, and the reservation can not be split. 
So instead I tried to use the card in person at the XXXX. I was told by the person making the reservation that they do not ever accept the Amex gift cards, and there was no way to use it. 
So I called American Express. I spent about an hour on the phone, and all the person would say to me is : 1 ) XXXX accepts the card 2 ) We can not give you a refund at this time 3 ) The full balance is still available We went around in circles be because I was told at a XXXX  that they would NOT accept the card, at all ever. 
I purchased this gift card myself and paid full price for it. Therefore, there is no reason why the amount can not be refunded to me. I have tried to use it now multiple times, both online and in person, and it was not accepted. It has wasted hours of my time. It was also a big disappointment because it was originally purchased as a gift for someone, and they also were not able to make their reservation with it so they gave it back to me.
Product: Mortgage

I received a letter from " Mr. Cooper '', a Nationstar Mortgage company, on XX/XX/XXXX indicating my mortgage is being sold to a new servicer, XXXX XXXX. The letter is dated XX/XX/XXXX with a postmark on the envelope of XX/XX/XXXX. 

The letter states that the new servicer will become effective on XX/XX/XXXX, but also indicates that the law requires the existing servicer to send the notification at least 15 days in advance of the effective date. Based on the postmark, I do n't believe the letter was sent in accordance with the law. The letter was sent 13 days prior to the effective date of the new servicer rather than the 15 days required by law. 

The representative of Mr. Cooper stated there was nothing I could do and that the loan was sold. She expressed regret and tried to explain that the postmark did n't reflect the actual date of when the notice was mailed. However, unless there 's new rules for tracking mail, this explanation does n't make sense. 

I do n't want the loan to be sold to XXXX XXXX given their track record of data breaches and opening false accounts on behalf of their customers.
Product: Mortgage

Websterbank delayed closing to charge me rate lock extension fees. Assured me for weeks wevwere all set and ready to close but the last 2 weeks before rate lock end came up with all kinds of things needed to verify before closing. Was in contact with their mortgage agent through out the process and he sssured me we would be ok. Said do n't worry about if it ran over he would get the rate extended. One week before closing I received the final closing documents that reflected a rate lock extension charge. Websterbank agent told me to just sign it because if I did n't it could delay closing by 3 days for new paperwork. He would take care of rebating me the charge after closing. After closing no one wanted to talk with me and no one would call me back. I have emails and texts to verify their intensional delays to incur cost for me
Product: Credit reporting or other personal consumer reports

I have recently reviewed my consumer report and noticed that I have some Inquiries on my report that I did not authorize. I filed a FTC report and will include it in my dispute. I also contacted all 3 Bureau 's about this problem as well.

The Inquiries that I am requesting to be deleted are as follows : Equifax Mortgage Service XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Attempted to dispute with collection agency. Information on all 3 Credit Reports does not match. Date on XXXX is XX/XX/XXXX, XXXX ; no info and XXXX ; XX/XX/XXXX. XXXX shows placed for collection, while XXXX and XXXX don't show any info. 
Date last active on XXXX shows XX/XX/XXXX, XXXX no info and XXXX XX/XX/XXXX. How can there be a 2 year gap between 2 bureaus and no info for XXXX. I want this deleted from all three of my credit reports : XXXX, XXXX and XXXX immediately. As it has a detrimental effect on my credit and due to the fact it is not reported accurately, it should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX, PA XXXX Re : Social Security Number xxx-xx-XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1. Exeter Fin XXXX, TX XXXX ( XXXX ) XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.
Product: Debt collection

i recieved several phone calls of which were threats via robo call messages. no identification noted. then i recieve a recent letter concerning a bank that i had a account with more than 18 years ago that was only a checking account 5th 3rd that i closed due to fraud overdraft fees. i attached the letter and more info on how this bank was sued for such acts now they are at it again through the listed law firm. XXXX XXXX and XXXX
Product: Checking or savings account

I had account fraud, was unaware for months and when the bank called me 8 months later to tell me about XXXX was gone and more transactions were pending. They then tell me they only go back 60 days. XXXX XXXX XXXX is a member of the fdic and they insure for more than what was stolen. They have a fraud department and they said they are under manned, so its not their problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an certified letter on XX/XX/2021 that included all the necessary information to have the 4 accounts removed my my credit report along with evidence for each. TransUnion did not take any time to do an investigation and simply put meets fcra requirements. This was updated to this note immediately! XXXX  and XXXX have already removed the accounts. This is one example of why TransUnion is facing a lawsuit for not investigating disputes properly. Three out of the 4 accounts are companies that are not licensed in Michigan and did not provide the validation and verification I asked for. The fourth account holder did not respond to my request for validation within the 30 days allowed.
Product: Mortgage

From XXXX XX/XX/XXXX, Wells Fargo miscalculated deliquent interest fees. On XX/XX/XXXX I got documents from Wells Fargo regarding my equity from the sale of my home. My home sold for more than my loan amount. Wells Fargo sent me a breakdown of my foreclosure fees. I was charged {$16000.00} in deliquent interest over a 5 month span. If you break that down to charges monthly that means I was charged {$3300.00} per month for 5 months with an interest rate being 6.150 on {$150000.00} ending principal. The math doesn't figure. Also I was charged {$2400.00} for an escrow advance. I did not have an escrow account. I paid my own homeowners insurance and property taxes which leads into corporate fees of {$2300.00}. which is forced insurance. My home owners insurance was through XXXX XXXX XXXX, XXXX XXXX, agent for XXXX XXXX XXXX. I'm sure some just miscalculated there figures but bottom line I should be compensated for over charge or forced charges.
Product: Checking or savings account

On XX/XX/2021, i received a text say that there was fradulent activity on my Bank of America account. I then got a call from the Bank of America fraud department number advising that someone fraudulently sent {$3000.00} to an account tied to a XXXX XXXX account and in order to get my money back, I'll have to request the funds back through XXXX tab through my bank of America. I " requested the funds back '' through the Bank of America app XXXX service. However, it was a scam and the funds were sent to a XXXX account. I called the number bank and got the Bank of America Fraud department. They advised that they did not call me. I told the rep what happened and she asked me questions. I asked her how can they call me from the Bank of America Fraud number. She advised that scammers have apps that can change the number. she was aware that it was a scam and told me. She said it would take 10 to 45 days for my claim to be processed. 

I then called XXXX to see if I had any open accounts in my name. They assured me that I did not. 

I received a letter on XX/XX/2021, dated XX/XX/XXXX, XXXX, that Bank of America could not approve my claim. 

I then called and spoke with the supervisor XXXX. I asked her what information was used to make this decision. She could not tell me. I asked her to do a reinvestigation or I wanted to appeal the decision. She advised that I could not appeal the Decision or do a reinvestigation. She advised that this was a scam and because the scammer did not send the funds back there was nothing Bank of America would do further to try to recover my funds that was clearly fraudulently sent to account that wasn't mine. 

It is my understanding that Bank of America has fraud protection. However, I was not protected. 

I also requested all of the documents that were used to made their decision and have not received them yet.
Product: Debt collection

I have sent them a letter asking for the debt to be validated and removed per section 609 of the FCRA due to it being a result of identity theft. I never entered any agreements or accepted any loans.
Product: Student loan

My student loan was sold to Mohela, as of XX/XX/year>2024 I had a remaining XXXX days of forbearance on the loan remaining and the loans were in forbearance. I requested a forbearance again prior to XX/XX/year>2024, mohela did not respond and my account does not show that a request was submitted. 

My loans then went into repayment in XXXX despite my request and I began to receive emails from mohela, saying I had to pay or my loans would be past due and be in default. At the same time mohelas automated phone system says that I should be ignoring emailed bills and payment requests if I've requested a forbearance. 

I've now had to pay 3 months so that my credit score is not impacted and loans do not default. Still no response from Mohela, and my loans are in repayment without my consent when they should be in forbearance. 

I've now submitted a 2nd request and will be submitting a 3rd. 

Mohela is taking advantage of the situation and making it impossible to get a forbearance put into place on my account. They are also refusing to correspond regarding it by not acknowledging my request, or communicating regarding it and I'm not the only person to whom this is happening. A quick XXXX search shows that mohela is doing the same thing to others. They are abusing their debtors and taking advantage of them as a student loan servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was treated at XXXX XXXX Hospital in XXXX of 2017. I was sent a bill of {$990.00} and then later for {$1000.00}. I was told in the hospital a bill of {$500.00} would be mailed to me. Different bill amounts sent to me had me send a letter to XXXX XXXX Hospital ( which I will attach ) asking if they could verify the debit amount due and a summary of why I owed what I owed. I never received any letter or in-dept bill, but now a collection letter with a new amount of {$290.00} ( XXXX XXXX ). I disputed this with Experian and they are saying this debt is correct but now with a new amount of {$280.00}. I have asked from the original collector to just verify my amount and I would have paid what was due, but instead have received all different amounts with nothing showing me what these amounts are for and why they are all different. Original collector should have communicated with me from the start and this should have NEVER gone to collections and now my Credit Report that I have worked really hard to maintain. I even asked the collector to verify these charges as well and no response, just straight to Credit reporting. I would appreciate any help with this matter because this should not have gone to collector and then to credit reporting and avoiding my letters. I can upload letters, and bills with different amounts
Product: Credit card

On XXXX/XXXX/2015 I was alerted via text message of a fraudulent charge on my Barclay Card in the amount of {$1100.00}. I called the company immediately and confirmed that the charge was indeed fradulent. On XXXX/XXXX/2015 I called to inquire about the status of the case and I was informed it had been filed with the wrong department within Barclay. They then opened a new ticket and assured me the fradulent charge would be addressed. Today on XXXX/XXXX/2015 I called again to inquire about the status of the case and I was informed that nothing had been done since the new ticket was opened four months prior. Please help for I am being assured the case is being looked into and six months later the fradulent charge is still active on my account.
Product: Vehicle loan or lease

I went to Drivetime in XXXX, NJ and negotiated the purchase of a XXXX XXXX XXXX. With the documents and down payment of {$1100.00} provided I took delivery of the vehicle on about XX/XX/XXXX. They claimed to need to do a work verification but it should present no problems since it was just protocol. I was on limited work hours from my employment at XXXX XXXX but was still employed there. However there was a hostile work environment investigation ongoing at my employment which caused my supervisor to report to Drivetime that I had been terminated. This was not true. This action caused Drivetime to come and repossess the vehicle at XXXX two weeks later without any sort of notification or attempt at resolving this issue. Furthermore Drivetime has refused to return any of my {$1100.00} down payment claiming expenses on their part. I must say if they wanted the vehicle back because the falsehood told by my now former employer which i voluntarily resigned from after this incident, i would have returned the vehicle without Drivetime incurring any expenses for having to forcibly repossess the vehicle. When I have asked Drivetime to explain this action they have claimed I needed to be on my job for 6 months which i was at the XXXX. For the record this was not explained to me as a requirement and doesn't state it on the documents I signed for the car that i have seen. 
To make matters worst Drivetime has reported the car loan on my credit and has refused to cooperate in having it removed.
Product: Checking or savings account

I am writing to report an ongoing issue with Capital One Bank that occurred over the last week involving my 360 Capital One Checking Account ( ending in XXXX ). 

On XX/XX/year>, I ordered a cashiers check for {$17000.00} from this account. The check was successfully delivered to the payee the following day, XX/XX/year>. However, that morning ( XX/XX/year> ), my account was unexpectedly frozen. I contacted Capital One and confirmed my identity as well as provided details about the payee, XXXX XXXX colleague Ive known for 15 years, whom I met at XXXX XXXX. XXXX XXXX holds an XXXX from XXXX XXXX XXXX XXXX and has worked for reputable companies such as XXXX XXXX XXXX XXXX. The funds were a retainer for launching and marketing a 501 ( c ) ( 3 ) non-profit organization my wife and I co-founded.

The first agent I spoke with assured me that the account restriction had been lifted, but my account remained frozen. I was also told the {$17000.00} check had been stopped by Capital One. During subsequent calls, the second agent disconnected the call while I was on hold. After two hours, a third agent finally removed the account restriction. She informed me that both the funds and fee would be returned to my account by the morning of XX/XX/year>. 

Another agent stated that the cashiers check was active ; however, XXXX XXXX attempt to deposit the check was unsuccessful ; thus, the check was destroyed. 

As of today, I have not received the funds ( {$17000.00} ), despite making several phone calls over the past few days. 

I am deeply concerned that the funds remain unaccounted for and suspect Capital One may be engaging in fraudulent behavior under the pretense of fraud protection. Additionally, I believe discrimination may be a factor, as XXXX XXXX name is of XXXX origin, despite her well-established credentials. 

Expected resolution : immediate return of my {$17000.00} ( {$17000.00} + {$20.00} fee for ordering a cashiers check ). 

I appreciate your attention to this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 


XXXX XXXX Balance Owed : {$0.00} ; DEPTEDXXXX XXXX Balance Owed : {$0.00} ; DEPTEDXXXX XXXX Balance Owed : {$0.00} ; DEPTEDXXXX XXXX Balance Owed : {$0.00} ; DEPTEDXXXX  XXXX Balance Owed : {$0.00} ; DEPTEDXXXX XXXX Balance Owed : {$0.00} ; DEPTEDXXXX XXXX Balance Owed : {$0.00} ; DEPTEDXXXX XXXX Balance Owed : {$0.00} ; DEPTEDXXXX XXXX Balance Owed : {$0.00} ; DEPTEDXXXX XXXX Balance Owed : {$0.00} ; DEPTEDXXXX XXXX Balance Owed : {$0.00} ; DEPTEDXXXX XXXX Balance Owed : {$0.00} ; DEPTEDXXXX  XXXX Balance Owed : {$0.00} ; DEPTEDXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1800.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I don't recognize this company and would like it removed from my credit report. 

XXXX MIDLAND CREDIT MANAGEMENT ( CLOSED ) Summary Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account 's reported balance by its credit limit. 
Account Number XXXX XXXX Reported Balance {$950.00} Account Status COLLECTION Available Credit MIDLAND CREDIT MANAGEMENT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX ( XXXX ) XXXX