23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was laid off from my last job ( severance money ended XXXX XXXX ), I could not meet my mortgage payments to Wells Fargo and applied for a mortgage adjustment. For 2 years, I faithfully sent in all of the paperwork. Because I could not find another job, I applied for SS in XXXX XXXX when I turned XXXX. I kept sending all of the paperwork. The last thing they wanted was XXXX letter from Social Security stating the total amount they were giving me. I was {$1600.00} for me, and {$800.00} for my XXXX daughter and {$800.00} for my XXXX son. They insisted that I get XXXX award letter for all of us, or at least XXXX award letter combining the XXXX children. I went to the SS office in XXXX and they said that such a letter does not exist. SS did not understand why Wells Fargo could not add the numbers together from each benefits letter. I told XXXX XXXX the Wells Fargo rep, I was always friendly ) and he said his manager insisted on it and he 's trying to hold him back. We spoke on the phone with his manager. He was insistent and stubborn. Later he wanted to know if my children 's letter was for survivorship or XXXX. I told him that obviously it is not for survivorship and no one is XXXX. It 's only because I 'm collecting SS and have XXXX children under age XXXX. Nevertheless, I called SS and received letters for each child without the title " XXXX, XXXX and XXXX. '' Anyway I was able to receive benefit letters for each child without XXXX on top of the page, and uploaded it to the Wells Fargo modification website. The end-all, my application was dropped because I did not supply that form and only that form. XXXX XXXX XXXX confirmed this to me on the phone a few times, most recently XXXX XXXX or XXXX around XXXX XXXX. XXXX XXXX had initiated this call to me and said that I could reapply and submit all of the necessary paperwork. At that point I said that I am going to report him.
Product: Money transfer, virtual currency, or money service

Venmo has been illegally holding {$800.00} of my money first they froze my account after I received the money and told me that they need to identify who I was in order to release the money on the account I provide them with my driver 's license. Then they stated that oh well in order to unfreeze your account the card that you have attached send us the card statement to the credit card or debit card that you have on venmo. My bank does not have card statement. My bank does have account statement I provided them with that. After that they still refuse! I need my money.
Product: Payday loan, title loan, or personal loan

I am a XXXX veteran and my wife were in need of a home equity loan and applied with a credit union that represented military families. We later determined that the amount of payments at {$690.00} paid on time monthly, had Not reduced the balance of the loan down after approximately a year? It was discovered that our interest rate at the time of the loan was quite higher than expected. We contacted the lending institution, in attempt to negotiate the interest to a much lower rate and were unsuccessful. We continued paying on the loan more years. This became frustrating that we now were forced into a loan without a fair opportunity to get the interest payments lower to accommodate our finances, as my health was deteriorating more from service in the military and the interest rates were much lower at the current bank loans. I was forced to work with this health condition. It was approximately 4 yrs later that we finally were able to get another bank to refinance the loan to pay off the previous bank, at a very much lower & fair interest rate. However, the payoff was still near the balance of the loan amount borrowed when it was paid off? So basically we were in a loan borrowing {$50000.00} with finance charges of {$74000.00}, totaling after 15 years. A total payment amount of {$120000.00} with the interest rate at 14.750 %. 
This is totally not right? Especially to our military families and seems to me PREDATORY practices when they refused to allow a refinance at the much lower rate. Informing us that that type of loan was ineligible for refinancing. I am in hopes that I have filed my complaint with the correct office to look into this and look forward to hearing some soon. Thanking you in advance in your assistance with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.
Product: Checking or savings account

My account was hacked and several unauthorized payments of a total of {$4900.00} were made using XXXX and apple cash from XXXX. 
I reported this as soon as I found out to Chase bank who initially reimbursed the amount back to my account. 
On XX/XX/2021, the bank notified me that their research concluded that the transaction was authorized and that they would take back the reimbursed amount of {$4900.00} on XXXX and XXXX. 
After getting this message, I made several attempts to talk to them on the phone even visiting one of their branches. First, calling them and being connected with someone was such a painful process as I was put on hold for up to 50 minutes. Even during this long hold I would be disconnected without any announcements. 
After several frustrating failed attempts spanning several days I finally was able to get a hold of someone who said I had to provide proof that I did not authorize those transactions to be reimbursed the lost amount. This is impossible for me because ( 1 ) my account was hacked ( I don't know how ) and the transaction was made using my account and password by a wicked hacker, ( 2 ) I don't know the other party who received the money. How am I supposed prove that I do not know that party. 
Isn't it the bank 's job to find out the ip address of the receiver and figure it out? I don't have the technology and knolwedge to do that. 

I am already indebted with my college loan and I just can not afford to live with extra financial burden which is of not making at all. 

The bank is not doing its job to support their loyal customer and making it so difficult to dispute bank 's wrong process and due diligence. 

I demand full investigation into this matter and a full reimbursement.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX  XXXX XXXX. XXXX  XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/22 to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX, XXXXXXXX XXXX XXXX  XXXX CT XXXX, NC XXXX, XXXX XXXX CT XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX CT XXXX XXXX NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX Balance : {$1000.00}.
Product: Debt collection

Collection company that purchased old debt from original company. Then filled a lawsuit against me for debt purchase from said company and is not original debt ownership and law firm retained for said lawsuit has contracted a process server that would harass my home that Im not the only tenant in and disrespected and was disrespectful to other tenants is home and would wait outside and walk up to windows and look inside creating a disturbance for other people in home
Product: Credit reporting, credit repair services, or other personal consumer reports

A lot of misspelled names and names I never used and address is wrong I tried disputing on experian and it want allow me to. And unknown ssn attached to my credit report
Product: Debt collection

In accordance with the Fair Credit Reporting Act this creditor has violated by rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15USC 1681 ( Section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Bank account or service

I opened an account with Chase Bank approximately 2 years prior to XX/XX/2013. I had a fradulent activity take place on my account for {$1900.00} for some person in XXXX. I do n't know how this person got my account number. However, they wire transfered them funds into my account. I had regular activity going into my account that excited well over 2500 monthly, XXXX check through direct deposit and the other check was deposited weekly. I went to the bank to withdraw my monthly earnings and was told by one of the customer representatives did I have some unexpect fraudulent activity take place on my account but, she told me that it should not be a problem they just had place a hold on my account and she asked me to see one of the tellers in the branch. So I went to them she told me that she would investigate it and she did and told me that they were closing my account with no answer as to want happened because she gave my the {$300.00} and something dollars that I had left available on my account. Later, I received a text message from the bank telling my that I was negative {$1900.00}. from a wire transfer another representative told me. And I asked her how that could be I did not give another my account information other than my employers to do direct deposit on my account. She told me that I would have to clear it up. So a few days later they received one of my direct deposits from social security for {$1300.00} and then the other check I could not deposit because my account was close and I did not have the remaining XXXX to place into the account because they ate all of my bill money. So I called them up and told them that I was going to resolve the balance because I did not want any problems with them being reported to any collection agencies. This representative assured me that as long as I paid that everything would be okay and I could open up another bank account anywhere else because they were not going to report me. I asked her about timeframes and she told me that as long as I kept open lines of communication with them I would be okay since this was not my fault. She told me that I could file a police report but I told her that I did n't know who this person was in XXXX because I did not have any friendship, relationship or any connection to this person that did that. Then she said that it was fraudulent which I told her that it was. Then she went into to telling me that this type of activity does happen to people and the bank works with you on resolving the problem to protect their customer. So I ended up paying it in full to the bank. They told me that I should not have any problems with opening a bank account and there would be no reporting of a problem. So I opened up a checking account with XXXX Bank and trust with no problem. I was there for a while and had no problems then they closed my account due to XXXX complaint from chase months later. Please clear this up chase. This is clearly not my fault I do not know anyone in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I urgently need your assistance in resolving the issue of my stolen identity. I kindly ask you to swiftly remove the fraudulent items and promptly update any other incorrect information.
Product: Student loan

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, XXXX Another issue occurs on XX/XX/XXXX when I agreed to a preliminary agreement, and I call it such because it is missing the defining features of a contract. Missing was the interest rate, amount to be paid every month and the time it is to be paid. There was no required uploading of consent validation or drivers license identity verification, and no provided pre-loan education, as historically this was mandatory. The paperwork used : XXXX XXXX. XXXX Exp. Date XX/XX/XXXX, and its expiration is evident as it refers the borrower to check ( NSLDS.gov ) National Student Loan Data System for contained information about the loan and payoff. This website is not accessible. Furthermore, Nelnet told me that loan AD can take 8 months to consolidate. They failed to mention it can be as soon as 22 days! XX/XX/XXXX, they consolidated the loans. And I come to find out that I would not be eligible for the Presidents forgiveness and a higher interest rate upon consolidation. To sign a new contract that is so disadvantaging to one party, should require proof of further education, before contract is finalized. XX/XX/XXXX I emailed nelnet and XX/XX/XXXX Department of Education, informing them that what occurred XX/XX/XXXX was a serious breach in contract, to say the very least. 
Other issues : Fixed interest rates are treated as variable, loans with the highest interest rates are paid the least, prepayments or payments beyond what is due will stop the loan from getting paid so it yields great capital gain for the servicer. This occurred with my account, despite the Borrowers Rights, stating that Your servicer can provide more information about how prepayments are applied. The servicers know as little as borrowers ; nevertheless, they are omitting and misleading people while representing Nelnet. I have been a XXXX XXXX for XXXX of the XXXX years and would have signed up for the Public Loan Forgiveness Program .
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Financial apparently did 2 credit inquiries within 10 days. I purchased a car on the XXXX. The car dealer apparently pulled my credit on the XXXX, then again on the XXXX and again on the XXXX. I already secured financing on the XXXX, there was no reason to pull my credit multiple times after I made the purchase. I did not authorize any credit inquiries on any day, other than the XXXX. Both of these inquiries need to be removed from my XXXX  credit report.
Product: Checking or savings account

Hi, I have had an account with Wise ( Wise Inc ) for 3 years. They asked me to provide some verification details, so I did, successfully. 

They have still not unlocked my account and my {$2000.00} is being held for now 4 weeks. I am behind on rent because of this and wise are not taking responsibility. 


Account : XXXX XXXX
Product: Payday loan, title loan, or personal loan

Rapid Auto Loan Issues Aged Reports For 4 months I informed Rapid Auto of aged reporting issues where their system reflecting inaccurate information.Their system was adding an extra 30 Days to my payment status. In example, if I am 1 day late, the rapid auto loan system was showing 31 days late. It took them several months to fix an issue which should have been resolved in minutes. This has caused harassing phone calls and texts related to issue.Harassment Rapid Auto sends several texts daily stating the my vehicle has been dispatched for repossession. The statement is an illegal form of collections which stresses the customer. If I am late with a payment, I set an arrangement with the company and make the payment on the stated date. The texts they use to agitate or harass their customers is illegal. My vehicle has never been out for repossession as it incurs additional costs for the lender and customer. Rapid would also need to attempt to cure the current status before dispatching any vehicle for repossession. This falls under unfair business practices and should be prevented by any lender.Pay off - At 26 % interest, I have requested a payoff from Rapid for 3 months and have not received a call back to settle the account. I am incurring an additional XXXX dollars monthly in interest fees that I have been trying to avoid. I sent several request to XXXX to settle the account with an adjustment to the payoff amount. Rapid is choosing to ignore the request in an effort to maintain interest payments through the term of this loan. I would have saved XXXX dollars so far in interest payments if they provided me the adjusted payoff 3 months ago. I have requested another payoff with XXXX payments left which would save me XXXX dollars. I am requesting a final payoff from Rapid of XXXX which also includes the 3 months of interest payments in which they ignored.Rapid auto loans has no language in contract regarding prepayment and has included 12 months of interest in the principal they say i owe. Since I have been trying to pay this early, I am not liable for additional interest payments. The loan needs to be settled at fair value and I have been trying to do this for3 months now. They dont respond and forces me to make the payments monthly.They should be investigated for how they manage interest accruals in contracts and charge their customers.I am requesting that CFPB discuss these practices with the lender and ensure these issues are resolved. Rapid Auto should not be in the business of lending considering these concerns. I am sure others have experienced these deceptive practices by the company. They should be audited and fined for these occurrences. I am also requesting their license be put under review while CFPB investigates these claims.Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX, XXXX  XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # : XXXX, XXXX XXXX XXXX Account # : XXXX, XXXX  XXXX Account # : XXXX, XXXX Account # : XXXX, XXXX XXXX XXXX  Account # : XXXX, Account # : XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX  ) Account # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

I told them am homeless no money to pay the XXXX charge XX/XX/XXXX I want a refund back from the overdraft fee or {$34.00}
Product: Credit reporting or other personal consumer reports

I am writing with the utmost urgency to demand immediate action regarding the fraudulent accounts and erroneous information unlawfully reported on my credit file. As a victim of identity theft, it is imperative that this situation is promptly rectified. I insist that you take the following actions forthwith : Expunge all fraudulent accounts from my credit report. 
Provide written confirmation that these items have been removed. 
Conduct a comprehensive investigation into how these accounts were erroneously reported. 
Ensure that all future credit reports reflect accurate information and are devoid of any fraudulent activity. 


XXXX XXXX
Product: Credit reporting or other personal consumer reports

I obtained a copy of my credit reports online in XX/XX/year> from all three credit bureaus. There was a XXXX Bankruptcy court item listed on my credit reports. Per the FCRA XXXX ( a ) ( XXXX ) ; " If the credit bureau can not validate the information with the original creditor, they must remove said information from the consumer credit file. 
With that being said. I filled a dispute to each credit bureau in regards to the bankruptcy public record on my credit reports. Between XX/XX/year> and XX/XX/year> the bankruptcy public record was removed from my XXXX credit report. I am requesting that it also be removed from XXXX and XXXX credit reports as well. 
The Bankruptcy XXXX stated that they do not provide any information to credit reporting agencies, nor do they ever validate and or confirm public records. It is the credit reporting agencies, and or third party providers who collect information regarding public cases from public records. Public records information is never validated by the XXXX XXXX system due to the Fair Credit Reporting Agency Privacy Law. My inquiry to the XXXX Bankruptcy XXXX XXXX XXXX credit bureau has ever validated or verified the public record entries on my credit report, neither will the ever be by them. They further stated while they are not liable or responsible for any misuse or incorrect public records, nor the distribution of said information. Public records may oftentimes be reported by third party sources unaware to the consumer, and in most cases incorrectly. Considering the information indicating a XXXX XXXX XXXX XXXX violation, I am requesting that all bankruptcy information currently showing under my social security number be permanently deleted from my credit report immediately. 
I am also requesting that XXXX and XXXX provide me with copies of all documentation associated with this public record account bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, a all the information listed under " XXXX XXXX '' needs to be immediately deleted from the credit file under my name and social security number.
Product: Debt collection

Hammerman & Hultgren had a hard hit on my credit report when in fact this account is a corporate account. I was simply signing a contract on behalf of my job duty as XXXX XXXX. I have absolutely no personal obligation for this debt and this attorney never had the right to obtain my ss # for this matter, period, and to run my credit without my permission! This attorney and the collections done on my personal credit report have impacted my ability to obtain new financing. I believe this is their way of trying to get me to pay and a threat that if I dont pay that it will remain on my credit report!