23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In XXXX I began attending college at XXXX XXXX XXXX. Like any college student a main concern of attending college is " how will I pay for it ''. With no assistance, or knowledge about loans my mom and I began looking for loans we would be able to afford while I was in school. XXXX of the loans that caught our eye was from XXXX XXXX with a loan payment of only {$54.00} a month. It seemed like a no brainer. We received our first disbursement on XX/XX/XXXX in the amount of {$4900.00}, second disbursement on XX/XX/XXXX in the amount of {$900.00}, and the last disbursement on XX/XX/XXXX in the amount of {$4900.00}. Since XXXX my parents have been paying double the {$54.00} monthly payments on the {$10000.00} loan. It is now XXXX and we still owe {$5600.00} on a loan from XXXX. Since then, the loan has transferred to Firstmark. I honestly didn't know my parents were still paying on this loan until recently. I mean it was from XXXX. When my dad called Firstmark to understand why this loan really wasn't getting paid down the representative told him it would never be paid off and his best bet would be to take out another loan elsewhere with a lower interest rate. It currently accrues a daily interest rate of {$1.00} and is a variable loan. The estimated Total Interest Accrual is {$4700.00}. To me this loan was complete theft and took advantage of parent 's trying to send their kid through college. It seems very familiar to what happened in XXXX to XXXX XXXX with their illegal student loans practices. XXXX XXXX is the real culprit here. Before the loan was transferred to Firstmark my dad said he tried requesting documentation about the loan and payments and they said they would mail documentation, but it never came. Even the lady at Firstmark agreed that this is a never-ending loan. I wonder how it is even legal to do this to a person?
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances these practices are unfair and request and investigation into my account transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the application Credit Karma due to information published from lenders for my current student loans reflecting an increase to the interest of those loans but all loans showing in current status and in Deferment or Forbearance. My score recently dropped XXXX points due to the reporting from these lenders of the interest accrual. I reached out to the lenders and was advised that my score should not have been affected due to the up to date status of my loans. I reached out to Credit Karma and was told it was due to the balance increase and that was the reason for the drop in score which was inaccurate.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and there are some fraudulent accounts appearing on my credit report. I will list the items below.
Product: Mortgage

This is the second complaint that I have filed against Amerinational mortgage company. I have contacted them twice via phone to get my late charges for my mortgage handle. As of right now when I go on there website it currently reflects that I owe XXXX in late charges. I made a payment on XXXX XXXX,2017 of {$440.00}, which was my mortgage payment plus the late fee that they were saying that I owed. As of today I have made another payment towards my mortgage of {$420.00} to cover XXXX 's mortgage payment and late fee. The first call I made was around the XXXX XXXX, 2017 and spoke to a young lady that told me she would have the changes made and my should reflect a XXXX balance for the late fees, that did n't happen. So on XXXX XXXX, 2017 and spoke to a young man named XXXX about XXXX XXXX central time. At that time explained to him the problem I was having and we went back and forth with the numbers for a little while before he just came to the conclusion that he did n't understanding why the system was still reflecting a late balance and at that time a new late charge that was n't they 're standard late charge of {$20.00} was showing also. The system at that time was saying that I now owed an additional {$11.00}. Which I told him was impossible because if they give a grace period of 10 days from the XXXX of the month at the time of us speaking I still was n't late. At that point he said he would put in a request to have the matter handle. He told me it would take about a week to fix it has been a week and nothing has been done. I also have contacted XXXX XXXX XXXX Of Wisconsin ( XXXX ) which is named on the mortgage also to help resolve this issue. They are the organization that I abstained my home through. I have attached the payment ledger to this complaint so you can see exactly what is going on with my account. I have made lump some payments at time that did not get posted right. They decide to break the payments up and then they applied them how they wanted to. They will put the money towards unapplied funds or escrow payments instead of late fees or the next months mortgage payment.
Product: Mortgage

This is a long story that started with a Ch. XXXX BK in XXXX. BK ended in XXXX XXXX. My original mortgage was in XXXX just before collapse of real estate market with XXXX. The mortgage moved to XXXX, then to XXXX XXXX XXXX XXXX, then a shady secret account called XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Then to a collection agency : SPS ( Select Portfolio Services ) and now since XXXX XXXX with XXXX, but XXXX still holds the deed. the 2 later are collectors, not really mortgage companies, and are constantly trying to toss me out despite being not only fully paid but have paid too much. When XXXX transferred it to XXXX XXXX XXXX  they didnt give them a full accounting, so I ended up in BK trustee court which proved I was paid in full with a court order. In XXXX. Yet, after BK was over and SPS took over they kept claiming I owed anywhere from $ XXXX to $ XXXX in unpaid mortgages they couldnt quite get their numbers straightXXXX morning XXXX they called at XXXX XXXX telling me they were going to foreclose on my home. Lovely XXXX gift.. ruining my XXXX. in XXXX, they started cashing my checks electronically from XXXX XXXX which somehow, I never got credit for, so when XXXX took over in XXXX XXXX, they claimed I owed XXXX K approximately. Even though according to my records I had paid almost {$3000.00} too much that I wanted to go towards principal. I sent them all payment slips and proof from bank statements, but in a phone call they said " we do n't care '' ... ... Despite my complaints and massive letters with bank records they threatened me so bad I paid it in XXXX of XXXX. I do not get ANY statements but have continued to pay monthly mortgage payments, yet today I got another letter stating I owe over {$7000.00} since XXXX ... I called an they claim my mortgage went from {$1400.00} to {$3000.00} in XXXX due to flexible rates ... even though mine has been the same more or less for years, give or take a few hundred dollars.. They claim they sent me letters to this fact which they did n't ... I get lots of letters claiming to default on my condo but none with any amounts in it ... I have never received a proper statement. Every check I pay with, I write on it : " I still did n't get a statement '' If I had of seen such a letter I would put up quite a stink. I am getting so tired of this. Its a cartel of corruption. I have sent so many letters, called and gotten disgusting people on the phone ... claiming they dont care what I say, dont care about my bank statements ... this has to end. I have recorded conversations. I am being abused and cant afford an attorney. I want my XXXX K back or at least applied to principal. During XXXX i did n't even get a XXXX Tax form credit of mortgage interest payments to use against my taxes ...
Product: Credit reporting, credit repair services, or other personal consumer reports

id theft victim. account that was charged off is not my account. already removed from equifax and XXXX 
XXXX for {$3600.00} is not mine XXXXXXXX XXXX  XXXX {$1900.00} not mine
Product: Debt collection

I have sent a certified letter to XXXX XXXX XXXX XXXX. and asked them to send me all of the information in the letter that had all of the information that I am asking for. I have all of the letters and copies of the information that I am asking for. They did not give me all of the information that I asked for. They are still wanting my to pay this debt but I asked for information and they did not give me everything that I asked for. I gave them 60 days to take care of this debt and they have not taken care of the debt at all.
Product: Credit reporting or other personal consumer reports

I have requested to update my personal address with copy of my drivers license. Ive requested deletion of all old addresses because i can not receive mail, i have no correspondence, nor do I have any access to these old addresses. I would like to be treated fairly and exercise my right to privacy.
Product: Debt collection

The agency has violated multiple FDCPA regulations. The entity which provided me no notice that a debt existed or that the debt was in collections and placed the debt on my credit XX/XX/2021 in the amount of {$750.00} and {$340.00}, in an attempt to have me pay an unknown debt without validation. When seeking validation of the debt the agencies phone representatives hang up in my face if I do not acknowledge the debt, in an attempt to reset the statute of limitations before even validating the debt in writing. The agency uses harsh collection methods which violate the rights of consumers and do not align with FDCPA guidelines. I have sent the consumer a letter of validation on XX/XX/2021 without response. The agency refuses to assist with a validation in efforts to run out the time to request validation. This agency should be fined and ashamed as I have seen this agency do this to multiple people violating the rights we have as debtors and limiting the options we have to resolve debts before financial and credit impact occurs in an attempt to get a fast payment agreement and reset statute of limitations on what could potentially be older, non-obligated debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax wont remove inquires that they confirmed they deleted from my credit file the disputes were filed on XX/XX/2019 and wrapped up on XX/XX/2019 confirmation number of XXXX but the items still havent been removed also they are reporting 3 fraudulent accounts from XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX  and they arent sending the data to the companies I just started they are using XXXX XXXX system and reporting these accounts that are fraudulent I will sue Equifax also XXXX is reporting a XXXX account on my file and I do have a police report this is not my account
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This company is currently showing 30 days late for the month of XX/XX/2018. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Product: Checking or savings account

On XX/XX/XXXX, I received a call from a female stating that she was from Citibank Fraud Dept trying to verify a charge of {$1300.00} at a Best Buy store in Florida. She asked whether or not I had attempted to make that purchase. When I said no, she said the bank would need to block my account and replace the debit card by overnight mail. Before proceeding, I used my second cell phone to dial the number from which the call originated. I received what appeared to be the usual Citibank options so I felt that the call was genuine. 
I was asked to enter 6 digit Authentication codes twice and the call was concluded with reassurance that the new card would be available by noon the next day. 
I woke up on XX/XX/XXXX and checked by bank activities as I normally did every 1-2 days. I discovered that a wire transfer had been made from my small savings account to my checking account. Then my checking account was emptied, ( {$850.00} ) leaving less than {$10.00}. Fortunately, I had had a direct debit of {$3000.00} completed by IRS earlier that morning. I called Citibank number on the back of my bankcard and the Customer Service rep tried calling the number from which I had been called the previous day and stated that it was indeed a Citibank Customer Service number after she completed a call to that number. 
I decided to go to the Citibank branch at XXXX XXXX XXXX XXXX in XXXX and after waiting over 2 hours, a fraud claim was filed by the banker, XXXX XXXX while assuring me that the bank was insured by FDIC so I should not worry. 
She gave me a fraud report form which required notarization and I completed it and returned it 2 days later. 
Citibank responded about 4 weeks later stating that I agreed to wire transfer and other transaction because I repeated the 6 digit code ( which actually is the same experience I have had in the past with Citibank ). I immediately called their Fraud Dept to dispute their decision and 2 weeks later I again received the same response. 
On Saturday, XX/XX/XXXX, I received a letter from Citibank headquarters in Texas with further explanation that they honored what was seen as my request to transfer my money to " a beneficiary '' so I was ultimately responsible for the fraud which was perpetrated. 
This is blaming the victim. If they use a 6 digit code to verify my identity and I input the code requested, I assumed that by verifying the origin of the call and following usual bank procedures I had done the proper thing. 
I have heard from several people since then who have been defrauded twice - by the hackers and then the bank. 
This appears to be Citibank 's pattern and they must be stopped. 
I am thankful that I had been using their services to mostly pay bills. I am in the process of withdrawing ALL my funds from this disreputable organization.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXXXXXX Balance : {$970.00}
Product: Debt collection

Gla collections  XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX   This company has called me many many times, on my cell phone via automated message stating my full name and my doctor 's name. The above is only a handful of times I 've been called and it never stops. This is a very old debt and I do not wish to be called nor do I like my personal information be given out on my voicemail.
Product: Credit reporting or other personal consumer reports

This is my several endeavors 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 XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have Hard inquiries that were made on to my credit report that I did do not recognize or did not authorize!
Product: Vehicle loan or lease

Yes I lost my job due to XXXX pandemic and I being on a economic hardship, I get unemployment every to weeks and the amount I'm being approve for to received is {$200.00} a week. I've being working with Wells Fargo Auto about my payments and the amount I can pay. My account with Wells Fargo Auto has being pass due for 120 days but due to covid-19 pandemic. I started paying my on my account back in XX/XX/XXXX and XX/XX/XXXX. When XX/XX/XXXX came around I didn't I have all of the funds to pay my monthly payment of XXXX due to the Unemployment website crashing so that I can request pay from the site but the site was down and I couldn't request any funds on the site because of that and that cause my request of funds to be delayed and push back the next payment release that would be a week or two delay. I spoke with Wells Fargo about the issues, but due for my account being 120 days late on XX/XX/XXXX the account charged off and I was force to come up with the remaining balance of the payoff of the car which will be {$12000.00} or make 3 months installments of that. I talked with Wells Fargo about my economic hardship to see what they can offer and I was told I already exhausted all my options of them helping me with my account. I applied for Wells Fargo Deferment due to covid-19 and that I couldn't apply for it again. I made sure I was in contact with Wells Fargo about everything about my account and what I planned to help my situation. I spoke with Wells Fargo about I received a letter stating I was approve for the covid-19 deferment before my account charged off but I didn't receive the letter in a timely matter because Wells Fargo didn't put my correct mailing address on the envelope so it was returned to them and Wells Fargo re-mail the letter and I didn't received until after my account was charged off. Wells Fargo stated they couldn't granted me that deferment because it was after my account was charged off and that I already received two deferments already. I was shocked because I actually have prove of the letter stating my approval, but Wells Fargo insisted it was a mistake on their part and I should haven't received that letter. I just want Wells Fargo to look into their system to see what is really going on. I also received another Covid-19 Deferment approval letter again dating XX/XX/XXXX and I confuse on to why I received two letters stating I've being approve but Wells Fargo can't seem to have an answer for me. I'm still having a economic hardship due to Covid-19 pandemic I need Wells Fargo to help me with the confusion of the approval letters of Covid-19 Deferment Letters and that I ' don't have the funds to payoff a vehicle due to the pandemic. I will to pay partial payments to let Wells Fargo know that I'am dedicated to make payments on my account and that paying the payoff of the loan is not an option on my behalf because of the pandemic and my situation. If Wells Fargo repo my vehicle during an pandemic I'm not sure that if that something the law will grant them to do it, or not, but it will surely make my situation a lot harder in this pandemic.
Product: Vehicle loan or lease

I have talked to US Bank on XXXX different occasions to get a release of lien letter for a lease that was satisfied in XXXX. The tracking number for the issue is XXXX. This started in XXXX and I have still not been able to get the requested information from them.
Product: Credit card

Dear Sir/Madam I am writing to you regarding an issue I am facing with my BHG Business Credit Card account XXXX My name is XXXX XXXX and I have been a loyal and responsible customer of XXXX XXXX XXXX XXXX  for XXXX XXXX  I am deeply concerned about the recent block placed on my BHG Business Credit Card account. Despite consistently making payments on time, maintaining a flawless record, and demonstrating strong business revenue and income, my account has been inexplicably blocked. This block has severely disrupted my ability to conduct essential business operations and has caused undue stress and inconvenience. 

I have attempted to resolve this matter by reaching out to your customer service team on multiple occasions, but regrettably, I have not received a satisfactory response. Despite my efforts, the issue remains unresolved, and I am left without access to my account. 

I kindly request your immediate attention to this matter and ask for the block to be promptly removed from my BHG Business Credit Card account. I believe that this action is unjustified and does not align with the exemplary history I have maintained with XXXX XXXX XXXX XXXX. 

I urge you to escalate this issue to the appropriate department or individual within your organization who can provide a resolution promptly. It is crucial that this matter is addressed with urgency to minimize any further impact on my business operations. 

I appreciate your attention to this matter and look forward to a swift resolution. Please feel free to contact me at XXXX XXXX XXXX or XXXX to discuss this issue further. 

Thank you for your cooperation and understanding. 

Sincerely XXXX XXXX.
Product: Money transfer, virtual currency, or money service

Ive had a Coinbase account for several years. Two months ago they locked my account. I made several complaints and no one ever got back to me. I want my money released back to me and I want to close my account with them for their terrible customer service. I almost feel like its a scam and they stole my money.