23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have a Fidelity credit card. On the card was mostly a charge for my son 's college bill of approximately {$9500.00}. The entire credit card bill was {$9800.00}. I had money in my son 's educational account to pay most of the bill and was assisted by someone at Fidelity to transfer this money over to the credit card account. A small amount of additional money was needed from his account for which I sold a bond. This was not going to be credited until XX/XX/XXXX. I had other means to pay the bill but wanted to pay directly from my son 's account for tax reasons. The Fidelity representative told me not to be concerned because the credit card withdrawals were never made on the due date. 

On XX/XX/XXXX I kept an eye on the account and called Fidelity to check on whether or not the credit card withdrawal was being made ; there was no alert from the credit card department, which is a separate company, about an upcoming payment. The Fidelity representative told me that if there was to be a transfer it would have shown up. By the last time I checked at XXXX XXXX  there was still no alert so I assumed everything was all set. Several weeks later i got a notice that none of the bill was paid. I called them and was told that the payment hit in the middle of the night despite there being no notification during the business day. Instead of taking what was available, they took nothing and charged me a large fee for nonpayment. Even though all the money was in the account for the payment by XX/XX/XXXX the money was left untouched and no one notified me of the problem. Is there a law that was violated requiring the credit card company and/or the bank to give a heads up by the end of the business day that money would be pulled from my account that night? The payment went through so everything looked right with the account but it was rejected on XX/XX/XXXX. I feel taken advantage of ; there was no way to get this straightened out despite all my efforts. 

In summary, the credit card company should have provided a heads up the day that the money was to be withdrawn so I would have known and paid a different way. There must be a law about this because I have always received such alerts in transactions of this type. Given the lack of notification, the credit card company should have withdrawn the funds on the XXXX. By then the money would have been in the account. Plus they had my phone number ; obviously I was trying to pay the bill since most of the money was available for the payment. They should have at least applied that money. In fact some of the money was cashed in rewards from the credit card itself. Not even that was applied.
Product: Mortgage

I was notified that my current automatic payment ( matching the amount on my current statement ) has been suspended. The amount due has gone from {$1500.00} to {$12000.00}. They told me that my interest rate was supposed to have adjusted over 2 years ago according to my 2009 modification agreement. I was never notified of any changes. My loan is serviced by Ocwen Loan Servicing LLC.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a collection account that has recently appeared on my credit report. The account in question is listed as XXXX ( Original Creditor : XXXX XXXX XXXX  ) and has an account number of XXXX, which I have no recollection of.
Product: Credit reporting or other personal consumer reports

I was shocked to find inaccurate accounts listed on my credit report this morning and have no clue how they got there. I routinely check my credit report, but this time, unexpected discrepancies appeared out of nowhere. Refreshing my browser didnt help, as the errors remained unchanged. Im urging a thorough review of the documents Ive submitted to resolve this issue permanently.
Product: Debt collection

I have asked LVNV FUNDING LLC to verified and validated the account with my original contract with my signature on it. I wanted to see if there has been any insurance claim filed on this debt. I asked to see the signature that I put put on the contract guaranteeing that I would pay this creditor. And lastly, I asked to see proof of chain of tittle they have to collect on this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Inquiries Appearing On Credit Report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

THIS WAS A SETTLEMENT THAT WAS NEVER REMOVED AS PROMISED ; THEY ARE VIOLATING MY RIGHTS BY KEEPING THIS ON MY PROFILE
Product: Money transfer, virtual currency, or money service

On XX/XX/19, I sent a payment via Paypal. Per Paypal 's fee schedule, the fee for sending money for goods and services in USD is 2.9 % plus XXXX cents. I was paying a vendor {$100.00}, so 2.9 % of that is {$2.00}. Add XXXX cents, the fee total is {$3.00}. So I paid {$100.00}. However the vendor showed me a screenshot saying he ended up with only {$99.00}. Paypal took an additional XXXX cents on top of what they're supposed to, an almost 1 % overcharge. This caused a debate between the vendor and I, when neither of us are at fault, it's Paypal taking more than their share. This probably happens to a lot of customers and Paypal makes a killing off of these overcharges. I tried calling Paypal but their offices are closed. Will try again another time, but CFPB should be informed and I hope you can help nudge them to do the right thing. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/XXXX, my personal financial information was retrieved remotely from Equifax 's databases, without my authorization and knowledge. I have not signed up for credit monitoring services provided by Equifax, as it may/will void my ability to follow through with arbitration.
Product: Payday loan, title loan, or personal loan

I got an online loan when i was desperate. No one goes over the actually cost and fees, i have paid almost the full amount of the loan and yet the loan has only gone down luke XXXX. I got the loan XX/XX/2016 for XXXX. I have paid about XXXX. On it and yet I still owe XXXX. There is no way i can get out of this loan ever. I feel it is unethical law of business. I feel this should be illegal and the loan washed. I would have no proble paying the remaining balance of What I owed but I can't live or survived paying this. Loan sharks should be illegal. I didnt even physically sign and I swear it did not say i would be paying twice the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting unverifiable information to the public which is damaging my character and well being and quality of life, I have been going back and forth fo years now for them to do their job correctly. I have an unauthorized inquiry XXXX XXXX XXXXXX/XX/2021 & Account XXXX XXXX XXXXXXXX that needs to be removed. I have attached all supporting documents. 
Please be advised, our records indicate XXXX XXXX contacted the XXXX Consumer Center directly via phone on XX/XX/2021 alleging the inaccurate reporting of bankruptcy records listed in his file. XXXX located the bankruptcy records he is questioning and initiated a dispute of the said records on his behalf. This reinvestigation was resolved on XX/XX/2021. During our reinvestigation, XXXX removed dismissed bankruptcy records case numbers XXXX, XXXX, XXXX, and XXXX from consumer reports prepared by XXXX XXXX XXXX XXXX XXXX. A resolution letter outlining these results along with an updated consumer report was mailed to XXXX XXXX 
XXXX directly for his review.
Product: Credit reporting

I am submitting this dispute about transunion credit reporting agency. I have been disputing a few things on my credit report and they just keep updating the information I am disputing. This is completely incorrect. My first complaint is a XXXX account that is reporting with a XXXX balance but showing charged off to a bad debt. This is wrong. The balance is XXXX however the remarks " charged off to a bad debt is wrong ''. I contacted transunion quiet a few times to dispute this and the rep told me that the furnisher did not respond within the 30-45 days they had. I explained by the fcra laws then it is to be deleted. I was assured it would be deleted. However it 's still reporting and was never deleted. My second complaint is XXXX acct # XXXX is listing XXXX seperate loans. I NEVER had a loan with them in the amount of {$860.00}. This amount has been combined with my XXXX loan I had with them. I contacted the better business berauou in regards to this and received a response that the bank did not respond back to them. I tried to contact transunion again today XXXX/XXXX/2017 and again was given the run around. I ca n't seem to have this wrong information corrected. There are also negative remarks that are reporting on my transunion credit report which again I was told they would be removed. Still not removed. Having this incorrect wrong information reporting on my credit report is affecting me in obtaining credit. I wish to submit this complaint about transunion credit reporting company as they are causing me a hardship in obtaining credit. Plus I never received an updated credit report as I was promised last month.
Product: Money transfer, virtual currency, or money service

This company is horrible. They disconnected my banking information for no reason and has not allowed me to change it. 
This has resulted in late fees and charges that could have been avoided. I try calling and emailing and get no response! It's like they DON 'T want you to be able to change your info to get your balance paid. They refuse to allow me to change it to get this paid and it has become adverse on my credit reports. This has been going on for MONTHS. Can someone from this company PLEASE CALL ME. I simply want to pay my balance, PLEASE.
Product: Student loan

Without my approval, on XX/XX/XXXX 2024, MOHELA placed my student loans into an in school deferment and then a forbearance, capitalizing {$17000.00} in interest. This happened the same date MOHELA notified me that they were transitioning to the new .gov servicing platform. 
At the time, I was in school, however MOHELA had on file an in school deferment waiver that was effective XX/XX/XXXX2024. When I called MOHELA did confirm that they had the waiver on file, and they agreed to remove the deferment. 
After my call, the in school deferment was changed to a forbearance and then eventually removed on XX/XX/XXXX24. When his happened MOHLEA capitalized XXXX in interest. I have been trying and trying, unsuccessfully for months to work with MOHELA to have this corrected. 

I have attached a copy of the deferment waiver, the notices that the platform was transitioning, and that my loans were placed into an in school deferment, and statements showing the {$17000.00} that was capitalized on XX/XX/XXXX24.
Product: Debt collection

on XX/XX/year> Wakefield and associates attached a collection for {$550.00} to my credit report that belonged to someone else who lives in Virginia I live in XXXX  with a different last name. They added my DOB my SS #, his address his past employment to my record by arbitrarily and maliciously putting my information on a colection that does not belong to me. I am a XXXX credit score XXXX  and this has been a big problem
Product: Checking or savings account

On XX/XX/XXXX XXXX I was notified of an unrecognized transaction on my Ally bank statement. 

Some one had use my card info on XXXX and charged my debit card {$400.00}. It did not happen from my actual XXXX account and I have no idea who got access to my card or how it even happened. 

Once I realized this happened I contacted my bank directly explaining the issue. I was told to file a dispute and that it would take 10 days to hear back. Yesterday I got the letter from my bank stating since it was a third party transaction I needed to reach out to XXXX regarding the situation. But when contacting XXXX, they told me to contact my bank. 

So no one seems to be held liable to this fraudulent charge meanwhile I am out {$400.00} and had to get an entire new bank card while this scammer gets to roam free with MY money. I don't understand how neither the bank nor XXXX is liable to protect me or my funds.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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 I looked at my Experian credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started a dispute with XXXX stating that the contract was canceled with this company and there is no longer a contract due to the item being charged off and written off. The results were " item has been updated '' with no explanation to what was updated from XXXX XXXX.
Product: Credit card or prepaid card

in XX/XX/2019 i received my barclays uber credit card statement there were charges of XXXX i called the customer service to report that i had no idea what these charges were.

barclays closed my account took a fraud report and issued a new card.

On XX/XX/XXXX i got a letter from barclays that the charges were mine i called barclays and they said XXXX provide info that i made these charges i explained that i didn't know what the charges were then asked barclays to provide me with lifts explanation of why these fraud charges were mine Barclays said they were finished and i could not put it back in dispute that now i had to deal with XXXX. Why should i deal with XXXX  when my barclays issued credit card was used fraudenty i am being charged for something i did not receive and for me to contact XXXX  with any info that i know nothing about is crazy and how can u get in charge with them there is no corporate phone for them.
Product: Mortgage

On  XX/XX/XXXX  our home located in  XXXX   XXXX , GA was heavily damaged due to hurricane  XXXX . The house was flooded, a large tree fell on the roof causing it to cave in and bricks were also torn away. The homeowner 's insurance is issued through  XXXX   XXXX   XXXX  and the insurance adjustor was sent to inspect the property. They issued us a check in the amount of {$58000.00} made payable to the home owners and Bank of America the mortgage holder. Because of the amount of the check, it was endorsed by home owners and mailed to  BofA Insurance Processing Center  to be sent in increments for repairs to the home. We received a check in the amount of {$20000.00} on  XX/XX/XXXX  and a check for {$20000.00} on XX/XX/XXXX . After each chec k BofA  has sent someone out to inspect the home to be sure all repairs are completed. We are now waiting on the final installment to complete work so property can be put on market for rental. We have been in contact with Bank of America since  XX/XX/XXXX  and have sent all requested information but they will not release final payment and has not given any legitimated reason as to why the check has not been mailed. The last fax on information requested was sent to  XXXX   XXXX  on  XX/XX/XXXX .
Product: Student loan

I submitted a Public Service Loan Forgiveness application under the temporary waiver in XX/XX/XXXX, a year and a half ago, after consolidating my loans as instructed. It indicated a little more than 10 years of service that had already happened with the Consumer Financial Protection Bureau, during which time I made monthly payments on my loans ( Ive actually worked XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I was told it might be easier to just submit a certification from them ). My servicer after the consolidation was XXXX XXXX XXXX, and the loan was transferred to MOHELA in XXXX XXXXXXXX. I have heard back and they are counting my qualifying payments going forward, but not giving me credit for the 10 years that I already put in, which they should under the waiver. When I contact them, I get different responses, but the main one is that they need to have the Dept. of Ed. ( XXXX  ) update them with the correct crediting, but that never happens. I think my application has fallen through the cracks or an incorrect determination was made, and nobody is looking at it now. I can get no information about the current status of any review, which I don't think is happening, though some MOHELA agents have said so. 

I was originally sent, in the normal time frame, a letter saying that I didnt qualify, but I was told to ignore that because the Dept. of Ed. would then review and give me credit, which is what the MOHELA agents also tell me. I have contacted my servicer ( s ) about 10 or 15 times, and Ive submitted a complaint to the Dept. of Ed. twice ( still waiting to hear back from the second ). The response from my first complaint was that I should contact my servicer and they dont respond unless theres a case, which I took to mean I had to sue them (!? ). The general loan forbearance is about to end, and I may soon have to start making payments on a loan that should have been forgiven long ago. I have paid close to {$40000.00} over the years, and I would like to avoid having to continue to pay my student loans into retirement in a couple years.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  XXXX Account XXXX Account Name : XXXX XXXX XXXXXXXX Account XXXX Account Name : XXXX  XXXX Account XXXX Account Name XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I applied for the XXXXXXXX XXXX XXXX with the promise of getting {$100.00} for spending {$1000.00} in the first three billing cycles. I have not received it. I called them and they are saying that when I applied for the card there was no promotion at that time. I would not have applied for this credit card if not for this benefit. I have the wells fargo active cash back credit card. That card offers 2 % cash back on all purchases. I am also a XXXX XXXX pass holder. All other benefits of the XXXX card are useless to me because of the annual pass and the XXXX XXXX card. There are claiming that no such promotion was given at the time, but then I wouldn't have applied for the card. Nor would I have spent the prerequisite XXXX in XXXX billing cycles. That money would have been given at a higher percentage with my other credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and this fraudulent XXXX XXXX account has been removed and resubmitted today. This fraudulent account has does not belong to me and I never had a contract or account with XXXX  XXXX. this fraudulent account is putting me in financial ruin and ruining my chances at getting a mortgage
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised by student aid that my identity was compromise, and use to access my account. As a result, they did suspend my account and currently I do not own a student aid account. I have disputed this information multiple times, and attached the verifying email that was sent to me. 

XXXX servicing has not remove these accounts, which came from no transactions, made by me with my Social Security number I have been a victim of identity fraud multiple times.
Product: Credit card

Nordstroms is illegally reporting my account as over 180 days late on an account that was never late. I filled a chapter XXXX bankruptcy and Nordstroms closed my account and would not take anymore payments from me. I called them and they told me they legally could not take a payment from me after filling bankruptcy. My account was never late before the filling and should not be reported as late now. I 've attempted twice to contest this and they fail to act. Nordstroms also reports XXXX different statuses on the XXXX credit reporting agencies. XXXX shows ; open, 180 late, reporting monthly. XXXX shows ; closed, late, not reporting anymore. XXXX is showing ; closed, 180 days late and reporting monthly.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/XXXX to XX/XX/XXXX there has been several hard inquires that I did not authorize and they refuse to validate the applications and remove if no application for credit is verified. I have attached 2 examples where these hard inquires have not be accurately verified and validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the bank to get a business loan for my restaurant and was not able to get approved. I was told where I can go and pull a copy of my report and I see other people accounts on my credit. Can you guys please remove these accounts so I can get the loan needed to get equipment. XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX AND XXXX XXXX. I have contacted the FTC and the police.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach. As a result, I request that the following accounts and inquiries be immediately blocked and deleted from my credit report, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were unauthorized and should not be listed on my credit report. 
Accounts : XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$28000.00} XXXX. XXXX XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$660.00} XXXX. XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$800.00} Inquiries : XXXX. XXXX XXXX  o Date : XX/XX/XXXXXXXX XXXX XXXX XXXX o Date : XX/XX/XXXX XXXX XXXX XXXX o Date : XX/XX/XXXX XXXX. XXXX o Date : XX/XX/XXXXXXXX XXXX XXXX XXXX o Date : XX/XX/XXXX XXXX XXXX XXXX o Date : XX/XX/XXXX