23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I am a XXXX XXXX XXXX grandmother who has an account with Wellsfargo bank. My grandson help me open my account so i could pay some small bills. This account had some terms that required me to have the minimum requirements to avoid any fees for the account. XXXX is to have a minimum balance of {$1500.00}, or have a direct deposit of {$500.00}, or have XXXX transactions per month on my account to avoid any fees for this account. I do n't have direct deposit nor do i have {$1500.00} on my account, so i relay on spending XXXX transactions on my account with my debit card. This past month i was charged with a {$10.00} fee due to having XXXX transactions instead of XXXX. However, when i called they mention my account statement cycle changes every month and that I did n't meet the minimum requires for this month since XXXX has 31 days. When we open the account they mention i only needed to have XXXX transactions within one calendar month. This sounds like a unfair practice as every month changes days. It also sounds like an abusive practice since i am on limited income and they want to take {$10.00} from my account. It also sounds like a abusive practice and they do n't want to refund this fee. I need some assistance with this matter.
Product: Debt collection

I have an unverified account from DEBT CREDIT SVCS. I had previously disputed this account. I have never done business with DEBT CREDIT SVCS. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that DEBT CREDIT SVCS Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that DEBT CREDIT SVCS Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Debt collection

When the debt collector contacted me, she was extremely rude. I have asked several times for someone to explain this debt and how I owe it. They refuse to tell me where how I owe this debt. They are extremely unreasonable and I ca n't get any information when I speak with them. They just yell at me to just pay it. I need information on why I owe this amount
Product: Credit reporting, credit repair services, or other personal consumer reports

ID FOR COMPLAINT SENT TO TRANSUNION XXXX File a previous complaint with this company and those issues were not resolved. I called in and spoke with two different representatives who stated that they were in a foreign country and they handle all disputes the same. I'm not trying to get over on anyone or deny any wrong doing on my behalf, but my Transunion credit report has several errors still and disputing for almost a year. I've contacted and had success with the only two major credit reporting agencies. I've submitted all the documents pertaining to my case and every time i was ignored or it came back verified. Please look into this, i will attach proof of cooperation from the other bureaus as well as letters that i sent in to Transunion before.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX refuse to put correct credit history on my Trans Union credit report. My credit history is 5 years and 3 months but Trans Union only sending in 9 months. That is incorrect information.
Product: Student loan

I completed an XXXX XXXX XXXX XXXX on XXXX on XX/XX/year>. I am requesting to be moved from the SAVE plan to the PAYE plan. MOHELA emailed me on XX/XX/year> to inform me they received my application. According to XXXX, MOHELA should have placed me into a processing forbearance for up to 60 days while they process my application. The processing forbearance would be eligible for XXXX. I am requesting that MOHELA place me into a processing forbearance that is effective as of XX/XX/year>.
Product: Debt collection

I have a zombie second mortgage I'm being sued for in the county I live it. The property went into default in XXXX and it was foreclosed on in XXXX. I was evicted from the property and have not heard anything on this debt from XXXX. I have since moved on and was not aware of this debt. It was removed from my credit history and I have been able to rebuild my credit and purchase a new home. 

The suit claims it is with Citizens Bank NA. Even though I was working with XXXX XXXX at the time to refinance the mortgage. However, in XXXX I received a car loan from that same bank. They didn't flag my information at that time to inform me that I owed Citizens bank NA. 

I though this mortgage crisis was behind all of us. The banks got away with it. None of them when to jail for mortgage fraud or predatory lending. The servicers didn't work with borrowers in good faith at the time of this crisis. So much for HAMP and 2MP. The banks get the bail out and we still have to deal with the mess 14 years later.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries and debts tied to a address is never lived at and when I reach out to trans union XXXX and Especially XXXX about the issue they say the debt or inquiries is valid yet the personal info such as social Security number and name and address is incorrect and it's like they don't care to clear it up hard Inquiries on accounts I already have so why would I apply for them again but they don't seem to see the issue it feels like a scam honestly
Product: Mortgage

Good day! 
I am seeking help from CFPB as numerous attempts of calling our mortgage company has not resolved our issue. Considering this as fraudulent, unfair and deceptive practices towards consumers. 

We received tax form XXXX Cancellation of Debt from XXXX XXXX for calendar year 2022. We were initially with Freedom Mortgage and entered in a government offered COVID relief forbearance during the pandemic. After the relief period ended, the lender stated put the total amount due as deferred balance on our loan. Our mortgage was then transferred to XXXX XXXX as of XX/XX/2022. On the mortgage statement with XXXX XXXX reflects the deferred balance which matches the amount on XXXX. 
My question is why would we received a XXXX cancellation of debt when our mortgage statement still shows the amount owed as deferred balance? This amount is not cancelled nor forgiven. 
We have reached out to XXXX XXXX - response received was to reach out to Lender directly. We reached out to XXXX XXXX- no resolution - response received to reach out previous lender. We reached out to Freedom Mortgage- escalated issue thrice- no resolution to this matter. 
We are to file taxes for 2022, and we can not file the taxes unless we are clear on this matter. In my understanding, XXXX cancellation of debt is considered as income - and in this case, debt is not cancelled if it is appearing as deferred balance on our mortgage statement which we still owe. If this debt in actuality is cancelled, we need the deferred balance to be removed from our mortgage and confirmation of the same OR if the debt is not cancelled then a letter confirming that XXXX was sent in error. 
There are significant number of homeowners who were affected and were able to save their homes during pandemic due to help from the Government. Looking into this matter, finding a resolution and clear understanding would assist us and all who were impacted. 
We are requesting help and appreciate your review in this matter. 

Thank you Respectfully. 

Regards.
Product: Student loan

Navient has misapplied my payment in the month of XXXX, XXXX & XXXX. I have been working with them since XXXX to get the payments corrected. As of this time they still have been unable to fix my accounts. My complaint has made its way to the office of customer advocates which I was told is the final level of account escalation with Navient. I do n't know where else to turn for help.
Product: Debt collection

I repeatedly being harassed over the phone, debt collector gained access to my PII through rental abuser  who is continuing their stalking  unexplained. I paid rent on time until rental property at XXXX XXXX decided to sell the property and was forcing tenants to sign new contracts.
Product: Credit card or prepaid card

I have a Bank of America credit card that had fraudulent charges from XX/XX/2022 - XX/XX/2022 for a total of {$520.00} : XX/XX/2022 : XXXX XX/XX/2022 : XXXX XX/XX/2022 : XXXX XX/XX/2022 : XXXX XX/XX/2022 : XXXX XX/XX/2022 : XXXX XX/XX/2022 : XXXX On XX/XX/2022, I froze the card through the Bank of America app and called them to inform them of the fraud. However, I got a letter dated XX/XX/2022 that informed me that my claim was denied since my chip was read, which is not possible as I keep this card in a drawer at home and it has never left my apartment this year. It's also odd to me that it was rejected as I first noticed the fraud as a result of a Bank of America notification informing me of unusual activity.
Product: Credit card

OK THERE WERE TWO ACCOUNTS WITH XXXX, ACCOUNT # XXXX & XXXX THAT WERE. FRAUD AND I DID NOT APPLY FOR THESE ACCOUNT. THERE IS ALSO A CAPITAL ONE CREDIT CARD FOR THE AMOUNT OF {$1400.00} THAT WAS FRAUD TOO I NEED THESE ACCOUNT REMOVED AND DELETED FROM MY CREDIT FILE AS THEY ARE FRAUD NOW THERE IS AN INQUIRY ON MY REPORT AS OF XX/XX/year> WITH XXXX XXXX DID NOT APPLY FOR THIS EITHER I HAVE PUT A SECURITY FREEZE ON MY ACCOUNT
Product: Credit reporting or other personal consumer reports

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following fraudulent account and inquiries from my credit report. I am a victim of a data breach, and these entries are the result of identity theft. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent accounts resulting from identity theft blocked and removed from my credit file. 
Fraudulent Account : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Stop reporting me late I do not have an arrangement with you, nor do I make payment to you.

This account is in dispute I do not owe these people this type of money.

his companies is reporting me late to the credit bureau and I am being refused credit because of them. This account is old and in dispute I do not have a payment arrangement nor a payback or anything because I do not owe them anything.

What right do they have to continue to report me late for the sole purpose of discrediting my integrity? I have not had this account for many years, and it is closed why are they still able to report me as being late. The company is a fraud a prey on poor people why would you repo a car and take it back after 1 missed payment and sell it for XXXX and the car was 2 months old. It is all a scan to make poor people worse that it. I do not owe them this kind of money. I ask you to get them to stop reporting me late for something I have no credit with.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent written correspondence via Certified U.S. mail to TD Auto Finance requesting that they delete inquiries on my credit reports ( XXXX, XXXX, and XXXX ) dated XX/XX/2021, considering that I did not authorize anyone employed at TD Auto Finance to make any inquiries, or view my credit report. This is a blatant violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, as I did not personally submit an application to TD Auto Finance bearing my signature.
Product: Vehicle loan or lease

I XXXX  my XXXX  in XX/XX/XXXX u just had a baby I contacted credit acceptance to apologize because I was going broke and soon to be homeless. But I would do my best to pay something ASAP. XX/XX/XXXX car was repossessed and I paid in XXXX for it to be returned to me. I was given small jobs here and there with making just enough to eat and get toiletries and then Coronavirus came and the world changed even more dramatically. Kids cant go out in public and I cant find work safe enough to not potentially bring home the virus. I still cant find consistency with employment safe enough to be around my kids. So Im waiting for fraud to be Lifted off my case so that I may be able to pay my back due payments and keep my car which may be my only home soon if the economy doesnt change and some kind of money doesnt come flowing through I am trying my best I do need the vehicle to continue to try so I just need a little help
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend disputed accounts, as Experian 's inaction violated federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been divorced for 15 plus years from ex wife. I completed a change of address to the Post Office and she did as well. This is and has been a strain on my current marriage and has been all the while the mail has been coming to my addresses. It was one of the reason I sold my home in XXXX, was due to the mail coming to the address. My current wife never felt the home was hers, after change over change to the home. Then we moved to another county in XXXX  and mail kept on coming. I felt it was just the mail being forwarded. We didn't do a forwarding address when I moved to XXXX  and mail continued to come with my EX 's name on it. It has been very troubling and disturbing to say the least. One of the credit bureaus has been using my credit to service 3rd party information with out my consent. This has been discouraging and troubling on so many levels of my personal mental state and marriage. I have attached one of the pieces of mail. The problem is that I wouldn't have known how to attempt to fix this if I had not been introduced to the world of credit on a higher level. I know there are others like me that have been taken advantage of or don't know how. You don't know what you don't know.
Product: Money transfers

I was convinced to transfer money to someone in return for products but have not heard from this person since. I believe it was a scam.
Product: Checking or savings account

Im willing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient available funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees.

This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions were settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Credit card or prepaid card

my initial credit limit was {$500.00}. I've never paid late or had any missed payments or went over my credit limit. The company DECREASED my credit limit down to {$100.00} on XX/XX/22. this affected my credit score because my balance was around {$80.00} at the time which made it look like i was close to maxing out my credit limit. it significantly dropped my credit score and usage amount due to the decreased credit limit. I submitted a verbal request for an increase and was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is showing information that doesn't belong to me. I have tried to have the items removed and have sent several letters to them to have the items remove
Product: Credit card

A woman named XXXX called claiming to be with TransWorld collections agency. This attempt to immediately go into payment, ask for my bank account or card numbers three times without following fair and correct legal debt collections practices is the reason for today 's report. 
" XXXX '' read a usual script. What was not normal was the immediate insistence that I give my checking account, abrupt requests for it, in urgency. This is indicative of a scam. 
Additionally, I have been in contact with XXXX XXXXXXXX and have spoken regarding my temporary ( hopefully ) XXXX.While not working, desperately want a career and my life back. So, when XXXX called and did not " attempt '' to understand as her script states, share WHICH company ( she then stated the name of a company of a closed card from years ago ) without my asking whom she represented, or, what debt but go immediately into asking for my payment information! This is not a fair and legal debt collection practice. 
XXXX in her script stated " this is a recorded call, and, an attempt to understand the needs of my status, attempt to collect a debt '', as read.. That is ok in fair debt collection regulations in the United States XXXX Next, " XXXX '' began by asking for my checking account details asking what payment will I be using? When I responded may I ask what you mean? What? 
What debt are you referring to? 
What company is this and what is this regarding, she stated a card ending in XXXX. While there may have been one ending in XXXX, that could be a scammer pulling up my information, as recently I have experienced personal data breached information as have many citizens in our global digital environment. In fact, the suspicions grew as I remained in good faith in contact with the card company, as I loved the company. 
I did speak with the debtor as shared above, and, have in many times in the past shared already why this is closed, even worked with their staff personally, as I really loved that company. 
Therefore, while there may be an outstanding debt and hopefully this was TransWorld, yet sincerely doubt it. The woman calling herself " XXXX '' continued to keep asking for payment information three times prior to actually listening to understand, as stated in the script. The number does not come up as TransWorld.

So responding " what ''? " What do you mean? '' led to her asking again for my payment information, not to assist the consumer by sharing specifics of the debt to confirm legitimacy.

This is no compliant. If it was TransWorld there will be a recorded call.
Product: Credit card

In XXXX XXXX I requested a balance transfer in the amount of {$4500.00} ( 0 % APR till XXXX XXXX with 4 % one-time balance transfer fee ). It was approved by my Wells Fargo credit card and I paid {$180.00} balance transfer fee in XXXX XXXX. At that time I also had a balance of {$1700.00} as a result of my credit card purchases. In XXXX XXXX I made a payment in the amount of {$1800.00} to pay off my credit card purchases. I assumed that Wells Fargo would no longer charge me interest fees as I already paid for my purchases and for my balance transfer. In XXXX XXXX my balance was {$4200.00}. However, later I discovered that they were charging me interest fees. Overall during the next 4 months they charged me {$70.00} in interest fees. 
At the XX/XX/XXXX I called them and was assured that this is a mistake ( usually clients ' payments apply to a higher-interest balances ). They promised me to look into that again and fix everything within 3-4 business days. About a week later I called them again and they took completely different position. They told me that they divided my XXXX payment between my balance transfer and my purchases balance ; therefore, they charged me interest fees. I did not plan to pay my balance transfer in full or partially before XXXX XXXX. I only planned to make minimum payments. So, I am puzzled why they divided my XXXX payment and did not apply it to my purchases balance. I attached all my statements. Thank you, XXXX.
Product: Credit card or prepaid card

I have citi bank thank you premier credit card. Aft er one year charged me annual fee of {$95.00}. I am asking them to waive it and downgrade the card  so that I do not have to pay annual fee. They are saying it has to be within 30 days. I have not used card in the last 30 days and there is not other charge after this annual fee. This is fraud and wrongful way to extort money. It is very difficult to read and remember all fine print which is provided with a card. Would request your intervention. Also the membership fee was charged on  XXXX   XXXX  and today is  XXXX   XXXX  so it is not even 30 days.     Charge date :  XXXX   XXXX  Amount :  XXXX  Charge type : MEMBERSHIP FEE   XXXX   XXXX  -  XXXX   XXXX
Product: Credit reporting or other personal consumer reports

NARRATIVE After reviewing my credit report in 2024| noticed several unfamiliar accounts and a large loan I hadn't applied for. At first, I thought it was a mistake, but after contacting credit reporting agency, the truth hit someone had stolen my identity. The thief had used my personal information to open credit cards and rack up thousands in debt. I felt violated and overwhelmed, facing months of sorting through fraud claims and trying to repair my damaged credit. What seemed like a routine check turned into a nightmare of nancial recovery and stolen trust. Finally accounts were removed except this One in particular XXXX credit card, in the amount of XXXX dollars Account Number : XXXX thief created an falsified email, home address, phone number and also made payments to legitimizer the XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  A m o u n t : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX