23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I have Reached out numerous of times in regards of this claim that have yet to get resolved. 

Failing to send you notifications Your creditor must not supply information to a CRA that it knows ( or should know ) is inaccurate. That includes reporting a debt as charged-off when you settled it or paid misstating the balance due Mixed Files Debt Dispute Violations correct or delete any inaccurate, incomplete, or unverifiable information within 30 days ( or 45 days in some cases ) NO MORE TIME THEN THAT TIME FRAME notify every involved that you dispute the debt Privacy Violations CRAs can not release your credit report to just anybody. 

The right to dispute inaccurate/incomplete information Any inaccurate or incomplete information found in your credit file that is reported to a CRA must be thoroughly investigated by the agency.
Product: Payday loan, title loan, or personal loan

XXXX I applied for a loan from Wells Fargo. line of credit. They denied me. My consumer rights where violated. 15 USC 1692k, 15 USC 1691, 15 USC 1642. 15 USC 1681m and 12 cfr 1002 because I the consumer made a application in good faith but credit was not issued. furthermore because my ssn was used and I received no benefit this proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Wells Fargo. also by accepting my application they have created a fiduciary obligation for the trust, by not extending credit 18 USC 3333 XXXX XXXX XXXX XXXX, also by denying my application they violated the consumer bill of rights : Access to basic basic essential goods ands services. they are also in violation of! 2 usc code 1431. civil rights violations as well 42 USC 1983, 1985,1986,1988.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act XXXX XXXXXXXX of XXXX XXXX XXXX account # XXXX 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 also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

Caliber Home Loans offered a short-term, interest only modification and is refusing to break down the required up front cash contribution of {$2600.00}. This up front contribution is cost prohibitive for the borrower to accept the modification. Caliber is telling me they could change the contribution into a three-month trial period plan if the foreclosure sale, scheduled for XXXX XXXX, were postponed out 90 days. This is absurd. Caliber should offer an affordable trial period plan and if need be, they should postpone the sale 90 days to allow for the modification to be successful.
Product: Debt collection

I contacted them on various occasions with out getting any results, I wrote and sent certified latter to them on XX/XX/XXXX and XX/XX/XXXX with out getting any results. They are claiming that I have a delinquent account with them witch is not true, the contract sent by them do not have my signature.
Product: Credit reporting, credit repair services, 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. 

XXXXXXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX # XXXX 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: Student loan

In 2017, I enrolled in a Public Service Loan Forgiveness Program through XXXX. I have made monthly payments for the past two years. On Friday I spoke with someone from the XXXX and was told that no payment has been made on my outstanding balances for over a year. I have no idea of where that money has been going. I emailed the contact person I had with XXXX and have yet to receive a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : # XXXX XXXX XXXX XXXX XXXX {$310.00}. XX/XX/XXXX Account name : #, XXXX XXXX XX/XX/XXXX {$260.00}. 
Account name : #, XXXX XXXX  XX/XX/XXXX Account name : # XXXX XXXX XX/XX/XXXX {$280.00} Account name : # XXXX. XX/XX/XXXX {$95.00} Account name : # XXXX XXXX XX/XX/XXXX {$870.00} 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 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

XX/XX/XXXX someone called my credit card company changed all of my information to theirs, therefore I get a notification from the credit card company that I have updated all of my information, I then attempt to log into my account and see what's going on and I am now locked out. I called the credit card company tell them what's going on that someone has changed my information and is now trying to pay the bill through my debit card which is linked to that credit card for payments and they are slowly wiping my bank account out after asking for a larger credit limit, they then asked me to verify the address that's on file and since I can not because it has been stolen and changed therefore they will not allow me to close my account they keep telling me to email a copy of my driver 's license so I can verify who I am I email requested document 27 times just for them to tell me that they don't have it. I have done nothing but fight this situation trying to prove who I am and it is like there's no common sense with the credit card company that the account had been in Florida since the creation of it and then all the sudden within hours I'm in Tennessee it makes no sense, I told them multiple times someone had changed my information and is now using my card I spoke with seven different reps and ended up in tears at the end of each conversation because no one would help me, to this day I have no idea if they closed my account or if someone else is continuously spending on it. I then just had to get in touch with my bank and had them block this merchant from any future attempts from my debit account, this is been one of the biggest nightmares in my life
Product: Credit card

I received an email stating that my Best Buy credit card through Citibank would be closed due to inactivity. To keep the account open, I went online and pre-ordered a dvd for around {$30.00}. I received the dvd at my current mailing address but never received a billing statement. Approximately 5 months later I receive an email from XXXX XXXX stating that I have a past due balance on one of my accounts. I immediately start to investigate and see that it is now a {$180.00} bill on my {$30.00} purchase from Best Buy. I call to try to make a payment and reduce the late fees seeing as how I never received a billing statement, email or voicemail even though they were able to contact me to let me know that my account would be closed for inactivity a few months before. After numerous calls and attempts to rectify the situation I am repeatedly told that they can only wave XXXX late fee, if I bring my account to current. After continually asking for someone who can make a pay off decision, hear my complaint and deal with the situation, I am transferred and redirected numerous times. No manager can take my call and no employee can deviate from the XXXX late fee removal policy. Nor can they say anything that actually deals with the situation besides repeating themselves over and over again. I have made many large purchases with my Best Buy card in the past and never had a late fee. I have a Sears credit card through Citibank and have no issues there either. In an effort to not continue late fees on a {$30.00} movie purchase I take the XXXX late fee removal and pay off the account at {$140.00}. I am waiting to hear back from a manager to see if they can resolve this issue in any way.
Product: Credit card

My login has been compromised and I lost so much money. I never used cash app and not too familiar with it. Some how the money was transferred from savings to checking to debit to cash app. I was told the notification was turned off, and that results in not receiving any notification about the transfer. I contacted bank, and they told me to contact Cash App, since all the money was transferred to them. I contacted Cash App customer service, and was told that I can file the dispute. After Cash App found out the amount that was transferred, they told me its not there problem and they can not help me with the dispute. Customer service told me that all the transactions were approved by me. ( I never had the App on my phone and I don't understand how they can say that it is approved by me ). Many transactions took place in the middle of the night or an early morning. She said, if you think this was fraud than you need to file a police report. I contacted police department and reported the fraud. ( I can provide the police report number if needed ). After going through the bank statement with police officer, we found out almost {$8000.00} was gone. Cash App told me that my dispute is denied and they can not help me anymore. 3 times customer service hang up on me. Every single time I contacted, I wrote down the name of the person I spoke with. I asked, if they could transfer me to supervisor, I was told sorry we don't have supervisor here. When I ask for the corporate office number that person hang up on me again. I am not working and disable from my car accident. All I can say Cash App has very poor customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. GM FINANCIAL is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( GM FINANCIAL XXXX )
Product: Credit card or prepaid card

I have had a Lowe 's ( XXXX XXXX ) Store credit card for over two years. Never been late, always paid on time or paid my whole balance off, etc. I always had a credit limit of {$2400.00}. All of a sudden on XXXX XXXX, XXXX, they lowered my credit limit to {$100.00} and reported me " late '' to the credit bureaus. I was not late. I made a return that canceled out the balance due on my card. Lowe 's charged me {$1.00} interest for that month, but I did n't know it. I never got a statement for XXXX. It was during Hurricane Irma. I live in XXXX florida. Mail was lost, we were without power for 2 weeks. No internet, etc. So it is understandable that the bill got lost. However, I figured that I did n't have anything due because of my return. I never received a statement for XXXX XXXX either, but I am applying for a mortgage and the lender told me Lowe 's had flagged my account for 30-60 days past due! I logged into their website and they charged me a {$25.00} late fee for not paying the {$1.00} interest on a ZERO balance and then they decreased my credit limit by {$2300.00}. Abolutely UNACCEPTABLE. Now I can not get my mortgage until this is cleared up. I called and did online chat with two different people today. The last representative told me that it was Lowe 's error, they were removing one of the late fees and he was sorry but that is their policy to charge {$1.00} a month even if you have a zero balance currently if you had anything on the card at all during the month. Is that even legal? Can you charge someone {$1.00} interest on zero dollars???!! All of this After I received an email from Synchrony stating that no late fees would be charged to victims of Hurricane Irma because they " care about their customers. '' I figured I did n't need it because I did n't carry a balance over. Guess I was wrong because they charged me a {$25.00} late fee for their {$1.00} in interest on a {$0.00} balance. What a load of XXXX!!!
Product: Mortgage

This is my SECOND complain exactly on the same issue. XX/XX/XXXX after filing my my original complaint Bank of America agreed and " corrected '' the problem until XXXX XXXX when the exact same TEN DAY HOLD issue started again XXXX I have a large XXXX Mortgage " Line of Credit '' with Bank of America. Whenever I make a loan payment over {$5000.00} ( which I do often ) BoA places an automatic TEN business DAY HOLD on each payment EVEN if my payment is made by a Federal Wire Transfer and even on my business checks written from Bank of America on the grounds that they unilaterally determined that any payment over {$5000.00} is " suspicious '' EVEN wire transfers and checks drawn on their own bank. Given the definition of a " Line of Credit '' typically involves a certain velocity velocity for large payments and withdrawals. TEN DAY HOLD is simply stupid
Product: Mortgage

We applied for a mortgage and were preapproved XX/XX/XXXX. All required documents including 2 years tax returns were submitted at that time. We put our house up for sale and got it under contract and made an offer on a house and got it under contract. The house we want to purchase is XXXX below the amount we were approved for. My Quicken Loans rep called me today to inform me that after looking at my returns more closely they would not be able to move forward with the loan. We are now going to be homeless. We have XXXX+ credit scores and have XXXX % to put down. This is wrong. These companies should not be allowed to do this to people.
Product: Mortgage

I signed a contract with 21St Mortgage Corporation on XXXX XXXX, for a Mortgage loan of {$63000.00}, at 7.25 % of interest rate, and to be paid in XXXX monthly installments. I paid off this mortgage on XXXX/XXXX/XXXX. After checking my payments I noticed that the interest I have being paying is 8.02, a difference of 0.77 %. I called 21St Century on XXXX/XXXX/XXXX, and they told me that the interest I have being charged is OK., everything is under the contract, and not refund should be done. I know that 's not right, and that a refund must be done to my favor.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX during XXXX I filed an application with Planet Home Lending LLC to put my loan in forbearance due to loss wages and time off work due to XXXX. I submitted the application to Planet Home Lending XXXX, they stated my loan payments that I would miss would be added to the back of my loan when the forbearance was over. In XX/XX/XXXX I sold my home. The loan was paid off in FULL. 
In XX/XX/XXXX I applied for another FHA loan and was denied as my credit report showed Planet Home Lending reporting my mortgage 120 days late. I contacted PHL immediately and stated I was in a forbearance program with XXXX XXXX when I owned the home, the representative stated they didn't process my application until XX/XX/XXXX there for I was considered late. I argued my point that I submitted the application in XXXX but got nowhere with PHL. I gave up on getting a mortgage in XX/XX/XXXX as PHL would not remove the XXXX late on my report. I was advised by a lender to wait and apply after the XXXX late was over 12 months old to avoid the stress of fighting with PHL. 
XX/XX/XXXX i applied with rocket mortgage for a FHA loan to purchase a new home. I was told that Planet Home Lending last reported me being late on my credit report on XX/XX/XXXX. I sold my home XX/XX/XXXX!!! I called Planet Home Lending XX/XX/XXXX and they cant even find my old mortgage in their system to even discuss the issue with me. I was advised to send by mail a complaint to them. I was told there is no phone number to talk to anyone about this issue that it had to be done by mail. 
I am now in jeopardy again of not qualifying for a mortgage because of this lender. This is a HUGE mistake on my credit report that is affecting my credit score and my eligibility for another FHA mortgage. I need your help in getting this resolved. Even if they wont remove the 120 day late, ( still not my fault as I was told I was in forbearance ) they should at least be required at a minimum to report it correctly on my report. It SHOULD NOT say XX/XX/XXXX as I sold my home in XX/XX/XXXX and the escrow company paid my mortgage off in XX/XX/XXXX. 
PLEASE HELP! 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MT XXXX XXXX XXXX
Product: Vehicle loan or lease

Due to a messy divorce I had to take a terrible loan with credit acceptance Corp. it was not my plan to stay with them very long but then the pandemic hit a few months after purchasing the vehicle. I am paying my loan even through the struggles and have requested that they do not report me late and they are reporting me late for the last four months and it is hurting my credit
Product: Checking or savings account

Wells Fargo has been reordering my transactions on my account for the last XXXX years in order to charge overdraft fees. They do this unlawful process by reordering transactions which were already cleared or were never showing to be pending but having them clear the next day. Since their system is always updating, it has to be seen in real time occurring the night before and take screenshots as they make the transition appear as business as usual for an already overdraft account. Wells Fargo will also continue to try and take money on fees from my account thats already $ XXXX {$400.00} overdrafted as this can be classified unsolicited predatory lending to be hit with an overdraft on items you never authorized Wells Fargo to pay. They do not have a system that shuts down transactions from an empty bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I paid debt in the amount of {$170.00} in full. Paragon revenue group in XXXX XXXX XXXX  in XXXX nc. stated it would be removed from all 3 credit bureaus in two to 4 weeks. Or 30 days, however in some cases it can take up to 45. It is XX/XX/XXXX. 4 months later and the payoff is not reflecting. The debt still shows open and reporting to the 3 bureaus. When I called them back I had to leave a message on Friday, XX/XX/XXXX at XXXX et because I was told the collections ladies were not available. I received a call on Monday XXXX XXXXand but had missed it and called back. I stated I missed a call and the man said hold on and transferred me. A lady then picked up and harshly said hello and argued with me for a couple minutes about how I had told her she had the wrong number. I did not have this conversation since she repeated the number she dialed back to me and it was indeed wrong. She then proceeded to state it's up to the credit bureaus to remove the negative reporting and they had requested it once and sometimes it takes many requests to have it removed. Paragon has a due diligence to ensure this is removed from the credit bureaus.
Product: Student loan

XXXX has committed fraud and falsified legal documents relating to student loan wage garnishment. A garnishment appeal was submitted to the deb collector Delta Management Associates who contracted with XXXX to make a judgement regarding my appeal. 

XXXX  is unable to do simple math and/or they failed to look at my pay stub for the correct information. Either way, XXXX has has committed gross incompetence, placing a financial burden on the debtor. 

The pay stub clearly shows a wage garnishment of {$320.00} per pay period. However, XXXX states in their appeal ruling that the wage garnishment is {$160.00} ; therefore, the incorrect number was used to calculate disposable income, which was used to deny my appeal. 

In addition, XXXX  lies about sending the Notification of Written Administrative Hearing to my correct address in a timely manner. A copy of the Notification of Written Administrative Hearing show an incorrect address, which XXXX representative XXXX XXXX accused Delta Management Associates of providing XXXX the incorrect address. 

Furthermore, XXXX  is motivated to rule in favor of Delta Management Associates in order to maintain selection by the debt collector and continue their revenue flow. 

The wage garnishment of XXXX is {$2.00} per pay period based on my income and expenses yet XXXX fails to implement the same standard in calculating the garnishment amount based on my financial situation. 

Furthermore, XXXX did not take into consideration my extenuating circumstances regarding my father 's death ( a certified Death Certificate was included with the appeal ) and my brother 's SSI XXXX. 

I request XXXX to reduce the wage garnishment in accordance with the law to match the same wage garnishment as XXXX  retroactive to XX/XX/2019, and order repayment of {$3500.00} to me from Delta Management Associates. 

In addition, I request the California AG investigate XXXX for predatory business practices and kickbacks from Delta Management Associates for ruling in favor of the debt collectors while using incorrect dollar amounts in their calculations.
Product: Credit card

I received fraud alert on XX/XX/23 via text. At that time I responded I do not approve the transaction as it was not known or authorized. My card was placed on hold and I was unable to use it. I called Barclay on the next business day to report the charge as well as 2 others I found not authorized. I also flagged the charges online. 
When I spoke directly to the fraud department about a week later they said there was no record of reported fraud although they did see a mistake was made that I declined authorization of purchase that was posted to my account 48 hours after card was placed on hold. I went through the entire process of reporting again and was assured it would be thoroughly investigated and result provided in XXXX statement cycles. I called the fraud department two more times ( after about 2 months ) and was given no updated information and told they had 90 days to resolve it so I would have to wait. I have accrued finance charges on the purchases that totaled about {$1500.00} ( total fir 3 purchases ). It is now well past the 90 days and there is no resolution and I have reviewed zero communication from Barclay concerning the fraudulent activity.