23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

The Predatory Lender American First Finance was a lender I used to get a XXXX for around roughly {$1000.00}. I was set up for biweekly payments and made sure to make each payment full for 3 months. Assured by both parties ( XXXX XXXX XXXX American First Finance after calling ) that I was on track to pay everything off on time without any extra trouble. Today when I pulled up my account- it showed that I suddenly had a balanced owed of {$2500.00}, after making all of my Payments for 3 months. 


Its very unfair to me because I was ensured multiple times by both parties that I was enrolled and making payments at rate that ensured that the product would be paid off on time without paying triple of what I was expecting. There were also no emails or phone calls to inform me that this was going to happen.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct them immediately in my report : XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX **** XXXX {$0.00}
Product: Debt collection

I called Jefferson Capital and asked them to send me a settlement offer so I could pay the debt. They sent me to XXXX XXXX which offered me a settlement. I paid the amount that was given to me. The payment was received and an email was sent saying that my debt to Jefferson Capital was resolved. I asked transunion to remove the mark on my credit report and when they sent the dispute to ask them to remove it they stated it was still active as it was.
Product: Mortgage

I was in an APPROVED Forbearance plan with Caliber Home loans on XXXX Was told no forbearance non payments would be reported to the Credit Reporting bureaus during the time of forbearance. 
I was current on my mortgage payments before the forbearance began during the pandemic. 
When the forbearance ended on XXXX I was informed via mail that I was approved to have the forbearance amount go to the back of the mortgage loan. 
I was told via letter by Caliber that to bring my mortgage current, I must begin resuming normal payments on XXXX in order for the forbearance amount to be put at the back of the loan. 
I agreed. 
There was an increase in the monthly amount beginning XXXX. 
On XXXX my spouse called in to make the FULL Increased amount WITH PAYMENT VERIFICATION to bring the mortgage current and have the forbearance amount put at the back of the loan as Caliber advised me. 
Caliber then proceeded with out my knowledge to put the full payment made on XXXX to the XXXX. XXXX forbearance amount and then reported me to the 3 credit reporting as NOT paying my mortgage during the forbearance period and did NOT pay my regular payment for XX/XX/2022. 
What followed immediately was a total nightmare for my family.! 
My credit/fico score cratered from an XXXX to a XXXX within 24 hours.! 
XXXX XXXX XXXX XXXX XXXX was immediately closed down by the issuer advising me because of serious delinquency and derogatory public records they could not continue to do business with me.!! 
I am now being mailed statements requiring me to pay back the FULL forbearance amount and threatened with foreclosure of my residence.!! 
At this point I am beyond shocked and overwhelmed! 
Caliber ruined my credit, accepted my payment, and did not put it towards my current mortgage payment as they advised they would to bring the mortgage up to date.! 
They now demand that I pay back the forbearance amount and notified me of foreclosure on my home. 
I was locked out of my account even though I was told access would be restored when I made the first monthly payment. 
To date I am barred from accessing my mortgage account. 
My account has been turned over to Caliber 's loss mitigation. 
My spouse has called several times to date, each time waiting on the phone for over an hour. 
Each time its the same cold rhetoric, their systems have to be updated, and will not take responsibility for what they did.!! 
If their systems had to be " updated, '' according to XXXX in loss mitigation XXXX, on XXXX, why did Caliber report me before that update was made?? 
Why would they take the mortgage payment and put it as part of the forbearance repayment, and not advise me at the time of payment?? 
Not a thought for how they ruined me financially! 
In the mean time as Caliber systems are waiting to be " updated '', they reported me to the 3 credit bureaus and decimated my credit.!!

My XXXX XXXX XXXX credit card has been shut down and others will follow! 
I now face foreclosure on my home for doing exactly what was asked of me.!
Product: Credit reporting or other personal consumer reports

The late payments shown don't reflect my regular payment habits.
Product: Checking or savings account

On XX/XX/18, I received a call on my land line from a person who said that he was calling from XXXX to tell me that my XXXX  account had been " breached ''. I had received, the week before, on my XXXX, a pop up that said my XXXX account was almost full. I found that puzzling as I pay for that account monthly and I had never received a pop up like that, so I believed this really was a call from XXXX. At that point, after taking the call, I was transferred to a woman who said that she was an XXXX  technician, she had an XXXX XXXX accent and requested access to my computer using Go To Assist. I gave my permission. Once she had control of my computer she began showing me " evidence '' by way of colored charts, diagrams with moving data that she said were XXXX hackers who were at that moment hacking into my bank accounts. She also said that there was evidence of XXXX XXXX on my computer that the hackers were using and that if this was found on my computer it was a federal offense. She said that because of the seriousness of the situation she was going to have to transfer me to an XXXX security supervisor name XXXX. XXXX went on to tell me that these XXXX hackers had placed a " bad limit '' of {$11000.00} onto my credit cart and {$6000.00} on my debit card. He went on to tell me that in these cases XXXX uses " security license cards '' that I would need to buy but that I would be refunded fully by XXXX because the money needed to come in the form of cash or credit from me so as not to inform the hackers of that XXXX was involved in there whereabouts. The " security license cards '' ended up being XXXX XXXX XXXX which I had never heard of. I went to my ATM and withdrew {$2000.00}. XXXX told me that using this to buy the " security license cards '' in the form of the XXXX XXXX XXXX that he and his technicians would be able to shore up my debit account so that the hackers were unable to remove any more money. That day, when I thought this was a scam, I called Umpqua Bank and explained to them what I thought was a scam and placed a dispute onto the {$2000.00} withdraw which was denied a week later because Umpqua Bank said that I went there on my on volition.
Product: Student loan

Online outstanding balances are not updated to reflect accrued interest misleading borrowers regarding actual amount owed. Attended XXXX of Pennsylvania.
Product: Checking or savings account

unusual overdraft fees were noticed after a few months of my account being opened and they just kept stacking up unknowingly to myself that these fees were drastically egregiously overzealous
Product: Credit card

I was denied getting a loan because of a charge off account from Bank of America in XXXX reported by XXXX. This has caused me a set back and a lot of stress in my livelihood. I contacted Bank of America and they have no such account in their system what so ever. This is my second attempt to get this removed and nothing has been done at all. I demand that this account be removed from my credit report immediately as well as the following inquiries that were not made by me. Thank you 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

FTC The incident took place on XX/XX/2023. I discovered that my wallet was stolen. Immediately afterwards, I became involved in identity theft. Here is a brief timeline of what took place. Attached please find supporting documents. 


XX/XX/2023 - reported missing wallet. 

Missing Items : ( XXXX cards ) XXXX Debit card, XXXX Credit card, Drivers license and XXXX - XXXX XXXX XXXX card, designer wallet. 

XX/XX/2023 XXXX XXXX XXXX  An UNAUTHORIZED Transaction was made in the amount of {$13.00} in XXXX XXXX ( See attached statement ). I called Chase and Chase credited my account for {$13.00}. 

XX/XX/2023 - Called Chase and reported the following to the FRAUD department. 

An UNAUTHORIZED wire transfer that I did not make for {$10000.00} An UNAUTHORIZED wire transfer that I did not make for {$2500.00} Chase CREDITED my account for {$10000.00} ( see XXXX. stmt. ) Chase did not RETURN {$2500.00} to my account as of today. 

XX/XX/2023 - I am working with XXXX XXXX XXXX to resolve these matters. 

Chase accused me of being the thief instead of supporting me as a victim. I have not recovered {$2500.00} to date.
Product: Checking or savings account

On XX/XX/XXXX, I came into contact with people claiming to be a branch of the XXXX XXXX. The man I talked to identified himself as XXXX XXXX, phone no. XXXX. He claimed that I have been approved for a loan of {$2000.00} and would place the money in my checking account at the Bank of America. However they said that they required my bank account information and they would put some money into my account and if I sent it back, then I would receive the {$2000.00}. They did put over {$1400.00} in my account. I should have realized then but did not know that that they had done it fraudulently by writing checks from companies or organizations that I had dealt with. They told me I had to send the money back using a XXXX XXXX XXXX. Stupidly, I did that, but then they said that something went wrong and I had to do it again. They put more money in my account this time {$1400.00} from a religious organization I belong to. This organization had previously reimbursed me with a check for about {$15.00} from the XXXX XXXX XXXX and that is how the fraudsters had banking information about this organization. At this point, Bank of America suspected fraud and closed my checking and savings accounts. The money in the checking account including the {$1400.00} from the religious organization remains frozen. I have requested that the money be released so that I can return the money to the religious organization. I have informed the legitimate XXXX XXXX that someone impersonated them The XXXX XXXX assured me that they did not know who committed the fraud in their name.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. Identity theft has happened to me. I've attached a notarized Identity Theft Affidavit verifying that this report was indeed submitted by me. I did not authorize these requests for information, and I did not validate these charges in the list. I meet all of the requirements for blocking and removing information from my consumer report under XXXX XXXX XXXX. Failure to comply is a breach of my legal rights.
Product: Credit card

This is a general complaint about disclosure requirements for creditors such as XXXX Chase. They do not furnish enough information on the invoice to identify if charges are indeed accurate or not without requiring a great deal of follow-up research. There should be an easily understandable description of a purchase so that I can verify that I or some authorized user of my account indeed made a purchase.
Product: Checking or savings account

Chase Bank has discriminated against me because I am an XXXX American Male. A have business that entails landscaping and Personalizing Items. I applied for a SBA loan and was approved. Chase went into my account from last year after witnessing my race and noticed a deposit from the SBA. The Froze my account with all my personal money and Direct deposit from work. I called to get the reason why my account was froze and the fraud department was very adamant it was FRAUD. I was told by a CHASE FRAUD SPECIALIST to submit a letter from my CPA Vouching on my behalf I am a legal business owner who operates as a sole proprietor under my social, and the letter had to be notarized. I provided the letter as requested, they still will not release the hold and FRAUD alert off my Personal account. The Fraud specialist are now telling me I must obtain a EIN to operate as a sole Prop. under my social. I know that's false and inaccurate information. I have read several reviews of other XXXX American men who has experienced the same Discrimination after providing proof of have a legal business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the late payment reported by XXXX. My account number ends in XXXX and the last four of my SS # is XXXX. I have been impacted by XXXX. I was admitted to the hospital in XXXX. Not only did I have the XXXX  and was in the hospital for a long time, I lost my job. I spoke with XXXX and was advised My payments were deferred until XX/XX/2020. I get a credit alert and they have reported me as past due. This is a VIOLATION OF THE CARES ACT AND THE LATE PAYMENT NEEDS TO BE REMOVED! I WILL PAY THIS ACCOUNT IN FULL ONCE THEY CORRECT MY CREDIT REPORT AND REMOVE THE ERROINIOUS LATE FEES!!!!! I was told I was provided protections under the CARES ACT and they failed to adhere to what was offered to me! No one has called me from XXXX! I received no written notice or terms of the deferred payments/forbearance plan. All I had to rely on was what the Rep told me. I thought I was protected until XXXX. XXXX needs to make this right, AND COMPLY WITH THE CARES ACT AND FIX MY CREDIT REPORTING AND REMOVE ALL LATE FEES AND CALL ME ONCE THAT IS DONE! In either XXXX or XXXX, I was able to call XXXX and I had also filed a Reg Z billing dispute and sent to the designated address. The rep I spoke with saw the dispute in review. At that time, I paid the balance of my account but all a {$35.00} late fee THAT WAS IN DISPUTE! That was the only amount due. She told me, I would receive a written response. I NEVER RECEIVED IT! Not long after that call, I was back in the hospital due to complications from XXXX. I was just sent home yesterday. I was unable to take any action or call anyone regarding this account! 

XXXX needs to remove ALL THE NEGATIVE REPORTING THAT HAVE REPORTED AND TAKE MY BALANCE TO XXXX AND CLOSE MY ACCOUNT!!! THEY ARE IN TEH WRONG HERE!! HOW DO I OWE {$110.00} WHEN ALL I " OWED '' WAS {$35.00} THAT WAS IN DISPUTE??!! THEY NEED TO GET IT TOGETHER AND RESPOND TO THEIR REG Z DISPUTES AND COMMUNICATE WITH CUSTOMERS!
Product: Prepaid card

There was an unauthorized charge on my vanilla gift card. 

purchase date : XX/XX/year> Amount : {$200.00}
Product: Student loan

I filed for Federal Loan Forgiveness with Fedloan Servicing in XXXX of 2019, but continued to pay on my loans with XXXX, a Department of Education Servicer. I received notice from XXXX that my loans were being transferred to Fedloan Servicing on XX/XX/2019. I had already paid XXXX on XX/XX/2019 my XXXX, 2019 payment. When Fedloan received my loan from XXXX they again billed me for the month of XXXX of 2019. I had no choice but to borrow the money and pay them a second payment for XXXX of 2019. I phoned Fedloan Servicing about this matter and spoke with XXXX ( operator # XXXX ), who transferred me to XXXX ( service operator # XXXX ), who transferred me to a supervisor XXXX ( operator # XXXX ). It is not fair that I be charged two payment in the same month. Money I do not have that is being juiced out of me by Fedloan Servicing who is in a position to deny my loan forgiveness if I do not pay. I want my second payment for XXXX of 2019 returned to me or applied to a future payment.
Product: Debt collection

Hello, This account is fraudulent that is reporting on my credit. I have yet to receive and updates from the bureaus within the past 30 days. By law after 30 days these accounts are suppose to be remove of my credit report.
Product: Credit card or prepaid card

I initiated an online chat with citibank, stating I was struggling to pay my bill and I asked for temporary assistance with the interest rate and/or payment amount. The agent, XXXX, checked and said " no offers were available ''. I asked again in a different way and she just pasted information about paying off my balance and it would take two payment cycles for the interest to stop if I paid my balance in full! They were unwilling to work with me.
Product: Bank account or service

XXXX i recently asked my Account manager to give me more time to find the {$300.00} dollars to complete the reboot of their computer system so that i can access my account, But the directors are final on the date the XX/XX/XXXX!!! For me to find this money, If i can not find the {$300.00} my funds that were left to me will be confiscated, this is a lot of money to loose! even a bank would not like to loose so much, i know that you are giving them 16 days to reply but i urge you to put more pressure on this bank, i do not know if you can find me a lawyer and legal aid, i do not know if i qualify for legal aid in the XXXX? i know there is no chance in the XXXX as the government stopped legal as a cost cutting in the financial sector was at the time costing millions to the XXXX and being unemployed on a very low budget less than XXXX pounds per month is a strain on every thing as it is i am just coping with paying my mortgage on very reduced payments also a secure loan i have is also reduced two smaller loans i am unable to pay so i believe i will receive a summons to appear in county court,
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to inform you that on XX/XX/2020 I sent a letter stating that I found inaccurate items on my credit report. I feel I have been patient with the investigation process but it has been over 48 days and I have not received a response. Unfortunately I feel as if my disputes have been ignored and that I have been taken advantage of. According to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Again I would like you to know that it has been over 48 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship you have caused me. I was affected by the Equifax data breach and this may be the result of this nefarious activity on my reports.
Product: Checking or savings account

I disputed a fraudulent charge of {$55.00} from a merchant called XXXX XXXX XXXX. PNC allegedly conducted an investigation and stated the charge on my debit card was authorized. I would like PNC, the bank that I have deposited my money in for over 5 years, to explain the steps they took in this investigation. I want to know why they are ignoring my dispute and honoring a fraudulent charge.
Product: Credit card or prepaid card

I have one personal and 3 business American Express cards. I have had my personal card for over 5 years. I have requested at least 10 times for a credit limit increase and each time the system automatically declines me. I have sent in my filed tax returns, my credit score is over 790 and I have perfect payment history. I have yet to receive an answer as to why I keep getting declined.
Product: Student loan

Due to MOHELA 's website incorrectly processing my payment from XXXX 2023, they have placed me on a processing forbearance with me unable to continue making payments towards my XXXX XXXX XXXX XXXX. 

Once I talked to MOHELA about being removed from forbearance, they said it would take at least 60 days for them to process it. 

It is not fair to me or other consumers to pay the consequences for MOHELA 's systematic failures.
Product: Credit reporting or other personal consumer reports

Please remove fraudulent accounts and hard inquiries off my credit profile from XXXX, XXXX and Trans Union immediately! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/year> I ordered shoes from a website called petaldrlven.com {$330.00}. The next morning I tried to cancel the order because I discovered the shoes are not authentic. The order had not yet been shipped out and they refused to refund me the money. No where on the website do they have a policy in regards to refunds. I sent various emails trying to get my money back and they never sent me the shoes nor refunded me the money. I disputed the transaction with wells fargo on the XXXX or XXXX of XXXX and I received a provisional credit. On XXXX XXXX Wells Fargo reversed the provisional credit with out properly investigating. They did not call or email me in regards of gathering the emails I have with petaldrlven documenting the issue. They never notified me of why the provisional credit was reversed or the details of the investigation.
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. 

Account name : XXXX XXXX, Account # XXXX has violated my rights. 
Account name : XXXXXXXX XXXX XXXX, Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Debt collection

They continue to call me, XXXX XXXX, ( a XXXX person ), looking for other people who may or may not be related to me. I've asked that my phone number be removed on various occasions.