23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Synchrony bank decided that I owed too much on other cards and was late on some payments with the other cards but not theirs nor have I ever been and was making the payments required for XXXX and XXXX in XXXX XXXX  for which I had been going through a medical hardship due to a XXXX XXXX and changed my employment but was never late to them. They raised my interest rates significantly from 20.99 % or so to 30.99 % on both cards dropped my total credit down to just above my balance destroying my credit %. Closed my lowes card account and have been making regular payments for a year now on lowes and it has hardly changed the balance any because of their ridiculous interest rate change.
Product: Mortgage

My Mortgage was sold from Saxon Mortgage to XXXX in XX/XX/2012. 
Prior to the Sale, my Mortgage Balance was {$200000.00} with Saxon Mortgage, but after the Sale to XXXX, my new Mortgage Balance was {$240000.00} ; hence a fee of {$40000.00} was added ( i dont know why ), which i have had to pay down over the last XXXX years to the current {$210000.00} with XXXX
Product: Credit card

They are charging so much in fees can not get the card paid down due to fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 

I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 



XXXX. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX  Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover credit card is fraudulent account which needs to get removed from credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I need some help on the following which are inaccurate and need to be fixed with all three credit reporting agencies. This now will be the third time requested Balances listed on accounts are not accurate for example XXXX XXXX balance is not accurate XXXX XXXX no balance is on this account, pleaes correct Late remarks are not accurate XXXX XXXX XXXX Account was never past due or late this remark is inaccurate XXXX XXXX XXXX   XXXX ( There are many accounts listed through XXXX XXXX ) first balances are not accurate, second never was the payment 90 days late as reflected in my history the loans were in forbearance. This inaccurate remark needs to be removed off of all student loans it is listed on
Product: Student loan

Each Reminder email is to let me know a payment will be automatically deducted from my checking account on the XXXX of every month, and reminders were usually emailed on the XXXX of every month. In the XXXX   confirmation emails {$100.00} was deducted.
Product: Debt collection

XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX, and XXXX XXXX XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I have found out from my credit report that I have two bills with JEFFERSON CAPITAL SYSTEMS. I never received anything from them and was unaware that they bought out my debt. One of the debts was already disputed with XXXX. XXXX  even removed it from my credit report.
Product: Student loan

My student loans started off with XXXXXXXX XXXX I signed up with the SAVE plan for my repayment plan. With the SAVE plan my monthly payment was XXXX dollars. I applied for PSLF and was approved. I just got an email today that my loans were switched to MOHELA. I set up and account and found that my payment changed from XXXX dollars to XXXX dollars. I called about this and spoke with someone who advised me to upload my SAVE plan approval from ED Financial to my MOHELA account and that I would be transferred to the resolutions team to get my account fixed. I waited on hold for 3 hours just for an automated voice to come on the phone and say a supervisor was not available and for me to call back. Then I was hung up on. I called back 3 times and spoke with three different people who all gave me different information and who all ended up transferring me to a supervisor to which I yet again got sent to an automated voice saying a supervisor wasnt available. I have yet to get in contact with a supervisor. Nothing about my income or loans have changed. It should have been a seamless transition from XXXXXXXX XXXX to MOHELA. My Mohela account shows Im enrolled in SAVE but my payment amount now reflects XXXX instead of the XXXX dollars it had been the last 3 months with XXXX XXXX. I have a letter from XXXX XXXX that I was approved for save with a XXXX dollar payment for 12 months. I need Mohela to fix my payments as something has gotten mixed up or entered in correctly in their system during the loan servicer transition
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX, I realized {$5400.00} was taken from my personal loan. This was fraudulent and was reported to TD Bank. They advised they would investigate. {$5400.00} was then transferred from my PERSONAL CHECKING ACCOUNT to cover the {$5400.00} taken from the loan and then the personal loan was just closed, leaving me down {$5400.00} with no resolution in sight and the bank essentially screwing me for something that's not my fault. It seems to me TD Bank doesn't want to be on the hook for the {$5400.00} and left me with it instead. I have made multiple phone calls and multiple trips to the branch on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, and XXXX and have just gotten the run around or transferred multiple times to get hung up on. This is ridiculous.
Product: Money transfer, virtual currency, or money service

I used PayPal to purchase what I thought was a sanitizing vacuum/mop from XXXX at the beginning of the outbreak of Covid-19. After two months I still had not received the merchandise and I contacted PayPal to notify them of the issue. They gave me the run around so I filed a dispute with my bank ( XXXX XXXX XXXX ). A few weeks later I received the merchandise but it was NOT was I ordered at all. They sent a child 's plastic piece of junk! Immediately I contacted my bank and told them about the junk I received. After several months of back and forth my bank notified me that they could not get my money back from the merchant 's bank. This was after they told me that if I returned the item they XXXX XXXX XXXX did not see why they the merchant could not give me my money back. After I paid {$70.00} dollars to send the item back I had to argue with the merchant to give me my refund back. They refused for months, until XX/XX/XXXX of this year they agreed to return my money. Then they sent me a notice that said they could not refund due to a non existing chargeback. I received another email of " proof '' this morning stating the same thing. They assure me that PayPal can return my money and PayPal says that they can not. All I know is that XXXX should be held liable for marketing fraudulent companies, and PayPal as well for not protecting the consumer from fraud. I have told everyone I know to NEVER use PayPal or buy anything they see on XXXX! Both of these companies should be ashamed of themselves!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a dispute to Equifax to remove a fraudulent item on my credit report for XXXX. After several attempts and various documents submitted and a call to the FL Attorney General 's office I was able to have this item removed. The issue is that Equifax has reported a blanket dispute remark on my open and valid accounts for XXXX ( XXXX and XXXX ). On these XXXX items it now states - Consumer Disputes Reinvestigation in Process. I was supposed to close on a mortgage today but now that these remarks are on my report I am not able to close and may lose out on the house. I have called Equifax and asked them and begged them to remove this wording immediately because they reported those disputes to those accounts erroneously. They refuse to remove the wording immediately and stated it will take XXXX business days even though I NEVER disputed those XXXX XXXXXXXX XXXX  I am beyond frustrated, I am living in a hotel because I was supposed to close last week, now was supposed to close today ( XX/XX/XXXX ) and now I may not even close on this home at all!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax company incompetence. 

For over a year now ( since XX/XX/2021 ) Equifax has not allowed me or creditors to access my credit file with Equifax. 

I have tried on at least four occasions in the last year to resolve it with them ( and hours on the phone ). They have not resolved their internal security problems, other than asking dozens of their verifying questions. 

They want me to USPS confidential identity documents to them. Not a best practice for handling confidential documents. I have expressed my reluctance to do that because we recently had some checks stolen from the USPS boxes at the Post Office in XXXX. 

I have no issues with either XXXX or XXXX XXXX, just Equifax.
Product: Checking or savings account

On XX/XX/year> I went to my banks ATM to deposit about {$900.00} worth of cash into their atm. Once I inserted my card, entered my pin, and then deposited my cash, the ATM machine malfunctioned and then gave me an error message on the screen. I can not recall what the exact message said but when I went inside the employee who was working for the bank recited it verbatim. She knew the error message. The cash that I deposited was never placed into my account and the ATM kept all of the money I inserted. The bank, on XX/XX/year> gave me {$900.00}. However, on XX/XX/year> they took all {$900.00} back out of my account and claimed that there was no issue. I was there anywhere from XXXX on Wednesday XX/XX/year> if that helps.
Product: Debt collection

Paid off Debt in Full was advised that Credit Report will be updated and now they are stating since I didnt pay for the membership fee that they will not update. Debt is paid in full.
Product: Credit reporting

There are XXXX judgments on my credit report that do not belong to me and I have disputed them directly with the credit bureaus and the court house and no one has seemed to provide me with XXXX legal validation that they are mine and I owe the money. There are no original creditors accounts on my credit report for these judgments and they are causing grave injury to my credit report and score. The judgments are as follows : XXXX County Special - XXXX County Special - XXXX County Special - XXXX
Product: Debt collection

Was notified by a mediator about being sued for a credit card from XXXX. Florida statues states they can not collect after 7 years. Also did not receive any written notice. this gentleman stated the notice was ignored
Product: Debt collection

I met with XXXX on XX/XX/XXXX for XXXX at my property in XXXX XXXX Maryland. The XXXX XXXX they used is Sunnova Energy Corporation. 

On XX/XX/XXXX - I received an email from XXXX charging my account for a property at XXXX XXXX XXXX, XXXX CO XXXX, with account # XXXX with a XXXX XXXX ID XXXX. 

I informed the XXXX agent XXXX XXXX. He told he would take care of it. XXXX filed for bankruptcy in XX/XX/XXXX. I assumed this matter was taken care of until I heard from my bank. 

I called XXXX and informed them, several times. Then I had to have my back change my banking information. Then I started getting multiple harassing debt collection calls from XXXX. I kept calling them to dig into the mater but have ignore until today XX/XX/XXXX because of my outrage. 

I spoke with a supervisor called XXXX. She told me my wife and I lived in Colorado. I am not married, and I live in Maryland. She said my wife was XXXX XXXX XXXX. I told her I don't know any such person. 

She said that she has filed XXXX cases on the matter. XXXX case number XXXX and XXXX case # XXXX. 

My XXXX credit rating is now down to the XXXX because of this and my bank account is overdrawn. I would appreciate the agency 's help in this matter.
Product: Checking or savings account

Hello CFPB, On XX/XX/2022, I deposited a sum of cash somewhere in between $ XXXXinto an Wells Fargo ATM machine located at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX The total amount deposited did not nearly match what the screen displayed, so I asked for all cash to be returned. However only some was returned and some was stuck in the machine. I was able to pull out {$600.00} in hundreds. 

The following is the information of the ATM machine : Model Number : XXXX Serial Number : XXXX Engine Serial Number : XXXX Hardware ID : XXXX I immediately stuck my fingers into the deposit receptacle to stop it from closing. I have photos and videos of the cash stuck in the machine.

I then ran into the bank to ask the bank employees for assistance, and they instructed me to allow the ATM deposit receptacle to close so that they may check for the cash on the other side of the ATM. They said they could not find my cash and instructed me to open a claim with Wells Fargo. 

I opened a claim with Wells Fargo, and was credited {$1200.00} during the investigation ( as I did not know the total amount to be deposited but knew it to be in the $ XXXX range I claimed {$1200.00} was missing to be safe ). 

Claim Reference Number : XXXX Payment Card : XXXX Today, The ATM claim # XXXX was reversed and {$1200.00} pulled out of my account, and upon calling Wells Fargo for more information, they stated my claim was denied as no extra cash was found in this machine. 

I find this impossible as I deposited a large sum, asked for all cash to be sent back out of the machine so that I could recount, and then was only able to pull out {$600.00} before the machine pulled the rest of my cash in.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX  I logged into my UWM account to check my escrow balance and was shocked to find that it showed I was 38 days late on my XXXX loan payment and that the XXXX loan payment remained outstanding. 
As soon as I discovered that autopay ( which had been previously set up ) had not drafted the loan payment, I immediately scheduled both payments and called in to your offices to confirm the status and reconfigure auto pay. I now understand that the late payment on my account was a technical error caused by an auto pay failure. As such, I would like to dispute the late payment so that it does not affect my credit.
Product: Bank account or service

I applied for a job online through XXXX the temp agency and there was a job on there called XXXX which is a job you do working from home and they sent me checks stating that I had to deposit it mobile into my USAA account to buy products and that I had to send them {$1000.00} on XXXX XXXX 2015 and {$1000.00} on XXXX XXXX 2015 once the money came available in my account. I went to XXXX XXXX to send them the money back. When I tried to use my USAA card for personal items for myself out of the money I had in my account before that money from that job got in there it said not available when I swiped my card in the store and I tried to access my USAA account it said account restricted and I called and they told me that my account was froze and they are going to be ending my service with USAA because of the checks I deposited I tried to explain to USAA that I got a job offer online and I did not know it was a scam and I did not know something was wrong with the checks they gave me but they were not hearing me out, they told me they would send me a letter in the mail with their determination an every time I would call back to explain myself myself about it all the representatives would tell me they could not see my account and that there was a note on my account. I 'm young and took a job offer because I was seeking another job I did n't know that the job was n't legit and I feel USAA should have known something had happened because I never had any issues with my account with them. They also said it was different checks I only have XXXX checks and the job XXXX could have hacked my account because they were supposed to be a company from XXXX and opened a new building in XXXX Florida. I have never been in a situation like this and can not afford to pay back all that money to USAA. I 'm having a hard time with this right now because I have never experienced something like this and the job really seemed real. USAA also stated that I called multiple times but I only called three times and that 's when I was trying to explain to them my situation so someone was using my information is what I 'm assuming. When I called I was crying and ect. Because no one would help. An when I talked to a man he transferred me to a lady saying she was the one handling my information I was like I never even talked to a lady about handling anything so it seemed like another person was calling also. The person who was hacking my account realized that they could no longer access my account. I just do n't know what to do. USAA just was giving me the run around and they should have realized something different was going on with my account and something was wrong. I 'm young and they just took advantage of me and it 's hurting me that people would do things like this. USAA should know from the time I got my account nothing like this ever happened and my account never had this much funds the most I 'll have is $ XXXX {$200.00}
Product: Credit card or prepaid card

On XX/XX/XXXX while I was at work I got a notification that a purchase was made with my Walmart/Capital One Mastercard credit card. There was no way I was at work the whole time. I dont even shop for shoes at XXXX. I like to go shoe shopping at the mall. I report it this to the company. They had taken the charge away and they charged me again saying that it was a legit transaction but it wasn't me they also told that after I canceled the card there was an attempt for use at a XXXX XXXX so clearly someone did hack my info. I did have the card with me so I dont know how this happened. I had ordered a new card with the same card number prior to this happening. So I think my new card was stolen and I didn't realize??? Did my info get hacked???. Its just not fair that I have to pay for someone else 's shoes. I need shoes and don't go crazy going to buy some. If you could help me I will really appreciate it! Customer service from Walmart/ Capital One credit card where not trying to help me at all. They just don't care. I have a great credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act CXXXX : accounts XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXept of EdXXXX XXXX XXXX US Dept of EdXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Checking or savings account

I was connected with what I was told was a reputable way to help consolidate and start repayments on my student loans. There was a {$790.00} start-up fee ( first red flag I was too XXXX to see ) as well as {$39.00} deducted every month on the 16th going to what I was told was my student loans directly. This happened from XX/XX/XXXX to XX/XX/XXXX for a total of {$990.00} overall being taken from me by this company, before I finally caught on to this entire thing being a scam. The money was going directly to " XXXXXXXX XXXX '' aka " XXXX '', and not to my loans at all like I was told it was. They blatantly mislead me, and many others. Please see their XXXX XXXX XXXX page : https : XXXX. My account with " XXXX '' was thankfully cancelled as of XX/XX/XXXX. I sent their customer service an email that day requesting a refund, which I did not get. After speaking with XXXX XXXX and with XXXX XXXX XXXX, it looks like they physically lied on some of my paperwork, saying I had multiple dependents for some reason. To be clear, I did not approve of this, but my bank states that this is technically not correct since I signed paperwork ( thus my report here ) allowing the withdrawals to occur monthly. The fact is, I was verbally lied to and verbally misled by " XXXX '' ( of course this was over the phone, so no XXXX XXXX ). I intended to approve what I was told over the phone : that my monthly payments would be going towards my loans directly, which I came to find out that they were absolutely not. The wording on their documents is clearly incorrect, since I was told something entirely different by their employees when initially speaking over the phone. I never would've proceeded with things had I known what was really going to happen with my money. Their representatives told me over the phone that any payments coming from my account were going directly to my student loans... not to their company for the " recertification process '' on my account in reality.