23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

was paid for work with money order from western union for work on a car. called western union to make sure the money orders where good. they told me yes. i asked them about the possibility of them putting a stop payment on them after i took them as payment and western union said that as long as i had both the money order and the receipt of the money orders that they couldnt put a stop payment on them. the next day i went down and cashed one of the money orders with no problem. about two weeks later i went to cash the other one and they told me it was no good and that i owed them XXXX for the one i cashed. i tried for months to solve the problem with western union but with no luck. finally they told me they were having a hearing on the validity of my complaint and to get a hold of them in a couple weeks. when i did they said that they were not gtoing to pay me and that i still owed them the XXXX i figured i got ripped off. i kept the money order and just ran across it the other day ande my girl friend talked me into following up on getting paid.
Product: Credit reporting or other personal consumer reports

I noticed XXXX unauthorized inquiries on my report XX/XX/year> XX/XX/year> According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified unauthorized items MUST be removed!!!! 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

This morning, I was stunned to see accounts I dont recognize on my credit report. I check my report regularly, so I was shocked to find these unexpected discrepancies. Thinking it might be a temporary glitch, I refreshed my browser, but the incorrect accounts didnt disappear. This issue has me deeply concerned, so Im asking for a careful review of the documents I sent, hoping it will finally bring peace of mind.
Product: Prepaid card

Hello, I purchased this card on XX/XX/year> with a load amount of XXXX XXXX The card was opened on XX/XX/year> and found to have the numbers on the front of the card missing as well as a sticky substance on the back of the card on the magnetic strip. We called the XXXX XXXX customer service and he assured me my XXXX $ was safe and he would open a case. I received a notification today that they are unable to give me the money back. We were unable to even use the card. I would like to have my XXXX $ back.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or delete. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims, and they are eager to consider you responsible for your tenacious rebelliousness. 
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: Credit reporting or other personal consumer reports

TransUnion and XXXX are still showing collections accounts when I have had them deleted from XXXX. 

XXXX XXXX XXXX XXXX {$81.00} XXXX XXXX XXXX XXXX {$78.00} XXXX XXXX XXXX {$100.00}
Product: Debt collection

Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$520.00} Reason : Identity theft Please remove it from my credit report. 


Account Name : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$690.00} Reason : Identity theft Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

CBNA CBNA, XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX I demand this be inquiry removed immediately its not me
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to gross negligence ( improper password protection ) Equifax let their system get hacked. They did not disclose this information in a timely manner allowing more time before I could place a fraud alert on my credit and protect my personal information. Consumer were informed of the breach on XXXX/XXXX/XXXX however the actual breach occurred from mid XXXX to mid XXXX. This breach exposed my social security number, credit card information, personal address, date of birth, and drivers license number. I have reached out to the company but their phone lines keep dropping calls. The company has not done anything to rectify the situation, they do not even know whose information was stolen and the website they have set up randomly tells you if you may or may not have been affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX Portfolio Recovery A, added 2 derogatory marks on my credit report per XXXX XXXX. Upon, further research, these accounts was transferred/sold and I am no longer responsible for the accounts. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send me a bill and say its mines. According to the FCRA, -- -- -- - has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, 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 Has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a right to privacy.

15 U.S.C. Section 604 A 2 It also states a consumer reporting agency can not furnish a account without written instructions.
Product: Credit reporting

I had a case of credit fraud in 2015 on several accounts and XXXX and XXXX is the only company that will not remove the report from my credit. I have sent them all of the information that I have available and that was not enough for them, but was ample for all other companies.
Product: Bank account or service

My husband and I opened an account with SunTrust and three days later could not get access to the account. We called SunTrust and they told us that they could not tell us why our account closed and that we needed to call the fraud department. The fraud department looked XXXX of us up and told us that nothing was flagged on our account and that they saw not reason as to why our account got closed. Next, we went into an actual brand and again were told that they could not tell us exactly why our account got closed and when we would get our money back. Every time we talk to someone they tell us that they ca n't give us a time when we will get *ALL* of our money back. This is ridiculous and no one will help us.
Product: Credit card or prepaid card

I disputed a charge that was charged to my discover card back on XX/XX/XXXX from XXXX XXXX for three flight tickets. Each ticket was for {$350.00}. This company is out of XXXX and no longer in business. They filed bankrupt in XXXX. The person that contacted me from a company that I thought was affiliated with XXXX was told they did not have permission to charge my credit card. I told them this over the phone and by email. At first they told me that my credit card would not work and then four days later after I told them they did not have permission to charge my card because I knew then they were suspicious they sent me an email saying that my card had been charged and my flight tickets had been confirmed. I called XXXX XXXX who confirmed that these were not XXXX tickets and that I would not be getting on a XXXXXXXX XXXX They said that the company was not in business and they then did a fraudulent form on the tickets and company and told me the tickets were no good. They told me to call discover and dispute it with them so I did but at the time the charges were not on my card yet. That took about two or three days to show up and once they showed up I disputed them. I was told by the representative at discover that they had 30 days to respond back to the dispute and if they did not respond back that it would officially removed from my discover card. The charges were removed completely off my credit card and then four months later discover put them back on there ( XX/XX/XXXX ). I reached out to discover over 10 times talking to different people each time. They could only tell me that SOMEONE, not quiet sure had sent something in to them that I missed my flight so they added the charges back and told me that they couldn't be taking off since they received that. I spend two weeks talking with discover, XXXX, and multiple different airline and agencies across the world trying to figure this out and see who exactly disputed back four months later. Every place I called could give me no information and said they showed nothing under my name or email or phone number. Discover would not try and reach out to anyone to see what was going on. They said they couldn't and that I had to do that. I tried to tell them that the company no longer existed and the phone numbers were non working numbers. All the numbers I tried you could not talk to anyone or they said they were not allowed to give out any information. Discover was no help to me what so ever and did not try to help me. They said they didn't know who disputed it and had no name or number at one point. The numbers that had reached out to me about these flights back in XXXX had no working numbers. I had to go back to emails that they sent me to try and talk to them and they told me they showed nothing in my name. Every time I tried to call them back in XXXX concerning them charging my discover card the numbers did not work so I could only communicate through email and at that time they would call me from a non working number. I am asking that Discover take the charges off of my card.
Product: Student loan

My loan was transferred from XXXX  to Mohela. I resubmitted my XXXX  and my payment more than doubled. I don't have a problem with the payment, but Mohela is unable to provide me with the calculations of the payment. 

Income for XXXX {$71000.00} filed XXXX  XXXX XXXX dependents, payment {$78.00}. ( not public data ) Income for XXXX {$71000.00} filed XXXX, XXXX dependents, payment {$230.00}. ( not public data ) My income only went up by $ XXXX, I do not understand why my payment is {$160.00} more per month? 

I have called and they keep trying to direct me to forbearance, that is not what I want. I want the calculations for the payment plan. They say " It is calculated by what information you gave us ''. My discretionary income has not significantly changed, so the jump makes no sense.
Product: Credit card or prepaid card

I've opened multiple Citibank XXXX ( XXXX XXXX ) credit cards over the last few years and met all of the requirements to earn the promotional XXXX miles for those cards, and Citibank correctly deposited them in my XXXX account.

However, XXXX recently closed my account due to fraud related to my Citibank credit cards! This is completely false - I have followed all of the rules Citibank made.
Product: Student loan

As I get closer to being able to apply for XXXX there has been hiccup after hiccup. Without my permission they signed me up for admin forbearance in XXXX. I successfully got it removed so I could continue making qualifying payments. I have always been signed up for auto pay to ensure that it is paid on time. When the loan was transferred over to the new servicing website I signed back up for it. I have a statement saying my auto paymebt would come out XX/XX/year>. It was not removed so I was late. I've never been late in a payment. I called and they said their records show auto pay was active XX/XX/year>. So they gave me a document that isn't matching the information they have or are giving. That worries me. How am I supposed to trust what they tell me if the documents they give me aren't accurate. When I call it seems no matter who I talk to, they dont really have answers or know anything.
Product: Mortgage

In 2013 my husband applied for a HELOC loan. According to my husband, it would be necessary for me to sign the papers for said loan. I was unsure why, as I am not on the mortgage and I am a homemaker with no monetary income.But, as I was told by the bank and my husband that it was just a " Florida Thing '' and strictly a formality. However, I am on the deed. The entire amount of the loan was deposited in to my husband 's account. I had no access to the HELOC account at all. I am divorcing my husband of 35 years. I have since discovered that the house, mortgage and HELOC are all in arrears, I am once again stuck with the burden of responsibility when I was not ever given any choice in this matter. I called PNC Bank many times and went to more than one branch to try to learn what I could do to bring any and all payments current. So, now my home is being sold and all the penalties that have incurred and the balance owed will be removed from the equity of my home. As well as the HELOC loan, which was not used wisely to say the very least. I just find it very strange and unfair that I can't be given any information about the loans at hand and denied the right when I wanted to pay towards the balance ( s ). But, I will be incurring the responsibilities of the loans and all the penalties just the same. I had no voice so I guess a signature was good until I began asking the questions I am now asking. Just a women, right? I thought in this day and age that unfair treatment because of one 's sexuality and their place in the working world would not have the same stigma and classification it did so many years before. I am sad and ashamed to say that some things have not changed as much as we might believe they have.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX Account Type : Mortgage Mortgage Account Type - Detail : Unknown - credit extension, review, or collection XXXX XXXX loan Bureau Code : Joint Joint Account Status : Open Open Monthly Payment : {$150.00} {$150.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$7400.00} {$7400.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$7600.00} {$7600.00} Credit Limit : {$0.00} {$0.00} Past Due : {$4000.00} {$4000.00} Payment Status : Late 180 Days Late 120 Days Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : - XXXX XXXX loan 180 days past due Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My brother and I are inheriting my deceased parent 's home. 
There was storm damage to the house and insurance checks were issued to cover the repair. 
There was an outstanding mortgage ( {$8000.00} ) and HELOC ( approx. {$200000.00} ) remaining due on the home. 
The damage insurance checks that were issued were greater than that amount. 
I was in the loan modification program to assume my parent 's loans on the home. 
My brother called in and had both the mortgage and the HELOC balances paid off with the insurance money. 
The insurance company had already started construction and set up a tiered payment plan for their services. They have not been paid and have done over {$100000.00} in work. 

WELLS FARGO USED THE INSURANCE MONEY TO PAY THEMSELVES BACK ON THE MORTGAGE ON HELOC AND NEVER CONTACTED THE OTHER BENEFICIARY -- MYSELF -- IF IT WAS MY WISH TO PAY OFF THE LOAN. 
WELLS FARGO MUST PAY THE CONTRACTORS AND REINSTATE THE MORTGAGE AND HELO WHICH THEY ARE NOT DOING.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX  - XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXX, and XXXX - XXXX, have 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is reporting on my credit and its incorrect for one I was never notified of when and where the car was being auctioned off also they never updated the account after selling the car at the auction.Also The account there reporting is identified as an installment loan which is factually incorrect. The true account type for this account is a Credit Sale Agreement. I have the right to an accurate credit file and discrepancies like this are unacceptable. Please remove this account from my credit file immediately.
Product: Mortgage

In XXXX of this year, I had reached out to Capital One for pre-approval for a mortgage. I was received a pre- approval letter stating that I was approved for a conventional loan for up to XXXX with XXXX down. I found a home and put in an offer and went into contract. This is where the issues began. Upon completing my application the loan officer ran my credit and my score came in at XXXX. Prior to my pre-approval my score was XXXX. I asked my loan officer why my score was different as they are the only ones who have touched my credit. I was never able to obtain an answer regarding this from the loan officer and her boss. I was advised that I would only qualify for an FHA loan regardless of what I put down. I was advised that I could not put down a lesser amount even though FHA guidelines state that I can put down XXXX. There was an appraisal issue with the home which me and the seller resolved. I changed my down payment amount the XXXX. So during the underwriting process I was given many different figures and then was advised that I need to put down XXXX and pay off my vehicle at closing and I can close on XXXX. Then I was told the next day that I will have pay off my vehicle with my bank. I talked to my loan officer who couldnt give me answers so I contacted their manager. He promised that I could close on XXXX and pay my vehicle at closing. The next day I given a document that didnt have the right numbers and was asked to acknowledge and sign. I refused and my loan officer advised that they will look into it. Then I was advised to put XXXX down and then XXXX down and pay off my car again. I took my concern to the loan officer 's boss and he advised that they are fixing the problem and they could not give me numbers until XXXX even though I am supposed to close on XXXX.They refuse to provide me any accurate documentation and gave constant misinformation numbers and approvaI. I ended up ending the contract to purchase the home and discontinuing the loan process. 

I had previously filed a complaint with the BBB and Capital One refused to take responsibility and provided false information in response to my complaint. 
The reason I am writing to your organization is that I was a victim of predatory lending. I am also writing to report their deceptive business practices. 

Attachments : I have attached two different email chains : Closing Disclosure : This is conversation with the loan officer about the closing disclosure that they ( capital one ) asked me to sign with the wrong amounts. 
Agreed Closing Amounts : This document had the down payment amount and closing date that I had agreed on with Capital One before they changed it two days prior to the closing date. 
I have also included their response to my BBB complaint that did not provide factual information. My rebuttal to this complaint is attached as well.
Product: Debt collection

My complaint is about XXXX XXXX located in XXXX, IL. 
I checked my credit score today, XX/XX/2020 and noticed I had a negative action on my credit score due to a debt with XXXX  XXXX XXXX. I called them and they said to call XXXX XXXX at XXXX XXXX because a lawyer was handling this case, which I have never been contacted my XXXX  XXXX nor this XXXX XXXX. So I called asking questions about the debt, why no one has contacted me, and said I wanted to set up a payment arrangement. XXXX was rude, spoke over me, and wouldn't help me. I had to ask to have someone else call me back. XXXX called me back, and refused to let me make payments towards my balance because it was too low. That is ridiculous that they will not allow me to make payments. How do I pay this off since they won't let me? They are trying to scam me for more money. The debt is for {$1000.00} and will let me pay it off for {$1000.00}, but since I financially can not pay that amount in one lump sum, they want to charge me oer {$1400.00}. That is ridiculous. Then they wouldn't even let me set up a payment arrangement because he wants me to pay over {$150.00} a month. I told him repeatedly I can not afford it and he didn't care. What do I do?? Many people have had issues with this place according to reviews I have read online.
Product: Student loan

Getting Collection Calls from XXXX and never received a billing statement. Filed bankruptcy in XX/XX/2014 discharged Chapter XXXX, submitted income based repayment, never received confirmation after all paperwork submitted. Still unable to get proper documentation regarding the loans. XXXX University also still has a hold on the account.
Product: Mortgage

My mortgage was at XXXX now my new mortgage is XXXX starting XXXX 2015. The reason for this is because my escrow was overdrawn for home insurance with Flagstar. Not sure for how long but, I came up with my own home insurance. I have recently returned a check to Flagstar in the amount of XXXX. I am trying to bring down my payment back to XXXX and pay for my own home insurance since my escrow keep being overdrawn. The way Flagstar explained to me is that out of the {$550.00} paid monthly {$70.00} will be put back into my escrow. I have attached information on my account with Flagstar since XXXX and the amount remains the same every year to total XXXX. What mortgage remains the same for 13-years. Can you help?
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union, XX/XX/XXXX and XX/XX/XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that were opened fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccurate/unauthorized fraud items on report. 

XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Vehicle loan or lease

My name is XXXX XXXX, i have a XXXX  XXXX XXXX financed with Westlake financial Services. On XX/XX/XXXX new york state asked all the banks to push the payments out for people affected. I called westlake financial services asking for payment arrangement at the end of the loan but instead they starting harassing me. I been receiving calls 3-5 times daily and they are charging penalties and late fees my phone number XXXX XXXX XXXX.