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

On XX/XX/XXXX i purchased XXXX gyen on XX/XX/XXXX I purchased XXXX XXXX gyen from the exchange coinbase. After i putchesed i tried to remove XXXX XXXX transaction then XXXX canceled after it went through by coinbase because they had an issue with there system then they locked my account for more then 2 weeks and i lost 75 % of my investment intial investment because of there negligence and then they changed my transaction from XXXX XXXX to XXXX XXXX and XXXX XXXX to XXXX XXXX They stolen millions from us i part of a group 2000+ people they did this to also i have all proof prooving
Product: Debt collection

This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from to my credit reports. I have attached documentation of the letter that was sent to the furnisher on ( date ). They are still contacting me and this has shown up on my XXXX, XXXX  and XXXX  credit report. I will sue them if they continue to collect that is not mine.
Product: Mortgage

I applied for a mortgage with Huntington Bank in XXXXXXXX XXXX XXXX and was denied because of my debt ratio, so I was told. Im concerned about that decision now because I witnessed a couple of commercials Huntington released to the public. One commercial had an XXXXXXXX XXXX woman and a XXXXXXXX XXXX  banker discussing her mortgage possibilities, the lady stated that her banker told her that anything is possible when it came to her chances of getting a mortgage with Huntington. The other commercial had two XXXX ladies and there XXXX  banker, and he helped them secure the funding that was needed for there business. Im definitely basing my mortgage decision based on the release of these two commercials, Huntington contacted me and said they will forward my information to the appropriate department and address my concerns.
Product: Debt collection

Theres a few inaccuracies on my credit report. Ive recently came across this collection thats harshly impacting my credit. I absolutely have no idea where this came from or about and I will like this erased from my credit report. This is the account I will like for you check for accuracy : Fedchex Recovery LLC
Product: Credit reporting, credit repair services, or other personal consumer reports

We have been arguing this for MONTHS now and are getting nowhere. Loancare was assigned to our mortgage and have been consistently reporting late payments when we were not late. In fact I spoke with representative XXXX and she even stated that she does not see where we have ever been late however both the creditor and credit bureau keep sending information back as verified yet info keeps changing and is not consistent from my report or my husbands and the information is not consistent from one bureau to another. They are reporting inaccurate info not conducting an investigation and have failed to verify or validate as well as send the requested information showing PROOF that they indeed received our payments late however they do not send that info have updated the verbiage on one out of the three as paid as agreed but the two year history balance info high credit info dates etc.. are all inconsistent and erroneus and are NOT updated to date. This has been going on for over a year. We were supposed to close on our home XX/XX/XXXX we are doing a lease option due to this inaccurate information reporting and STILL this is not updated! We will be forced to move out of our home and have to find a new place to live now because of this inaccurate information reporting. This has caused severe stress and is now a willful violation on their part due to the countless letters we have sent and numerous phone calls! I am demanding restitution for the damage this has caused to my credit and my life for the past couple years and I am demanding that the two year pay history as well as the notation on the account balances dates account numbers etc.. all be updated and CORRECTED to paid as agreed with correct info showing balance paid in full since we no longer live in this home. Please note on the attachment showing the email that I sent to Loancare after consistently calling and calling and getting nowhere and EVEN being told by the rep I spoke with on a recorded line that once something is reported to credit there is no way to reverse that! That is the most insane thing and ILLEGAL not to mention incorrect thing I have ever heard which in itself should speak volumes. but please note that I also copied almost the ENTIRE executive staff on the email and they STILL did not update correctly or provide me with any proof ( and a late statement is NOT PROOF ) of late pay on my account and again the rep I spoke with even said that she does not see where we were late at all not to mention they reported OK with some bureaus and late with others and as reflected in one attachment and then showed me paying as agreed for two months then all of a sudden was late 60 days? That is impossible! This is ruining my life!
Product: Mortgage

Yesterday I received my monthly mortgage statement from Seterus and the amount due had doubled. 

Last month the amount due was {$400.00} and for XX/XX/XXXX the amount due is {$990.00}. No explanation for the increase was included and the account is current. To my knowledge I have never paid a late fee and have paid down the principal with almost every payment. 

This is a variable loan. No prior letter was sent that the rate adjusted from XXXX % to XXXX %. In the past I got a letter explaining why the rate changed and even if it did not change they sent a letter confirming the interest rate. 

The principal amount due increased {$530.00}. This huge increase came with no explanation or description of any kind. 

At the time I took out this loan with XXXX XXXX XXXX this balloon increase was never told to me. I clearly remember seeing a diagram in the loan documentation that showed the rate increasing - I asked about this and was told this was an example of the variable rate increasing. 

I was never told this was a time bomb loan - I was told it was principal only loan and if I did not pay it off by the term of the loan - I would have to refinance the property. 

Seterus purchased a loan with a time bomb in it and never gave me advance warning - beyond 45 days of XXXX rate increases.
Product: Checking or savings account

I recently opened an Opportunity Checking account with Wells Fargo on XX/XX/XXXX. In all my paper work with Wells Fargo, I never received my account number or routing number. I had to log on to my online banking to find my account number. I was not able to find the routing number. So I went to their website for information on how to find my routing number. They have an entire page dedicated specifically to help customers find their routing number. I followed the prompts accordingly on the website ( which I have attached to this complaint ) and was given an incorrect routing number. I set up my payroll direct deposit to go into this account with the routing number that was given to by Wells Fargo. When I realized that my funds were not in my account, I contacted Wells Fargo on XX/XX/XXXX and they repeatedly told me to contact my employer. I then contacted my employer which is also a bank and they were able to see that there were no issues on their end in sending the ACH or direct deposit. I then called Wells Fargo back and spoke to XXXX who was very rude and she told me I used the incorrect routing number, even though the routing number that I used was an active routing number used by Wells Fargo. I asked if there was any way that those funds could be re-routed to my account since I am in need of those funds as soon as possible. She was very rude and I feel as though she did not understand my question or concern. I then asked to speak with her supervisor XXXX. He was also very rude but he gave me the impression that the funds could be re-routed but stated " he was not going to waste his time in researching that ''. Being that I work at a bank, I know that may be an option for other banks to do that. However because he did not want to research it and find out if that was even possible, I now have to wait up to a week or longer to have access to my funds. I believe that I was very mislead with how to know what my routing number is and at that expense I have to wait longer than reasonable in order to receive my funds. I have bills and responsibilities just like everyone else but I believe that Wells Fargo played a major role in why I did not receive my funds in time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without instructions, 15 USC 1666B : A cred payment on a credit cal open end consumer cre purpose. 
ran for any purpose
Product: Credit reporting or other personal consumer reports

I have had a Credit Karma account since XXXX to occasionally check my credit score. 

On XXXX I received an email with the subject : " New hard inquiry on your credit report " The content of the email clearly states " There's a new personal loan inquiry on your credit report* '' and " *Based on your credit report information from XXXX as reported on XXXX '' This is objectively false - there has been no hard inquiry or personal loan inquiry of any kind on my credit report, either XXXX or any other. I have confirmed this by checking my credit report using my bank, as well as my account on Credit Karma 's own website. My XXXX credit report clearly states that there are XXXX hard inquiries on my account as of today 's date XXXX 

Therefore, it seems that the email I received was a predatory marketing tactic to attempt to get me to apply for a personal loan through Credit Karma 's service, which frankly seems insane on their part. I'm genuinely surprised that any business marketing department would send an email with such a clearly stated lie in writing. 

The email also states, " It looks like a lender checked your credit report. If you already got a personal loan, confirm the details for us and we'll look for chances to refinance and save in the future. And if you're still looking, we can help you compare personalized recommendations based on your needs. Head over to Credit Karma to get started. '' The link from the email to " See the Inquiry '' prompted me to apply for a personal loan with Credit Karma. And again, there is no hard inquiry on my account. 

I do not personally require further action from Credit Karma, as I will be cancelling my Credit Karma account, but I wanted to make a formal complaint to inform the CFPB of this marketing practice as it may inform a larger investigation.
Product: Credit card or prepaid card

I was issued a  XXXX  card for my tax check to go on. So we also you for direct deposit for my husbands pauroll. We were staying in  XXXX   XXXX  Tn and the girl we were staying with  XXXX   XXXX  and her boyfriend  XXXX   XXXX  did our taxes on her computer. I found the information downloaded on a few different devices and hand written. She also traded a cell phone which had our info on also to a  XXXX   XXXX  and her boyfriend  XXXX   XXXX . We had it set up to send text verification code so  XXXX  and  XXXX  show up and take our phone home with them and get the code download our documents and return phone next morning. I have had credit inquiries that I 'm not sure about on  XXXX   XXXX  Discover Bank. On  XXXX   XXXX   XXXX   XXXX  and also on  XXXX   XXXX   XXXX   XXXX  also. I do not know if accounts were opened or denied. Please help me figure this out.  XXXX  and  XXXX  specifically said that they would be keeping an eye on our social security numbers. We have already had {$300.00} removed from our  XXXX  card.  XXXX  has made it good because I had documentation where he was working, police report. I just want to see what I need to do to protect my husband and I since at leas t 4 people have our SS #, DOB, thank you for you help in this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies have violated my consumer rights. An alleged debt being furnished on my credit report is a violation of 15 use 1692b ( 2 ). Why? 
Because it being furnished would mean I owe it but a debt collector cant say I owe anything. Its also advertising to coerce payment which is illegal. There is not ONE law that says ANY credit transaction has to be reported. 

Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice, congress said ANY card, The Credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should alb removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that they remove this transaction from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.

I demand that the credit reporting agencies delete the accounts I have listed on my letter immediately!
Product: Vehicle loan or lease

My vehicle got tolled by mistake three times in one year. The vin number of my car is connected to another bank which Im not a customer and they keeping repossessing the car. My payments are made on time. This is a frustrating situation. The dealership didnt help to verify this problem and fix it. 
This happened three time in one year lease and I would like to take action.
Product: Student loan

Since XX/XX/2016 I have been paying my student loans to NAVIENT. I have never been so upset and am genuinely concerned about the fact that my loan balance is getting astronomical and the amount of monthly payments is just not realistic. I have called and have asked NAVIENT repeatedly over the years for help and guidance only to learn that I have been misguided and given the run-around. In a phone call today I was told I was in mandatory forebearance for 1 year. I have come to find out that this is a blatant lie on their part and I should talk to someone else at NAVIENT. I have wasted several hours today ( of which I have taken a personal day from work to try and accomplish ) only to get nowhere at all. Can someone please help me or guide me as to what I can do.? My loan balance is well over $ 200k and this is causing me stress on a daily basis- I am concerned for my future regarding my credit and finances. I have always have had excellent credit and was told today I was declined for a XXXX Credi card Please help me ASAP Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX  more than 21 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file.

Please remove the following items from my credit report immediately : LVNV FUNDING LLC
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I live at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Recently, I applied to refinance one of our properties and your name was listed with derogatory payment history. 
After calling your polite agent, she informed me that the account number XXXX was listed under my social security number ; last four digits XXXX with XXXX XXXX and XXXX XXXX as the account holders. I have a son XXXX but we live here in California. 
The address in question is XXXX XXXX XXXX in XXXXXXXX XXXX XXXX and the purchase price was {$580000.00}. I am notifying State Bridge of this fraud and would like to file a fraud case against this file, the people living at the address or anyone who was part of this transaction. I have never owned, applied or filed for a loan for that property or any property in New York or anywhere outside of California with State Bridge Company, LLC or any other company. 
What are my next steps? What are your procedures in handling this fraudulent account? I understand the loan was passed to XXXX XXXX in XXXX, so they are next on my list to contact. State Bridge, however, initiated the loan in XXXX of XXXX and so I am starting with that company as they are the responsible party of the initial fraud. I would like to know the loan officers name who authorized and approved the loan and what means of identification were used to obtain the loan? 
I can be reached at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please contact as soon as possible as to your intentions. A police report has been filed in my city of XXXX, California. This has caused me hundreds of thousands of dollars in higher interest, insurance fees and denials of loans.
Product: Student loan

Good evening : Since XXXX of XXXX I have requested Mohela to update my PSLF status, which I believed would have allowed my accounts to have been discharged under several Board Of Education forgiveness policies from the Biden Administration. When I submitted my PSLF certification on XX/XX/XXXX and received a letter on XX/XX/XXXX that they were my servicer, I addressed XXXX & XXXX had not been qualified by Mohela for PSLF and I continued to request the correction for 2 years. In XX/XX/XXXX ; I was told they couldn't qualify the employer although it was the same employer since XXXX. Remind you, payments resume the following month in XXXX and if Mohela didnt make the PSLF corrections-the current balance will be incorrect and my payments will be high. 

In XX/XX/XXXX, My spouse and I submitted our IDR ( SAVE ) application. My spouse gave his income and I have no income as of XX/XX/XXXX, due to unemployment from multiple surgeries caused by COVID 19. After submitting our application we both get placed on Administrative Forbearance in XX/XX/XXXX when my payment of {$900.00} is due XX/XX/XXXX and his {$1100.00} on XX/XX/XXXX. On XXXX I receive a notice, " unable to grant our request ... ... ... .based on the reduction in your family size and/or an increase in income your payments will increase. This was not true. We reported the opposite of an increase in family size and decrease in income. They made an error. We called Mohela for the 4th time and talked to an advance representative and we shared everything again about my XXXX, our PSLF status not updated and my IDR being corrected. 

In conclusion, as of XX/XX/XXXX my account remains in forbearance, my PSLF for XXXX to XXXX finally got qualified but my ACCOUNT BALANCE is not recalculated from qualifying my employment for the PSLF and my IDR is still in processing mode. On the other hand, this doesn't make sense when my spouse IDR has been APPROVED to a lower amount of {$750.00} -starting XXXX XXXX they haven't recalculated his balance based on the 14 PSLF that have been certify by Student Aid on XX/XX/XXXX, but they choose to keep those 14 payments in processing mode. 

***Mohela is corrupt and need to be replaced with another agency. Mohela is putting people in Administrative Forbearance, delaying approvals, not qualifying employers that have been certified by Student Aid and not recalculating account balances that will render lower payments for their borrowers. ****