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

I was victim of a fraud check that i didn't that it was fraud it happened on XX/XX/XXXX they wanted to an art collab i was happy and they wanted to use me for a painting for their client i said sure why not, they asked for my name and my email they said that they will send in XXXX  dollars in my email account and they want me to put into my bank account so they sent in XXXX XXXX dollars into my email and to send them XXXX in XXXX the money to buy them the art supplies, when it happened my mom came into my room and i was scared to tell her but i told her what's happening and when see saw she informed me that they are fraud checks and told me to quickly call the bank so i did XXXX person picked up and didn't help me didn't even try to help with the issue so i called again i called this lady and she help me a bit she put me into a XXXX  of checks in Bank of America when told what happened the lady on the XXXX  she said that they are fraud checks and if they ask art supplies they are scamming when that call ended i quickly knew i had to go to the bank in person on XX/XX/XXXX, i went to bank of America and they connected me with the lady she informed me that yeah they are scamming and my account was locked so thankful she did say this a good thing the money will erase in a few years but she did say i can make a new bank account but not from bank of America so i was glad to hear that news and i was happy i could make a new account so on XX/XX/XXXX i went to XXXX XXXX and try and make a new account he asked me why did which i told him that a scammer was putting fraud checks into my account i did call bank of America and inform them later on a few minutes go by and help me something that i was so upset about that i need to fix this issue with fraud checks its attached to my social security and when he said that he told me to go back to bank of America and ask them about the issue so i did walk in and i explain the issue with this guy he told me to contact with you guys and to help me with this issue all i have is hope and hoping that this issue can be fixed im going to collage and i dont know if that will cause anything in the long run so please help me.
Product: Credit reporting

I sent this letter on XX/XX/XXXX, but I they have not responded yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I mailed XXXX XXXX XXXX a cease and desist, affidavit of response and notifide bill of particulars and they received them on XXXX XXXX according to tracking number XXXX. I demanded XXXX XXXX XXXX to clear out my debt to XXXX dollars to the XXXX, and Return my down payment of {$5000.00}. I gave them 30 days to respond to my cease and desist and to pay in full and have not received a response.

31 U.S. Code 3123 - Payment of obligations and interest on the public debt
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX 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 1692C- States Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting, credit repair services, or other personal consumer reports

MoneyLion has reported a loan I took out with them as 60 days late. This is not true. I disputed this in the past and it was not investigated properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dates XXXX, XXXX, XXXX, XXXX, I have disputed Case number XXXX, Case number XXXX, I even mailed the court, the credit bureaus stated this account was filed with to see how this was verified on my credit and I have their response stating they dont verify with credit bureaus thats a third party resource. I am very disgusted that a third party is responsible for inaccurate information placed on my credit a long with the credit bureaus. I have a letter included a long with the person I believe this account belong to.
Product: Credit card

Subject : appeal to Wells Fargo research results Case number : XXXX & XXXX Account number ending in XXXX Consumer Financial Protection Bureau, case number : XXXX I am hereby appealing Wells Fargo findings in my case as they are materially incorrect. 

My records show that the Statement Period XX/XX/2023 to XX/XX/2023 shows new balance of {$170.00} due by XX/XX/2023. See Exhibit A. 

This balance was paid by me on XX/XX/2023, from my XXXX checking account. See Exhibit B. 

However, this payment of {$170.00} was NEVER reflected on the next Statement Period XX/XX/2023 to XX/XX/2023. My payment of {$170.00} was NEVER credited to the Balance. The only thing that was credited to the Balance, were Cash Rewards in the amount of {$14.00}. See Exhibit C. 

Per my phone conversation with Wells Fargo Customer Service, a lady on the other end told me flat out, we dont have to credit your payment toward the balance, which is exactly what was erroneously implemented. However, under XXXX ( XXXX XXXX Billing Act ), my payments should have been credited against the existing balance thus lowering the amount due in the next statement. 

Therefore, the New Balance of {$430.00} is incorrect. It should have been as follows : {$430.00} - {$170.00} = {$260.00}. I do NOT owe more than this amount to Wells Fargo. They will receive this last payment on XX/XX/2023 ( due on the XXXX ). I have closed this card and will never look back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission : XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$72.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$94.00} XXXX XXXX : {$7500.00} XXXX XXXX Date of inquiry : XX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Debt collection

Good morning, I had an bank account inXX/XX/XXXX with Navy Federal credit union. I took a out a personal loan because of the damage that Hurricane Michael did to my home. I became delinquent with my loan. After so many threats from navy federal credit union I decided to close my account because I could not afford the loan payment at the time. I set up an arrangement with the credit/loan department. Fast forward toXX/XX/XXXX, I checked my credit score and I have a loan debt on my credit for $ 18k? and I only borrowed {$3500.00}. I was in total disbelief that they improperly reported that amount in debt to the credit bureaus '. They have sold my information to a debt collector and I am currently waiting on a call back from Navy federal Credit Union to be informed about who the debt collector currently is. I currently hired a credit expert to look further into this matter. I just read the article about the mean, rude and deceiving practices Navy debt collectors were doing to bank members about delinquency in loan payments. It very much seems that they are taking a new approach by improper reporting debt amounts to credit bureaus. It's very unfair to members. Especially service members which I'm sure is being affected by this as well. 

Thank you for reading.
Product: Checking or savings account

My mother is XXXX years old. My mother had {$120000.00} invested with MBNA in CD 's. They merged with Bank of America. I went to my local branch in XXXX on XXXX XXXX, where they refused to provide me with any information, and told me I should " forget about it! '' I tried calling the bank 's main office, but could not speak with a live person. I called the branch back and requested a corporate number. The assistant manager refused me my request and said the manager would call me the following week. Of course I never heard from either one of them again. 

My documents indicate these investments. My mother and I are entitled to all the money she is entitled to, including of course any interest. 

They are a pitiful excuse of a bank, and after reading my reviews, I hope that others will not have to suffer similar consequences.
Product: Credit card or prepaid card

I have a homedepot credit card that I opened to replace window in my home had an introductory rate of 0 % for 24 months. When I opened this account I was under the understanding that when the promo rate expired then I would be charged 25.99 % in interest. I got my latest statement and was fuming to see that they are charging me XXXX in interest. I have a balance of XXXX on the card this interest is more than half the balance. I called and spoke to a representative and stated there is a mistake in interest fees. She told me they calculated the interest from the start of the promotion to when it expired and it was cumulative, I said this is more than half the balance of the card and was unaware they were going to do this. I states if I look at the interest this is not 25.99 % its more like 50 %. She said she would not help me. I looked at my statement and read how they calculate fees and it is not clear anywhere that they Accumulate interest on any promotional balances. First this company is not honest in there promotions and what they do with them, second I took a look at my credit limt on the account they lowered it from XXXX to XXXX no notification at all no letter, no email. Second this takes me over the credit limit all the time where I would get charged an over the credit amount fee. Why would anyone in there right mind agree to a promotional rate and then pay an exorbitant amount of interest when that runs out.I thought it just went to 25.99 % interest when it expired. I need help with this company I feel s ripping me off.
Product: Credit card or prepaid card

On XX/XX/2018 I filed a dispute with Netspend in the amount of XXXX. I accidentally paid XXXX more than what I wanted to pay. Called merchant they didnt do anything. Called Netspend talked to them. Was told to file a dispute so I did. They emailed something to fill out. I told them I have no printer or any way printing anything out. They never sent me anything in the mail. They will not credit my account. Told me I have to wait until they update me on the XX/XX/XXXX.
Product: Mortgage

For weeks I have tried to login to my account. The website keeps providing the message " Network error. Please try again later. '' This message is received after entering my user name, answering the challenge question and providing my password. This is preventing me from managing my account online and as a result I have to send payments through my bank 's bill pay option.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inclusion of a fraudulent account on my credit report and request its removal under FCRA 15 U.S.C. 1681c-2 ( Section 605B ). The account in question was opened or accessed fraudulently as a result of the XXXX data breach, which compromised my personal information. Account # XXXX has violated my rights. Account # XXXX has violated my rights. Account # XXXX, has violated my rights Details of the Fraudulent Account : Account Name : XXXX XXXX  Date Opened : unknown As stipulated under Section 605B of the FCRA, I have attached the following documentation to support my request : 1. A copy of my government-issued identification.

2. Proof of my current address ( [ e.g., utility bill, bank statement ] ).

3. A copy of the FTC Identity Theft Report or police report documenting this incident. 







This fraudulent account was created without my knowledge or consent, and its presence on my credit report is inaccurate and harmful. Pursuant to the law, I request that this item be blocked and removed from my credit report within the required timeframe of XXXX business days upon receipt of this letter and supporting documentation. 



If you require additional information, I can be reached at [ your phone number ] or [ your email address ]. I appreciate your prompt attention to this matter and look forward to your confirmation that the fraudulent information has been removed. 



Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Georgia, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a car loan loan on XX/XX/2021 through XXXX XXXXXXXX XXXX XXXX, I purchased the car through a local dealership. Our loan paperwork showed our first payment was not due until XX/XX/2021 and then the XXXX from there on out. It has been current each month, the XXXX the payment was posted on XX/XX/2021, which would only make it XXXX  days past due date. However, the bank is saying it was XXXX  days behind which isn't accurate and I have proof. They refuse to remove the derogatory mark.
Product: Money transfer, virtual currency, or money service

WELLS FARGO- owes us {$55.00} x 24 months Plus {$280.00} ( for annual PCI fees ) = {$1600.00} total. My last conversation with them I was told they were investigating it and would get back to me. No response yet from them ... .. Then they said we were being billed {$55.00} because we did not have a PCI compliance with them. We sent them a cancellation letter almost two years ago and we do have a PCI compliance with our new company. They will not give us our money back.
Product: Credit reporting or other personal consumer reports

After obtaining my consumer report, I noticed some inaccurate information reporting on my XXXX XXXX account ( # XXXX ) by both Experian and XXXX. As a consumer, I have the right to accurate and fair credit reporting under the Fair Debt Collection Practices Act ( FDCPA ). 

Inaccuracies in Experian Reporting : Incomplete and Inaccurate Balance Information : XX/XX/XXXX : Experian reports two different balances, {$1000.00} and {$950.00}, which is inconsistent and inaccurate. 
XX/XX/XXXX : Reported balance of {$730.00} ; XX/XX/XXXX : Decreased balance of {$710.00} with a {$0.00} payment for XXXX, which is incorrect. 
XX/XX/XXXX : Reported balance of {$770.00} ; XX/XX/XXXX : Decreased balance of {$130.00} with a {$0.00} payment for XXXX, which is inaccurate. 
XX/XX/XXXX : Reported balance of {$760.00} ; XX/XX/XXXX : Decreased balance of {$710.00} with a {$0.00} payment for XXXX, which is incorrect. 
Inaccurate Payment Dates : For the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, Experian reports the same payment date of XX/XX/XXXX, which is inaccurate. 

Inaccuracies in XXXX Reporting : Inconsistent Charged Off Status : XXXX reports a charged off status, but this status does not reflect in the monthly rating for the charged-off months, which makes this reporting inaccurate. 
Incomplete Balance and Payment Information : Most of the balance, scheduled payment, and amount paid information is blank, which is incomplete and inaccurate. 
Inaccurate Balance Reporting : For XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XXXX reports balances of $ XXXX while the highest balance this account has carried is {$1100.00}. This is incorrect. 
Inaccurate Delinquency Reporting : XXXX reports the account as delinquent for 30 days for two consecutive months, XX/XX/XXXX and XX/XX/XXXX, which is inaccurate.
Product: Mortgage

In XXXX I contacted Rocket Mortgage because I suffered from a hardship because of covid. Rocket Mortgage offered me a Federally Funded Forbearance for three months and then for an additional 3 months. I needed the Forbearance because I had lost my job due to covid. I didn't want to loose my house. They sent me a letter saying that the deferred payments would be added to the end of the existing mortgage - that the mortgage would be modified by extending the term of the original mortgage so the deferred XXXX payments would be made at the end of the mortgage term. 

In XXXX of XXXX, Rocket Mortgage refused to Modify my mortgage, and is now demanded the XXXX deferred payments be made in one lump sum, otherwise they will foreclose on my house. I used the deferment during a national emergency, and if I knew that my home would be at risk for foreclosure, I would not have opted for the forbearance. It seems this is a targeted attempt to purposedly foreclose on my property. I have a XXXX XXXX XXXX daughter who lives with me, I have never been late on any mortgage payments, and I thought the deferral was part of a government assistance program to help people during covid. Now I am at risk of loosing my home. Rocket Mortgage will not accept any partial payments, will not accept my usual monthly mortgage payment, and is doing this to expedite the foreclosure process. They claim I owe {$19000.00} and my home is worth significantly more and I am at risk of loosing my entire lifes savings, because of this deceptive unethical business practice, that I thought was part of a federal program.I need help, they have reported the deferred payments as late to the credit bureaus. Eliminating any chance of me and my daughter ever being able to purchase another home.
Product: Debt collection

There are XXXX navy federal accounts that has been opened in collections with XXXX XXXX, since XXXX. It's showing on my credit file that the XXXX accounts with the collection debt XXXX XXXX ( Navy federal ) will be removed in XX/XX/XXXX. When it was previously supposed to be removed in XXXX of XXXX, XXXX years after the original date. XX/XX/XXXX will make XXXX years these XXXX accounts been in collections on my credit report. I am requesting for these accounts to be removed off my credit report with all XXXX  bureaus.
Product: Credit card or prepaid card

Disputed {$100.00} of {$400.00} charge from XXXX XXXX because this was the delivery fee, and the delivery persons came late and refused to wear facemasks during delivery. Bank of America refuses to remove this fee and states that I complained of discrimination. I didnt complain of discrimination ; I asked them to resolve removing {$100.00} with the merchant because I wasnt satisfied with the goods and services provided- had I known that delivery persons wouldve refused to wear facemasks wouldnt have chosen this service.
Product: Credit card or prepaid card

I have been calling for weeks to report my credit card lost and can not get in touch with anyone. I see theres a balance higher than I should have. I also can not make a payment online or over the phone and I dont want to get charged fees or interest for not paying my card when the company does not allow me to
Product: Credit reporting or other personal consumer reports

There is an UNAUTHORIZED and FRAUDULENT inquiry on my credit report ( XXXX XXXX XXXX XXXX XXXX ). I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately. 

I am writing to request that Experian takes immediate and corrective action to address this issue in compliancewiththeFCRA. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Date XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX CA XXXX Subject : Reinvestigate Late Payment Dear Experian, I investigated this Late Payment Error referencing the Account name XXXX XXXX  Account # XXXX, and it returned verified on XX/XX/year>. Per USC 1666B, A Creditor may not treat a payment on a credit card account on an open-ended consumer credit plan. Please provide a verification method without using the E-Oscar system, starting with the name of the individual who worked on the dispute, date, and time. List every third-party resource used to help with the verification process. These inaccuracies have affected my creditworthiness. If you can't provide this, please make the necessary corrections to my consumer report with NO DATA or Current. 


Sincerely, XXXX XXXX
Product: Student loan

I have several private student loans with Sallie Mae now Navient back in XXXX from a fraudulent for profit school ... The Illinois XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am waiting on a decision from another Navient school misconduct regarding private signature loans. Application was in XX/XX/XXXX and is in administrative forbearence until XX/XX/XXXX. The monthly payments and loan balance are extremely hard to pay due to the increased interest rates. I have attempted many times reaching out to Navient about different programs and forbearance throughout many years but according to Navient I have exhausted all my options and no other plans available. Several years ago I was homeless and I expressed this to Navient and they still wanted full monthly payment. Because of the interest rates my total loans are raising to {$60000.00} and my monthly payments are {$700.00} and this amount due each month INTEREST ONLY which I can not afford. I'm am struggling just to afford to live over here and I have lost so much because of these loans, I am emotionally physically and mentally drained from this whole situation.This particular private student loan is called XXXX XXXX and was taking out to afford the program from the school that committed misconduct. These loans are decades old with no chance to pay off. I still owe double in what I graduated owing when I started this nightmare in year XXXX ... balance {$58000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Equifax are not responding to any letters I sent in for Debt Validation. I have multiple incorrect errors on my credit report that they are not reporting correctly. 

ACCLAIM CREDIT TECHNOLOGY OPENED XXXX XXXX NOT VALIDATED, WILL NOT RESPOND WITH VALIDATIONS DEBT IS NOT MINE XXXX XXXX XXXX OPENED XX/XX/XXXX NOT VALIDATED, WILL NOT RESPOND WITH VALIDATION DEBT IS NOT MINE XXXX XXXX XXXX OPENED XX/XX/XXXX WILL NOT RESPOND WITH VALIDATION DEBT AND ACCOUNT WAS NOT MINE XXXX XXXX XXXX  OPENED XX/XX/XXXX WILL NOT RESPOND WITH VALIDATION DEBT AND ACCOUNT WAS NOT MINE