23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX, I was the victim of a donation scam. Two individuals on the street were soliciting donations for a boy who had allegedly been involved in a shooting. I agreed to donate {$5.00} using Apple Pay since I didnt have cash. However, just before the transaction was completed, they changed the amount to {$2500.00} without my consent. I was charged the full amount, and the scammers immediately fled in a nearby car. 

I promptly contacted Goldman Sachs to report the fraud. They assured me that I was not responsible for unauthorized transactions and temporarily reversed the {$2500.00} charge. I also filed a police report the same day and forwarded it to Goldman Sachs, believing it would support my case. 

However, after completing their dispute process, Goldman Sachs removed the {$2500.00} reversal on XX/XX/XXXX, stating that the transaction appeared legitimate and siding with the scammers. I called them the same day to explain the situation again, and they reopened the dispute while reinstating the temporary reversal. 

On XX/XX/XXXX, Goldman Sachs removed the reversal once more without notifying me beforehand. They never followed up, leaving me uninformed throughout the process. When I contacted them again, they reopened the dispute and reinstated the reversal, but I have little confidence that the final outcome will be different. Given the previous decision, I fear that after another two months, they will once again remove the reversal and hold me liable for the {$2500.00} chargecontradicting their initial statement that I was not responsible for unauthorized transactions. 

I did not authorize this {$2500.00} charge and believe that Goldman Sachs should uphold their commitment to protecting customers from fraud.
Product: Credit reporting or other personal consumer reports

Accounts older than 7 years are on my report for trans union and equi fax that say they are closed but are still reported and also most are fraud from my information being stolen and used Ive reported this several times and no resolve
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my credit report, I notice an account from XXXX XXXX XXXX  that I believe is not being reported correctly on my credit report. On XX/XX/2021, ( See Attached ), I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2021, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus, ( which is attached ), asking them to verify or remove the negative report on my credit report that XXXX XXXX XXXX is reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for almost a year with no success, so I am writing to you to help me with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXXBalance {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXXBalance {$450.00} XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXXBalance {$290.00}
Product: Debt collection

I recently accessed my credit reports as i have been experiencing suspicious calls regarding accounts that I have not applied for and found this account that does not belong to me Since 2012 accounts have been opened fraudulently using my social security card and driving license which were compromised in 2012.
Product: Debt collection

Being charged by same company twice. Original company XXXX XXXX XXXX. 
Transferred to Commonwealth Finance on XX/XX/2018. a ) all info seems to be duplicate. b ) I would think insurance would have taken care of this. Ins was with XXXX XXXX XXXX or XXXX XXXX XXXX. If not duplicate, please show difference in charges. Each is for {$250.00}.
Product: Credit card or prepaid card

I have an account with Chase XXXX and an agreed upon interest rate of 8.99 %. I have had this account since 2005, without a single late payment. I received a letter telling me that my interest rate has been raised to 14.99 %, violating the terms of my contract with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account named " XXXX '' has shown on my credit since XX/XX/2020 stating that I am an " authorized user '' on the account. However, I am not an authorized user on any such account and I never have been. I believe my information has been added to this account either in error or by intentional fraud. I've disputed this with the creditor as well as the credit bureau. The creditor is unable to provide me any assistance on the account, since I'm unable to provide an account number or any verifying information. And the credit bureaus continues to verify the account as " accurate '' even though it absolutely is not.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$29000.00}. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 

XXXX XXXX XXXX
Product: Mortgage

Shortly after purchasing my home I became unemployed. Over the last XXXX years I have been employed briefly and have received some assistance with paying my mortgage through the XXXX. I am currently a part-time XXXX and am receiving a living stipend. I have requested assistance from Wells Fargo Home Mortgage for a Loan Modification and have been denied. A letter has been issued by Wells Fargo Home Mortgage stating that I have until XX/XX/XXXX to appeal this decision. I am working with XXXX, a non-profit housing counseling agency and need additional time to resolve this situation. I would like avoid foreclosure proceedings and stay in my home. I appreciate any assistance you can give me. Thank You.
Product: Debt collection

On XX/XX/2024, I received a call from XXXX XXXX, Senior Recovery Agent with HF Holdings , Inc . Phone : XXXX XXXX fax : XXXX Email : XXXX XXXX XXXX, com XXXX XXXX indicated to me that he was trying to collect {$6300.00} from me and stated that I had a relationship with a company called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and an individual with that company by the name of XXXX XXXX had purchased inventory from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX. Phone : XXXX XXXXXXXX XXXX XXXX XXXX called me on my cell phone with threatening tones and stated to me my social security number and other family members names. I informed XXXX XXXX that I had nothing to do with that company or XXXX XXXX creating a debt. He continued to make phone calls and send over documents showing that XXXX XXXX and XXXX XXXX created a debt with his client. I stated to XXXX XXXX that he was trying to fraudulently collect money from me that I don't owe, however he continues to call and harass me.
Product: Checking or savings account

Last month in XXXX ; I reported XXXX and talked to my bank. The bank said the only way to stop transactions was to pay the balance and close the account. I arranged this over the phone. When in fact, they never closed the account. I incurred more charges and again brought the account current and they refunded the overdraft. Now they have failed to still close the account and have told me I need to go to a branch. On top of that XXXX has yet again transacted against my account. I no longer live in the state and can not appear at a branch. I will not be paying yet another XXXX charge and overdraft, I assume the bank will close my account after so many days in overdraft. 

XXXX is in the wrong for transacting after I revoked their authorization. Huntington is at fault for not giving me appropriate dispute options, misinformation on repeated calls, admitting fault and then allowing it to happen again. I am not in a vicious cycle of XXXX taking unauthorized payment, my bank charging me on an account I have tried to close that they fail to close. I can not win.
Product: Student loan

On XX/XX/2018, my student loan service provider ( XXXX f/k/a XXXX XXXX XXXX ) for the past 10+ years, transferred my loan to a new service provider ( Nelnet ) without my permission ; and the interest rate is wrong.

I have placed numerous calls and have sent numerous emails to both Nelnet and XXXX to rectify the problem, to no avail. In fact, XXXX placed a call to Nelnet explaining that lender incentives of 1.375 % interest rate reduction ( see attached ) was supposed to be applied against the 8 % Nelnet is reflecting ( to properly state my rate at 6.625 % ). Despite all my communication efforts, Nelnet has not corrected their error.
Product: Mortgage

I have a loan modification under HAMP. IndyMac was servicing the loan and transferred it to Ocwen two - three years ago. Under the terms of my loan, my interest rate goes up one percentage point every year until it maxes out at 5 % for the rest of the life of my loan. My interest rate started at 2 % for the first five years of my loan. When the interest rate went to 3 % in 2015, Ocwen, not only increased my payment to cover the interest rate increase, they reamortized my loan and took an additional {$150.00}. - to {$200.00}. per month of my principal reduction amount and applied it to the interest. They did the same thing when my interest went to 4 %. They are RESETTING my loan, CHANGING THE TERMS and VIOLATING TRUTH IN LENDING LAWS. Every time the interest rate changes, per the terms of my HAMP modification, Ocwen increases my payment to cove the interest rate increase. This is spelled out in my documents. HOWEVER, there is no DISCLOSURE that my loan amortization will be reset ( my principal reduction amount is reduced by {$200.00}. per month ) and that they will take an additional few hundred dollars of the principal and charge it off as additional interest on my loan. 
They are violating the terms of my HAMP modification, there is no disclosure, they are double-dipping on the interest by stealing from my monthly principal reduction amount and I should be entitled to damages. I have called them numerous times and they continue to tell me my payments are applied correctly and sent me a copy of my HAMP documents ( which I already have ). 

If they are doing this on my loan, they are doing it on thousands of loans. I need consumer protections because I believe they are in serious violation of disclosure laws and have changed the terms of my HAMP modification.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit union regarding multiple overdraft fees I have incurred. despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits this issue alliance with the recent CFPB findings against Navy Federal for similar practices where transactions settle with insufficient balances despite initially available funds I believe these practices are unfair and request an investigation into my accounts transactions.
Product: Payday loan

A company called cashnet has provided me a credit of {$1000.00} and have been taking over {$200.00} every other week. Specifically : {$240.00} on XXXX/XXXX/XXXX ; {$250.00} on XXXX/XXXX/XXXX ; {$270.00} on XXXX/XXXX/XXXX ' My account # is XXXX. The credit still stands at about {$1000.00}. I should be grateful if the Bureau could investigate and resolve this matter. 
email : XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

This account was part of a XXXX forbearance. When the XXXX forbearance ended they marked me as 120 days late even though our arrangement to get it current was fulfilled and no payments missed. This is fully inaccurate, proof enclosed. The loan underwent a loan modification that included XXXX trial payments to be made in XXXX, XXXX, and XX/XX/2023. The conditions of those payments stated that as long as the payments were made in the month they were due, they would be considered on-time and apply. All three payments were made. At the end of the three payments, their information suppression failed causing a 120 day late saying no payments had been made, even though they had. Please note that for XXXX payment, it was posted on their website in XXXX but the charge did not hit my bank until XX/XX/XXXX. This does not affect the agreement as it was scheduled via their online portal. They removed this late data before recognizing it was a mistake, only to reinsert it without warning. All three trial payments were made but upon completion of the trial payments my account was immediately flagged as 120 days late.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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 XXXX
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$19000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$30000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$430.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I have a navy account for years. I have used their transfer services and made transactions for years. On XX/XX/year>, I added an account to but did not make the transfer especially after I was advised the account was not a good account. I did an appeal with Navy and they denied my appeal. According to there reason was Based of the facts of the investigation, we determined that was no error and that I benefited from the transaction. That was the only info they provided which is incorrect. I also never got a confirmation that they transfer was even submitted. I did a XXXX transaction in the amount of {$1500.00} and I did authorize that and I received confirmation. However, that {$3500.00} I did not get a confirmation. I did attach letters and my email account that show nothing came to me notifying me that I submitted that payment..
Product: Mortgage

I inadvertently made a double mortgage payment, one manually and one threw automatic withdrawal. I have spoken for hours to at least 4 representatives explaining the situation and requesting reimbursement for one of the payments. They requested an unreasonable amount of information to process a reimbursement, however, all of the information requested was provided by my bank twice. I finally spoke with a representative on XX/XX/XXXX that said they had all of the information required and initiated the return of the second payment. I thought the issue was resolved until I received another phone call on XX/XX/XXXX, where yet another representative said that they did not receive the required correspondence. I would appreciate any help in resolving this matter.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$340.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX : {$470.00} XXXX XXXX XXXX XXXX Balance Owed : {$250.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX  XXXX Balance Owed : {$220.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have filed a dispute against the company Spring Oaks Capital Management LLC with all three credit bureau agencies citing the fact that I have no knowledge of this creditor or the account in question and both XXXX and XXXX have removed the account from my credit report XXXX is the only one that hasnt removed the account
Product: Mortgage

In XXXX of XXXX I signed a modification agreement with my previous servicer XXXX XXXX. I included the authorization to auto debit my account for the monthly payment. Due to work and a death in my family I was forced to travel extensively for the next 4 months. 

In XXXX of XXXX I was notified that my house was up for foreclosure. I was not aware there was any missed payments since the modification agreement. 

In early XXXX I learned that my mortgage servicer had been changed to Rushmore Loan management services. located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX My Loan # with Rushmore is XXXX. 

On XX/XX/XXXX at XXXX we contacted Rushmore loan servicing. We informed them that we have a modification agreement in place with XXXX XXXX We were transferred to XXXX In " the authorized department ''. He stated if we do have a modification agreement, we should submit it because they do not have record of it. He also stated that if we indeed have the agreement, they will honor it. 

On XXXX we received a copy of the modification agreement including the newly executed deed of trust, from XXXX XXXX 

On XXXX we submitted a QWR and notice of error to Rushmore that include the deed and notarized modification agreement. 

on XXXX we received a response that notified us that they did not have a copy of the modification agreement and were soliciting it from XXXX XXXX. ( They did have a copy we sent XXXX to them on the XXXX of XX/XX/XXXX ). 
on XXXX we requested an update from Rushmore they informed us that they found a denial letter dated in XXXX of XXXX. 
on XXXX we requested all evidence of denial. 
on XXXX we were told we will receive a copy of the denial in the former answer To date XX/XX/XXXX we have not received the formal answer. 

We do not agree that the Modification was denied. 
On XX/XX/XXXX or XXXX of XXXX, XXXX XXXX spoke to XXXX XXXX, and they walked me through the signing process and explained how to get the agreement notarized. Why would they help me notarize a modification that had been previously denied. It would make absolutely no sense to do so. 

Rushmore 's has not responded with in the 30 days as promised, They also are taking time that we do not have. They have a foreclosure scheduled for XX/XX/XXXX. 
It behooves me to understand why they are counting on a document they claim denies the modification in XXXX of XXXX while XXXX acknowledged the modification by their help on XXXX XXXX and their recordation of the modification in their own servicing file. Rushmore should request the phone records of XXXX pertaining to this account. Once they have the accurate information they should honor the modification agreement put in place by XXXX XXXX 

Rushmore needs to rescind the foreclosure sale and re-instate the modification as agreed to by XXXX XXXX
Product: Checking or savings account

While making a deposit to the ATM right outside the bank during after hours, there was an issue with the machine. It turns out it did not accept the bills but it accepted the checks. When we left the ATM machine we were in belief that all the checks and cash were accepted but it turns out that was not the case.
Product: Debt or credit management

My information was apart of a data breech prior to XXXX. I signed up for the protection services then. However, I can complete a simple XXXX  search of my first and last name and still see all of my personal information online. Some of which is valid. 

I can not afford a protection program. I have had multiple collection agencies contacting me saying they purchased my debt and it is now suing me. I dont understand any of it. I can not afford a lawyer. I believe the assistance/monitoring back then was temporary. 

It seems all of this began somewhere around the XXXX information breech. Please help get my PII off of the internet and rid my credit of these collection agencies that the bureaus continue to say is valid after a non existent investigation. 

I continue to be approached by scammers, unable to decipher what is offered is authentic. Why and I not protected. I did nothing wrong.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX