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

Hi I made a purchase at XXXX and wanted to immediately cancel. I looked for the customer service number and the number opened up on XXXX XXXX. 
I called the number for a refund and they said since I paid the merchant directly they did not have access to my credit card to refund. But they would refund on behalf on XXXX and in order to do that they asked me to download a software. As soon as I downloaded the software they took control of my phone and stole {$3900.00} to a XXXX. 
I called Venmo to stop the transfer as soon as I saw XXXX balance on Venmo but they did not stop the transfer. 
How can Venmo allow such a large transfer amount when even banks have daily limit of {$500.00}? 
I never made large transfers that should have been a red flag. All other agencies take 2-3 days to clear large transfers- how can this happen immediately? They even paid {$25.00} fee from my account for swift transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing accounts on my credit report for over 90 days and XXXX, Experian and XXXX have not placed these accounts into dispute. They are not placing the dispute comments on the credit file, nor have they changed any reporting of the disputed accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never opened this account. It was opened by somebody without my knowledge or consent. I work as a XXXX in the XXXX XXXX, and I learned about the fraud from a problem with my security clearance. Please remove and correct my history. This is a fraud account that does not belong to me. I am in jeopardy of losing my job and security clearance over this error in reporting. The account listed against me is : XXXX XXXX account number xxxxxxxx XXXX Date opened XX/XX/2015 This was not my account ever. Please remove it.
Product: Mortgage

Our mortgage loan is under the name of XXXX XXXX XXXX, who is the father of my two daughters. However, I pay our mortgage to XXXX XXXX XXXX XXXX. Loan structure was only to pay the Property and Interest only. I pay the property tax and home insurance separately on my own. I lost my job in XXXX of XXXX due to Covid 19. I used my savings to continue the payment up until XXXX of XXXX. The loan holder put the account in forbearance due to Covid-19 because he doesn't want to help even up to this point. The loan was transferred to Selene Finance Servicing. When I got hired to another full-time job, I tried to make a payment but Selene would not even entertain my call. I struggled to contact them because most of their customer service reps wouldn't listen to non-holder. Finally, someone told me to provide a signed form from the loan holder. Loan holder wouldn't sign anything. I provided title to Selene to prove that I am the home owner. They required birth certificate of my children to show relationship, which I sent them birth certificates. I was added as a third party successor of interest and it allowed me to submit a loan modification and assumption of loan. Both were denied several times. I provided a copy of my XXXX XXXX statement to let them know that I have money saved un to resume payment. They denied me again and again due to income. I told them that I can rent on of my room out to a friend. They said that I have to make it happen before I apply again. I provided them the rental agreement to show bump on my income. They denied me again. However, two representatives ( XXXX and XXXX XXXX told me to pay the $ XXXX to keep the account current. I asked my friend who is the renter to lend me an advance payment. When I got the the money, I had to wire the payment to a wrong bank information that both Selene representative gave me. So I created an online account and I did the payment using the online account because I was so worried. The online would not go through if I missed checking any box of the months I missed paying. So I checked all of it and paid $ XXXX including the penalty. After getting the payment, they denied my application and said that income is not enough. They took my money and recalculated the loan and told me that my income is not sufficient enough to pay the loan. I feel that SELENE FINANCE is extorting me and just want to get my home. Now, I am not eligible for loan modification and only eligible for deed-in-lieu. I wanted to keep my house and do not want to loose it. I would need help from you or any agency to hear my cry. Please help me.
Product: Payday loan, title loan, or personal loan

XX/XX/18 - {$84.00} Finance charges on a account that was paid in full earlier XX/XX/18 - {$25.00} late fee charged XX/XX/18 - {$110.00} paid to stop the charges accumulated so that I can work this out with WellsFargo XX/XX/18 - Reversed WellsFargo reversed the {$84.00} charges. Was suppose to reverse the {$25.00} late fee also, but did not.

XX/XX/18 - {$0.00} Finance charges in error.

XX/XX/18 - WellsFargo to return the {$110.00} payment to stop the charges, but not received yet.

XX/XX/18 - Requested {$0.00} to be reversed from XX/XX/XXXX posting. Said it was taken care of on the phone but only reversed {$0.00} XX/XX/18 - Reversed the late fee charged incorrectly from prior request on XX/XX/XXXX Currently I still have a {$0.00} balance that will continue to accrue charges in error.

I am getting the run around having to monitor to see what fees have been added to my account in error. This has probably been going on for a long time because I was not monitoring as closely since I detected the many mistakes made by WellsFargo
Product: Credit card or prepaid card

I called XXXX Bank of America on XX/XX/2020 at XXXX XXXX at XXXX in reference to 4 late payments reported on my credit. This created ticket # XXXX. 

I paid off final balance and closed my XXXX card in XX/XX/2020. I was told by call taker that it looked like a bunch of {$1.00} charges were coming in on the card after it was closed, based on original balance before closure and then added interest due to no balance after account was closed. 

He said the system automatically kept reporting to this to credit bureau and in total reported 4 late payments to my credit report. When I found out about this, I immediately paid the total of the four {$1.00} charges and added late fees that were established, totaling approximately {$30.00}. I found out about this from my mortgage lender who told me about the late payments showing up on my credit report. I was never notified or called about these charges and given the opportunity to pay the fees. The call taker said he would submit form to XXXX Bank of America as well as to the credit Bureau to remove the 4 late payments. He said the bank would call me and send letter by XX/XX/2020. He said I would hear back from the credit card company within 5-7 business and I should see my credit history updated by XX/XX/XXXX or XX/XX/XXXX depending on when it updates. 

I never received a phone call or letter from the credit card company. After not seeing my credit report updated, I called the credit card company on XX/XX/2020 at XXXX XXXX. I received the return call at XXXX XXXX and waited on hold for 16 min. while caller was trying to look up issue, then the line disconnected. I called back at XXXX, the automation would not acknowledge me pressing 1 to be put on the call back list. I called back at XXXX XXXX, I received call back and lady said she didnt see anything on my account, except that it was closed. She transferred me to claims, I was then told my claim was rejected stating they did not see any errors. The caller said there was no further action I could take. I explained again I was unaware of the charges and would have happily paid {$1.00} charge if I knew any of this was going on. He said their practice was to send out letters but said there was nothing on record that confirmed any notices were sent to me and I told him I was never notified of any of these charges. Once I found out from my mortgage lender, I paid them immediately. I now have four late payments on my credit history, which drastically affected my credit score. I would like this removed from credit report as I had no knowledge this had even happened after I paid in full and closed account. 

Thank you for your time.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/2024. Since then, the date of the last activity has been inconsistently updated. On XXXX the date last active is ( XX/XX/2024 ) and on XXXX its ( XX/XX/2024 ) and on Experian it's ( XX/XX/2024 ) if the information is coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed to be INACCURATE. Please delete this account from my credit report. 

Account Name : XXXX XXXX  Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Has violated my rights XXXX XXXX XXXX XXXX XXXXXXXX Has violated my rights XXXX XXXX XXXX Has violated my rights XXXX XXXXXXXX Has violated my rights XXXX  XXXX XXXX XXXX Has violated my rights 15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without written consent
Product: Credit card

I contacted mercury credit card services when I had trouble paying my bill. I contacted them about fraud on my account as well. They started me on a payment plan in XXXX of 2024 my account was not 30 days late at that time. I entered into the program making the first payment immediately which brought my account current. A second payment was set up with the agent for the following month. The agent set the payment for the wrong date and the payment was not drafted from my account. I caught the error immediately and made the payment but my account was marked 30 days late even though it was not. I contacted mercury card services on several occasions to rectify this and I was promised that it would be fixed but it was not. I lost my home loan due to their negligence and error and their unwillingness to fix the error.
Product: Credit reporting, credit repair services, or other personal consumer reports

HiMy mortgage company took advantage of me. Im aware that The CFPB is closely monitoring servicer conduct to ensure that they are complying with all applicable federal consumer financial laws and assisting consumers with resolving delinquencies and preventing avoidable foreclosures. As part of this monitoring, Im aware that the CFPB will continue its heightened review of mortgage servicing complaints, including in particular complaints about challenges working with servicers to use HAF funds.

I have been impacted by COVID-19. On XX/XX/XXXX, I contacted my mortgage Servicer to let them know that I did not have the money to pay for my XXXX XXXX, XXXX mortgage bill, I have been impacted by COVID-19, and I asked what my options were at a time when I was still current on my payments. I told them I was aware of the HAF funds program opening in VA on XXXX XXXX, XXXX, and that I would apply that very day, but that theyre estimating 60-days before any payments covering my mortgage would be made. I specifically asked what contact information I should provide to Virginias HAF program, but I also asked what other COVID-relief remedies are available to me right now in the 60-day+ interim while I wait for my application to be processed. They told me there were no other remedies available. I called them every week in XXXX asking if any other remedies existed, I believe 6 times in total. I called them several times in XXXX asking the same question. I called them several times in XXXX. It wasnt until they told me in XXXX that my condo would be foreclosed upon in 10 days time that they told me I had another remedy available, to defer my payment through forbearance, a remedy I was told that had I employed back on XX/XX/XXXX on the date of my first call with them, I would not have had any delinquencies reported whatsoever. My mortgage company did not act in good faith towards me. I specifically asked them what COVID-relied remedies were available. I asked them a good dozen times and it wasnt until they told me Id be kicked out onto the streets in 10 days time ( even though they knew I was approved for HAF on XXXX XXXX, XXXX, and merely waiting for the payment to be sent to themand VAs HAF program was already in communication with them ), that they told me I had another remedy I could use to avoid foreclosure. They took advantage of me. They lied to me. They did not act in good faith to me. Conversely, I was overly diligent in my efforts to maintain good credit. I contacted them over a dozen times. I should not have to pay for their greedy, foul play lies that has negatively impacted my credit approx XX/XX/XXXX and XX/XX/XXXX with delinquent notices posted to my credit. Id like you to correct their foul play, their unfairness, what I would call gross negligence, on their part. What they did to me is not okay whatsoever.
Product: Vehicle loan or lease

I was under the impression that my payments were going towards principal. When I address this with company and asked that my payments be reassigned to principal I was told they can not do anything about it and going forward to use the principal only option. However I was never given that option. I have paid over {$10000.00} towards the loan yet my principal has barely gone down. I feel as though this is deceitful. Theres no way for me to only pay towards principal only. I want something done about this I feel as though I am trapped in this loan. On top of that I have late fees I was told needed to be paid separately yet there is no option to do so. And in turn I am getting charged interest for the late fees. I was also not made aware of how much interest would cost me totally and that its compounded daily. If I would have known we would have just kept our cash cars. This has beeen the worst experience with an auto loan I have ever had and I would really like someone to make this right. This has a huge impact on my credit and it feels like my principal balance isnt budging at all
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my consumer report. I was shocked to learn that I have been a victim of identity theft. These offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C 1028A and 15 USC 1681q. You have knowingly transferred, possessed or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. I found numerous accounts on my consumer report that were not open by me. Addition to this I have not given any consumer reporting agency written permission to put anything on my consumer report. The law states per 15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Therefore, these accounts should not be reported on my consumer report. This has also caused infringement of my right to privacy for advertising this alleged debt that I do not owe nor have an agreement and/or personal responsibility contract with on my consumer report. This has been hurting me and causing my mental health to be disturbed with severe harm and extreme anxiety, as I am in the process of buying a home for my family. It is also unlawful for the advertisement of any debt to coerce payment per 15 U.S Code 1692d Harassment or abuse. Please remove the fraudulent accounts from my credit report as soon as possible. If not, I will be filing a complaint with chancery court.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with Experian XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( XXXX ) that I have made. It is the result of identity Theft.
Product: Payday loan, title loan, personal loan, or advance loan

I was traveling and had no access to my bank accounts. On XX/XX/2023 I excepted a loan for {$500.00}. I was assured my maximum payment would be no more than {$800.00}. 
Moneystash continues to withdraw money from my account multiple times per month. 
To date they have collectted 9 payments for {$1400.00}
Product: Credit reporting or other personal consumer reports

XX/XX/2023 RE : Social Security Number : XXXX To Whom It May Concern : I XXXX XXXX XXXX, A real human being in the flesh mind body and soul writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX XXXX. My Full Address : XXXX XXXX XXXX XXXX, XXXX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Page 26 | 43 Please send an updated credit report once the changes are complete to my contact information listed.

My contact information is as follows : Name : XXXX XXXX XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXX, MS XXXX Sincerely, XXXX XXXX XXXX Enclosed : copy of State ID and Utility bill showing proof of address SEE ATTACHMENTS!
Product: Credit reporting or other personal consumer reports

According to 15 U.S.C 1681i Section 1A states the FCRA bank system is dependent upon accuracy and fairness. Any inaccurate reports directly impairs the efficiency of the banking system. Also a investigation must be conducted.

Also 15 U.S.C 1692c. Communication in connection with debt collection a ) Communication with the consumer generally 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 In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX acct # XXXXXXXX XXXXXXXX XXXX acct # XXXX and XXXX acct # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 or extortion. 
XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX Balance : {$520.00} DPT EDXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX  Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$260.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$310.00}
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft through XXXX data breach attached is a copy of my identity theft report with all listed fraudulent account on my Experian credit reports Fraudulent Experian accounts XXXX XXXX XXXX {$1100.00} Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I contacted XXXX and Equifax to dispute inaccuracies that I noticed in my credit report. They Credit Bureaus are reporting inaccurate information on my credit profile. 

Today is XX/XX/2021 and I have yet to hear a decision from the credit bureaus. It has been well over 60 days now.
Product: Payday loan, title loan, personal loan, or advance loan

I purchased a service from a merchant on XXXX XXXX. The booking was confirmed. The Merchant missed the appointment and when I attempted to contact them to reschedule the appointment, she did not respond. I emailed her twice on XX/XX/year> and XXXX XXXX. I then contacted Affirm to file a dispute on XX/XX/year> and provided the email documentation. The case was opened on XX/XX/year> at XXXXXXXX XXXX. The case number is XXXX. There were multiple correspondence back and forth where I advised the company that I provided the evidentiary support. Services were not rendered yet, Affirm is saying I am responsible for the loan. I contacted affirm on multiple occasions via phone as well as multiple cases of escalation. I also filed multiple direct complaints which are case XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a fraud account on my credit. I have contacted the company and informed them that this account is not mine, and yet is continues to report on my credit. Please see the attached FTC report and remove this account from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX  XXXX Date opened : XX/XX/XXXX Balance : {$850000.00} and XXXX XXXX  XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$560000.00}. Please update.