23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, account number XXXX is appearing on XXXX, XXXX and equifax credit reports.The problem is not that I quit paying in mid XX/XX/XXXX, the problem is the extenuating circumstance regarding the responsible party, my ex-husband.My husband the typical breadwinner abandoned me with XXXX small children in late XX/XX/XXXX.I was a stay at home mom with only a part time job.Everything financial was dependent on my husbands income ... he just left us.I tried to make payments as long as I could but I couldn't feed the kids and keep a roof over our heads. 
I got divorced for non support and abandonment.Even though my husband had access to the credit the card was in my name.I can't go after him for the money even though the debt was his responsibility to me.This debt is now 4 and half years old and I'm trying to make a fresh start, I am trapped like a co-signer.Could this account be deleted because the responsible party is my ex-husband.I am becoming stable now and would hope to be able to recover to do business with XXXX in the future .
Product: Mortgage

I am refinancing an existing loan with the same lender ( Bank of America ). Got a closing date of XX/XX/XXXX and Closing statement. On XX/XX/XXXX, Loan officer called and mentioned there is one credit card which is not available in the credit report provided by their credit report provider. I have provided the credit card statement, but the loan officer want me to call the credit report provider and add that credit card to the report or they will not proceed with the loan. I explained, the credit card is active for many years and it is not my responsibility to add a debt to any credit reporting agency. Now, they are not allowing to proceed with the loan and I do not want to add any debt to my report.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX We received text messages inquiring about a potential fraud charge at a XXXX for over {$300.00}. After responding no we received a phone call immediately pretending to be XXXX bank and advising our acct was compromised. Asking for verification like the username and sending codes via text to confirm identity. This allowed the perpetrator access to our online banking and they wired themselves {$9300.00} plus we were charged a {$25.00} wire fee. The bank who received the funds showed TD Bank in XXXX XXXX and the suspect with the account is XXXX XXXX XXXX. Supposedly XXXX requested 3 times that TD Bank return the fraudulent funds in the amount of {$9300.00}, but TD bank provide any updates and has no phone numbers for whom we can contact and their representatives refuse to speak with me. They advised our bank or detective can contact them on their back Office number that they should know. Neither XXXX XXXX  XXXX XXXX XXXX with XXXX XXXX police have any knowledge of this back office number. When I reported the issue on XX/XX/XXXX I was advised by XXXX it would be 3-5 bus days to complete the investigation/funds returned. XXXX called me on XX/XX/XXXX to advise someone would be reaching out to discuss from the fraud wire dept and no one has. The branch says they have done all they can do. Even XXXX the branch manager in XXXX XXXX is complacent to the issue and speaks as if theres nothing they can do. I spoke with TD bank today, and they advised me that XXXX can in fact call their back office and receive information. XXXX at the branch said made a XXXX way call to TD bank with myself on the line and contacted XXXX ( XXXX resolution group ) but they transferred our call and the end result was an automated message with an email to contact with. The email is only for law enforcement-as I emailed and the automated message said it is for law enforcement only. TD Bank refuses to talk to me and wants to talk with XXXX bank regarding this fraud case, however, even XXXX is getting no response. I have filed a police report with XXXX XXXX, Report ID XXXX for the criminal offense but havent been able to get any information about my funds being returned. What poor customer service to leave your customer hung out to dry and callously explain repetitive info that you have as a courtesy already escalated it and have done all they can do. TD Bank should be required to comply when funds have been identified as fraudulent. I have filed also with the FTC report # XXXX and with the FBI ( XXXX ). Please help me recover our funds that were stolen and deposited at TD Bank XXXX A/C XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX : XXXX
Product: Prepaid card

As new information arrives from Bank of America this case becomes more and more crazy. And still no answers. In the mail last XXXX appears 19 pages of transactions. The 19 pages was Bank of Americas " proof '' that these were mine. This tells me nothing. It doesn't give proof that I was the one who made these transactions. I am not even sure why the 19 pages were sent to me as all but XXXX were my true transactions. This has now gone on for XXXX years and to say that I am beyond frustrated with the way BofA has handled this should go without saying. XXXX years and i am being sent transactions that I have not disputed intermixed with those that are not mine. In the XXXX pages and XXXX transactions that are not mine the money I am owed is {$5400.00}. In addition to the XXXX pages I continue to get in the mail new claims and new claims numbers. The only list that you should have gone off of arrived with the police report in XXXX. That is a complete list of transactions that are not mine. I also have noticed on the XXXX pages sent that the dentist who was issuing a refund and I have emails stating that they did their own internal investigation and found the charges to be fraud. They were going to issue a refund for over XXXX Why did BofA not post this refund to my account?? Why is it still on the XXXX pages?? XXXX, XXXX, XXXX XXXX they are all still on the XXXX pages and you still think they are my transactions. When even the company knows they aren't. 

I would like a provisional credit of XXXX. While you take the next 4 years to sort this out. I am tired of waiting for my money.
Product: Prepaid card

On XX/XX/2024, I transferred {$350.00} and {$420.00} from my American Express Bluebird account to my XXXX XXXX Checking Account. On XX/XX/2024 XXXX returned the two transfers as Bluebird by American Express deemed them coming from a non transactional account and refused them. 
I was then hit with multiple {$29.00} returned item fees from XXXX 
On XXXX I contacted the XXXX complaint # XXXX and received a written response from American Express on XXXX/XXXX/204 that stated that they would not assist in this matter. 
To this date the {$770.00} was never returned back to my Bluebird account and that money is a part of my monthly Social Security XXXX XXXX. Which I need to survive. 
I also contacted the State Of Ohio Attorney General regarding this matter on XX/XX/2024 the complaint # XXXX. The Ohio Ag referred me to the Office Of The Comptroller of The Currency who advised me to contact your office.
Product: Credit card

I received multiple 0 % interest rate balance transfer offers from Barclay Bank. I did take advantage of one of these offers from Barclay. I transfer a balance from XXXX to a new Barclay Credit Card. I was charged a transfer fee of {$54.00} which I agreed to, in exchange for 0 %. After reviewing my statement which I should of done earlier, I see I have been assessed interest charges. They are as follows : XX/XX/2016 INTEREST CHARGE-BALANCE T XXXX XXXX/XXXX/16 INTEREST CHARGE-BALANCE T XXXX XX/XX/2016 INTEREST CHARGE-BALANCE T XXXX XX/XX/2016 INTEREST CHARGE-PURCHASES XXXX XX/XX/2016 INTEREST CHARGE-BALANCE T XXXX XX/XX/2016 INTEREST CHARGE-PURCHASES XXXX XX/XX/2016 INTEREST CHARGE-BALANCE T XXXX XX/XX/2016 INTEREST CHARGE-PURCHASES XXXX I have called Barclay and asked that they reverse those charges and honor the 0 % offer. The last person I spoke with was '' XXXX ''. I have a claim # XXXX. Phone # for future communication XXXX. I also explained to XXXX, that I called the phone # on the Barclay 0 % offer letter and spoke with a person who was hard to understand and did not speak good English. But, they assured me the promo would take effect immediately. 
In closing, I asked that all interest charges be reversed and the promo instated.
Product: Credit reporting, credit repair services, or other personal consumer reports

reporting incorrect information and not verifying the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a new hard pull credit inquiry from a company called XXXX XXXX, on my transunion report. Date of Inquiry was XX/XX/2023. I never made an inquiry to this company for credit of any type and have never done buisiness with them. 

When contacted on XX/XX/2023, the company said that I must have applied for a loan, and then refused to delete the inquiry. Transunion refused to delete the incorrect information from my account when I contacted them by phone on XX/XX/2023, and referred me back to the original company that made the inquiry without my permission. 

I never applied for credit from this company, and never authorized them to check my credit for that purpose. I would like this inquiry deleted.
Product: Payday loan, title loan, personal loan, or advance loan

ONEMAIN FINANCIAL OVER CHARGED ME ON A {XXXX LOAN, WHEN I CALCULATED THE PAYOFF IT WAS {XXXX} & THIS IS NOT RIGHT TO DO CUSTOMERS THIS WAY SO I THINK IT'S ONLY RIGHT TO COMPENSATE EACH & EVERYBODY THAT WAS DONE LIKE THIS.
Product: Mortgage

Specialized Loan Service has failed to reply to the entire NOE sent to them in the previous complaint. They only answered certain parts
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were was found in my reports. The XXXX/Experian/XXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : Experian : XXXX XXXX XXXX Balance : {$200.00} XXXX : XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX Balance : {$200.00}
Product: Payday loan, title loan, or personal loan

It was with my credit attorney but I am going to try to see about getting this removed. I was under covid 19 financial hardship among other things at this time
Product: Mortgage

On XXXX XXXX, XXXX I submitted a repeal letter for the denial of my loan modification. I was denied again because I was unable to submit the documents due to slow respond from my medical provider. I was told to reapply. I have not received loan modification form for the requested loan modification as I was told I needed to submit new forms. 

I was also that by XXXX my representative that the foreclosure date had been extended until XXXX XXXX. I asked for a letter confirming this and have not received one yet. This is very upsetting and disturbing for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION has reported incorrect information to my credit file and refuses unlawfully to remove it. XXXX  XXXX credit card services incorrectly charged me a late fee and added missed payment to my file. on XX/XX/2022 XXXX XXXX caught mistake and issued XXXX late payment reversal credit to my account ending in XXXX, also removed late payment from file. After reporting this to TRANSUNION and providing proof they still have refused removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent a dispute by mail asking what form of verification was used to verify the said Debt that doesnt match my records. they claimed that the furnisher has verified it and they dont need to show me proof ... iv reached out to the funisher and they havent responded to my mail or phone calls, yet XXXX  still claim its verified ... its been 6 months iv tried working on this and im being told the same thing ... iv requested informtation regarding the verification on the debt with 2 certified letters now and havent recieved anything but a credit report copy, that i can get get online for free...
Product: Credit card or prepaid card

Fraudulent Army Airforce Exchange charges, requested removal authorized user Unable to contact Exchange Services Communication with Impersonating Representative Request removal with provided documentation XXXX  Alert : Personal Information distributed dark web
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Illinois XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. Validate Account XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. Validate Account XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. Validate Account XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Validate Account XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. Validate Account XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. Validate Account XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. Validate Account XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. Validate Account XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. Validate Account XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. Validate Account XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. Validate Account XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

14. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15. Validate Account XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 

16. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please make sure every report on this credit profile Is 100 % accurate. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

We refinanced a home on XX/XX/XXXX. At the time of refinance XXXX was taken as lender reserve for the first 3 months of payments. Our loan was transferred to Specialized Loan Servicing LLC. We sold this property on XX/XX/XXXX ( prior to the first payment being due ). The XXXX was not credited back to us on the payoff statement. When I called Specialized Loan Servicing I was told this would delay if a new payoff request was performed and that the money would be mailed to me. I never received the check. When I call back 10 days after close I was told the check was in the mail. Then I received a check for XXXX. When I called back the third time I was told that the company never received the XXXX. After continuing to press the company that this was inaccurate I was told that I was charged for those three future payments ( meaning I was charged for future interest and my principle amount wasn't reduced ). I can provide all closing, loan documentation. Each call to this company takes over an hour with multiple people unfamiliar transferring calls to new people.
Product: Mortgage

Wells Fargo notified me that my escrow account was {$870.00} short. I call to ask why. I was informed that my homowner 's insurance and taxes went up. I contacted both agencies and neither amounts changed. I faxed statements from both XXXX and XXXX XXXX. XXXX XXXX. I am asking for a reevaluation of this deficit. I also have XXXX XXXX XXXX XXXX XXXX.
Product: Credit card

I purchased a bed from XXXX XXXX on XXXX in the amount of {$4000.00}. When purchased, financing was offered by XXXX XXXX through Synchrony Bank at XXXX XXXX financing for XXXX months. As of this date all payments have been made on time with no missed or late payments and are automatic withdrawal straight from my bank account. I received a letter from Synchrony Bank on XXXX advising that they are changing the terms of the agreement and are going to charge a 2 % XXXX XXXX retroactive to the original date of purchase. I contacted the bank regarding this change of terms on XXXX with no resolution. I feel that this charge is a violation of contract and should be XXXX  as it does not conform to the original terms. The only recourse is to close your account which negatively impacts your credit.
Product: Student loan

My first student loan began in XXXX while attending XXXXXXXX XXXX  College. After 2 years, I transferred to XXXX XXXX University. Sallie Mae began servicing all of my loans ( including those previously owned by them ) in XXXX. 

Since XXXX, I have been perpetually under-employed. Throughout the course of my " career '', I have barely been able to make any payments on my loan. This becomes important to the story since the XXXX began in XXXX. Since XXXX, Sallie Mae and Navient employees have been purposely steering me away from repayment products which I qualify for that would have helped me to ultimately have my loans forgiven. I have been an employee of a 501 ( c ) 3 nonprofit organization since XXXX. This first time that any agent of Navient ever asked me if I was employed by a " public service '' was in XXXX. 
In other words, Sallie Mae/Navient intentionally did not tell me about the Income Based Repayment Plan nor the Public Service Forgiveness options to reduce and forgive my student loans. They consistently put me in forbearance. They rarely signed me up for deferment and as a result my balance on loans that began as {$21000.00} increased to {$34000.00} in XXXX, an now is {$56000.00} today. Had I been given the information to consolidate my loans to a Direct Loan in XXXX or XXXX so that I could then apply for Public Service Forgiveness, I  would no longer have a student loan. Or, I would be 11 years into the IBR versus 2 years. 

Sallie Mae/Navient committed fraud against me.

Even today, the first customer service representative I spoke with at Navient gave me the wrong information and told me that I did not qualify for loan forgiveness. He then corrected himself twice during our 30+ minute conversation. I have asked that the recording of that conversation and the conversation with his manager be pulled
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : 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: Mortgage

Dear Sir and/or Madam, Please take a very serious note of the financial stress and issues I am experiencing from XXXX of XXXX to the present, as a result of overcharged taxes by Bayview Loan Servicing, of which I have completely documented with substantiating legal proof to that effect. It is extremely important for legal record purposes, that Consumer Financial Protection Bureau is well informed that all efforts on my part have been exhausted due to Bayview Loan Servicing unprofessional excuses and inability from its staff to problem-solve this matter. As a result this major problem and sub-issues are continuing with bulling treats from XXXX XXXX XXXX regarding an upcoming foreclose to my mortgage. 

The following is a summary about the history of the overcharges and financial crises that XXXX XXXX XXXX has inflicted with discrimination on my finances and ability to meet monthly obligations with mortgage payments and living expenses : On XXXX XXXX I received a called from Bayview Loan Servicing informing me that I had a shortage on my mortgage which would be increase from XXXX XXXX because of tax and insurance. I asked to send a statement that was sent and it shows charges for Tax-XX/XX/XXXX and Tax- XXXX XXXX XXXX for the same amount of {$1200.00} My Tax for XXXX was already paid by XXXX XXXX in my mortgage on XXXX/XXXX/XXXX. I called Bayview Loan and talk to several representative and supervisor that recognize the problem and promise to make correction. Each time I called they tell me to wait 60 days, then 30 days, then a Supervisor told me that she will call me back in 15 days knowing that in 15 days my account would be transfer to XXXX XXXX XXXX XXXX. I have continue to pay my mortgage for {$1000.00}. XXXX XXXX has been taking over my account since XXXX and know about the problem and said that they are looking into it since XXXX XXXX they told me to wait 60 days and still charging me late fees and my escrow account as increase, causing me difficulty in paying my mortgage. I have been calling to solve the problem and a representative said that do n't call back she will call me I have been waiting for over a month and I have n't heard from her but I am receiving calls from the collection department treating me of going into foreclosure. I feel that they are taking advantage and stressing me out for a they XXXX up.
Product: Debt collection

2 companies ( resurgent capital, LP, and XXXX XXXX ) are reporting on my files. This account appeared on my XXXX  report, due to a complaint I filled with the XXXX in XX/XX/XXXX. States opened in XX/XX/XXXX, yet was only on my XXXX files until I initiated the complaint with the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the app XXXX XXXX to keep track of my scores. I recently logged on and many unknown accounts popped up with my name and social listed. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts has been trying to continue to open more accounts and inquiries were not made by me. Please take these fraudulent items off my report. 

XXXX  XXXX/XXXX XXXX {$0.00} XXXX XXXX XXXX {$880.00} XXXX  XXXX  XXXX XXXX {$870.00} XXXX XXXX XXXX XXXX {$340.00} XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX {$880.00} XXXX  XXXX  XXXX  XXXX {$710.00} XXXX  XXXX {$960.00} XXXX  XXXX  XXXX  XXXXXXXXXXXXXXXXX {$960.00} XXXX   XXXX  XXXX XXXX  XXXX {$240.00}