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

Since I have not attended college since 1995 both XXXX Equifax XXXX and XXXX  are all violating the fcra by attempting to collect a debt unenforceable and out of range by 14 years. I received a scam call in order to consolidate all my student loans which unfortunately more than 24 years ago at compounded and since I had interest in going back to school I thought it worthy to take a look at how XXXX XXXX contacted me they assured me that they would then consolidate all of my alone so I could go to school and that was not the case. One of them to this day still refuses to consolidate with XXXX and I am hornswoggled and beaten by the credit reporting agencies and a very very very powerful Bank who doesn't seem to get the message from the last lawsuit you filed against them. XXXX has swindled me it is fraud and therefore should not be reported to any of my credit bureaus on several reasons to recap. One that is more than 24 years since this loan according to their own dates was supposedly taken. to that the exact nature of XXXX approaching me for the consolidation was absolutely fraudulent from beginning to end and it looks as if they're doing it the thousands of people. Whatever the case the three credit reporting agencies should not report that information until the matter is resolved. There is no if ands or buts that's why it's called the law
Product: Credit card or prepaid card

I have tried numerous times to dispute a charge made by a timeshare resort called XXXX. I've attached a detailed letter that was included in our dispute, but it obviously fell on deaf ears. However, let me give you a brief description of our issues. We were sold a " right to use '' timeshare by XXXX, which turned out to have multiple false pretenses. We never were interested in buying a timeshare until they started talking about additional benefits that came with it. First, was the XXXX website. They told us all hotel booking sites get 20 % or more of the hotel cost. By being a member of the XXXX website, we would get to bypass this markup and save 20 % or more on all hotels. This seemed like a good benefit given we travel frequently. Once we obtained our website credentials, we quickly realized none of what they said was true. Almost every area you look to book a hotel is full price and in very few areas there might be XXXX or XXXX hotels discounted. They made a gross overstatement on this. Second, was the XXXX XXXX membership. We were told we would have access to rent houses at any time all over the world for a fraction of the price. Again, once we obtained our website credentials, we quickly realized none of what they said was true again. There are very few houses on the website and the houses are rarely available. Once again, they made a gross overstatement on this. And third, the golf program. We were told we would have access to private courses for a reasonable price all around the world, included in our hometown of XXXX, XXXX XXXX play golf, so that seemed like good benefit as well. At this point the only thing we have seen on this is a list of courses in their sale office. We even called golf courses on their list, and they had never heard it. So basically, they sale you on all these so called " added benefits '' that turn out to be useless. Interval should not even allow a sham company like XXXX to use their credit card when they blatantly lie to consumers.
Product: Credit card or prepaid card

I closed my account due to poor service and a single fraudulent charge. I told the agent to close the account and not to open another card and that I would be going to another bank. My card was closed permanently and I was not able to open a card at another bank in spite of my impeccable credit worthiness. I believe Citibank XXXX XXXX  XXXX XXXX XXXX, SD XXXX phone XXXX put a security breach of some kind on my credit in error. I have called a number of times to no avail. I have also called a number of times trying to open my original account to no avail. I have written a letter and received a denial of my applications and requests. Upon telephoning the company I receive a recording telling me that they are receiving too many calls and I need to call back later.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. And they have violated my rights numerous times and I DEMAND the accounts listed be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I 'm being harassed by phone, and emails on a daily basis, I get between 4 to 7 calls a day. I have asked branch manager XXXX to stop calling multiple times, but calls keep coming. I try to answer all calls but they been using harassing and threating language. I sent a written request to stop calls but I was told that they have all the right to continue calling. they have called some of my relatives as well on multiple occasions. I have proof of all the calls, voicemails, and emails that I have received. my payment has never been late for more than thirty days. Manager XXXX XXXX claims that they 're not a collection agency, therefore I cant stop the calls, but the emails I receive claim that they 're a debt collector and they 're trying to collect a debt.
Product: Money transfer, virtual currency, or money service

I went through an extensive interview process along with a background check. I was told that the company XXXX will be sending me a check to get the software and computer, the time machine they use to clock in and out from their vendor. So now that I was hired, I got a check, deposited it into my checking account and followed the directions that XXXX XXXX told me to do. Which was send {$1000.00} to XXXX, that is the supplier of the office equipment that is needed to get my job done. Then I was to transfer the remaining money over to her which was XXXX this I didn't send because I wanted the other to go through first. A couple days later I contacted my bank to see why it have over drawn they explained to me the situation that I had been scammed looking for a job. I have emailed XXXX XXXX XXXX  several times and she told me she's sorry and that this same thing happened to her and she then stated " she doesn't have the money I sent her, she had to turn it over to { him } she stated ''. This is ridiculous. I signed a contract with them thinking I had the job. I even put in 2 weeks ' notice at my current job for this job. I just want my money back. I have begged and pleaded with XXXX XXXX XXXX XXXX to send my money back but she won't. Those are the names associated with her info. If you have any questions please call. I simply can't go on like this. I'm just one person these people have gotten. Imagine how many other people they are ripping off. I would like to know about this case and the outcomes. I would also like to press charges if applicable. False information to obtain money without probable cause. Theft. Impersonating a business to make a profitable gain using their name. 
I'm just a single mother  with XXXX children at home trying to find a better job where I can work from home to benefit my kids better. 

XXXX id number to XXXX XXXX is XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex wife used my information. It wasn't me.
Product: Student loan

Navient is calling mulultiple times.a day. When I speak with them they rush me off the phone or force me into forbearance. Loans have Tripled since I took them out and the interest is crippling.
Product: Debt collection

Red Cedar Associates keeps calling me on behalf of XXXX XXXX - XXXX. They call me constantly, threatening to sue and place a judgement against me. I have voice mails and they keep saying they are going to send legal documentation through a carrier and place a judgement against me. The phone number is XXXX and he claims his name is XXXX XXXX.
Product: Checking or savings account

XX/XX/XXXX of this year my account was locked due XXXX XXXX  not accepting ACH PAYMENTS which I was told they were they then closed my account a month later which was XX/XX/XXXX took a long time to respond back to my email I have them my personal information thinking I was going to get it resolved never did they kept saying check my account for a update nothing. So I took it to the XXXX  they couldn't help me. It's. They told me to contact the depositor which was BENWORTH Capital LLC they don't respond all phone lines are always busy and I'm struggling I have no money to pay my bills or nothing. Someone needs to do something about BENWORTH I was told after the fact my money was froze that they are a fraudulent lender. My checking has {$390.00} my savings is {$2100.00} and can't get to it. I need help
Product: Credit reporting, credit repair services, or other personal consumer reports

Security Credit Services is report an account for XXXX with a balance of {$450.00}, but they have sold the account, by their own admission, to XXXX XXXX XXXX XXXX XXXX Because they no longer have any rights to this debt and it has been sold, I have requested that I be removed from my credit report.
Product: Mortgage

I have been working with wells fargo since XX/XX/XXXX regarding my mortgage and my sicuation wells fargo did nothing but toy around with me and waste time buy time by lie and until XX/XX/XXXX they sold my loan to XXXX they are not good refuse to send me statement stopping me to work on my loan and get help from other organization I asked wells fargo for mortgage forgiveness because do to my health issues I will never be able to work currently I am waiting for my benefit to go through. 
wells fargo did not care and did n't look into my situarion. 
I do n't want to become home less if its happens its purely wells fargos fault this loan was a Wachovia loan with been bought by wells fago and currently owned by wells fargo I was cheated and person and the invester who got this garbage are made tun if money and walk free and I am stuck with this loan XXXX is not good they are very slopy and not help
Product: Credit reporting, credit repair services, or other personal consumer reports

======== Hi I am XXXX XXXX submitting this without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit card

Complaint : I am filing this complaint regarding my Chase credit card due to unexplained excessive interest charges, even after I requested to close the account for new purchases and focus on paying down the existing balance. Despite an interest rate of 22.99 %, my monthly payments have been significantly higher than expected, with a substantial portion of each payment going to interest instead of reducing the principal. 

Details : 1. Account Cancellation Request : Approximately one year ago on XX/XX/XXXX ( I have all the statements ), I contacted Chase to request that my credit card account be closed for new purchases so that I could focus solely on paying down the balance. Since that time, I have consistently made payments, yet the charges I am seeing each month exceed the expected amount for an interest rate of 22.99 %. 
2. Excessive Charges : For example, this month, I was charged {$110.00} on XX/XX/XXXX and {$80.00} on XX/XX/XXXX, totaling {$190.00}. Despite this high payment, only {$33.00} went toward the principal, which suggests that my effective interest rate far exceeds the agreed 22.99 %. 
XXXX. Lack of Explanation from Chase : I have reached out to Chase multiple times for clarification on why I am being charged more than expected. I specifically asked for a breakdown of charges to understand how my payments are being applied. However, Chase has not provided a satisfactory explanation or itemized statement to clarify these charges. 
4. Financial Impact : This ongoing issue has significantly impacted my ability to pay down the principal, as the majority of my payments are directed toward interest. I believe that this does not align with the agreed terms of the account and that Chase may be miscalculating interest charges or failing to properly apply my payments. 

Request : I am requesting that the CFPB investigate this matter and help me obtain : An itemized statement from Chase showing the calculation and application of all interest charges since I requested to close the account on XX/XX/XXXX. 
An explanation of any additional factors contributing to the high interest impact on my payments. 
A review to ensure that I am not being charged an interest rate higher than XXXX %. 

Please help! 
XXXX XXXX
Product: Vehicle loan or lease

I am writing to formally file a complaint regarding an incorrect credit reporting issue with my auto loan account from Exeter Finance LLC. In XX/XX/year>, I fully paid off this loan, bringing the balance to zero, as verified by payment records and Exeter Finance 's confirmation. 

However, in XX/XX/year>, Exeter Finance inaccurately reported to the credit bureaus a {$15000.00} payoff balance on this account, which led to a significant and unjustified drop in my credit score. This reporting error not only contradicts the paid-off status of the loan but has also adversely impacted my credit profile, which may affect my ability to secure future credit on favorable terms.
Product: Checking or savings account

Ive been having trouble accessing my funds majority of the day and it says that I have no money in my account that I have insufficient funds to be exact when I tried to make the transaction online and then when I try to access it on the mobile app, it said that my password was wrong. It said that my username was wrong and Ive been calling the ADP wisely number and they have a busy line. This isnt the first time Ive had issues with them. Ive had people stealing my information and making transactions Ive even had a police report of the first incidents. Which has already been resolved. Its Happening again, because I do not have access to my funds or to my account on the mobile app or online on my laptop.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name # : XXXX XXXX XXXX # XXXX Balance : {$1500.00} Date : XX/XX/2020 Account name : XXXX XXXX date : XXXX XXXX Account name : XXXX XXXX XXXX has violated my rights 15 U.S C 1681 section 602 A. States I have the nght to privacy 15 U.S.C 1681 Section 604 ASection 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S C. 1681s-2 ( A ) ( 1 ) Aperson shall not furnish any information relating to a consumer to any consumer reporting agency fi the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I discovered a false account with SFLNDCORP reporting on my file because of identity theft. I contacted the bank and the credit bureaus about it and they told me to file a dispute. I submitted the dispute and SFLNDCORP conducted an investigation. The issue was solved and SFLNDCORP stopped reporting the account. I was notified by XXXX  and XXXX  that the account was no longer being reported and my report was updated. XXXX, however still has not updated my report. I contacted them several times without an answer. Please help me resolve this issue as soon as possible.
Product: Payday loan, title loan, or personal loan

I am recieving XXXX XXXX e-mails a day from Lendafy advertising " Confirm Your Request : {$9500.00} Loan ''. I never applied for this loan, do not want this loan. When I attempt to Unsubscribe from the e-mails I am directed to another XXXX offering the same loan. I want this harasment to stop immeadiately.
Product: Checking or savings account

On XX/XX/XXXX, I was logged into my bank of America app and I noticed that there are multiple charges of {$54.00} by " XXXX  XXXX '' I didn't recognize the charges at all then I kept scrolling down on my charges history and I noticed lots of those charged in weird amounts for the same payee and I still don't recognize any of these charges, I made a XXXX search about the payee " XXXX XXXX '' and I quickly found out lots of people are posting about the same fraud issue and that it's long running scam, I called bank of America and informed them of the whole thing and started XXXX claims, reason for that is some of the charges weren't caught and had to make them separately, A few days later I was credited for the 2 out of 3 claims in the amount of {$100.00}, However the third claim in the amount of {$2200.00} was rejected and their response was " These charges were made by me or someone I authorized '', and no other explanation were given, I got curious as to why they would accept the other 2 claims as fraud and refund the money back but reject the 3rd claim just because it a higher amount, when they were all for the same well-known fraudulent payee.
Product: Credit card or prepaid card

In XXXX, I lost my wallet and someone used my card to buy something using a company called QuadPay. I received an email from QuadPay saying my payment was coming up. I responded to the email explaining Id lost my card and did not make this purchase, but never received a response. The numbers and emails under the QuadPay customer page are automated, do not work, and there is no number to call to speak with an actual human being. QuadPay is still sending me emails about a purchase I never made. No one from this company has reached back out to me or returned my calls nor emails.
Product: Checking or savings account

I called Citibank NA to open a checking account and a money market account. I supplied authorization for an ACH transfer to take {$50000.00} from my XXXX XXXX XXXX  account to fund these two new accounts. I called them twice within the next month trying to get them to do the ACH transfer so I could use my account. I even had one customer service rep tell me to just do it myself. I would not since the authorization was given to them & I was afraid of it hitting twice and over-drafting my XXXX XXXXXXXX XXXX account. After another week, I gave up. I called them again and told them to close both accounts. I closed my XXXX XXXX XXXX  account and moved to XXXX Bank instead of Citibank. Three days AFTER I told them to close the accounts, they attempted two ACH transfers from XXXX XXXX XXXX to fund the accounts that I told them to close. XXXX XXXX XXXX  account was already closed. The only way I knew they tried to do the ACH transfers is because they sent me service charges notices. I called again. I spoke to a supervisor named XXXX who said he would take care of it. Now I received notice that both accounts were closed and I am supposed to pay the overdraft amounts on these accounts. I called AGAIN today. I was transferred to a supervisor but it was a bad connection & I asked her to call me back. She called, but as soon as I answered, the call dropped. I called again, held 20 minutes and got disconnected. I called again and got a supervisor, who said she could not verify the account with the information I provided. I told her that it is the same information that I provided for every single call and asked her to go over it again because she must have put something in wrong. She refused and said she could not help me. I asked her for her name and she would not provide it and hung up on me. I DID NOT overdraft my accounts. I have done absolutely everything I could to get this corrected, but this bank has repeatedly done nothing to correct their mistake. The bank involved is Citibank NA, Bank by Mail, XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX, phone XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTACTED THIS BUREUA MULTIPLE TIMES REGARDING THESE UNAUTHORIZED HARD INQUIRIES. THEY ARE NOT COOPERATING AND HAE NOT GOT BACK WITH ME REGARDING THIS ISSUE. I HAVE MAILED MULTIPLE LETTERS AND ALSO CALLED THEM. THE UNAUTHORIZED INQUIRIES ARE AS FOLLOW : XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX
Product: Mortgage

Wells Fargo has fraudulently and unethically changed the Terms of my Mortgage. During the pandemic I legally took advantage of the Cares Act and did not make any payments for 16 months. During this time it was verbally agreed between myself and Wells Fargo that the 16 months would simply be put at the end of the loan. Which I had no problem with. I had already paid 8 years into my original 30 year loan. Unbeknownst to me, they changed it to a 40 year loan!! And have restarted collecting a whole new amount of interest. My previous payment applied {$260.00} to my Principle balance. Now, only {$130.00} is applied to my Principle. At the time of Loan Modification was to start after the Cares Act ended, a Notary Public came to my house with a stack of Papers to sign, which I did. But it was NEVER pointed out to me that the loan was now a 40 year loan! It was not talked about and was sneakily placed into the paperwork. I have a pdf copy of the agreement, but it is probably too large a file to add here. I can email it to someone when needed.
Product: Debt collection

They just keep hasling me when it was paid in full XX/XX/2016. I sent them all info to verify payment.
Product: Mortgage

Refi nanced mortgage to get lower rate and payment with Wells Fargo the original loan holder of the previous mortgage. Lots of people were in on the underwriting and It seemed they were going through staff changes during my closing process. My payments were to be   XXXX  less per month.  Now many months later my taxes are due and I received a bill from my county. When I call WF tells me they are paying it not to worry. It is part of my escrow that was carried forward. Yesterday I got a bill from Wells fargo saying they paid some   Title company    XXXX   and  my county. Well if they did I would n't have a bill! They say I will be receiving a refund which I have not as yet from one of these and  if I do n't send it to them they will raise my payment  XXXX  dollars a month due to my escrow. Why did I refinance in the first place? This is incompetence of the highest!
Product: Mortgage

Nationstar evaluated our escrow account, using only 6 months of taxes, due to a XXXX refinance XX/XX/XXXX ( Refinanced through Nationstar ). Now they doubled my escrow requirements from {$3300.00} a year to {$5600.00}. They are now projecting that our taxes will increase by more than XXXX % in XXXX, because of their incorrect information. I 've submitted tax records from XX/XX/XXXX-XX/XX/XXXX. 
Our taxes have never increased more than XXXX % since XX/XX/XXXX. 
They are telling me their projections are correct and will not adjust anything.