23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX I am filling this CFPB complaint to request pursuant to FCRA XXXX B ( XXXX U.S.C XXXX ) that Equifax credit reporting agency , block information appearing on my consumer credit report. That is the result of Identity theft and fraud within XXXX business days of receiving my complaint. This fraudulent, inaccurate, and false information consists of personal credit cards/loans. XXXX XXXX XX/XX/XXXX under the account number XXXX, XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX the account number XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX account XXXX XXXX, and XXXX XXXX XXXX XXXXXX/XX/XXXX under the account XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the collections in question as well as a copy of the consumer XXXX  credit report. Maintained by XXXX which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquiries appearing on my consumer report maintained by you. They were not opened, made, or initiated by me. All aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.
Product: Student loan

See previous complaint. Mohela claims that I missed my XX/XX/2024 payment. I did not. Though their website shows that I paid, they want me to send a bank statement showing that I did pay. I have created a .pdf showing all payments to Mohela XXXX XXXX. You will see that the last payment is in XXXX. This is due to them putting me in forbearance, it is not missed payments. 

So, here is the statement showing monthly payments being paid on time.
Product: Credit reporting or other personal consumer reports

I signed up with this company to improve my credit score. I had a savings account with them and they offered a credit-building card. 

They offered to take {$20.00} each month from my checking account and it would be reported as me paying in a timely fashion. What was not disclosed to me, either on their website or on their app is that the payment would not be refunded. I did not purchase anything from them so the {$20.00} was them stealing my money and acting in a fraudulent and hostile manner towards my income. 

After a 12 payment, I stopped it, yet they tried to start another. When I contacted them for the money I had paid, I was told it was not refundable. Yet I signed no documents nor agreed to anything of such manner. When I asked for documentation that I agreed to this company keeping my funds, I was told they would send it to me, but they never did. They have yet to send documentation showing that I agreed to give them {$20.00} for 12 months without getting my money back. 

So basically it's their word saying that I agreed for them to keep my money after collecting {$20.00} for 12 months. There's no documentation that I ever agreed to this company keeping my money. 

Also what they failed to tell me was that whenever I decided to stop paying into their scam, they would report the account closed and that my credit score would go down. 
They reported that the account was closed and my credit score went down XXXX points! 

I signed up with their company to help my credit score, they took my {$240.00} and were nasty and condescending when I requested my money back. They then proceeded to refuse to refund my money to me and reported the account closed after they stole my {$240.00} and had my score go down XXXX points because of the closed account. 

This Kickoff Lending is a fraud and scam. Their goal is to scam innocent citizens of their funds and when we cancel with them, they report the account closed to punish us for not containing to give them our hard-earned money. They know their scam can only last as we continue to pay. But once we stop, they punish us by reporting the account closed, knowing full well, this will cause a decrease in the scores.
Product: Checking or savings account

I have had a Wells Fargo account in this timeframe and was charged multiple overdraft fees and other fees. I never recieved anything about this settlement what do I need to do to see if I qualify to get a claim?
Product: Credit reporting or other personal consumer reports

i sent multiple 609 letters and 623 letters requesting the false information be removed, or proven true, and that all information used to support the false inquires be sent to me by way of USPS mail as well as email, i received nothing from either of the three companies TransUnionXXXX XXXX XXXX XXXX  except letters stating that all information was true, nothing showing who or what information they used to show any of the inquires was true or accurate. just letters stating they wouldnt change anything because they believed it to be accurate. they still havent removed the false inquires from my report yet. they keep re-reporting them as new and accurate each month, year after year.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/24 Credit Report Dispute Letter Dear TransUnion : I XXXX XXXX have written this letter to dispute claims that are on my credit report with your bureau. I am requesting that the following hard inquiries be removed 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 XXXXXXXX XXXX
Product: Mortgage

I had an insurance claim for damages to my property. I was then effected by the COVID pandemic. I went onto a COVID forbearance. My insurance company sent my lender a check for {$3000.00} on XX/XX/2020. My lender applied that money toward my mortgage payments on XX/XX/2020. I now do not have the funds to pay the contractor who repaired my home. I was told it was because the lender had my file under " XXXX ''. I am now stuck without the funds to pay my contractor. I do not know what to do and I believe a clerical error on behalf of my lender should be detrimental to me.
Product: Credit card or prepaid card

Out of the blue, I received notification from Citibank that it has closed down three of my accounts, one Citi credit card, one Macy 's credit card and my Best Buy credit card. No information was provided to me. When I wrote to the Company ( which was not even initially identified ) the response I received was that they have the right to close the accounts. I have never had a credit issue in my life, I have maintained high credit limits and have an impeccable credit rating ( most recently over XXXX ). We are not disputing their right to close the account, my goal is to understand why this happened. If there is a mistake or they have some inaccurate information, I have a right to know that so I can address it. There is not even a phone number on the letters so that I can actually speak to a person. Please advise as to whether the Bureau can assist me or if there are other ways for me to get to the bottom of this. 

Thank you very much. 
XXXX XXXX XXXX ( cell )
Product: Mortgage

To whom it may concern, My family and I have been experiencing a significant hardship due to Covid-19. From lack of work, to closing down a business that we ran, and taking care of the kids with online classes and homeschool. 

This has prevented us from being able to make payments towards our mortgage. 
When the repayment process was suppose to start back in XX/XX/2021, we needed help and assistance to work with the bank on payment options. 

Wells Fargo ( servicing mortgage ) and XXXX  XXXX XXXX ( Holder of mortgage ) have been giving me the run around on trying to help me. They keep requesting more information and documents which I provide them with all that I have available. Then they cancel the process and I have to start all over again. Then they cancel the process and deny any help. It is now moving into active foreclosure status. 

They did not reach out to me for more information or that they were going to cancel the loan modification process. In letters and emails they state that it could take 10-30 days for their review. I keep checking the online portal for any updates, only to find that they close the portal down on me. Then I call Wells Fargo to get the status and they state that the application was denied due to lack of response. I have received emails stating that I have completed all the required documents that they requested, and submitted all that they requested. So it was surprising that they canceled the application and moved forward with foreclosure. 

I kept checking the online portal to complete the tasks needed and then they close it down with no warning or notice that they denied any help. 

This is the 3 or 4th time that I have to submit another mortgage assistance application. 

There is currently an outstanding balance of {$140000.00}, of which they want it all upfront or paid back within 3 months. We are not able to come up with that amount at this time. 

Wells Fargo has sent the case to a collection agency : XXXX XXXX XXXX XXXX. And now getting demand letters from them. 

I feel that they delayed any help and support, especially when the interest rates were lower in the beginning of the year, and now afraid that I will have to pay more because of their delay. 

We are at a loss and not sure where to turn to get help. We want to stay in the house, else we will have to look at selling and moving somewhere else. 

We are currently in Wisconsin to help with my parents and their health concerns. My father is in the XXXXXXXX XXXX XXXXXXXX XXXX XXXX. I am afraid that we will not have a house to come back to. 

I feel that the mortgage companies have not done anything to help us through this difficult time and the hardship that the Covid-19 pandemic has caused. 

It has been hard and stressful for my family and I through this entire process. 

We would like to be able to work out a plan that works for us and the bank and save the home. 

Any help would be appreciated. 

Thanks for your time and attention, XXXX.
Product: Consumer Loan

XXXX 2015 my husband went to Unifour Financial Services, ( XXXX XXXX XXXX XXXX, XXXX, NC XXXX ; XXXX ) car lot to seek and find a vehicle. After care review, they were able to put him in a Nissan, Altima. At that time, I had the understanding that they were using my credit score to allow him to purchase the car, not a co-signer. He put {$500.00} down as a down payment. Moving forward to XXXX 2015, I applied for a personal loan with my bank, they informed me I was a co-signer on a vehicle, and they could not provide me with the maximum loan amount that I was requesting. My bank also stated the interest rate on this car loan ( Unifour ) was concerning and we should seek legal counsel. XXXX XXXX, 2015 at XXXX XXXX I contact the loan company ( Unifour ) about the loan practices, about being on the loan, and informing them that my husband and I were separated ; how does the buried of the loan fall on me and how do I remove my name because we are no longer together. XXXX stated there was nothing she could do but update the loan to reflect out separation. I contact an outside source who informed me that some illegal practices may have happened upon receiving this loan. I called back on XXXX XXXX, 2015 at XXXX and spoke to XXXX and XXXX XXXX who stated they understood but because they are a small company, they can not remove me from the loan and would not investigate any illegal practices that occurred in XXXX 2015. I mentioned that my soon to be ex-husband has been paying on the loan for a consistence nine months and she stated oh well. I explained to her that we were legal separated, going through a divorce ; it was the matter of removing my name from the loan without refinancing, they stated no once again because they were a small company. Later that day, my soon to be ex-husband called to agree that he wanted my name removed from the loan and he too got know where.
Product: Debt or credit management

I was double charged for services at {$190.00} each time and monthly fees that I dont recall My ss # is XXXX the address was XXXX XXXX XXXX XXXX pa XXXX And XXXX XXXX XXXX XXXX I remember expressing to the representative what I experienced the only resolve was for me to start over again I do not recall how much more than a year that we paid monthly and I beleive it was {$99.00} per month.
Product: Debt collection

XXXX XXXX, XXXX  Received email from XXXX XXXX, XXXX stating my account was being transferred to Delaware LPT effective XX/XX/year>. 
XXXX XXXX, XXXX  Received email from XXXX XXXX, XXXX stating the XX/XX/year> loan statement for my XXXX  - XXXX XXXX  is ready. 
XXXX XXXX, 2023 Received email from XXXX XXXX, XXXX stating my payment of {$120.00} is scheduled for XX/XX/year>. 
XXXX XXXX, 2023 Received email from XXXX XXXX, XXXX stating they received my XX/XX/year> payment. 
XXXX XXXX, 2023 Called Delaware LPT, ( XXXX ) XXXX, XXXX XXXX, regarding XX/XX/XXXX payment. The representative said they did not get it. They can not get any information from XXXX. I will have to call them to get information about the payment. 
Called XXXX XXXX XXXX, ( XXXX ) XXXX, XXXX XXXX, XXXX  XXXX XXXX, answered by voicemail XXXX XXXXXXXX XXXX XXXX XXXX, answered by voicemail XXXX XXXX XXXX XXXX XXXX, answered by voicemail XXXX XXXX XXXX XXXX XXXX, answered by voicemail XXXX XXXXXXXX XXXX XXXX XXXX, answered by voicemail XXXX XXXX XXXX XXXX XXXX, answered by voicemail XXXX XXXXXXXX XXXX XXXX XXXX, answered by voicemail XXXXXXXX XXXX XXXX Received email from XXXX XXXX, XXXX stating loan servicing is being transferred to XXXX XXXX  effective XX/XX/year>. 
Called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, answered by voicemail XXXX XXXX, XXXX  Received email from XXXX XXXX, XXXX stating loan servicing is being transferred to XXXX XXXX  effective XX/XX/year>. 
Called XXXX XXXX XXXX, ( XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX, answered by voicemail XXXX XXXXXXXX XXXX Received email from XXXX XXXX, XXXX stating loan servicing is being transferred to XXXX XXXX  effective XX/XX/year>.
Product: Mortgage

During my Re-finance loan process, I was told that my employer provided Long-Term Disability ( LTD ) benefits are not allowed as verifiable income, unless the company providing the LTD benefits, writes a letter showing the source, amount, frequency, continuance and receipt of the payments. [ email Wells Fargo employee of XX/XX/XXXX ] I provided Wells Fargo with an award letter from my LTD Company, dated XXXX, XXXX, showing the dollar amount, the frequency and that I would receive the payments ; I offered XXXX 's from XXXX as proof of continuing income. That was not acceptable. 

XXXX XXXX email clearly documents AND demonstrates - Wells Fargo is imposing additional documentation requirements from me ; which is discriminatory.
Product: Credit card or prepaid card

on XX/XX/XXXX i used my card to withdraw XXXX dollars in a XXXX XXXX store in XXXX  ca. when i got home i checked my account as i usually do because im on a fixed budget.i noticed my account had went from XXXX to XXXX i reached out to bank of america about this on the same day within an hour of this happening. the charge happened in XXXX XXXX wich is a distance away from me i only have 1 card there is no way humanly possible for me to have done this as im being accused. i called and emailed boa numerous times and got lied to and handed off to another person each time.and still to this verry day i cant get no answers to whats to be done i am at a huge loss here i live off those benefits i have no other means of money and to lose this much has killed me .i did all i was supposed to do in a verry timely manner and i sit in limbo with everything already been delt with they ( boa ) states the investigations over but still no answers.and i can not get my money back. whos the victim here i was under the impression a zero liability for out of my control purchases i feel like i was discriminated against because its a government card that it makes me a lower tiered pupil. its really sad how this is being handled i need to pay bills and eat and i cant do that.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Eastern Account System, IN Address : XXXX XXXX XXXX XXXXXXXX, CT XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Dear Eastern Account System, IN, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

6. Please provide the original contract between the creditor with my wet signature stating that I agreed to pay. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

account reported on my credit report under XXXX XXXX  and Conteninal Finance # XXXX is inaccurate. This debt has been paid in full, as confirmed by the attached settlement letter from XXXX XXXX  Furthermore, the current reporting agency no longer owns the debt, as it has been transferred to XXXX XXXX which provided me with a validation letter. 

Despite the resolution of this debt, the account continues to be inaccurately reported, negatively impacting my credit. account reported on my credit report under XXXX XXXX XXXX XXXX XXXX Continental Finance Company is inaccurate. This debt has been paid in full, as confirmed by the attached settlement letter from XXXX XXXX  Furthermore, the current reporting agency no longer owns the debt, as it has been transferred to XXXX XXXX ], which provided me with a validation letter. 

Despite the resolution of this debt, the account continues to be inaccurately reported, negatively impacting my credit. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I request that this item be promptly investigated and updated to reflect accurate information or removed if it can not be verified.
Product: Money transfer, virtual currency, or money service

XX/XX/2021, {$2500.00}, the money was used to purchase XXXX at Western Union at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XX/XX/2021, {$5000.00}, the money was used to purchase XXXX at Western Union at XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XX/XX/2021, {$5000.00}, the money was used to purchase XXXX at Western Union at XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XX/XX/2021, {$5000.00}, the money was used to purchase XXXX at Western Union at XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XX/XX/2021, {$2500.00}, the money was used to purchase XXXX at Western Union at XXXX XXXX XXXX, XXXX XXXX, NJ XXXX
Product: Money transfer, virtual currency, or money service

My XXXX income tax return was erroneously sent to a TD Bank customer by the IRS that had my name and social security number on it. I explained what happened and showed proof of the error and was told that the customer who received my tax refund would be notified and TD Bank would return my money to the IRS or to me. As of date, neither myself or the IRS has received my XXXX  tax return and TD Bank refuses to, IN GOOD FAITH, return the monies that was sent as an ACH with my social security number and name on it to one of their customers. I have been told for over a year that someone would speak with me and have my tax return sent to me or the IRS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a Bank of America, XXXX XXXX XXXX XXXX Visa in XXXX. I used this CC until XXXX. At that point I closed my business as well as the CC. In XXXX of XXXX, I received a collections call from the company. They stated that my annual fee was charged and unpaid. I explained that I had closed the CC and asked that the fee be waived and that the account marked closed. I explained that I had not used my CC for a year and that I was no longer at my old office address. I updated my address at that time over the telephone and confirmed with the representative that the account would be closed and the annual fee was waived. 

In XXXX of XXXX, I was purchasing a home. My mortgage company found that Bank of America was reporting a past due amount of {$90.00} and that I was unable to finalize the mortgage until I paid this amount. 

I called Bank of America and asked them how it was possible that I had a balance when this account was closed. I also asked them why I did not receive any billing statements. The rep told me that no one closed the account in XXXX and that the bills we sent to my old office address. 

I explained that I moved in XXXX, that I closed the card and that I updated my address in XXXX and again in XXXX. I was told that the fees would be refunded and that the account was already closed due to delinquency. I was further told by the rep that they were unable to process the refund for over 72 hours. As my bank needed the all clear documents that day. I paid the fee and sent proof to my mortgage company. 

Currently, there is a balance of XXXX on the credit card. I also found out that Bank of America is reporting that I am past 90 days delinquent on the account to the credit score agencies. 

I have called three times to ask for a refund check and that the delinquency be removed from my Credit Report. Bank of America tells me that a manager will call me back and I have never received a call back. 

They are illegibly holding my money and refusing to correct my report.
Product: Student loan

To Whom It May Concern, I am writing to file a formal complaint against Ascendium Education Solutions regarding their refusal to refund payments totaling {$17000.00} made on a FFELP loan tied to my enrollment at XXXX XXXX XXXX. 

XXXX XXXX XXXX has been widely recognized as engaging in fraudulent and deceptive practices, leading to its closure in XXXX and the discharge of many loans under the Department of Educations Borrower Defense to Repayment program. While my FFELP loan has been discharged, Ascendium, as the guarantor, has retained payments I made from XXXX to XXXX, citing Department of Education policy.

I believe that

Ascendiums retention of these payments is unjust and violates principles of fairness and equity. Their refusal to refund payments effectively enriches them at the expense of a borrower who was misled into incurring debt under false pretenses. I respectfully request that the CFPB investigate this matter and take action to ensure that guarantors like Ascendium are held accountable for refunding payments tied to fraudulent loans.