23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2021, we received a notification that our bank password had been changed. Simultaneously, my wife 's phone stopped working. Someone had hacked her phone. She immediately called Wells Fargo from my phone, and got a new password on our account. When I logged in, I showed that someone from XXXX Fl. had tried to take {$1000.00}, but the bank rejectedthe transaction. Thebank started a claim ( number XXXX ). A few minutes later I logged back into our account to discover another failed attempt to take a {$1000.00} followed by a successful attempt originating again from XXXX Fl. My wife called again and received a second claim ( number XXXX ). They didn't have an answer as to why they were able to get money after we had called the first time. A little while later I logged into our account again to discover another {$1000.00} released to the same location by the bank. I called again, but they didn't have any answers. After the bank sent us a couple of letters, one of which told us this was all our fault, my wife called a fourth time on XXXX. She received a third claim ( number XXXX ). A similar attack on our account had been made in XXXX, but since then, no new information ( passwords, account numbers, etc. ) had been added to her phone. The bank told us the culprit used an authorization issued by the bank. The bank authorized them to take our money, we didn't. We've never been anywhere near Florida.
Product: Checking or savings account

I have a account on the Albert app, on XX/XX/22 I tried to use my card and it was declined. When I opened up my app it said my account had been closed with the funds being transferred to my connected external XXXX account. There is {$1000.00} in that account. You cant contact Albert by phone only through text everytime I hear from them they say be patient I feel like I have been scammed by them as this should be a easy fix days for by before they say anything and its the same thing every time were looking into it be patient its now XX/XX/22.
Product: Money transfer, virtual currency, or money service

I have been used Remitly to send money without problem. On XX/XX/2023, I sent a {$1800.00} USD transfer to a bank in XXXX. The money never arrived. Since that day I have been traying to obtain a copy of the bank transfer number ( not the Remitly reference ) without success. They offer to return the money then said that the bank in XXXX received, that they escalate the situation. It is no manager or legal department to talk and no one have a real answer. Has been 22 days.
Product: Debt collection

XXXX XXXX  was closed charge off Plaza services reporting XXXX XXXX  account with incorrect balance and open date
Product: Mortgage

I bought my house for XXXX dollars on XXXX, I fixed it up and bring up the value of my house was XXXX dollars on Katrina hurricane XXXX I get the notice from my mortgage was my house will be for closer on XX/XX/XXXX. That time I rent my half of my duplex for XXXX /month. also I have to be in California to take care my Mother, while I filed the Conservator for my Mom go back to Virginia to live with me. The next day of for closer I called my mortgage about my house, the company told me no body buy my house. I came back to my house on XX/XX/XXXX I met a man in my house, he told me He just bought my house today for XXXX dollars. I asked my tenant XXXX what? why? he said on XX/XX/XXXX HE GOT LOCK OUT OF my house since.
Product: Payday loan, title loan, personal loan, or advance loan

I have been denied access to use the card due to the company saying a decrease in a credit score. When contacting the credit bureau there is no such thing. When ask to speak to management was told there is no number to reach them also requested a letter that gives details history or explanation. Also the company has changed my monthly payments multiple times which has not made since.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the referenced account, XXXX XXXX, on XX/XX/XXXX. The credit report of XX/XX/XXXX XXXX Report # XXXX XXXX showed this item was deleted from my credit file. A subsequent credit report of XX/XX/XXXX XXXX Report # XXXX ) and credit report of XX/XX/XXXX XXXX Report # XXXX ) continued to show this item deleted from my credit file. Now this item has been reinserted on my credit report in violation of the FCRA. 

Additionally, I previously notified Experian and XXXX XXXX XXXX XXXX that I am a victim of identity theft, and requested that they do the following : 1 )  Remove any charges on the unauthorized account, and 2 ) Take steps to remove information about this account from my Experian credit files. I still have not received written confirmation of these actions. 

As I stated in previous communication with Experian before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at XXXX XXXX XXXX XXXX. I did not open or authorize this account, and I demand immediate steps to remove this information completely from my Experian credit report and file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself. The accounts are reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from these accounts. 

( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX )
Product: Mortgage

Mr cooper is unwilling to work with us as a result of a misapplied payment. The payment was made in XXXX and was not found and credited until XXXX. I was 2 months behind and because of the misapplied payment the account went into foreclosure. Had this payment been applied correctly this would not have happened. I called numerous times and it took 4 month for this to get resolved. I am now in a position of loosing my home and they will not work any arrangements out. I would like to pay the past due payments and have the fees added to the end of the loan. I wish to make a settlement reinstatement but each month the amount rises and its becoming impossible to pay this. I do not want to loose my home and full reinstatement is not an option but the only option they are giving me.
Product: Mortgage

My issue is with new Rez / shell point mortgage servicing. Although my mortgage is currently now closed because I sold the home, at the end of XXXX I submitted a payment, however for some odd reason the payment was rejected by the bank. I received no notifications via email from either source. Furthermore, I hadnt received any notifications from the loan servicer in months. At the time it occurred, I had sufficient funds to pay the mortgage if I was notified. I found out by routinely checking online. Once I found out, I immediately schedule payment with a representative. My complaint is that the practice was unfair, not receiving any notice to react while having sufficient funds. Furthermore, I had never been late on my mortgage. Just after this reporting occurred my credit score dropped 70 points. I shared all of the documentation with the company and the impact and have been unwilling to make a change. I feel like this is a targeted practice being  a person of XXXX.
Product: Debt collection

I was contacted by a man named XXXX XXXX he informed me of a debt with a credit card he gave me the first XXXX numbers of my social security number he proceeded to tell me that tomorrow XX/XX/2024 between XXXX XXXX I would be served and needed to provide the server with my id and I would need to appear in court, I am XXXX XXXX XXXX, I live off my XXXX XXXX XXXX  my income is limited he informed me that he needed me to pay {$300.00} this XXXX  and XXXX every XXXX  to XXXXXXXX XXXX XXXX I was given no time to submit or inform him that I only receive XXXX XXXX im not XXXX, I informed him that I had XXXX in XXXX XXXX XXXXXXXX to remove XXXX and I had no extra funds after my mortgage, he told me that I only had XXXX options and if I didnt set a payment arrangement or whole amount I would be forced to come to court. I was scared as Ive never had this happen and agreed immediately after I called my daughter in law and I was on XXXX way so we could make sure this wasnt a scam. I am unable to pay XXXX dollar a month with my social security which pays for my mortgage, my lights and my water, my food, and my living expenses. I felt intimidated by XXXX XXXX was shook my his demeanor.
Product: Bank account or service

The Citi Bank checking account opened XX/XX/XXXX and {$15000.00} was deposited XX/XX/XXXX as required for the bonus {$400.00} offer which was initial deposit with {$15000.00}. This deposit has been almost 6 months now. However, I am still waiting to receive the bonus {$400.00}. Communicated with Citibank reps, I 'm eligible to get the bonus such as proper promotional code used, {$15000.00} funded outside of citi account, and it matured more than 4 months without any withdrawal fund. Rep told me that also XXXX form has been received and certified for tax purpose. No reason to delay to get bonus. I am tired to contact the over the phone and their secured message. It leaded here to camplain as last resort.
Product: Mortgage

I became behind on my last months mortgage which was due XX/XX/XXXX. A XXXX unidentified call kept showing up on my phone - It turned out to be my mortgage company Suntrust - I talked to them and told them I had previously requested a HAMP package from their XXXX office - they stated they had to ask me to pay the amount of last months payment asap and that they would call EVERY DAY until they were told by the HAMP office that they did not need to or until I paid it. They have called every day sometimes more than once a day since. I consider this harrassment. I have already sent my paperwork for the HAMP into the Suntrust office via mail. Please help me stop this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters for the account information to be reviewed for the account " XXXX XXXX ''. The account is reporting incorrectly. I've sent letters to have the account verified and Experian nor XXXX can verify the payment history on the account. If this information can not be verified according to FCRA it has to be removed. I have no other choice but to file another complaint on the matter. Please verify the payment information on the account or have it deleted. Thank you very much!
Product: Credit reporting or other personal consumer reports

I received my credit report from XXXX, XXXX and TransUnion on XX/XX/2024 and notice there were hard inquiries that dont have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under XXXX XXXX XXXX. I also have attach the hard inquiries that dont have no purpose to be on my credit report. 

XXXX ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX indicates i opened an account with them on XX/XX/XXXX and on a different beauru it states XX/XX/XXXX this information is false. Account number : XXXX I C System Indicates i opened account on XX/XX/XXXX And for another beauru it states XX/XX/XXXX Thats false information aswell XXXX XXXX Is also reporting inaccurate information I have so much fraudelent information and it is devastating, i meed it removed as soon as possible, this is hindering my future. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX All these companies are targets.
Product: Credit reporting or other personal consumer reports

Someone reported a number of inquiries on my credit reports. I have no knowledge of them and would like to file a complaint to have the credit bureaus remove them. 

XXXX : XXXX ON XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows a collection account called rent debt labeled ( XXXX XXXX XXXX ) I have never heard of either of those companies, I had my identity stolen in the past with accounts opened in my name and this is definitely fraudulent. I never received a debt validation letter nor a debt verification letter and the address the company has for me I have never lived at before in my life ( which i can also prove ). This debt is not mine & it needs to be removed. I have police reports proving the past identity theft as well and how the company never contacted me to validate this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion with a dispute on my credit report on XX/XX/20. They sent me an email that said the dispute had been resolved and I could see the results from their website. I am unable to log in to their website, have emailed them ( because of covid19 they are unable to answer emails ) have called and waited 2 hours for a rep to answer. The reps are from foreign companies and have very obvious accents that are hard to understand, they respond that because of the virus they do not have enough staff, they are unable to see the results of my first dispute because it has been deleted. I filed a second dispute because the same creditor was on my report 2 Times and still shows up. I have requested written copies of the results of both disputes. It should not be that hard to contact Transunion and get your results even if there is a pandemic going on.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to a delay in the posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions settled with insufficient funds despite initially available funds. I believe these practices are unfair and request an investigation into my account. Thank you.
Product: Credit reporting or other personal consumer reports

The account was paid on time from the insurance and GAP but Exeter finance and XXXX reported it as a charge off. It is hurting my score
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few unauthorized adverse XXXX XXXX XXXX XXXX accounts on my consumer report. pursuant to 15 USC 1681b ( 2 ) -permissible purpose no consent was given. Equifax sent lenders incorrect credit scores for millions of consumers this spring, in a technology snafu with major real-world impact. In certain cases the errors were significant enough the differential was at least 25 points for around 300,000 consumers that some would-be borrowers may have been wrongfully denied credit, the company said in a statement. it appears that I maybe one of the victims as these accounts was not authorized or no consent. I want the suspect accounts removed from my consumer report and equifax provide me with a confirmation numbers for every account mentioned here. Please send me my consumer report showing the deletions as proof or evidence. The accounts to be removed are two XXXX XXXX charge off adverse accounts on my credit report. Please remove them and provide confirmation number for removal
Product: Debt collection

I received my credit report and saw a charge off collection from this company and said I owed {$460.00} I have never had an account with them. I had several people staying at our house so I am assuming it was one of them not sure. I contacted the credit bureau 's and they said everything was accurate and that the company says it is mine. But it is not mine no one can show me were I signed anything and I want them to prove to me I signed the original application. This debt is not mine.
Product: Credit reporting or other personal consumer reports

never applied for credit trans union reporting an inquiries on my report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX AND XXXX XXXX
Product: Debt collection

XX/XX/2020. Received a call from Miss XXXX advising me of an out of court settlement for my debt owed to XXXX XXXX. I have never received any letter stating my debt nor have ever heard from this person before. She left a message saying they have been trying numerous times to contact me. She told me I basically had 24 hours or she would recommend further action. This is not the original creditor.
Product: Debt collection

XX/XX/2019 I went for out patient XXXX lasting about 7 hours and went home. 

XXXX XXXX Hospital over charged Medicare by 300 %. Medicare & XXXX XXXX XXXX paid total of {$27000.00} of the $ 100,000+ invoices. 

I was sent a bill for {$1500.00} for uncovered and unauthorized items. I demand an invoice twice for exactly what the charges were. 

They failed to deliver any justified and Sent me to collection. They are causing me a XXXX year old on SS financial damages.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 42 financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX - XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - XXXX XXXX XXXX XXXX : - US DEPT ED Account # XXXX 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I'm reaching out today to inform you that I've fallen victim to identity theft. Please consider this letter as a formal dispute regarding the following accounts. I've already reached out directly to all the companies involved, as instructed, to address this issue. I've filed an identity theft report with the FTC and have contacted all the companies to dispute the information that shouldn't even be appearing on my file. I kindly request your assistance in resolving this matter. 
Please remove these accounts promptly. Your attention to this matter is greatly appreciated. I apologize for any frustration expressed ; however, these oversights on your part are causing significant financial difficulties for me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

This complaint is related to complaint XXXX. In that complaint, XXXX/PHEAA   inappropriately switched my loan payment amount from the REPAYE amount to the standard repayment amount 2 months early for most of my loan sequences. My loans should have all updated ( based on my new income verification ) in XX/XX/XXXX but instead most of them were switched to the standard repayment amount in XXXX resulting in a > {$1000.00} increase in the payment amount they were requesting. After filing the complaint, XXXX/PHEAA has halfway admitted there mistake and has agreed to allow me to make the correct payments for the months of XXXX and XXXX and have them applied retroactively to those months. However, as part of their proposal they are requiring me to submit an updated PSLF employment certification form to get the payment amounts corrected. For this complaint, I would like to know who has given XXXX/PHEAA  the authority to impose additional regulations on borrowers for them to receive the correct payment amount under income-driven repayment plans as outlined by the federal government. My loans are all under the REPAYE plan and as such my repayment amount is based on my discretionary income as calculated using my adjusted gross income and family size and updated at least annually ( or more frequently if requested by the borrower ). Nowhere in the federal statutes governing this program does it state that receiving the REPAYE amount is based on being employed by an eligible employer and nowhere does it state that completion of a ECF is required. Furthermore, even for borrowers doing PSLF, the payments do not have to be consecutive and so even for borrowers who do intend to do PSLF they do not have to continuously be employed by eligible employers to remain in the program or to have their loans serviced by XXXX/PHEAA. Regardless of whether a borrower is currently employed by an eligible employer, the REPAYE amount is a fixed amount determined completely separate from the borrowers employment status at an eligible employer. Thus, it is readily apparent that the requirement to submit a current ECF form that covers the 2 months when XXXX/PHEAA messed up my payments is a ) beyond the scope of the authority of XXXXPHEAA and b ) is a purposeful attempt to cause borrowers to pay more in student loans than they are legally required. 

As an updated, I submitted my ECF yesterday for my current employer. This ECF covers from XX/XX/XXXX to XX/XX/XXXX. I have also made the 2 additional payments of {$330.00} ( one on XX/XX/XXXX and XXXX on XX/XX/XXXX ) as requested by XXXX/PHEAA to cover the XXXX and XX/XX/XXXX payments that were messed up. All of this was done within 2 months of XX/XX/XXXX. This should satisfy the criteria XXXX/PHEAA imposed on me in order to override the XXXX and XX/XX/XXXX payments.