23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I sold my home in XX/XX/year>. Got a letter stating XXXX is paid in full. Got another letter stating I fulfilled my obligation and nothing further was required of me. Started getting delinquent notices in XXXX. Called and they said the XXXX doesn't actually close at payoff and to send an email requesting to close it. Send the email, never got closed. Received another delinquency notice, called and was told they sent the money back to the title company since I never closed it. Asked for a payoff check and it showed payoff back in XXXX. Called again and was told they would send paperwork to sign to close it, still haven't received it but got another delinquency notice. Called again and now I'm told I have to send a handwritten letter requesting to close the XXXX.
Product: Money transfer, virtual currency, or money service

I am getting text messages from bank of america which I have never been with explaining that a transaction has been blocked and to follow a link. The text received as bellow Due to suspicious online activity, for your protection BofA has restricted your XXXXXXXX XXXX XXXX. Follow the steps here XXXX XXXX XXXX to update profile and reactivate account. 

I also dont own a debit card with them Phone number from text. XXXX
Product: Checking or savings account

Please Stop letting hackers hack my Account. 
I have called Wells Fargo several times and even gone into branch locations asking that : 1 ;. Nothing paid if the money is not in the account and 2. No recurring be allowed to go through on the account. None. None. None. 
I also signed the form for nothing to be paid if the money is not there. Still, I have to keep calling over and over again. Hackers are authorizing these recurring charges and it is not me. I never, never authorize any recurring payment and I keep asking them over and over again to not allow them. 
At the end of XXXX I once again called and talked with XXXX. She said she took care of it but then a few days later on XX/XX/XXXX a recurring charge went through again. So, I had to call again and they did waive the fee but this is an ongoing issue that keep happening. I am not authorizing ANY recurring payments. I do not want any recurring charges to go through on my account EVER!! The hackers are doing this. So please stop. Please stop.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I got an email stating the needed a copy of my photo ID, I sent it on XX/XX/year>. They responded on XX/XX/year> That my account has permanently been deactivated and i will not have access to my funds for over 180 days. This is completely illegal, fraudulent and theft. I have a Personal Account, Teen and Business Account with this company VENMO a service of PayPal. I have a total of XXXX dollars and XXXX cents in these accounts that they are withholding. This is wrong and goes against my rights. This is the first step of recovering my legally owned funds before I take legal action against this comapny.
Product: Mortgage

Service 1st Mortgage XXXX XXXX XXXX XXXX ) sends deceptive advertising to its " customers '', most of whom are Veterans. As the Compliance Officer for Service First Mortgage ( XXXX XXXX ), I field calls from very angry customers who have been told to skip mortgage payments and now have late mortgage payments reflecting on their credit report. They leave numerous messages and never receive a call back. They are told they will close a certain day and then do not hear anything from the company until the day before. Sometimes not even then. Service 1st 's behavior is both unfair and deceptive and should be addressed by the CFPB.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

XXXX XXXX decreased my credit limit on Sports Card at XXXX XXXX XXXX. I got a letter in the mail saying after a review of my account my credit limit had been decreased. I called customer service and was given every generic answer in the book. I told the agent/ then the supervisor, that I have had my account with this bank for going on 6 months and my account has never been late and I always pay 2xs, 3xs, or 4xs the amount that was due. I was told that XXXX XXXX reported something negative on my credit and they have the right to decrease my credit limit??? I pay Synchonary each month and have an established account with them that has been paid in a timely and prompt manner going on 6 months
Product: Credit card or prepaid card

I have opted out through the federal program of receiving credit card advertisements and applications. However, I continue to receive them from Capital One. Since opting out I have received two separate applications for a Capital One credit card. My understanding is that there is a sizable fine for each violation of my opt out I would like to pursue them receiving this fine if such a fine exists.
Product: Student loan

I am currently in an administrative forbearance on XXXX XXXX which is not eligible for XXXX. On XX/XX/year> I applied to switch repayment plans to XXXX which has recently opened for all borrowers including those in XXXX XXXX. This plan is eligible for pslf. According to XXXX XXXX Mohela is required to place me in a pslf qualifying processing forbearance while they process my application : If servicers need time to process a borrowers XXXX application, servicers will move the borrower into a processing forbearance for up to XXXX  days. Interest accrues during this short-term processing forbearance, and time in the processing forbearance is eligible for XXXX  and XXXX XXXX 
From XXXX XXXX XXXX  On XX/XX/year> I spoke with a Mohela representative who told me that they are not able to place me in a processing forbearance because I am on the save plan. This is not accurate and is XXXX  me by delaying my progress toward public XXXX XXXX XXXX I should placed in processing forbearance immediately.
Product: Mortgage

Truist bank returned a bill pay payment that I made to them to lower the principal of my mortgage. It was not the full payoff amount, but they decided it was too large of a payment so they sent it back to my bank. They did not notify me. I had to call them to find out they declined the payment. This is resulting in another week of interest being accrued and me having to pay it on $ XXXX. I believe this is unethical and violates fair lending practices. The online bank personnel stated I mailed the payment to the payoff address. This was inaccurate. I mailed the principal payment to the same PO Box I have used for 8 years. I did not send the payment to their payoff location. 

SunTrust case # XXXX.
Product: Student loan

I received a call from Navient on XXXX saying my account was past due.I made a direct debit payment over the phone to them which brought my account current. I received a confirmation number and a copy of my bank receipt which evidences the payment. The representative told me the account was now current, next payment will be due in XXXX. Yet on XXXX they reported me to credit reporting agencies as delinquent. I called Navient and they lied to me saying they do n't report past due accounts until they reach past 90 days but I showed them that they reported me anyway at 60 days, even though i made the payment!! They told me they would look into it and could not explain the negative credit reporting DESPITE PAYMENT BEING MADE ONE WEEK PRIOR! When I asked them to remove it, they said only they would " look into it. '' I asked for the name of the person I was speaking to, they would not tell me, only an ID number. I asked them why this was done to me they could not explain. Because of this false reporting, my credit rating dropped 30 points. This company is so crooked!
Product: Debt collection

The collection agenc y, Rauch-Milliken International , Inc., was hired  by   XXXX   XXXX   XXXX  . In  XXXX  of  2016 I tried to r each out to  XXXX   XXXX   XXXX  many times via email and phone. I wanted to inform them I no longer wished to use their service. I ha ve zero  call back or communication from the. They auto renewed my advertisement without a verbal or written agreement from me. The collection  agency Rauch-Milliken International , Inc., is now harassi ng my office staff and sending me threatening letters.
Product: Debt collection

Contacted by IC System ( XXXX XXXX, MN ) XX/XX/XXXX to resolve a 2 year old medical debt. The representative was unable to provide any documentation other than a service date and provider. I requested a written response to dispute. It was never provided. After weekly calls for 2 months I asked IC Systems to not contact me further until it was provided. XX/XX/XXXX calls resumed with the representative informing me that they were filing a negative credit report. I paid over the phone to avoid the hassle that would ensue. The amount was not large but it still felt like extortion without recourse.
Product: Debt collection

Debt not mine. It is showing up XXXX XXXX XXXX from a hospital called XXXX XXXX. Please have XXXX XXXX XXXX remove from my Experian credit report. Someone has been using my social security number and they 're a lot coming up on my Experian. It is showing negative. Please have them correct this and have the report updated. Amount is for {$33.00}. I am refinancing my home and the mortgage company needs this removed from my credit report. Please update positive and remove.
Product: Credit card or prepaid card

Bank of America Credit card issued, then suddenly canceled within less than one month of use for no reason. I have paid for the charges made on the card but refuse to pay the ridiculous fees for the banks error of issuing the card and closing in 3 weeks! Final statement was never issued and instead late payment reported to credit reporting agencies. Damaged my credit significantly from mid XXXX to XXXX and horrible customer service at XXXX/ Bank of America !
Product: Mortgage

I live in XXXX XXXX. After devastation caused by hurricane Maria All mortgage companies helped us With programs in which we didnt have to pay our hoises until XX/XX/XXXX. Loancare assigned a representative to work my case and she put me in that program. After we spoke in XX/XX/XXXX this representative has never answered any call again. I spoke to a second representative who said the first one did nothing and then the second one entered me into that program. Now in XX/XX/XXXX I need to pay my house and that representative blocked my account, so no payments are accepted. Im calling them to continue paying my house and the representative working my case never answers. Ive called more than 10 times this month, somebody answers. As soon as this person that answers enters my loan account they say a specific representative is assigned to my loan ( the lady I spoke with back in XX/XX/XXXX ). Then they ask me to wait until they can transfer me to her, but she is NEVER available to respond. Then they say I will leave a message for her to call you. Next step, I received a call from LoanCares number, but when I answer there is nobody on the line. It seems that on purpose this representative is calling me ( to have a proof that she called me ) but not speaking, just to have evidence that she dialed my number. This has been happenning for a complete month and even Ive reported this person, nobody is able to make her attend my case or allow me to pay my house. To me it seems like a plan to take my house from me. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing these erroneous accounts for over a year please help me. 

( no name ) act # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX A XXXX XXXX # XXXX {$560.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ) At # XXXX {$930.00} XXXX   XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  XXXX VA XXXX XXXX {$1600.00} XXXX no name XXXX act # XXXX {$240.00} ( no name XXXX act # XXXX {$100.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I received a debit card that I did not apply for and I set about trying to close that card and place Credit freezes and fraud alerts with all XXXX Credit Bureaus. I was successful with XXXX and XXXX, and used the credit report from XXXX to identify XXXX other " soft inquiries '' on my account that had been fraudulently made, and I was able to proactively cancel those accounts and place fraud alerts on those accounts as well. The issue arose when I attempted to access my Experian account, an account that I am sure I created in XXXX when I created my XXXX and XXXX accounts and placed freezes on my credit. I was unable to gain access to my account, and was able to determine that someone had hacked the account and changed the email and cell phone number so I was unable to go through the usual protocol of resetting your password. I attempted to call Experian but had a VERY difficult time getting ahold of someone to assist me, but I finally did and was given a ticket number of XXXX XXXX XXXX and I was told that someone would call me with in XXXX hours, I was also told that I would receive an email with a link for me to upload the documents that I would use to prove my identity ( Social Security Card, Drivers License, and bank statement ). 

On XX/XX/XXXX, I received that email, and navigated to the Experian website uploader to upload the requested documents. 

I then waited over XXXX business hours and did not receive a call back. 

On XX/XX/XXXX I attempted to call the number I had been given and assured that it would connect me to a human, but it was the standard experian robotic operate who WILL NOT connect you to a human and even says " I understand that you would like to be connected to a representative, I can only connect you in certain circumstances '' and then you try a number of keywords to get yourself connected and eventually it terminates the call. But finally I was able to get through to someone in the Smart Money Checking account and I was able to escalate the call and I was told that someone would call me but they could not provide me with a timeframe in which to expect that call, but I was given a new case number XXXX. I have not heard back regarding either case number. 

Now XXXX weeks later, I again tried to speak with someone and have had no luck being connected to a person. When I get connected with someone in disputes and tell them that I would like to dispute information connected with my account they transfer me to " membership '' which is just the robotic operator that goes no where and eventually terminates the call, telling you to " call back later ''. 

Oddly enough when I try to reset my password and username with the experian system the email on file that the reset link is being sent to is listed as XXXX, which is unsettling to say the least. 

I also filed a report with IdentityTheft.gov and my FTC number is XXXX Also throughout my digging I was able to find that the fraudulent phone number used was XXXX and the fraudulent email address was XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Violated the FCRA law. This has been on my report since 2007 XXXX XXXX account # XXXX they keep deleting it the putting it back on my credit report
Product: Mortgage

On XXXX XXXX, XXXX, Wells Fargo Home Mortgage ( Wells ) sent me a letter advising that my HELOC would mature on XXXX XXXX, XXXX. Upon receipt of this letter I contacted Wells, in accordance with the provisions in their letter, to discuss options if I was unable to pay the full balance due at maturity. Through numerous discussions with Wells staff for 18 months I was advised that making monthly payments to them was not an option. I submitted a complaint to this agency in XXXX, XXXX advising of this situation for my attempt to somehow continue to make payments on my HELOC. NOTE : Despite my efforts to establish a payment plan for 4 months prior to my HELOC maturity date, Wells began to aversely report on my HELOC to the credit bureaus. I notified your agency of my dilemma and after your agency intervened Wells then agreed to establish a payment plan with me. I received a modification agreement in XXXX, from Wells after making XXXX trial payments with them. Upon my receipt and review of the modification documents I found the following clause, " Currently I have a past due amount on my Account. The Bank and I agree that if the terms of this Agreement are followed, my Account will not be considered past due from the date of this Agreement on a go forward basis. '' While technically, my loan matured some time ago, I exercised ongoing attempts to avoid an adverse situation on this account. Once the CFPB got involved Wells decided to establish a payment plan with me. I have requested that my credit bureau report ( s ) be corrected to not reflect this adverse information. Especially since I have an impeccable credit record aside from this account. It is my opinion the above described clause in the modification agreement is UNFAIR, particularly in light of the definition of UNFAIR in accordance with its definition in the Unfair, Deceptive, Abusive Acts or Practices Act ( UDAAP ).
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2022, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my Bitcoin of America account to fraudulent investment firm ( s )
Product: Checking or savings account

There were 7 transactions on my account that I did not make and as soon as I noticed I called Wells Fargo and immediately opened a dispute for the following transactions. 
XXXX {$4600.00} XXXX XXXX {$20.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX Those were the 7 transactions that I filed a dispute with Wells Fargo on XX/XX/year>. Was told they would do an investigation on the transactions. Ive never use neither of those merchants before and dont have accounts with neither merchants. Wells fargo called me 2 days later on XX/XX/XXXX claiming that they were done with the investigation and said that there were no fraud indications. I asked them how did they come up with that so fast and could I have proof on the investigation and the lady on the phone was very mean and unprofessional and couldnt give me either. This is totaling almost {$10000.00} so I am really freaking out right now
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name : XXXX XXXX - Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX Account Name : XXXX XXXX XXXX  Account # XXXX Account Name : XXXX, XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX The above referenced accounts either are completely incorrect in terms of payments dates/or balance updates. Additionally, Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX is an account that I have never signed ANY agreements for or personally had services from. These accounts have just been updating balances through each dispute to stay on report. ALL account dates and info is incorrect. 

Examples include Account Name : XXXX XXXX - Account # XXXX, I do not have this account and it clearly states my last payment was well over 2 years ago but the account still shows as " open '' 15 U.S.C. 1681 section 602 A, states that I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2, also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information : any adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) states that a person shall not furnish any information relating to a consumer to any consumer reporting agency if 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

In accordance with the Fair Credit Reporting Act XXXX Accts # XXXX, Has violated my rights 1. Acct # - XXXX Acct Name - XXXX XXXX XXXX 2. Acct # - XXXX Acct Name - XXXX XXXX 3. Acct # - XXXX Acct Name - U.S. DEPARTMENT OF EDUCATION 4. Acct # - XXXX Acct Name - U.S. DEPARTMENT OF EDUCATION 5. Acct # - XXXX Acct Name - XXXX XXXX XXXX 6. Acct # - XXXX Acct Name - DEPARTMENT OF EDUCATION/XXXX 7 . Acct # - XXXX Acct Name - DEPARTMENT OF EDUCATION/XXXX 8 . Acct # - XXXX Acct Name - XXXX XXXX XXXX 9. Acct # - XXXX Acct Name - XXXX XXXX XXXX 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

Dispute Details Dispute Date : XX/XX/19 Dispute Amount : {$320.00} Dispute ID : XXXX Declaration I prepaid in full XXXX to merchant XXXX, then i disputed it since merchant are late to ship the item and i don't want it. The dispute was not success, citi told me they paid the merchant, merchant said they never receive money from me. Then nightmare begins. 

Citi has been doing months to resolve this dispute case, but never success. 
I tried so many times to contact the merchant-XXXX, they currently blocked my phone and any phone that called them to seek solution. They refused to do anything, claimed they did not receive money from me, refused to send me item, refused to give me refund, refused to provide any documentation. 
I even stopped by the stores when I was in XXXX 3 weeks ago and asked for help. However, they treated me in very impolitely manner and refused to provide any information regarding this transaction and asked me to talk to my bank, which is citi. They told me they did not receive money from my name at all. And since I was trying to dispute the money, they refuse to provide any assistance or service for me. 

I really need assistance from you to investigate into this case. I was charged, never refund, never receive the item. I need my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + Equifax, This is in regards to my name- please see attached to this complaint as its the only name I go by and all other variations are incorrect and need to be removed from my credit report. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shots where this is located