23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Purchased the property using NON QM XX/XX/2020 1st payment due XX/XX/2020. During that time frame my XXXX XXXX XXXX   crashed due to Covid-19. I requested a forbearance. It was an argument from the start and I was threatened that I would have to pay it all up from after 3 months. I opted to take my chances. I was in forbearance XXXX, XXXX and XXXX. XX/XX/XXXX I received a call from Shellpoint ( my servicer ) asking about my financial situation and if i need forbearance for XXXX, I said yes I do, they said ok you are extended or XXXX and that they would receive a call every month to extend it if necessary. Received a call from Shellpoint today and they said I am late on my payment, not in forbearance and forbearance was not approved for XXXX and they need bank statements and a hardship letter for approval. Apparently every month I will have to do this. The original point of contact has not responded to any emails, voicemails or phone calls one time in the last 3 months. I called to complain and was recently assigned a new contact but was not given her contact information yet. She called and said she would email me her contact information and the documents needed for extension approval but nothing received as of yet. I read Covid forbearance guidelines and they state a home owner is eligible for 180 days and then another 180 days up to 12 months with no documentation required. Shellpoint says  otherwise. Please advise.
Product: Money transfer, virtual currency, or money service

Our company, XXXX XXXX XXXX, XXXX, is a XXXX XXXX XXXX XXXX. We handle closings of real estate transactions on a daily basis. On XX/XX/2020, we closed the purchase and sale of a property that had an existing mortgage from XXXX XXXX  to be satisfied with the closing funds. As standard operating procedure, our paralegal for the closing initiated the wire of {$550000.00} to satisfy the XXXX XXXX  mortgage. However, our office email accounts had been hacked and she had unknowingly been provided with fraudulent wire instructions. The money sent to satisfy the XXXX XXXX   mortgage was instead sent to Capital One. A representative from Capital One called us on XX/XX/2020, to notify us that the money had been received by Capital One, but they were questioning the origin of the wire. We immediately requested the return/recall of the wire, but Capital One refused our request. We've since been required to communicate with Capital One through our bank, XXXX XXXX. Neither XXXX nor Capital One has given us any indication of when the funds will be returned. 

This incident occurred over four  weeks ago and we still have no indication of when it will be resolved. Our office is a victim in this transaction, but we are not receiving any guidance from Capital One about the status of the funds that they received. We need Capital One to expedite the recall of the funds so that our client 's XXXX XXXX   mortgage can be satisfied.
Product: Student loan

Navient did not inform me of the no early pay-off with out remaining interest free and the interest rate is extreme. 
Life of Loan : XXXX Total Principal Paid : XXXX Total Interest Paid : XXXX Total Fees : XXXX
Product: Debt collection

AmSher collection ( XXXX XXXX XXXX  ) is trying to assign debt to me that is not mine, have nothing to do with me for the SECOND TIME!!! 
They are causing me HUGE issues with my finances and time dealing with those scammers and fraudsters! They need to be shutdown and more importantly stop harassing me and trying to attach a debt that is not mine!!!!
Product: Money transfer, virtual currency, or money service

I made the following XXXX purchases on Cash app : - XX/XX/year> : XXXX XXXX for {$300.00} - XX/XX/year> XXXX XXXX for {$300.00} - XX/XX/year> XXXX XXXX for {$300.00} On XX/XX/year> I attempted to withdraw XXXX to an external XXXX XXXX  that I personally own and control. Upon verifying the amount, XXXX XXXX  address, and using biometrics on my app to submit the transaction I was notified by Cash App that the transaction was canceled. Specifically, the app said " this withdrawal was canceled for your protection. '' I attempted the same withdrawal attempt on another two wallets that I own with the same result. 

On XX/XX/year> I reached out to customer support to notify them that my withdrawals were canceled and ask how to clear the apparent hold on my funds. The first representative ( XXXX ) transferred me to another " bitcoin specialist '' named XXXX. He notified me of the following : " For security purposes, bitcoin transactions are subject to review and occasionally transactions are declined. Please transfer the funds to a different bitcoin wallet, or you can also sell your bitcoin and transfer the dollar amount to a linked bank account. For more information visit our Acceptable Use Policy. '' I informed him that his solution was not acceptable as I do not wish to sell my XXXX and incur short term XXXX XXXX XXXX and I had already attempted to transfer to every wallet that I own with no success. He then stated that " we're unable to provide the specific reason behind why your rattempted withdrawal has become rejected. '' He then sent the complaint for review for review and " resolved '' the complaint portion of my case despite my disagreement with him doing so. 

I was provided a case number of XXXX and on XX/XX/year> reached out for further updates on my complaint with no response.
Product: Debt collection

The letter and check dated XX/XX/XXXX was accidentally misplaced and never opened until XX/XX/XXXX. On XX/XX/XXXX a representative and then a supervisor stated that any check issued more than a year ago would not be reissued when I called the number at the bottom of the letter from Portfolio Recovery Associates. The first call that I made to XXXX was answered by a representative that gave me a number to call and that number gave a busy signal repeatedly. The second representative told me that it had been more than a year since the check was issued and that they had been " told today that no more checks would be reissued. '' When I questioned the over a year statement and then the told today no more reissues statement, the rep said that she had been misinformed. I asked by whom because she had not spoken with anyone but me in the past several minutes. I asked for a supervisor and the supervisor told me that the check had been issued XX/XX/XXXX and that it was over a year and could not be reissued. I told her that the check was issued with the letter from XXXX on XX/XX/XXXX and that it had not been a year. The supervisor then told me that it did not matter, that the bank account that the checks had been written on was a contracted account for the purpose of paying the litigated amounts and that it was no longer active. I contacted the CFPB by phone and the man I spoke with suggested that I contact the bank the check was written on. I did so at the number he provided and the bank confirmed that it was an active account. I feel that the representatives acting and speaking on behalf of Portfolio Recovery Associates , LLC attempted to deceive me by changing the dates and reasons that they would not reissue a check in an amount that they clearly owe me. I believe that the supervisor told an absolute lie about the bank account being closed and lied about the date of original issue to attempt to stop me from pursuing the attempt to acquire the money that XXXX clearly owes me. I am not asking for the interest that XXXX has accrued from this amount of money that they owe me, simply a reissue of the check in the amount of {$1400.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and as a result, fraudulent accounts and inquiries have been made in my name without my consent or authorization. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you block and delete the following accounts and inquiries from my credit report. 
Fraudulent Accounts : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX - Amount : {$270.00} XXXX. XXXX XXXX - XXXX - XXXX : XX/XX/XXXX - Amount : {$0.00} Fraudulent 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The are reporting incorrect information about me. Slandering my credibility
Product: Debt collection

On XX/XX/2025 This creditor Credit acceptance and their legal team XXXX XXXX XXXXXXXX XXXX sent notice to my bank to garnish my accounts along with my child 's account. I don't know what this garnishment is about, and I would like to fight against this. I will go through the court to request a hearing, along with getting my money back in the total of {$1500.00} I haven't received any information as to what the collection is about.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account was paid in XX/XX/2022 but still showed late payments over 150 days now affect my credit score and showed to the lenders I have several late payments
Product: Money transfer, virtual currency, or money service

I can not link my bank account to mobile apps that I already have accounts with. ( XXXX, XXXX, and XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I put a dispute in XXXX with Experian about an inaccuracy I found on my credit report after I had already contacted the company. With no response or help from the company. Experian claims they did an investigation on the account, and in return the company keeps changing the date on the inaccurate account. Which is continuing to harm my credit and person well being unjustly. 
The account in question is : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

All 3 credit reporting agencies Equifax, XXXX and XXXX have a lot of incorrect information on my report. 


" NON MAILABLE ADDRESSES " In violation of : 15 cfr 1681 Privacy Act of 1974 Inquires, HARD and SOFT, I have no accounts with them a violation of : 15 usc 6801 - 6805 15 cfr 1681 Privacy Act of 1974 As a federally protected consumer. I want these items removed or extend credit to me in a timely matter in 21 days. Further action will be pursued if necessary, Please contact me for the Non Mailable Addresses
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXXXXXX  XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Product: Credit card

On or about the XXXXXXXX  until XX/XX/XXXX  I notified the credit services about some unauthorized transactions on my credit card account which totaled {$5400.00} per my XX/XX/XXXX  statement Balance. Eventually all unauthorized transactions charges were removed with the exception of one charge leaving a balance as of {$3800.00} per my XXXXXXXX  statement balance. Until this day, Chase Sapphire credit services has not removed nor resolved the particularly unauthorized transaction. By selectively choosing to ignore my inquiries by disconnecting my calls and sending me in circles claiming that this matter is still under review 8 months later is preposterous, and inadvertently causes me to issue payment to protect the integrity of my creditworthiness. This type of business conduct is adversarial and the delay tactics resemble acts of discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

After going through a divorce i order my credit report and i notice a inquiry from XXXX XXXX. I did not authorized this inquiry and I want it removed as soon as possible.I notice it appear two timesvXX/XX/2017 and XX/XX/2017 I notice that XXXX XXXX   give anyone a credit. I also have a credit card from XXXX XXXX XXXX XXXX that I want removed from my credit because i did not open that account. I don't want it closed i want it removed.I did not open this account and i didnt benefit from this account being open.
Product: Credit reporting, credit repair services, or other personal consumer reports

Had XXXX XXXX XXXX sell my loan to seline finance in 2014 after reviving a payment from me that was to be applied to my pay due account. I had late fees with XXXX  but made plans to repay as I stayed correct. They Sikhs the loan to XXXX, with my catch up payment used on ALL late fees which made me a month behind after the sale to XXXX. I contacted them regarding this matter and tho make a long story short, I inquired on things like forbearance or any other way to assist me. They replied they don't did such things and offered no solution but to pay. At the same time, I was reviving a discharge of a chapter XXXX bankruptcy, which was XXXX XX/XX/2014. 
Since XX/XX/2014, even though I'm paying my mortgage monthly, it's not showing on my credit report as not owing a mortgage. This is hampering me on fair credit reporting. 
How can I get this matter taken care of? 

Respectfully submitted, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

1 ) On XX/XX/2023 Citi Cards notified me that my card ending in # XXXX had suspicious charges, a series of $ XXXX purches of phonecards from XXXXXXXX 2 ) I disputed the charges and Citi opened an investigation 3 ) Months went by without notice until I happened to notice that my online balance suddenly increased from Citi reversing the dispute credit 4 ) I received a letter ( that i will attach below ) stating the vendor said the charge was legitimate ; the vendor cited that they had my address ( which was correct ) and a phone number ; the phone number is not tied registered to me- I had no knowledge of this vendor, this phone number, and I have never purchased phone cards 5 ) XXXX said I had not disputed with them in their letter 6 ) I call XXXX early in XXXX, and they would not speak to me because I could not validate the information related to the phone number that the cards were charged too- I CAN'T validate that information because it isn't my account, asked to speak to someone in a supervisory position and XXXX hung up one me 7 ) I called Citi on XXXX to re-open the dispute ; a representative at an off-shore call center promised me it would be re-opened and I would not have to pay these charges 8 ) on XXXX I got a bill reminder ; I called into Citi and they said the dispute had not been reopened. 
9 ) I did not order these cards ; the cards were not delivered to my address and XXXX is hiding who ordered these cards ; Citi 's off-call dispute center seems to be disconnected from US systems 10 ) I am willing to file charges with the FBI and local law enforcement and testify under oath these are not my charges 11 ) I have also filed an FTC complaint against XXXXXXXX the report number isXXXX
Product: Checking or savings account

On XX/XX/year>, I manually transferred {$500.00} to Klarnas account. Realizing the mistake, I immediately contacted Klarnas support team the same day, requesting a cancellation and refund of this transaction. However, my request was denied, and the funds were not returned. 

Subsequently, on XX/XX/XXXX and XX/XX/year>, two unauthorized transactions of {$500.00} each were withdrawn from my checking account by Klarna without my consent. Prior to these deductions, Klarnas app displayed alerts about overdue payments, stating that manual action was required to resolve the issue. Despite these alerts, Klarna automatically debited {$500.00} on both occasions without notifying me or obtaining my approval.

I have contacted Klarnas customer support multiple times regarding these matters, providing detailed evidence, including screenshots of app alerts, bank statements, and written requests. Despite my efforts, Klarna has refused to refund the unauthorized withdrawals and has not addressed the issue of the {$500.00} I transferred on XX/XX/XXXX. 

At this time, Klarna is wrongfully holding {$1000.00} from the unauthorized transactions and {$500.00} that I requested to be refunded after my voluntary transfer. This totals {$1500.00} that Klarna is unlawfully retaining. I request a full refund of these amounts and an investigation into Klarnas handling of these transactions.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a personal loan with Transform Credit and it said i would only be approved for a loan if i get a co-signer so i did not pursue any further. i found out today that they have be charging me {$5.00} per month for something called credit builder but i don't remember approving this at any point when i went to apply for the loan. i tried to cancel online but they cant " find '' my account. i tried to call but they only have the option to leave a voicemail. they sent me an email when i tried to login online that says if i want to cancel the XXXX then reply to the email. I am wondering why they only sent an email about this when i tried to login online. this is clearly a money grab scam that has been shielded through scummy tactics because i originally did not go to their home page. when i found them online the link i clicked took me directly to the loan form and i am pretty sure i would notice something telling me they would take my money just to apply for the loan. XXXX knows how many millions of dollars they have stolen from people already. by the way they say no refunds.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an unauthorized and fraudulent accounts that has been opened in my name. I recently discovered these fraudulent accounts on my credit report and upon further investigation, it is evident that these accounts were opened without my knowledge or consent. 

Below are the details of the fraudulent account : Account Type : XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX Date opened XX/XX/XXXX Account Type : XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX I reviewed my credit report and noticed the presence of an account that I did not recognize. Upon further investigation, it became clear that these accounts were fraudulently opened in my name. I have never applied for any accounts and I have no association with these account whatsoever. 
In light of this fraudulent activity, I am requesting the following actions be taken immediately : Remove the account from my credit report : Ensure that this fraudulent account is removed from my credit report with all major credit bureaus. 

To assist in your investigation, I have attached the following documents : A copy of my identity theft report from the FTC. 
A copy of the police report. 
A copy of my driver 's license or government-issued ID. 

Please consider this matter with the utmost urgency. The fraudulent account is negatively impacting my XXXXt score and causing significant distress.
Product: Debt collection

Re : Dispute of Account Number : XXXX ( XXXX ) To Whom It May Concern : I am writing to dispute the validity of the debt listed on my credit reports with TransUnion, XXXX, and XXXX, under the account number XXXX, associated with XXXX. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 USC 1692g ( a ) ( 2 ) ), I am requesting that you provide me with the name of the original creditor of this account.

Additionally, in accordance with 15 USC 1692g ( a ) ( 1 ), I am requesting validation of the amount of the alleged debt, along with a detailed breakdown of how this amount was calculated. Please note that this request is solely for the purpose of verifying the accuracy of the debt amount as mandated by law.

Furthermore, I am aware of the provisions of the Fair Credit Reporting Act ( 15 USC 1681b ), the Fair Credit Billing Act ( 15 USC 1666b ), and the regulations set forth by the Consumer Financial Protection Bureau ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ), as well as the Fair Debt Collection Practices Act ( 15 USC 1692c, d, e ).

I expect your agency to conduct a thorough investigation into this matter and provide me with the requested information within the statutory timeframe of thirty days. Failure to do so may result in legal action to ensure compliance with the aforementioned laws.

Please confirm receipt of this dispute letter and promptly initiate the investigation process. 

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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXXXXXX .... Balance : {$82.00} ; XXXXXXXX XXXX XXXX .... Balance : {$22.00} ; XXXX XXXX XXXX XXXX .... Balance : {$78.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$4.00} ; XXXX XXXX XXXX XXXX XXXX. Balance : {$140000.00} ; XXXX XXXX XXXX XXXX Balance : {$620000.00}
Product: Mortgage

I have a home equity line with Wells Fargo Bank and I setup an automatic payment so that they can make these withdrawals on time as well. The bank was unable to withdraw money from my account where I have plenty of money to satisfy the withdrawal and they have charged me all sorts of late fees and this is happening for the second time. I had to get on the phone and explain to them how this is not my fault and I was assessed several late fees which they will not remove from my account. On top of this they keep sending me collection letters with the wrong amounts on them. I need help with this situation. My loan number with Wells Fargo is XXXX