23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I was repaying my student loan to navient in which it was  XXXX  intereste. I ended up with  XXXX  and had a  XXXX . I needed to call them to reschedule and keep the  XXXX  interest with the payments I was making, I unfortunately was unable to call them so they now have raised it to 10 % and over {$15000.00} and interest was added. I borrowed  XXXX  and I know all them  XXXX . The cosigner is my husband we are willing to make payments I am on  XXXX  but they will not lower back down to 4.0 % interest
Product: Payday loan, title loan, or personal loan

I got this loan in XXXX this thinking it was a XXXX XXXX but it wasnt. I got this loan for {$90.00} and they broke it down in 4 payments to pay it back. So I made 1 payment in XXXX and 1 payment in beginning of XXXX, so I had one payment due at the end of XXXX which I had a problem with my bank at that time in the possible financial app there you can extend your payment to a later date which I did. By the middle of XXXX I contacted them by email to let them know what was my balance so I can send them a money order of my balance. So I sent them a money order of total balance due on XX/XX/XXXX. The following week I emailed them they told me they received my payment and that it was paid complete. They told me my account status was paid complete on time. Now on my credit report it shows 60 days late with a balance I try to contact them but no response. I have attached all emails that I had contact with then. 
Please fix this Thank you.
Product: Credit card

On XX/XX/XXXX I made an ACH payment in the amount of {$17000.00} from my bank ( XXXX ) to the credit card company ( Citibank ). Citi shows this credit amount to my account on the same day, XX/XX/XXXX. However, they did not make the amount paid available under my credit limit and when I called to ask about this they said it was XXXX XXXX  policy to hold payments. I was then informed that my available credit limit would not reflect the XX/XX/XXXX payment until XX/XX/XXXX, more than XXXX business days following the payment. Meanwhile, my bank account reflects the reduction of funds immediately, since its an ACH payment I know that Citi has the funds, yet I lose all benefit of that {$17000.00} in my bank account ( no interest earning ability ), yet receive no benefit via available credit with Citi. Why should Citi get to hold my money for free for all of those days when they can clearly verify the payments was received? This seems very unfair to consumers. If I dont pay my balance in full they charge me interest so why shouldnt they owe me something when they hold my funds like this.
Product: Credit reporting or other personal consumer reports

These are the accounts opened on my XXXX XXXX Experian and XXXX account which are incorrect. I did not open those accounts. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date opened : XX/XX/XXXX Balance {$2000.00} XXXX. XXXX XXXX XXXX XXXX XXXX, GA XXXX Date opened : XX/XX/XXXX Balance {$660.00} XXXX. XXXX XXXX XXXX MERCHANDISE XXXX XXXX XXXX, IL XXXX Date opened : XX/XX/XXXX Balance : {$870.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Date opened : XX/XX/XXXX Balance {$950.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Date opened : XX/XX/XXXX Balance {$6300.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Date opened : XX/XX/XXXX Balance {$3300.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Date opened : XX/XX/XXXX Balance {$1100.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date opened : XX/XX/XXXX Balance : {$1100.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX. XXXX XXXX XXXX XXXX XXXX, WA XXXX Date opened : XX/XX/XXXX Balance : {$150.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Date opened : XX/XX/XXXX Balance : {$1700.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date XXXX Balance {$2100.00} XXXX. XXXX XXXX XXXX XXXX XXXX, TX XXXX Date opened : XX/XX/XXXX Balance {$3400.00} XXXX. XXXX BANK XXXX XXXX XXXX XXXX XXXX, FL XXXX Date opened : XX/XX/XXXX Balance {$220.00} XXXX. XXXX XXXX XXXX XXXX XXXX, DE XXXX Date opened : XX/XX/XXXX Balance : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, MN XXXX Date opened : XX/XX/XXXX Balance : {$3300.00} XXXX. XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date opened XX/XX/XXXX Balance : {$2300.00} XXXX. XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX, SC XXXX XXXX opened : XX/XX/XXXX Balance : {$670.00} Address incorrect : XXXX. XXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX, FL XXXX Phone Numbers incorrect XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to XXXX XXXX XXXX on XX/XX/XXXX that was signed for on XX/XX/XXXX. The letter was a formal notice of dispute. 

I waited 37 days to verify XXXX XXXX XXXX violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the required disclosure, notice of dispute, within the required 30-day period. 

I sent a certified letter to Equifax stating that XXXX XXXX XXXX did not notify Equifax about my dispute along with a copy of my initial dispute letter to XXXX XXXX XXXX, proof of delivery, credit report dated XX/XX/XXXX, and a credit report dated XX/XX/XXXX to show that the notice of dispute statement was not reported. 

Equifax has disregarded my proof of XXXX XXXX XXXX 's violation of the law and refuses to remove this trade-line.
Product: Credit card or prepaid card

Bank of America Visa card has been compromised again! Third or fourth time in as many years. Getting tired of this old story. BoA does not identify the problem merchant, or any other cause.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Tranunion continue to report fraudulent student loans on my credit report that do not belong to me. I have tried to dispute these accounts to no avail. They are both in violation of the FCRA.
Product: Credit reporting or other personal consumer reports

Capital One once again messed up the reporting of my card which is against the Fair Credit Reporting Act. They adjusted the credit history with the agencies and the agencies adjusted my score. After talking to XXXX ID XXXX we discussed the fact that he was going to make sure my payment history was reported accordingly. I told him my score finally went back up but I was unsure of XXXX as I had t heard from them. He talked to me on XX/XX/XXXX and he told me he would make sure it was reported with the correct code. As of XX/XX/XXXX, my score increased XXXX points. XXXX then filed a dispute and I got notified in my email. Today i received notification my XXXX score decreased XXXX because i had no payment history. Once again Capital One is trying to XXXX me over with their reporting as they told the bureaus the card was closed when it was never closed. I received a letter from Capital One stating it wasnt closed through the CFPB yet they again misreported it! This has caused me to lose a house loan due to their error and if its not recited this week, they will be getting sued! I have made on- time payments since XXXX. The card was open XX/XX/XXXX but not used until XX/XX/XXXX. Payments on time since then. I do have a case and if they do not start reporting it correctly and rectifying the error they made XXXX already, I will file a lawsuit against this company. XX/XX/XXXX it was correctly reported. By the XXXX XXXX again misreported it and the score dropped the exact amount of points! This is not ok to do to someone just because this company is incompetent. It has ruined my life on more than XXXX occasion in less than XXXX! I wont stand for it. They have incompetent staff.
Product: Credit card or prepaid card

I found several times my Discover card account has charges not authorized by me on my account. The first time I contacted them and tried to get it stopped the only way I got it done was to pay off the card. Now they are doing it again, even tho ' I told them not too and I didn't want this account coverage protection ... they say it is to pay for the account balance protection should I get ill or something happens and I am unable to work. But I have been hospitalized several times and they did nothing but keep collecting this fee each and every month ... finally, the last time I told them to stop they e-mailed me and said to go to this specific website and do it there ... so I go to the website they said and the path to terminate these unauthorized charges are not there ... they must have collected thousands of dollars off me for this scam ... and I really question if there are others out there being affected by it also ...
Product: Mortgage

My wife and I purchased our first home in XX/XX/XXXX, our mortgage company is CMG financial. We negotiated a 1 % buy down which brought our mortgage to around XXXX. When the escrow account was reevaluated in XX/XX/XXXX, they indicated that the account was almost XXXX short, largely due to an severe underestimation of the property tax. Roughly XXXX was set aside for property taxes instead of a figure closer to 1 % of the property value ( XXXX ). On our original mortgage documents, there is a line that clearly indicates the taxes the previous owner had paid in XXXX ( XXXX ), but they still only set estimated taxes at XXXX. Ultimately, our mortgage is now XXXX a month due to the rate going back up to 7 %, the back escrow owed, the increase in taxes and insurance. If the taxes and escrow had been properly estimated, there is a very good chance that we would NOT have closed on this property due to the expense. We feel as though we have been misled, either maliciously or through negligence. We pay the title company and mortgage company to handle all these details because of our relative ignorance and it feels like one or both of them have dropped the ball on this.
Product: Mortgage

On XX/XX/XXXX, I applied for a loan modification due to me getting XXXX and lost my job. I applied for a loan modification through the current mortgage XXXX Mortgage. I was on track for a modification through XXXX mortgage. XXXX Mortgage sold/transferred my mortgage to the Cadle Company on or about XX/XX/XXXX. 
I made contact with Cadle Companys representative, XXXX XXXX and XXXX XXXX told me that they are not under obligation to continue the loan modification. XXXX XXXX has told me that the XXXX XXXX for XXXX does not apply to the Cadle Company XXXX 
I have further researched the Cadle Company and have learned that they are a debt collector not a mortgage servicer. The previous mortgage company has sent the entire loan modification file to the Cadle company that includes my application for a loan modification. I have also sent the Cadle company a copy of the application that XXXX mortgage had sent to them during the transfer. The Cadle Company has not honored the modification and denied my assistance. I applied with NM XXXX for assistance in catching up with the arrears and the Cadle Company has been paid of {$20000.00} to help catch up on my payments. To date, I have had no luck with the Cadle Company completing the loan modification.
Product: Mortgage

I went though a modification but the bank did't bring down the amount down enough we thought it would be a lot lower than it is originally it was at XXXX then went down to XXXX that really is not enough need to drop a lot more like XXXX the bank is not very easy to work with thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation has taken more than 30 days. I sent the first letter on XX/XX/XXXX and the issues have STILL NOT BEEN RESOLVED. I have asked Equifax for proof of validation for several items but instead I was sent a copy of my credit report. I demand that XXXXXXXX XXXX in the amount of {$840.00} be immediately removed from my credit report. 

Also, per 15 USC 1681b 2 : I demand Equifax Information Services Inc. remove the following inquires as I never gave written instruction to reflect the inquiries : 1. XXXX - XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 3. XXXX XXXX - XXXX XXXX XXXXXX/XX/XXXX 4. XXXX XXXX - XXXX XXXX XXXXXX/XX/XXXX 5. XXXX XXXX - XXXX : XX/XX/XXXX 6. XXXX - XXXX XXXX XXXX XXXXXX/XX/XXXX 7. XXXX - XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

My Wells Fargo overdraft fees are ridiculous, no matter how fast I transfer money before the deadline that they gave me they still are overcharging me a {$35.00} fee. My overdraft fee jumped from {$91.00} to {$200.00} In a matter of minutes and the explanation given made absolutely no sense. I complained about them before and it got better but now it is getting worse. I am truly tired of trying to keep up with their fees an now I need your help. This happened today XXXX XXXX. I have talked to many reps with no resolution. Please help.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX acct number XXXX opened XX/XX/year> was not opened by me, its a result of Identy theft I have never done business or acquired their services. Ive already disputed several times with credit bureaus, submitted ftc reports, police reports, identification, and address verification. I last requested verification to prove I opened the account nothing was provided to this day.
Product: Mortgage

I sent a PMI cancellation request via email on XX/XX/XXXX. The company auto-replied that it will respond within 30 days. A month passes without a reply or resolution. I called in on XX/XX/XXXX. Customer Service said they can not transfer me to the PMI department nor could they provide direct contact info. They advised they will put in a request for PMI dept to call me back within 48 hours. No one called back. I called in again on XX/XX/XXXX. It was the same situation. They validated the phone number and could not transfer me to the PMI department. The supervisor did not allow a transfer request. 

To my knowledge, they must respond within 30 days to request for more information or to deny my request. I did not get any request for more information. It is my understanding that they can not deny my request at this point without being in violation of the Homeowner 's Protection Act.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the removal of an unauthorized hard inquiry on my credit report. According to my recent credit report, dated XXXX from XXXX XX/XX/year> XXXX XXXX XXXXXXXX TransUnion XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX TransUnion XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XXXX TransUnion XX/XX/year> XXXX XXXX  TransUnion XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX  XXXX TransUnion XX/XX/year> XXXXXXXX XXXX TransUnion XX/XX/year> XXXX XXXX XX/XX/year> which I did not authorize any of these inquires i have no relationship with any of these banks. 

I understand the impact that hard inquiries can have on my credit score, and it concerns me greatly that an inquiry was made without my consent. I hereby request your assistance in investigating and removing this unauthorized inquiry from my credit report. Enclosed are copies of my credit report highlighting the disputed inquiry for your reference. I kindly ask for a prompt response to this matter and for the inquiry to be removed within the timeframe set by the Fair Credit Reporting Act. 

Thank you for your attention to this important matter. I look forward to your swift action to correct my credit report.
Product: Checking or savings account

Hi I am reaching out today XXXX, because of a deposit of a postal money order I made on XX/XX/XXXX. I deposited XXXX $ worth or money orders into my checking account. The money was to pay my rent which is due XXXX. The deposit was held for 7 business days due to an exception hold. I am not a new customer. I am in dire need of the funds or I will be evicted from my apartment. I spoke with representative XXXX in the deposit apartment at XXXX PT and informed him of my situation. His snark attitude threw me for a loop. He explained he can not help me with the hold. I asked nicely to speak with a supervisor with which I was met with disdain and an uncooperative attitude. I was told I would not be able to speak with a supervisor as they would reiterate what he said. XXXX cut me off while I was talking and was being rude. I threatened to call CFPB which motivated XXXX to get his supervisor on the line. I then spoke with XXXX, who is the floor supervisor. She advised me that due to being a XXXX, my postal money order was unable to be verified and the hold would remain for 7 business days. If I dont pay my rent by the XXXX I will be evicted and homeless. 

Is there anyway I can have access to my funds by the XXXX to pay rent? 

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

XXXX XXXX XX/XX/19, XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/19, XXXX XXXX XXXX, XXXX- XXXX XX/XX/19, XXXX Reports XXXX - XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX. I just want it noted that their Customer service Representative would not help take care of the negative inquiries on my credit report.
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft and as a result had fraudulent activity occur on a Target credit card. I have disputed this directly with Target who upon investigation provided with me details of account numbered completely differently from the one documented on my credit report. Additionally I requested the IRS required 1099-c document to verify that the debt that was sold to a third party collection agency was reported properly as a source of income. This has never been supplied which only further supports my compliant of Target erroneously assigning bad debt to hard working consumers without maintaining appropriate records. I have attached full documentation of the situation and request that the damaging and inaccurate information be removed from my credit reports at once.
Product: Mortgage

I had an unjustified foreclosure created by OCWEN with misleading " assistance '' that lead to 6+ years of court- for all the same issue that have been seen by others in complaints against the company. FINALLY, with help of law office, we closed the case in XX/XX/XXXX with all payments up to date and a modification agreed to. 
Even though, to reach the modification, we went beyond the 3 months trial payments ( trial mod was XX/XX/XXXX ) and continued to pay for ONE YEAR after the supposed trial term. They even kicked back payments, refusing to accept them and then claiming we did not make the payments. This confused the attorneys on both sides. 
Finally, after being asked to submit 3 months payment at once to catch up after they refused the money, I was told by their attorney that, going in to XX/XX/XXXXtrial date ( XX/XX/XXXX ), if I made that month 's payment as well, they would finalize the modification ( even though mod agreement only specified trial 3 months back in XX/XX/XXXX. ) I complied and all payments - according to their attorney - were up to date in XX/XX/XXXX and the foreclosure case was closed, with a new modification for me. This new mortgage was worse than the first with OCWEN increasing my initial payment by hundreds, adding property insurance and DOUBLING my existing mortgage ( also handcuffing me to this new mortgage by promising to take thousands off if I make payments over the next few months/years. ) 2 weeks after the case closed, I received a new statement from OCWEN that said I owed an additional {$8000.00} and that I was one month late with my monthly mortgage payment. 
Multiple phone calls to OCWEN only serve to bounce the issue from person to person, department to department with no resolution. They claim the amount is owed from payments that I have already made, they make no effort to clean up their own mess and have now issued a notice of default AGAIN, threatening to foreclose.When asked for details about the amount they say is owed, the people on the phone said to contact the research dept. to investigate ... .this is basically like having me defend my status instead of them proving what they are claiming. 
Besides the mess of a modification and new mortgage payments, this is OCWEN taking things to a whole new level by being misleading, unhelpful, and giving me the run around to waste time - on purpose.
Product: Student loan

Received notice from UAS of two missed payments from XX/XX/2022 on a late notice dated XX/XX/XXXX. I received it to my home on XX/XX/XXXX standard mail. I checked my bank statements and both of the payments were issued to UAS via autopay XX/XX/XXXX and XXXX. I contacted them on XX/XX/XXXX to notify them of their error. Received a message from XXXX on XX/XX/XXXX that I did make both payments and that he requested those errors be corrected. My credit dropped 25 points XX/XX/2022. When I noticed on Monday XX/XX/XXXX I contacted UAS for the second time and they told me they would manually correct this ( which I had already asked for in writing XX/XX/XXXX ). This time I spoke with XXXX. I am worried that they will not follow through if h being this is the second attempt to correct it and it is now affecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account  # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX violated my rights 15 U.S.C 1681 section 602 A States I have the rights 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.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.15 U.S.C. 1681c ( A ) ( 5 ) No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedate 's the report by more than seven years. I have received letters from different credit reporting agency on these accounts listed above that was DELETED for inaccurate reporting on my credit report. Some accounts has come back verified. I have asked for the method of verification several times but NO response.
Product: Mortgage

I currently have my mortgage payments set up thru Autopay with my mortgage. In addition to my regular monthly payment I have elected to pay and additional amount each month towards principal. Every single month since I have set this up, the amount that is supposed to be applied to additional principal has been misapplied by my mortgage. I have to call every single month and have this corrected. I feel that this should not be happening and I also feel that they are hoping that I am not checking so they can continue to collect interest on my account instead of applying the payment towards my principal. I have asked every time I call, which is every month, why this keeps happening and no one has an answer as to why this keeps happening!!