23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some issues with addresses on my file that I keep complaining about. the following addresses are not mine. I am working on my new company and they can verify my correct information. Please please delete the following addresses they are not mine : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX MY FULL NAME IS XXXX XXXX XXXX SS  XXXX, DOB XX/XX/XXXX. PLEASE REMOVE ANY AND ALL MISPELLINGS OF MY NAME. I HAVE SEVERAL UNVERIFIED ACCOUNTS SHOWING ON MY CREDIT REPORT. I WAS A VICTIM OF FRAUD SO I NEED ANY UNVERIFIED ACCOUNT REMOVED.
Product: Money transfer, virtual currency, or money service

Ive been using Zelle for over 5 years now and prior to a few years ago, I had XXXX instances of trying to send money to friends or family for payment or gifts. On multiple occasions, I sent money to the wrong person and there was ultimately no way to get these funds back. I tried calling my bank but they referred me to Zelle. Once I talked to them, I asked for help to obtain my funds and there was nothing that they could do. I dont feel as though it was clear enough on the app to confirm where I was sending and even verifying the amount. It was so fast like as soon as I press XXXX buttons, it was gone. I dont think this is right. Altogether, Ive lost over {$900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  XXXX XXXXXXXX ) XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

In the summer 2016 XXXX XXXX closed it 's doors while I was going to school. I had gotten student loans from XXXX XXXX and was told because the school closed those loans would be discharged. I followed XXXX XXXX 's instruction and was denied. They told me i was denied because the loans were in use with another school, XXXX XXXX XXXX XXXX, the school I go to now. However, because XXXX lost its accreditation no school i found will take XXXX credits including XXXX. They first claimed the loans were knew and only for XXXX however I got the loans three months before I even enrolled in XXXX. They said they made a mistake and told me to resubmit my paperwork and they 'll take care of it. Something I sent along with my forms were documents from XXXX that they did not receive XXXX transcripts and if they did n't they would n't be able to use them because of loss of accreditation. This was about 4 months ago and I still have heard nothing from XXXX XXXX and after checking my account the balance is still there. This process has been nearly a year. I feel like I 'm being scammed by XXXX XXXX, should this take this long.
Product: Credit card or prepaid card

On XX/XX/2023, between XXXX XXXX and XXXX XXXX, we were at the Macy XXXX store in XXXX at XXXX / XXXX location shopping for dresses for my son. 

My husband is already an Macy 's Star rewards member. 

The sales associate who was checking me out, deceptively collected my SSN and had me sign a credit card application form that I am not in need of. She said she will give me 25 % discount if I provided my social and click agree on the display. Despite repeated enquiry as to why it is needed, she kept pushing me that it is for my benefit and that I will be getting discounts.

After the checkout, the sales associate when she handed me the Creditcard booklet is when I realized that she applied for a new Macys Star Rewards credit card. When I confronted, she tore off all the paper documents and put them in trash and did something in the system and said that she voided all of her actions with no impact and she asked me not to share it with anyone. It is apparent that she made the choice for me and she did not let me choose what I wanted to do in this case. 

A few days later, my XXXX report said that there was a credit hit on my profile.

I did not expect the practices to be deceptive from a company like Macy 's.

Attaching herewith the receipt of purchase. Please note that the card number in the receipts and the new card that was applied for are not the same.
Product: Debt collection

I have a claim recap from XXXX XXXX XXXX XXXX XXXX ( date prepared : XX/XX/2019 ; date of service : XX/XX/2019 ) stating that there was an expense of {$1100.00} and I had to pay an amount of {$0.00} out of pocket to the provider XXXX XXXX XXXX XXXX XXXX XXXX.

I also have a statement from XXXX XXXX XXXX XXXX ( statement date : XX/XX/2019 ) stating I have an amount due of {$1100.00}, with insurance covering an amount of {$0.00}. I assumed that insurance has already covered this.

I have called XXXX hospital and they have stated that they have sent the debt to CMRE Financial Services Inc. and I ignored them, thinking that insurance has already covered the debt, especially when it was from so long ago and that XXXX has sent a letter stating that they have covered it. Collection is on me and is not on my fault because insurance has not sent clear instructions whether to pay this amount with our insurance card or not.

It was never clear that there was a check sent to us ( not in the amount of {$1100.00} ) from XXXX   to pay for the expenses of the hospital.
Product: Mortgage

Lender : Bank of America, Home Loans, XXXX 2016 to XXXX 2016 Issue # 1 ) My wife and I were promised by BofA that after a loan modification was completed, our last three months of our reported credit reports ( All XXXX agencies ) would be marked " Pays as Agreed, '' " On Time, '' " No Delinquencies. '' Now, 60 days have passed after the successful completion of the program, we have been current and on time for past 5 months, and BofA has still not made the corrections. 
Issue # 2 ) We had excellent credit prior to the forced loan modification. BofA would not assist via a home loan refinance, and told us the only option would be to " Default '' on our mortgage, and then we could qualify under 'other ' programs. Our intentional default was directed by BofA, and now we have taken a major hit to our FICO scores ( as partially expected ), but were promised that the retroactive repairs to the last 3 out of 6 months would be corrected to demonstrate a resolved and satisfied account. 
Issue # 3 ) Horrible Loan Modification Option - With excellent income, and no option but to intentionally default, the final loan modification was a balloon payment loan. No choice! We had no option to Refi, or apply for a conventional or jumbo fixed rate loan. BofA basically had us by the XXXX!
Product: Checking or savings account

This bank treats me horrible after being a car holder for years they shut me down and its been years Ive been trying to open an account now recently I was declined due to the past accounts that were closed by them I find this unfair that they let me bank with them again I was never told I wouldnt be able to have account now or the future but they are making it very difficult for me to have new accounts with their bank they hate me and dont want to do business with me but I wasnt a bad customer I dont see what the problem is
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the reporting of XXXX XXXX XXXX on my TransUnion credit report. It is being reported as " Charged Off ''. It was included in my Discharged Chapter XXXX, dated XX/XX/XXXX, case # XXXX My last dispute was in XX/XX/XXXX
Product: Credit reporting

I sent in several disputes to Transunion in XX/XX/XXXX and received a new copy of my credit report with each one having been " verified '' I requested further information/reinvestigation even after 2 additional requests for reinvestigation and method of verification and received nothing. Then today I received a XXXX page letter with a definition of investigation. Not a definition of an investigation into my specific request but a definition of the word investigation. I have attached a copy of the letter along with the copy of my " verified '' report from XX/XX/XXXX. Matching report numbers but again no verification. It has been well into 75+ days and they have shown no reinvestigation. 
Transunion needs to delete the disputed lines that they say they " verified ''
Product: Money transfer, virtual currency, or money service

Cash app has robbed me by embezzlement of funds people I never heard I'd XXXX  od dollars
Product: Vehicle loan or lease

they keep denying me wont tell me why i keep asking for specific reasons they wont tell me why they blacklisted me they told multiple dealers this customer is balcklisted will never get a loan with bmwXXXX XXXX financial services nto sure this is legal
Product: Debt collection

In XX/XX/XXXX, I was notified by the HR Department of my full-time employer that my pay would be garnished to satisfy a debt regarding paperwork filed by XXXXXXXX XXXX  XXXX on behalf of Midland Credit . The amount of {$280.00} was deducted twice per month during each pay period from XX/XX/XXXX to XX/XX/XXXX. The HR employee told me that the amount of the debt to be collected is {$4600.00}, which was the amount withheld from my paycheck over the 8 month period. I contacted the Payroll Department in XX/XX/XXXX as the garnishment was nearing completion to ensure that my normal pay would resume after XX/XX/XXXX. I was told that the debt would be satisfied at that time. After XX/XX/XXXX, my pay resumed and payroll records show that {$4600.00} was withheld from my paycheck and sent to XXXX XXXX XXXX. I was thankful that this matter was resolved and relieved so that I can move on with my life. 

On Monday, XX/XX/XXXX, I received a letter from XXXX XXXX XXXX indicating that they had sent the same writ of garnishment filed XX/XX/XXXX to a part-time employer. This writ of garnishment is the same as the one satisfied by payroll from my full time employer for {$4600.00}. It was filed less than one month after the debt had been paid by my payroll from the full-time employer. Additionally, XXXX XXXX XXXX added interest fees to this writ of garnishment for {$260.00}. XXXX XXXX XXXX have begun collecting money from my second employer, which is a part-time contract basis role. They collected {$130.00} on XX/XX/XXXX. This is clearly an overpayment as this debt was resolved in XX/XX/XXXX through my payroll from my full-time employer. 

I am greatly concerned that XXXX XXXX XXXX are trying to collect more money than they are owed for a debt that has been paid as of XX/XX/XXXX. I am requesting that the writ of garnishment sent to the second employer be withdrawn and the employer be provided with instructions to discontinue withholding money from my paycheck. I have included the writ of garnishment filed on XX/XX/XXXX, which was sent to the second employer after the debt was paid in full to XXXX XXXX XXXX in XX/XX/XXXX. I also want all overpayments immediately refunded to me.
Product: Vehicle loan or lease

Penfed auto loans interest rates for Puerto Rico are higher than the rest of the nation. In their website they have below the rates table an statement excluding Puerto Rico from the table and when I called customer service they are .50 % higher than the ones showed. XXXX XXXX XXXX It is a discriminatory practice since I have a credit score of XXXX which I can be approved as another person from the mainland. I comply with the risk requirements involve in a repayment/risk analysis. It seems like a redline practice.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Closed/acct status charged off. XXXX written off as of XX/XX/year>XXXX XXXX XXXXXXXX Closed/ acct charged off XXXX written off XXXX as of XX/XX/year> Discover Closed Acct charged off XXXX written off XXXX All of these companies are committing fraud by not supplying me with a 1099 showing that they have excepted payment yet have persuade collections to receive more payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score went down by 50 points on XX/XX/XXXX because of credit inquiry from some LCS FINANCIAL service. Never talked to heard of or dealt with anything with this company.
Product: Checking or savings account

I opened a Wells Fargo checking account on XX/XX/2023 under a {$320.00} promotion. I met the qualifications on XX/XX/XXXX. I received the recommendation to open from someone I know and their promotion posted several days after the 90 days. I have several friends that have opened under this promotion as well and it's always a few days after the 90 days. I called customer service the first week of XXXX and they told me the promotion was attached and it was in pending status. After it not posting, I have made multiple attempts at communication to resolve the problem with no success. I have tried social media, emails, phone calls, and noone seems to resolve the issue with a credit. 
Also, I opened the account online and for some reason the system accidentally opened XXXX accounts. After calling customer service, they said this wouldn't be a problem, they would just close the XXXX and it wouldn't affect the bonus. They told me they go by the 12 month mark from when a bonus was last received, not the closing date and assured me everything would be fine with the bonus. I would just like my account credited for the {$320.00}, thank you.
Product: Mortgage

JFQ sent misleading letter implying you need to call them to get a cash disbursement under FNMA. They are sending intentionally misleading advertising to vulnerable homeowners during the pandemic.
Product: Credit card

I called Fortiva last week and specifically told the agent, I was calling to make a payment to fix my account because I was behind. I also, asked how can you help me? I was under the impression I was making a payment to get my account in good standing. After, the I asked about my available credit, the agent told me to call back in a week and everything should be okay. Today, a week later Im calling to check on my balance excited I fixed my account, most of all my credit. Suddenly, they tell me my account is closed. I was alarmed knowing I spoke to the agent who misled me, and never told me my account was closed when I was making a payment. Nobody ever mentioned it to me on the call which is recorded. Nevertheless, the mail they said they sent out in XXXX. I have been ill for a few months, mail is pilled up. Even if I never received the notification regarding my account via mail. It should have been communicated to me when I made my payment to get in good standing. The call is recorded, I was lied to,, misled, ripped off, and still without my account. They closed it, had me thinking making the payment, Id be in good standing. You can clearly hear me in the recording asking for help to fix my account. After I told the agent I was go to report this matter. The sent me a message instantly saying I owe them {$99.00}.
Product: Vehicle loan or lease

I am filing this complaint for my son and myself On XX/XX/XXXX, my son and I went to XXXX XXXX to purchase a used car. I was asked to pay a {$4000.00} down payment for a XXXX XXXX XXXX ; cost of car XXXX. I informed the car salesperson ( XXXX ) at the dealership that I only had XXXX to put down. She told me they would accept the XXXX and put me on a payment plan for the remaining XXXX. I was scheduled to pay a total of XXXX payments of {$660.00} on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. After the payments were successfully made in cash. i contacted XXXX to find out how I would make my new monthly payments of {$580.00} to Lobel Finance company. The first payment to Lobel was successful on XX/XX/XXXX ( I asked for proof of payment but to no avail. I contacted XXXX at XXXX XXXX on XX/XX/XXXX to make a payment towards my car. XXXX told me my card was declined. I did not have a declined notice on my end. I told XXXX we would arrange a way to make a payment. The car was repossessed from XXXX XXXX XXXX XXXX on XX/XX/XXXX. I was devastated. 

The agreement was to put the car in my name. I later noticed the car was in my son 's name. We have XXXX vehicle registrations : with XXXX different names. Both registrations have the same VIN numbers but different tag numbers. I also noticed that I received a letter from Lobel ( after the car was taken ) that states the loan was denied. 

I spoke with XXXX and XXXX at dealership after the car was taken ; they both stated they did not know why the car was take and they refused to refund the down payment of {$4000.00}. 

I spoke with XXXX at Lobel after calling XXXX and XXXX after the car was wrongfully taken ; He informed me : the finance company sent me a letter dated XX/XX/XXXX that the loan was denied ( which is the letter I found ). However, the car is not in XXXX XXXX 's name and Lobel took a payment of {$580.00} in XXXX. XXXX also stated the car dealership has committed this type of fraud to XXXX different customers, which is why my loan was denied by Lobel. However, Also, on the letter from Lobel financial, I noticed another auto sales company named XXXX 's XXXX XXXX. In addition, XXXX at Lobel stated that the car dealership made a payment to them ( Lobel ) for the total amount of the car before the car was wrongfully repossessed. Lobel refused to refund {$580.00} that was paid to them for the car that was wrongfully taken from me. They stopped answering the phone for me. 

After the car was wrongfully repossessed, I was forced to pay {$150.00} in cash to remove personal items from car. I was denied a receipt for this transaction. 

I went to the dealership to retrieve the car contract and other paperwork. I went home to do a little research and realized that the down payment of {$4000.00} was added to total price of the car when it should've been deducted. I also realized that pursuant to 15 USC 1662 ( b ) - it was illegal to make a down payment. I also noticed that I was never given the right to rescission. 

Dealership : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX LOBEL Financial XXXX XXXX XXXX XXXX XXXX, CA. XXXX XXXX
Product: Credit reporting

The TransUnion credit reporting agency incorrectly deleted my XXXX credit account in the year XX/XX/XXXX. I have been trying since XX/XX/XXXX to have the account re-opened. XXXX has sent three separate requests to TransUnion to report the account, but TransUnion has taken no action to re-open the account. 

The account was being reported on my wife 's TransUnion credit report as recently as the year XX/XX/XXXX ( TransUnion file number XXXX dated XX/XX/XXXX ), and so we submitted an online dispute on XX/XX/XXXX asking to have the account reported on my credit report. The TransUnion investigation results listed the account as " Deleted '' ( file number XXXX dated XX/XX/XXXX ), and we later discovered TransUnion had deleted the account from my wife 's credit report ( file number XXXX dated XX/XX/XXXX ). 

XXXX submitted their first request to the XXXX major credit bureaus to report the account in XX/XX/XXXX, and discovered both TransUnion and XXXX were not reporting the account. XXXX has always reported the account. XXXX sent a second request on XX/XX/XXXX to have the account reported by TransUnion and XXXX. XXXX is now reporting the account per their Report Confirmation number XXXX dated XX/XX/XXXX, but TransUnion is still not reporting the account ( TransUnion file number XXXX dated XX/XX/XXXX ). I contacted XXXX again on XX/XX/XXXX about this issue. Their investigation dated XX/XX/XXXX revealed the account ending in XXXX is being reported by both XXXX and XXXX, but not TransUnion. 

I sent another dispute letter to Transunion on XX/XX/XXXX asking them to re-open the account in question and provided the above details. They responded with a form letter dated XX/XX/XXXX indicating the information I am disputing " does not currently appear on [ my ] TransUnion credit report. '' The XXXX account is our second oldest credit account, having been opened on XX/XX/XXXX per my wife 's TransUnion file number XXXX dated XX/XX/XXXX. TransUnion 's continued refusal to fully investigate and report this account is causing my wife and I potential harm by not accurately reflecting our current credit history. I have made a good faith effort over several years to resolve this dispute, but am now asking you to intervene on our behalf. I believe TransUnion needs to speak directly to XXXX to understand which account should be reported. XXXX has tried to have the account reported through conventional means ( and succeeded with XXXX ) ; and our attempts to have the account reported only resulted in TransUnion deleting the account from my wife 's credit report. 

Thank you for your time and attention to this matter. If you need any additional information, please let me know.
Product: Money transfer, virtual currency, or money service

I was scammed out of {$4300.00} from a hacker over on XXXX pretending to be one of my friends how told me to buy XXXX and submit it to a cryptocurrency address for " investment '' over on a website called, XXXX XXXX XXXX  This all occurred on XX/XX/2022.
Product: Student loan

I have been on an income driven payment plan for my student loans for several years ( REPAYE program ). Last year ( XXXX ), while my loans were serviced with XXXX I recertified for the IDR program and the amount due for the next year was calculated at {$1000.00} to begin on XX/XX/XXXX ( XXXX until then ).  Shortly after recertification, I transferred my loans to FedLoan Servicing. I payed them {$1000.00} in XXXX, XXXX and XXXX of XXXX and {$1000.00} in XXXX. 

On XX/XX/XXXX of XXXX, FedLoan Servicing sent me a letter to notify me that they had recalculated the amount due under my payment plan and that beginning XX/XX/XXXX, the payment would be {$1000.00}. I called them in XXXX to ask why they recalculated it and for a record of what information they used to calculate the new amount. Based on my AGI and household size, there is no mathematical way to arrive at a calculated payment for the REPAYE program of {$1000.00}. I contacted them again in XXXX to ask about their progress on the information I requested. 

In XXXX I received information, but it did not explain the wrong calculation. I called them that day ( XX/XX/XXXX ) to again argue that that their calculation was incorrect. Two people confirmed that the calculation was incorrect. One did not understand why it was wrong ( and told me that it didn't really matter since it was just off by {$15.00} ) and the other gave an explanation of some sort of error by XXXX ( which does not make sense ) and FedLoan Servicing 's calculation algorithm. I was also told there wasn't a way to change the miscalculation in their system. I was instructed to go to the studentloan.gov website and recertify again so that the correct payment amount would be recalculated. 

On XX/XX/XXXX I received the results of the recertification saying that FedLoan Servicing denied the recalculation. The incorrect payment amount still stands. 

The REPAYE calculation is simple. FedLoan Servicing has calculated it incorrectly. They have admitted it is incorrect. Yet, there seems to be nothing that can easily be done to correct this problem. I will continue to work with FedLoan Servicing to get it corrected.