23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

UWM was the mortgage holder on my home in Florida, they then sold off the loan to XXXX XXXX and once XXXX XXXX took over the loan in XX/XX/2022, the monthly payments went from {$1500.00} to {$2700.00} ( I have a fixed interest rate ) after several phone calls to XXXX XXXX and UWM, I am informed that XXXX sent over a negative escrow amount to XXXX XXXX and UWM is claiming they sent {$2400.00} which they can not prove, I have documentation attached showing they sent a negative amount. 
In addition UWM charged my account {$7400.00} for flood insurance and the certificates for flood insurance was sent to them several times even when the loan was first started. ( see attached documents for flood insurance ). 
I have been paying XXXX XXXX but can not afford to pay a monthly payment of {$2700.00}. 
I have made several attempts to get my escrow refunded from UWM along with the refund for the flood insurance but NO ONE can help me they keep telling me a supervisor will call me back and nothing. This has been going on for weeks, They took money from me and was not warranted to do so. I have all the paperwork proofing this. How does this happen how does a company exist, when they are stealing money from their clients? I would appreciate some assistance some assistance in to get my money refunded back to me or to XXXX XXXX so my account is back to the normal and affordable payments.
Product: Checking or savings account

Someone wrote a fraudulent check in my account for XXXX $ i inform after 5 days tha bank by phone and they promise me they will open an investigation After I didn't receive any action I call again XX/XX/2023 and they send me a letter that they will not credit back the fraudulent charges because the claim is reported after 30 days The claim number with Citibank is XXXX XXXX I need to credit back this money asap I was a loyal customer of Citibank for more than 20 years
Product: Credit reporting or other personal consumer reports

TransUnion hides my credit report from me. It does not allow me to login to their Service Center. It also does not provide me with my own credit report when it is requested via www.annualcreditreport.com. When requested from www.annualcreditreport.com TransUnion site shows generic message about " problem on our end ''.

I demand ability to access my own credit report online, without sending mails or calling their useless customer support.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company pulled my credit report shows as a new installment or bank account inquiry.. 

From what I see they are trying to open a loan or bank account using my information, which is called fraud! 


Credit reporting agencies should not be allowed to pull my report as it is not needed to report a bad debt, instead now it looks as if I've applied for a loan or bank account.. 

This should be illegal!
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've disputed these items with all three credit bureaus. I sent the disputes off by certified mail.
Product: Money transfer, virtual currency, or money service

XXXX MAIL ORDER VICTIM!! I purchased a dress online from a XXXX clothing website for {$49.00} using my paypal wallet. After waiting almost 2 months, I was the victim of a bait and switch scam where a merchant from XXXX sent me a cheap replacement ( underwear ) instead of the dress thar I had ordered. I complained directly to paypal based upon their Money Back Guarantee. The merchant, upon contact from paypal, stated that they would refund me the purchase price only if I ship the replacement back to XXXX. The shipping costs would require a further investment of more funds which is a " no win '' situation for me.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and notice I had a late payment on an account that I was never late, for Consumers Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy. 
I have never be late on payments for the account. XXXX XXXX XXXX XXXX XXXX please investigate and provide proof with statements showing that these payments were late. 
If proof cant be provided, I demand these payments be updated to on time as they should be as I was Never late. 

Thanks.
Product: Bank account or service

I was charged excessive late fees and extended late fees on my account. transactions such as deposits and withdrawals were structured by the bank so that my account was unnecessarily short and thus overdrawn causing me fees in excess of {$300.00} over a few months.
Product: Credit card or prepaid card

My Citi credit card, ending in XXXX, generated a bill for the month of XXXX, XXXX. However, I have a 0 % interest bill statement, so this bill was generated in error. I contacted an agent explaining that I have a bill credit and should not get a bill until XXXX, XXXX. However, the agent said there was no bill credit and I would have to pay interest. I have an official letter from Citi stating the duration of the bill credit. I have had many issues with Citi concerning this bill transfer since I became a customer. I would never recommend anyone use a Citi card.
Product: Checking or savings account

None of the options really fit my concern. PNC bank has recently disabled  XXXX wallet  abilities as well as the ability to connect my account to other financial platforms - such as The financial app, XXXX  where I automatically have money pulled from my account to save, the financial app XXXX where I can have money taken out my account to invest and other apps requiring access to transfer money in and out with my approval. 

Ive had these accounts for awhile and then one day pnc just stopped allowing it. This is a life inconvenience and they did not have member approval to do so.
Product: Credit reporting or other personal consumer reports

unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Credit reporting

Equifax deleted a positive trade-line on my bureau report prematurely. I have made several attempts to contact XXXX Equifax and the original creditor about reinstating the trade-line several times. Each entity claims there is nothing they can do on their end and blames the other for the issue. I have spent countless hours trying to resolve this issue to no avail.
Product: Credit reporting or other personal consumer reports

I have received errors in credit reporting from Equifax and XXXX. The two bureaus didn't properly investigate my disputes and reinserted inaccurate information to my credit reports.
Product: Credit reporting or other personal consumer reports

I am a part of the data breech and the accounts, names, addresses, phone numbers, email address, employment information on my credit report is reporting incorrectly. By right, I have the right to have accurate information reporting on my accounts recorded by XXXX, TransUnion, and XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> TransUnion XXXX XX/XX/year> TransUnion
Product: Debt collection

The bottom line is : I got a fraudulent request to pay a debt I do not owe for " unpaid '' highway tolls and fees totaling {$70.00} from a firm that has recently settled a case for defrauding people the same way named, " Linebarger Goggan Blair & Sampson LLP. '' I'm certain I've paid them before without questioning the source.
Product: Debt collection

On XX/XX/year> I received a notification through my XXXX XXXX XXXX that a collection had posted to my XXXX account from a XXXX party debt collection company called Frontline Asset Strategies, in the amount of {$3200.00}. The original credit was listed as XXXX XXXX XXXX. When I contacted XXXX XXXX, they could find no record of my having a collection, so I contacted Frontline Asset Strategies next. When speaking with the rep, they could not match me to any of the identifying markers associated with the collection they had for the individual of the same name, outside of my phone number. The SSN, DOB, address, and email all were for another individual living and residing in XXXX XXXX MO ( I live in XXXX KY ). I was asked to email this dispute to XXXX and provide them with the details, which I did on XX/XX/year>. I have not heard back since then. I also disputed the collection through XXXX, however they state that the dispute resolution could take over a month to complete. The rep at XXXX did state that if I could obtain FTC/CFBP docs verifying the information was incorrect, they would remove the dispute immediately, so I am imploring your help. I am in the process of trying to obtain home financing and this error has cost me severely from a credit standpoint, and costing me thousands of dollars in potential discount point, interest, and monthly payments. I have spent years working and protecting my credit as I work in the mortgage industry and understand that importance of this score. Please help assist me in getting this erroneous credit collection removed from my credit, so I can work to quickly resume my high credit standards. Thank you.
Product: Debt collection

Applied for Mortgage loan, and noticed this account on my report. Attempted to contact the listed creditor name ( XXXX ), who informed me that this account now belongs to retrieval masters creditors bureau, and to contact them at XXXX. Ive never received any notices from either XXXX nor Retrieval Master Creditors bureau about any accounts nor do I recognize this account. This account does not belong to me.
Product: Payday loan, title loan, personal loan, or advance loan

I bought items from XXXX and XXXX XXXX  provided a loan through TD Bank. Everything was fine until they switched how you pay, they created a new website. No email nothing noting the change. I wasn't able to make payments. I called 20+ times I have the call logs ). Hold times are more than 1 hour ( never waited longer ). Finally, their bill collection called me, walked me through the process to set up a new account, and waived past-due fees. In setting up my account, and still today, the new site does not accept my banking info. I get an error message saying " Something went wrong, please try again. For assistance, please contact customer service ''. That's it. Customer service has never answered, not once. I have screenshots of the wait time when I've called. I have screenshots of the error message. All I get is the collection department calling me now but all they can do is transfer me to the same customer service line that does not answer. I am unable to make a payment. I will retain a lawyer and sue if it affects my credit score.
Product: Consumer Loan

Since filing a complaint with you against ALLY Financial on XXXX XXXX case number XXXX I have received another XXXX collection calls from ALLY. I received 4 calls just today. I spoke with the collections rep after the 1st call today and explained my situation. They called me 3 more times after the original call all in a 90 minute time frame. They called my wife cell phone as well ( twice ). I believe this could be considered harassment. ALLY called me the day after I filed the original complaint and said they were investigating. PLEASE PLEASE PLEASE help me -- 6 calls just today
Product: Credit card

I was charged by XXXX for classes that I did not attend, that I did not authorize and that I did not contract for. The charge was billed on my Capital One credit card.
Product: Debt collection

I show on my credit report two derogatory accounts from LVNV Funding LLC. I have no knowledge of this company and never signed a contract with them they seem to be a third party debt collector. But I never received information that my debt was being sold. Dates listed are not correct because I don't have account with this company.
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, we paid off our mortgage loan balance pursuant to the instructions and total payoff amount provided to us by Ocwen, LLC. At the time we were informed that, within the next 3 to 6 months, we would receive paperwork showing that the loan had been satisfied and paid in full.

It has now been OVER ONE YEAR and we have not received any documentation showing the mortgage has in fact been " paid in full, '' or have the deed/title indicating the change in ownership, i.e., its ours. To make matters worse, the loan continues to appear as an outstanding debt on both our individual and joint credit reports at an amount even higher than the payoff amount.

Ocwen failed to fulfill its obligations to us, just as it had throughout the entire time it serviced our mortgage. ( If you so desire, we would be happy to provide you with detailed documentation regarding Ocwens failures dating back to at least XXXX after it acquired our loan from XXXX ). 

For now, we ask your help in directing Ocwen to do what should have been accomplished 6 to 9 months ago : provide documentation/paperwork showing that our mortgage has been paid in full, and remove the mortgage from our credit report ( s ) as an outstanding debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can't access my Experian credit report/score since XX/XX/2020,. I called Experian multiple times and they have not resolved this issue. Every time I call, they transfer me between the dispute department and the membership department. This has caused me and my family a great pain because we can't get our mortgage approved because of this. I just called Experian this morning to complain to them about this and the representative that I was talking to, hang up the phone on me. I desperately need this issue resolved because it's preventing me from buying a house for my family. Please help me. This is not fair.
Product: Checking or savings account

I deposited a cashier check at bank of america that was drawn on a local depository bank per 12 USC Chapter 41, the bank placed my deposit on an improper hold. This is not a new account so the safeguard provision stated in 12 USC chapter 14 sec 4003 doesn't apply. I asked the bank if the director of the consumer financial protection agency had declared a banking emergency that allowed the bank to break the law. On numerous occasions the bank has place my check deposits of long holds causing me a financial hardship. After requesting the hold be remove the bank operate under a deceptive practice of claiming its to protect me from fraud, as that's a valid reason to violate my access to my property. The also claim that I have a depository agreement with them that allow them to administer my property. I never received any such document from the bank signed by any agent of the bank, therefore no such contract exists obligations to accept their negligence in handling my accounts. I also request that the bank return all securities ( property ) I have deposited in all my accounts in the form of checks, federal reserve notes, promissary notes, electronic funds transfer, or wire transfer as evidence by the credit applied to my books. I would like a full accounting or true bill under GAAP of all accounts on the public and private side of the ledger, asset and liabilities, as well as offsets on other ledgers. I would like the cfpb to investigate this bank scam as its affecting thousands of account holders and small business placing an u due burden and hardship. The consumer should suffer any hardship because the bank is not willing to provide an adequate product with the necessary protection. Please provide me with a FDIC insurance claim s form so I can file a claim for my bank losses.
Product: Credit card or prepaid card

I dropped my card at XXXX and someone picked it up and is still trying to use it unfortunately
Product: Credit reporting or other personal consumer reports

All of my personal information was leaked or stolen from multiple companies and have been getting suspicious emails about accounts that I do not have they have my full name social past and current address as well as my emails and passwords. My info was leaked on different companies and then sold.
Product: Student loan

I applied for the SAVE program on XX/XX/XXXX. I received a notice on XX/XX/XXXX saying there would be processing delays but would be processed within 90 days of the application submission date on : XX/XX/XXXX. My account now reflects a payment due that is different from the SAVE program I applied for, my loan status has still not been updated to reflect the SAVE loan program I was eligible for ( ~ $ XXXX ), and customer service will not respond to inquiries. 

I am now being asked to " recertify '' my payment on a payment plan that is NOT the SAVE program. I have reapplied for the SAVE program on studentaid.gov but MOHELA 's customer service line is near impossible to get a hold of a representative and keeps disconnecting me. 

In fact, the original SAVE loan is still " in process '' and was never processed by the company.
Product: Debt collection

Name : XXXX XXXX SSN : XXXX Virtuoso Sourcing Group has been contacting me just about every day even though I've asked them to cease contacting me since I am currently a recent college grad and have yet to secure employment to make payments on the debt. In XX/XX/XXXX I filed a complaint in which I was told that the frequent calling would stop due to me being assigned a designated agent to handle the account which I was okay with, but it deemed to not be true as I'm still getting calls just about every day from different agents within Virtuouso Sourcing Group. Today, XX/XX/19 I verbally asked to stop receiving communication through telephone and to only be communicated by mail only, I was verbally told by the supervisor/floor lead that they would cease contacting me and when I receive employment I can call them, but I know the calls will continue so, therefore, I'm writing this complaint. I've recorded the following dates and times of their calls within the last week and a half ( my phone won't go back any further than this ) Called XX/XX/19 Number : XXXX Time : XXXX Called XX/XX/19 Number : XXXX Time : XXXX Called XX/XX/19 Number : XXXX Time : XXXX Called XX/XX/19 Number : XXXX Time : XXXX Called XX/XX/19 Number : XXXX Time : XXXX XXXX Called XX/XX/19 Number : XXXX Time : XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I received an XXXX from the MoneyLion XXXX XXXX. The payment was due XX/XX/year>. We had a financial emergency so I " chatted '' with them to try and move my repayment date. They were unable to do so. Therefore, I revoked my authorization for them to debit my account and was told that I would have to manually make payments going forward. I revoked authorization on XX/XX/year>. 

On XX/XX/year> XXXX debited my account anyway, even though I had revoked authorization with them. I " chatted '' with them again requesting my money back ASAP. I was told they had to research the matter and it would take XXXX business days. I never heard back so I " chatted '' with them again. Again, I was told they are still researching things and would get back to me. Once again, they did not. I " chatted '' with them once more yesterday and they claimed to not know what I was talking about and said they had nothing in their notes. 

I have contacted my XXXX and they have been less than helpful but I am in the hopes that XXXX will realize that I did in fact revoke my authorization with XXXX and will decide my dispute in my favor. 

There are clear violations of Regulation E here and MoneyLion XXXX should be penalized.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried To Send a Judgment from a court ordering that I am not legally responsible for an account and equifax system would not allow me to upload it for dispute is Confirmation number : XXXX!
Product: Checking or savings account

The website redesign is non-functional as a banking website. There is no way to provide Navy Federal with this information because the non-functionality of the site prevents communication that the web site is non-functional. I have tried to tell them over the phone, but they just say that it is fine on their end. Of course, it probably would be " fine on their end '' because they are on the same server, but they are apparently not savvy enough to understand why that would be. It is not functioning on the internet beyond ( outside ) their own servers. They apparently intend to render people 's accounts and money entirely inaccessible and pretend that everything is fine, the same way they fail or refuse to respond to other complaints about unathorized ACH debits or provide copies of checks. For several months I have been unable to get the text message or email to enable the linking of an external bank account, and the " automatic early release '' of direct deposit IS NEVER AUTOMATIC. I have to call in every single month to have my direct deposit released, and they pretend it is all brand new, like I haven't been told EVERY SINGLE MONTH that the release of direct deposit funds is supposed to happen automatically, but of course, " I must be talking to the wrong person. ". Of course.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrote to Equifax requesting 2020 free credit report requesting corrections of removing negative items over 7 years in XXXX and they just ignored me and violated my rights by 1 ) NOT sending my FREE Report 2 ) Refusing to remove items of negativity XXXX yrs according to Texas and 7 years I assume since I did not receive in 2020 Still today XXXX  has NOT sent me any credit report which violates my rights and affects my buying power at the correct APR and affects my score. This is not fair to the consumers they have caused my credit score to be incorrect affecting my buying power and APR. With all the negative items I should have been at or close to score of 750 or more and they have caused me to pay more interest for a purchase because of their neglect to remove negative items my score was incorrect and I was charged a higher interest rate. 

What do I do to get compensated for having to pay more probably $ XXXX interest when it should have been less interest if my score was correct? 

So what happens now since they have violated my rights and how does all of this get resolved including getting the {$4000.00} plus back for them not correcting items and removing items for my score to have been corrected. 

Sincerely, CP XXXX Attachment : XX/XX/2020 XXXX