23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We are contacting the CFPB in desperation in dealing with our mortgage company. We were recently denied for a loan modification again due to not having a valid hardship. We did not realize after being in review for so many months that if we had given more details regarding our hardship explaining the reasons due to XXXX not working was health related having proof of this as well, that the outcome of the decision could have been different. We fell behind on our mortgage payments. In XXXX of 2013, XXXX had been XXXX from his job when the company closed. This was the XXXX time this happened with XXXX different companies. During this time, XXXX became very XXXX in XXXX of 2013 for XXXX months which is also why his XXXX was stopped as you need to be able to work and he was not after being XXXX. Since then, he has been in XXXX. He has to take medicine that is n't covered by insurance. Since XXXX is unable to work and we have increased medical expenses monthly, XXXX has been able to get an increase in pay and can show affordability to resume making payments again. We have attached the XXXX statements and monthly prescription bills to prove this hardship. We did not disclose this previously as this is an embarrassing personal situation and did not realize just stating XXXX was not working was not a valid hardship. We applied for a modification when we were current on payments as our savings was being depleted to pay the bills up until XXXX of 2013. We have been denied on a few occasions since. Although our hardship is long term, if the arrears we owe could be capitalized back into the loan and be brought current, we can show affordability to resume making payments again with just XXXX income. I know US Bank provided us with a copy of the BPO report showing the value of this home is {$250000.00}. With arrears, we owe close to {$320000.00} which makes the loan to value 125 %. We are not asking for a lower interest rate or payment, just a chance to keep this home we have been fighting for so long to keep throughout these difficult times. Please help us as we do not want to lose our home.
Product: Money transfer, virtual currency, or money service

Issue with www.remitly.com I sent money overseas for a service through Remitly Originally sent {$190.00} USD or XXXX XXXX to XXXX, the recipient said they never received money and confirmed that the bank, XXXX XXXX was having a network issue Because I needed the service, I had to send another {$190.00} Reference number XXXX Transfer No. : XXXX XXXX XXXX XXXX Initially Remitly had told me that this was a rare occurrance and that the bank would refund me, however today when I checked in, Remitly is now telling me that the money was marked as delivered I am requesting a refund of {$190.00} from this original transaction that was from XX/XX/2024 XXXXXXXX XXXX CDT
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit Union regarding multiple overdraft fees I have incurred. despite having sufficient funds when transactions were authorized, I was charge fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled insufficient balances despite initially available funds. I believe theses practices are unfair requests an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

on XX/XX/year> I submitted a complaint against State Collection Service for improper use of my credit report. 
Company responded to complaint but failed to provide any documentation supporting their allegations.
Product: Debt collection

I had an auto loan w/ Tidewater XXXX XXXX . The car was repossessed in XX/XX/2014 approx., they are in turn suing me for the remaining balance. They had auctioned the car off which left the balance at XXXX. They ended up garnishing my wages and received XXXX. This garnishment was lifted because they attempted to go through my previous employer. While this lift was in place I negotiated to pay the Lawyer that is handling this debt ( XXXX XXXX ). Over the course of time I've paid in total XXXX. Yet they are stating I still owe XXXX ( for fee 's because I've already paid the loan amount back ) and are again garnishing my wages. So technically they will be getting well over XXXX from me for a car that's not even worth that amount and no longer in my possession. I am in the process of waiting for my court date, I went to the lawyer 's office where payments were being made and requested transaction history. What was provided was not sufficient enough to break out exactly how my I owe nor how the payment 's have been applied to the creditor/law/debt collector etc. The only thing the lawyer stated he could do was reduce the amount that would be garnished from 25 % to 20 %.
Product: Student loan

Hello, My name is XXXX XXXX and I attended XXXX College in XXXX Ferry, NY. I took out loans from XXXX and Navient. My Federal Government Loans are with Navient. I believe that XXXX College made me take out to many Government Loans, Sub and Unsub. XXXX College made me take out loans for 3-4 semesters that coast me each semester around $ XXXX- {$16000.00}, when a semester was around {$8000.00}, {$8500.00}. I do n't understand why they charged me so much and also made me take out so many loans when I was also paying half cash. I am now in debt because of the the amount that I borrowed and the interest rate Navient gave me. My father is the co-signer and he has excellent credit and they still gave me a high interest rate. Navient wants per month {$400.00}, but it is expensive for me. I will have to pay more because the interest rate they gave me is to high and I know {$400.00} will only go towards the interest. I will have to send in more for it to go towards my loan. They told me they could lower my payments, but how does that help me? The amount I owe to Navient will take me 30 years to finish paying it off. I need help and I do n't know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have contacted this company XXXX XXXX  XXXX XXXX ) now in collections with ( XXXX XXXX XXXX ) numerous of times back and forth with all three credit bureaus about these accounts and got the run around. XXXX XXXX XXXX only told me, " Well its in your name and you have to pay for it ''. I explain to them it was fraud nut they wasn't trying to hear that. I provided documents to prove that this isn't my account over and over and again nothing. I feel like my accounts wasn't properly investigated. They also stated that this account was created online as well. Nothing has been done State Employee Credit Union will not remove the account as well.
Product: Checking or savings account

Im currently a new Wells Fargo customer upon me signing up deposited XXXX a day later which I believe was XX/XX/11 I still didnt even have my card it was in the mail if someone was able to withdraw all of my cash and I found this absurd due to the fact that I still didnt have my card or didnt at the moment did the transaction to please? I reported it they looked into it and I still havent received anything back. I just got my new card yesterday and activated it but now upon me trying to log into the XXXX they dont allow me to look at my account, so what do I do about my {$300.00} thats missing
Product: Consumer Loan

Castle Credit has called my job, therefore jeopardizing it in numerous times. 
Calling me at my home after XXXX and on week ends. 
Castle Credit has put a lien on my house for a loan less than {$8000.00}.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue that i am have is that XXXX XXXX has a Bankruptcy on my credit file dated for XXXX of 2014.  to my knowledge i have never filed a BK. I have sent letter and file dispute with this company and each and every time the item has come back a verity. Since this item as come back and been verify i have even went as far as sending a letter to the US Bankruptcy Court Of XXXX ask them do please state how they verify item to the credit bureaus, the answer that received back was that they do not verify anything to the bureaus. I sent this documentation along with my request to this agency and this item as come back verify and which this item can not be verify because of the fact that us bankrupt court does not verify
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was compromised in the recently disclosed data breach.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit reports and noticed that there have been some fraudulent accounts opened under my name. These are : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This is significantly affecting my credit report. 

There were also some addresses that I have never used : - XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX There are a few phone numbers that are also not mine : - ( XXXX ) XXXX - ( XXXX ) XXXX - ( XXXX ) XXXX - ( XXXX ) XXXX
Product: Bank account or service

In XXXX 2016 I was sent a letter with an attached check for {$50.00} from XXXX XXXXXXXX, Citizens Bank, with no return address so I was unable to write him a letter about my situation. The check is made out to XXXX XXXX, the name of my business, now closed because I retired. I no longer have a XXXX XXXX account at Citizens, but all my other banking accounts are still with Citizens. The letter says to stop by my local branch " where XXXX of our bankers will be happy to assist you. '' I did just that, and I was told by a teller to call the XXXX phone number mentioned in the letter. She was not " happy to assist '' me. But I did as she said, and I got a recording that was no help at all. I also went to various web sites, all to no avail. I think this is actually a ruse that allows Citizens to say they tried to refund money owed to a customer, but the process is so convoluted this customer is ready to give up. It 's hardly worth the time, effort and aggravation. Just thought you should know about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX  XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.

-- AUTO LOAN OR LEASE 2. XXXX  XXXX  XXXX  with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I am reviewing my credit report because I am in the process of buying a home and the report that I was given by the mortgage broker shows multiple account inaccuracies be it the payment history, account balance, date of last activity, and in some cases the very account number. So I am now requesting debt validation on these accounts, under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : 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

I requested mortgage information online. A representative from XXXX XXXX  called me to ask additional information. She asked for our loan information and while reviewing other details with me said that they would need a copy of our credit report. She asked for my DOB and last four of my social. I didnt think she would pull credit because I didnt provide my whole SS number. She asked about my husbands info, but asked if he was in the current loan and I said yes. She then asked for his DOB and last 4 of his social which I gave her. Again I did not think she was using this information to pull credit because she never asked if the intention was for him to be on a new loan. Her questions were deceptive and lead me to believe she was gathering information from our previous loan, not to apply for the new one. My husband recently lost his job so we arent even eligible to apply at this time. Before I could provide any of that information she said she had to check with her supervisor and put me on hold. Then almost immediately a notification email came through that a new inquiry appeared on our credit. I did not authorize anyone to pull our credit. I did not provide my full SS number or my husband. I asked the representative to remove the inquiry that I didnt authorize it and she refused. I contacted someone in member relations at XXXX XXXX  and she also refused saying that I authorized it. I did not. The questions were deceptive and misleading. Now we both have hard inquiries on our credit reports for a mortgage we never intended to apply for. If she had indicated that she intended to pull my credit I would have said no. Please see how this can be removed from our credit. It will negatively impact our scores and we did not authorize or agree to it.
Product: Credit card

I have two cards with Cap one XXXX XXXX and XXXX. I upgraded to XXXX XXXX and wanted to get rid of XXXX since now had practically two of the same cards. I planned on either transferring my credit limit from XXXX to XXXX XXXX or downgrading the card. 
Based on the fact I applied for the card in XXXX, I assumed that the annual fee will be charged in XXXX or XXXX ( 12 months ). Instead, the annual fee was charged a month early on XX/XX/XXXX. According to CapOne I have one month to request the fee be waived. I spoke to two individuals today XX/XX/year> -- a rep and a supervisor. Both refused to refund the fee despite my request to downgrade the card. Given that the fee was charged over a month early, I should still be within the timeframe to have it refunded. 

Timeline evidence is attached as screenshots.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I initiated a buy for approx. XXXX dollars ETHeruem. My Bank refused payment and the ETHeruem was returned to coinbase bringing any debt with them to XXXX. They blocked me buying on their platform but explicitly told me in a support ticket that I could use their wallet no problem. On XX/XX/XXXX and XXXX I deposited approximately XXXX Ethereum valued at {$1200.00} dollars at that time. When the price rose to approximately {$1600.00} dollars I went to withdraw them so I can sell them on another regulated exchange. But I was blocked from withdrawing. I contacted support and explained the situation and said this is essentially theft by locking my money away from me for an unrelated settled matter after I was informed that I would not be a problem. 

There Language has no ambiguity and I attached the emails and support tickets that clearly state I can use the wallet prior to my deposit in it. 

I believe coinbase is going through a large growth period and use this guise of an excuse to use my funds to make even more money.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is continuously reporting inaccurate information on my consumer report/ File. I never gave XXXX XXXX XXXX consent to share my information and these accounts must be deleted immediately. This is a violation of the FCRA. Also late payments are illegal and should not be on credit reports. The violation of my rights on my consumer file is Late Payments- 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) : Definitions ; Rules of Construction. 2 : Exclusions. Transactions are not included in the consumer report/ consumer file. Delete these Late Payments and Update my Payment History to PAANL status, or Delete these accounts now. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1666b States that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Also, XXXX has violated 15 U.S.C. 1666 ( b ) ( 4 ) Billing errors : States that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. It is also against the law for XXXX XXXX XXXX to make any consumer report containing any adverse item of information IAW 15 U.S.C. 1681c ( a ) ( 5 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm demanding a Method of Verification for the following unknown and unauthorized disputed accounts inwhich my identity has been compromised via the dark web inwhich should of been an aftermath from the Equifax data breach. So since I've previously disputed the following I was never provided with physical documentation from that investigation this is why I'm demanding the Method of Verification and if you nor your companies can not provide such then you shall remove the following : ( 1 ) XXXX XXXX XXXX {$1300.00} ( 2 ) XXXX {$2100.00} ( 3 ) XXXX {$2500.00} ( 4 ) XXXX XXXX XXXX   {$10000.00} ( 5 ) XXXX XXXX {$250.00} ( 6 ) XXXX XXXX XXXX ( 7 ) XXXX XXXX XXXX   {$800.00}
Product: Debt collection

On XXXX XXXX, XXXX, I learned that my XXXX credit report was negatively impacted due to a collection agency posting a new collection on my report. I was shocked, and immediately called the Stellar Recovery whom was reporting the account. The amount of the collection is for {$27.00}, and it was sold to them by XXXX XXXX. I have never had an account with XXXX, and Stellar states the service address was for a home in Arizona to which I have never resided. Rather than assist me in removing the collection, they keep referring me to XXXX. XXXX is also unwilling to help since they are unaware of how to proceed, and can not locate me by my name. I have filled a dispute with XXXX, and I have also submitted a complaint with the FCC around XXXX and the lack of support.
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. 
ACCOUNTS : XXXX  XXXX - XXXX - XX/XX/XXXX - {$780.00} XXXX - XXXX - XX/XX/XXXX - {$690.00} INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

US Bank has engaged in an illegal criminal falsification with accounting fraud, bank fraud, wire fraud, mail fraud, and stalking involving a female employee I have never met and persists in diverting US mail, returning refused mail, falsifying claims to third persons that I " use a false address '' to the US Post office, and responds to any request that they at least get the XXXX out of my US mail with more flat refusal to comply and have " cut off all public services '' nationally in retaliation for the excessive consumer dispute required to force them to drop it as a entity that keeps claiming falsely that they have some lawful dispute that they have been " harassed '' by CFPB into dropping. 

Which is also why they divert the US mail and require that I sue them to force them to stop diverting US mail and are at this time dragging me through the Postal Inspectors and Inspector General as they contacted somebody at the Post Office to get them to keep illegally redelivering refused mail, to the point of forcing my business to change mailing address too as stalking and criminal pursuits aided and abetted by US Bank as an entity continue to be the crux of the problem and the point.
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue is with Experian and XXXX. I am submitting 2 letters that I forwarded to each of the agencies separately. These letters were forwarded by mail after 4 calls made to each on the same days between XX/XX/2022 and XX/XX/2022. 
I verbally explained what is contained in the letters to 4 different representatives and 4 different supervisors from each company ( 8 people total ) .I was told that an electronic dispute would have to be filed. I explained that the FCRA suggest a " Reasonable Method Of Verification '' and that eOscar was a computer algorithm that is subject to errors versus a human being making contact with said company or information being disputed. I suggested that is not reasonable. I did not accept that form of verification and ask for document6s bearing my signature. I also suggested to each representative and each supervisor from both agencies that their policies were inconsistent. I explained that before I began to address the account that was not mine and the 2 late payments on a closed account that was inaccurate, I verbally disputed addresses on my reports and those addresses were removed with no question. I f that is the case should not all disputes be suggested to be investigated electronically?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, We have been a home mortgage Customer with Caliber Home Loans for more than an year and recently refinanced with themselves right just before COVID19 Lockdown. During the refinancing, my profile was not changed but somehow they dropped the monthly debiting from my Bank and due to COVID lockdown, we are unable to open the postal mail on time due to quarantine and did not realized payment was late as I was under the impression that they have my Bank information already. I never received any email nor any text message on this late payment and we were so focused on protecting our self from COVID virus. The moment we got to know, we paid all pending payment but they reported 1 day late payment to all 3 credit agencies which hit my credit score heavily which is adding mental stress on top of all COVID lockdown, pandemic related health concerns and managing family to stay safe.