23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My initial loan in XX/XX/XXXX was with XXXX, then XXXX XXXX XXXX now Seterus. XXXX put me into a XXXX loan with escalating payment resulting in a refinancing after less than 6months in XX/XX/XXXX. This cost me additional closing cost immediately deminishing all equity in the home. As an equity loan was taken to pay the additional closing cost. This began the spiraling downhill financial strain I now face today. At the time of the initial mortgage, I could sustained the additional cost at that time as I was employed full time. InXX/XX/XXXX I lost my full time employment and eventually was unable to keep up with the mortgage. I reached out to XXXX XXXX XXXX, the initial modification and it was granted. I resumed payments when I secured a fulltime position inXX/XX/XXXX, but unfortunately was laid off in XX/XX/XXXX. The second ( {$1100.00} ) and third modification ( {$1100.00} ) were basically the same amount and did not provide the relief in financial burden that could be sustained. I have since secured employment and reached out to Seterus since XX/XX/XXXX to present and have been consistently denied for a modification although the value of the home has been in an upside down position for the past 8 years. The taxing authority in the township has acknowledge the decrease in value, other home sale in the area have been tippering in the range of {$80000.00} to {$140000.00} and yet the mortgage company refused a request for principal reduction and/or modification claiming among other reasons, " interest rate not fixed rate '' when they were the one who took away the fix rate and offered an adjustable, which I was unaware of.
I have XXXX XXXX in XXXX and XXXX in XXXX XXXX and have been a XXXX mother working all my life to maintain a home for my children and I. Unfortunate circumstances beyond my control have brought me to this point, however I still a wiling to pay the mortgage, just need one that is affordable and does not cause such financial burden.
Product: Debt collection

Honestly not sure I have this debt collector saying I owe XXXX dollars for a loan I never applied for or got not sure how to proceed
Product: Debt collection

This is not my debt a family member or a family members friend used my information and opened these accounts in my name and I am suffering because of this. I am not responsible for these charges and I was never affiliated nor in the army or air force. I want these debts released from my name and this cleared. 
This company has this debt with XXXX XXXX and they have been very rude to me hanging up in my face. I called the company and told a supervisor and nothing has been done. This is not my debt and army and air force called me and told me that they know that this debt was opened up fraudulently and I am still being held liable for this. I want this debt removed from my name completely!
Product: Debt collection

Pulled personal credit reports due to trying to buy a house or even rent. Found hunter warfield on credit reports for {$5400.00}. Called to get online access to view what the account was for and first was told online wouldnt allow me to see the information about the debt and that only the lady on phone could assist with settlements or information. Then after resetting my intent and needs she gave me the account login and access code. I went online and there was no direct information In regards to the debt just options and o do settlement. Since my kids and myself are homeless I went ahead and look at what settlement offers available just to be able yo show potential lenders or landlords that I was working on it but the settlement offer was not reasonable so I called back. I got the same lady and explained the situation again, told her what I could afford to pay off immediately but she stated that wasnt enough and that the debt was going to court if not paid by XXXX XXXX. 

I then stated I dont even agree with the amount of the debt and she said that she would forward to internal disputes and someone would contact me yo get more info. This was XXXX XXXX. Ive received no letters by mail and no one has contacted by phone. This debt on my reports is causing my family to continue being homeless. I did record every phone call on video to ensure I was able to verify info.
Product: Money transfer, virtual currency, or money service

I attempted to send {$100.00} to my brother in XXXX through Remitly on XX/XX/. Ive done it before and the transfer has always been completed instantly. However, it was the case for this time. After a few days, I called Remitly and they assured me that they are contacting the XXXX XXXX and the money will be delivered soon. However, after 2 weeks, the fund is still missing and my brother never got the money. I called Remitly then to cancel the transaction and refund me the amount. They told me the have started the cancellation process and the refund would be sent soon. But again, day after day, I never got my refund back and Ive called them multiple times to check the status but they kept telling me the same thing that they have escalated the case and that they would contact me within 24 hours but they never reached out to me. They also told me that they have been emailing the XXXX XXXX to issue the cancellation but the problem is that my brother in XXXX went to the bank and explained to them but the XXXXXXXX XXXX assured that they did not receive any money or emails from Remitly regarding this customer. Essentially, I do not know when I will receive my refund and I cant take another lie from Remitly anymore of reaching out to me.
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 

Account Name : XXXX XXXX - Account Number : XXXX Unauthorized inquiries : 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
Product: Student loan

On my iPhone device, using XXXX browser I searched for " XXXX '' in XXXX Search. Several numbers came up for XXXX. They were in the form of a click-to-call. I called what I thought was a XXXX Student Debt Advisor ( SDA ). The man I spoke to was very knowledgeable about loans and the repayment process. He had no accent, spoke clearly, confidently and professionally. I asked to setup monthly payments. He gave me advice about how to handle my student loan debt., helped me set up direct deposit from bank acct., he gained access to my XXXX account. He told me that my loans were past due and that I needed to make a payment as soon as possible. He sent me an email with a service agreement to sign and another email with links requesting me to provide additional information. Please note, all emails and documents he sent were well polished and used legal terminology. When I did n't complete the request for information, he sent text message reminders to me. I tried to call XXXX directly to confirm whether or not this was a legitimate company, each time I called I would ask a XXXX representative if this SDA company was legitimate and the XXXX Rep sounded like they were new hires to XXXX, did n't know about XXXX enough to give me an answer and did n't seem concerned. They would put me on hold then transfer me to another XXXX Rep that was just as uninformed as the last. When I finally got ahold of a knowledgeable XXXX Rep they told me it was possible that this SDA company was fraudulent and had no record of all the times I had tried to contact XXXX directly. I asked the XXXX Rep who I needed to contact to report the fraud, the rep did n't know. XXXX never followed up with me to ensure my identity and sensitive information was safe or to check whether the fraud alert was taken care of. When I voiced my concern about a possible fraud on my account, we would get disconnected and XXXX never called back. When I did n't respond to the SDA " XXXX '' the supposed student debt advisor called my phone to remind me to complete the information so my loan would be paid on time and would n't acquire any late penalties. When I told him I did n't believe his company was legitimate, he had a supposed " manager '' call me and say that they were a partner company to XXXX and they were not sure why the XXXX representatives did n't confirm it. They told me they would call XXXX directly to work out the issues and call me back. Meanwhile, I finally got ahold of someone from XXXX, who was able to confirm that the SDA was not a legitimate company and referenced me to a place I could report it. Finally, 16 days later, I am able to provide a report on this illegal company called SDA. If XXXX Reps had been more knowledgeable when I first called, I would have been able to address this situation immediately. However, because it was so hard to get ahold of a knowledgeable person from XXXX, my information has now been compromised for the past 16 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and a fraudulent loan account appears on my credit files. I have reported this account to all necessary authorities and XXXX and Equifax are still reporting fraudulent account on my file that were deemed fraud by the FTC and local authorities.
Product: Student loan

I am a mother of a XXXX year old and XXXX XXXX XXXX XXXX. I had a payment of XXXX dollars a month. I am a working mother and almost all my pay check goes to my children, and insurance and rent for our house and food. Not to mention, gas, credit cards and other circumstance. This does not include my XXXX XXXX XXXX loans, nor my other loan I have through XXXX. This also does not include my husbands loans he has to pay either. He is a XXXX and already does not make that much. 
A few months ago, I had had enough so I called to get my private loan payment lowered. The loan payment keeps changing, keeps getting more and more. They seem to keep upping the interest rate. 
After a 2 day stand off with Navient I finally reached someone to help me and get the payment lowered to XXXX a month for 12 months. Not much relief but still it was something. I had 2 days of yelling at the loan associate and having my co-signer call to make a financial statement. I do n't feel I have to yell at someone to get help, especially since I am willing to pay back my dept, I just need a little relief so my kid can enjoy food once and a while. 

I got XXXX again with my XXXX child in XXXX. I called them at the end of XXXX to see if I could pros-pone my payments until after XXXX XXXX. I only get 60 % of my salary. I have to pay my bills, I have to pay for things for my child, and XXXX is coming up. The loan associate said I had already used the 12 month no payment 5 years ago, with my XXXX child and there was no way to do it again. Not even just for 2 months. She then suggested I just not pay my loan payment for 2 months, but this would make the payment past due. I do not think it is logical for someone to just not pay their payment, go past due and then deal with the repercussions later. 
Not to mention the strain this could put on your credit. 

Why not have more options for private loans, so mothers, fathers and kids coming out of college can live. Why not make it easier for them to make their payments. Then there would not be this head ache. People would be happier and maybe not so depressed. 

It is so hard to get private loan payments lowered and postponed. I have to call at least 5 times to get someone to help me or yell at some poor loan associate. 

So thanks Nanvient for making XXXX XXXX that much harder. Thank you for making my kids XXXX that much more miserable. Thank you for putting more of a burden on me. You could n't go without your money for 2 months. You poor rich loan company.
Product: Debt collection

Jefferson Capital is a debt purchaser. Initially they had two amounts reporting as delinquent on my credit report from XXXX: $XXXX and $XXXX for the same date.  I filed an official dispute; the results said the debt was verified as accurate but that is incorrect. I contacted Jefferson and spoke to XXXX—op #XXXX.  She said the $XXXX   would automatically be removed but I had to speak to a second operator for the other amount. I spoke to XXXX—op #XXXX.  She referred me to Supervisor XXXX XXXX who said the other charge would be removed and updated on my credit report within 30 days.  I told him the erroneous charge had prevented me from obtaining a mortgage to purchase a home and I wanted it in writing that the fake debt was removed. I just got an update on my report.  Instead of the bogus debt being removed, another late payment has been falsely reported. I was on a payment assistant program through XXXX XXXX for XXXX.  The account was reconciled every quarter and I was notified of my portion still owing.  I paid the bill and even included a screenshot of my bank account substantiating the payment had been made.  I did inform Mr XXXX that I would report the fraudulent charges to the Attorney General if they weren’t promptly removed.
Product: Mortgage

Mortgage Loan payments are not posted to my account. My account is paid up to date and I contineously receive notifications and harrassing phone calls. Correspondence reference my husband who was reported deceased. Veteran documentation was provided. Billing statements reflect PMI charges against my account. Recently received escrow overage. Check was sent with my deceased husband 's name. The check was canceled and a ticket was entered to reissue the check in my name. It has been over a month and the check has never been reissued. This type of treatment is unacceptable. I take extreme measures to make sure my monthly mortgage payments are provided and I get harassed with phone calls asking for my deceased husband. This issue was also reported to XXXX, because my husband was a XXXX XXXX with XXXX XXXX. I have made more than several attempts to get this matter resolved with Ditch LLC ; Loan Servicer and I continue to get told lies. My Loan still has my husband 's name reflecting on the bills. This treatment has caused undue XXXX, XXXX and agony. Please resolve this matter immediately.
Product: Debt collection

Subject : Request for Debt Validation under the FDCPA and the Florida Consumer Collection Practices Act JEFFERSNCP - XXXX Dear JEFFERSNCP I am contacting you regarding the alleged debt mentioned above. This is a formal notice under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g to request validation of this debt.

Pursuant to my rights under the FDCPA, I am requesting the following : Debt Collection License Information : I would like more information about your company before discussing the debt with you. Does your company have a debt collection license from my state? If not, please indicate why. If so, please provide the license date, the name listed on the license, the license number, and the name, address, and phone number of the state agency that issues the license. 
Debt Validation : Detailed evidence of the existence of the debt, including the original signed contract supporting the payment obligation, complete account history, and any documents showing that you are legally authorized to collect this debt. 
Original Creditor 's Name and Address : Please provide the name and address of the original creditor, as well as any agreement or contract signed by me, confirming my legal responsibility for the debt. 
Itemization of Charges : A detailed description of the amount owed, including any interest, additional fees, or costs that have been added to the original debt. 
Proof of Authority to Collect : Documentation showing that you have the authority to collect on behalf of the original creditor and that the debt has not been settled, sold, or transferred to another creditor. 
Pursuant to Section 1692g ( b ) of Title 15 of the United States Code, until the debt is validated, no further collection action will be taken, including negative reporting to the credit bureaus.
Product: Mortgage

In XXXX of this year, my XXXX XXXX mortgage was transferred to Mr. Cooper. Mr. Cooper assured me everything would be transferred appropriately and nothing would change. 
On XX/XX/2023, I received a bill from my state treasurer saying I owed property taxes I previously had them paid in escrow with XXXX XXXX. 
Mr. Cooper did not appropriately transfer my mortgage effectively screwing me with a massive bill right before the holidays. In addition, they are completely shut down due to cyber attack and are not available to work with during this. So far, Mr. Cooper has displayed nothing but incompetence with my identify and my money and I want to file a complaint that I was absolutely not in control of any of this and now I am being punished.0
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter to all the CRA 's : XXXX, XXXX, and Transunion on XX/XX/XXXX and they have failed to get back in response to the letter. The account XXXX XXXX XXXX OPENED XX/XX/XXXX BALANCE {$9800.00} referenced above that is being listed on my credit report by XXXX XXXX XXXX This account has not been properly verified and as you know failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. Also, the are in violation 15 USC 1681s-2 for failing input a notice of dispute that this account was being disputing. 

Pursuant to 15 USC 1692e ( 4 ) - Foreclosures, Repossessions, Wage garnishment, or arrests are all illegal in the collection of any debts. This is similar to the 4th amendment. This is violation of 15 U.S.Code 1692e ( 4 ) and is fraud and illegal in the collection of any debts.

This is deceptive, fraud, false and misleading and many other things. Please, we have to hold this CRA 's accountable because they are taking advantage us as consumer.
Product: Prepaid card

Unorganize purchases no credit and took to long to credit me back for unorganize purchases
Product: Credit reporting or other personal consumer reports

I have XXXX unauthorized & unverified injuries on my credit report, Capital One XX/XX/year> XXXX XXXX XX/XX/year>. According to the Fcra, these unverified and unauthorized items must be removed.
Product: Checking or savings account

Albert XXXX refused to honor the terms of the bonus that they offered. I can prove that they are breaking federal laws. I have screenshots from their website which will prove their crimes against me. I will be very specific with my CFPB complaint and I will not waste your time. I will only include the relevant details. I applied for a checking account and I was approved on XX/XX/2022. Albert XXXX was offering a {$500.00} bonus for new customers when I was approved. I met the requirements of the offer and they still refused to pay the bonus. I have included screenshots of the terms from XX/XX/2022. I met all of the requirements and Albert XXXX tried to avoid paying the bonus. Please stop Albert XXXX from taking advantage of their customers through false advertising. If you do your research you will see that Albert XXXX has a history of trying to scam their customers. 

I contacted Albert XXXX through their app on XX/XX/2022 and XX/XX/2022. They refused to provide any help to resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My complaint is in regards to my XXXX/XXXX XXXX general credit card. I opened the account in XX/XX/2021 and have used it consistently, have never missed a payment nor have I ever been late on a payment. 

I keep my balances very low as I take my credit score very seriously and keep overall balances at approximately 1-3 %. 

This particular account consistently fails to report updated, accurate information which has negatively impacted my credit score and at one point prevented me from attaining another line of credit due to inaccurate information on my credit report on my XXXX XXXX card. 

Right now, today for instance, according to my Experian credit report, I have a balance of {$160.00} and have a 10 % usage percentage. In reality, I have a XXXX balance. The balance of {$160.00} was from back in XXXX. I have used my card every month and have paid off my balances three times since XXXX. 

All three credit bureaus are reporting outdated information for this credit card because XXXX XXXX has not reported correct information. XXXX says I have a {$250.00} balance on this card! It's all wrong and it's unfairly hurting my creditworthiness in the eyes of lenders. 

All three credit reports show XXXX XXXX has not updated my account since XX/XX/2021 ( and even then, the balance was not correct. ) Not only does it incorrectly show a 10 % credit usage on Experian and XXXX but it shows a whopping 17 % usage on my XXXX report!! Absolutely wrong and UNACCEPTABLE. 
Then to add insult to injury - Experian is now threatening to remove the account altogether due to *lack of reporting* which will negatively impact my score even further. 

I have spoken to three different people at XXXX XXXX at length. No one can explain why this is happening and each opens a " ticket '' that promises to look into it and I am told I must wait ( yet another ) 30 days for their investigation to be complete as to why they are not reporting correct payment and balance information. Nothing ever updates and I have never once received any confirmation that their investigation was completed. I've worked so incredibly hard to build my credit up and rely on my score for business as well as personal projects. I have a pristine payment history across all lines of credit including this card but XXXX XXXX continues to incorrectly report balances and payment history. 

Also, when I have tried to dispute the balance / payment history with Experian, they tell me I can not dispute it and that I have to just wait for XXXX XXXX to update my account. Then they threaten to remove it altogether due to " lack of reporting. '' ( Insert scream here. )
Product: Credit card

There are still unauthorized loans on my account that need to be refunded and removed from my credit report. 

Loans were all unauthorized and were reported as such a while ago but only some loans were marked unauthorized and removed from my credit report and refunded. 
These 4 loans in the attached picture are the last remaining loans that need to be refunded and removed from my credit reports.
Product: Checking or savings account

As a 40 year customer of Wells Fargo, I have no recourse but to file a formal complaint for the incompetent employee who deceived me on XX/XX/XXXX  and caused a taxable event, which is financially damaging me. 

On XX/XX/XXXX, {$20000.00} from my XXXX IRA account was transferred into my Wells checking account. {$10000.00} was earmarked as distribution and the other {$10000.00} was to be rolled over into an IRA CD at Wells Fargo. 

On XX/XX/2024 I met with XXXX at your XXXX location, I came in to open a rollover IRA CD with the {$10000.00} balance in my checking account. I did not intend to take distribution on that money in 2024, which I told XXXX. 

After opening the IRA CD, Upon review, I asked why the term " IRA '' didn't appear on my paperwork - XXXX said, " We are opening an IRA account and the CD is in that account, so it is an IRA CD. '' Upon the maturity date, XX/XX/2024, I was informed by XXXX at the XXXX XXXX XXXX branch, that my {$10000.00} IRA money earmarked for roll over was in fact deposited into a regular CD thereby, creating a taxable event, financially damaging me. 

As a consequence of the incompetent Wells Fargo employee, I am forced to pay taxes on an additional {$10000.00} distribution for 2024. 

Actions Taken : XXXX Abigale filed a complaint for me at the branch XXXX I spoke with XXXX at Wells Fargo Economic Dept . she asked me to forward the email ( above ) outlining what happened.