23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My XXXX autodrafted payment with Roundpoint Mortgage went up from {$2500.00} I have been paying the entire life of the loan to {$2900.00}. When I saw this I called the company and spoke with someone, they had put an insurance policy in place on my mortgage and added to my escrow but I was not notified of this and I already had insurance coverage in place on the property that I have been paying outside of escrow, again for the entirety of the loan. They called my insurance company to confirm and got the documentation they needed from them and I was told they would credit back that money to my principal which I do see in my activity in my online account and they said the payments would return to their original amounts. That did not occur and my XXXX payment was autodrafted again for the {$2900.00}. I have tried multiple times to call since and can never get a human on the phone to dispute this and at this point having that money just credit back to my loan balance is unacceptable. I'm now out of pocket {$750.00} that I shouldn't have had to pay in addition to what I pay monthly for my homeowners insurance. They again haven't changed the payment back in my account showing for my upcoming XXXX draft, I want someone to handle this immediately!
Product: Checking or savings account

For the third time today I have called chase and spoke to a person in there fraud department and they again have said they are setting the alert so I can go in and get my money. I even gave the guy the number so he could call the branch to let them know I am coming in to get the money. I asked for the name of the person at the branch he had spoke to and he refused to give me the name so again I went down to the branch to be told the same thing that no alert was sent and that I would be mailed a check. This is beyond me that chase can actually hold someones money like this cause there is no difference in me getting a check at the branch or one being mailed. I know this is against the law to hold my money like this and not give it to me when there is no problems everything has cleared and been verified there is nothing else I can do and them just closing my account and then keeping me from getting my money this is abuasrd and they need to just pay me like I am asking I really dont see the problem here.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) XXXX XXXX ( {$910.00} ) 2 ) Navy Federal Credit Union ( $ UNKNOWN ) 3 ) XXXX  XXXX XXXX ( {$11000.00} ) 4 ) XXXX ( {$290.00} ) 5 XXXX XXXX XXXX ( {$1800.00} ) I did not authorize any of these attempts to collect any debt or to unlawfully report any negative account on to my credit report file. I need these items annulled and removed immediately.
Product: Mortgage

My mortgage was with XXXX lending Loan care originally and I had called them during the COVID Pandemic crisis and let them know I wish to apply for forbearance which they had said they would look into it and has verbally agreed that I would actually be qualified for 180days period and they would discuss closer to 180 days for further extension if need be so due to my financial hardship.But after couple of week my mortgage services was switched to a new company PHH mortgage company.I had  to reapply for forbearance again and this time they only gave me 3 months for forbearance and have asked me to do a balloon payment at the end of the period Without giving me any options nor did they discuss any other resolutions. I am not happy with the current service provider and wish to have my original servicer to take care of my mortgage needs.If mortgage companies decide to switch companies amongst themselves there should be some discounts to the consumer as this is a ploy to harass us!
Product: Mortgage

It started about a year ago with getting checks cleared for an insurance claim and the myriad of demands from your department that even the insurance agent didn't know how to complete. Even the SIGNED OFF CITY PERMIT of the completed work wasn't enough. Instead it took a call to our state Attorney Generals Office to resolve the issue. 

Every time I called about the insurance claim, I had to start over with a new customer service agent who could only email them and get a response in 3-5 days. And, everything had to me through the USPS. Letters I got said I had 10 days to return the required documents. The letters got here in 8 days. Then, the letters were very unclear of what you wanted - Anytime the letter has the words " we may require one of more of the following '', that leads me to believe that even you don't know what you need. This took FOREVER to get answers. 
I refinanced at a new bank and have left AB ( or are trying ) ... 
Now, I get a mortgage payoff letter from you on XX/XX/XXXX. Today I get a letter stating that I still owe for XXXX and IT'S LATE with a late fee ... I've always made auto transfers from savings to mortgage and I left more than double the amount just in case. On XX/XX/XXXX, I get an email alert that the auto transfer failed because the account was closed. It was obviously the mortgage because the savings remained active well past XX/XX/XXXX. 
Today I had to make an electronic transfer into what I was told was a 'closed account ' just to keep you from tarnishing my PERFECT credit rating. When I spoke to the customer care, he couldn't figure it out and I was even on hold for 21 minutes while he worked with someone else. 
Today I called because the payment hadn't posted and she said this was already reported to the credit bureaus and it was my problem to resolve.
Product: Vehicle loan or lease

Double billed & warranty/insurance dropped & vehicle repossessed by US Auto Sales
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sent us a bill at the end of our car lease that was not disclosed when we turned our car into the local dealership, XXXX XXXX XXXX  XXXX, who sold the original vehicle and originated the lease. The vehicle return was delayed for 2 months because of COVID-19. We moved house during COVID and XXXX XXXX did not update our address. They subsequently sent a {$450.00} fee for the end of our lease that we did not receive as we moved and the bill was not forwarded by the USPS. XXXX XXXX has now predatorily and very unfairly reported the payment as 30 days late and negatively affected my credit score. XXXX refuses to waive the negative credit reporting and understand that we had moved, we are dealing with a pandemic and we have two hard working taxpayers working from home trying to raise XXXX kids under XXXX while working. This is grossly unfair in the first place, but even more unfair that XXXX XXXX refuses to correct its credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive Contacted TransUnion Via Phone and by mail letting them know that there is a spelling of my name that is incorrect and also hard inquiries that do not belong to me. They alway respond stating they can not located my credit file and to send in additional documents to verify my identity. Listed below is the name and hard inquiries that don't belong to me. XXXX  had no issue removing and verifying that this name and hard inquiries do not belong to me why is it that Trans Union is having such a hard Time to report only correct information and information I give them premission to share : Name XXXX XXXX Hard Inquiries : XXXXXXXX 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 Please let Tran Union know I don't need them to response ask me about anything other these hard inquiries and name from being remove that I did not authorize. 


Also XXXX  is still reporting addresses and hard inquires that are not mines.They continue to do the same things say they can not locate my credit file or they update information that I've never used or authorize. 

Addresss XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard inquiries : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Acct : XXXX, XXXX XXXX XXXX  XXXX, XXXXXXXX XXXX Acct : XXXX, XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXXXXXX XXXX XXXX inquiry, XXXX XXXX XXXX inquiry, XXXX XXXX Acct : XXXX, XXXX & XXXX Acct XXXX XXXX and XXXX, XXXX XXXX XXXX accounts XXXX, XXXX XXXX  XXXX Acct : XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Wells Fargo lied about permitting international wire transfers -- the account would need to be open for 6 months so that is worthless in my situation. 

In addition, Wells Fargo illegally reopened an account I closed due to fraud years ago, without providing me with any of it's former information, taking {$500.00} of my XXXX income to fund it, and having the gall to attach a hacked old XXXX account to it that I have not been able to access for years. 

A lying XXXX I recorded named XXXX XXXX even had the nerve to claim the money would be refunded and account closed -- while refusing to provide any confirmation of such action. 

Her colleague confirmed during my next call that she was lying and claimed they need to " investigate my allegations that they reopened an account illegally when I applied for a new one, which could take 3 weeks ''. 

I have multiple recordings of their NEVERENDING XXXX during our last calls and need to the money immediately refunded electronically and account closed due to the initial fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already reached out to Equifax and to XXXX XXXX, and XXXX XXXX XXXX XXXX and notify them of their error posting of information on my report. I was never late on these accounts. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations still persist on my credit report.
Product: Bank account or service

I established a line of credit for overdraft protection on my checking account in XXXX. Regions Bank took over the original bank where this was established. When I signed for this protection I was not married. I was married in XXXX and my wife was on my checking account till I closed the account in XXXX. Somehow Regions Bank attached my now ex wife 's name to this account. I have asked for proof where she signed on the line of credit. They said the loan was too old and they could not provide any documents to support her signature or even a copy of the original loan. Some where along the way Regions Bank has changed the original to satisfy what they have allowed to happen. When my ex wife borrowed the money in XXXX XXXX, they told her that this was an overdraft protection and did not reveal to her my name was attached. Regions bank should be held accountable for what I think are illegal actions. 

.
Product: Credit reporting or other personal consumer reports

XXXX XXXX # XXXX XXXX # XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.In accordance with the Fair Credit Reporting act. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the XXXX XXXX XXXX  Accounting # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency. 

I had an account with XXXX and I started running intro problems where I was unable to pay my bills via their app. Every time I called they would tell me that the only ways to pay is to either go to the store and pay cash or pay an agent assistance fee over the phone. For about 3 months I was unable to pay my bills because I couldnt go to the store because of my work schedule and also because I refused to be extorted for an assistance fee every time I need to pay my bill. I decided to file a complaint with the XXXX  and then switched to XXXX  because I needed to use my phone. But then I was contacted by a XXXX XXXX who apologized for the service restrictions from their app and told me that if I just pay my past due of XXXX $ and that I wouldnt need to go to the store and I could just pay it on the app that then XXXX 30 days I would be contacted to restore my service. I tried to pay my past due like she said and I was still having the same problems, and then at some point couldnt even access my XXXX account anymore. 
They decided to send my information to valor intelligence without my knowledge, I was sent collection letters while waiting for someone from XXXX to call me so I can restore my service. I called valor and they were very rude and wouldnt let me dispute the charge and they too promised they would contact me but they never did.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX  XXXX {$2100.00} XXXX XXXX XXXX {$3300.00} XXXX XXXX XXXX XXXX XXXX {$2500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not finish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years In addition, I sent certified letter to credit agency requesting verification and I did not receive a response and would like this removed XXXX XXXX XXXX : XXXX
Product: Credit reporting or other personal consumer reports

This is my first attempt to inform you that I am a victim of identity theft. I am writing to dispute specific records in my documents that result from this crime. The records in question are not related to any transactions involving goods, services, or money that I have made or authorized. Please remove any significant information in my credit record that resulted from the alleged fraud or extortion. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

in XXXX a company by the name of XXXX XXXX appeared on my report. After reviewing the report it was found that I had no knowledge of this company. When reaching out to the company in XXXX, they removed the error from my report, however I am seeking remedy from the bureaus as they did not verify this information for accuracy which is a violation of the FDCPA and the FCRA and caused defamation of character by stating I had a rental debt and I did not. This caused me to be denied to rent places.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and the following inquiries on my credit report were not authorized by me. I request that these fraudulent inquiries be immediately removed from my credit report under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. XXXX, which mandates the removal of fraudulent information. 

The inquiries in question are as follows : XXXX XXXX XXXX, 2024 XXXX XXXX XXXX XXXX, 2024 XXXX XXXX XXXX XXXX XXXX, 2024 XXXX XXXX XXXX, 2024 XXXX XXXX XXXX, 2024 XXXX XXXX, XXXX XXXX XXXX XXXX, 2024 XXXX XXXX XXXX XXXX XXXX 2024 XXXX XXXX XXXX XXXX XXXX XXXX 2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2024 These inquiries were made without my permission, and their presence is causing harm to my credit. Please investigate and remove these inquiries immediately.
Product: Checking or savings account

I received a Fraud alert notification from XXXX from Charles Schwab went off on my phone about a possible fraud notice on XX/XX/2023. I was then contacted by the Charles Schwab Support Team at XXXX XXXX. The gentleman assisting me locked my account and stated that my account will be taken care and any posted transactions or fees for transactions will be removed of and asked me if I would open a claim to the fraud team. I allowed him to open an investigation with the team and he told me that I would expect a call back some time in XXXX - XXXX hours which would be some time Saturday at XXXX. My conversation with him lasted XXXX hour XXXX minute and XXXX seconds. Saturday came around and nobody called me. The time is XXXX when I decided to call back the number. I spoke with a gentleman who helped me get back into my account and then transferred me because he had no idea how to assist me with my money. I was transferred to a lady who informed me that the fraud team did not work on weekends and to expect a call some time Monday. I asked if there was a way to reach out to the fraud team so seek a resolution to the withdrawn money from my IRA, Savings, and Checking account. I was told there is no way to contact the fraud department other than by email and that she would put in a request for me. My call lasted XXXX minutes and XXXX seconds with them. It is now Monday and nobody called. The time is XXXX and I called the customer service hotline at ( XXXX ) XXXX and spoke with a man who had no idea how to help me. He double-checked with me that my account was secure and said there was nothing else he could do for me. I currently can not get into contact with anyone who has the knowledge or understanding on how to resolve my situation other than " Wait for us to call you. '' I spoke with him for XXXX minutes and XXXX seconds. I already have access to my account now but nobody has any idea of the money that was withdrawn via fraud and has no true answer that I'm receiving help or that I've even been helped at all in regards to my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 purchased socks for {$12.00} from XXXX 's using my XXXX 's credit card to get a discount. In XXXX I paid the bill, so I thought, through XXXX XXXX on line bill pay service that I signed up for years ago, and linked it to my checking account. I had been a XXXX XXXX customer for 28 years. In XX/XX/2019 I found out that the {$12.00} bill had not been paid and was now {$16.00} and so I paid the bill directly. I saw a notice from XXXX XXXX later that the checking account linked to the online bill pay service was closed. I then remembered I closed that my checking account and opened a new one for fraud protection sometine over the past 18 months and forgot to change the link to the new account on the XXXX XXXX online bill pay service. Since I typically paid my XXXX XXXX  bill through my XXXX XXXX XXXX XXXX Bill Pay system or directly, bi-passing the XXXX XXXX bill pay service, I did not recognize the earlier notice XXXX XXXX sent about the checking account problem as XXXX XXXX sends out hundreds of promotional and advertising emails all year long. During a review of my credit report in XXXX, I noticed that my credit score had dropped from XXXX to XXXX in XX/XX/2019, a direct result of the inadvertent late payment of {$12.00}. XXXXXXXX XXXX treated me very poorly and condecendingly, when I tried to expalin what happened consistently telling me it was my fault for not paying my bills on time. I am being punished for 7 years based on a {$12.00} honest mistake after being a good and loyal customer for 28 years. The laws and rules governing these kinds of disproportionatly puniative credit measures must be changed. I closed my XXXX '' XXXX account because of their treatment.
Product: Debt collection

I checked my credit reports and noticed that XXXXXXXX XXXX XXXXXXXX, XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are fraudulent inquiries, I never authorized.
Product: Debt collection

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I was contacted on my cellphone by Radius Global Solutions, a debt collection agency ( https : //www.radiusgs.com ). I ignored the calls. I was again contacted via cell phone today at XXXXXXXX XXXX from ( XXXX ) XXXX. I ignored this as well. On XX/XX/XXXX I sent a certified cease and desist letter to address : XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX with tracking number XXXX which was " delivered to final agent for final delivery '' on XX/XX/XXXX at XXXX XXXX per return receipt. 

They have been ordered to stop and yet they continue to call.