23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I Applied for forbearance covid hardship XX/XX/2022 XXXXdid n't hear anything at all, finally I called company around XXXX.the person I talked to said yes she'll put us on the forbearance but that we only have til end of XXXX.because I guess XXXX must be the cut off date.i said that's fine I wasn't trying to be on it forever anyways, just need to get back on my feet.she said id be getting some paper in mail in about a week.i asked her about paying the missed payments and I wanted to do it with the stand alone offer.theyll talk about it with you when you leave forbearance, she just didn't want to get into it.so only thing I knew was we are now on the program til end of XXXX. well I never got any paperwork so I called back XX/XX/2022 and talked to XXXX she assured me paperwork is coming and also informed me I should pay my escrow or I might be hit with shortages when getting off forbearance. {$560.00} a month.glad I learned that.well I've been getting nervous because still nothing in writing to even prove I'm really on forbearance.waiting, waiting, waiting, so I called again today XX/XX/2022 waited for 3 hours on hold .was still on hold when my mail came finally something from them.well its a 1 page letter telling me they are notifying me that they are going to get an appraisal to get the value of the property as part of loss and mitigation and that they are charging me for it.how is this I'm having trouble with my mortgage.hello how am I gon na pay for this .is this legal, what are my rights on this.now I completely do not trust them .they arent trying to work with me, help me like the CARES ACT says there suppose to.I WANT PAPER WORK SAYING IM ON FORBEARANCE, then the letter says to talk about it call the number I was just on hold for 3 hours, what is going on are they gon na help me or try to take my house. this is CHFA can any of these people just help .I didnt apply for loss and mitigation .I 'm covid 19 hardship forbearance.it sounds like they don't even know that.so now ill be worrying until im off it and I know there not trying to take my house.no piece of mind .kind of defeats the purpose of the program dont you think.
Product: Credit reporting or other personal consumer reports

I'm not able to access ChexSystems online portal as they've suspended it due to " suspended by administrator ''. I've called 5 times, and they have not been able or willing to give me access, and they will not explain why it's blocked. 

I need a copy of this report for my XXXX XXXX. 

I need to dispute an item that a credit union is reporting that is incorrect, and has resulted in adverse action letters for me trying to get a new checking account. 

I have a right to this report and to dispute it, and the company is violating that right repeatedly
Product: Credit card or prepaid card

Install my identity and obtained my XXXX debit card without my permission I have notified Bank of America and has been over a year and they have not done nothing about it with the still pending case
Product: Credit reporting

The XXXX account is being reported incorrectly! The account is paid and the agreement made with them was for the " Full '' balance not " less then full balance ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several requests for EQUIFAX to verify information they are reporting on my behalf to others on my report. In my written requests for this information I requested them to send me a copy of the information they used to verify the information they are reporting is valid. I requested contact information be sent to me for all debt they have indicated is valid. I ask to have the info verified or removed. EQUIFAX has failed to properly verify the info or its accuracy and provide me with the documents they have used to verify the debt but have sent me responses saying they have verified the debt and it is valid. I sent them several requests in writing in regards to the accounts I will list below. I sent the request both online as well as via mail. The accounts I am listing are either reporting incorrectly or they DO NOT BELONG to me at all. I have requested them to properly report information on my credit report but they have failed to do so and have refused to do so which is a direct violation of my rights. 
Accounts : XXXX XXXX
Product: Bank account or service

I have used Ally as my primary checking account for receiving my direct deposits, paying bills, and using a debit card. This month my mortgage payment to XXXX XXXX XXXX was scheduled to be received by the bank by the XXXX. On the XXXX I was assessed a late fee of almost {$40.00} because my payment had not been received. I contacted Ally bank to ask about why the payment had not been received and was told " We do n't know why it is n't there '', " It hasnt cleared your account '', and " It should have made it on time ''. When I asked if I could cancel that initial check since I have no idea where it is, or if it ever did get sent so that I could ensure I could pay my mortgage over the phone or through XXXX XXXX XXXX 's website instead and not having to worry about needing enough funds to cover when the initial check cleared I was told that there was a {$15.00} check cancellation fee unless I waited until at least 10 days past the anticipated received by date. So now I am stuck with a {$40.00} late fee, a late payment on my mortgage and credit history, and a fee to cancel the initial check that still has n't made it to the bank, which leaves me with no way to pay my mortgage currently until I wait out the ten days, cancel the check, and finish transferring all of my money out of Ally.
Product: Student loan

I had called to lower payments and I was refused because I did not qualify as I made to much to lower my payment. I was told I have to pay {$700.00} a month. I could not do that so I paid what I could. $ XXXX {$150.00} a month is what I could afford at the time. XXXX they sent my loans to collections because I was not paying the full amount they told me of {$700.00}. I am unsure of the exact dates when I had spoke to someone but I think it was back around XXXX. After I got out of collections and saw what I was to be paying a month which was still high for what I could afford and seeing my loan had more then doubled. I gave up because my voice wouldn't be heard and felt I would not get the help I needed.
Product: Mortgage

I was exploring about purchasing a house and I called a person I knew at XXXX XXXX XXXX XXXX to inquire what I needed to get the process started and I was assured they would pull a soft inquiry and now it seems they pulled a hard inquiry using XXXX XXXX ( XXXX XXXX XXXX ) who on their website pride themselves are bring mortgage companies more closing. I have sent dispute letters on several occasions to XXXX with no success. 
XXXX XXXX XXXX from XXXX XXXX, 2016 XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Thank you for any help you can provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act Convergent Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

I was contacted by someone representing that they were thru my energy company and read to me the address where I live stating that my service was going to be terminated due to non declined payment..i had just had my card shut off because last week my account had been charged for a n app service two times and it was a service I have never heard of the amounts are {$550.00}, {$990.00}, {$270.00} I contacted the bank and asked them if these could be stopped they said no since it was done thru XXXX it was considered to be like handing the money straight over
Product: Credit card or prepaid card

XX/XX/2020 dispute amount {$2800.00} dispute ID : XXXX AND XX/XX/2020 dispute amount {$15000.00} dispute ID : XXXX ( above charges are for the cruise deposit and final payment ) Total dispute {$17000.00} The above disputes are from charges to my account by XXXX XXXX line for a trip that was cancelled because of Covid19. The trip was scheduled for XX/XX/2020 Services were never received from XXXX XXXX XXXX. 
Citi Bank Visa has been stonewalling the reverse of these charges using the excuse that the Cruise Line was not getting back to them. Meanwhile, I am out a significant amount of money. 

XXXX XXXX XXXX drastically changed the itinerary of the original cruise which was basically a cruise to XXXX to a Cruise to XXXX and XXXX eliminating 7 XXXX ports and adding 2 days at sea. This was not acceptable to me. 
All of the above has been explained to Citi Bank Visa and they refuse to make this right by reversing the charges to my account
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX has wrongfully allowed XXXX XXXX XXXX to report an account and have added to my credit file as a collection/derogatory account. I have disputed this account already and this account is still on my credit file. I have attached copies of the lease which shows the lease and Jetty information about the surety bond dates/agreement was altered and changed without notifying me. The dates are fraudulent dates and incorrect dates which is inaccurate. According to the Fair Credit Reporting Act no creditor, debt collection company or credit bureau can report any information thats not accurate and this information is not accurate. As a consumer, I have the right to file a lawsuit against Equifax, XXXX and XXXX XXXX XXXX for reporting this inaccurate and false information. Its in XXXX and white and Im sure the judge would love to review this case. Also, because Equifax and XXXX allowed this company to report is 100 % liable as well and will pay for punitive damages. I have reached out multiple times. I have attached altered dates which is in XXXX and white. XXXX and Equifax has 10 days to have this account completely removed from my credit file if not I will file for a lawsuit. You all have violated my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. My request for the correction and removal of the erroneous information about my accounts has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date, XX/XX/2022. Besides, the inaccurate information about my accounts is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting unverified information. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FIN XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I had applied for a XXXX $ loan through them and was denied. But then in my payday, they debited XXXX $ for a loan repayment plus XXXX $ monthly fee. ( The loan { {$900.00} } is to be given to me after the XXXX $ { interest? } is repayed by me, @ XXXX $ XXXX $ XXXXmonth, for a year or so... ) I never would have signed up for that knowing I can't repay it. I was trying to borrow {$200.00}?? I did customer chat first asking how that happened and I need to cancel it Bc I can't afford XXXX $ a month. She was very rude and said too bad and I would have to call someone else..so I tried emailing them and she just kept sending the same basic reply 2-3 times ... and by then I was in tears and didn't want to deal with them anymore...
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding this unauthorized and fraudulent inquiry ( XXXX XXXX XX/XX/year> ) that DO NOT belong to me and it is still reporting on my credit report. I have also submitted multiple FTC reports regarding the unauthorized and fraudulent inquiry that DO NOT belong to me. Experian have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Debt collection

Received notification that a negative report was received on my credit by credit monitoring. XXXX XXXX was reporting that I owed a debt that I was not aware of. I disputed the debt after which time I received correspondence from the collection agency that I owed a debt with XXXX XXXX XXXX I do not owe XXXX XXXX so I sent the collection agency a debt validation request via certified mail. I received notification that my correspondence was received by the company on XX/XX/XXXX. In the meantime I have a wireless account with XXXX since XXXX and that is paid timely via autopay. On XX/XX/XXXX I purchased another from from XXXX, paying in installments payments but I did not activate it because the phone is supposed to a XXXX gift for my XXXX. On XX/XX/XXXX I contacted XXXX to get another line so the new phone could be activated and to port over my grandsons number to the phone so he could have it for XXXX. I was told by the representative that a restriction had been added to my wireless account so she could not allow me to have another line, even though I have a wireless account in good standing. The representative preceded to tell me that I owed a balance ( over XXXX ) on an internet account with XXXX. I informed her that I have never had internet with XXXX. So she placed me on hold came back the phone and told me that it was XXXX for an account back in XXXX. I let the representative know that I did not owe XXXX anything and I had disputed this allegation and has received notification that they had received my certified correspondence. At time the representative got XXXX recovery on the phone. The recovery representative informed me that her records show that I owed XXXX. I once again explained that I did not owe XXXX anything and that I had disputed this charge. She asked me for the certified notification number, which I provided to her and the date of XX/XX/XXXX which was the date it was signed for and delivered. She placed me on hold and came back to tell me that there was nothing she could do because the account was closed and showing XXXX balance so I needed to contact the collection agency. Stated the restrictions was placed to prevent me from opening an account. Both myself and the XXXX XXXX representative was trying to explain that I already had an account, I was just trying to get another line in my existing account. At that time I was told the a XXXX XXXXXXXX would call me back in XXXX hours to see if they could help me. Today is XX/XX/XXXX and I have not heard anything from anyone and is XXXX of the reasons I am filing this complaint. The other reason is that I dont owe XXXX anything but they have placed a restriction on my wireless account, closed the account, wont lift the restriction but turned me over to an outside collection agency. 
I should be celebrating this time of year with my family but instead I am having to file a complaint regarding money that I dont owe
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  use of my info i did not get a loan with this company
Product: Credit card or prepaid card

I called every number for reliacard listen and nobody answers or when i do get ahold of someone they tell me they cant help me or tell me anything. I have a XXXX  and another one on the way and have recieved 3 payments from unemployment in ohio and after the approval and all those weeks filed and paid i still have no card from them and still no answers and my bills are still there needing paid and a family that needs to eat and live. I have tried finding an email to contact them but requires an account i just want answers to where my card is so i can access the funds that are on there so i can feed my family
Product: Checking or savings account

On XX/XX/2022, Wells Fargo Bank failed to notify me about an on-line Transfer from my Savings Account to my Checking Acct in the amount of {$100000.00} which I did not do. The money was then used by the Fraudster " XXXX from XXXX XXXX '' to claim that I '' stole {$100000.00} from XXXX XXXX  '' when I responded to an email from XXXX XXXX XXXX XXXX that the payment for my subscription of {$390.00} was successful. I explained that I did not ask for any subscription and " Employee XXXX '' told me to fill up an application for Refund from XXXX XXXX, bank that handles XXXX XXXX, which I did and it back to him. 
I was threatened by " XXXX '' that if I don't return back the money, he will call the Police to come get me! '' which made me really scared and trembling! I told him to just reverse the money then, but he said it has to by wire Transfer which I have not done before. He then sent me the Instructions of how to do it. I checked my XXXX  Checking Account and I did see " Deposit from XXXX XXXX  {$100000.00} ''! I then went to Wells Fargo Bank and gave the paper to the Banker and did the Transfer right away without any questions. 
When I got home, that XXXX called me again to check if I did the Transfer and to picture the receipt to send him. Then he said, " Let 's just this keep this to ourselves, ok? '' That's when I realized I got defrauded and had tried to call the Bank but they were answering the phone, so I went back to the Bank within the hour! XXXX tried to call the number on the receipt but no answer. The Banker also reported it to their Fraud Dept. I then asked to talked to the Chief Banker and complained HOW COME NOBODY NOTIFIED ME ABOUT THE ON-LINE TRANSFER FROM MY SAVINGS TO MY CHECKING ACCOUNT? THAT SHOULD HAVE ALERTED ME THAT IT WAS MY OWN MONEY THAT I WAS WIRE TRANSFERRING! Besides I did not have enough money in my SAvings to make the {$100000.00}! I told the Banker that was really NEGLIGENCE on their part! Then we found out that {$15000.00} came from daughter 's Acct ( Educational Savings for my Granddaughter )! The next day, I received in my email the warning about the on-line Transfer of {$100000.00} WHICH IS TOO LATE! I made a complaint Letter to the Bank about their Negligence and they wrote me back after 2 weeks denying my claim.
Product: Credit card or prepaid card

HSBC BANK CONTINUES TO CHARGE ME FOR CHARGES ON MY CARD THAT I DID NOT MAKE. THE CARD WAS EVEN CLOSED DUE TO FRAUDLENT USE. PLEASE HELP. I HAVE SENT THEM THE PAPERWORK THEY SENT ME ON THESE CHARGES THAT WERE MADE ON MY CARD ON XXXX. I HAVE SENT IT NUMEROUS TIMES AND THEY INSIST THAT ARE GOING TO CHARGE ME NONEHTLESS. THE ONE CHARGE IS {$6.00} FROM XXXX AND THE OTHER ONE WAS {$5.00} FROM XXXX ON XX/XX/2021 BOTH OF THESE CHARGES WERE NOT MADE BY ME. BUT THEY ARE GOING TO CHARGE ME ANYWAY. I HAVE UPLOADED THE PAPERWORK SEVERAL TIMES TO ADVISE THEM I DID NOT MAKE THESE CHARGES. PLEASE HELP. THEY REFUSE TO LISTEN. I AM NOT PAYING FOR CHARGES I DID NOT MAKE
Product: Credit card

I used my personal BestBuy card to purchase XXXX XXXX & gave XXXX  the bill, she had set it up on autopay, and chose paperless statements, which I never knew that no statement was coming, so I never saw a stmt, I had XXXX XXXX XXXX  XXXX months ago, but saw that this credit card was autopaid each month, so I was letting autopay each month pay down the balance. Today I was turned down for my mortgage because of an over {$5000.00} XXXX on this card just posted and killed my utilization and credit score. Last month my balance was {$2400.00}, and I haven't gone into this store in years. I called BestBuy, I was on phone from dept to dept for hourse trying to find someone that could help inform me why my balance doubled in one month. First girl didn '' t speak XXXX understandably. then transferred, manager was rude and rushing me through the whole phone call, then transferred me to citibank credit cards. BestBuy informed me that since I failed to pay entire balance by end of promo period, deferred interest was added to account. They added $ XXXX in interest on my {$2400.00} balance, after I have paid $ XXXX for over 2 years! Which means a TV I have no memory of buying cost me over {$6000.00} for a {$2200.00} TV! I never got a statement, never knew it was set on paperless, I never knew about a promo period of deferred interest, nor did I agree to it! The Store tells me now that " I had to have chosen promo period '' at the time of checkout, but I DID NOT! Their salesman could have done that! I knew nothing about it! I am XXXX XXXX XXXX, on social security, and they just destroyed my chance to re-finance my mortgage because of charging me a {$2100.00} interest charge on purchase I have been making monthly payments on for two years. They swear it was me who purchased, and had delivered to my house, when I asked what address it was delivered, they told me they don ; 't have that info. I begged them to extend the Promo period and allow me to pay the balance in full, CitiBank informed me it was too late! They just broken record me over and over that once the period ends, its too late to do anything! How can this be legal? When I finally was able to see a statement, the warning this huge deferred interest charge would post if not paid in full is so small, I never would have ever seen it anyway, even if I had been getting statements! This is so unfair! I feel robbed!! Having an over {$5000.00} balance reported to the bureaus also kills my credit score! This is extortion! Now, I can't get my mortgage refinanced unless I pay this over {$5000.00}!!