23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Filed for Forbearance in XXXX of 2020, now looking to find a resolution with Mr.Cooper, our services. Started the applications end of XXXX XXXX I called to follow up many times this past week and was once hung up on! I also gave the loan specialist my number in case we got disconnected but they never called me back! I assume this was because I told them I would file a complaint as they were not answering any of my questions or telling me what we could qualify for. I was asked to fill out an application more than four times via email, which I did. Theyre not communicating properly about why I had to keep filing applications and would not answer me about this. I was denied any assistance at all I later find out but they never communicated it with us after filing out the multiple applications. I contacted XXXX XXXX directly last week, and I dont feel were getting what we need as they told my husband to call the servicer back and ask what and why we dont qualify even though we have been doing that. I called mr Cooper back today and was told I have to basically pay a one lump sum of 12 payments to MAYBE reinstate if we qualify after we pay 12 months that we missed up front. Then they call it a repay payment plan for the XXXX and XXXX payment which isnt even due yet. Theyre calling it this so they can get away with making it look like theyre offering us something legally..XXXX XXXX does not require a lump sum up front from their guidelines I read with Covid laws. I am out of options because they wont give us any. I was only told we could appeal our previous modification and it probably wont go anywhere. We have lived in our home 22 years! This is extreme predatory lending practices with Covid! I was also told PRIOR to entering into this that we had rights because the Covid laws are different and we could modify again or get a deferral added to the end of the loan. I also have a screen shot of some of our communication Feom last year I will attach here. During this year long forbearance I called mr Cooper a couple times to be reassured we could have some kind of relief. They and Mainly XXXX XXXX have played a very nasty game here not telling me this upfront and offering nothing now! We entered into this with complete reassurance that we would be like anyone else and get relief after. If we would have been told up front that since we had modifications done before and would not be able to get any assistance, we would have borrowed money to catch up. We should have been told up front this could have been an issue! Theyre now telling us even if we do pay all the 12 mos now- we may not qualify for resuming our payments! They will find a way to deny us so they can take our house! Please help! A bankruptcy is what we may be forced into due to predatory lending!!! This is absolutely servicing discrimination and predatory lending if I have ever seen!
Product: Checking or savings account

Bank of America has been holding 2 of my government checks best known as stimulus checks and child tax credit. Since XXXX of XXXX for almost 2 months, in those 2 months I call everyday too checks if my checks have been sent out due you the fact that my account is pending closing which they stated to me that on XX/XX/XXXX my account will be fully closed so when that's occurs my checks will be mailed to me in a cashier 's check, that day came I waited for my checks in the mail and nothing. So once again I gave them a call I spoke to a representative by the name of XXXX she told me that my checks were mailed on the XXXX  of XXXX ok, I waited for a week and nothing so I called again and spoke to a representative by the name of XXXX he stated that my checks were never sent out and that they would mail them to me untill XXXX of XXXX due to the fact that my account is closing pending. I don't understand why iam having these issues with Bank of America if when I received my first 2 checks I was able too withdraw my funds with no problems even with my account being pending closing, now it has gotten toa point we're this had cause my e to have a very XXXX XXXX cause I cant even buy my children their Xmas gifts or for any kind of holiday shopping whatsoever. If I can please get some help to get Bank of America that's what their doing to a loyal customer is very unfair. Thank you HAPPY HOLIDAYS
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax have taken over 30 days to remove inaccurate accounts and unauthorized inquiries on my report. 

Affected accounts XXXXXXXX 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 XXXXXX/XX/XXXX XXXX
Product: Checking or savings account

I used to have a personal and business account with BANK OF AMERICA and they close both accounts without any reasons. First they close my personal account and than after a few months I received the letter for my business account as well. 
I call several times the call center and also went to the branch but I didn't get any response that could help me to figure it out what makes them don't want me as a client any more. 
This is causing me a lot of problems as I need to have a bank account to operate my business and also to pay my personal bills and I don't know how to handle these situations since it happened again at XXXX BANK.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called XXXX multiple times to report correctly and erase my balance. I paid it off in XXXX and it keeps reporting I havent paid. They say they will fix it, but I havent seen a change. I asked XXXX to fix the report and they just disputed it again! I have disputed and called multiple times throughout the past 5 months with no change.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, DEPT OF ED, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, US SM BUS ADMIN ODA.
Product: Debt collection

I sent Credit Collection Services a letter to validate the debt they are reporting on my credit report from XXXX. The company sent me a health insurance claims form. Credit Collection Services did not send the original agreement between myself and the original creditor or any documents showing that Credit Collection Services is legally able to collect this debt. They did not send a contract between their company and XXXX. They also did not send documents showing that their company is registered and license in my state. These are basic documents needed to validate an account, not a health insurance claims form. Another issue is that the health insurance claims form that XXXX sent to Credit Collection Services has a diagnosis code from a medical issue that I had. This is a HIPPA violation. My medical diagnosis should not have been sent to this company so this company is also involved in a HIPPA violation.
Product: Checking or savings account

On XX/XX/year>, I opened an Ally checking account under a promotion where I would earn {$200.00} after receiving a total of {$1500.00} in qualifying direct deposits by XX/XX/year> ( refer to the attacheXXXX XXXX XXXX XXXX ). I completed the requirements, but never received the bonus of {$200.00}. 

My Ally account received my first direct deposit from my employer on XX/XX/year>XXXX  for {$1100.00} and my second direct deposit on XX/XX/year>XXXX  for {$410.00} ( refer to the attached XXXX and XXXX ). The total amount of my direct deposits is {$1500.00}, which is more than the amount required by the promotion. 

The was an issue with my first direct deposit where delays in the processing led to my checking account nearly being closed on XX/XX/year>. However, I was able to call in immediately and reverse the pending closure. The Ally Bank representative I contacted assured me that my account was still in good standing and that I would still be eligible for the bonus. 

The Ally representative also informed me that a note was made on my account about this situation including the fact that I should receive the bonus. A few hours after this incident, I also received another email from Ally on XX/XX/year>XXXX  reiterating my eligibility for the {$200.00} bonus ( refer to the attached XXXX ). Based on all of the above, it was my understanding that I was still eligible for the bonus, so I continued using Ally and had my employer send the second direct deposit shortly afterwards. 

However, several months passed and I still had not received the {$200.00} bonus. When I contacted Ally again, they told me my bonus was denied on the grounds that my account did not remain in good standing based on the XX/XX/year>. However, this completely contradicts my prior correspondence with Ally and the assurances that I was still eligible. I am deeply disappointed with this experience and hope that Ally can rectify this.
Product: Debt collection

Jefferson Capital LLC. Contacted me months ago about a dept was from 14 years ago and they are with drawing it out of my checking account.. and they said it had to be paid.. I took care of this matter years years ago ... how can they do this... I had solved this problem ... my husband passed.. I now try to get back up... looking for houses and now. They messed it up... this was taking care of .... and also my credit score is down.. can even open my credit score cause.. to see what I have on it. That will mess my credit score up too.. I really need to look at my credit score to get a home... I had a credit check from a agent and it was NOT all that good... I don't even know what is listed on my score... how can I talk to a credit bureau to check it with out hurting it.. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for one credit card with US Bank on XX/XX/XXXX. The bank ended up submitting XXXX credit inquiries on my XXXX credit report. The dates of the hard inquiries were as follows : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/2020 I was at XXXX trying to withdraw cash it keep telling me I reach my max with draws. I never had this happen so I got on my cash app app an look for the customer service number. At that point I call the number I found. He told me the only way he would be able to fix the issue was for me to go to the app store an download a app call XXXX XXXX or something along the lines of that. So I download it not know in this app was going to give him full control over my app/phone. While on the phone we was talking an I happen to get a beep I look at my phone an see him controlling my app an in my app I look at how much was in my account an it said XXXX. So I went from XXXX to XXXX. He did 4 diff with draws 3 for XXXX an one for XXXX. First 3 account that got the XXXX were all diff then one of those account received the XXXX. I started freaking out an ask him what happen to my money an to just put my money back on my card. He told me not to worry an to hold the line he well be back. He came back to the line an said he was having issues on returning the money an ask me 1st if I had a debit card I could link to my cash app that had XXXX on it I told him no. Then he ask XXXX? I said no ... then he ask me to go to the nearest store an purchase XXXX in XXXX XXXX cards. I told him I dont have any money an I was not doing that. I hung up on him at less 5 times over speaking with these ppl for 2 hours trying to get my money. At one point he even laugh an told me I been scam. Told me reporting it to anyone well do me no good. I contact cash app immediately thru email cause it 2020 an their a company who does not have a live customer service number smh. Waited for a response only to be told alone the line they could not do any form of refund cause someone had access to my account in the past. I ask for them to prove whatever their speaking out an yet to get any proof. After all this I learn going thru XXXX there many many scammer numbers listed as cash app customers service numbers. I also learn this has happen many times to other customers an still yet cash app is doing nothing to protect their customers. I went thru the app request a refund that did no good. I call all the numbers back they keep calling me back on only to learn those number all were text now number an was all disconnected. Am not sure how cash app doesnt feel I dont deserve my money back when the number i found WAS ON MY CASH APP APP. I also have recording on my son phone I can send if need to of them admitting they work for cash app. Why hasn't cash app did anything to PROTECT their customers why does this keep happening
Product: Vehicle loan or lease

On XX/XX/XXXX i applied with navy fed credit union for a used auto loan. I was approved for {$38000.00} at 5.39 % interest for what i was told a XX/XX/XXXX or newer truck with less than 25k miles. I told then rep i was looking at a XXXX XXXX ltz with XXXX miles because it was a nicer truck and the lowest miles i could find outaide of new. She told me that the rate MAY change little but wouldnt go.higher than 5.9 or 6 % but with the low miles it should be 5.39 % ( i have this call recorded ) note the lowest rate offered on the said vehicles.is 4.09 % so i was close to the lowest. I said ok thanks send the cbeck. The details in the loan docs.where as she stated on the phone. Tuesday XX/XX/XXXX i purchased the XXXX XXXX   XXXX ltz with XXXX miles on it and.financed XXXX. When the dealer called to.verify the check and amount, they asked the navy fed rep if the rate would change, the rep replied that as of right now no it would stay at 5.39 % but they didnt know for sure untill its completed and closed. I said ok lets do the deal. Today sat XX/XX/XXXX i got onto my navy fed account and it shows they raised the rate to.9.69 % almost 5 percent higher than quoted. I contacted navy fed ( also recorded ) and was told there was nothing they could do. I dont understand how.they can raise tbe rate that high witbout my authorization as i wouldnt of bought the truck. I asked what the lowest available.rate was he said 4.09 % and i was approved for 5.39 % so.i asked how it goes up 5 % just because i bought a 2 year old vehicle with XXXX miles on it. ( note the truck is worth XXXX $ ) he said thats how.it works and refused to talk further. After this i started applying to refinance with other banks and was offered 4.5 % for 72 months. So as we can see its not a credit or debt problem. It seems like bait and switch or fraud to me. Now to refi i have to hurry up and pay sales tax to register and pay title fees, pay navy fed a XXXX loan origination fee, and the accrued interest so basically i was not only duped but im gon na be out XXXX $ in this whole ordeal. They should not be able to get away with this and lie. They had tbe opportunity to disclose the higher rate and refused to be honest which is fraud. I advised them i will be contacting this agency, the XXXX, and an attorney and i was hung up on. I have sent multiple emails to the loan department with no.response. i think they should either lower the rate back to 5.39 or because of the inconvenance and added stress they caused me match the 4.5 % offered by XXXX XXXX XXXX. If not they should remove all fees and interest so i can.just refinance the XXXX i borrowed so im not out money due to thier games. Im a XXXX vet and i expect a bank designed to help military to help us not hurt us. Just so its out there i have a credit card with them and i have NEVER missed a payment, and a XXXX $ auto loan i just paid off in exactly 1 year. Not one missed payment. I feel people should be aware of this when shopping. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I disputed a account with all three credit bureau, XXXX, XXXX and Transunion. All three credit bureau responded back saying the account was verified and accurate. The alleged account is XXXX # XXXX. Well I come to find out that the account was sold to a outside agency. well in XXXX I sent a certified letter to the new owner of the account which is XXXX XXXX. I have attached the copy of the letter that was sent to XXXX XXXX. they refused to respond to my letter dated XX/XX/2018, I also attached the certified mail receipt to show they received the letter on XX/XX/2018. But they failed to respond to me. I am a consumer and I have rights under the FCRA. and they have been violated, due to XXXX XXXX not responding to me in 30 days. I have all rights to see information and original signed contract from the original creditor. they have failed and refused to send me any documentation. This item needs to be removed asap,,,, or I will file suit,,, I also contacted the original creditor XXXX XXXX by certified mail and they failed to respond to me also,, I have attached a copy of the letter I wrote to XXXX XXXX and certified mail receipt showing I sent XXXX XXXX and they received the letter on XX/XX/2018.both the original creditor and the new owner of the account both failed and refused to respond to me the consumer within 30 days and all three Credit Reporting Agency are reporting unverifiable information this is against the law and the FCRA. This account need to be removed asap or I will file a suit with the federal court,, I did my part as a consumer by writing both the Original creditor and the new owner of the account and both partied failed and refused to respond to me within 30 days and I have the letters that was written to both of them and the proof they received the letter ... this is not a dispute of information on my report, THIS IS A DEMAND THAT THIS ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT BE REMOVED ASAP, ,AS FOR MY RIGHTS UNDER THE FCRA HAVE BEEN VIOLATED,, BOTH PARTIES FAILED AND REFUSED TO RESPOND TO ME WITHIN 30 DAYS I AM ENTITLED TO XXXX FOR VIOLATIONS. I HAVE ATTACHED COPIES OF THE LETTER THAT WAS SENT TO BOTH PARTIES THE ORIGINAL CREDITOR XXXX XXXX AND THE NEW OWNER WHICH IS XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX XXXXd there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX Company Inquiries : 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 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. 
XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX NA XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX  XX/XX/XXXX, 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

All these letters were sent out to creditors advising them to please remove on authorized hard inquiries from my credit report. I have not authorized anyone to place a hard inquiry on my credit report nor am I from money with either of these companies. I have n't heard any responses from anyone and it 's been well over XXXX months since I sent those letters out. I would like for these unauthorized inquiries to be removed from my credit report as it is damaging and hurting my score
Product: Credit reporting or other personal consumer reports

I got a childrens place card when I was XXXX XXXX XXXX and it still on my credit because they keep calling requesting money and thats been over 18 years ago.