23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX XXXX about account # XXXX and asked them to delete this inaccurate derogatory account. They stated that everything is accurate 3 times now! But everything is still the same and the account information is STILL INACCURATE!! This is ILLEGAL!! They have once again broken the law! 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. I have NEVER given written consent to publish ANYTHING on my credit report which is also ILLEGAL!! I DEMAND that the accounts be deleted IMMEDIATELY! They have also violated these multiple laws below, 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. Their illegal actions are costing me and my XXXX  to live in unsafe circumstances because I can't get proper housing or transportation! If they do not delete these accounts from my credit profile permanently I will take further action and they will be liable to pay me {$1000.00} per violation!
Product: Credit reporting or other personal consumer reports

I requested on XX/XX/year> that Experian remove inaccurate information from my credit report. 
There are several credit inquiries that I did not authorize that need to be removed. They sent me a response via email stating that these inquiries would not be removed even though I did not make them. 

I requested that they remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I 've been trying for at least a month, to update my online password after it " expired '', but nothing I enter that would fit their criteria works. I 've made up passwords I 've never used before, made sure a person 's name on the account was n't used, the capital letter, small letter, special character, numeric, and at least XXXX characters long. Nothing works. I 've been trying to pay my loan and now there is a recording saying they are having technical difficulties and higher than expected call volume and to " call back later '' then click. I am not sure why XXXX sold my loan to them, but they have been nothing but a problem to make a simple payment online. There is no other phone number for technical difficulty. This all looks like a scam to charge a late charge or XXXX XXXX charge to me. I do not know why they think they need to decide for me, that I need to change my password, as long as it fit their criteria once.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  Account Number : XXXX and XXXX XXXX XXXX Account Number : XXXX add a derogatory mark on my credit report per Experian. Upon further research, this account was transferred/sold and I am no longer responsible for the account. debtor creditor did not verify this collection also there was no written forms of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mine. according to the FCRA XXXX XXXX Account Number : XXXX and XXXX XXXX XXXX Account Number : XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Mortgage

Complaint Against : XXXX XXXX XXXX XXXX.

XX/XX/XXXX Topic of Complaint : Cornerstone put me on a " Hurricane Harvey 3 month forbearance period '' on XX/XX/XXXX( that I did not need ).

What happened : I attempted to make a payment on XX/XX/XXXX ( {$370.00} are my regular monthly payments ), the next payment due date, and I was locked out of my account portion of " make a payment ''. On the phone a few times to resolve this, nothing resolved < I was told on the phone because I was on the Harvey plan, that I and all others are locked out. So I kept making requests to get me out of it - nothing ( as evidence of still being locked out of the payment portion of the site ).

The 2 months owed now, its XX/XX/XXXX, I was still locked out from making a payment online and decided to make a payment " with a representative ''. I did this on XX/XX/XXXX for the amount of {$730.00} ( 2 months for my mortgage now owed ) over the phone with the confirmation number of XXXX  and nothing showed withdrawn from my bank! And still I was locked out from making web payments.

Concurrently I have received FIVE " attempt to collect '' letters from their " Loan Workout Department '' while being on the Harvey forbearance program.

Lastly, I attempted to now pay THREE mortgage payments on XX/XX/XXXX for the amount of {$1000.00} ( confirmation number : XXXX  ) and seen I was finally allowed to make web payments and the payment shows paid on Cornerstone - BUT has not been taken out and today is the XX/XX/XXXX ( like theXX/XX/XXXX situation ).

I called today, XX/XX/XXXX( yet again, but now spoke to one of the managers ). I was not irate, but sternly concerned for their lack of coordination and vision of how to help those affected from Hurricane Harvey.

Problem # 1 : This is not a forbearance plan, a forbearance is when the months owed that are on " pause '' are applied to " the end of the life '' of the loan. Here they are expecting full 3 month payments as a BALLOON payment due immediately! Just 300 yards from where I live, 100s of homes where totally lost - I was lucky, and those mortgages are easily $ 2,000+. Imagine having to pay 6,000+ on the 3rd month when the plan is done on XX/XX/XXXX! ( While receiving debt collection letters along the way ... ) Problem # 2 : Lack of strategic planning 1 : Why would you lock out the customer from making payment if they want to make payments?! I had plenty of REAL forbearance periods in my student loan lives - and I ALWAYS had the chance to pay when I could within the period on my WEB PAGE options and was never locked out from the option.

Lack of strategic planning 2 : Debt collections?? Then I am told to just " ignore '' the letters ... I'm sure the debt collecting team will forget to sort out who is who from the letters of Harvey and non-Harvey stacks and send all for default on XX/XX/XXXX( as my 5th letter stated ).

Help please, RM
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect information on my XXXX report. I tried to get it investigated via mail on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, however, XXXX XXXX only sent me a copy of my credit report unchanged. There was nothing updated, and no new information regarding my disputes. XXXX XXXX did not open disputes as requested. I will be attaching the dispute letter that I sent on today, XX/XX/XXXX. My license, bank statement, and utility bill are both in the attached document, so you have proof of address and proof of identity, as well. Thank you!
Product: Checking or savings account

On XX/XX/19, I visited a branch to get help with my account which was being charged for multiple insurances fraudulently through insurance brokers. I worked with XXXX XXXX, who opened another checking account for me and moved my money from the compromised account. At the same branch visit ( XXXX 5/3 branch at XXXX XXXX XXXX XXXX, XXXX OH XXXX ), XXXX was supposed to be assisting me with adding my daughter as power of attorney for all of my accounts. We submitted the notarized documents and were assured that the info was added. However, almost a month later, my daughter is still not added and is unable to help me with my accounts without me there or on the phone. I am a XXXX year old retired XXXX XXXX veteran who is not at all tech savvy. I have been asking my daughter to help me because my account was repeatedly being overdrawn by these insurance companies who I couldn't reach to cancel my accounts because I don't have any of the policy info. Instead, we have been told that there is no fax number to submit the documents, but that I have to go in to the branch. I went to the branch twice today and was convinced to sign up for a loan rather than what I need help with. It has been brought to my attention that this is elder abuse. My daughter can not take off of work to go in to the branch with me everytime in order for my requests to be met. Also, it appears that even when she does, that this bank would rather continually tell me how they can't help me than actually even attempt to help me other than getting me to sign up for new products, which I'm sure is more in the bank 's interest than mine. I just want to be able to pay my bills and not be taken advantage of. Yes, I understand that we can go in to the branch or mail in the documents, but the situation has already not been rectified in almost a month. As a 2x XXXX XXXX survivor, what I really want to do is live out the rest of my life without this type of stress. I've been with this bank for several decades and I can now say that I would never ever recommend this bank to anyone. The person I spoke with this evening ( XXXX ), told me that he can not give his last name for privacy purposes and can only give his supervisor 's last name ( XXXX ) ... that is very interesting, considering that the branch employees give their full names. It sounds a fishy as the banking practices 5/3 uses and it also sounds like a convenient way for there to be no accountability. I'm trying to help myself, but obviously, I'm not important enough to receive help from a bank who has MY money.
Product: Student loan

I have been trying to work with the loan company Navient. I am unable to pay off my loans at this time do to personal problems and a family situation that has not allowed me to work at this time. I also have been studying for my licensing exam for my XXXX so I can get a job to pay these loans back and that has taken time. 
The company has spend the last year calling and harassing me, my family, friends, and friends of family members that I don't even know. They call them and me multiple times a day everyday for almost a year. 
I called the company and explained my situation to them four times and asked them three of those times to stop calling me multiple times daily. This request was not granted after they said they would put me on a no calling list. 
Now they are harassing me telling me they will take me to court if I don't pay a fee of {$150.00} to be put into one of their programs, money I do not have. 
I told the woman I would try and come up with the money by the end of XXXX and she agreed. However, she continued to call me, family, and family members friends ( such as my sister in laws father ) to try and get the money even after we had agreed to give me a months time to come up with the money. 
I called her back to try and figure it out and then she called me today threatening that if I don't pay the {$150.00} to be put into a program today that they are done trying to " help '' me. 

The company has my contact info and has no right to be calling family members and people I don't not know to get money from and sharing my private information about my loans. 
I have literally received hundred of phone calls in a month spanning for almost a year. 
I had to change my phone number it became so bad. 
I do not know how to come up with the money and I do not know how to stop them from threatening me and harassing me daily.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit report, I realized that one specific account was erroneous. It is not acceptable to treat this reporting account as unconfirmed information without producing proof, please investigate the unverifiable account : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

CACH LLC did not validation for this debt. I do n't have any sign document or any business with them. on my credit repot claiming unpaid debt by CACH LLC.
Product: Vehicle loan or lease

Im trying to fix my credit report and it is not updated. My car loan shows different balance.
Product: Money transfer, virtual currency, or money service

Near the end of XXXX, I transfer all of my assets from the app Robinhood to another platform, XXXX. Shortly after transferring, all my assets were frozen and I was not able to withdraw them from either platform. They put an unwanted restriction on my account, and after many days of waiting they have kept pushing back to date of my account will be reviewed. Every day I check it, it states that it will be the next day. The amount transferred was exactly {$19000.00}. Robinhood has not been able to provide any information on why my account has been restricted and will not give me a real estimated time.
Product: Mortgage

Due to the corona virus i am now able to pay XXXX mortgage today is XX/XX/2020. 
My interest rate is almost 8 % 7.92 % I am definitely a mortgage prisioner I do believe if i could get some HELP with very high rate that i would be able to not struggle so muchand could easier be able to get back on track. 
My home was once inforclousure. And it was extremely stress fut at that time i was abe to do the loam modifications BUT. XXXX XXXX   company did not give any help with the high rate. 
This was my mother 's home he passed away in XXXXi have been struggling ever since. 
Please I could obtain some assistance with this rate.i am XXXXyears old and recently had XXXX XXXX XXXX XX/XX/2020 an am currently undergoing XXXX therapy. 
I was not able to work due to the XXXX and now with the corona virus i again missed some work ue to my XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I attempted to make a purchase via XXXX XXXX. It was during the review of my credit file that I learned of a freeze via a PIN. I have never ever put a freeze via Transunion  but several years ago, I did prevent access through XXXX. The problem is upon visiting Transunion  website much information is being advertise regarding this PIN. My question is how does Transunion  possess so much power that they can apply PINs without the consumer 's request. And, by doing so, never communicated such information to the consumer. My purchase through XXXX XXXX was hindered because of this PIN. Transunion site does not permit easy access to removal of such PIN without encountering a product that they seek the consumer to purchase.
Product: Credit card or prepaid card

I applied and was approved for the American Express Business Platinum XXXX point offer via a mailing offer for my XXXX XXXX on XX/XX/XXXX. The offer terms dictated that in order to earn the bonus, I must spend $ XXXX in the first 3 months to earn XXXX Membership Rewards and another $ XXXX in the same 3 months to earn an additional XXXX Membership Rewards. I met both terms within the directed time period and was awarded the points. 

I applied and was approved for another American Express XXXX XXXX XXXX point offer via a mailing offer for my XXXX XXXX XXXX on XX/XX/XXXX. The offer terms dictated that in order to earn the bonus, I must spend $ XXXX in the first 3 months to earn XXXX Membership Rewards and another $ XXXX in the same 3 months to earn an additional XXXX Membership Rewards. I meant both terms within the directed time period and was awarded the points. The offer terms are attached. 

At the end of XX/XX/XXXX, American Express conducted a financial review and stated that because I previously had an American Express XXXX XXXX XXXX, I was ineligible for the second and third bonus I was awarded and they redacted the XXXX points I earned. No where in my offer terms for the mailing offers I signed up with did it include a " once in a lifetime '' award term. American Express refuses to review the offer terms I scanned that were included in the mailing offer.
Product: Payday loan, title loan, or personal loan

Since XX/XX/2020, on the MoneyLion app I started their credit builder plus loan. It said I would get a {$150.00} bonus in the mail at the time within a week and never received it. Also, I was charged fees I was not aware of, such as {$9.00} membership fees that were charged twice a month. In addition, I have lost my job in XXXX and havent gotten unemployment so its been difficult trying to figure out how to pay for the loan that is supposedly going to be payed off in the future. However, they are taking long to respond to the issue and have taken 5 days to respond to my email complaint and still said they will have to review it, while I believe I deserve a refund. I am still getting charged {$39.00} dollars twice a month which has brought my account to overdraft
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX illegally repossessed my XXXX XXXX XXXXXXXX that I was current on with payments computer error. The tow company they hired destroyed and totaled out my beloved car which had a new motor replacement for XXXX just before illegal repo and destruction of car. XXXX agreed of this grave mistake and sent me my title and it was agreed upon with XXXX XXXX that my credit would reflect paid off in good standings, which XXXX has been negatively affecting my credit because of the inaccuracy of 90 days late and XXXX balance. XXXX has done this maliciously because, I call weekly to have removed, I disputed multiple times with all three credit bureaus to not have any form of resolution. I am intending to use my consumer protection laws and seek restitution from credit bureaus and also XXXX in lieu of XXXX per each infraction. 15 USC 1681n is the code. I anticipate quick resolution and if any other information is required please feel free to contact. Thank you, XXXX XXXX this has went past 60 days for official response from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$950.00} XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$610.00}
Product: Checking or savings account

I sent a person to person money transfer from my chime account XX/XX/2024, XXXX to XXXX XXXX XXXXXXXX receiver never received the {$140.00}. XXXX had to add the above email to their chime account since it was registered originally using a different email but even after doing so the money was not received. I verified he did in fact receive an email that the money was claimed ( XXXX ) Receiver contacted Chime and after many hours on hold and speaking with Chime agents he was instructed to tell sender ( myself ) that I had to file the dispute since I initiated the transaction. Despite a number of attempts Chime was unable to complete or refused to investigate further.
Product: Prepaid card

I was gifted a Vanilla Visa gift card for the amount of {$100.00} in XX/XX/2023. XX/XX/2023 is when I tried to activate the card and could not as it came up " invalid ''. I then called the phone # on the back of the card and waited for hours to speak to someone who said that the card was used for a purchase of {$99.00} in the state of Colorado  in XXXX of XXXX. This card was not opened until I went to activate it and was never able to activate it. I was never in the state of Colorado  as I live in New Jersey! I then opened a dispute with Incomm in XXXX of XXXX  and was never given updates or any information concerning the dispute as I did request updates. The dispute did not allow me to check online for updates either. It is quite obvious that the card was used fraudulently for one purchase of {$99.00} in an entirely different state. 
The Incomm resolution stated that the card was used in a store for a purchase so therefore they can not refund the card. 
Of course it was, how else would scammers use the card?!? Incomm refuses to be held accountable for this problem with these vanilla  gift cards which seem to happen quite frequently and Incomm does not want to make any correction to fix this problem or reissue a replacement legit gift card. See attached documents for proof of this. Their resolution stated : " Please refer to the cardholder agreement as it relates to disputes. You acknowledge that purchases made with the Gift Card are similar to those made with cash, and you do not have the right to stop payment or lodge a billing dispute on any purchase or payment transaction originated by use of the Gift Card. We can only return funds that we can recover from the merchant. Any issues should be directed to the merchant. '' which is no help to me and is denying the actual complaint and problem!
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my XXXX account was hacked and several payment methods stored in that account on that day were used to make a {$25.00} purchase. Two of the credit card companies flagged and stopped the transaction from occurring, however, PayPal did not. I contacted them when I noticed this occurred. They told me it wasnt an unauthorized transaction and I needed to contact the merchant. The charge only has XXXX name on the charge with no merchant or phone number to contact anyone.
Product: Credit card or prepaid card

I opened an account with Comenity BankXXXX XXXX XXXX XX/XX/XXXX. I have been making payments in store in amounts typically in excess of the minimum due while I was on a differed interest plan. I learned in XXXX 2022 that my account was closed without my knowledge. Since then, the attempts I have made to continue payments are not successful. I have reached out by phone to the number on the back of my card. While on the phone, I get transferred to a so-called debt resolution department which is nothing more than a voicemail box. The account in question is still reporting to my credit reports. It has also come to my attention that there was an inaccurate out of state address that was added to my account since my application was approved according to the XXXX XXXX, IA XXXX XXXX. The call center for Comenity disagrees.
Product: Credit card or prepaid card

I applied for and account through a friend referral. The next day I got my deposit and they immediately suspended my account. The customer service through email doesnt look at the proper documentation. They start off acting helpful and never respond. I have gotten an attorney with a copy of that attached to their email as well, no help. I need my funds.
Product: Debt collection

I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. It is now XX/XX/XXXX. I sent the XXXX XXXX XXXX XXXX and all 3 credit bureaus a copy of my police report, ID Theft Affidavit, ID, and my social security card. The company has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.
Product: Debt collection

Santander Consumer has turned me over for collections when they were supposed to write off the balance