23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

A fraudulent company made an unauthorized charge to my checking account. I submitted all documentation, and Chase ruled in favor of the fraudulent company. There is not a single person behind this company, all AI generated emails so there is no one else who can help me. Chase says it is my fault for being a victim and since I am the victim, I am responsible for paying the charges. They said I can call to talk to someone, unfortunately due to XXXX I am not able to call in to talk to someone. Chase is discriminating against me and assisting the fraudulent company in committing crime. I have reported them to internet crimes already with FBI, and will need to pursue legal action with Chase for discrimination ( only willing to help me if I can by some miracle call their phone number. They will not help me by Chase secure message in the Chase app ). Since I can not talk on the phone, Chase says I must pay all unauthorized charges.
Product: Credit reporting

I HAVE CALLED TRANSUNION JUST ABOUT EVERY MONTH FOR TWO YEARS, AN ACCOUNT FROM XXXX XXXX IN WHICH I AM THE AUTHORIZED USER HAS BEEN DELETED/BLOCKED OFF OF MY CREDIT REPORT FRAUDULENTLY, TRANSUNION STATES CREDITOR REQUESTED REMOVAL, XXXX XXXX HAS CONFIRMED THEY HAVE NOT DONE THIS. TRANSUNION STATED THE ONLY WAY THAT THIS ACCOUNT CAN BE RE-ADDED TO REPORT IS IF CREDITOR BEING XXXX XXXX CALLS A MARKETING NUMBER ALLEDGEDLY XXXX XXXX IS SUPPOSED TO KNOW AND HAVE. TRANSUNION WILL NOT PROVIDE ME WITH THIS NUMBER TO GIVE TO XXXX XXXX, ALL OF XXXX XXXX CORPORATE REPRESENTATIVES HAVE STATED THAT THERE IS NO SUCH NUMBER THAT THEY EVER CALL. IT IS APPARENT TRANSUNION HAS BEEN PROVIDING ME WITH FALSE AND MISLEADING INFORMATION FOR OVER TWO YEARS. THIS HIS HINDERED MY ABILITY TO FAIRLY OBTAIN CREDIT FOR WELL OVER TWO YEARS BY NOT REPORTING THIS POSITIVE ACCOUNT. TRANSUNION HAS ALSO STATED THAT THIS ACCOUNT IS BLOCKED, MEANING THEY CAN SEE XXXX XXXX MONTHLY UPDATES, BUT CAN NOT AND REFUSES TO INSERT THE ACCOUNT BACK ON REPORT. IT IS A FACT THAT IF THIS ACCOUNT SLIPPED INTO A NEGATIVE STANDING NEGATIVELY AFFECTING MY SCORE THE ACCOUNT WOULD BE RE-ADDED BACK TO MY REPORT WITHOUT ANY QUESTION WHICH IS AN UNFAIR PRACTICE AND BIASED. XXXX XXXX HAS PROVIDED AMPLE CONFIRMATION TO HAVE THIS ACCOUNT RE-ADDED TO MY REPORT WITHIN THEIR POWER, TRANSUNION HAS NOT BEEN TRUTHFUL WITH THE MEANS OF PROCESSING. IT IS MY UNDERSTANDING TRANSUNION IS COMPENSATED FOR REPORTING NEGATIVE INFORMATION AND WOULD BE TO THEIR ADVANTAGE TO DO SO. THE ACCOUNT IN QUESTION ENDS IN XXXX. IF TRANSUNION CAN NOT VERIFY XXXX XXXX HAS REQUESTED FOR REMOVAL OF ACCOUNT THEY ARE PRACTICING ILLEGAL METHODS. I CAN OBTAIN CONFIRMATION ON THE PART OF XXXX XXXX PLEASE ADVISE. IT SHOULD BE NOTED THAT I HAVE XXXX OTHER XXXX XXXX ACCOUNTS REFLECTING MY REPORT, IT MAKES NO SENSE FOR XXXX XXXX TO REQUEST REMOVAL WITH A BALANCE ON THIS ACCOUNT. THE ACCOUNT IN QUESTION HAS A HIGHER AVAILABLE CREDIT RATIO WHICH GREATLY IMPROVES MY PERSONAL CREDIT. OTHER CREDIT BUREAUS REPORT THIS ACCOUNT, THEREFORE TRANSUNION HAS NOT BEEN HONEST IN THIS MATTER
Product: Credit reporting, credit repair services, or other personal consumer reports

REGARDING - extension of the student loan repayment pause Due to the economic challenges created by the pandemic, the Biden-Harris Administration has extended the student loan repayment pause a number of times. Because of this, no one with a federally held loan has had to pay a single dollar in loan payments since President Biden took office. 

To ensure a smooth transition to repayment and prevent unnecessary defaults, the Biden-Harris Administration will extend the pause a final time through XX/XX/XXXX, with payments resuming in XX/XX/XXXX. 

HOWEVER - XXXX HAS BEEN HARASSING ME ABOUT LATE PAYMENTS AND INTEREST CHARGES BOTH ON THE PHONE AND IN THE MAIL OVER THE LAST TWO YEARS.

I AM GETTING NEGATIVE NOTICES ON MY CREDIT REPORTING FROM XXXX XXXX ATTACHMENTS BELOW.
Product: Debt collection

I am a filing a complaint for XXXX XXXX XXXX  XXXX and Halsted Financial because Im getting harassed for a debt thats not even mine. I had previously disputed this account with XXXX XXXX XXXX  XXXX and the account was removed from my credit report. Now I keep getting text messages from XXXX saying that XXXX XXXX XXXX is threatening to sue me through Halsted Financial. My consumer protection rights are being violated both XXXX XXXX XXXX  XXXX and Halsted Financial. I have previously complained to XXXX XXXX XXXX  about harassing me over this debt which is illegal for them to do. I have copied and paste the text messages into a PDF document and attached it this Consumer Protection Complaint. Im hoping that you can help stop this harassment and collection of debt thats not even owed. The account was already previously removed from my XXXX, XXXX and XXXX Credit report.
Product: Debt collection

Call me several time thru out the days threatening me I ask to get those phone off my name they refused to turn them off They over charger for phone I turn back in and they was chargering me over for a phone I didnt not have Im notifying the XXXX
Product: Mortgage

I have signed the auction agreement with the lender and they promised the will help to short sale. However, it look like they just want to foreclose my house. I have been complying with their request. The lender forced me to sign all the letter and agreement to list the house with XXXX to avoid foreclosure but end of nobody auctioned the house with their ridiculos price. Then they came back and said the current buyer must counter with higher number. But they cant and lender told us they will foreclose our house. It look like they never respect what they request and help consumer. They discriminated my hardship and being ridiculous on selling price
Product: Debt collection

I received medical treatment from XXXX XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each visit I paid {$100.00} and advised that I would like to set up a payment plan after treatment was complete. The staff was willing to accommodate this request. The remaining billable balance of these three treatments due to XXXX XXXX XXXX XXXX was {$730.00}. I offered to settle the account in lieu of monthly payments for 50 % of the balance ; this offer was accepted and I received a settlement offer via certified mail for {$360.00} to close these three accounts. This payment was to be made by XX/XX/XXXX. The payment was taken from my bank account on XX/XX/XXXX. I requested several times for paid in full letters for the 3 accounts but did not receive them. Two of the three accounts have since been placed with 3rd party collections ( CBCS/XXXX  XXXX XXXX, OH XXXX ). The third is still housed with XXXX XXXX XXXX XXXX. Payment has been acknowledged and applied to only 1 of the 3 accounts that is currently shown as open. XXXX XXXX XXXX XXXX contracts XXXX XXXX XXXX to handle 1st party collections on their behalf. All communication thus far has been with XXXX XXXX XXXX at XXXX.
Product: Prepaid card

I received an Amex XXXX XXXX on XX/XX/XXXX. This includes an email You have received an American Express XXXX XXXX from XXXX. I then clicked the link to validate the card, which loads on XXXX XXXX XXXX XXXX  / and shows a remaining balance of {$310.00}. I had previously been able to make online transactions on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX but the card suddenly stopped working and now all online transactions are declined even when using less than the face value of the card. I most recently was unable to use the card on XXXX on XX/XX/XXXX for a total of {$21.00} ( way under the value of the card ). I have also tried using the card at multiple other online retailers but it is always declined. I am unable to use it in store as this is a digital card which the stores will not accept. 

I have two open case numbers with Amex ( XXXX created on XX/XX/XXXX & XXXX created on XX/XX/XXXX ) but this issue has been on-going for months and they are unable to resolve the issue. Many people have reported having this problem starting this past year.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mistake with credit card close account
Product: Debt collection

I have obtained my credit report and found there accounts I never opened, addresses I never resided, inquiries I never made and even a different variations to my name. I also found this account that I believe not to be mine from LVNV Funding LLC. It is in the amount of {$1400.00}. I am not liable for this debt and I do not have a contract with said company. Police Report and FTC Affidavit are attached with this complaint along with disputes sent to the bureaus. I also filed complaints thru XXXX Please delete this account from my credit report at once.
Product: Credit reporting or other personal consumer reports

I've raised several disputes concerning accounts that aren't mine, but they continue to appear on my credit report. Additionally, I've filed multiple FTC Reports regarding these incorrect accounts. Despite legal obligations, these companies have neglected to address the disputes appropriately. 

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 card or prepaid card

I submitted an online application for a CareCredit Account on XX/XX/XXXX. I was approved the same day. I learned today ( XX/XX/XXXX ) that I have been charged a Card Security Service fee of {$1.00} per {$100.00} of my balance. I contacted CareCredit and was told the service was optional and that I need to call XXXX to cancel the service. I never opted into the plan in the first place. After calling and speaking to XXXX she stated that I opted into the plan online when I completed the application. I did not. There are many complaints to the XXXX  for this same issue. I want a full refund of the charges going back to XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. These items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX  ( Original Creditor : XXXX XXXX CO ) XXXX Balance : {$350.00} ; XXXX XXXX XXXX ACCOUNTS ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$580.00} ; XXXX ( Original XXXX : XXXX XXXX XXXX ) XXXX XXXX XXXX {$140.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XX/XX/XXXX showing on my credit report XXXX I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these inaccurate address, Inaccurate names, inaccurate DOB, Inquiries and accounts as soon as possible.
Product: Money transfer, virtual currency, or money service

Bridgecrest failed to apply requested payments to principal XXXX XXXX XX/XX/XXXX. I was told when an extra payment and I call in to request payments to be applied to principal that Bridgecrest should apply payments as directed and should not be included to interest. All request of these payments were applied strictly to interest no matter the account status ( not behind ). I confirmed information from another agent that these were not applied correctly resulting in account in Dispute and reporting inaccuracies
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act .Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act and Regulation XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations, unfortunately.
Product: Mortgage

Due to the CARES ACT, my loan servicer offered forbearance options, however the law instructed mortgage Servicer 's to suspend reporting past due payments to credit bureaus for COVID specific forbearances. 

Showing my loan in forbearance on my credit report, is in fact reporting my payments are past due.

SLS has reported Account in Forbearance to credit bureaus. This was misleading to me, the consumer when offered. Its important to have all the information as a consumer upfront to make the best decisions for my situation.

This account status is affecting my ability to secure additional funding. To creditors, it appears I am in fact past due There is nothing that distinguishes me being affected by COVID in a forbearance to a normal or customary forbearance plan.
Product: Checking or savings account

I noticed charges on my account, I called Chime, they did a claim to dispute charges, and issued me a new card. They told me the claim was valid and asked me to provide information in the claim. I explained to them that I didnt have information on the claim, and I have never used my Chime Credit Card at the place they authorized. They asked me to do a rebuttal with new evidence. I dont have new or old evidence, how can I have evidence if I never made those charges? 

Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Credit - Unauthorized Transaction Date Error Reported : XXXX Claim Amount : {$360.00} Claim ID : XXXX Dispute Type : Credit - Unauthorized Transaction Date Error Reported : XXXX Claim Amount : {$630.00}
Product: Mortgage

I have a VA home loan serviced by Freedom Mortgage since XXXX. Automatic payment set up through my bank, always on time, no problems until we refinanced with them in XX/XX/XXXX. Then the roller coaster ride began. 
Currently F.M. has requested a supervisor investigate the issue. The issue is a chain of errors starting with their escrow department having us on record as uninsured since XX/XX/XXXX. Our original loan and the refinance documents clearly include an escrow account with F.M. to pay taxes and insurance. Evidence of Insurance was included with the refinance. Mysterious. 
Well the chain continues with subsequent escrow analysis based on incorrect records, then incorrect ( lower ) monthly payments, refund of balance in escrow account, failure to act to ( multiple and timely ) requests from XXXX XXXX to pay the annual premium, a new escrow analysis and a new ( higher ) monthly payment, those same monthly payments held in suspense and not applied, late fees. 
Since Ive dug into this matter a month ago, F.M. has waived the late fees, naturally and applied my payments. Their Customer Care department also want {$2000.00} from me to cushion the mysteriously on-record/off-record escrow account. Their loan officers want me to refinance with them again yet are unable to help me resolve these issues. 
Id like to have an explanation ( a real and true one ) for the vanishing of the escrow account, some renumeration for the time and patience Ive had to employ to educate F.M., investigate the matter and do myself what I actually pay F.M. to do : accurately maintain my loan and escrow account. I dont do this for a living but they do. Beyond all this Id like to trust my Loan servicer to do what they agree to do in the loan agreement. At this time that servicer isnt Freedom Mortgage.
Product: Debt collection

My name is   XXXX   XXXX   and  All this st arted with the nationwide cre dit Inc. I owe  them a total of {$110.00} a month I called on the third and told them that it was going to come back as insufficient funds because I did n't have it this month I Live off my  XXXX  well they did n't inform me that if it was insufficient funds they were going to try again the same month and the first attempts to collect the debt my bank told me that because it was insufficient funds they would take {$30.00} out As a fee what on the seventh they took it out again an d 30 more  dollars was taken out and now I 'm overdrawn {$110.00} because things that should 've gone through could n't go through because they tried to collect second time I called them and explained this to them after I realize the se cond 30 was ta ken out because they could n't get their money and they were quite rude and told me that it was my banks fault I could n't get my money back and that it 's common knowledge that they tak e it out two time s which they never told me that so now they 're making it sound like they do n't want to give me the money they owe me I 've called several times now and every time I talk to somebody at the nationwide credit I get a different answer and they keep telling me that we ca n't give you a timeframe as to when this all be resolved we have no idea it 's just been a lot of headache and they should 've just warned me when I started up the debt collections the first time hey if you do n't have it we 're gon na try again and they never mentioned that they only mentioned it after I said to them how come you took it out a second time this month then they were like oh yeah about that you should just know tha t debt collectors  are going to take it out twice which I was told by another debt collector is n't true he said once it goes insufficient they should 've had the courtesy to call me and tell me hey I did n't get your money and set something else up not just try again which is what I got but they 're pretty rude over at that nationwide credit I really am not thrilled with the service I am getting at all I just want this to be resolved because I was {$110.00} overdrawn and I ca n't afford it and it 's just frustrating that they do n't want to even take the time t o fix it.  XXXX  (  XXXX  )  XXXX  That 's their office number if you want to get a hold of them good luck  I hope this  can be resolved because this is very very frustrating signed a very frustrated  XXXX   XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX account number XXXX claim I made a late payment which in XXXX. I have disputed this twice because they have not been able to provide accurate documentation to prove how much I owed at the time of lateness and which month exactly I was 30 days late. They also report different months of lateness to all 3 credit bureaus as showed in the attached document. They report a follows : Transunion : XX/XX/year> XXXX : XX/XX/year> XXXX : XX/XX/year> XXXX
Product: Checking or savings account

I am outraged at the subpar level of service provided by this financial institution. I have had a hard time dealing with the merchant directly to recover my funds and I thought that the banking institution would assist. The banking institution keeps insisting to hold me liable for a negative balance including funds theyre allowing the merchant to steal. I understand the merchant policy non-reschedulable, non-refundable, etc. HOWEVER, I went to my scheduled appointment and the merchant does acknowledge that I did not receive what I paid for! I am not paying for funds that you have allowed to be stolen, and youre being complicit in that theft. I am further not paying for a maintenance fee on an account that I can no longer use even when my balance is cleared. I will pay {$100.00}, no more that that figure to clear my balance and wash my hands of your disgusting service. I will also move to file a small claim for the amount that youre now complicit in allowing theft to occur. Please consider this your notice of intent to file suit. I will pay the {$100.00} I am offering to clear this balance in full when I receive a phone call acknowledging and accepting this amount of money to resolve the balance in full.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I'm writing to let you know I am a victim of a reported data breach. I noticed certain incorrect personal information, fraudulent accounts and unauthorized inquiries have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. Regrettably, I have become a victim of identity theft and have taken immediate action by reporting the incident.
Product: Mortgage

First off, let me say that Ally has been very accommodating in not taking any action against me while I've tried to work things out with them. 

The reason for the complaint is because Ally is not yet participating in the HAF program in Hawaii, and while it is voluntary on their part, there is no downside to their participation. The Treasury Departments Homeowner 's section regarding the HAF program provided a link to complain if you've been awarded a HAF Grant but your lender is not participating. 

Many months ago I was approved for a HAF grant in Hawaii, but as noted Ally ( and their servicer Ally/XXXX ) are still not participating in the HAF program in Hawaii. Fortunately, they have not turned down participating, but it would help me immensely personally, and I am sure it would help many others if they could make the decision to now participate. 

In speaking with their ( very friendly ) customer service representatives, I can tell you that there has been confusion on how the HAF program works in Hawaii. I've wondered if this may be part of the reason for the delay. 

They've told me things like the grant would have to be repaid ( which is not the case in Hawaii ), that Hawaii would put a lien on my property ( again, not the case ) and they said that I could not be in a Loss Mitigation process and also utilize a HAF grant ( which, from my reading of the HAF term sheet for Hawaii is the opposite of how the program is supposed to work ). 

At this point, I went through a Loss Mitigation process with Ally and was ultimately turned down ( after months and months of submitting and resubmitting the same documentation ). 

I am looking to refinance my home through a private lender. While not ideal, especially under the current interest rates, it may be my best option for addressing my arrears. If Ally were to participate in the HAF program now, I could reduce my principal and make the amount I borrow less costly to me. 

Since HAF is a voluntary process, issuing a complaint seems out of place, but I am following the process offered and perhaps this is all just due to a mistake of not understanding how the program works in my state.
Product: Checking or savings account

My wife and I attempted to open a business account with XXXX XXXX XXXX XXXX XXXX XXXX They did a XXXX back ground check and found that I had a bank account through Bank of America that was negative and closed in XXXX of XXXX. I never opened an account with Bank of America. Not once in my life. So I followed up with Bank of America, they were rude, they provided no help, I filed claim with them after being on the phone well over XXXX hours and they refused to give me any information, or to provide me with the letter needed to give to XXXX for me to be able to open a business account. Bank of America stated it would take 90 days for their " investigation ''. Bank of America has fraudulently opened a bank account in my name and is preventing me from opening a business Bank account in which is costing me money daily. I will be obtaining a lawyer.