23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In late XX/XX/XXXX i signed up for XXXX 's offer of one year free service. Prior to the end of that year of free service ( XX/XX/XXXX ), i ended my service with XXXX and switched to a different carrier.  However, XXXX erroneously charged me for one month of service in the amount of {$120.00}. In XX/XX/XXXX i disputed this charge by sending XXXX a letter to their disputes department using the address published on XXXX 's website. XXXX failed to respond. According to credit law, they had 30 days to respond to my dispute but failed to do so. They have now hired a collection agency called IC System to collect this fraudulent debt. I consider these tactics harassment. 

I have attached the following documents in a ZiP file : ( 1 ) XXXX 's 1 year free service offer ( Free offer details ) ( 2 ) My letter of dispute ( Dispute letter ), ( 3 ) Confirmation that i closed my XXXX service account ( Account closed ), ( 4 ) XXXX 's email invoice from XX/XX/XXXX showing XXXX disregarded my letter ( XXXX - Your XXXX bill is now available online_illegal harassment ), ( 5 ) email from collection agency IC System ( XXXX - Important Personal Message from I.C. System ).
Product: Mortgage

My loan was transferred from Home Pointe and since then I am unable to successfully set up my account through app. It repeatedly tells me my loan was paid off and no loan is on file. I indicate I forgot password as an option but never receive a link or when I do, it indicates no loan on file. It directs me to the website to retrieve my tax statement. I am unable to login and retrieve it. This is completely unacceptable. Mr. Coopers website and customer service is poor and a complete inconvenience to their customers!
Product: Debt collection

An account was closed with PNC bank. Banker closed account and even went as far as to issue me a check for remainder in account. Several weeks I was told I owed them XXXX dollars for something they believed to have come out of the account within XXXX of all agreeing it was closed, I PAID the amount they said was owed ( begrudgingly ) I was told that was it... Since then I have received calls, letters, and more calls regarding the fact I am late on payments to this " debt ''. Each time on a recorded line it has been researched and found that YES DEBT IS PAID and closed with a thank you XXXX XXXXXXXX thank you and we are sorry for the call and this wont happen again. And then a few days later it starts all over. I pay my bills and am up to the point of seeking legal retribution for the harassment and mental anguish this has caused. This matter has gone thru many channels at PNC and still this continues. If a banking institution has this lax of bookkeeping and even after several people thru phone and in person, I personally glad I have moved my banking elsewhere. 
I am tired of the Harassment and possible harm to my credit caused by PNC XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Just want to improve my credit rating by removing the credit dept. These have been on my credit scores for over 15 years or more. Have tried with lawyer but no results!
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I notice 2 charges of XXXX. I notice another change of XXXX on XX/XX/XXXX. A seperate account has been created in the money lion app. My dispute has not been handled and its been almost a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm the consumer, in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following companies : XXXX, XXXX, and Equifax. I have informed the consumer reporting agencies XXXX, XXXX, and Equifax by mail of the specific ac-counts they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ). Block and remove the ac-counts that I have requested to be removed from my consumer credit report
Product: Money transfer, virtual currency, or money service

I went to an Western Union remittance center earlier and I want to send the money and I gave the amount to the cashier. Unfortunately, she overcharged me for the amount what I'm suppose to send to the particular person. And I asked her what I'm suppose to do? since she printed out the receipt that is not the amount what I'm suppose to send so she yelled at me and she said it was the system overwrite that amount. I'm not sure if she's telling the truth I'm sending money all the time with western union and this is the first time I encountered this kind of remittance with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my XXXX credit report and I notice that there are 8 unauthorized inquiries listed on my report. The only one that I am aware of and take responsibility in authorizing would be the XXXX inquiry made on XX/XX/2017 for a personal loan that I currently have with them. The other seven especially the inquiry from XXXX XXXX XXXX XXXX, I did not authorize. With XXXX XXXX XXXX XXXX they could not run my credit with my understanding due to me not having any identification to identify myself. I had forgotten my driver 's license and was refused service when I made them aware of having no ID on hand. XXXX customer service representative had no right to submit my application if it was not complete. XXXX XXXX, Corelogic Credco, and XXXX XXXX are companies that I have never heard of nor would allow them to have access to my personal information such as my social security number to pull any information about me. I did not sign anything from the list of companies I just mentioned.
Product: Credit reporting or other personal consumer reports

They are posting charge offs from XXXX XXXX on my credit report monthly. 15 USC 1681 ( e ) ( b ) : the credit reporting agencies have the responsibility of reporting maximum accuracy to your credit report. They are reporting income to my credit report when they are not allowed to do so. Due to the status being a charge off, it is considered cancelled or forgiven debt by the IRS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I disputed a ch XXXX bankruotcy on my credit file wanting the information in the report to be reportrd accurately and be verified. Equifax had 30 days to do so upon request in the dispute Equifax removed the public record because they could not verify the accuracy of the information. As of XX/XX/XXXX there weas no record of the bankruptcy on my credit file. As of XX/XX/XXXX the information has / reinserted/reappeared on my Equifax credit report stating XXXX XXXX is the furnisher of the public record 3rd party vendor of the public record and not the court. I called Equifax XX/XX/XXXX to dispute this matter of the reinsertion I spoke with XXXX but he told me there is nothing he could do. Also it says on the report the date reorted for the bankruptcy wasXX/XX/XXXX was that the date the inquiry was added or discharge? Again inaccuracies I have a report of XX/XX/XXXX that does not include the bankruptcy on the record and the discharge date for the bankruptcy wasXX/XX/XXXX.I never recieved Certification Of Accuracy with a 5 day notice telling me about the reinsertion. Adding Equifax did not verify the public record with the court or court reporters because the court does not verify or furnish information to the credit bureau. Public record sources must also include individuals name, address, full social security number, and date of birthto improve accuracy by the standards of the National Consumer Assistance Plan. I am requesting this information be deleted for finial resolution
Product: Credit card

i paid a company called XXXX a total of XXXX on XX/XX/2014 i paid XXXX and on XX/XX/2014 i paid XXXX i contacted my bank citi master card and explained the situation with different companies and proved to them i was part of collusion by these companies.i provided citi all the information they requested.i received what i consider a form letter of denial.i sent so much proof of no services rendered there is no way in the short period of time i received my denial letter citi could not have done a thorough investigation on my behalf.i think i deserve better service than that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of identity theft this account has been subjected to fraud. 
.
Product: Credit card or prepaid card

This complaint pertains to ACH payments that were never authorized by myself and I had made clear to Cap One that they should not take 3rd party payments of any type by both phone and by letter that was delivered to Cap One through their secure email system. I have this email and the proof it was sent attached. Capital One did remove all fraud activity but the 2nd application of fraud is the ACH and Over the phone payments that were made by 3rd parties, from accounts that nobody in my family have any relationship with. All of these fraudulent payments were made to attempt, as I believe, to pay down the capital one XXXX ( had a XXXX balance ) and Quicksilver Accounts so that they could " trick '' capital one to allow the accounts to have more of a balance. This worked to a certain level and I called Cap One to remove the fraud, they did, but did not remove the ACH or Call in payments ( Fraud as well that should have been removed when the original fraud was removed since they are related ). This closure is ridiculous with a long-term client who warned the company not to take any 3rd party payments without my vetting in advance. This did not take place and Cap One posted the payments completely against my directive to them that is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the COVID pandemic I applied for XXXX XXXX Mortgage Deferment Program due to the financial uncertainty that may have followed. My first question to the XXXX XXXX Loan Advisor handling COVID related clams was : " Will this program affect my credit scores in the present or future? XXXX XXXX 's response was " No it will not affect the account holders credit scores. 
This is a VA federally backed loan that has been current since XXXX with no missed payments for the record. Fast forward to XX/XX/XXXX when my forbearance was terminated and my account is in good standing with XXXX XXXX. XXXX XXXX has added the comment to all three Credit Bureaus " that the account holders are Paying under a partial or modified payment agreement '' On XXXX XX/XX/XXXX my Expirien credit score dropped 82pts due to this comment. I have verified that with the Expirien they are counting this comment as a major negative delinquency. 
I have reached out to the XXXX XXXX executive resolution team regarding this problem and they have responded explaining that they have reported everything accurately along the lines of the Fair Credit Reporting Act. Please Advise
Product: Credit reporting or other personal consumer reports

To whom it may concern : I recently pulled my reports and noticed you are reporting that my account was charge off and the date of last delinquency is different across bureaus this means this account XXXX XXXX XXXX  XXXX XXXX Because the information being reported by your company and XXXX, XXXX are different, this means the account has not been properly verified. Please delete this account immediately. 
Thank you,
Product: Mortgage

I started a refinance process with Freedom Mortgage on XX/XX/XXXX. They emailed me with instructions to access their website and provide the documents they listed which would be necessary for the process, which we did within 24 hours. Subsequent to that, we received request for something called a XXXX XXXX XXXX from our homeowners association. I contacted my XXXX, was advised we do not have a XXXX XXXX XXXX and to provide our bylaws with an explanation accordingly. I have had multiple discussions via phone and email with various representatives from Freedom Mortgage, including escalating to supervisors and managers. Freedom Mortgage advised me this would have been filed with the city XXXXr county and that it is always needed for the mortgage process. I have been in this house for almost 20 years, and refinanced several times, never have I been asked for this document. I researched XXXX XXXX XXXX and learned that not every association has something exactly called XXXX XXXX XXXX so I contacted my XXXX again and asked for any documentation that was filed with XXXXhe county regarding any restrictions or conditions. I was provided with a signed document filed with the county Declaration of Restrictions & Assessment of Liens ( attached XXXX. Freedom Mortgage representative, XXXX XXXX, advised me on XX/XX/XXXX via the verbal conversation that this was the documentation they needed. Today is XX/XX/XXXX and again I have another rep from Freedom Mort. emailing me asking for XXXX XXXX XXXX in order to close the loan. My concern is 1 ) they never told me up front that they would need this prior to me approving them pulling my credit ; 2 ) I've provided everything my XXXX has ; 3 ) I get a different rep contacting me each time and there is no coordination with the team therefore have to start over every time ; 4 ) they pulled my credit, per my authorization, and now my score has decreased because we haven't closed yet and 5 ) They currently hold my mortgage and have for several years so why are they asking me for this now?. They were not clear that this would be needed otherwise I would not have proceeded since my XXXX doesn't have this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Student loan

In XX/XX/2019, the CFPB reached a settlement with XXXX XXXX that discharged about {$160.00} XXXX in private student loans. In XX/XX/2019, the CFPB reached an additional settlement, including a judgment against XXXX XXXX for {$60.00} XXXX and an injunction that prohibited XXXX XXXX from offering student loans ever again I feel like Im should get mine discharged also. I am a single mom and paying almost {$200.00} a month in this. Navient is very unreasonable and I also feel like its not fair that I have to for a private loan when the school was closed due to fraud. This very unfair. Please help me get this discharged.
Product: Credit reporting or other personal consumer reports

I contacted every company that did an unauthorized hard inquiry on my credit reports Experian, XXXX and XXXX. Each one of them said that i need to contact the credit bureaus and dispute the information. I did opened a dispute with Experian, XXXX, XXXX more than a month ago and the unauthorized information is still showing on my report as of today XX/XX/year>. 


Also a medical collection account has been reporting on my experian credit file more than 7 years violating the terms of the fair credit reporting act.
Product: Mortgage

Our home in XXXX, New Jersey has been in our family for over 60 years. Due to misrepresentations and unethical behavior by XXXX, XXXX and now Wells Fargo, we are in danger of losing our home to foreclosure sale. I have tried to resolve this problem directly with my lender Wells Fargo but ca n't seem to cut through the red tape and need help to hold them accountable. My name is XXXX, I am the son of XXXX and the legal and rightful heir to the property. 
My father XXXX was coerced into refinancing our home in 2006 by the agents at XXXX, even though we were close to having the house paid off. He was not aware that this was a predatory option ARM loan with a payment and rate that would continually increase as well eventually recast and double the monthly payment. He was a senior citizen at the time of origination and I definitely feel that he was taken advantage of. My father passed away not long after taking out that loan, and I took over on this loan because I am the rightful heir and lived in the house. Due to the fact that I had several XXXX and was on fixed income I was struggling to make the mortgage payment. I contacted the people at XXXX ( holder of the loan at that time ) at that time to request that I be reviewed for a loan modification. They told me that they could not help me unless I was delinquent on this loan. I believed them and missed several payments with the expectation that I would receive a modification. However, that was not the case. When I tried to resume making my monthly mortgage payment I was told that they would not accept my monthly payment, that I would have to pay all of the missed payments at once. This was DEFINITELY not what had been promised by the representative from Wachovia. 

I have tried to move forward and be reviewed for various programs so that I can save my home. I try and get the process started, but Wells Fargo always finds a reason to stop or postpone the review. They have claimed that since I am not the borrower on the loan that they ca n't modify this loan. However, I am the rightful heir to the property, I live in the property and the mortgage statement lists me as the executor of the Estate of XXXX. When I send this paperwork in to show Wells Fargo they continually misplace it or invent excuses as to how or why they ca n't help me. It is beyond frustrating. They are now setting foreclosure sale dates. I receive fixed income and have a renter as well and I have sufficient income to make a fair payment. However, Wells Fargo has dragged this on for a long time so I am very behind on the loan. As the rightful owner of this property Wells Fargo should have to review me for programs that would let me fix this problem, but they have never done so. If the agents at Wachovia had not misled me and told me to miss payments when I was struggling I would not be in this situation and feel that Wells should work with me to fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I faxed XXXX a copy all my identifying information along with an FTC report. Explain I did not consent not authorize nor benefit from any of the following inquires or accounts. I am alleging that a person or company- without my authorization or consent - used my personal identifying information to apply for good, services, or money, and, was successful in creating some accounts.
Product: Credit card or prepaid card

I have a TD bank Visa. On XX/XX/2020 I was charged XXXX for a purchase at XXXX XXXX - a coffee shop- at the XXXX XXXX. I was not at the airport that day and did not make any purchase at this establishment. TD bank insists that I did, but as of today ( XX/XX/2020 ) has not been able to tell me what I allegedly bought. This charge on my account is either fraud or a mistake in processing by TD bank. 

TD bank says that they conducted an investigation, but can not provide me with a receipt that details the {$160.00} charge. Additionally, they are charging me interest and late payment fees on the disputed charge.
Product: Checking or savings account

I contacted this institution to dispute transactions and I explained that because of these transactions I have less than a dollar to my name and I requested that I receive an expedited temporary credit to my account so that I could live as I can not live on {$0.00}. 

Instead of assistance I was laughed at by a rude, uneducated, illegally hired foreign representative who basically said too bad I dont care I am sitting on this for over a week. 

Upon being informed that their refusal to comply with my request would result in a federal complaint, Chime continues to refuse to comply and sit on money that I desperately need.
Product: Checking or savings account

I end up applying for a loan last week an didnt know that they never accurate i filled out the information online when they was Required it was at work last week and gotten a phone call from my bank stating to come in an change my routing an account number I didnt ask questions why they said they think something was going so I left work last week an did that well the week later I gotten a phone call yesterday from my car insurance company saying that their was a payment rejected an I was asking how am they pulled my profile up I told them my payments are auto take out then thats when I went into my bank after I left work early to find out what was going on I never gave anybody the consent to do anything or near I Authorize it I never filled a claim back on none of my payments or anything they just received my payments back an released it to the wrong people an didnt call me or nothing they didnt even tell me this last week when I was in the back so now these payment people want they money the bank should give them back that money they gave out to the wrong people I shouldnt have to repay back the money that I already dished out I kept asking the lady at the bank for the print out she gave me everything but the paper that had the Evidence on kept telling me that the printer wouldnt print that paper out I was asking her over an over I need that paper she act like she couldnt print it I said give me that paper that I ask for please she finally gave it to me after I had told her that XXXX getting the news people an a lawyer involved thats when she looked at me an went to reprint it to give to me
Product: Debt collection

In XXXX, I opened a double cash credit card with XXXX. This card with a maximum limit of XXXX was closed by XXXX on XX/XX/XXXX ( see attachment for proof ). I made a payment of XXXX to the card on XX/XX/XXXX and XXXX ( full balance ) on XX/XX/XXXX. Please see attachments for proof of closure, proof of payment of XXXX card by XXXX XXXX CHECKING XXXX for Statement Period : XX/XX/XXXX to XX/XX/XXXX. 

I was not aware of the card closure until AFTER the payments were made in XXXX, and attempted to contact XXXX in XXXX via email to ask them why they would close my accounts when they were fully paid off and why they were continuing to try to collect monthly payments from me when they were the ones who closed the account. They never responded. 

After this, XXXX continued to charge my checking account for hundreds of dollars a month through the end of XXXX ( see screenshot of charges from XXXX ) despite full payment of the card in XX/XX/XXXX AND XXXX CLOSING the card and account in XXXX of XXXX. Now, I'm receiving debt collection notices for $ XXXX. The total charges by XXXX on my checking account after the card was fully paid amounts to {$2800.00}.