23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I payed a full amount on my concora credit card and had a pay off letter and the account was closed so I thought they wouldnt charge me no more couple months later I received a email saying I own XXXX $ out of no where and called and they said thats were late fees and what I owe them but I told them I payed it off to XXXX but they still wan na charge me instead of solving the problem
Product: Mortgage

Without my knowledge prior to it happening our mortgage was sold and is no longer under federal backing ( XXXX XXXX or XXXX XXXX ). I didnt know this had taken place until I tried to get help because of Covid! When I called Fayeservicing told me they couldnt help me because 1 ) I missed the deadline this was XX/XX/XXXX! 2 ) I wasnt backed by XXXX XXXX any longer! When I asked them to tell me when this took place they refused! I said I didnt give permission for them to take the XXXX  XXXX backing away and they informed it was one of the lines I initialed when we refinanced! I would never have initialed giving my permission knowingly because I liked knowing we were backed by Federal government! This needs to be clearly stated! 
Next complaint : we have filed twice to get loan assistance and were told we dont make enough money to get approval! Exactly why we asked for help! We have been paying on this loan since XXXX! When I called about a week and a half ago XX/XX/XXXX to see what had happened that is when I was informed we werent eligible! She told me we could still make payment arrangements so not to worry! I told her I didnt know how because we didnt enough money to pay one I didnt know how to send extra! I told her I did currently have enough for one payment and she asked me how saying something about me not reporting all my income! I told her my daughter gave me money! She didnt accept the money! I wouldnt be behind 3 payments if she would have! Last Friday I found out that my husband would likely be eligible for XXXX so this gave me hope I could make the payment with extra! So today XX/XX/XXXX I talked to XXXX I told him I was calling to make payment arrangements! XXXX told me I couldnt because it was too late! No one in my previous conversations told me about a deadline! Non of my letters have a deadline or even the suggestion that we could make payment arrangements! How am I supposed to know? There is nothing fair about how this company does business! I have asked on multiple occasions was there any assistance for veterans because my husband is a veteran! They said no! I told them I am XXXX since XX/XX/XXXX partially Covid related, nothing they can do! So because we are not backed by HUD they wont help us! I asked if I could make one payment because the we wouldnt be behind 90 days and would be eligible to make payment arrangements! XXXX refused to accept anything except for 3 full payments which would be {$2000.00}. So now we go into foreclosure because they refuse to do anything to help us at all! Next, I asked them to send the demand letter and eligibility letter certified mail and XXXX said they dont do that! I was complaining about not getting them!
Product: Debt collection

I denied the XXXX  and XXXX  services but was provided anyway without any explanation. I was also told I would not need to pay anything but the business that called the XXXX  would take care of it because it was their responsibility to do so. 
Also, I have got the hospital 's approval for the charge taken care of under their financial assistance program.
Product: Mortgage

- we entered in forbearance in XXXX of XXXX with Loan Care -we have remained in contact Monthly for the entire period of our forbearance and was told numerous times that a deferment was possible and our best option when coming out of forbearence. 
- we exited forbearance recently and was told that someone from the company would reach out to complete the deferemememt process. 
-instead, they called telling us that we better sign up for their 40 year loan modification or else they would start the foreclosure process on us. 
-we explained that this was never explained to us and that we were waiting for deferment paperwork, the lady told us that the maximum deferment approved was 18 months and that if we wanted to remain eligible we must submit a payment and back date it for XX/XX/2020. We provided payment and she said that the deferment was approved. 
-several weeks went by and we have heard nothing, I called in again yesterday and told that it was still under review but that I would need to make an additional payment and back date it for XX/XX/2020, which I did yesterday. I was told they sent an email and that it would all be settled today with my deferment. 
- I called today to follow up and after being transferred around for 2.5 hours a woman got on the phone and said Im never getting a deferment and that she was sorry that I was promised that numerous times before. She threatened to turn on 40 year modification paperwork or she would foreclose our home. 
-at this point I have made 2 full payments out of forbearance and trying my hardest to call daily and get this resolved. I want a deferment of payments as promised and planned and to remain my normal monthly payments without my credit being destroyed.
Product: Money transfer, virtual currency, or money service

Around XX/XX/XXXX I started dating a person who totally took advantage of me, only got close to me to have access to all my personal belongings and information etcetera etcetera. 
First incident occured wen he misled me n took about XXXX cash from me to use to purchase a car from his friend that works at a tow yard, he bought a car but never gave me access, and tries to make me believe a story that's different from what was originally agreed upon, so meanwhile had no access to car, less funds he brakes my phone, making it impossible for me to access financial information like 2 step verification to access these accounts, I then forgot my broken phone in his car, which I let him know I need in order to answer a verification code call that I can answer n press whatever numeric key they asking me to press, if I'm able to guess the position of the keys on my backed out cracked screen, anyway he then I'm guessing took it in to his own XXXX to log in from dif dev, wait for verification call, n successfully using the info I gave him regarding accessing phone with broken screen, so then wen I finally got a replacement device I noticed XXXX XXXX dollars missing as well as some uathoeized transactiona, I confronted him about it he totally denied it, but that was red flag number 1, then he stole a truck I bought off of my friend that I was hiding in garage for that specific reason, then truck was gone he was gone n in the middle of it all an acquaintance stopped by, I was in the midst of looking for a vehicle since I had just received a check from insurance for a car accident that occured back in XX/XX/XXXX, I then found a car, n wasn't able to withdraw all funds at once so I let an acquaintance play with my phone as he seems to be genuinely interested in helping me find a solution, but Instead he send over funds to his cash app I demanded my funds back n asked him why he did that n said he didn't know how to read or write n that it was an accident, didn't get funds back tried reaching out to cash app XXXX XXXX n denied my claim for both disputes of unsthotized fraudulent activity going on during those really hard times
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, I discovered a concerning item that has raised significant concerns. My credit report shows a collection from your agency, and I want to express my deep distress as I was never notified about this matter. Additionally, I strongly believe that this debt is inaccurate. I have taken the time to familiarize myself with US laws, specifically the Fair Debt Collection Practices Act ( FDCPA ), which grants me the right to request and receive debt validation. In accordance with this law, I am formally requesting that you provide me with the necessary validation for this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have documentation from US BANK on an agreed payout amount. I finalized this payment in XXXX and they are still saying I owe {$6100.00} as of XX/XX/2021. I a have the agreed document and a ledger of all my payments. This account XXXX is still active when i go into USbank and its not correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft, yet I am having a hard time getting the CRA 's to honor my dispute. My FTC ID Theft Affidavit attached. Please block the Fraudulent accounts listed to the attached, per 605B of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was initiated over 12 years ago and they created a new date and I can't explain how they were allowed to do that.
Product: Student loan

To whom it may concern, I have been trying to get a refund from my student loan servicing, Fedloan Servicing, but they told me that they have transferred my loan through XXXX sometime in XXXX of XXXX. 

Initially, Fedloan Servicing told me to try ang get my money from XXXX but XXXX told me that since it was a paid off loan that I need to get it from Fedloan Servicing. 

Unfortunately, neither of the servicing have given me a concrete answer as to what steps to take to get my refund nor if my student loan is being processed for refund or not. 

Per CARES Act, I am requesting my XX/XX/XXXX through XX/XX/XXXX ( last payment made ) be refunded. 

Ultimately, the goal is to have my student loan refunded and be forgiven per Biden 's one-time student loan cancellation. 

Thank you for your time. Attached is the email conversations between me and the servicing.
Product: Credit card or prepaid card

On XX/XX/2018 my XXXX  credit card was fraudulently charged three amounts {$330.00}, {$330.00}, {$100.00} I opened a disputed against a fraudster company XXXX  that tried to defraud me and after some time the fraud department of Capitalone.com refunded two charges of {$100.00} and {$330.00} closing dispute in my favor but for some unknown reason rewarded the third charge of {$330.00} to the fraudulent company XXXX and closed the case without an appeal. By doing this Capitalone.com sided with fraudulent company and assisted in defrauding my account by {$33.00}. I called multiple times to XXXX  asking to review the case and reopen the dispute but to no avail.
Product: Credit card or prepaid card

I placed and order with XXXX XXXX using Klarna as a payment method. For some reason, there was an error during processing. As a result the Tickets were never fully processed, in working with XXXX XXXX they ended up voiding the tickets. I then sent proof of the voided tickets AND my communication with XXXX XXXX to Klarna. They informed me that I need to open a dispute. So i did and again provided them the Void tickets and communication with XXXX. 

Klarna then closed the dispute because i did not respond, " as they assumed i was able to resolve it with XXXX '' .... however i did resolve it with XXXX XXXX  but Klarna is still showing that i owe the full amount. Simply not true, nor did they ever try and ask XXXX I have emailed, called and used there Chat feature. NO ONE HAS REACHED OUT TO ME FROM KLARNA...
Product: Checking or savings account

On XX/XX/2020, HSBC approved my application for a Premier checking account. Application ID XXXX. This application was completed from HSBCs promotional landing page for the 3 % Cash Bonus offer ( screenshot attached ).

The promotion was to pay up to {$100.00} per month, for 6 months, provided minimum deposits were met. 

Following this application, I complied with all terms of the offer, including funding levels to meet the offer terms. 

I initially contacted HSBC on XX/XX/XXXX to confirm that the promotion had been successfully applied to the account. They started an internal investigation. After repeated inquiries, they state their marketing system did not correctly attribute my application to the promotion. I reiterated that the application was submitted from the appropriate page. They declined to honor the promotion.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has 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 accounts that are reporting on my Credit Reports : XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

Before this call I had went to deposit a total of {$200.00} into my account by tappi g my card since the card reader wasn't working. Later on XXXX, 2023 in the afternoon I received a call from this chase branch XXXX stating someone was trying to do fraud and they were calling to prevent it from happening they said they were going to text my phone number a pin to lock my account and mail out a new card so I read them the pin back they texted. A few minutes after I started seeing money being withdrawn from my account which added to a total of XXXX dollars. After that I rushed over to my chase branch and spoke to the manager and they helped me lock my account and file a claim. The next day I checked my account to see if I had gotten the temporary credit but it resulted they withdrew more money to a total of XXXX dollars on XXXX XXXX2023. I went back to my chase branch and they helped me do another claim. A few days later I checked on my claim and they were both closed saying there was not enough evidence to give me my money back. When I checked my account for those withdrawals they did it showed they had been done through the same ATM where I had deposited money that same morning. So all the withdrawals presented on my account were from the same ATM I deposited my money. I don't understand how there was not enough information if they checked their cameras they should of seen I was never at the ATM withdrawaling those amounts. At first they said I was getting my money back so I was very confident waiting even waiting for the temporary credit. Even the manager at the branch said they were going to help to get my money back and nothing. I felt very mislead by the fact they kept making it seem I was going to get my money back and they were going to check the cameras and reopen a new claim which they never did.
Product: Mortgage

I brought my home with an FHA loan in XX/XX/2016.

My taxes are supposed to be paid through my escrow account.

I have made all required mortgage payments and was never delinquent.

It turns out the mortgage company was paying taxes to an incorrect parcel number for this entire time.

The correct county never received any tax payments because the parcel number that was being paid was in a different county.

The mortgage company is now demanding that I pay the delinquent taxes and all the fees.

I don't feel I should be liable for this since I was making all the required payments and I was told that my taxes were payed through escrow.

The escrow company has tripled my mortgage payments to recover the $ XXXX that was delinquent.

I can not pay this and I am afraid they will take my home.

If nothing else they should try to work with me to resolve this in a reasonable way instead of increasing my mortgage payments to such an unreasonable amount. from XXXX to now XXXX This doesn't seem fair and cant be right.

Please help
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA this creditor has violated my rights under 15 USC 1681 section 604 a section 2, a Consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX, Equifax and XXXX never received my verbal, non-verbal, written, implied or otherwise, consent to furnish this information. Under 15 USCS 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Payday loan, title loan, or personal loan

The loan is thru XXXX XXXX and UAS. 

The company sent letters saying the payment was 60 days behind and was not. 

They then deducted 2x the monthly payment without authorization. 

The rep told me the took the payment for the following month too. I told her this is unacceptable and she said it would take 45 to 60 days to reverse. 

They would not reverse the charge even though it's the holidays. Besides effecting my holidays, I will likely fall behind on other payments as well. 

I reported this 8 days ago and was assured they would address the issue immediately. I followed up on 3 days ago and they seemed to have no information on my initial call. Now their response today was " we haven't heard from our accounting department yet ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is past the 7 year mark of expiration on my credit report. It was opened XX/XX/XXXX and should of been removed on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and I observed that ALLY FINANCIAL are reporting late payments to all the major credit bureaus, XXXX, XXXX, & XXXX. This negative reporting has had a severe damage on my XXXX XXXX & credit worthiness. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I don't recall making late payments and I am requesting that ALLY FINANCIAL provide my physical proof that the alleged payments were in fact late as being reported.
Product: Debt collection

My wife received an invoice for ambulatory services ( in a name spelling close to her maiden name, a name that was legally changed to " XXXX '' nearly 10 years ago ) that was issued in the state of Georgia on XX/XX/XXXX for the amount of {$1400.00}. My wife has never been in an ambulance nor visited the state of Georgia. We called upon receiving the invoice to the company listed there in and notified them in these regards. We were told then that it would be investigated and if further information was needed that we would be contacted on the matter.

The ambulatory service ( issuer of invoice ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX invoice send date XX/XX/XXXX TodayXX/XX/XXXX XXXX XXXX PST I received a phone call from : Professional Bureau of Collections Maryland ( XXXX ) XXXX.

In which the collector notified me that there indeed was a collection against my wife for the services ( never received by her ) listed above. I explained the situation to the representative exactly as stated above that my wife had neither ever been in an ambulance or to the state of Georgia. To which she replied that further actions would be taken against us regardless of claims made by us.

I called the number listed on the invoice promptly moments after and explained again the situation at hand and was informed by their representative " XXXX '' that she would have her supervisor investigate the matter further and contact me directly if any additional information was needed.

Company affiliated with the company issuing the invoice : XXXX XXXX XXXX ( XXXX ) XXXX.

While on the phone to XXXX XXXX XXXX  I received another phone " robo call '' " unknown debt collector '' that merely stated to call the listed number below because legal actions were pending against me.

( XXXX  ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. However, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the TransUnion end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiry listed below : XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to determine what the charge is for ... I don't remember having accounts with these companies..I contacted Equifax, but until now I did not receive a response..CFPB please take care of this concern and have the accounts removed from my credit report XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX XXXX XXXX  Account XXXX XXXX Amount {$0.00} This account is showing on my credit report incorrect and inaccurate with Equifax . This account was open in 2014 and paid/close in 2014. I have sent certified letters to Equifax 3 times to remove this account due to inaccurate information and to provide me with proof. They continues to update this account and say it has been verified, but yet to provided me with any documentation. I have also provided Equifax with screenshot of my credit report and highlighting each individual line item with comment that was incorrect, in which I would provide the screenshot in this email also.
Product: Credit reporting or other personal consumer reports

Since 2018, I have filed disputes to request the removal of a XXXX on my credit report. The responses has been ignored and have not been address by Experian. This has became detrimental in me securing employment and housing. I am enable to rent a dwelling and ascertain full-time employment.
Product: Credit reporting

Equifax fails to remove the XXXX XXXX XXXX account. Equifax reports incorrectly that XXXX XXXX XXXX is the owner of this account. Equifax reports incorrectly that this account has a balance {$7700.00}. Equifax reports incorrectly this account 's date of first delinquency. Equifax continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian and XXXX credit bureaus is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked experian to validate and verify my signature or letter of consent to have these inquiries done and none was produced. I would like the inquiries originally name in my original complaint deleted.
Product: Credit reporting or other personal consumer reports

Transunion is the only credit bureau reporting an allege repossession from XXXX XXXX. I am requesting validation of this account. I have not received any information to view for this account.