23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

These Companies had no authorization for my credir to be ran and do not recognize any of these inquires
Product: Debt collection

XXXX XXXX this debt on XX/XX/2020 amount of {$5500.00} granted removal of this debt reporting on my credit report this bankruptcy is effecting me im requesting to remove this debt off.
Product: Payday loan, title loan, or personal loan

UPGRADE ( see attached file ) sent me an advertising flier stating that I had been PRE-APPROVED for a {$10000.00} line of credit after careful consideration of the information contained in my credit report. Therefore I applied since I had just received my DOT and XXXX numbers for XXXX XXXX XXXX and figured a line of credit may come in handy. Well, as it turned out I was DENIED for lack of a willing lender, after being PRE-APPROVED. I contacted the company UPGRADE and they explained the PRE APPROVED line of credit was a pre-approval to apply. I explained I did not need permission to apply anywhere, I was free to apply anywhere. I explained I felt their claim of PRE-APPROVAL was an intentional fraud to obtain my personal information and therefore asked them to honor their preapproved offer. They refused. Therefore I lodge this complaint.
Product: Credit card or prepaid card

sent a XXXX or payment that was not shown on my statement not card ending in # XXXX card ending in XXXX is at issue
Product: Credit card

Issue Description : I am filing a complaint against Chase Bank regarding a {$40.00} interest charge on my credit card account due to the expiration of a balance transfer offer. I did not receive any notification of the expiration date, such as an email or text message, as I believe is required for such significant account changes. 

The lack of notification prevented me from taking timely action to avoid the interest charge. Had I been properly informed, I would have paid off the balance or made alternative arrangements before the offer expired. Instead, I was unaware of the deadline and was unfairly charged {$40.00} in interest. 

Steps I Have Taken : I contacted Chases customer service to dispute the charge and requested a refund. However, my request was denied. 
I escalated the issue to their dispute resolution department, but the outcome remained unchanged. 
Why I Am Filing This Complaint : I believe Chase failed to fulfill its responsibility to notify me of important changes to my account terms, resulting in an unwarranted charge. This is both unfair and contrary to good customer service practices. 


Supporting Information : Amount Disputed : {$40.00} Date of Charge : XXXX Chase Account Details : [ XXXX ] Prior Communication : I have communicated with Chase customer service and dispute resolution without success.
Product: Student loan

I filed my Employment Certification form for the Public Service Student Loan Forgiveness program, checking the box that states I am unable to obtain signatures from my previous employers. I faxed my materials with a letter explaining that I work for a foundation in a role that manages grants made directly to my former employer, creating an unethical conflict of interest if I were to request my former boss to sign a document that impacts my personal finances. This could create a power dynamic or be seen as an emolument because I make funding decisions regarding their organization, and this request could be seen as a favor that could weaken the professional integrity of my role. I expected to supply pay stubs to confirm my employment with this agency, but two separate communications with the agency say I am unable to do this, which seems wrong. 

Secondly, I was a XXXX member, working full-time as a salaried XXXX but not making monthly payments toward my federal loans because I was in XXXX and on deferment due to XXXX service. The XXXX awards I earned through this program are eligible to be considered qualifying payments toward the XXXX needed to meet criteria for loan forgiveness. But since I was an employee of the school, not of XXXX, I was told over the phone that I could not claim these awards as qualifying payments, which also seems incorrect. My phone connection was disconnected, no attempt was made to reach me, despite them requesting my contact information at the beginning of the call. I submitted an electronic request for assistance as well, and it has been XXXX days with no response. 
Thirdly, it seems very unfair that no matter how much my total XXXX awards amount to ( I received XXXX full awards ), I am only eligible to qualify for a maximum of 12 months of qualifying monthly payments, even if the awards would amount to more than 12 months of payments. This, coupled with the fact that I am unable to apply for loan forgiveness until after the 120th qualifying payment, and must remain employed at a nonprofit or qualifying employer until the forgiveness is actually processed, and there is no stated timeline for how long that may take on the documentation I 've reviewed, appears designed to minimize the value of this program that has been touted to me as a benefit and has been the basis of my debt reduction strategy for years ( I am paying lower-interest private loans first because they will not be forgiven ). 
Finally, I am recently married, and therefore my Income Driven Repayment Plan payments are now at their max, the same as a 10 year repayment plan would be because we are a dual-income household. But this does n't account for the private student loans I am also paying. Altogether, these amount to 20 % of my gross pay. And the student loan interest deduction credit I claim is XXXX per household, not individual, so my wife and I effectively forego {$2500.00} of tax deductions by nature of us being married rather than single.
Product: Money transfer, virtual currency, or money service

Purchased tickets through a private sale. Tickets were transferred to me via XXXX, I paid for them through XXXX. Once tickets were paid for the seller voided the tickets and disappeared. 
Seller info is XXXX XXXX email : XXXX phone number XXXX Transactions through wells fargo. I called them within two hours of these transactions, I had paid for one ticket at a time. They claim that it is not secure and you shouldn't use it unless you are family or friends with the person you are sending money to, even though on their very own website they claim it is secure. 

I feel wells fargo is being fradulent in that they refuse to refund me the funds back. 

I have all of the emails from XXXX and wells fargo regarding the transactions and can forward them to the necessary individuals.
Product: Vehicle loan or lease

The company name is challenge financial services my car was towed and I called the financial services so they would take the car out I didnt have money to pay back so thy took the car I didnt have the car then they wanted me to pay back a balance of {$2500.00} I was not making enough money to pay back so I didnt pay it back this was back XX/XX/2008 and now Im on XXXX and they are going to garnished my XXXX check and I can not afford to pay my bills and now is worse with the garnished of my check
Product: Mortgage

Shellpoint Servicer / XXXX XXXX XXXX XXXX : Denied not enough income 130 % Debt to Income -- For three Months my application has been in and Countless Times re-sending- They wanted me to Break my self employed income away from my Long Term Rental income- LESS {$2800.00} in income -- so the Over All Income would not work - that is WRONG.
Product: Checking or savings account

XXXX check stolen, washed and cashed. Not sure when There is no time stamp. Truist denied reimbursement of monies stating time framework on XX/XX/year>. Truist case number is XXXX. My business office continued to work with Truist to no avail. Police report with XXXX Police Department started on XX/XX/year> XXXX assigned. Nothing resolved and Truist continues to deny reimbursement. I have copies of everything. Amount of check is XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX # XXXX, has been sending me letters about an old accoun that they're stating is past due. I have never did business with this company period. This old account was paid off by myself by a pay day loan company called CHECK INTO CASH of XXXX Alabama, over 5 years ago and it was fully paid off. But at some point my name and account was SOLD to XXXX XXXX XXXX XXXX, and It should not have been sold at all because my loan was paid in full to the manager at that time, XXXX. I remember the person so well because she called corporate she said, and asked if they would accept a settlement pay off since I had paid on the original {$300.00} loan for over a year and one half. XXXX advised me that corporate approved a certain amount for me to pay, and I paid it that day. I never applied again for another loan from CHECK INTO CASH. So, I do NOT OWE XXXX XXXX XXXX ANYTHING.
Product: Credit reporting or other personal consumer reports

I am not able to give you exact dates, balances or creditors at this time because I can not get access any if the 3 credit bureaus. I have been disputing approximately 12 accounts that were opened with my name and social security number for approximately 11 years. I have paid for identity theft, I have proof that my social security number was part of a data breach and these accounts are on all 3 credit reports as charge offs with my name and social security number
Product: Credit card or prepaid card

My APR went from 17.24 % XXXX of XXXX to 30.15 %. At this rate i made payments up to XXXX of XXXX with that hi APR. Since then I have been trying to change the rate by either thru Calling there main office or writing via E-mail and XXXX. 
Then i stopped paying which in turn they Destroyed my credit score. I am talking to Deaf ears..they just want the money and in 6 months they say they will review my credit again.. 

Originally this dispute started when my credit card invoice would come to my house and the due date would be the following week, which by the time they received it i would hit with late fees.. after the 3rd one the APR jumped to 30 % ..i have been calling them almost ones a week and being on hold and talking with them for Hrs.. 

I need to straighten this out because it has destroyed my credit ... all my cards, mortage etc etc have always been paid on time ..
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX**** ... XXXX XXXX XXXX**** ... ONEMAIN XXXX**** that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a dispute with experian. They were not correctly reflecting the balances on my credit cards making it appear that I had high balances on my cards ... they fixed the error on 2 of my XXXX  cards but completely deleted one of my XXXX  cards with a limit of XXXX and a balance of {$0.00}. I uploaded the statement of the credit card along with a note explaining the error and disputed twice but still my card is gone from my report. my score is affected as it has lowered my available credit and increaded my debt ratio. I would like my XXXX  card put back on my account with balance updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Before I begin, I want to be clear that I am not requesting a " pay-for-delete. '' I am arguing that I was never responsible for the balance that they reported to all three credit bureaus. 

Back in XXXXXXXX XXXX XXXX, I had reached out to XXXX Bank in regard to some auto pay items charging my account, in which I was not actively monitoring because I had an alternative bank account. These XXXX auto pay debits totaled {$19.00}, but resulted in {$64.00} in overdraft fees. I had a friend give me {$19.00} so I could give XXXX their money back. 

When I reached out to their customer service explaining that I was unemployed and could not possibly pay the predatory charges, they said they can automatically waive one charge, but for the additional charge they'll have to escalate the issue. Once everything was resolved, my account would have to be closed though. I said that's perfectly fine because I am not even using it. 

The daily overdraft fee continued to be charged for over a month, including on the XXXX when I went hungry because my XXXX money was accidentally deposited into the overdraft fee cursed account. At that time, I reached out to them again and they said they were resolving the fees as we discussed. 

When the account was eventually closed, I had assumed they finally resolved everything. There was NO communication telling me my account was going into collections. Yes, my address had since changed, but my family still lived there, and I was never told I received mail from them either. 

Fast forward to XXXX of this year when I paid the past due balance, the only reason I paid it was because I got a great job, so I had to get a local checking account because I did not want to deposit XXXX checks into an online bank account. I was not paying them because I agreed with the balance and wanted a pay-for-delete, I was paying them so I could get another checking account. Every time I go into their branch about the problem, they just say they don't do pay-for-deletes, but that's literally not what requesting. I was supposed to never have been responsible for the balance, which was entirely XXXX bank electronically generated fees. 

I will attach a file explaining what I meant by being charged overdraft fees only because of the initial overdraft fee as well as the official statements they provided to me.
Product: Mortgage

I was forced under personal cirumstances to file chapter XXXX bankrupcy in XX/XX/XXXX. I continuedto live at my house awaiting a foreclosure notice, which has as of this day has not happened. 
I vacated the house in XX/XX/XXXX. I continue to receive complaints from the county about propertymaintenance. I have contacted the loan co., but all they want to talk about is me making an offeron the amount of loan. There were some irs liens on the property. I just wish to get the property out of my name.
Product: Prepaid card

I bought a {$50.00} American Express gift card from XXXX. Tried to use it and every transaction keeps getting declined. I tried to use it on XXXX, pay towards my internet bill, pay towards electric bill, and XXXX 2 more times. I called the number on the card and no option to get a customer service representative. I log in to check the balance and it says the card is active but it has now taken XXXX cents for every declined transaction. So now it has {$49.00}. I found a different phone number and spoke to someone and they said just keep trying different vendors or in person purchases.
Product: Mortgage

I purchased my home in XXXX. I became permanently XXXX in XXXX and had to do a modification then because of income dropping down to XXXX. I am raising or was raising a son totally on my own at the time he just recently graduated college. I talked to Bank of America last year because they like so many were helping home owners out or so I thought with Covid relief and making no payments to help out. I was told that I would start making payments again in XX/XX/XXXX which I did. I was told also that a claim would be made with HUD for payments not made and would be on end of the loan. I got XXXX last year, I had major car repairs and my only vehicle to get to physical therapy. I trusted Bank of America and now have been told HUD had no hand in approving any claims or not so now Bank of America wants me to start another modification which I did and sent everything that was requested well now they are asking a month later the same paperwork and another 3 months of paperwork because they didn't process it. I also found out that this year when I asked on paperwork before I started payments in XXXX again would receive paperwork from them when claimed had been processed and every month I called in only to be told HUD was behind. HUD wasn't processing claims. I have been told by alot of consumers same stories being told by their lenders between last year and this year. The payments I have made in XXXX, XXXX, XXXX and XXXX are sitting in unapplied funds. There is something not right with these lenders and not just Bank of America but other major lenders. Please help because I am permanently XXXX and don't want to lose my home and I have complied with everything they have asked and you can go on their website and read about their Covid Relief from last year and now what they are doing but the lie is that HUD is not involved in these claims.
Product: Debt collection

My wife and I were looking to buy a home so I went and got my credit report because we couldn't get an approval because of NCB Management Services Inc. saying that I owed money for a vehicle i never had at a address i never lived at i placed security fraud alerts on all three credit reporting bureau 's I sent a letter to the company certified mail requesting validation of the debt and any documents stating that i had signed a contract with them they never sent an explanation to verify that I owe their company any money and i feel that my rights were violated because they have my personal information and i never gave any written consent for them to have it. this is damaging my families life and i am highly concerned
Product: Credit reporting, credit repair services, or other personal consumer reports

hello I XXXX XXXX is not a third party is depressed because XXXX and Experian did not fix an error on my credit report and its causing not to get hired and its causing financial crisis in my household I can not get hired because my credit score has dropped because I am a victim of identity theft I have sent XXXX and Experian my ftc report over XXXXover and over I have called over the phone with them as well and they claim they didn't receive it which is a lie because I overnighted it and required a signature and they rep singed off on it acknowledging they received I am not receiving any help from them over the phone this has caused me XXXX XXXX because this is causing damaging to the character of my name please please help me I've been thinking XXXX XXXX because of these issue with XXXX and Experian because they are not helping me they even hung up on me and refused to transfer me to a supervisor I am sad and depressed because they claim they are here to help am I have still not have help in removing these fraudulent items I can't even take care of my XXXX kids I am now homeleness because of the damages you guys have caused to my name and household. please help m, XXXX pleasseeeeeeee its been over 198 days still no response from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$5.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XXXX, I contacted ChexSystems multiple times to dispute fraudulent information on my consumer report related to accounts and inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts were opened fraudulently using my Social Security number without my knowledge or consent. I am a victim of identity theft, as documented in an FTC Identity Theft Report and a police report ( XXXX Case # XXXX ). Despite providing detailed evidence and requesting the removal of fraudulent data, ChexSystems and XXXX has failed to remove these items from my report. The fraudulent account with XXXX for example, shows a balance of {$3600.00}, and was opened on XX/XX/XXXX at a car dealership without any verification of my identity. I have taken numerous actions, including disputing the accounts with Chexsystems and XXXX, XXXX, and credit bureaus, and providing all requested documentation to prove the fraud. Chexsystems and XXXX has violated the Fair Credit Reporting Act ( FCRA ) by failing to properly investigate and remove fraudulent information, as required under Sections 605B and 611. Their inaction continues to harm my credit and financial reputation. Actions Taken : Submitted identity theft and police reports. Contacted Chexsystems and XXXX. In XXXX to request removal of fraudulent accounts. Disputed the fraudulent accounts with creditors and other credit bureaus. Resolution Requested : I request that Chexsystems and XXXX immediately remove all fraudulent information from my consumer report and provide written confirmation of its removal.
Product: Debt collection

I contacted I.C System regarding a letter they sent regarding a bill from XXXX. They said they had not reported the bill to the credit unions, which I had verified prior to calling. They said they were not reporting the bill to the credit unions. We came to a payment agreement. I paid agreed. They reported to the credit union, making it look like the bill had n't been paid in 2 years, which was not true. I paid as soon as XXXX verified the breakdown of the bill was accurate and that I had received credits that I was due. 

I.C System maliciously caused my credit rating to drop. I.C. System reported after it had processed payment. Prior to our making payment arrangements they indicated they had no reason to report a debt paid as agreed.