23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Starting XX/XX/XXXX Community Loan Serving started charging me an additional {$55.00} monthly. They know I'm on a Forbearance and am struggling. 
I called about this additional charge and was told by a rep it was for a late fee. I told the rep I was not late. The Rep. instructed me that the only way to get it removed and/or get reimbursed was to contact customer service in writing and wait for 30 days for a response. 
I contact customer service in writing, and waited the 30 plus days ... .and then was told it was not a late charge it was property inspection fees and they will not reimburse me. 
That was fine except now, every single month since XX/XX/XXXX until now XX/XX/XXXX the charge remains on my bill for me to pay monthly, and I am forced to pay it, the amount is always {$55.00} dollars and not related to the normal mortgage amount. And no matter what I pay my account goes into suspense. 
In XX/XX/XXXX I received a letter stating that an Audit was issued and I have been indeed over paying and they are going to reimburse me. With this letter was no check or the amount that was due to me for the over payments. 
I called and spoke to a rep which told me she will issue me a {$55.00} check but the remainder of what is owed to me I'll have to fight for it by contacting customer service and waiting for 30 days to hear from them. 
I instead am writing you in hopes you can help me. As I am absolutely confused and exhausted with dealing with this lender for many inconsistencies. Meaning, this is not the only problem I am encountering with Community Loan Servicing LLC.
Product: Debt collection

A collection letter was sent to my brother 's address which they claim was obtained as my address from " public records '' instead of my address which is. I notice that this company was already fined for such tactics in the past.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about some erroneous accounts in my report. You must correct these accounts that were opened without my knowledge, consent, or authority within 4 business days.These accounts are damaging my file and needs to be updated. 

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

On XX/XX/2018 an inquiry was pulled on my TranUnion Credit Report, by XXXX XXXX XXXX and it was flagged as fraudulent and a letter was sent to me concerning the application. 

I spoke with XXXX and was informed that all of the credit reporting bureaus would be notified to remove the inquiry and a letter of confirmation was sent to me. 

I have spoken to Trans Union on many occasions, to inquire as to why the inquiry hasnt been removed and was informed each time that they were not notified by XXXX about the removal request by XXXX and they can not find it in their records. 

So, I sent TransUnion a copy of the letter sent to me from XXXX, stating it should be removed. 

Upon, giving TransUnion ample time to correct the error, I called TransUnion again, about the incorrect inquiry and was informed that although XXXX dated the letter but did not include in the body of the letter, the date of the inquiry, TransUnion refuses to remove the inquiry and has requested me to have XXXX rewrite the letter to include the dated the inquiry was made. 

I have requested XXXX to rewrite the letter to no avail. 

This is a violation of FDCA, TransUnion knows to the date of the inquiry on their records and can clearly see the information matches in Chases letter. 

I should not have to jump through hoops to get TransUnion to to do their job and TransUnion should keep better records of information provided to them multiple times by XXXX. 

I have had other issues with TransUnion using the excuse they cant find various information in their records for accounts although they have sent me copies of the information on their letterhead. 

TransUnion refused to reinvestigate.
Product: Debt collection

XX/XX/2018 XXXX XXXX XXXX sent a debt to alco collections that was disputed. All details are in files attached. There is no way to pay or even contact alco collections and XXXX  will not remove it from my credit even though the other two bureaus have.
Product: Credit reporting, credit repair services, or other personal consumer reports

After I tried to refinance my home loan recently I found out Expienan had wrong information about me. Despite multiple attempts to contact Experian I could not reach them. They could not even verify my identity online after I gave them my SS # DOB and address! I was turned down by the lender. How can such a careless and inept company handle our vital credit information!
Product: Debt collection

XXXX XXXX XXXX XXXX has called my work now 2 times. I have told them both times I am not allowed personal phone calls and work and it is a fire able offense if it is not an emergency. They called the first time Wednesday XXXX around XXXX, and again today XXXX at XXXX. Both times I have told them the same thing. Please make them stop calling before I am fired.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is related to XXXX XXXX XXXX. On XX/XX/2020, we contacted XXXX XXXX XXXX as received a notification that our lease had expired. Please note that XXXX XXXX XXXX automatically pulls our payments from our banking account. We had been in the process of working with a local dealership to transition to a newer vehicle just prior to the shutdown. The representative we spoke with offered an extension of the lease until XX/XX/2020 and we accepted. We then submitted the scheduled monthly payment by mail. We had assumed all other payments would be automatically pulled as we were not notified otherwise. After being unable to come to a lease agreement with XXXX and opting for a different vehicle, we turned in our truck. XXXX XXXX XXXX immediately reported our account as delinquent, a notice we received on XX/XX/2020. We contacted XXXX on XX/XX/2020 and were told that we " should have been asked to provide verbal notification to continue to pull our payments automatically. '' However, we were not asked to provide that acknowledgement or consent. Further, the representative from XXXX told us that because we have automatic payments and have always paid on time, we are " at the bottom of the list for notification. '' So, they acknowledged that they did not notify us when a payment should have been made. Had they notified us of the needed payment, we would have made it. Instead, they let two months lapse and only provided us notice of the late payment when we turned in the vehicle. Had we not turned in the vehicle, we may not have been provided notice for another 30 days. Our credit report has been impacted by their failure to notify us. While the rep communicated that the late fees would be waived, we do not believe this to be sufficient action. We would like XXXX to correct the information reported to the credit bureau and, if possible, to waive the payments that were not truly late. The fact that they acknowledged their system and notification process was broken, but continued to report our information to the credit bureau is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I attempted to communicate with the company about reporting incorrect information to the credit reporting agencies about me. I noticed that the information as far as my social security number doesn't match and the company still reported it to XXXX XXXX XXXX, XXXX. I contacted them as well in regards to the situation and nothing was done. I explained to them that the company could not verify my identity. The address doe not match or social security. I explained that this is against the law and I have acquired legal representation. I have filed a police report in the past about this matter.
Product: Debt collection

I received a voicemail from a woman claiming to be a " legal courier for the county. '' She claimed to have attempted to serve me legal documents at my residence and place of employment, which has not happened. She also claimed that she must surrender the documents as a refusal to sign and that I missed my court appearance, and I was to contact the filing party at the same phone number she called me from, which leads me to believe she is not who she claims to be.
Product: Credit card or prepaid card

Chase changed my card without my authorization forcing me to lose points and a XXXX travel credit I want them to compensate XXXX point for my timr How can they arbitrarily open my account
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 or extortion. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX  XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX Balance : -, XXXXXXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Student loan

I am forced to use EdFinancial Services for my student loan accounts. Since XX/XX/2023 i have been making high-dollar payments online each week to pay off my student loans. I had no warning that this digital service would be halted. In the beginning of XXXX i was informed my account was being transferred to a different platform & I was unable to make a payment online. 
I then called the company and they told me i could make payments on the new platform after creating a new account. I then made a new account. However, the new platform has incomplete information. The loan information does not correlate with my records. The dollar amounts are off. There is no information on what interest rate each loan has. There are 19 different loans listed. On the old platform the loans were organized alphabetically & on the new platform the loans are organized numerically. 
I called the company again and they told me i wont be able to see accurate details about my 19 different loans, like the interest rate, accurate remaining balance, accrued interest ; until after the student loans payments resume IN XX/XX/2023!!! 

I'm trying to pay off my student loans, especially now that they all 19 loans are accruing XXXX interest. EdFinancial is literally making it more difficult to make a financial decision on what loans to pay off first. It's impossible to make any payment at the moment ; on any loan without seeing accurate information. This is beyond frustrating. I'm literally being forced to not make a payment until loans begin accruing interest again. 
It's disgusting.
Product: Credit card or prepaid card

In XX/XX/XXXX I made a large purchase ( {$21000.00} ) split across three different credit cards with Chase, XXXX, and XXXX XXXX. 

Chase : XX/XX/XXXX - {$1400.00} - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX - {$4200.00} - XXXX XXXX XXXX -Documents and information submitted to Chase , no action performed. 

XXXX XXXX : XX/XX/XXXX - {$5000.00} - XXXXXXXX XXXX XXXXXX/XX/XXXX - {$5000.00} - XXXX  XXXX -Documents and information submitted to XXXX XXXX, no action performed. 

XXXX : XX/XX/XXXX - {$5000.00} - XXXX *XXXX  XX/XX/XXXX - {$300.00} - XXXX  XXXX The purchase was a scam, but I was not made aware until XX/XX/XXXX. The Federal Trade Commission ( FTC ) put out a statement confirming it was a scam, and after speaking with the case representatives, I was told the Creditors/Credit Card companies should take the information from the FTC and remove or waive the debt related to these transactions. 

I contacted each creditor ( Chase, XXXX, XXXX XXXX ) multiple times, with many phone calls trying to talk to someone that could help me. 

-- Chase offered no help, and after performing an investigation, I was sent a letter of the results. The investigation results that Chase did was : " Transaction from XX/XX/XXXX for {$0.00} '' It feels like they did not even care. 

-- XXXX XXXX shortly removed the transactions from my account, and then put the transactions back with no explanation. 

-- XXXX removed the transaction, and then put the transaction back, stating " The merchant refused to refund the purchase. We are not a law enforcement agency, and we can not do anything else. '' I provided the full legal documents from the settlement by the FTC and none of the three creditors could assist me. I am now being told my account will be closed, and the debt will be considered 'bad debt '.
Product: Checking or savings account

After repeated requests for assistance over the phone and in person at a branch, I am still having issues accessing my account. I am frequently locked out of my account and have had to reset usernames and passwords multiple times every week. No one in customer or technical services has been able to help. This is getting frustrating ad I am not able to access my account reliably.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE 3 MAJOR CREDIT BUREAUS ARE NOT RESPONDING TO MY DISPUTES, AND HE HAS BEEN WELL OVER 30 DAYS GOING PAST 45.. 

UNDER FCRA THEY HAVE TO REPORT 100 % ACCURATE INFORMATION WHICH THEY HAD FAILED TO DO SO. 

SINCE THEY HAVNT RESPONDED TO ME IN PROPER TIME, IN THIS CASE, MY DISPUTES MUST BE REMOVED IMMEDIATELY.
Product: Credit card or prepaid card

There appears to yet another block on account ending in XXXX with Genesis FS Card Services, due to returned payment in the amount of {$50.00} made on XX/XX/24, payments made via bill pay thereafter have cleared, this one returned payment should not be an issue. However, it appears it is as well as a new card which was issued and not received.. The current card I have ending in XXXX does not match up with what is shown on account web-site, which is XXXX. I attempted to clarify new card ordered, was unable to do so as well as resolve block on account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has previously removed or block from my credit file, item has been determine fraudulent, a report with FTC had been file XX/XX/2018 and experian and transunion had removed it but now are relisting it, this is illegal according to FCRA. 
Please remove this fraudulent item from my credit file. 

Thank you.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection : XXXXXXXX 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 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 reporting or other personal consumer reports

This Credit Bureau Has Been Reporting false information on my credit report, It is Hindering me from the ability to live life and process goals to achieve, This Credit Bureau is saying they are getting there information from the bankruptcy courts and XXXX XXXX, which is inaccurate I have sent over several documents from the Court offices and XXXX XXXX stating that they do report to these agencies Nor is a Bankruptcy disclosed, Also With Metro 2 Complaints it is impossible for them to have this false inaccuracy to report on my credit report, I contacted each company myself And They Sent me documentation to submit to the credit bureau to Removal Immediately, It has exceeded over 45/60 days of the timeline for the credit bureau to Remove, Etc No credit bureau has done so, so now it is extremely important that I contact The appropriate agency to have help with this Inaccurate information Regarding This Inaccurate Bankruptcy ( XXXX XXXX XXXX XXXX XXXX ) Bankruptcy that is Reporting on my Credit Report 3x With all Different Accounts information and inaccurate information Reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on multiple occasions to try and get information correct on my credit report. XXXX  continous to report and address XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX XX/XX/XXXX I have never lived at this address or in that town and the apartment has sent this to collection with XXXX XXXX XXXX to collect on a debt that is not mine. I also believe that this collection is over the seven year mark too. I have also written to XXXX XXXX and the two Bureaus XXXX   and Equifax concerning the balance that continues to be reporting. This was a voluntary repossession in XXXX. The car was sold and the new balance was never reported and the bureaus refuse to investigate the account.
Product: Credit card or prepaid card

My bank BBT cancelled a credit card that I had not used in many years. I had no problem with this, as I had several cards and only used one of them. I use my remaining card almost daily so I can earn rewards points. At present, I have XXXX points accumulated. I was saving those for extra money for a trip I am leaving on in a few weeks. I went to redeem those points and got an error that I no longer had access to that account. I assumed it was an error and called the number given, should I think that the message was in error. I was told that because the credit card I no longer used was cancelled, my points were forfeited. I have always used my main credit card to redeem points in the past, but now the bank says those points are no longer valid. I had to spend nearly {$25000.00} to accumulate those points. I want the money, that I was counting on, by using that card. I never once used the old credit card to redeem my points. I don't understand how they can take them away. I would like to file a formal complaint for this.
Product: Checking or savings account

Wells Fargo charged overdraft fees and closed my account without notice.
Product: Debt collection

Wrongfully charged a debt. Asked for proof of debt and/or contract and company was unable to provide. This debt is negativity affecting my credit report ( misrepresentation ).
Product: Debt collection

I 've been a victim of identity theft. On or about  XX/XX/XXXX  I 've obtain a  XXXX  Credit card and was given a free credit report. I soon then gotten a delinquent notification on my credit report. I then found out that I have a Macy 's CC that I never open. The last time that I applied for a Macy 's CC was back in  XX/XX/XXXX  and I decided not to use it because I only have a limit of {$100.00}. I soon called and find out that the Macy 's CC was open on  XX/XX/XXXX  and the person who did this was making payments on it. I called and ask about how this has happen and filed all type of paper work to get this fix. But it been about a year now and nothing has been fix. I submitted A police report followed up with a identity theft affidavit to help me get this fix. But Macy 's department keep denying my case for over 1 year now. I 've even got the purchase info for the person who was using the account and it was clearly a woman whom was using the account and yet the said it was me and denied my claim because they said that I open the account with me ID. But clearly this a identity theft issue. Macy 's has yet understand that. They will not give me the account number because they said it 's a identity account but after even saying that, they are still pursuing me to pay the amount that I never use or open up.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are many accounts reporting that does not belong to me. There are also inaccurate personal information that is reporting : Incorrect Name : XXXX ( Transunion ) Incorrect Name : XXXX XXXX XXXX XXXX  XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX, TU,  XXXX ) Incorrect Address : XXXX XXXX  XXXX XXXX ( Transunion & XXXX  ) Incorrect Address : XXXX XXXX XXXX ( XXXX  XXXX The following accounts were a result of identity theft : Onemain Opened XX/XX/XXXX ( TU ) Opened XX/XX/XXXX XXXX XXXX  & XXXX  ) Bal : {$0.00} XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$100.00} ( XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$620.00} ( XXXX  XXXX XXXX XXXX XXXX XXXX XXXX is no longer in dispute. Please remove dispute status I did not not authorized the following inquiries on my credit file : XXXX ( 2 TIMES ) XXXX XXXX XXXX   XXXX XXXX 2 TIMES ) XXXX XXXX XXXX ( 2 TIMES ) XXXX ( 3 TIMES XXXX XXXX XXXX XXXX 3 TIMES XXXX XXXX XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX
Product: Mortgage

Homeonwber insurance I left my home without homeowner insurance for 29 days then my Mortgage company is charging me {$180.00} when I am paying only {$100.00} per month, so this is extremely high. Somebody can do something in this sense and stop this kind of contract and have a better regulation for the CONSUMERS!!! not for the lenders? 

It might not have any effect in this matter but I hope many people get informed about this Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im a victim of XXXX trafficking for the last year and have been trying to rebuild my life and my identity. While getting help from the resource center to report my identity theft, I disputed incorrect information that was being reported on my credit file and discovered that for the last XXXX my social security number has been reported incorrectly. I have been denied for credit opportunities because they could not verify my information. I was confident that I was supplying the correct information but was still denied. Also my name was also reported incorrect which also has caused potential credit opportunities for me to be denied. This is unfair practice under the laws that protect me.