23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

( Original complaint XXXX closed due to sys glitch, spoke with XXXX @ CFPB, XXXX EST who advised to re-open** ) I requested mortgage deferment/forbearance for my mortgage account due to being laid off due to COVID. Per CFPB guidelines, there is not currently a deadline for requesting an initial COVID hardship forbearance. Multiple attempts for additional information continues to be requested from me to substantiate needing forbearance, even though, per CFPB guidelines, Forbearance must be granted if requested and the borrower attests to a COVID related hardship ( see attached CFPB guidelines ) The mortgage forbearance was approved as of XX/XX/XXXX with mortgage payments for XXXX, XXXX, and XXXX of XXXX put on hold until I can gainfully obtain employment again. Since placing my loan in forbearance, I have had many issues Im hoping to understand. I received a Delinquent Notice for XXXX payment, dated XX/XX/XXXX ( attached ), even though my account should be placed in an approved forbearance status. Upon reviewing the notice, I noticed late fees/penalties are being tacked on to my monthly payment due showing on the delinquent notice. This generated a call to Cardinal on XX/XX/XXXX as per CFPB guidelines state, No additional interest, fees, or penalties can be charged beyond the amounts scheduled or calculated as if the borrower made all contractual payments on time and in full under the terms of the mortgage contract.. I spoke with XXXX who indicated the approved forbearance plan was not noted on my account and was transferred to loss mitigations where I spoke with XXXX at XXXX, EST. XXXX also agreed the forbearance wasnt placed on my account but that she would update the information to reflect this. When I inquired about why late fees are showing on my account for XXXX and XXXX, she stated they were allowed to charge late fees/penalties even for payments under an approved forbearance plan. When I told her this was not allowed under the Cares Act, she stated that she would waive XXXX late fee but would not remove XXXX late fee or XXXX late fee, even though all of these payments are approved as forbearance payments. She also mentioned that delinquency notices would continue since Im not making my monthly payment, even though my account is approved under forbearance. I have also included my XXXX mortgage statement which now reflects {$120.00} in late fees/fines. I have had to call at least 3-5 times a month to get this straightened out and get nowhere with any of the representatives who have taken my calls. I am beyond disgusted with the way this company handles business and need help understanding why Cardinal/Dovenmuehle doesnt have to follow federal guidelines under the CARES ACT for XXXX XXXX & XXXX XXXX XXXX XXXX XXXX Attached I have included : Approved Forbearance Agreement dated XX/XX/XXXX The delinquency notice dated XX/XX/XXXX, CFPB guidelines on the deadline for XXXX XXXX Mortgage Statement dated XX/XX/XXXX.
Product: Credit card or prepaid card

In 2022 I received two Mastercard prepaid debit cards from XXXX XXXXXXXX that are managed by " myprepaidcenter.com, '' but since receiving these cards I have never been able to use them to make purchases as the card promised. I did the following : 1. I went to myprepaidcenter.com website where I created an account to view my balances.

2. I activated the two prepaid Master card cards. 
3. I have been unable to view the list of merchants that accept the cards 4. When I called myprepaidcenter.com customer support at XXXX the representatives I speak with do not give clear instructions on what merchants I can buy products from. Their explanations are vague, unintelligible, and oftentimes ambiguous. 
5. Once the prepaid debit card expires after one calendar, the service charges {$4.00} USD per month, but send a new card to me. 
6. On the front of the prepaid Mastercard card it is written " FUNDS DO NOT EXPIRE, '' but there is a {$4.00} service fee per month that is automatically deducted from my prepaid Mastercard card. 

I believe this practice is misleading, deceiving, and inappropriate because myprepaidcenter.com falsely advertises a product that does not work. Consumerfinance.gov must investigate this matter further because there may be millions of dollars that consumers are being cheated of, and these companies are getting away with fraud by making it almost impossible to use these prepaid cards.
Product: Credit card

I Applied Penfed platinum rewards XXXX signature card on for XXXX/XXXX/2016 I was approved for the card 24 hours later I was declined and the reason given was application was built in error I immediately called up to find out what was going on they did n't know. The representative resubmitted the application it came back approved because were service rep said that the card would be mail in out XXXX to 10 days. I logged to my account and noticed that the account had disappeared from the Account screen. I am mediately called and spoke to customer service representative that informed me that my account was closed and could not give me a clear reason why it was close. Section XXXX of the XXXX which mandate that financial institutions verify certain information about applicants, including name, legal address, date of birth and Social Security or Tax Identification Number, while processing account application.
Product: Debt collection

MY DAUGHTER ( XXXX XXXX ) WAS XXXX  IN XXXX AND A BAIL COMPANY PROMISSED IF I PAID THEM BAIL THAT NIGHT THE A XXXX XXXX COURT SHE HAD AN APPEARANCE SCHEDULED FOR THE NEXT DAY WOULD NOT BE NOTIFIED AS SHE WAS TO RECIEVE AN OFFER TO GET INTO A REHABILITATION PROGRAM SHE WAITED MONTHS FOR AND THEY WOULD PAY FOR IT. 
THE XXXX XXXX RELEASED HER ON BOND AND THE NEXT DAY IN XXXX XXXX NV. THE COURT NOTED HER NEW PENDING CHARGES. BUT AFTER WE BOTH MADE PAYMENTS TO XXXX XXXX, .... COVID HIT AND EVERYTHING SHUT DOWN. XXXX XXXX THEN HAD A DIFFICULT PREGNANT AND LOST XXXX OF XXXX XXXX  AT BIRTH. SHE MOVED AWAY AND I ( XXXX XXXX HAD A XXXX XXXX AND LOST INCOME AND WAS UNABLE TO HAVE ACCESS TO ANYTHING DURING XXXX I MOVED ) WHEN SUDDENLY A FEW DAYS BEFORE XXXX I GOT A CALL THAT WAS SHOWN AS SPAM. BUT I ANSWERED AND THEY SAID IT WAS A COLLECTION.. I ASKED WHOM AND THEY SAID A BAIL COMPANY DEBT FOR {$5200.00}. I ASKED THEM TO SEND INFORMATION. THEY SAID THE DEBT WAS GOING UP DAILY FOR INTEREST AND THEY WOULD CALL BACK IN 30 DAYS ... THEY NEVER GAVE ANY VERIFICATION OF THE DEBT AND NEVER CALLED OR GAVE FURTHER NOTICE OR AN ACCOUNT NUMBER OR ADDRESS ... THEN IN XXXX I HAD RECIEVED A CALL AND STATED I HAD COVID AND PLEASE CONFIRM INFORMATION THAT WE MAY ATTEMPT TO HANDLE THE DEBT. HE HUNG UP WHILE ON HOLD. I HAD NO CONTACT PERSON OR ADDRESS OR ANYTING... ..I WENT TO THE BOND COMPANY AND THEY HAD NO MORE RECORDS AND I PROVIDED A MONEY ORDER IN XXXX AND XXXX AND THEY CALLED ME TO TELL ME ALL RECORDS WERE GONE. I FINALLY GOT A NOTICE FROM MY CREDIT WATCH TELLING ME A DEBT IS OWED AND AMOUNT SEEMS TO VARY AND FINALLY A PHONE NUMBER... PLEASE HELP
Product: Credit reporting or other personal consumer reports

Please be advised that as of XXXX as listed on my most recently reviewed consumer credit report, there are several fraudulent / unauthorized inquiries listed on Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am hereby notifying you that these inquiries are fraudulent and neither on those dates or dates similar did I authorize any individual from Transunion to furnish my consumer information to any company. Having understood that this is a violation of 15 U.S.C. 1681b ( a ) ( 2 ) : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other - In accordance with the written instructions of the consumer to whom it relates. Both together and separately, my consumer and privacy rights are being violated. If you can not provide my written authorization, the aforementioned fraudulent/unauthorized hard inquiries are to be removed from my consumer credit report and file IMMEDIATELY as their reporting has caused me and my reputation harm and discrimination.. XXXX XXXX ( Without Prejudice )
Product: Student loan

I called navient on XX/XX/XXXX to put a check on file for the balance to be paid XX/XX/XXXX, navient ran the payment on the XXXX and I got a XXXX   dollar bank fee and had a XXXX  dollar bill and XXXX expense that now went into my line of credit through my bank. I called navient on XX/XX/XXXX to make them aware of unauthorized payment, I sent over bank statement to prove charges. I called navient XX/XX/XXXX gave my account info for a refund of XXXX but instead navient ran a payment again for the full balance on my account which made another bank fee. I have spoke to several representatives and get something different every time, navient doesn't want to reimbursed me for 3-5 days. so onXX/XX/XXXXwhen I call to pay my balance off it's showing I don't owe anything.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items are updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hello, Typically I use the company XXXX in order to file my taxes each year. XXXX has always been very easy to use, and logs my data which makes life a lot easier, except for this year. 

As a new feature, XXXX offers a service in which you choose to open a checking account with the company Credit Karma and deposit your refund into said account, you essentially don't have to pay any fees.

My tax return finally came in, and Credit Karma was supposed to send me a debit card to access the funds. Either they never sent said card, or it was lost in the mail. 

This shouldn't be an issue, because they offer a transfer service via the platform " plaid '' on their website, however, when I go to transfer funds, plaid recognizes my bank, logs me in to my bank account, then says my account doesn't exist. I have verified both the routing number and account number through my bank ( XXXX XXXX XXXX in Colorado if that matters ) Because of this issue, I contacted Credit Karma 's customer service. It quickly became apparent that they outsource all of their calls to a third party company that has no clue how to operate Credit Karma 's system, yet alone maintain a basic grasp on the English language. Not only was the representative absolutely inattentive to my issues, I literally had to repeat what the issue was over and over and over. 

After a long and painful conversation that ultimately produced zero results, I asked to have a new card sent and to be expedited. They sent a new card ( supposedly, I haven't seen it yet ) but denied my request to expedite even though it was their fault I never received a debit card in the first place. 

I have reached out to my bank, and was informed that all Credit Karma has to do is issue a wire transfer into my account, yet instead of doing the right thing, they have proceeded to harass me with " follow up '' emails asking me to rate the quality of service, and when I reply that they haven't even resolved the issue, I get snapped back to the beginning of a spiral of repeating my issue over and over, asking for a solution, and then getting told the exact same thing over and over, instead of any resolution to my issue. 

What was sold to me as being a " quick and painless '' process has become exactly the opposite. I just want to access my tax refund. 

NEVER USE CREDIT KARMA FOR ANYTHING.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant XXXX  regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX  - XXXX - {$0.00} XXXX - XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX Previous Address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX with account XXXX showing XXXX  days late and closed in good standing, several times I've requested a reinvestigation of this account showing XXXX days late and requested the documents pertaining to the investigation showing this account was late. however, I showed proof that this account was paid in full and never late still no response nor have they sent any clarification pertaining to their investigation, still no response all they respond with was this file will remain on my credit report which is a violation of the Fair credit reporting them ignoring my several request, this account also don't show an ending balance which is left blank also tried to discuss this inaccuracy with them still no response been approximately XXXX days still I been trying to dispute this inaccurate could u please assist me with this issue thank you.
Product: Mortgage

I have attempted to modify my loan with BOA. They advised me to work XXXX, and I called XXXX and received no help.I contacted BOA and was advised my home was in a foreclosure
Product: Credit reporting or other personal consumer reports

I have had ab account with XXXX for maybe 16 years, paying my daughters student loan. Parent plus. I ended ip paying a lot more money than I ever borrowed for her schooling I got emails saying that student loans had to be up to date by XXXX before XXXX would be notifying the credit bureaus. Did it have to do with a government put in place I was not sure? 
In XXXX running behind XX/XX/2024 I paid XXXX that would pay two loans on line I missed XXXX and XXXX ( having to pay other bills ) I thought I would catch up. I paid again XX/XX/2024 XXXX for 2 loans XX/XX/2024 XXXX for 2 loans on line again I started hearing from my credit bureaus ( that I worked so hard to keep a good credit score ) that I was 90 days behind. I called XXXX many many times with no help They said the payment XXXX paid only one loan and they would correct.they did not Then messages from credit bureaus I was 120 days late. I COULD NOT BE BECAUSE on XX/XX/2024 I borrowed money and paid off the one they said I was late on. ( I had to because I had no protection from this company ) My credit rate dropped over XXXX points and my credit cards started lowering my available credit This has destroyed me and I have no help against these people. XXXX has now taken over these accounts. PLEASE PLEASE Help me against these people
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  Account # XXXX This account is closed but it is still showing a XXXX, XXXX and XXXX  on my XXXX and Equifax reports. 

XXXX XXXX XXXXXXXX Account # XXXX This account is closed but is still showing a 30 day late on my XXXX, XXXX and Equifax reports. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding multiple unauthorized credit inquiries on my reports from XXXX, Equifax, and XXXX. These inquiries were made by various entities, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and others, between XXXX and XX/XX/year>, without my consent. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681b, a credit report may only be accessed with the consumers written consent or if related to a transaction initiated by the consumer. These inquiries do not appear to meet those conditions. Additionally, Section 1681m requires that I be notified when my credit is used, but I have not received any such notices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my account thru the company 's website before it was due but 30 days later i got notice that they never recieved my payment. This happened 2 times thru their website and has given me 2 late pays that are damaging my credit and i'm unable to get the best interest rates. I have tried correcting the problem with the 3 credit bureaus but not had success. Please help
Product: Checking or savings account

General description of my complaint : XXXX. XXXX - Opened a CD at XXXX XXXX XXXX  And XXXX XXXX for a term of 59 Months and automatically renew at same terms if not withdrawn XXXX. XXXX - XXXX XXXX XXXX  was acquired by XXXX XXXX XXXX XXXX. No communication regarding the CD that matured. 
XXXX. XXXX - XXXX XXXX XXXX XXXX was acquired by Key Bank. 
XXXX. XXXX - I contacted Key Bank regarding my original CD from XXXX XXXX XXXX  and XXXX. They could not find the account. 

I contacted unclaimed property, the FDIC, OCC, the XXXX XXXX XXXX XXXXXXXX, my state rep., and finally the CFPB. 

No one has been able to help me after contacting all of the above listed agencies and bureaus. 

Below is some information I found with the change of banks and times over the past 20 years. I am VERY DISPLEASED with the minimal effort by Key Bank and quick to pass off to another agency when describing my complaint. I lost trust in the banking system. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ORIGINAL Certificate of Deposit - XX/XX/XXXX at XXXX XXXX  # XXXX CREDIT TO ACCOUNT - {$1800.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX or acquired on XX/XX/XXXX without government assistance. 

XXXX, XXXX, XX/XX/XXXX ( XXXX XXXX ) -- XXXX XXXX XXXX XXXX ( XXXX : XXXX ) today completed its previously announced acquisition of XXXX XXXX XXXX, growing the XXXX XXXX XXXX  XXXX XXXX to {$20.00} XXXX in assets, {$14.00} XXXX in deposits and XXXX branches across XXXXXXXX XXXX XXXX and Pennsylvania. 

XXXX XXXX XXXX KeyCorp Closes XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX -- KeyCorp ( XXXX : XXXX ) XXXX today that it has closed its acquisition of XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX " XXXX XXXX '' ). Systems and client conversion is expected during the fourth quarter of XXXX, subject to pending regulatory approval by the Office of the Comptroller of the Currency ( " OCC '' ) for the merger of XXXX XXXXXXXX XXXX into KeyBank.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act, XXXX XXXX Bank, account ending in XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

This credit account with XXXX XXXX  has been opened without my consent and it needs to be closed and removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

There's a technical bug in the TransUnion Service Center 's customer profile, not the Credit Report. The customer can't delete or empty the Middle Name section ; it always comes back after attempting to empty the middle name. It will only be empty if you registered the profile without a middle name at the beginning. However, what if someone changes their legal name and the middle name is removed? The user is not allowed to delete the profile and create a new one from scratch, so some middle name will be there forever. It's very annoying, though it's not reflected in the actual credit report. The web address is : https : //service.transunion.com/dss/login.page
Product: Credit reporting

I would like to put a freeze on my XXXX year old 's SS #, but the current methods make this unbearably difficult. As I understand it, I have to physically send copies of his birth certificate, SS card, and various other forms of ID for him and me, to each of the XXXX credit bureaus to XXXX find out if there is currently any fraudulent activity on his account. Then, once I receive these in the mail, I have to go through the same process again with all the same attachments, to place the freeze for all XXXX agencies. Luckily I live in GA, and I understand there is no fee for a freeze in my state for children under XXXX, but I am amazed that other states charge, ( per agency? ) for this service. I would like to think that our government could help to protect our children by making the credit freeze process easier for parents to initiate. Even to go as far as to have a simple check box on the SS application form for an infant to request an initial freeze on the account until a child reaches XXXX years of age.