23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I had received a letter in the mail from a company named XXXX XXXX, who posed as partners of my main loan servicer, XXXX. Their ( scholastic solutions ) phone number being XXXX. The letter stated I qualified for a student loan repayment plan, I called them thinking they were legit, I paid {$790.00} to start my repayment plan, in XXXX of 2022. Since then, I have been paying {$39.00} a month to these people, who stated after XXXX payments, my student loan debt of {$32000.00} would be completely forgiven. I wanted to check on my payment progress, and when I signed into my servicer account through XXXX, there was no payment history on my account, which I had found weird since I have been having {$39.00} taken out of my account every month. They informed me that XXXX XXXX like to pose as third party servicers, and steal money from people. So the money they have been taking from me had in fact not been going towards my student loans. I have paid these people a total of {$1400.00}. On my bank statements they were first listed under XXXX XXXX  and they now have changed their name to XXXX. When I called my bank ( bank of america ), I spoke to the fraud department and they helped me set up a payment block against this company, but they stated they would not be able to confirm that they would get my money back. They stated this was not considered fraud since I gave my information willingly to the XXXX XXXX XXXX. When in fact the definition of fraud is a wrongful or criminal deception intended to result in financial or personal gain a person or thing intended to deceive others, typically by unjustifiably claiming or being credited with accomplishments or qualities. I was deceived by this company into thinking they were a servicer for student loan debt relief. They stole money from me for their own personal gain, and I was not aware of the fact that they were not a legit company. So to me this should absolutely be considered fraud. I was very disappointed to learn that my bank is not able to do anything for me, and these people have been getting away with stealing from people like me who have student loans to pay. I feel like my bank should have helped me further, they should have been able to somehow reverse the payments that were taken from my account by these people. Im not sure what to do next. Thats {$1400.00} down the drain that I could have used towards supplies for my XXXX XXXX XXXX son.
Product: Mortgage

There is a Fee that has n't been resolved. After speaking with Various Bank of America loan specialist, a " XXXX '' Fee of {$540.00} is still being charged to my Mortgage Loan. The employees have made up various stories to justify the fee. The reality is that the specialist themselves have no idea what this fee is. The specialist have said that " the house was in foreclosure. '' Which is not true since the house was and has never been in foreclosure. Another even had me go to the city of XXXX XXXX to discuss with them the fee the city then again said that this fee was n't coming through them. Back to my point that Bank of America has no evident proof that I should be charged this.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is in violation of the FCRA for reporting negative inaccurate information on my credit report. This is NOT my account and it is reporting negatively and inaccurately multiple times on my credit report. My report is showing these accounts opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and all three posts on my report have the account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Hard Inquiry Removal Request There are a couple of inquiries made by XXXX  XXXX  that should be counted once, Therefore XXXX of the XXXX of the same inquiries should be removed from my credit report. The Law clearly states that : *_Multiple inquiries of the same type and made within a short period of time may only be counted once. ( Please see above ) If Companies can place ONLINE anything they want in Peoples Credit File without verification, subsequently and fairly the owner of such Credit File should be able to do the same and use ONLINE services to dispute these Companies ' claims. 

_ TransUnion DENIED me the right to dispute a Hard inquiry by XXXX XXXX from XXXX services ( Please see above )
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$9400.00} ; XXXXDEPT OF ED XXXX Date opened XX/XX/XXXX Balance {$3600.00} ; XXXX/DEPT OF ED XXXX Date opened XX/XX/XXXX Balance {$6600.00} ; XXXX/DEPT OF ED XXXX Date opened XX/XX/XXXX Balance {$1000.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of identity theft and a data breach, and unauthorized accounts and inquiries have been fraudulently opened in my name. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts and inquiries be blocked and permanently deleted from my credit file immediately : Accounts to be Blocked and Deleted : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XXXX/XXXX/2015, I scheduled a XXXX time draft payment of {$470.00} to be deducted from my XXXX Bank checking account. 

On XXXX/XXXX/2015, a double payment of {$940.00} was debited from my checking account causing my account to go into a negative balance. I immediately called PennyMac Mortgage Company. XXXX XXXX, faxed a request to XXXX for {$470.00} to be refunded to my checking account. Also, investigation # XXXX opened. ( To date, I have not heard any status on this investigation ). 

On XXXX/XXXX/2015, Called again, spoke with XXXX XXXX at extension XXXX. Faxed the same request to XXXX to his attention. 

XXXX/XXXX/2015, XXXX XXXX extension XXXX, she told me she would start the refund. She would call at XXXX ( EST ) for a conference all to my bank to vfy the debit would be honored, that no dispute was in process. 

XXXX/XXXX/2015, I called XXXX at XXXX after receiving no phone call. She verified needed information with bank. 

XXXX/XXXX/2015, Left voicemail with XXXX, no response. 

Fees I am incurring so far .... 
XXXX/XXXX/2015 Debit Memo {$6.00} ( {$610.00} ) Memo : SERV CHG XXXX/XXXX/2015 Service Charge {$6.00} ( {$600.00} ) Memo : SUSTAINED OD XXXX/XXXX/2015 Service Charge {$6.00} ( {$590.00} ) Memo : SUSTAINED OD XXXX/XXXX/2015 Fee eNotice {$70.00} ( {$590.00} ) Memo : OVERDRAFT ( XXXX AT {$35.00} EACH ) I explained to XXXX XXXX who seemed to sympatize with me that this issue is turning my world UPSIDE DOWN!!! I live paycheck to paycheck like many Americans in today 's society. My account is overdrawn. I have no money to live on, for gas, groceries, etc. I had to borrow money from family to pay my bills with MONEY ORDERS. I am incurring fees that I can not afford. THIS IS EXTREMLY UPSETTING AND THE COMPANY SEEMS TO MAKE NO EFFORT TO RESOLVE THIS OTHER THAN CALLING MY BANK TO ENSURE THEY GET THEIR FUNDS!!! HOW INSULTING!!! 


I want a refund of {$470.00} for the payment that was debited from my account in error plus {$90.00} for the fees that I have incurred from XXXX Bank for my account being overdrawn. On XXXX, I was assured that I would receive a refund, it has been 9 DAYS!!!!!!! Each day I am so upset & stressed out. It 's just not fair that this company is getting away with this!!!
Product: Checking or savings account

My debit card was compromised on Wednesday, I called pnc who told me they couldnt do anything until the charge was out of pending status. Asked for the card to be reported as fraud. The agent said the charge would be out of pending on Thursday. It was not. It was still in pending as of Friday night. I woke up this morning, Saturday, to find that charge was no longer there and a new charge for XXXX was there instead. The agent never shut my debit card off. So whoever has my information wiped my account out. No I have no money in my account. I went to a local branch this morning they told me they couldnt do anything because the charge was in pending status : called the customer line again and they preceded to apologize for the inconvenience and tell me until its out of pending they cant do anything. Now I can not pay my bills or file my taxes due to the negligence of this. As I told the supervisor today, what happens when the transaction stays in pending status for days like this one did, especially since its the weekend and the bank holds money longer. He said oh yes he didnt think of that and hes sorry there is still nothing he can do.
Product: Debt collection

On XX/XX/XXXX a male XXXX salesman selling water filter system items. He then conducted his presentation of the company 's items for the amount of {$5000.00}. I told him that I did n't have those amount of funds, he then asked me if I was renting or buying this property. I told him buying, why? he stated that no problem his company have a finance company that will accept me all I have to do is sign the loan application, I accepted in signing for the a loan amount of the cost for a water filter tank & accessories numerous years past and the fee agreement never decreased, so I called Castle Credit Corp, and requested a explanation of as to why my loan has not decreased. the female agent refused to respond to my allegations, only stated " IF DO N'T PAY UP, YOU ARE GOING TO LOSE YOUR PROPERTY BECAUSE WE OWN IT '' I stated you 're joking, she No, do n't pay up, then wait and say goodbye to your property. I was so mad that I hung up. On this year XXXX, I choose to refinance my home, and everything was going fine, until they discovered that Castle Credit had placed a LIEN on my property under " HOME IMPROVEMENT '' section. I was not aware of that agreement, I thought a bought a water filter tank. I would NEVER use my {$190000.00} property to cover this transaction, I was scam that salesman, castle credit sales agent never mentioned it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im in the process of terminating my contract with XXXXXXXX XXXX XXXX Timeshare due to Misrepresentation and fraud. While my legal team is negotiating with XXXX, I stopped paying the monthly payments. They have been reporting on my credit and has put me in a position where I cant get credit for housing. I know there are thousands of families with the same problems. I hope this agency can get the negative reporting removed. Not only is the Timeshare been a hardship, they sold me a fraudulent contract and the following misrepresentations. 

XXXX XXXX misrepresented the reservation of the time share rooms. Any time we looked to book, there were none open for reservation. Nnable to book at any XXXX property or given any alternative. 

2 The Salesmen said repeatedly that she would be our personal agent to make any and all bookings. After multiple attempts to reach her she continued to not answer phone calls or texts to the numbers she noted 3 Paid over {$11000.00} and were never able to use any of the points assigned to us through the program.

4 The titled property was said to grow in value because of it being tittled but actually was worth less than what we purchased for when we decided we wanted out.
Product: Credit card

I've consistently made timely payments on this account, ensuring they are never overdue. I'm uncertain about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error should be corrected.
Product: Debt collection

I have called and emailed Professional Finance letting them know for months now I have been paying XXXX XXXX XXXX of Florida regularly not paying late since I got my bill & I have spoken with the company they said they were reporting to the company I was paying and I have receipts.
Product: Credit reporting or other personal consumer reports

I LOOKED AT MY CREDIT REPORT AND NOTICED SOME FRAUD ACCOUNTS ON CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting the following inquiries without my permission or knowledge. 

These accounts are being reported without no permissible cause, no credit or loan was offered or receive. This is a violation of FCRA rules section 1681. 

1 ) XXXX XXXX XXXX- inquiry date XX/XX/2020, no permissible cause a violation 2 ) XXXX XXXX- inquiry date XX/XX/2020, no permissible cause a violation 3 ) XXXX XXXX XXXX XXXX inquiry date XX/XX/2020, no permissible cause a violation 4 ) XXXX XXXX XXXX XXXX 5 ) XXXX card services- inquiry date XX/XX/2020, no Permissible cause a violation
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed on XXXX XXXX, 2017 that Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. In response, I placed an initial 90 day fraud alert on my file. When I visited the Equifax website to see if I had been affected, I was informed that they had reason to believe my information may have been compromised.
Product: Credit card

Amazon synchrony bank services lost my payments for my Amazon credit card with them. They said they investigating my payments that I sent proof from my bank that I paid. I have heard nothing back from them. They said the the investigation will take awhile and I cant use my Amazon card ending in XXXX. Amazon is also not helping with this offense. I paid XXXX the month of XX/XX/2024. They said they only received XXXX and XXXX. There are XXXX payments of XXXX received by them and paid by my bank on XX/XX/XXXX twice and XX/XX/XXXX. They have not given my any information since they started the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called all three credit bureaus, Experian, XXXX, and XXXX to inform them of the unauthorized credit inquiries, after several attempts they would not remove them.
Unathorized Inquiries and Dates of Inquiries 1. ) XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX 2. ) XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX ( XXXX ) XXXX 3. ) XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX 4. ) XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX  5. ) XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 6. ) XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 7. ) XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, MN XXXX ( XXXX ) XXXX 8. ) XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was using XXXXXXXX XXXX for long time and all these period I was on Auto Pay, so I dont bother about payments every month. During last XXXX period, without my knowledge, Auto Pay is removed from my account. Due to this I missed a full payment on XX/XX/XXXX th but on the same billing period I was having a return payment of {$41.00} on XX/XX/XXXX which will offset the minimum payment of {$35.00} for the period XXXX XX/XX/XXXX to XX/XX/XXXX XXXX whose payment due date as per statement is XX/XX/XXXX. After that I missed one payment on XX/XX/XXXX. But I paid the full amount on XX/XX/XXXX as per the statement dated between XX/XX/XXXX to XX/XX/XXXX. This missed payment was reported and my credit score went down from XXXX to XXXX. I think this auto payment is accidentally removed by XXXXXXXX XXXX while doing changes on their online system as I can see a total different look and style between the statements printed from the site before and after XXXX, Also when I check online its missing a XXXX statement. When checked with them about the missing statement, they said its because I have XXXX balance that time. But I have several other statements with XXXX balance. Its very clear that some technical glitch from the company side caused these problem and discover is not ready to accept or admit their fault. I spend hours with them to resolve this issue with no result. The customer care personal who talk to me is coming up with many childish reasons and she said on XX/XX/XXXX I switched my linked Bank account and there was a problem with that switching and so on XX/XX/XXXX my auto pay is cancelled.I dont understand how they took my payment for 9  months even after they claim that there is a problem in linking my account. I need you help to resolve this issue and bring it to light. I am sure that this is not the only case. People always ignore these as they dont have time to go behind this. I may also ignore this, bu I am refinancing my house due to financial difficulty, and every penny counts as we are having difficulty in work due to the covid situation. I have all the statement and docs to prove my claim.
Product: Mortgage

Citizens Bank, company. has misled for over a year as to cancellation of Escrow Account first they stated that MHP did not allow it. Then they insisted it could only be done if a Appraisal was done and paid for by myself which I did. There was also the plain untruth told that Mass housing partnership stated this could not be done ( escrow removed ) which MHP stated was untrue. This is not regular and normal for all usually you just fill out the Escrow Cancellation agreement, pay a fee and it is removed but they have treated me differently from others. Now they have the Appraisal and have stated that they could not accept the Appraisal and gave no reason why. They had me pay for an Appraisal was was unnecessary to get Escrow removed but serves a purpose to get PMI removed and are now refusing to do so go figure. 

They have put me through hoops and cost me to double l that they stated no insisted need to be done to get Escrow Removed! Now The Appraisal which show an Appraised value of {$360000.00} on a loan owed {$250000.00} or less to date, Refusal to remove PMI stated in writing with docs sent for Escrow cancellation on XX/XX/2021 via online Portal with no reason attached which is violation of PMI cancellation rules for all. This Appraised value means that PMI and must be removed due to the 20 percent home Equity meaning that PMI should be removed at this time. Now they are denying Home Appraisal in violation of law on removal of PMI for all. Insurance premiums paid by myself from beginning to now.
Product: Credit reporting

I do not believe the number and catagories are correct XXXX - Serious delinquency, and derogatory public record or collection filed, all my bills are paid on a automatic payment plan XXXX - Number of accounts with delinquency, I do n't have XXXX accounts XXXX - Lack of recent revolving account information XXXX - Too many consumers finance company accounts
Product: Checking or savings account

My XXXX and XXXX XXXX.from a Litigation from XXXX, XXXX, I open a online Checking and Savings Account@ U.S. Bank on or about XXXX XXXX and I found out The Company signed me up for other Accounts without my consent.They ordered me checks and I wrote checks and they didn't let them pass on a XXXX.
Product: Debt collection

Called company in XX/XX/XXXX to tell them I did not need their service after the end of the year as the property was being sold. Sale was to be by the end of the year but was not finalized until XX/XX/XXXX. 

Made more calls in XXXX and XXXX and several in XXXX since the company kept sending me notices of payment for XXXX. Each time I told them I didnt need their service. They kept sending me a bill and started adding past due charges. 

New owner called them and asked them to remove the propane tank and they told him they would not remove it. 

I researched the company on XXXX XXXX XXXX  and filed a complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX To whom it may concern, Re : Filing a complaint against Sagestream LLC for not complying to place requested security freeze on my credit report since XXXX of 2020. 

I am filing complaint against Sagestream LLC for not placing a freeze on my report as requested. 
This company was notified to place a freeze on my personal report numerous of times since XXXX, then XXXX, XXXX, XXXX and XXXX and as yet to comply. 
Each time they have been giving ridiculous excuses upon excuses as to why my freeze letter containing unfreeze pin has not reached my mailing address provided. 
First excuse was the agent spoken to did not completed the request Second excuse was it was sent to me and it should of been received maybe due to covid the mail service is a little slower. 
Third excuse was that they sent it to a wrong address, which is untrue because to have a freeze place you have to verify all identification on file including address. 
The four time they said address was corrected and you should receive information by mail within 10 business days nothing was received. 
The fifth time called I requested to speak to management and I was told by a representative by the name XXXX who I've spoken to in numerous occasions whom as been sometimes unprofessional told me XXXX was unavailable at this time and he will be returning my call soon, still no response. 
Please assist me in getting this matter resolved. 
Under the Fair Credit Reporting Act it is my right to place a security freeze on my report and this company has not yet complied to my request, instead have been using it to defame my character. 
Thank you for your time on this matter and I hope to hear from you soon. 

Sincerely, XXXX XXXX.
Product: Credit card

Capital One was informed on Tuesday that an improper charge was filed, XXXX times more that actual bill : {$21000.00} versus {$210.00}. Vendor confirmed it was {$210.00} on phone with Capital One and my engineering business. Despite reported fraud, capital One paid the entire fraudulent amount on Friday, wiping out my remaining credit, resulting in rejection of valid charges. After 5 hours on phone attempting to resolve, I was informed it was MY problem to recover my {$20000.00}. Of course vendor, a XXXX XXXX, is not returning either my or Capital One calls. I 'll be taking my business elsewhere and suggest others do as well.