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

My phone was stolen and all of my information was compromised including my personal banking information. The person was able to transfer {$4500.00} electronically from my bank account to a third party company. The third party has no contact information so I then reached out to Bank of America multiple times with to initiate a claim and get updates. I was never notified about the status of my claim except for when it was denied and closed without any explanation. I not only had to continuously explain myself 10 different times to 10 different people but not one specialist that I spoke to can accurately tell me the proper protocol for a customer who is experiencing fraud on their account. I also learned that they did not accurately document anything that I told them even after the calls were monitored and recorded. I explained that I am in a situation where I can not move forward as far as maintaining my bills because I did not have the proper funds to do so.
Product: Credit reporting or other personal consumer reports

Company sold my information to third party creditor without consent.
Product: Checking or savings account

Chime Bank or the XXXX closed my account without at least a 1 day notice. I have funds coming to that account this week before the holiday. I called Chime and sent emails requesting reasons as to why my account was closed, but no real response. My name is XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained my credit report from each of the four major credit reporting agencies ; XXXX XXXX XXXXXXXX, experian and XXXX. Ive discovered a bankruptcy was listed under my name. I had no idea my information was given to the credit bureaus without getting permission nor any acknowledgment. I contacted all four credit bureaus, sent out dispute notices and they was unable to rectify the situation. According to the 15 U.S.C 1681 a.1.a law there should not be any damages to my report and its a defamation of character.
Product: Credit card or prepaid card

Citi Bank did not apply the 24 Month Interest Free Promotion on my XX/XX/XXXX, XX/XX/XXXX combined contract purchase of {$4400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX attempted to enroll in Federally Facilitated Marketplace training through XXXX agent portal. Was told by Experian that they " could not verify my identity. '' This is really interesting to me as I own a home, have called several times, have driver 's license, military id cards, social security cards, medicare cards as well as being a XXXX XXXX XXXX   in Colorado and Florida. I am working for XXXX  XXXX during Open Enrollment. Have gone through many hours on the phone trying to get this straightened out. It was finally straightened out, I did an enrollment on healthcare.gov Friday-no issues. Was doing an enrollment last night and ran into the same thing-we can not confirm your identity. 
I have had it with these people. Experian says I put a freeze on my account-I do not recall doing so. I paid them to overnight a pin so I could get this straightened out-it is messed up again.
Product: Mortgage

In the XXXX, my Homeowners Association notified owners that the building 's master policy was changing, losing some level of coverage, and to confirm with our home insurers that we were still covered. In XXXX, I received a warning from my mortgage servicer, NewRez LLC, that they had been alerted to the change, and would be purchasing insurance on my behalf if I didn't prove that I was covered. I called XXXX, and they assured me that I was in fact covered, and sent an updated copy of the policy. 

On XX/XX/XXXX, I emailed the policy to XXXX using the email address they listed on their website, and received no confirmation. 

Around XX/XX/XXXX, I received more mail from XXXX threatening to purchase insurance on my behalf if I failed to upload my homeowners insurance documents to a given " portal '' website, completely different from their actual website. The letter identified themselves as a " debt collector '', which I suppose is technically true, but clearly threatening and even misleading. I went to the site, XXXX, and uploaded both my original policy and the current renewal. I received no confirmation. 

Today, XX/XX/XXXX, I received the same notification of the need to upload my insurance information, along with a " Evidence of Hazard Insurance '' document, wherein NewRez followed through on their threat, purchasing a year 's term of insurance from " XXXX XXXX XXXX XXXX XXXX XXXX '' in the amount of {$4600.00}, which will be taken from my escrow account. Interestingly, it is effective XX/XX/XXXX, well before the first notification that my insurance had " lapsed '' ( even though according to XXXX, I'm covered ). I again went to the same website, re-uploaded the documents, and received no confirmation.
Product: Student loan

I have been working with Navient for a few years ever since they went from   XXXX   XXXX   to Navient. Initially, they kept having me put my loans in deferment/forbearance and then stated that I had no other options for re-payment and just needed to pay what they were asking. After going back and forth with them they stated that they had a " income based re-payment plan '' that they could put me on. The payments were almost just as high and I still could n't make those payments. I 'm currently still on the payment plan but I am still having trouble making the payments and they say there is nothing more they can do for me. Sorry I do n't have dates.
Product: Consumer Loan

hello my name is XXXX XXXX, my complaint is that I got a loan for {$2600.00} with cash call, is been a year of paying {$290.00} and is always the same amount, I am so desperate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting your assistance to resolve this urgent matter. 

My complaint is about negative information on my credit report that create difficulties for me to receive loans. During my divorced, I have, and still is experiencing financial hardship as a result of three companies restraining my ability to obtain loans from other companies. These fouXXXX companies that are hindering my ability to receive loans are : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, andXX/XX/XXXXXXXX/XXXX XXXX. All four companies were paid in full and loans satisfied. 

For instant, XXXX XXXX ( XXXX XXXX XXXX XXXX ) received last final payment of {$6600.00} for an automobile loan on XX/XX/XXXX. There was a four years commitment to pay off this automobile loan for {$26000.00}. I paid it off within that frame of time, four years. In spite of my difficulties, I managed to keep my commitment payment agreement. I believe negative information should be removed due to circumstances mentioned. 

Furthermore, XXXX XXXX account sprung up from nowhere. I never applied for aXX/XX/XXXXcredit card from this company. There was a credit union who sold the company to XXXX XXXX. I wrote the credit bureau about my account being switched and I did not receive any options from the credit bureau to clear the matter. On XX/XX/XXXX, XXXX XXXX account opened and it has been updated as of XX/XX/XXXX. These last payment made on account was XX/XX/XXXX. XXXX XXXX account is current and pay as agreed. I was surprised to see an adverse remarks on XXXX XXXX account. These negative remarks must be remove because I gave this company my full efforts to pay on time and I did not abuse my credit limit amount. 

Additionally, XXXX XXXX XXXX XXXX has been paid in full on XX/XX/XXXX for {$4100.00}. I did not escape my responsibilities for not making payments, because it was my obligations to do so. I am requesting the late payment be remove because of my efforts to steadfast of my obligations and to not make matters worse. 

Finally, XXXX/XXXX XXXX, this account is current and paid in full. In advertently, due to some error, I have a 30 day delinquent on my account that must be removed, because this also hinder my ability acquire loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you to request that you remove the following unauthorized inquiry ( ies ) from my credit report : Creditor : XXXX XXXX., XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX - XXXX Inquiry Date : XX/XX/XXXX I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below, and I have included proof of my social security and current address to avoid any delays in your response time. 

I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance. 
Sincerely, Thank you for your assistance in this matter. 
Sincerely, XXXX XXXX,
Product: Debt collection

I was recently called by Santander after they had called a family member, and discussed my debt to her. The mediator for Santander stated that he would find me, and I had a debt from over eight years ago that they would try and collect. They said my account was started back in XX/XX/XXXX, and XX/XX/XXXX. I have not paid anything to them, which would restart my account. I told them the debt is eight years old, he fought with me about the money owed, and I would be sued for the balance and lawyer fees.

I did notice that Santander did check my credit report twice, which I do have screen shots of the dates, and has watched my account. The mediator stated they would serve me papers of a lawsuit against me if I didn't pay, and that I was becoming angry with him. I did not yell, become mean, or say anything negative towards him.

The mediator did raise his voice, stating again, " I thought you would work with us, I will just look you up, and send papers to you for court. I tried to make this offer to you, but we will just serve you ''. I said, " That is fine, I did not become angry with you, I simply stated facts, and I will deal with this once you serve me ''.

This is a debt from XX/XX/XXXX. Yes, I wish I didn't have to go into debt, but life happens. You lose jobs, family dies, and you are forced to move. This has made my days since then stressful, and I am constantly thinking about the rude man I talked to. I have researched the statue of limitations for this, which are six years, and seen that this was the website to seek protection against collection agencies that have no grounds from there penny on the dollar debt buys. Below are four files, two talking with legal aid, and the other two from my credit report showing Santander monitoring me for years ( XX/XX/XXXX, XX/XX/XXXX ). Hard inquiry into my credit report.
Product: Checking or savings account

somebody hacked my direct Express card I still have it in my possession and they took {$670.00} XXXX reported it on the XXXX on the XXXX I received a new card but they still haven't replaced the money and then you can't get a hold of anybody to speak to
Product: Money transfer, virtual currency, or money service

My friend from out of town was visiting me. She didnt have Zelle her uncle needed to send her money during Covid why she was visiting me. He Zelled my account the money and I sent it to her via cash app. Once she received the money. Her uncle filed a claim on his side saying he didnt mean to send the money to me. The bank closed down my account & Zelle for 3 months while investigating. After 3 months nothing was resolved. He claimed he didnt do anything that the bank was lying.
Product: Student loan

I began attending XXXX XXXX at age XXXX and began signing loan documents while I was still in XXXX school. I have accumulated XXXX loans to both private institutions and the federal government totaling over {$50000.00}. I have an XXXX which has not been accepted for transfer to any four year institution at which I have applied. Numerous XXXX have also rejected the authenticity of my degree. Therefore I am stuck with a degree I ca n't use and {$50000.00} of debt.
Product: Debt collection

This complaint is my debt was settled with Synchrony Bank after they had offered me a settlement amount {$1000.00} ( 3 Installments = 2 x {$360.00} and 1 x {$370.00} ). Per my conversations with numerous representatives from Synchrony Bank, please see attached notations made by me with dates, times and conversations. 
I am filing this complaint because I believed Synchrony Bank subsequently were Unfair, Deceptive and used abusive practices when they reported negative information about my account repayment to the Credit Reporting Agencies providing inaccurate information which is detrimental to my credit and is unfairly hurting my financial ability to raise my family after they made an agreement with me for a settlement amount, in which I paid them that said amount. 
Filing this complaint was my last course of action because I have reach out disputing through the Synchrony Bank and the Credit Bureaus and nothing has been resolved. I have spoken to numerous representatives for Synchrony Bank, including but not limited to the following : XXXX ( ID # XXXX ) located in the Ohio Office on XX/XX/2019 at XXXX XXXX. In addition, also on the said date, I was transferred to XXXX in the Collection Department at ( XXXX XXXX XXXX XXXX XXXX. On XX/XX/2019, I spoke to XXXX in the XXXX, he stated he could not provide his ID Number or extension to me, however, she stated he went ahead and filed a report on my behalf. After speaking with XXXX, he transferred me to the system to make the 1st Installment of the Settlement Payment. The system somehow was unable to take my credit card payment. 
On XX/XX/2019 at XXXX I spoke to XXXX in XXXX who took my payment and provided me a Confirmation Number : XXXX. On XX/XX/2019, I wanted to speak to a US Representative to confirm the conversation I had with XXXX on XX/XX/2019 in regard to removing the Charged Off from my credit file. After I was on hold for a few minutes, I spoke to XXXX XXXX ID # XXXX XXXX in XXXX at XXXX. She stated the US office closed at XXXX she then confirmed that the account was Charged Off and closed on XX/XX/2019 the same day, they told me to make the fist payment which was due on XX/XX/2019. I was upset but nonetheless, I requested a supervisor to give me a call back. 
On XX/XX/2019 I XXXX I spoke a Resolution Specialist, Tallyn at Extension XXXX I explained the situation and she instructed me to go ahead and make the final payment of ( {$370.00} ) which I comply and she stated, shell go ahead and take care of the issue and to extend her some time to research the issue and get back with me. 
The actions that took place was that I tried numerous times to reach her but to no avail. However, I later received the attached letter in the mail dated XX/XX/2019 stating the account is closed and that synchrony had that right. Subsequently, nothing has happened to rectify the situation to show Paid in Full for a lesser Amount and Not the Derogatory Status as currently being reported by the Credit Bureaus as Charged Off.
Product: Money transfer, virtual currency, or money service

I closed my paypal credit account earlier this year and tried to reopen starting in XXXX but Paypal and I have called them numerous times. They said that their company is changing their funding bank and they keep saying that they expect it soon and keep giving me dates it should change. I feel because I come from a conservative state and they are notoriously a liberal run company as evidenced by their refusing to put a paypal facility in N. Carolina just because N.C. wants males to use male bathrooms that they are trying to punish people from conservative states that don't agree with their liberal policies. I had that account for many years and first obtained it from the XXXX XXXX XXXX company before Paypal took it over. I have paid this account back for many of years and even the representatives I have talked to don't understand what is holding it up. Paypal has sent me several letters telling me to contact them directly but each time the representatives turn me down due to this supposed change of bank. It's time someone at Paypal fixed this or get off their a -- and opened my account back up.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 my wife and I were filling out a loan application for a new home. Every time we have tried they always just tell is we dont have enough credit. Well this time the lender asked us if we may have a freeze on our credit. We were unsure of that not even knowing you could do that. We called and we did on our Equifax reports. She was able to have hers removed. But they wanted me to send in my personal information through the mail to verify my identity. They asked me for my social security number and date of birth, then told me it didnt match their records and wouldn't help me any further. I refuse to send in my personal information through the mail when I did not place the freeze on my credit!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent all my information in several times and they'd never helped me fix it but any form shape at all you're not helping me out with trying to fix the problem they avoid me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple inquiries from a company called : Carmax Auto Finance The dates are : XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX I do not have any services with this company and I do not know who they are. Additionally, I do not know how or why they obtained a copy of my XXXX  credit report.
Product: Mortgage

Wells Fargo Home Mortgage made unauthorized changes to the terms of the home mortgage. The bank extended the loan an additional twenty years. Thus, increasing the amount of interest that my late husband and now I have to pay. By this increase, the interest for the additional years added to the mortgage totals {$600000.00}. After the passing of my husband, they are getting mortgage payments from me and threatening to take my home if I don't pay, while I did not sign anything for this loan. Now, they are adding to the length of the loan another 20 years. 

They also increased the mortgage from $ XXXX/month to  $ XXXX/month. For a period of five years, without me or my late husband 's knowledge or consent, they did not apply any of the mortgage payments to the principal and they extended the length of the loan to another 20 years. I am paying and paying and see that my credit does not change. 
Wells Fargo sent private confidential financial information to a person named XXXX XXXX, who lives in XXXX XXXX, XXXX. Wells Fargo is a thief. I need help from somebody to put these unethical, deceptive and predatory thieves liable for their illegal and fraudulent actions. What is this 20 years they added to these payments? Please help! 

While my husband was living, he had a corporation, in which all of his receivable accounts was going to Wells Fargo ( Wells Fargo account numbers XXXX and XXXX ). Without my authorization or notice they gave these accounts to the employee of the corporation. This Wells Fargo is out of control. Please help!
Product: Mortgage

Earlier this month I refinanced a home mortgage. The servicing of that loan was immediately transferred. This evening I received a pre-recorded phone call on my home land line that purported to be from my new mortgage servicer. The message used my name and my spouse 's name. It asked that the recipient press a number if he was one of those people. I followed the prompt. I was then asked to key in my zip code. It struck me as suspicious that a message from a bank would ask for any personally identifying information, so I did not provide my zip code. I remained on the line to hear any additional information or find out if I could speak to a live representative. I was then given the option of " taking a message, '' which I selected. The message instructed me to call a toll-free number by XXXX XXXX and to give a " personal message code, '' but did not state why. I hung up and called my bank directly for more information. My bank 's fraud department did not recognize the number that called me or the phone number I was instructed to call.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due  XXXX ,  XXXX , 60 days  XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Mortgage

I applied for a loan modification with Suntrust Mortgage. I qualified for an modification option to convert from an ARM to a fixed rate mortgage. I was 6 years into the mortgage. I am a divorced mother of XXXX and ex-husband was on original loan. In divorce he had to quit claim as I did on his property. 

Suntrust required him to sign modification application but then when presented with quit claim, allowed me to proceed without his signature. I have completed the 4 month trial period and loan mod docs have been sent to me. 

Problem : They are now requiring ex-husband signature now. He is an unfriendly/uncooperative party and is trying to leverage his signature with his lawyers for a percentage ownership in the property and other stipulations. 

Suntrust will not let me sign alone even though I made the application alone and the calculations were based on my income alone. I need them to be compelled to allow me to sign alone. 

If I ca n't execute this modification I will have to default as I owe 6k on demand to go back to the original structure. The ex does n't care about defaulting he has family money and many lawyers. Please help me compel Suntrust to allow my sole signature on this modification.
Product: Debt collection

On XX/XX/XXXX received letter from collection agency, MRS BPO LLC, that I owed an overdue debt of {$780.00} to a company called XXXX XXXX. I attempted to call MRS BPO LLC at XXXX but disconnected the call as they wanted my social security number. I mailed them letter disputing the validity of this debt on XX/XX/XXXX. Their letter stated that I had 30 days to respond to this letter to dispute validity of debt. I called this number again on XX/XX/XXXX and left information but was not able to speak with anyone. I called XXXX XXXX on XX/XX/XXXX to dispute this debt. I have never used XXXX XXXX. They did verify that the address on the account with them was not my address. They took my information and said a representative from their company would call me back. XXXX XXXX called me on XX/XX/XXXX and I was told to file a police report and a report at FTC.gov. Once I did this to send this information to their XXXX XXXX  at XXXX. I filed police report on XX/XX/XXXX. On XX/XX/XXXX received a degradatory against my credit filed by MRS BPO LLC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from the court that Transunion claimed they verified a XXXX  XXXX bankruptcy Reference Number ( XXXX ) reporting on my credit profile. The court stated that they do not report information to credit reporting agencies and XXXX  XXXX. They also stated that they do not verify information with credit reporting agencies. I have sent Transunion documentation that they ask for to remove this public record. but it has been removed or verified.
Product: Credit reporting or other personal consumer reports

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