23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/2023 I called our loan servicer and asked to speak with someone who could help us with our loan due to my wife and I both having XXXX twice and me with long term effects. I was offered a 90 day forbearance and told no payment would have to be made until XX/XX/2023. I asked if XXXX 's payment included and was assured that XXXX - XXXX payments were covered. On XX/XX/XXXX we received a default notice from Planet Home Lending. I called and was advised that the covid forbearance ended XX/XX/XXXX at sundown. We never were sent anything advising us that Planet Home Lending denied the forbearance on XX/XX/XXXX. We were never late on any payment or have missed any payment until Planet Home Lending guaranteed us a forbearance, and they have refused to accept their responsibility, have threatened us with foreclosure, have been very unprofessional by threatening us and constantly calling my wife at work after they were advised that she can't have personal calls during work. We were denied our lender information and when we asked for copies of our phone recordings since XX/XX/XXXX, we were told we would need a subpoena. We were told that they would pull the phone records and investigate if they did guarantee our forbearance and a manager would be in contact with us. No manager has contacted us. I've had to request a manager only to be put on hold for long periods of time and then be transfered to another collector. We received a notice that Planet Home Lending could start foreclosure proceedings on our home and to contact XXXX XXXX who is now to be our single point of contact however, we receive calls from collectors asking why we are in default and refusing to transfer the call to XXXX XXXX and again start with threats of damaging our credit and loss of our Home.
Product: Checking or savings account

I am writing the Consumer Financial Protection Bureau as I believe banks could do more to protect their customers during XXXX money transfers. Here is how I lost {$200.00} : I sent money using the XXXX feature on my Ally Bank account to a phone number I had previously and successfully sent money to. Unfortunately, I learned that they had changed their number and the older number I sent it to is not in service ( I tried calling the old number and I get an automatic message saying the number is not in service ). Ally told me there was nothing they could do. XXXX directs me to my bank. 

I have zero recourse. I contacted the intended recipient and they let me know they changed their phone number and that one of their children also recently was unable to recover money sent to her incorrect phone number. 

To clarify the entirety of the XXXX money transfer process, I'll walk through the steps in the paragraph below : I sent {$200.00} on XX/XX/2022 to a family member from my checking account using XXXX from my Ally checking account. I sent money to her about a year ago and Ally still showed them as a recent contact. When sending money, the name of the person is clearly displayed throughout the process. On the last page, right above the final 'Send ' button, there is the following message : " XXXX needs to enroll with XXXX using ( xxx ) xxx-xxxx to get the money. 

By choosing Send you authorize this payment. If you want to cancel before the payment processes, you can go to Activity. For questions, call us anytime at XXXX. '' There is no warning to verify the person 's phone number is correct. When using XXXX with other banks, I would be prompted with the recipient 's first name before I sent the money as a confirmation. Ally doesn't warn or try to protect their customers. 

I talked to the intended recipient and she mentioned that the same thing I'm going through happened when her son tried to send her money as well. They also had zero recourse. It amazes me how there is no consumer protection. Nothing was in place to stop the same issue from happening. No system to flag phone numbers or email addresses. 

To summarize, here are my complaints : 1. Ally doesn't do enough to warn its customers that the transaction is not reversible. One could argue that the message shows on the final 'Send ' page insinuates that the transaction isn't final. There is a false sense of security. 

2. XXXX allows disconnected phone numbers in their system and will take payment without any verification that the phone number is still active. 

3. There is zero accountability. There needs to be a system in place for official complaints to specific email/phone numbers. 

Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2020, XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past several years I have had a collection account reporting by Transunion on my credit report. The account is by a company called XXXX XXXX on Behalf of XXXX XXXX. I have no knowledge of this account, I have submitted documentation numerous times. The collection agency has been unable to provide accurate identifying information to myself or to Transunion yet this account continues to exist on my report. It is re-verified despite proving the original contract does not even contain my signature, nor a correct address.
Product: Credit reporting or other personal consumer reports

I have settled a debt with this CC company and have been paying the agreed upon dues for 3 months now. The CC company is continuing to report delinquent payments effecting my credit score negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

have a few hard Inquires on my credit report, that I don, t know about. 
XXXX 2 time, XXXX 2 times, XXXX. 

dont know if someone is using my info to get credit.
Product: Credit card or prepaid card

I have a WalMart credit card, issued by Synchrony Bank. I always pay my bill in full and on time. This past month, XX/XX/XXXX, I misread my balance of {$80.00} to be {$80.00} and sent my check for that amount. I have trouble seeing well ( I am XXXX years old ). This month, XX/XX/XXXX, I received my new bill and was charged interest fee of {$1.00}. My balance for this month was {$120.00}. I called to complain, and they did take off my interest ; however, when I asked how they could charge that for XXXX cents of unpaid balance, they informed me that the interest is charged on the average daily balance. I still did not understand how I had any unpaid balance for them to figure that on. They could not explain that. I was not able to get any justification for their charging on average daily balance since I was not behind on my payment, and all charges were for the current billing month. Apparently they charged me on my current balance, because the bill stated the interest was charged on average daily balance of {$110.00}. I had not even had a chance to pay the current balance, yet interest was charged. I complain because this was my first encounter of this type of charge and I feel it is unjust, unfair, and fraudulent. I believe there are many others wrongly charged and I want to alert them to this. I also want CFPB to investigate this. I have documentation to submit.
Product: Mortgage

There has to be a better way of doing business! I have been pushing this and pushing this for a rediculous amount of time! 
The mortgage company finally sent me the Assumption Agreement to me after my second complaint on XX/XX/XXXX. My instructions were it had to be dated, signed, notorized and returned within 15 days. Shouldn't they have the a simular timeline? 

XX/XX/XXXX Received assumption agreement. 
XX/XX/XXXX Returned back to SLS XX/XX/XXXX Received it back for complaint about the notory. 
XX/XX/XXXX Returned back to SLS XX/XX/XXXX Received it back for complaint about the notory XX/XX/XXXX Returned it back to SLS Now, XX/XX/XXXX they call and wake me up not even knowing what the name of the person they need to speak with. Preseed to ask for two of my attourneys that worked on this case over two years ago, asking me about an application! 
Why can't they just get my paperwork that is complete, finalized? This is beyond excusable!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I had closed a checking/savings account at US BANK with XXXX and reopened new accounts due to suspected fraud. I had explained to the banker ( s ) that we had Automatic Payments coming from the 'old account ' via either ACH, Check, or Debit Card Number ( s ) that we possibly could cancel or change if needed, but was reassured that they had all the notes in the account and any payments that attempted to pull from the old account prior to the date of close, would pull from the new account ( s ) with no issues. They did tell us that we still had to set up new automatic payments with each company for any future payments, but any prior ones to that day would go through without a problem. They were Wrong. Every payment made from that account was returned, Including the credit card payment that was to be made to my US Bank Credit Card in XX/XX/XXXX. US Bank Did eventually reverse any and all late payment fee 's associated with this error, but apparently did NOT fix the incorrect late payment information they had sent to the credit reporting agencies. Now, we are currently looking to proceed with an application for a mortgage but due to these two wrongly reported late payments, it has dropped my credit score significantly enough to not allow us to proceed. 
On XX/XX/XXXX, I had spoke to XXXX from US BANK via phone about this matter, because he was the person whom I worked with initially on this issue and told XXXX that my wife, would be in touch via email to discus/receive the necessary documents to allow us to proceed with the dispute process. He agreed, and said we would be in touch. My wife emailed XXXX XXXX from U.S. Bank, XXXX XXXX, WI XXXX XXXX Branch, On the same Day in regard to the misinformation that was reported to the credit bureaus from U.S. Bank ; two late payments from XX/XX/XXXX and XX/XX/XXXX. When she did not hear from him by XX/XX/XXXX, she sent another email to XXXX, asking if he had received the prior email. On XX/XX/XXXX, He responded, saying that he had been on vacation and that he would try to get to it that day. She responded that same day to acknowledge she received that email. After never hearing back from XXXX, she tried emailing again on XX/XX/XXXX, asking for his cooperation with this matter, but still have n't heard back. I have tried calling him as well, but have n't gotten through to him or his voicemail.
Product: Credit reporting or other personal consumer reports

I MAILED AND CALLED EXPERIAN, REQUESTING THAT THE ITEMS, ADDRESSES, ACCOUNTS, BE REMOVED FROM MY CREDIT REPORT AND MY REPORT UPDATED AS FOLLOWS, THEY HAVE YET TO DO SO. 

THEY CLAIM THE DEBT IS VALID WITH NO PROOF AND WITH THE LAWSUIT AT HAND, THAT THEY FASLEY VERIFY DOCUMENTS, I DEMAND THAT THESE ITEMS BE REMOVED AND MY CREDIT REPORT AND FILE IS UPDATED.
Product: Credit card or prepaid card

American Express is making frequent and unreasonable attempts to increase the interest rates applied to my account. The increases are in excess of 150 %. I have contacted American Express multiple times to resolve this, and they agree to call off the increase, but they immediately resume their attempts raise the rate the following month. The increases include the regular APR as well as extremely high " penalty interest ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2017, I attempted to gain verification and validation of the debt via XXXX credit reporting bureau. To date, all I 've received was a bill from the original creditor. I do not have a contract with XXXX XXXX nor do I owe them any funds. However, XXXX XXXX is reporting negatively on my credit file. Ref acct. # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, XXXX XXXX credit services incorrectly reported to Transunion and XXXX  credit reporting services that I was late on a payment. XXXX XXXX  has corrected this information and sent notices to all the credit reporting agencies. XXXX  has removed the error from my credit report after filing a dispute. However, Transunion 's dispute system is riddled with errors. 

On Thursday, XX/XX/XXXX, I attempted to file an online dispute with Transunion. The system said they were having technical difficulties. I called the number and the customer service rep said that I could call their Online Support. The number for Online Support is XXXX. Unfortunately, that number does not work. On Friday, XXXX, I once again attempted to file the dispute online, this time with a letter from XXXX XXXX  outlining the error. The system still says it's having technical difficulties. 

Throughout the last week, I continued to try to log in to see if the technical issues were resolved with no result. 

Today XXXX XX/XX/XXXX ), I again attempted to login to file the dispute and got the same technical issues error. So, once again, I called customer service and was given the online assistance number. When I called that number, it still doesn't work. 

I've not had these issues with either XXXX  or XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I received a call from a verified Wells Fargo number, I made sure to check twice whether that number was the one on the back of my card and it was. They called me claiming that sometime in the night someone had used my account number to make a zelle account, they also asked whether I had recently made an XXXX purchase because that could have led to someone getting my information and even whether I had received a code detailing the new zelle account and the transfer of money which was made. They told me that I had to move quickly and that they would transfer me to a department that specializes in zelle in order to secure my money before it would be taken from my account, they even made me write down a case number to have ready for the next representative. Everything sounded very legitimate up to this point and they spoke to me exactly how a Wells Fargo representative would and Wells Fargo had not alerted me of the potential for a scam involving the use of their number which led me to trust them. A representative then manipulated me into putting down their number into XXXX, which I was very confused about but also so scared I would lose my money because I had some important payments coming up so I did it. At one point we got disconnected and I began to worry about whether this was real so I pressed the number to call back and it called the verified Wells Fargo number which further allowed me to trust them and led me to answer a call back from what seemed to be like an extension that was also verified. After answering this call they reminded me of what I had to do and gave me no time to think. In the moment I pressed the send money button after inputting the amount they asked for, {$990.00} I was filled with regret as I realized what just happened and asked to speak to a supervisor and then was hung up on. I immediately called Wells Fargo but typed in the number directly into the phone and I hoped that they would do something for me, but although there was much sympathy im not sure if they addressed this situation as quickly as they could. I later called back a couple of times ( once every week except for last week ). I called the Wells Fargo customer service department where I was informed that my claim had been denied, I received no communication of this and wouldnt have learned unless I called. I then called their XXXX fraud department and they told me they were in talks with the scammers financial institution to get my money back but I have received zero communication outside of the phone calls, where all they told me was just keep an eye on your account, if we get your money back it will be put into your account immediately. I am XXXX XXXX XXXX and have a lot of important payments to make soon and I have tried everything I can think of to get this money back which I was going to use on a surgical procedure for my dog, Wells Fargo has not informed me through any sort of communication that they are still trying to get my money back, through this entire process I have had to chase after them and Im not sure they are working as hard as they claim.
Product: Debt collection

Recently received a debt collection from Weltman, Weinberg & Reis Co. LPA  concerning a XXXXXXXX XXXX debt This debt does not belong to me & likely the result of ID Theft. I contacted the law firm that represents our family and was informed to : File an ID Theft complaint through the FTC ; I have ( see attached ) Place a security Alert : Which I have through XXXX Request a copy of my current credit report : I have and currently waiting for it. 
Take meticulous notes & Create a file To make sure all communications are written via email, letters etc ... 
Request full disclosure of this debt which may help myself and/or law enforcement Therefore, I am formally disputing this debt as mine and requesting any and all information including the original application, recordings, emails, notes, anything else connected to this alleged debt. from XXXX XXXX * A copy of all attachments has also been mailed out
Product: Credit card or prepaid card

I received 2 calls outside of the time the company is able to call. The first call was on XX/XX/XXXX @ XXXX XXXX. I informed the representative that my local time was outside the allowed time. The representative verified my Arizona mailing address. The representative apologized and terminated the call. I then received a call on XX/XX/XXXX at XXXX XXXX. Again, I informed the representative of my local time, she continued the conversation and then when on to say that " by law, we can call until XXXX XXXX, I then repeated that it was XXXX XXXX. She continued to attempt to collect a late payment from me and I stated I was asleep, and have to be up at XXXX XXXX, I would schedule on my phone app.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

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 XXXXXX/XX/XXXX The following inquiries were not and should not be reporting. 

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I made a purchase on XX/XX/XXXX for some items from XXXX XXXX online XXXX XXXX XXXX for {$180.00}. It appears that the company is based in XXXX. I noticed that in XX/XX/XXXX, I still didnt receive the items. So I requested a refund. The company admitted that my package was never delivered to me and told me they would give me a refund once they received the items back. I did not receive the refund as I cant return what I dont have. So I filed a dispute with my credit card company, Apple Card. As of yesterday, the company refused to give me a refund and the Apple Card representatives said because the companys provided proof that I purchased the items and the company said they were giving me a refund, they are ruling in the merchants favor regarding the dispute. Therefore, the {$180.00} charge will stay on the card.This is not acceptable because I never received the items and the company has not given me a refund. Apple Card is not a safe credit card to use.
Product: Payday loan, title loan, or personal loan

Company refuses to accept payments that have been established by credit counseling services because of my financial situation. They are abandoning the principle of something is better than nothing.
Product: Credit card or prepaid card

I purchased a new vehicle and was offered a platinum credit card with a $ XXXX limit as part of the package. At the time of the offer, my mid credit score was 725. I had no late payment history for over 5 years, no charge offs etc. My credit score was steadily rising. According to my calculations, by XX/XX/XXXX if I continued along the economic plan I pursued, my score should have been XXXX poss XXXX. Once I became a member of First Tech things began to immediately go wrong. # 1 the vehicle I used as a trade in was not paid off in a timely fashion causing my credit score to take a hit. The payoff came 3 months after we closed the deal but I was being told by First Tech that there must be some confusion on the part of my other credit union because they paid. They did not pay. As I used the card, I immediately paid off the charges usually not carrying a balance longer than a week to 14 days. Unknown to me as my usage increased so did my interest rate. It was approximately a year or so before I learned of the increase. I was upset because I had no late payments, I carried no balance, I had not overdrafts etc. This was approximately around XXXX. I attempted to negotiate a better rate but was unsuccessful. At this time I also began carrying a balance but again was keeping up successfully with the payments until the fees and the interest continued to increase. I was being charged unbelievable fees for cash advances and my payments were not being applied as I thought. I was told payments made for cash advances instead went to other charges that might have preceded the cash advance. I was also being charged repeatedly for the same cash advance month at an increased rate each time due the rising interest rate and the rising balance. I believe this has became predatory lending. My score has steadily fluctuated during this period which contributed to increasing rates and debt to income ratio according to First Tech. In XXXX I attempted to obtain a loan to get out of my credit card debt and auto loan with First Tech but was informed by my mother credit union that First Tech had not been reporting my auto loan or credit card history. This led to my file showing not enough credit history. First Tech has made me look like a credit risk. I now have a score according to the other credit union in the 500 's. I was recently denied a loan. First Tech reported a non-payment because the payment was short by {$18.00}. I have attempted several times to restructure the credit card debt. I have attempted to close the account. First Tech has been resistant. I even attempted to put it into forbearance but that was short lived. A search off my credit history will show this is the only account where I have issues. I have maintained a mix of credit and have paid off several loans while with them. They block my success with unfair fees, misleading credit entries, and rising rates. Why was by auto loan 4.55 % and my credit card 11 % when they both opened at the same time.