23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I set up an XXXX account for online dating on XX/XX/year>. After experiencing the platform and realizing their product did not perform as advertised I wanted to remove my account and cancel my membership. After attempting to cancel my account continued to show as active and charged my card without my approval. XXXX XXXX disputed the charge and agreed that XXXX should not have charged me for my cancelled membership and returned my money to me. 

I attempted to continue to fully shut down my account but their system will not allow me to remove my photos or personal information from their dating profiles. 

On XX/XX/XXXX I received a notice from XXXX  for a debt collection. This is a debt I do not owe as I cancelled my account. I disputed the debt on the XXXX  website on XX/XX/year>.
Product: Mortgage

Regarding the COVID-19, the Homebridge loan institution in NJ hasnt been offering any type of help during this time. They have it online that they can suspend the payment for one, two, or three months but you would need to pay the full amount after your payments begin. So if you select XXXX and XXXX payments to be suspended, in XXXX you need to pay for XXXX, XXXX and XXXX. I dont see how this is any help or concern during this time. 
Why cant they have those payments to be broken down or have them pay at the end of the loan. 
Below is the information of the institution : Home Bridge Financial Homebridge Financial Services , Inc . 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX NMLS ID # XXXX XXXX Homebridge Financial Services , Inc . 

I have called and after speaking to a rep, I was told that this was the only option and if you still cant make the payment then adjacent s would need to be made to your loan and that would effect your credit score. 

I dont understand these type of institutions, instead of helping in these times, they are trying to make things worse for people down the road. While on the phone and I mention to them that a similar situation happened in XXXX and after the consumer finances got involved they changed the offering ( they hung up on me as I was speaking to them about this and never got a call back ) Hope this email is helpful to make a change Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In according 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 XXXX XXXX  Account number # XXXXXXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX  XXXX Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX  XXXX Active last reported XXXX XXXX opened XXXX XXXX XXXX type Revolving Industry Clothing Loan type charge account Limit {$1000.00} past due =========================NOT MINE ============================== XXXX XXXX {$1500.00} credit card Limit {$2000.00} ===================================================================CITI {$1500.00} ALL THIS ACTIVE ACCOUNTS ARE IN MY CREDIT REPORT I DID NOT DO THIS OR GAVE MY PERMMISSION TO NOONE TO OPEN THIS ACCOUNTS XXXX XX/XX/XXXX XXXX   XXXX XXXX  XXXX XX/XX/XXXX XXXX/XXXX  XXXX  CREDIT CARD, TRAVEL/ENTERTAINMENT XXXX XX/XX/XXXX XXXX CREDIT CARD, TRAVEL/ENTERTAINMENT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Mortgage

I had a mortgage with XXXX. The last time we made a payment on the account was XX/XX/XXXX. XXXX sold the account to Seterus in XX/XX/XXXX. We never had any dealings separately with Seterus. They took over the XXXX account. We sold the house in XX/XX/XXXX and paid off the mortgage. Seterus is incorrectly listing the account opened in XXXX and listing it as a foreclosure on one credit report. The account was never opened with them in XXXX. We had no dealings with them other than selling the house in XXXX nor did we ever take out a mortgage directly with them. 
There was a class action suit against them in XXXX because of their lending practices so we are not the only ones who have had problems with them.
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to XXXX willful noncompliance with the Fair Credit Reporting Act ( FCRA ). Despite multiple written requests, Experian has failed to verify or remove impermissible and unverifiable hard inquiries, soft inquiries, and promotional inquiries from my credit report.

1. Hard Inquiries : Experian has reported hard inquiries that are not directly tied to credit products I currently hold, violating FCRA Section 604 ( a ).

2. Soft Inquiries : These inquiries are unrelated to legitimate purposes or products I currently hold and are therefore unauthorized.

3. Promotional Inquiries : Promotional inquiries must meet prescreening requirements under FCRA Section 604 ( c ). Experian has failed to demonstrate that these inquiries serve a legitimate purpose or comply with FCRA requirements.

Identity Theft Report Filed : In XX/XX/year>, I filed an identity theft report with the federal government regarding fraudulent activity on my credit report. Under FCRA Section 605B, Experian is required to block or remove all fraudulent or unauthorized information within four business days. Despite this, the impermissible inquiries remain on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following accounts from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach and these entries are unauthorized. 
The following accounts must be blocked and deleted immediately : XXXX XXXX - XXXX - XX/XX/XXXX - {$820.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$240.00}
Product: Mortgage

I am current on my mortgage with Chase Bank and have been since XXXX 2013. My interest rate of 10 % is a predatory loan which I have tried unsuccessfully to modify twice with Chase to no avail and can not qualify for HARP because my loan is not with XXXX. Chase continues to add unwarranted fees such as having someone come by my house, which I 've been in for eight years now, to make sure " my family still lives there ''. I was just put in collection in XX/XX/XXXX while not being late on my payment. When asked why, I was told because my payment was late. Clearly it was not. They waived the late charge but I 'm not sure they will report this correctly to the credit bureau. I need help getting rid of this loan and refinancing to a market rate loan. Please help.
Product: Debt collection

Jefferson Capital- XXXX 
I have sent multiple dispute letters to XXXX XXXX XXXX.
Product: Checking or savings account

Due to Covid-19, my household has faced a reduction in income. We are just getting back on track with bills and managing everything at the same time. However, in the course of the last few months we have had a few returned payments from ACH payments related to our bills that were set on AutoPay. Navy Federal Credit Union has charged us over {$600.00} in returned payment fees, many of which were for the same bill that attempted to be drafted more than once. We have reached out to Navy Federal on multiple occasions, via phone calls, in person visits and in writing, requesting that at least some of the fees be returned as goodwill in order for us to continue getting back on track during these hard times. However, Navy Federal has denied our request for the fees be returned stating our account was not eligible and replied to our letters stating they were available to answer questions regarding the fees but we haven't made progress as far as having any fees returned.
Product: Credit card

There was a charge on my credit card for {$2500.00} on XXXX Been calling about this and just keep going back and forth with the bank and company. Chase told me to contact them and get proof and I got it now the company is telling me that Chase has to solve it.
Product: Mortgage

Homebridge took my mortgage loan over in XX/XX/XXXX because I had done so good in 1st year on FHA loan and I received lower interest rate. 

XX/XX/XXXX Called Homebridge to request Forebearance XX/XX/XXXX logged into website on Homebridge to pay monthly loan and showed I owed XXXX and XXXX so I called CS  Rep said Forebearance done incorrectly so paid loan to XXXX and put me properly in Forebearance for XXXX XXXX XX/XX/XXXX Homebridge sent me letter saying they sent Credit Bureau incorrect info and they have fixed it and will take 30 days and apologies that credit was dinged when should not have been. ( attached ) XX/XX/XXXX Forebearance ended Loss Mitigation told me I was approved to pay XX/XX/XXXX at the end of loan, it was deferred. 
XX/XX/XXXX went to pay loan and logged into Homebridge and saw random bank account on my profile ( picture attached ) o Called Homebridge, CS  Rep said this was my fault, I hadnt logged in though since XX/XX/XXXX and at that time that account was not on profile, I tried to explain but agent would not listen to me and just kept repeating this was my fault. 
XX/XX/XXXX called Homebridge and made over the phone payment for XX/XX/XXXX XX/XX/XXXX called Homebridge again to pay XXXX. 
XX/XX/XXXX called Homebridge again to pay XXXX. 
XX/XX/XXXX set up online payment to pay XXXX and showed I didnt owe double mortgage payments XX/XX/XXXX sent info that Freedom Mortgage bought my loan XX/XX/XXXX XXXX XXXX  said to send XX/XX/XXXX and XX/XX/XXXX bank statements to show I paid XXXX and it was not sent back to my checking account XX/XX/XXXX called XXXX and still no answers and said to check back XX/XX/XXXX. 

The entire time I have asked to speak to supervisors and for help and have never heard from a supervisor and have never had anyone truly help me except to blame me for all of this and also being called a XXXX.
Product: Checking or savings account

Bank of America Account XXXX XXXX XXXX XXXX ) I have a bank account with Bank of America Account ( XXXX XXXX XXXX ) that was recently closed, after being hacked into. 
On or around XX/XX/XXXX of 2020 I filed a claim and reported my account had been hacked into because I had charges on my account that were not mines. My claim ID was XXXX. While speaking with Bank of America they blocked my account and added an {$880000.00} hold put on my account. After that I had some important transaction that were declined. This cost me to have one credit card account closed ( Premier Card ) and my vehicle was repossessed ( Texas Trust ) due to this. Last statement for this account was a total return of {$10000.00} transaction that were closed. Without payment. 
I asked Bank of America to provide me with a letter stating why some transactions were being cancelled or not paid and state fraudulent activity was on my account. I spoke with them via XXXX direct messaging. They stated they do any letters and would not help. If they had of provided this I would not have had any issues and by law they have to provide something stating this if they go into my account and put it on freeze. As of right now I will be in financial ruin if they dont respond fast and provide me some type of letter that will help me. 

I also didn't get a new bank account until XX/XX/2020. So I had no money to withdraw from and had to max out some credit cards. 

Now the only way I can get my truck back is to pay the total of the loan, which is {$40000.00} until XX/XX/2020. I was only behind by 10 days.
Product: Checking or savings account

On XX/XX/XXXX, I received a garnishment order in the mail from the Department of Revenue of North Carolina. The order was issued on XX/XX/XXXX. On XX/XX/XXXX, I was sent a notice from Wells Fargo that they withdrew {$270.00} from my account, and charged me a {$120.00} " bank fee '' to withdraw the money. 

I have many issues with how Wells Fargo has handled this garnishment order : 1. The notice that they sent to me does not specify that a hold has been placed on my account for those funds. It says the funds have been withdrawn from my account. Possible UDAAP violation ( Attaching copy of notice ). 

2. The notice does not provide the phone number for the XXXX XXXX XXXX department. Instead, it lists the phone number for Wells Fargo Customer Service. When I called the number listed on the notice, I was told that I needed to call XXXX XXXX XXXX to get more information on the matter and was given the phone number to contact them. If I need to call them to resolve an issue, their phone number needs to be provided on the notice sent to the customer. This is a clear UDAAP violation. 

3. When I first called Wells Fargo Customer Service, I told them that I wanted to see a copy of my account agreement, specifically where they specify that they will charge me {$120.00} upon receiving a garnishment order in my name. They told me to talk to XXXX XXXX XXXX. XXXX XXXX XXXX was not able to send me the account agreement, and told me that I needed to call Customer Service back. I called Customer Service back, and they informed me that they could n't provide the agreement. I asked to speak to a supervisor, because this is a clear violation of Regulation DD ( 12 CFR 1030.4 ( 2 ) ( 1 ) : A depository institution shall provide account disclosures to a consumer upon request. If a consumer who is not present at the institution makes a request, the institution shall mail or deliver the disclosures within a reasonable time after it receives the request and may provide the disclosures in paper form, or electronically if the consumer agrees. ). I was told again that I could not receive the disclosures through Customer Service, and I told the supervisor again that I understand they did n't have the capacity to send them, but that not being able to send them is illegal. He escalated me again, and someone told me that there was difficulty sending the agreements because I am a XXXX legacy customer, and that someone would call me back tomorrow with more information. Someone without my knowledge of consumer regulations would not have been able to get those escalations. This is both a clear Regulation DD and UDAAP violation.
Product: Mortgage

XX/XX/2021 I have applied for a mortgage loan to refinance my first and second mortgage on XX/XX/2021. I used bankrate.com to find the best rate based on my credit score and I chose Ally Bank. 
I was directed to Ally Banks website which I learned later on that it was Ally Bank Powered by Better! After I entered m y information, I received a call from Ally Bank employee who reviewed my application and credit score ( FICO XXXX was chosen as the middle score ). He told me that in order to lock the rate, Ally needs a credit card and payment for the appraisal. I received my rate lock ( loan lock ) sheet the same day for a jump loan at 2.375 % interest rate. 
I gave my credit card information to Ally Bank. I got a call from XXXX ( Ally Banks appraisal service ) within a day or so, and by Saturday of the same week ( within 2 day ), my home was appraised. 
I continued receiving multiple documents request, as tasks, and I continued completing all tasks. I was assigned a loan processor in California and continued to work with XXXX XXXX 
The appraisal came at $ XXXX and the XXXX was very low. 
XXXX XXXX XXXX tasks and submitted the package for underwriting review. 
I received another loan lock sheet from Ally Bank and they added to the points telling me that the points would be higher since I am combining my first and second mortgage ( HELOC ) into one loan. I went back-and-forth with Ally representative by finally gave in so that my loan would go through. 
Initially I had indicated to Allys representative that my loan was in forbearance during Covid-19. The representative indicated that that was not an issue. I wrote Ally a letter and explained everything at the beginning as well. 
All of a sudden, I was told by XXXX that their underwriting department has not approved my loan due to number of credit inquiries as well as missed payment! This was very strange to say the least because I was never asked to explain anything about these issues. 
Ally refuses to honor the rate although I have EXCELLENT FICO score and payment history. I feel like they have found an excuse not to honor the rate since the rates have gone up! My attempts to reach out to someone have gone unanswered. I keep receiving email confirmation from my Ally Banks loan processor, XXXX that my case is escalated to their Executive Customer Relations. I have not heard from anyone although I have repeated called and emailed them. 
I want Ally Bank to honor that rate that they have locked me at.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : 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: Credit card or prepaid card

American Express closed my card and began calling my company over and over again as a result of that closing with their internal debt collections. I asked numerous times for that to stop and finally lodged a complaint. I continued to pay the payment minimum balance but did not set it up on an auto draw so they would assume it would not be paid and start all over. I paid my XXXX payment online minimum balance as reflected in their website and now I am getting calls from an attorney representing them. I believe that this was retaliation for the complaints against them breaking rules and constantly calling my employer even after receiving written and verbal requests not to do so. I am not able to get online to make my payment today and have no intention of settling this debt at a lower amount.
Product: Checking or savings account

I deposited XXXX checks on the same day each {$510.00} on XX/XX/XXXX. as per US federal regulation I am supposed to receive at least {$220.00} out of my check. Chime has refused to release my funds and is holding them until XX/XX/XXXX at XXXX. I have not been able to pay my rent or any bills because of this neglagence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

Complaint # XXXX was made in XXXX XXXXXXXX almost an entire month ago. Im starting a new complaint regarding the lack of professionalism, courtesy, and consideration displayed by Bank of America prepaid card services department. I have a claim totaling a little over XXXX which was made back in XXXX. I have been waiting on. Decision with this claim for over two years! Not receiving decision has cost me an eviction from my home, because I essentially lost {$9000.00} and couldnt pay my rent. Regardless, I have submitted an extremely in depth, detailed, paperwork and documents supporting my claim- and still Bank of America fails to give me any resolution. I even provided them with a letter from my physician stating the dates when the fraudulent transactions occurred occurred during a period of time I was committed to strict bed rest and XXXX due to my medical diagnosis at the time. 
Bank of America says the same thing over and over again. Just like they stated in my last report they are looking over the. Plain, and will report any decision made immediately to me. Its all lies- whenever I call they say the department handling my case is a separate claims department- and this specialized department does not accept incoming calls- meaning I can NEVER speak to them. I can NEVER speak to anyone who can offer me some insight into whats going on with my claim, and why I still am waiting on a resolution over two years later! In addition, this mysterious phantom claims department has no time restrains on how long they can keep a claim without making a decision. So, basically this mysterious department, who I can never speak with or leave a message for, can also take as long as they want making a decision on my claim! And they have been taking as long as they want- taking their sweet time- considering this claim was borne in 2021! 
How convenient for Bank of America- they never have to rectify this pricey situation. They simply can just tell me, my claim is under review, being investigated, and I will hear back from them when they are done- they can take any amount of time necessary, are unable to give me a rough time frame, and will not be able to. All me and answer one of my numerous questions. So, Bank of America can essentially continue to tell me the claim is currently being investigated, and I have to just accept that forever- because it doesnt look like any trail of a solution exists in the near future for this claim! This is absolutely unacceptable!
Product: Credit reporting or other personal consumer reports

I a consumer have been a victim of identity theft. Due to this fact my consumer report has been unjustly damaged and my consumer report is now inequitable. Furthermore 12 CFR 1022.3 Definitions states Identity theft means a fraud committed or attempted using the identifying information of another person without authority. Anything added to your report without your written consent could be considered Identity theft 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 15 USC 1681 section 604 a section 2 states that " In general 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. '' ( XXXX XXXX XXXX ) the financial institution and the Consumer reporting agencies EXPERIAN and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to EXPERIAN, XXXX, ( XXXX XXXX XXXX ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. I have also included and identity theft report with this complaint in the attachments below