23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Re : Complaint Regarding XXXX XXXX XXXX and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive 2017 data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. 
Facts of the Complaint Exposure of XXXX XXXX : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. 
Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. 
Failure to Maintain Reasonable Security Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data. 
Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach. 
Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1681b : XXXX failed to properly restrict access to consumer information. 
1681e : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security. 
XXXX XXXX ( XXXX ), 15 U.S.C. 6801 et seq. 


6801 ( b ) : XXXX failed to implement safeguards to ensure the security of sensitive consumer data.

Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq.

5531 ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures. 
Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) XXXX engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.
Product: Credit reporting or other personal consumer reports

Beginning XX/XX/year> I contacted company after payments fell behind due to XXXX illness. I called them to begin payment the account. They added fees and late charges of {$5300.00} and the agreement was for {$87.00} autopay out of my checking account. About 2 months ago my credit score dropped. 
I tried pulling a free report to find out what caused the drop and was not able to tell. Then my credit card company sent me an update regarding a change in my score and the company reporting it. It was company I signed documents and made autopay arrangements with. I has a XXXXXXXX XXXX XXXX XXXX due to bills falling behind. I have been working on my credit for a year to get it back up to XXXX 's and now without any disregard for laws. The company ruined my credit score. When I called they gave no reason but yes we reported it late. I told them that is against the FCRA of fair reporting practices. They didn't seem to care. I want my credit restored!!! I an livid ....
Product: Credit reporting or other personal consumer reports

This account has caused me significant XXXX, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.
Product: Mortgage

Today, XXXXXX/XX/year>, I tried to create a recurring transfer/payment for my mortgage account with Idaho Central Credit Union ( ICCU ), which is based in Idaho. We recently had our mortgage change, due to increases in taxes and hazard insurance, from {$1700.00} per month to {$1800.00} per month. My wife and I thought it'd be a good idea to split our payment equally twice per month, such that two partial payments would meet the sum of the monthly obligation via escrow payment that our mortgage with ICCU requires. However, their online payment system, as well as via their customer service department over the phone, have informed me that they do not accept partial mortgage payments. I've recently gathered that while this isn't illegal, many mortgage competitors DO allow for partial payments, which, in fact, significantly reduce mortgage interest over the course of the loan. I feel it's an injustice that my wife and I were not informed of this explicitly during the origination, nor at the start of servicing/time of signing in preparation for closing. If this information was in our Deed of Trust, it was not made explicitly clear at any time during the origination nor servicing process until I asked. Knowing this information may have influenced my wife and I 's mortgage decision at the time we were consulting mortgage loan providers. I feel that this should be a drastic legal change, as debtors should absolutely allow borrowers to make partial payments so long as the sum owed is due in the timeframe owed. This is predatory behavior, and needs to be either XXXX explicitly disclosed with all mortgage loan applicants/consumers, or XXXX made illegal entirely. With mortgages being increasingly difficult to obtain and increasingly expensive to hopeful homeowners, and with housing being an absolute necessity, not allowing borrowers the opportunity ( ies ) to made advance partial payments is egregious.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Bank of America # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Mortgage

I XXXX XXXX have been approved for a home loan modification with Caliber Home Loans Inc., through the efforts of a law firm known as the XXXX XXXX XXXX based in the state of California. After making my initial three modification payments, Caliber Home Loans , Inc. is  now refusing any additional payments, including a certified check I sent during the month of XXXX 2017. I was only {$30000.00} behind in mortgage payments, and Caliber Home Loans is reporting on credit bureaus that I was {$140000.00} behind in payments. My problems began when I was almost killed in a work-related accident, however, I am fully back in the work force. Caliber Home Loans, Inc. is in direct violation of my rights under the Fair Debt Collection Practices Act, and not only do they have to accept my payments under the new terms of modification, but they must adjust my balance on credit accordingly. I have no other option but to submit my request for fairness directly through the CFPB as the XXXX XXXX XXXX has not acted quickly on this problem. I am well within my rights as an American consumer to utilize the services of the CFPB to help me rectify this serious problem. Caliber Home Loans, Inc. must accept my payments and abide by the modification agreement to be filed on public record.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I went to pay my lease payment and my account stated it was paid for so I called XXXX telling them that a payment was applied to my act. They stated that it was paid and that I had an extra payment. I thought it was funny. I kept an eye on the account. When I got a bill by mail stating a double amount I immediately called and they said the payment was reversed bc it was applied to the wrong act. They apologized and I immediately made the payment. They indicated and they said its recorded that it was their mistake and that it will not be reported. Well I have my credit monitoring since I have good credit and they reported me late. I called them and asked them to check their notes, I have left messages, I sent them a phone call request through XXXX XXXX website, I have yet to hear from anyone. I have disputed this 2 x and they keep saying is correct. I even asked for the fax # to their legal department. I am not going to allow them to XXXX me like that after I am a single parent working myself with 2 jobs and making sure my debts are paid and on time. I do not know what else to do. Its not fair. I have cried because company like this one do mistakes and nothing is done and then they XXXX us up. 
I need this to be deleted out of my credit report, as this is the only thing that is on my report negative and it was not me, they should be able to teach their employees how to apply payments to the right account and on my recorded call, I told them are you sure they said yes, they are sure. I need help. Please.
Product: Checking or savings account

I received a retirement check due to hardship from my employer and I deposited it with my bank. Once I started paying off bills which were expensive the bank flagged my card so I went in to the bank and explained what was goin on at which point they closed my account and told me they would send me a check for my remaining amount but the check hasnt came nor can I retrieve my money to pay bills I am about to be evicted homeless with all XXXX of my kids due to this matter. Truist is terrible
Product: Credit card or prepaid card

On XX/XX/2019 my credit card account was hacked by an impostor. He/she changed the account address, added another authorized signer and redeemed about {$800.00} worth of reward points into cash and wired it to a checking account. 

I found out about this XX/XX/XXXX. Matters were straightened out except for filing a police report. The people at TDcardservices said the police department should fax to them in their official letterhead what information they required to fax # XXXX XXXX XXXX Today XX/XX/XXXX, at substantial inconvenience, I went physically to the XXXX, Florida police headquarters which is were I had been told theft reports are to be filed. According to the Police I should obtain from TDCardservices an incident report and give it to the Police. I explained to them what TDcardservices said. It didn't matter ; they will not fax anyone anything I am caught between the two. No one seems to be concerned about catching the perpetrator, and I am missing an official, valuable record of what happened.
Product: Checking or savings account

On Thursday, XX/XX/XXXX at XXXX AM I went inside the Chase branch near my house. I deposited {$2400.00} in cash into the ATM inside the bank. The ATM took a long time to try and process the account and eventually there was a message that said they were having a problem. And to be sure the deposit went through please call us at this number will print the number on your receipt. This particular branch has not given out receipts on their ATMs for the past several months. I went to talk to the branch XXXX and she gave me a number to submit a claim. I submitted a claim, the customer service representative said it could take two hours up to two days to have the money deposited into my account and that they would send an email confirmation to update me on anything that is going on. It has been 2 1/2 days and the money is not in my account and I have not heard anything from Chase. The ATMs are defective and ATMs do not give out receipts any time you make a deposit.
Product: Mortgage

I refinanced my home from XXXX XXXX XXXX to Guaranteed Rate in XX/XX/XXXX. My insurance company XXXX XXXX XXXX XXXX XXXX provided my insurance policy to GR. You'll find in the attachments. The insurance company faxed and called requesting payment and the payment was never received. I received a check from my prior mortgage company, XXXX XXXX XXXX. I called my insurance company and they stated that check must be signed and sent to GR so they can pay the policy. That was done and GR cashed the check on XX/XX/XXXX ( thats provided in the attachments ). The insurance company reached out to GR on XX/XX/XXXX requesting for the payment to be made. Numerous times the insurance company atempted to get the payment to pay the insurance amount and nothing from GR. Now I'm still continuing to receive letters threatening force placed insurance due to " lapse in coverage '' when GR never paid the policy as they should have. On top of this, I had to establish insurance again with my agent and the premium went from {$1100.00} to {$1400.00} which is higher than it should be because GR never paid my insurance as they should have. I spoke to a couple different agents within GR and they claim they do not have the ability to see my check that was sent or the fact that it was cancelled. All they continue to tell me is after XX/XX/XXXX they will force place insurance and my premium will be higher. I spoke to XXXX and XXXX ( Supervisor ) still nothing to resolve this matter. I asked my insurance company to provide me with the dates and attempts to get this resolved and I'll attach to this complaint. This is completely unfair and deceptive. If someone would just take the time to actually review my account instead of telling me they can't see a cashed check I don't think we would be in this mess. I'm absolutely exhausted over dealing with this mess. This shouldn't be like this. A customer who has escrow should not have to jump to ever hoop. 

I must say, I can't believe all of this has happened. The refinance process was the easiest thing I've ever done in my life. Now that this has happened I have the worse taste in my mouth and will never refer anyone again to refi with your company. Never once through this process did XXXX attempt to help she continued to state she needed a reinstatement letter from my insurance company. How can you provide a reinstatement when GR never paid the policy. Due to the error the policy had to be completed AGAIN.
Product: Student loan

I have concerns with how Navient handled my consolidation loan repayments since consolidation over two years ago. It appeared to me excessive interest payments and fees were charged based upon how Navient structured the loan repayment start dates so as to, in my opinion, intentionally maximize their interest rate profits at my expense.

As of last month 's payment XX/XX/2018, Navient had in place an online feature which included a running balance feature. This feature is crucial for loan repayment as it allows us, the consumer, the ability to spot any errors and to quickly spot, exactly, how our payments are being allocated. More importantly, it provides a permanent record of all transactions on our accounts. The removal of the running balance feature creates a tremendous hardship for the consumer in having to factor extensive math equations in order to keep for themselves accurate running balances.

Why has Navient removed this feature? It is troubling that Navient would remove this running balance feature, especially now, in light of the complaints filed in recent law suits alleging Navient has mishandled student loans repayment monies. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

IRS held funds from consumers tax return in XXXX  and used the funds to repay student loan Dept to US Dept of Education in the full amount of over {$5000.00}. Information is still showing on all credit reporting sites. 


Please delete adverse information and accounts from consumers reports!
Product: Credit card or prepaid card

My Synchrony has closed and lower credit limits for absolutely no reason over the past year. All of my accounts with them are/were in good standing. They have dramatically affected my credit score and my ability to get new credit. They have lowered my rooms to go, they lowered my XXXX  card twice. They closed my Lowes Card with a XXXX limit with XXXX  warning and it had a XXXX balance. There carelessness for an account holder who always made on time payments has caused drastic ripple effects in my life. Higher interest rates and now I cant get approved for anything. This bank is a predator!
Product: Mortgage

XX/XX/XXXX XXXX : Property address XXXX XXXX XXXX XXXX NY XXXX Loan # XXXX I was given a modification by Seterus Servicer on XXXX. I have been making all of my payments on time. However Seterus servicer has been making mistakes on my account that have made me very XXXX and have had a toll on my health. This is my third complaint in less than three years. Three different serious mistake Seterus XXXX has done on my account. XXXX XXXX has my account suspended due to a mistake on their part. 1. ) I received a letter from Seterus XXXX datedXX/XX/XXXX stating that A payment that did not belong to my account was inadvertently posted to my mortgage account and XXXX reversed the payment that was posted in error. ( please see attached ). 
Again I find myself being threatened by Seterus on foreclosing on my house, due to their mistake. Seterus wants me to make extra payments. I dont have any extra money to make extra payments. I have made all of my payments on time. 2. ) My escrow payments should not have increased. I had a senior tax reduction on my taxes that started on XXXX and I faxed the proof on such reduction on XXXX ( see attached ) again Seterus gave me a hard time acknowledging this information and providing me with a new mortgage payment and statement until months later.
Product: Vehicle loan or lease

While in billing dispute due to a discrepancy in the installment agreement BridgeCrest Has not been communicating or responding to my request for arbitration. It is my lawful right per the contract to have a hearing between purchaser and creditor. I have a billing issue and I need proof that my vehicle was not fully paid off during the purchase.
Product: Bank account or service

I do not allow XXXX XXXX XXXX involved with XXXX and No allow U.S. Department of Housing Urban Development involved my bank account as include new account from Chase Bank or any bank branch, it was not safety for me using bank router and bank service from XXXX XXXX XXXX. I do not happy with XXXX XXXX XXXX because of they do not like my appearances complaints. NO Allow for XXXX XXXX XXXX get involved with tenant 's bank accounts! I do not like XXXX with U.S. Department of Housing with my sad icons on rent paid because of unfit Oregon resident and bad people of employees related with XXXX XXXX XXXX discriminates against XXXX XXXX tenant in our housing issues continually with used two-faces since 1986 records. They had too stubborn and quit jobs to other places to employ avoid of my appearances and many serious reasons. 

I COMPLAIN AGAINST XXXX XXXX XXXX WITH U.S. DEPARTMENT OF HOUSING URBAN DEVELOPMENT INVOLVES WITH MY SENATORS POLITICAL LETTERS AND CONSUMER FINANCIAL PROTECTION BUREAU HARMS MY LIFE EGO, I COMPLAIN AGAINST PUBLIC E-MAIL WHICH XXXX XXXX XXXX RECEIVE THIS DOCUMENT THROUGH SECRET SYSTEM WITHOUT MY KNOWLEDGE EMERGENCY REPORT TO POLICE EMERGENCY NOTIFIES TO XXXX XXXX XXXX AND U.S SENATORS. EMERGENCY PULLING ME OUT OF THIS EVIL HOUSING! XXXX XXXX XXXX AND U.S. HOUSING URBAN DEVELOPMENT RESPONSIBILITIES FOR DISCRIMINATION AGAINST XXXX AGAINST XXXX XXXX XXXX, TELL MALE AUTHORITIES PULL ME OUT OF THIS HOUSING EMERGENCY RESPONSES : EMERGENCY FORWARD TO XXXX XXXX XXXX. I COMPLAIN AGAINST THIS HOUSING SMELLS MY FINANCIAL HOW MUCH MONEY IN THIS ACCOUNT AT THE BANK! IT WAS NOT SAFETY FOR ME USING TO LIVE IN BAD HOUSING ADDRESSES! IN ADDITION, I WAS NOT HAPPY WITH XXXX XXXX XXXX CONTINUALLY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax shows a credit card account which is not mine. The account shown by Equifax is : XXXX XXXX XXXX, reported as opened XX/XX/2012, and with a current balance of {$10000.00}. 

I have never had, nor been associated with, a credit card account from XXXX XXXX XXXX opened on XX/XX/2012. Despite numerous calls to Equifax, and further attempts to remove this incorrect information, they have not done anything to remove this fraud. This incorrect information is causing me considerable damage to my credit reputation and needs to be removed pursuant to the FCRA, which states that only correct information be reported to a credit file.
Product: Money transfer, virtual currency, or money service

I tried to transfer my money from XXXX XXXX  to my mothers account in different country for my future travel expenses via WISE. Now I lost my money plus wise charges me {$7.00}. I am trying to get a refund, but only I can contact them with their customer services. Every time I call them I have to explain what happened and their customer services keep telling me that they cant transfer call to their XXXX. I need my money back as soon as possible, but they never able to assist me. I really need your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a continued ongoing complaint. Again XXXX has responded with allegations that they were in their right to pull my credit and perform a hard inquiry, but again and again have failed to provide documentation that supports their right under the Fair Credit Reporting Act ( FCRA ). I never gave my consent for XXXX XXXX to pull my credit history, I never submitted a loan application, I never showed or implied interest in any of their loan products and I never  suggested that I was in the market for a loan of any sorts, yet Equifax continues to side with XXXX XXXX without requesting that they produce material that would support their right under the FCRA claim.. I called XXXX XXXX just to talk to a loan " specialist '' for information regarding how much time from the date of a foreclosure would it take before being once again eligible for a mortgage loan? I was told that they would need some basic information and after giving said info I was then told that I was not eligible for a loan mortgage at this time ... Huh ... I already knew that? Then was told it would take 5 to 7 years before being eligible for any of the  loan products that XXXX XXXX offers, with that I said Okay thanks for your time and hung up. Many months later I came to find out that without my permission or knowledge my credit was pulled for asking a mortgage question only ... This is violation to my rights as a consumer and rights under the FCRA. Furthermore Quicken loan response that I had interest in a loan product because I asked a question and therefore they were in their right to pull my credit is total XXXX and preys on unsuspecting consumers.. So I ask again for XXXX XXXX to provide proof of my interest in being approved for one of their loan products other than a letter that states I called and had a conversation with a XXXX XXXX rep and was denied a loan ... Please be advised that I will continue to use ant ans every platform available in resolving this matter ...
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/ 2016 I financed a car through XXXX XXXX XXXX XXXX ( XXXX ) made my payments on time until I had to stop working due to medical reasons. The car was repossessed in XXXX of 2016. The company has since inaccurately reported to the credit agencies the details of the account. On transunion they claim it as a repossession and that I owe over {$14000.00} on XXXX it is showing that I owe almost {$8000.00} and it is a charge off/bad debt and are continuing to show late payments for the account. I have disputed this with the company and the credit agencies multiple times and have gotten to response or no solution to the miss information being reported. I have sent letter for verification of debt and account balance and have not received responses from XXXX