23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Dear CFPB, I need your help resolving a problem with HarborOne, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NH XXXX www.harboronemortgage.com HarborOne has  offloaded my home mortgage to XXXX  XXXX.XXXX.XXXX XXXX  is placing numerous, daily phone calls to my mobile number, leaving a message to call them back, when you do the only thing available is an automated system and no way to get a human being on the phone. 
Back in XXXX I reached out to HarborOne XXXX NH only to be told they can not help me and gave me the XXXX. XXXX  link If you follow the link you will see for yourself : XXXX  does not list an email address on the Contact Information portion of the web site link. 
XXXX has a Login, but there is no mechanism for me to access Set Up of that feature. 
Add the fact that XXXX answers the phone with automation, no means or mechanism to speak with a human being or leave a voice message. 
At this point XXXX is not sending me my monthly statement. 
I am in fear they are trying to make me late or put me into default. 
Please Help
Product: Student loan

I am the step-father of an adult daughter, and cosigned a school loan in XX/XX/XXXX for ger. Her and her husband filed bankruptcy in XX/XX/XXXX, I was never notified of this, by any party in any form. 
In XXXX of this year, Navient informed me that the loan and all of its capitalized interest is now solely in my name, based a bankruptcy judgment. It was the first time I even knew that there was a bankruptcy. 
If I had known the true state of the loan in XX/XX/XXXX, this loan would not be double the amount and at a high interest rate. I had many options in XX/XX/XXXX on what to do about it. But I was denied that opportunity. 
No one I 've talked at Navient will state that they should have let me know about the bankruptcy. I received no correspondence, notification, nor personal contact that this loan was fully in my name and not being paid on during the time of the bankruptcy. 
I 've reviewed the Promissory note I co-signed for this loan, and the particular policies that Navient has invoked to keep me ignorant of the state of this loan are not part of that contract. It states the co-signer responsibilities, and the fact that the loan is not eligible for bankruptcy forbearance. It does not state that Navient will deny information about the loan to me based on a filed bankruptcy ( which is what happened when I contacted XXXX XXXX and then Navient based on my credit report findings ). 
I have had this loan fully on my credit report during the time of the bankruptcy. During that time, I called Navient to question the accruing loan balance on my credit report, and they would only tell me the loan was in my name, and it always had been, and that there was no other signer of that loan. My assumption was that the records were incorrect at Navient or the credit report. The bankruptcy was never made known to me till I called Navient after receiving a billing statement this past XXXX. 

My credit score dropped over XXXX points since last year at this time. I was turned down for a refinance during that time. In XX/XX/XXXX, I was given a government clearance based on the fact that I stated that I was only a co-signer for this loan, which again I assumed the credit report had it mistakenly listed me as the loan-holder. 
I was not provided any options or opportunity to address this loan when this bankruptcy first occurred. XXXX/Navient actively kept me from knowing of this when I contacted them about the credit reporting. The only contact I had with Navient was what I initiated, and it was full of deception or incompetence that prevented me from determining the state of this loan.
Product: Credit reporting or other personal consumer reports

I received an email from Credit XXXX that I had a new hard inquiry. Upon reviewing it appears that there was a hard inquiry ran from XXXX XXXX on XX/XX/year>. I have not applied or inquired for anything regarding credit cards.
Product: Bank account or service

This submission relates to previous complaint against Regions Bank regarding excessive overdraft charges with number XXXX and to the finding by CFPB earlier this year that Regions Bank was in violation of Federal Law or Laws in their actions regarding excessive overdraft charges. Other than a refund of a single {$36.00} overdraft charge which I received XX/XX/XXXX ( if remembering correctly on date ), I have not received any thing from Regions Bank in terms of refund or acknowledgement of my valid concerns. In ( or around ) XX/XX/XXXX I began to receive daily/regular collection calls from Regions Bank. At ( or near ) the same time I also began to receive some other type of alternative collection call which came from different numbers with different area codes delivering messages from people using different ( more than likely fake ) names saying things like they are from the fraud division and my checking account is on their list and my case would be downloaded to my county for further litigation. Both types of calls ended in approximately XX/XX/XXXX and I strongly feel they are tied together. During my nearly 17 years as a Regions Bank customer I was a victim of identity theft more than once between the years of XX/XX/XXXX and XX/XX/XXXX by professional criminals with obvious banking industry knowledge and experience.
Product: Mortgage

I made a payment to Newrez on XX/XX/XXXX. Payment cleared my bank on XX/XX/XXXX. Payment was never credited to my account at Newrez. Newrez says they were in a system migration on XX/XX/XXXX from Shellpoint ( which owns Newrez ) and the payment is " lost '' somewhere. They requested I send proof of payment which I did ( copy of bank statement showing the payment to Newrez ). Newrez still refuses to credit my account. I have called multiple times and keep getting the same story " I'll escalate this to a supervisor '' and " a supervisor will get back with you ''. No one has ever called me nor resolved this issue. I continue to call and never get it resolved. I have received notices that I am late on payments ( due to Newrez not crediting my XX/XX/XXXX payment ). I have been charged fee of {$30.00} despite being told no fees would be charged due to the investigation on their end to find the payment. I have received one letter that said " Per review the ACH would have been rejected. Therefore, please contact your bank to see if funds were returned. '' I have done this and the funds were NOT returned. Newrez does not respond to any inquiries asking where my payment is and to proof that payment went through to Newrez ( they tried saying it went to a previous loan servicer which it did not - clearly shown on bank statement it went to Newrez ). I have been dealing with this for THREE MONTHS where they tell me it should be resolved in a few days. Newrez has my payment ( {$1400.00} ) and will not credit my account for making the XX/XX/XXXX payment ( which then makes any payments made since then credit to the previous month, which makes my account behind on payment ). I have tried MULTIPLE TIMES and spent well over XXXX hours on the phone with Newrez and still have not gotten this resloved.
Product: Mortgage

I have auto payments and sound XXXX, they did n't try to pull the payment until XX/XX/XXXX and they are relying on the contract I signed discussing extra days for holidays may cause issues. I knew that and that is n't the issue. The issue is that they are purposely creating a loop hole in that contract to unlawfully obtain non sufficient funds fees or return charges they are n't entitled to. They do this by designing their web page to flag the consumer with red at the top that their " payment is currently past due. Would you like to make a payment now? '' And then a box that says " make payment ''. You click make payment and it takes you to the payment screen where it pre-selects that month because, again, the system is flagging the consumer for a late payment for that current month. I verified the month selected was XX/XX/XXXX as it was flagging me and made the madement. Absolutely no where on the web pages does it state that that payment iteself will take an additional four days to process, EVEN THOUGH IT WASNT A HOLIDAY, there is no information stating you ABSOLUTELY have to issue a stop payment for the regular scheduled payment that their own system flagged you as late or it will try to continually take both payments three separate times. They also do n't state that the system then decides for you where the funds will go instead of just cancelling the funds or placing them in the month you, the consumer selected, the system takes it and puts it where they want it and then continue to charge you for the month you attempted to pay twice. They owe me XXXX non sufficient funds return fees because their system is directing their consumer to do an action that they have policies and procedures against. ITS A TRAP TO UNLAWFULLY GAIN MONETARY VALUE THEY ARENT ENTITLED TO VIA INTERNET PROTOCOL. This is after they opened false accounts in our names to unlawfully gain monetary value they were n't entitled to and also after they initiated contact without requests ... how long are you going to allow Wells Fargo to rob American consumers?
Product: Credit reporting or other personal consumer reports

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following fraudulent items ASAP Im 4 business days of receipt
Product: Credit card

THIS ACCOUNT WAS OPENED WITH OUT MY AUTHORZATIONS CAPITAL ONE 2 late payments {$2200.00} Closed Account info Account name CAPITAL ONE Account number XXXX Original creditor - Company sold - Account type Credit card Date opened XX/XX/XXXX Open/closed Closed Status Closed. {$70.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$2200.00} Balance updated XX/XX/XXXX Credit limit {$1300.00} Monthly payment {$120.00} Last Payment Date XX/XX/XXXX Past due amount {$70.00} Highest balance {$2200.00} Terms - Responsibility Individual Your statement - Payment history XXXX XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XX/XX/XXXX - XX/XX/XXXX XXXX - XXXX - Current / Terms met XXXX Past due XXXX  days - Data Unavailable Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number ( XXXX ) XXXX Comments Account closed at credit grantor 's request Account previously in dispute - investigation complete, reported by data furnisher
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

Account name : # XXXX of XXXX XXXX XXXX  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 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 ) ( 1 ) 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: Mortgage

We are first time buyers. We had many many questions. Every time we asked her to explain something she seemed very irritated over the phone or would respond in a snarky type of attitude. She was very pushy. We 'd ask her to run figures and she would tell us not to worry we can afford it even if we told her no we could n't she would insist we could. Her calculations were constantly changing because she 's forget to change something. She would go ahead and order items such as a condo questionnaire that they charged me for even though we had decided to cancel that sale due to the inspection findings. Her reasoning was because she wanted to get ahead and order it asap because it takes a long time. They charged me without my knowledge. I had signed a document allowing for payments if applicable. I was n't aware the condo questionnaire would still be applicable considering we had cancelled the sale. We communicated regarding the pending charge that did ultimately get processed XX/XX/XXXX, 2017 for {$210.00} and she said she would refund me at the end of escrow. She had put the appraisal on hold since we cancelled. I said I did n't understand why we would still be charged for something we did n't authorize to be ordered, especially since canceling would n't make it " applicable ''. I tried getting information but se seemed affronted. I tried asking her about it via email and she ignored my email. We are now with another lending agency and our agency required information from them of which they refuse to provide because they said it belongs to the property. Since we are no longer clients of theirs they refuse to assist us in anyway even if they have failed to complete a job on their end.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I went to XXXX XXXX terminal is : XXXX time XXXX and tried to withdraw {$2000.00} from the atm however it did not dispense. I filed my dispute with American Express Serve on XX/XX/XXXX and spoke with customer service who stated that they had received the dispute documents and I should receive a decision by XX/XX/XXXX for temporary credit. I didnt receive any communication regarding the credit. I called on XX/XX/XXXX and spoke with a lady by the name of XXXX who stated that my information was never received. I have uploaded the dispute forms twice and faxed the dispute form and the fax stated it was received. I cant anyone to help or expedite the process
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX weren't paid late. Under the Fair Credit Reporting Act, unverifiable accounts must be removed. I requested XXXX  to make the necessary corrections but I did not get a reply. CFPB please help me out and correct this account
Product: Checking or savings account

TD Bank takes {$15.00} out each month if your account goes under {$100.00}. In XXXX, I legitimately was low. In XXXX, I briefly went under {$100.00} for a few hours when they charged the maintenance fee. I corrected that. Now, XX/XX/2023 I went under again for a few hours because of what happened in XXXX. The ONLY reason for the low balances is from the maintenance fees the bank is charging each month. This is predatory. No customer should be charged a maintenance fee if the only reason they are low if because of a fee the bank itself has charged. 

I am told they do not charge a fee if the call is made the same day the fee posts. But the fee posts in the middle of the night. I check my accounts the first thing every morning. I am not given an opportunity to change it the day they charge it. That's predatory too. It should be based on 24 hours and not the physical date the fee was charged. 

We live paycheck to paycheck like many other people. That extra {$15.00} is very important to our budget. This predatory behavior is reminiscent of the settlement TD Bank had over predatory overdraft practices.
Product: Student loan

HelloSo I submitted a cosigner release form for Chase Student loans to release my cosigner. They declined my application as they told me that I had not made XXXX consecutive payments of principal and interest. I have been paying back this loan on time with no late or missed payments for more than 2 years. Prior to XX/XX/XXXX i was making payments directly to Chase, but after XX/XX/XXXX, the loan began to get serviced by XXXX XXXX XXXX. I pulled my bank statements to show Chase that from XX/XX/XXXX to XX/XX/XXXX, I had made the XXXX consecutive payments, they claimed I had not made.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 filed Bankruptcy XXXX. Items not to be reported and a stay was on the account until XXXX 2019. Paid as required. Then COVID occurred. Called XXXX XXXX XXXX XXXX, they are still showing in bankruptcy. Told me to call the Bankruptcy Dept. Did call. They told me to not pay during covid and granted a forbearance. I asked for how long, they said till further notice and after out of unemployment due to covid. 
I received notice they're reporting it late on credit. During Covid. I called again, they said again, have to go thru the bankruptcy dept ( BK ). BK said not supposed to be showing on the Credit report due to forbearance AND they still have it in BK status. Not supposed to be reported. 

Still reporting late and overdue. Received 3 verbal confirmations- in forbearance, not supposed to be paying OR reporting during COVID. 

Currently have several reported late pays and affected FICO score greatly. Cost me 1 job, I lost due to deliquency
Product: Credit reporting, credit repair services, or other personal consumer reports

n 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 U.S.C. 1681.

Account Name : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 ) ( 1 ) : A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was inquires from Key bank NA on XX/XX/2017 on my credit that I never authorized. I do not know these people and have never been in contact with them. Tried reaching out but got no help
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I reached out to you all regarding a Bankruptcy being reported on my credit report. You all responded " The information provided to us through third party has been verfied to be accuarate and correct '' as a result this remains. 
Well this happned 8 times so i reached out to pacer and got a copy and the address below does not belong to me so the statement " The information provided to us through third party has been verfied to be accurate and correct '' Is neither accuarate or correct and you are violating my rights by failing to verify the information and refusing to delete negative inacurate information. 

I have included a copy of the findings
Product: Credit reporting

XXXX ( Preferred Customer ) put that account on my credit file. It does not belong to me. I have requested them several times to provide me signed documents and they were unable to do it. They provided me some statements that do not belong to me. Since last several months they are harassing me like crazy. Every time I am disputing they are saying dispute was resolved and they would n't take it off from my credit reports. It is hurting my credit badly. I have communicated with Equifax several times regarding this matter and they came up with the decision that the account is verified. I badly need help to get it removed from my Equifax credit report and to stop this harassment.
Product: Credit reporting or other personal consumer reports

DESPITE MY PERSISTENT EFFORTS TO CONTEST THE INACCURACIES IN THE INFORMATION REPORTING IN XXXX, XXXX AND XXXX, THE ISSUE REMAINS UNRESOLVED AS TO DATE. 

XXXX REINSERTION OF PREVIUOSLY DELETED ACCOUNT : XXXX XXXX - XXXX XXXX : The following personal information are incorrect : Incorrect DOB - XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX - This in incorrect. 
Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, NV, XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
EMPLOYER - XXXX XXXX XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
EMPLOYER - XXXX XXXXXXXX - This in incorrect. Please remove this immediately and only report accurate information. 
This account is not mine : XXXX XXXX - XXXX TRANSUNION XXXX The following personal information are incorrect : Incorrect Name - XXXX XXXXXXXX XXXX This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, NV, XXXX - This in incorrect. 
Please remove this immediately and only report accurate information. 
This account is not mine : XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The creditors and credit bureaus are getting away with XXXX  people. The problem is and has always been with the reporting they do. During the 2020 pandemic the creditors and bureaus should have had a freeze on how they report. Take my situation for instance. Creditors started closing credit cards that were in good standing and causing my score to drop. This should not be the case if my cards are in good standing. If they are going to close a card that is paid off or in good standing for none use it should not affect my credit scores. Someone has to put a stop to this madness. How can the government make them change their policies that are hurting hard working American 's? In short, if an account is closed due to not paying etc. this should affect the individual, but if a person pays their bills and the account is good then a company 's option to close the account should not affect the individual. This double edge sword has to be stopped. Protect the little credit people are holding on too. I am so stressed because I'm doing my part and paying my bills and still my score is getting hammered. I will be the working homeless because no mortgage company will ever give me a loan with a pitiful score. Thank you for reading my struggling pain.
Product: Credit reporting or other personal consumer reports

The FCRA states that the only permissible purpose for pulling someones credit report is a ) firm offer of credit b ) insurance c ) a court order. d ) employment. I recently pulled a copy of my credit report and noticed inquires that I did not authorize and do not fit A, B, C, or D above. I also sent an FTC report 30 days ago. Remove the following inquiries : XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX EQUIFAX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX,