23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I am writing in regards to the hacking that occurred at XXXX Scottrade Bank. 

Specifically, I seek clarification on whether my passwords were encrypted or hashed. 

Scottrade 's press release here : XXXX, states that the passwords were encrypted and NOT hashed. 

If Scottrade did not hash passwords, I would like to know why, and I would like to know if the encrypted key has been or could have been targeted in the hack.
Product: Mortgage

In XX/XX/XXXX, my mortgage company informed me ( attachment A ) They were changing partners in collecting the payments. In this document they wrote what do you need to do? nothing we take care of everything. So I went on to the next piece of mail. Later I picked it up again and found that I would in fact need to be involved in setting up payment through my bank. So I tried contacting the lender Embrace Home Loans, offering to make small additional payments to my mortgage until the month was paid for. I was willing but the amount they expected was more than I could scrape together. So I was n't able to resolve it that month, the next month they did not take the money that was there even though I set it up to be paid, since I had according to them defaulted on the loan. I sought help and was contacted by XXXX, XXXX was the contact. He hooked me up with XXXX XXXX who had previous experience fighting my lender and claimed not only the lender was practicing Predatory Lending, but that they could reduce my mortgage from $ XXXX- {$340.00}. I paid {$700.00} a month for their help for 5-6 months, and then the suddenly seemed to be trying to work with me. The contact at XXXX XXXX, called me and reported the offer the lender came up with was {$700.00} a month. I can do that, but it was n't what I was offered. Anyway the contact ( XXXX XXXX ), Said If I decide to accept this offer than to sign it and mail it in. I asked what if I do n't accept it? She said then I have to consult my supervisor. She then told me to contact her upon my receipt of the offer. I read the offer and it had my spouse on it, and according to the lender I can not even have this offer without his signature. 
The kicker here is that on XX/XX/XXXX He filled my home with propane and tried to blow us up cause I asked for a divorce. I sent him to prison, and obtained a life long no contact order. I feel since the legal assistance was useless and they are refusing to at least explain what my options are, I feel screwed over. Honestly It is my opinion, the property values are going up the loan amount is $ XXXX But the value is reported to be $ XXXX. There is new industry coming to the area, and I may lose my home just so they can resell for more. 
I 'm sorry if that was over the top. I do want to make clear I am an XXXX, Served with pride ( XXXX XXXX, and XXXX ). I am currently a XXXX for my XXXX adult son, as well as XXXX other XXXX people who are vulnerable. Myself and XXXX renter are Veterans. I work at XXXX XXXX of these people- without state assistance. I need help, I am XXXX and trying to hold onto my home.
Product: Credit card or prepaid card

My husband has an account with HSBC. On XX/XX/2019 I went online for the first time to make a payment. I could not figure out where to go to make the payment. So I called HSBC and the representative said I would need to give my social security number to add me, I told him no. So he said that my husband would have to call in to add me. I did a conference call with my husband on the line, and he specifically told them that I did not want a credit card that he was only authorizing me to make changes to the account. We got it settled. On XX/XX/2019 I received two credit cards from them in my name with a credit limit of {$5000.00}. I called HSBC, they said trash them. I got an alert from XXXX XXXX that someone added me to their account. So now this is on my credit report, which I did not want. How do I close this account without it affeecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is currently reporting me to XXXX  credit services as Failure to Pay. there are two problems here.

1. the same account appears twice on my XXXX report. I have contacted XXXX 5 or more times about this issue and they can not or will not correct the problem. 

2. XXXX is reporting account as an installment loan. One the report it clearly says terms are unknown. The account has been paid in full and should not be reported on my report since it is almost 8 years old. 

XX/XX/2018 contacted XXXX was told there was nothing they can do, directed me to call XXXX. 

Called XXXX put in a dispute saying the debt is a duplicate account. 

XX/XX/2018 Notified by XXXX that XXXX validated both accounts. 

Called XXXX about the dispute they advised me they had to finish disputes in a timely manner so they validated both of them. They advised me to call XXXX   back to dispute again. 

Called XXXX back they said no they cant dispute again without me having some additional information. 

called XXXX back, they said they will try to fix it but can promise anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unauthorize hard inquiries on my credit report that I did n't consent to pull my credit 1.XXXX XXXX  .Dated XX/XX/XXXX 2.XXXX .Dated XX/XX/XXXX.3.XXXX XXXX.XX/XX/XXXX 4.XXXX  .XX/XX/XXXX ... 5.XXXX XXXX .Dated XX/XX/XXXX. 1.XXXX XXXX XXXX, Michigan XXXX 2.XXXX.XXXX XXXX, Texas.XXXX..3.XXXX XXXX XXXX XXXX XXXX.XXXX, Texas.XXXX ... 4.XXXX XXXX XXXX XXXX, Texas.XXXX. I have a XXXX XXXX XXXX vehicle I do n't need another car. I have XXXX kids and I am single Mom. All the hard inquiries are destroying my credit and scores and my chances in getting credit approval on new beds and baby crib for my XXXX child and my daughters that are under the age of XXXX years old..
Product: Credit reporting or other personal consumer reports

XXXX XXXX reported an account that does not belong to me. 
I have requested proof of debt validation 1. Original Contract 2. Proof of Payment history 3. Debt Validation Nothing has been resolved and it continues to show up on my report
Product: Payday loan, title loan, or personal loan

I apply for a loan online through a online service. which I was pre-approved for OneMain Financial said that I was eligible for the loan and the loan amount I was asking for. they pulled my credit and asked me to come into office to complete my application and sign documents at that point I asked was I approved for the loan amount that I was asking for but I was told she needed to see papers first and for me to come in I declined and canceled the loan a couple of days later after realizing I took a big hit to my credit score and was unable to refinance through other companies because of the score I decided to go back to OneMain for more questions about the big hit on my credit score and to complete the application but was told that they needed to pull credit again I said I  needed to think about it a couple of days go by the lady calls me from OneMain Financial and asked me what did I decide again I told her the amount I was asking for and was it worth it for me to pull the credit again she told me that she couldn't tell me to pull it or not it was up to me so I told her how much I was asking for and she pulled the credit and told me that I was approved and to bring in some documents of proof of finances and a bank statement which I brought in to find out that I was not approved for the loan amount I was asking for and when I brought that up she just said do you want the loan for the lesser amount or not.
Product: Checking or savings account

On XX/XX/year> I received an email saying that my account was temporarily restricted and that an action was required. Then on XX/XX/year> I was supposed to receive my paycheck but it got returned back to my company because of this account restriction. I called the company on XX/XX/year> and the representative said that it was an internal review, and when I asked why it was under review he said they could not say, and when I asked how long it would take until my account was to be in use he said that he could not say. So I am locked out of my bank account and not able to access {$5900.00}.
Product: Credit reporting or other personal consumer reports

XXXX offered to settle my account for paid in full status on my credit report, upon checking my credit report I see they have not done hat was agreed and they have put " Setteled-less than full balance ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX  XXXX Account Number XXXX XXXX XXXX XXXX  XXXX Account Number XXXX XXXX  XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX pioneer credit recovery sent me a wage garnishment notice on behalf of the department of education. I sent a request letter on XX/XX/XXXX requesting an oral hearing. I never received a date or response to present myself in person at a location before a hearing officer. On XX/XX/XXXX I received another letter stating I needed supporting evidence with no time given to gather my supporting evidence with one loan discharge application and needed help filling it out. I requested the lenders information on XX/XX/XXXX and never received the information and that i had requested an extension to gather my supporting documents and i was never granted the requested or received a response. Now on XX/XX/XXXX they took upon themselves to make a final decision without granting me a fair hearing. the company garnished XXXX XXXX of my wages. I am forced by this company into hardship facing an eviction and utility bills disconnections and no transportation or food.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019, I traveled to XXXX for my Wedding ceremony and spent a month and some weeks. I missed a payment because, unfortunately, I couldn't log in to my bank from XXXX due to security reasons to make my payments. I immediately made that payment once I returned to the US early this year. I spoke with the representative of XXXX XXXX XXXX and explained my problem. They referred me to the credit bureau, who referred me back to XXXX financial. I hope you can get them to remove this negative statement since they both agree that the circumstances were out of my control. I don't think it's fair to suffer for this error due to distance and security. I offered to show proof of my travels, my ticket to and fro. I employ you to please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report from Trans union XXXX XXXX and XXXX shoe accounts that I never applied for and inquires I never applied for it has banks, car loans. Credit cards that I have no knowledge of also XXXX XXXX  said my social security number has been compromised on the XXXX web
Product: Credit reporting 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 USC 1681. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX  XXXX ACCOUNT # XXXX However, they stated everything was complete and accurate. How is that possible if the open date, date of last activity and much more is incorrect? According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly.

15 USC1681s-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.

15 USC 1681 section 602 A. states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 ; It also a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a charge off account on my credit report, which is unlawfully on my credit report. 

From XXXX XXXX, Account # XXXX A debt has been written off as a cancellation of debt. I have reached out to the creditor. The debt is not longer collectable. 
I have received a 1099c Cancellation of debt From XXXX XXXX. I have also file it with the IRS, which it includes as income now, it is no longer a debt. I am not longer liable for this account, nor the debt.
Product: Credit reporting or other personal consumer reports

On XXXX a letter was sent to Equifax, XXXX and XXXX requesting debt validation and method of verification with all supporting documentation bearing my signature. To this date there has been no documentation provided and no response from the credit bureaus. This shows that XXXX, Equifax and XXXX are not complying with their own policies to report accurate information, provide validation and method of verification along with all supporting documents in a timely manner this is a clear violation of my FCRA and FDCPA rights.
Product: Student loan

I told them that I couldnt possibly finanacially pay the XXXX+ dollars a month Started paying XXXX Dollars a month. Constant harassment of phone calls throughout the day. They took my loan off the website so I couldnt make monthly payments and threatened to default. Man told me about my private income that he has no business knowing about ( my credit card payment for instance ) Has called my co-signer 's JOB multiple times throught the year already. Also the school in which I got this loan for NO LONGER EXISTS
Product: Credit reporting or other personal consumer reports

I sent a letter out XX/XX/XXXX to XXXX, transunion, & XXXX  ; XXXX. However it has been more than 30 days and the credit bureaus failed to send my investigation back. This is not making sense. 
According to the law 15 U.S. Code 1681i- procedure in case of disputed accuracy. If the completeness or accuracy of any item of information conatined in a consumer & # 39 ; s file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Checking or savings account

I am writing to formally express my concerns regarding the suspension of my debit card privileges, which occurred on XX/XX/2024, as well as the subsequent handling of my appeal and communication with Navy Federal.

On the aforementioned date, I was informed by a Navy Federal representative that my debit card privileges would be suspended for one year due to my reporting several unauthorized or fraudulent transactions. Over the course of the next 2-3 months, I engaged in multiple conversations with various team members and supervisors in an attempt to resolve the matter. Unfortunately, these discussions did not lead to any satisfactory resolution. 

I was eventually informed that I had the option to submit an appeal to reconsider the decision. However, I never received any correspondence regarding the status or outcome of this appeal. After waiting for over a month with no communication, I reached out again for clarification and was told that a decision letter had been mailed to me. To my surprise, I never received this letter, and a supervisor later confirmed that it had not actually been sent at all. 

Despite my continued efforts to resolve this matter, I was ultimately informed that there was no one else I could speak to and that the decision regarding my debit card suspension was final. During this process, I repeatedly referenced Navy Federals Zero Liability Policy, which I understood to guarantee that I would not be penalized for any unauthorized or fraudulent transactions. Unfortunately, my concerns regarding this policy were disregarded.

After exhausting all available avenues within Navy Federal and receiving no resolution, I felt I had no choice but to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ).

I would appreciate your attention to this matter and hope for a prompt review and resolution.
Product: Mortgage

XXXX XXXX  XXXX DBA USAA has been dishonest and deceitful to me as a consumer. They are charging me unnecessarily for PMI/MI on my home loan. In XX/XX/XXXX, I submitted a request for XXXX to remove the XXXX PMI monthly charge from my mortgage loan. XXXX sent out an appraiser who low balled me on the appraisal although USAA/XXXX  had completed a higher appraisal just a year prior for my refinance. On XX/XX/XXXX I sent a certified letter to USAA/XXXX  requesting a copy of the appraisal they used to deny removing the PMI. I also requested that USAA/XXXX remove the PMI because based on the calculations, the PMI should've been terminated from the loan automatically. I have not heard anything from USAA/XXXX and as of today, XX/XX/XXXX, XXXX is still charging me PMI or MI. 

According to USAA, my home is worth {$170000.00} vs what I owe {$100000.00}. 

As a consumer, XXXX has violated my rights and continues to charge unnecessary charges on my loan.
Product: Consumer Loan

IN XXXX after filing for bankruptcy due to a divorce. I got a auto offer letter from a dealership stating that I could be approved, after obtaining the auto, the rates and fees just became unbearable, the company repossessed my auto in XXXX after making payments for almost three years. This has been on my credit report as a repossession since then. After working to build my credit score back up, I noticed a inquiry that I did n't make from a company I did n't recognize, after review it was COCC, the people who had repossessed my car. they now have a new name and say I still owed over XXXX on this car that was repossessed almost three years ago. On my equifax and transunion it now shows up a current repossession under the company 's new name and also shows up under the old name as a repossession form three years ago. my credit score has dropped over XXXX points due to reflecting XXXX repos, can the same company report that information twice or should it be updated, and this company is pulling hard inquiries on a weekly basis now. I do n't know what to do, I need help with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found a late payment on XXXX XXXX XXXX of 2020 for 30 days. Impossible! Send me proof that i was late because i paid it on time. 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called countless time after paying my installment in full, the issue of XXXX XXXX XXXX XXXX   representative providing misinformation. When I originally signed up for the loan it was because it did not ding your credit score. Fast forward a couple months, I was laid off and that was communicated. The representatives that helped me XXXX & XXXX both said that, we do not report to the credit bureaus, if I can make a payment itll stop me from going to collections thats the only way itll affect my score. Thinking that two representatives were telling the truth I did exactly what was instructed. Then after the loan is paid off in full, they then furnish the late history which reflected in a credit score drop. If this was communicated originally, I would have bit the bullet and paid it in full to prevent dishonest practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 5 accounts on my credit report that are not mine they do not belong to me I have not signed used or approved for these accounts this is clearly identity theft and I need this taken care of asap. 

Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

They sued me for debt already paid and took wages and in letters they don't even say what there taking money out for. All this should be deal with and my paychecks need go back to normal. They taking money to live of and this company needs stop so many red flags they do not by book and they are also supposed to try setting payment deal up which never they when to judge and sent to home office.
Product: Debt collection

On XX/XX/XXXX, I received a notice of an update on my XXXX credit report of a new collection account in the amount of {$1300.00}. The collection agency was listed as Vance & Huffman , LLC with no indication of the original creditor. I immediately called the creditor and was only provided the option to leave a voicemail with no indication of when a return call would be made. 

This morning, after an additional review of my XXXX and XXXX reports, it was associated with XXXX XXXX. I attempted to contact XXXX XXXX from contact information on their website and was I was on hold awaiting a response and then the line disconnected no fewer than three times. 

I was able to get into an account that I did not recall setting up under my email address and found that a loan was taken out in the amount of {$870.00} in XX/XX/XXXX. The account showed a record of cleared payments totalling {$1000.00} ( well over the amount that was funded ). Additionally, there showed a record of 4 cancelled payments in the amount of {$1000.00}, nearly the same as the amount originally showing cleared. This account should be showing as paid.