23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The issue evolves as follows, We obtained our mortgage through XXXX , XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. The mortgage was fixed of 30 years of {$190000.00}. Later down the road, XXXX, XXXX XXXX XXXX XXXX XXXX passed on my loan or maybe it was bought by XXXX XXXX XXXX, XXXX. Well, in XX/XX/XXXX I lost my job and I was behind on payments from between 8-10 months. Then my house was in foreclosure because of my passed payments. I had in mind to file bankruptcy but I did n't. At that time in XX/XX/XXXX I decided to do a modification on my mortgage with XXXX. I requested to lower my interest from 7.25 % to 5.00 %. Also lower my payment from {$1700.00} a month to {$1100.00} a month. XXXX accepted my request instead of selling the house of course. I was happy because I was able to keep my house. Well, during the transaction they had told me that the overdue payments were just going to stack up on top of my debt. The problem was that they did not tell me how much that amount was. I just assumed that the monthly payments that I had missed were going to add up. XXXX had told me that if I made the monthly payments on time for a whole year they would just dismiss that extra amount. That was the deal when doing the modification. So I accepted because I thought it was a good deal. So I made all my payments on time. In about a year later, XXXX had passed my loan or the company was bought by Nation Star Mortgage. When that happened, Nation star sent me a statement of my mortgage saying that I owed a balance of {$63000.00} on top of my mortgage. I was shocked, I had no idea where that balance was coming from. When I put two and two together I came to the conclusion that it was that " past due amount '' that XXXX had told me that it was going to be forgiven if I made my payments on time for a full year. I never knew how much that amount was until I received that statement that Nation Star sent me. I called Nation Star and I talked to a representative and I explained the situation. The rep had told me that in about another year it was going to pretty much disappear ( the past due amount ). The year passed and I called again to see what was process looking like, and that time they had told me that no, that now that " past due amount '' was going to be forgiven in about five years. I was very upset because I was told one thing and now it was another. When I asked for the lady that had helped me initially, they said that that rep did not work there anymore. A couple of months later I called to see what I could do to figure this problem out. Well this time they told me that the " past amount '' was not going to go away. I was very angry at that point because I felt like they were just stalling me to tell me. They pretty much lied to me. They defrauded me completely. All I ever wanted was to have that " past due amount '' forgiven and removed because thats what they had told me initially. I never missed a payment after the modification. Ive been loyal and what makes me even more upset is that they are trying to charge me more that what the house is actually worth.
Product: Debt collection

I received an automated call from the number XXXX with this message This is a confidential message for XXXX XXXX if you are not XXXX XXXX you must hang up now hello I'm being asked to report back to you which is a concern we have put a hold on your matter at your request that is a good thing but it has expired please call us back at XXXX we will be available until XXXX PM again the number is XXXX we do need to follow up for this matter will be taken out of our hands to pay online go to www.directrecoveryservices.com and click on the pay now link your account number is XXXX I am not XXXX XXXX.
Product: Credit reporting or other personal consumer reports

unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ).

2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.

3. My IRS tax transcripts, which were obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards. It also breaches the contract/agreement between myself and FASFA about my loan.
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 15 USC 1681. 


Account name : XXXX Account number : XXXX - {$530.00} - XXXX, XXXX Account name : XXXX Account number : XXXX - {$530.00} - 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have been contacted repeatedly by a collection agency, EOS CCA, saying that I owe student loan debt. I paid off all my student loan debt last year ( 2018 ) and confirmed this via the Department of Education as well as by checking my credit reports. This company is harassing me and my family, refuses to send me a copy of the supposed promissory note they say I signed, and refuses my claims that this is not my debt. I have provided them a statement to this affect both verbally and in writing. I've never heard of this agency before and believe this to be an attempt at fraudulent collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called and asked what options were due to hardship of paying student loan. I was informed in XX/XX/2019 that forbearance was an option and received and submitted the paperwork as requested. 
Forbearance was denied in letter received due to borrower not signing form. 
I have come to find out I was misled and this is not the reason, the real reason was the loan was charged off to collections before decision was made on denying my forbearance as co-signor. My son lost his job, and I had a XXXX XXXX and am not working, presently on XXXX XXXX XXXX. The loan was charged off XXXX-19 and my denial was not till XXXX-19. I was never informed of this sequence of events until I filed a XXXX of XXXX PA complaint. Only then, after leaving voice mail to call me which went un-responded to, was I contacted by XXXX XXXX. I have not been provided the accurate information along the path of attempting to forbear the loan. I simply am asking for options available to any borrower and attempting to pay the loan payments as required when able.
Product: Credit card or prepaid card

I have XXXX credit cards from Genesis Financial Solutions ( XXXX XXXX XXXX credit cards ) that are charging me a 34 % Annual Fee ( both charge me {$99.00} per year annual fee on a {$300.00} limit ). According to your website ( XXXX ) the limit is 25 %. I've called the company a couple of times and they refuse to move on this. They also sent me mail with the gist of it being 'you signed the terms of service, so that's final '. I've argued that what they are doing is illegal, but no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact XXXX XXXX, XXXX on numerous occasions ( XX/XX/XXXX @ XXXX spoke with a XXXX XXXX and a supervisor XXXX XXXX both forwarded me to credit dispute team member and they asked me to go to exeterfinance.com. ( XX/XX/XXXX @ XXXX spoke with an XXXX XXXX she stated that the dispute team had started a dispute and it would be completed and sent out within 30 days ). 

As of today, I have not received any information, emails, or calls in regards of a request to remove this account because it is out of the Mississippi Statute of Limitations. 

In Mississippi, Contracts, oral or written, and Promissory Notes have a statute of limitations of 3 years ( XXXX XXXX, XXXX, and XXXX ). 
This account was charged off and sold in XX/XX/XXXX.
Product: Credit reporting

TransUnion had a Computer Breach in their system that violated the rights of their consumers Under sections 6.11. I have been gravely affected and my score is suffering as a result. 
This computer glitch that caused all of the inquires on my credit report to be deleted, and my credit score increased. 
The very next week, all of the inquires were reinserted to my credit report without prior written notification in direct violation of Sec 611 of the Fair Reporting Credit Act. 
I have Spoken with multiple Reps of TransUnion and they all acknowledge that the Security Breach happened multiple times in 2016 but they refused to fix their error in my credit report. 
I am requesting that the reinserted inquires be permanently removed from my credit report. 
I Demand the following inquiries to be removed immediately 1. ) XXXX XXXX on XXXX/XXXX/2016 2. ) XXXX XXXX XXXX on XXXX/XXXX/2016 3. ) XXXX XXXX XXXX on XXXX/XXXX/2016
Product: Mortgage

The issue started in XXXX when I was on short term XXXX after being in a car accident. Wells Fargo said they would work with me and offered me the option to make partial payments. I made all of those payments but they still reported to the credit bureau that I missed 12 months of payments. This tanked my credit score and made it impossible to do any refinancing, and also affected a government job I had. A few years later ( XXXX ) I left said government job and needed assistance while in between jobs. I made the trial payments of the loan modification, and then at their direction I stopped making payments until the modification is complete because they told me it would mess up the modification. It actually caused the modification to fall through and I fell even further behind. I've tried multiple modifications and they have always found some excuse to not go through. Recently I am working out of state, and was applying for some assistance just to get current, and they informed me to wait for the VA options to become available, so I did. They ( Wells Fargo ) denied my eligibility for the better VA option because I'm not occupying the home ( I'm working out of state, my wife and daughter are in the home ). I contacted the VA and they informed me that working out of state is not a reason for denial. Wells Fargo refuses to reverse their decision, and has also continually told me conflicting information throughout this process : such as not informing me of a decision via email, and one agent reads the email that was supposedly sent to me over the phone ( it was never sent ), while the next agent I spoke to said no email was ever sent. They refuse to work with me and the only modification I'm approved for ( even though the VA says I should be approved for others ) is one that raised the interest rate to an insanely high amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts. 
XXXX {$1700.00} USDEPED XXXX {$2000.00} USDEPED XXXX {$2000.00} XXXX  XXXX {$2500.00} XXXX XXXX {$1500.00} XXXX XXXX {$0.00} XXXX XXXX {$20000.00} XXXX  XXXX {$860.00} XXXX  XXXX {$1000.00} XXXX XXXX {$22000.00} XXXX XXXX {$860.00} XXXX XXXX XXXX {$120.00} XXXX  XXXX {$640.00} XXXX  XXXX {$270.00} XXXX XXXX XXXX {$280.00} XXXX  XXXX {$860.00}
Product: Checking or savings account

I am maintaining checking account with Comerica Bank jointly with my wife. I have sufficient balance amount in my account as required by the bank. I am also having one account jointly with my daughter in XXXX with her name as first name and mine as joint holder. My daughter is not operating her account and not keeping the sufficient balance as required by bank. On XX/XX/2022 the bank debited {$46.00} from my account and transferred to my daughter 's account being negative balance for not keeping proper balance. Instead of closing her account or contacting her the bank started debiting {$11.00} for every month. This debit balance is being charged for the last 5 months. This does not make any sense to penalize me for the low balance in my daughter 's account. By doing this the bank is treating me as a defaulter. I request to intervene in the matter.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute an inaccuracy on my credit report. Upon reviewing my report, I noticed that the Lead Bank account contains incorrect information that needs to be corrected. 

Specifically, my report states that the account was 60 days past due in XX/XX/year> with XXXX and XXXX. However, I have maintained timely payments on this account, and I have supporting documentation that demonstrates my payments were made on time. Furthermore, XXXX does not reflect the same delinquency, which further indicates an inconsistency in the reporting. I kindly request that the credit bureau investigate this discrepancy with Lead Bank.. If the credit bureau can not verify the disputed information, I request that it be removed from my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my credit report and I noticed the following hard inquiries. I never filled out an application for credit and upon doing my research I noticed that this is a violation of the Fair Credit Reporting Act. 
This Act states that the only reason to pull an individual 's credit is for the following reasons : XXXX. A firm offer of credit XXXX. Insurance XXXX. Application for employment XXXX. A Court Order The following hard inquiries are not related to any of the following, I have never given these companies permission to use or have my personal information. If you refuse to remove these hard inquiries, I will move forward and ask for legal verification which would include ; the name and title of the person who pulled my credit, date they purport that I gave permission to have my credit pulled, method they purport that I gave permission to run my credit. Please include documentation of said permission. If you can not provide me with this information, remove these incorrect hard inquiries from my credit file as soon as possible. I have attached my FTC form, please do see. 

The following hard inquiries should be removed from my credit file as soon as possible. 
XXXXXXXX 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 reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX  XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

PHH Mortgage is impossible to communicate with. 
Recently they have realized how much money they could make processing the phone payments for which XXXX XXXX was charging a {$7.00} fee. 
What they did was turn a simple process into a complicated process which now takes ten minutes and eighteen separate phone prompt decisions just to make a basic mortgage payment.

Also the language is basically designed to confuse their mortgage holders in order to collect more money by creating approximately two dozen opportunities to make a mistake which is very confusing for their senior customers.

PHH is an evil empire and this issue needs to be addressed as soon as possible.

PHH also sends out fake letters claiming mortgage payments could be cheaper in order to receive those fees when actually any late payments in the past year makes it impossible for someone to qualify for these offers! 
.
Product: Credit reporting

On both my XXXX and experian credit report XXXX has listed that my account balance is for my auto loan is {$31000.00}. That vehicle was sold and the loan paid. I am no longer responsible for that account and would like the status on my reports to reflect that
Product: Checking or savings account

Purchases from XXXX to current charges was made in ny bank account. On XX/XX/XXXX filed a police report XXXX XXXX for identity theft and fraud. I then filed a report with my bank. The bank told me that they gave me forms when o open the account, that s was about safe guarding you info. I never received such a form. They also say it was no misprint for my pin and their was no mismatch in information. Which is why they decline my claim. I did not make any of those purchases. And it was not my fault my information was stolen in a XXXX. I would like the outcome that I get my money back. I am in the verge of being homeless with my children and we really need that money. So if I have you I ready to take this complaint to the end. I have nothing left to lose I m about to be in the street with my kids I need my money back. I spoke with the vendor they said they reported it as fraud they didnt charge me but than the money not in my account. This is so horrible that someone can act and try to look like you go around pretending to be you. And use your information and the first thing someone at the bank said to you is well it was no errors in your information. Well o would think so if they stole all of my information. 

Please resolved this
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX Account XXXX XXXX account # XXXX.
Product: Credit reporting or other personal consumer reports

I do not consent to XXXX verification and want an actual living human to read this complaint. I will have my invoice for damages and federal consumer violations attached below. Also, I will have marked up consumer reports from Transunion proving that my Federal Consumer Rights are being violated and the proof of a removed account. I fully intend to pursue arbitration or litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance in reference to me being violated by the XXXX XXXX XXXX XXXX reporting 's. I see that Transunion has removed an account from my consumer reporting, but I did not ask for that as a resolution so please add that account back to my report without showing transaction history nor my experience I'm having with XXXX XXXX XXXX XXXX. Also, I don't want no XXXX XXXX XXXX XXXX account on my consumer report showing any experiences I'm having nor transaction history. I want all accounts updated to just paid as agreed.
Product: Mortgage

An Appraisal payment was made XXXX to ( XXXX ) XXXX XXXX UT XXXX to refinance my residence. Have contacted XXXX NMLS # XXXX - ( C ) XXXX XXXX XXXX or XXXX XXXX XXXX and requested to provide the Loan Estimate numerous times to no avail. 

I am requesting a total refund for the refinancing process. The refinancing of my property should have been completed in less then 3 weeks hence, it is taking more than 8 months since the appraisal payment.

I have in sofar received any documents regarding the refinancing process.

Note, the refinancing of my property commenced in New York and apparently is now conducted in the State of Utah.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland Mortgage Company and I had a loan agreement for the amount of {$120000.00} to purchase a house. The agreement open date began in the month of XX/XX/XXXX. Payments I made totally of {$110000.00} were made. My inability to continue the monthly agreed payments or refinance led to a foreclosure in XX/XX/XXXX, with a remaining balance of {$9800.00}. The house was resold upon the date of XX/XX/XXXX, for {$74000.00}. The bank or lender recovered over half the balance of the loan, and the proceeds were applied against the amount remaining on the loan. The credit report shows inaccuracies, and the information has not been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been locked out and unable to access my credit report or any ongoing disputes despite filling out their online forms and calling them. This is a XXXX access issue once again, because as an XXXX XXXX, these hoops that there are no justifications with modern technology. Using COVID as an excuse is unacceptable. Open my account, update my information, finish the disputes.
Product: Credit reporting or other personal consumer reports

I saw on my credit file a hard inquiry by XXXX XXXX XXXX XXXX XXXX on XX/XX/2023 of which I never applied for auto loan .I called the XXXX XXXX  phone number I found on the credit bureaus then I spoke over the phone with they XXXX XXXX staff by name XXXX XXXX who confirmed they do not know me and they can remove the hard inquiry and he sent my experian office mailing address to dispute the report then XXXX XXXX will respond to the removal request but experian responded to me that that can only remove hard inquiry when the receive letter from the merchant. It had be unresolved since then till now