23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I refinanced my home with loandepot. The balance on the year ( I closed approx XXXX of XXXX. ) No issues. They instructed me to pay my property taxes for XXXX with the escrow refund from previous mortgage Co. I paid them in XXXX. In XXXX I received notice that my escrow was deficient due to loandepot paying my XXXX property taxes, raising my monthly payment by approx. XXXX a month. I called the company, they said they would apply for a refund and re-access my payment. The was on XX/XX/XXXX. They said it would take up to 60 days. I called back in 60 days and was informed they had not received anything from the tax department. I called the tax department, they said no refund was submitted. I am not sure why they would have you apply for a loan with an affordable payment knowing the escrow was not enough to make the years tax payment. Many homeowners would be stressed to have such a large increase in their payment. I feel they miss represented the company as caring for the well being of there customers. I feel so disappointed in myself for falling for it. Please help others to not being taken in and possibly being put in a positions to lose their home. Also they said the could do bi-monthly payments once we closed, which I told was told was not available. I had to make calls to have the closing costs corrected twice during the process as terms so we spoke to on the phone were not reflected on the statement.
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. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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: 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 rights to privacy and confidentiality under the 15 USC 1681. 


DEPT OF EDU/XXXX  ACCOUNT XXXX XXXX DEPT OF EDU/XXXX ACCOUNT # XXXX DEPT OF EDU/XXXX ACCOUNT # XXXX DEPT OF EDU/XXXX ACCOUNT # XXXX XXXX  ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX  ACCOUNT # XXXX INACCURATE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 section 602A. States I have the right to privacy.

15 USC 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c. ( A ) ( 5 ) section states no consumer reporting agency might 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 ended report by more than 7 years.

15 USC 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: Credit card

Credit card company sent a letter in with my XX/XX/year> statement that stated my credit score was a XXXX. But because they were offering other consumers with the same score, the same card and benefits, at a higher interest rate my interest rate has to go from 15.99 % to 23.74 %.

They also referenced my credit report and stated that I had accounts with delinquencies, which is not true. I work hard to keep my credit score high so that I can have lower interest rates.

They stated that my proportion of loan balances to loan amounts is too high. I owe approximately {$700.00} to credit card companies and have {$40.00} in credit.

When I talked with the company, I was told that there was nothing they could do and that interest rates were going up for everyone. 

Didn't the Federal Reserve just lower Interest rates? I do not understand how this credit card company can get away with doubling interest rates for consumers who have excellent credit and pay their bills on time.
Product: Mortgage

I was supposed to be in a 3 month trial plan, then I received a letter in the mail saying that they decided to accelerate the payment process and ask for the entire loan amount pad before XX/XX/XXXX or it would be auctioned off. Its XX/XX/XXXX. NewRez Mortgage company is who did this.
Product: Debt collection

XXXX XXXX XXXX has reported that I owe a debt of {$5900.00}. They have sent the debt to National Credit System collectors. I notified XXXXXXXX XXXX of my plans to move to XXXX Texas due to a new job which I started in XX/XX/2023. I closed on a house in that same month. I did not leave unpaid rental fees for the lease that was up in XXXX of XXXX. During the exit tour of the apartment the property manager, who is no longer employed at XXXX XXXX, gave me the ok that all was fine ; the apartment was not damaged, it was clean and I passed the exit tour with nothing due. I gave notice of intent not to renew my lease in plenty of time but it is noted here that I tried 7 times to meet with the management team to acknowledge the receipt of notice. I continue to have repeated unanswered communication with XXXX XXXX. I have had one returned cal from a district manager who said she would get back with me and I have not heard from her since. I have repeatedly requested an itemized list of charges from National Credit Assc and have received nothing. 
I need help in getting this resolved. After hundreds of people left with unpaid rental charges after the pandemic and did not get docked for it- yet I get docked for keeping my rent paid, depleted my savings for doing so, then got a great new job... gave plenty of notice per my lease, left no unpaid charges... yet I am reported to the credit bureau for nearly {$6000.00}. 
I NEED HELP!!!!
Product: Mortgage

Please open attachment below : XXXX XXXX for narratives for STEPS THREE, FOUR, & FIVE Please open attachment below : XXXX for the documents that provide evidence to support the narrative.

Please refer to the Cover Page, Page 01 of the XXXX to provide titles and page numbers for the supporting evidence.
Product: Checking or savings account

TCF Bank has placed all my accounts as Dormant. Since I moved to East Coast, I have not been able to visit any branch as they don't have any branches anywhere on the East Coast. They arbitrarily started charging " month maintenance '' and " dormant account '' fees in the past, and I placed a complaint ( # XXXX ) for my dormant checking account. Fortunately, TCF Bank decided to reverse these fees after my previous complaint. Now TCF Bank started to arbitrarily charge similar fees to my other two dormant savings accounts. 

I called again TCF Bank today ( around XXXX XXXX EST on XX/XX/2021 ) hoping they will resolve this issue, but the person who was helping me was not providing accurate information, stating that " no fees were being applied to any of my accounts ''. When I further inquired on the balance, the person ackowledged there were fees, but sated did not have the ability to remove any fees or explain why they started charging these fees. After asking to escalate and talke with a supervisor, they stated that the only way to remove any fees would be by visiting a branch in person, which would be expensive and time consuming for me as I moved to a different state. No electronic access is possible because the accounts are " dormant ''.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked and confused to find incorrect accounts appearing on my credit report. I routinely check it, but today, these errors seemed to appear out of nowhere. I even refreshed the page, thinking it might be a browser issue, but the inaccuracies remained. This has left me quite stressed, and Im asking that the documents Ive submitted be carefully reviewed so I can finally put this behind me.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I applied for a loan online from MoneyLion. The loan amount is XXXX which they were able to deposit into my XXXX checking account using my debit card information. On XX/XX/XXXX they were supposed to make a payment of XXXX using my same card. This should not have been a problem. In fact, this payment should have posted within seconds. I had more than enough to cover this transaction and I pay attention to everything in regards to my account. 

This morning, I woke up to check the status of the payment that should have been posted to my account several days ago. Well here is the result! The payment was never processed because they claim they had the wrong account information! I know my routing number and checking account number and I had this account from when I was an employee at XXXX. I also worked with reconciliation so I do pay very close attention to number especially what is due, what checks or direct deposit are being deposited for services I provide with various vendors. Now, they are claiming this loan is past due. I was livid this morning because I feel that MoneyLion is taking advantage of my situation by making the assumption that I do not pay loans on time. I'm saying this because my credit score was at XXXX based on the derogatory information reported by yours truly XXXX XXXX and XXXX. I will be filing a complaint about those two in a minute. Also, MoneyLion claimed that the loan that I borrowed from them would not affect my credit score. Guess what! When I accepted the loan, my credit score dropped down to XXXX. Also, they tend to inflate the amount of your expenses on their app. I thought MoneyLion was there to help consumer but I see they take advantage of people situation by not being honest!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get the XXXX account removed off my credit report as it's reporting different entries across all three credit bureaus. The bureaus aren't doing a proper investigation and are refusing to pay for the violations that have occurred despite the fact they are allowing it to happen. The credit bureaus are supposed to delete the inaccurate information but instead the are using the E-Oscar system. I'm asking for {$1000.00} per month for these violations per the FCRA which have been ongoing despite the proof that I've submitted. I have the right to sue XXXX as well as XXXX, XXXX, and Experian for willful violations and seek attorney fees. I have asked for statements and a contract and I've yet to be supplied anything. If they can't provide a contract this account needs to be deleted. This account should be deleted because XXXX is saying I filed bankruptcy and that isn't relative to me. As per the letter XXXX said it would remove the account if I asked. I'm asking XXXX and the bureaus to delete this account..
Product: Credit card or prepaid card

THIS IS AN EMERGENCY!!! 

NetSpend Prepaid Visa ( backed by XXXX ) has completely shut down. Nobody has access to their money. ALL transactions are being declined. The website is down. The customer service numbers are completely disconnected. This is scary. It is XX/XX/XXXX. People need to pay rent. I understand that they are probably being inundated with stimulus checks, but they KNEW these checks were coming. They should have prepared themselves. Now their systems have crashed and they disconnected their phone, so they don't have to talk to us. NetSpend has two customer service numbers. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. BOTH numbers are disconnected. The number to XXXX is XXXX XXXX XXXX XXXX XXXX. Nobody answers the phone. People need to pay rent. The federal government needs to investigate NetSpend/XXXX, because they can't just disconnect their phones when they neglect to prepare themselves for something that they KNEW was coming.
Product: Mortgage

My mortgage lender is Fifth Third Bank ( 53.com ). Please see the email below, which I sent to the banks executive team this afternoon. It contains all pertinent details regarding my complaint. 


Good afternoon, All, I am writing to express my complete and utter frustration with your loss mitigation practices. To be frank, I feel as though your team did not honor the hardship agreement that was finalized in XX/XX/2023. Consequently, I have every intention of filing an official complaint with the Consumer Financial Protection Bureau. 

I was contacted by a member of your loss mitigation department today because your records indicated my mortgage was in default. However, I had entered into a three-month forbearance agreement with 53 in XX/XX/2023. As I understood it, the payments due for the months of XXXX, XXXX, and XX/XX/2023 would be divided and added to my next six payments. I was fully prepared to honor this agreement. 

Unfortunately, your representative informed me that a repayment plan was never created by your team, and now he had to review my financials again to see if I qualified. Even though I have secured a new, six-figure job starting XX/XX/2023, I was told I did not qualify for the repayment plan due to my total household expenses. Therefore, I either had to remit full payment to reinstate the loan OR pursue other options such as short sale. 

I remitted the full $ XXXX today under duress. While I am thankful to have been in a position to do so, I can not help but wonder how many of your other customers have experienced similar issues. Would I have lost my home had I not drained my savings account to remit the payment? Not only is failing to honor the repayment plan unethical, I believe it borders on predatory lending practices for which I will ask the CFPB to investigate.
Product: Debt collection

This is a two-fold issue, I will address these separately below : 1 ) Collecting a Time Barred Debt : In XX/XX/2022, while looking for information about a similarly named family member on the XXXX website, my wife discovered what appeared to be an open case against me with our local court. We had no knowledge of this case having never received a summons or any other communication regarding this XXXX XXXX XXXX case. On XX/XX/2022 my wife called the debt collector involved, XXXX XXXX XXXX, to resolve the issue NOT KNOWING OR BEING ADVISED that this was now a time barred debt that we could not be sued for. At no time during her conversation with the XXXX XXXX representative was she informed of this and that by speaking with this representative she was actually restarting the clock on this old debt. 

2 ) Reneging on Agreement : During the conversation with this representative, a financial agreement was made and my wife was informed that as soon as the agreed upon amount was paid, a Satisfaction would be sent to the Court. On XX/XX/2022 we received an email confirmation from this representative. 

On XX/XX/2022 the agreed upon amount of {$320.00} was made via phone to XXXX XXXX. This was posted to my wife 's bank account in the form of an ACH check on XXXX XXXX. 

On XX/XX/2022 my wife emailed the representative informing her that the case was still showing as open on the XXXX website and asking to have it updated as per the Agreement. 

No response was received. On XX/XX/2022 my wife sent another email to " XXXX '' regarding the above. No response has been received and as of today, XX/XX/2022 the case is still showing as open.
Product: Credit reporting or other personal consumer reports

I did not give any permissible purpose for anyone to run my credit. I am wanting those inquiries to be delete it immediately. Inquiry name : XXXX XXXX Inquiry date : XX/XX/XXXX. Inquiry name : XXXX Inquiry date : XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a number of accounts I have disputed on my XXXX credit report and they come back with the results telling me they have been deleted from my report but when I search the report again a few week later or a month later and guess what? I have a new collection account - that same account I just had removed! 

Is this at all legal? Why do we take the time to document, create a dispute to have an entry investigated, then removed to only have it put back on the next time around. 

It will beat someone down after the XXXX or XXXX time!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, XXXX announced it experienced a data breach and my personal information was stolen. As a victim of Identity Theft, my social security number, home address, phone number, and email was stolen and then used to obtain credit cards, car loans, and other additional loans in my name. My life has been ruined and I need help. I've reached out to the credit bureaus but received little assistance. I submitted a letter XX/XX/XXXX to XXXX, transunion, and XXXX  but not haven't got a response. According to Section 6 ( a ) failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been more than 60 days with no response. I demand all horrific inquires, collection item, closed accounts, and previous addresses to be removed or I will file for litigation due to the stress you have caused. That is not me. Please see the attached document of the letter I sent to the credit bureaus and the XXXX  Data Breach Settlement given to me by XXXX  credit bureaus. Please take off inquires, collection item, closed accounts, and previous addresses. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, I recently had to transfer my student loans to a new company called Aidvantage, because XXXX said they will no longer be handling Federal student loan repayments. Ever since I transferred my student Federal loans I've been paying on them Aidvantage has not been putting accurate information on my credit score, they've even increased my loan amount, which caused my credit score to go down. I called Aidvantage to complain about my account having incorrect information reporting to my credit score and everytime I'm waiting to talk to an agent it says my call has been rejected. I've also tried login into my Aidvantage account online and after I enter my correct username and password it still wont show my account information, it just shows a blank screen, and they have not put out system will be down warnings, so it should work. Hopefully the inaccurate student loan information has nothing to do with me recently applying for a house and recently being preapproved.
Product: Debt collection

This collection company has signed agreement with me to removed this account and till date this account has not been removed. This repeated violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a revolving credit account with XXXX XXXX XXXX of XXXX, AZ opened in XXXX. In XXXX, XXXX, I paid off the balance I owed, almost {$20000.00}. Equifax has continued to inaccurately report I owe a balance of {$19000.00} as of XX/XX/XXXX. The other two credit bureaus, XXXX and XXXX, both correctly report a XXXX  balance on this account with XXXX XXXX XXXX. I have disputed the inaccurate balance reporting with Equifax twice, once online and once over the phone. Initial dispute # XXXX filed XX/XX/XXXX and subsequent dispute # XXXX filed XX/XX/XXXX. Twice the results of these two disputes continue to inaccurately report I owe the same balance, {$19000.00}. On XX/XX/XXXX I spoke with customer service representative XXXX at XXXX XXXX XXXX. I inquired about the error in my balance owing reporting by Equifax. She could only confirm that my balance was XXXX  and that XXXX XXXX XXXX reports to all three credit bureaus each month. XXXX suggested I dispute the error with Equifax. 
I then spoke with a customer service representative XXXX from Equifax on XX/XX/XXXX to inquire as to why the first dispute I submitted online did not correct the inaccurate balance reporting problem on my XXXX XXXX XXXX account. She suggested I dispute the inaccurate reporting of the amount owed again. I did so with her assistance over the phone. The results of the second dispute continue to show the same inaccurate balance owed, {$19000.00}. She did advise me that I could add a consumer note to this account disputing the amount owed. While all well and good, this does not change the calculated Equifax credit score that includes the inaccurate report of a balance due at XXXX XXXX XXXX of {$19000.00}. I was told there was no other method of correcting an error other than to continue to dispute it and include a consumer note on that account. This is fraudulent and abusive behavior committed by Equifax. I ask that this be investigated and corrected immediately. Willfully providing inaccurate account balance information to my creditors and potential creditors after being told twice of the inaccurate reporting is both harmful to me and negligent.
Product: Debt collection

The Best Service Company continues to violate consumer protection laws against me and I am concerned that my private information isn't safe and is in danger of identity theft, fraud, and trafficking due to the sharing, storing and furnishing of my information. I requested to opt out of those activities including debt collection but TBSC continues to violate various transactional and privacy laws. I ask that the CFPB enforce actions against TBSC and its assigns, affiliates and non affiliates on handling my private accounts. Attached is demand affidavit and agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not put the proper protocols in place and its database filled with sensitive information including consumers credit info was compromised by hackers.
Product: Money transfer, virtual currency, or money service

The institution of JP Morgan bank/Chase bank charged me {$5.00} for an account management fee and it seems like they might be trying to steal my tax refund. I have made to the account no {$13.00} deposit XX/XX/2024 to my savings account they said I did but I did not. They might have taken my maximum tax refund that was due by XX/XX/2024. I reported them to the FDIC .The bank has not yet relieved my maximum tax refund direct deposit to me yet. Just the micro deposit of {$13.00}.
Product: Debt collection

I wrote a debt validation letter to this company dated XX/XX/2020, giving them 30 days to validate the debt with me, if there is no verification within the 30days, they must stop collecting this debt and delete from my credit history. I also asked them to provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? Please include the signature.