23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

This complaint is centered around multiple attempts to defer payments on my private student loans. In short, the loan servicer, American Education Services has provided inaccurate information resulting in 1 ) forbearance being denied and 2 ) severe delinquency of the account. 

In XX/XX/XXXX, after confirming my eligibility, I submitted a request to put all my loans in forbearance as I was working toward a professional license and while caring for my XXXX   small children. I did not receive income during this time. My request was approved however I was notified in XX/XX/XXXX that I had a payment due. Confused, I submitted another general forbearance request online. After another notification I was approved but yet I still has a balance due, I called and learned that private student loan forbearance required a separate request- An MRU Forbearance Request. An AES employee emailed me the private forbearance request form on XX/XX/XXXX and I completed them and sent them in via U.S. Postal service per the instructions. I also made a payment on the account in XX/XX/XXXX to demonstrate I was striving for resolution. This payment was very difficult for my family. After several weeks and yet another payment accrued, I received a letter ( dated XX/XX/XXXX ) indicating that my forbearance request was denied. I called AES to find out why the request was denied and learned from an employee that I signed the form XXXX XXXX XXXX and the request was denied because I signed my married name ( which is my legal name ). Interestingly, my payments to AES have come out of my banking account with the name XXXX for the past five years but that discrepancy raised no flags. In any event, I found out that I needed to change the name on my account so I furnished AES with the necessary documentation to do so. I was told by AES that I should submit another MRU Forbearance Request which I submitted on XX/XX/XXXX. On XX/XX/XXXX, AES notified me that my name change was accepted but still not word on the MRU Forbearance request. On XX/XX/XXXX I was notified my MRU Forbearance request was denied because now I owed too much on my loans to be eligible for forbearance. So I call again and learn that if I payed {$370.00} on the account, I would then be eligible for the forbearance. So, again, I made a very difficult to make payment that day, XX/XX/XXXX and submitted a third Forbearance Request. The third request was denied because the AES employee who told me to pay XXXX on XX/XX/XXXX was, " mistaken '' and needed to pay another {$370.00}. I did not have the funds to do so and was told that I should just consolidate my loans with another company. At this point, I no longer have faith that I can resolve this with AES. The reasons for the initial denial and subsequent denials now seem intentionally obstructionist. I have made a small payment on the account for the past few months to show some effort until I am able to get back to work and resume payments.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, i was charged fees due to lagged posting of charges and credits. this issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX Balance : - XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX  XXXX XXXX Balance : {$23.00} XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$570.00} XXXX Inquired on XX/XX/2023 XXXX  Inquired on XX/XX/2023 XXXX XXXX Inquired XXXX XX/XX/2023 XXXX
Product: Debt collection

Requested Midwest Service Bureau to not call me at my employer during conversation in XXXX 2016. I was paged through my employer today, XXXX/XXXX/16 @ XXXX, by XXXX XXXX at Midwest Service Bureau regarding the same accounts.
Product: Checking or savings account

XXXX. As a US bank client, I never opt in overdraft protection, I do NOT need it at all. However, US bank repeatedly charged me in total 9 overdraft fees ( {$36.00} each ) on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, respectively. I did not see any reason US bank should charge me any overdraft fees as I never switch on the overdraft protection. 

2. I called the customer twice and the manager ( a super nice man ) promised to waiver all the charged overdraft fees as he agreed that : 1 ) I encountered fiscal issues during the pandemic which is ubiquitous and understandable ; 2 ) I never opt in overdraft protection so US bank had no reason to charge me.

3. I got the first 5 out of 9 overdraft fees waivered, however, the latter 4 is still in the air and I called again on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, however, US bank refused to waive the fee at this time. 

4. The latter 4 overdraft fees were repeatedly charged on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX when my account balance was more than XXXX  ( please refer to the attached file for more details ), which is really insane.

5. I felt I have wasted too much time on this piece of thing and hope it will be addressed ASAP. I honestly do not see any reason that US bank should charge any overdraft fee when my account balance is positive. Their malfunction banking system adversely impacted my life as I need to spend time dealing with the mistake they made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I only applied for a car loan from XXXX XXXX XXXX and I only applied for a mortgage from XXXX XXXX. However I have the following XX/XX/2020 CERTIFIED CREDIT, XXXX XXXX XXXX XXXX, XXXX, CA XXXX XX/XX/2020 XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XX/XX/2020 XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/2020 XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX, VA XXXX XX/XX/2020 CREDIT  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/2020 XXXX XXXX DEALER SERVICES, XXXX XXXX XXXX, XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I tried to sign up for an Experian account so as to place a security freeze on my credit report. I was unable to verify my identity online and called the provided phone number. The automated assistant was also unable to verify my identity and refused to transfer me to a representative no matter which call tree option I went down, leaving me with no recourse to place my freeze online or by phone. They had a third option to submit the freeze by uploading appropriate documentation in XXXX format but the upload center errored out all three times I tried it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Consent and Right to Privacy was affected!
Product: Mortgage

LOAN # : XXXX LOAN : FHA I am writing you in regards to my mortgage that is wrongfully in foreclosure. 
Please note for the last couple of years Wells Fargo has been notified that my escrow account has been miscalculated since year XXXX to present and Wells Fargo has not attempt to recalculate my escrow account. 

I am also concerned about fees that was add to my escrow during this period ( XX/XX/XXXX year - XX/XX/XXXX ). 
Those fees should have been and should be reversed. 

I have provided this information to HUD, Wells Fargo, Consumer Bureau Financial Protection and to my Chapter XXXX attorney. 

I have been to local Wells Fargos and provided this information to the Manager and Loan Officers and a Real Estate Attorney ; they have agreed with me that my account is miscalculated. 

I have various news articles and have contacted attorneys with class action lawsuits about the Loan Modification miscalculation which is the cause of my loan being placed into foreclosure, a hardship and increase in my monthly mortgage payments. 

I am asking that you as the attorney investigate and compare Wells Fargo calculation in my escrow from XX/XX/XXXX year to XX/XX/XXXX my concern. I have attached my spreadsheet which reflect the correct balances currently. 

**As of XX/XX/XXXX, I do not owe Wells Fargo any money. 
Please see credits HUD FUNDS LEFT OVER - {$1800.00} and my Escrow has a credit of - {$2100.00} and the actual Principal is {$120000.00}. This is the balance that should have been reflected in my Chapter XXXX and calculated for my new mortgage payments because the loan was reamortized. 

I had to dismiss my Chapter XXXX because my attorney at the time and the Chapter XXXX Judge / Trustee explain that there was several miscalculation and my Chapter XXXX would not solve the miscalculation issues. I was told to contact Wells Fargo in which I have on going since XX/XX/XXXXyear to XX/XX/XXXX. 

I have a permanent XXXX and I feel as though I am being taken advantage of by Wells Fargo, HUD and etc. I do not believe it is very hard to recalculate an escrow account ; as, I have been asking for since XX/XX/XXXX year toXX/XX/XXXX to correct this issue. 

Thank you, XXXX XXXX
Product: Money transfer, virtual currency, or money service

My problem is that paypal has been place a limitation on my account after i request to get help with a couple transaction. Id. de XXXX ) i try many time to made a payment and it was not been completed. i really feel sad with this situation when i always use my account in good way and now this happend. I just try to use my account couple time and that issue place alert to the system and place a limitation. 

after that this limitation was removed but the problem is happen again when i try to use a payment. 

will you please help to resolve the issue or call me to the number registrer on my account please. 

i think sometime the problem using my table can be cause by that.
Product: Vehicle loan or lease

Navy Federal credit Union raised my interest rate from 12 % to 18 % and my monthly payment from {$300.00} to {$350.00} a month all because they said my signature on my power of attorney did not match the signature on the loan through the DMV. They did not bring this to my attention before doing it once I noticed it I reached out to them to fix it. I was told I needed to resign my power of attorney with a matching signature. I was told by Navy Federal supervisors how to sign my name three different times three different ways which was told to them by the underwriters and each time it was never accepted without notification to me. Each time I signed a new power of attorney and mailed it back to Navy Federal credit Union after 2 to 3 weeks I called them to confirm and that is how I found out they did not accept it. I finally found a competent employee at Navy Federal that wanted to help me and over rid everything on the account trying to fix it so that my interest rate went back down to 12 % and my monthly payment went back down to {$300.00}. This individual was able to get my interest rate back down but I am still paying {$350.00} a month and I was told that would go back to the original agreed upon amount and it has not. I have spoken with several supervisors since that conversation and they have all told me they need to look into it and they would get back to me and none of them have. This has been going on for well over a year now and they refuse to communicate with me on the matter when I call in they all just keep telling me they need to look into it and that they will get back to me and nobody does. I believe Navy Federal is in breach of contract for this auto loan and I would like to be released from contract with full ownership of my vehicle. I have done everything Navy Federal credit Union has asked me to do and they continue to drop the ball and overcharge me every month. I have been in continuous contact with Navy Federal credit Union to resolve this situation correctly and swiftly and they have dragged it out for over a year and continue to overcharge me and have done nothing about it at the supervisory level and I believe they are in breach of contract and that I have the right to be released from contract with XXXX obligations to them. If Navy Federal does not want to resolve this matter in my favor than I do believe I have full right to sue for damages.
Product: Credit card or prepaid card

On XX/XX/XXXX, I placed an order to install customized drapery for my home with XXXX XXXX, decorator for JCPenny. I signed the contract and the drapery was to be installed within 8 weeks. 
After waiting for more than 19 weeks, I was appalled that the wrong drapery style was installed. After the installation I showed the contractor the style I and the decorator agreed on, he said that is different style. He said he will contact XXXX, the decorator. The same day I texted a picture of the newly installed drapery with the style I ordered to see the difference ( see attachment ). The difference is obvious. At first she was trying to convince me that it is the same style. The same day I emailed the store manager about  the issue. She emailed me the next day and said the she will look into the issue. On Friday XX/XX/XXXX, XXXX came to my home to see the installation ; She saw that the wrong style was installed. She said she would email her supervisor to see what the next step will be. 
On XX/XX/XXXX she called me and said that she will not redo the installation. I will have to pay for a new order in full and she would give me 50 percent off on the previous order ( The wrong style ).. This means I wont get reimbursed for the wrong style that was installed. I would have to pay in full for a new order, and then she will give me 50 percent off on the wrong order, which was her fault. 
Since they refused to help, i disputed the charge with their Credit card ( XXXX XXXX ).  Unfortunately they did not try to resolve the dispute. Instead they sent me a letter after about 2 months stating that " Special order items are charged at the time the order is placed is placed rather than when it is delivered ". They used the wrong reason to deny my claim. The actual reason for the dispute was JCpenny failed to install the right drapery. 
The text messages I exchanged with XXXX ( the decorator ), and the pictures of the style I was expecting, and the style installed showed that I was misled tremendously. The evidence for the case is overwhelming. I have attached pictures for the style installed, and the style I was expecting. I have also attached a copy of my email exchange with the store manager, and my text message exchanges with the decorator.

I had two decorators come to my home to check the installation. They both said it is not the same as the one XXXX agreed to order. 
I am disputing a total charge of XXXX dollars posted on two occasions : XX/XX/XXXX and ; XX/XX/XXXX. 
I have attached supporting documents
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan with XXXX and even after I lost my job as of XX/XX/XXXX and still was making my payments on time to them and there were no late payments during this time at all even though they reported me late several times and still are with regards to my 3 credit reports. 

The vehicle was totaled as of XX/XX/XXXX and XXXX received a payment from XXXX XXXX XXXX in the amount of {$16.00}, XXXX. The balance on my credit reports needs to be updated to reflect {$0.00} ASAP along with all the points returned to me that I lost as a result of the derogatory info. being reported and affecting me negatively. 

XXXX is also currently under investigation with NCUA regarding this matter as well and I have not heard anything from XXXX regarding this matter or the check that was received as a result of this matter the case number is XXXX.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit card

My wife had accrued over a thousand dollars in one of her XXXX card which is serviced by XXXX bank corp. or HSBC. As she was delayed in her payments, Hsbc called her on the phone in 2010. HSBC made her to agree to several monthly automated payments through her checking account to pay the full amount. About 2 years ago, XXXX a debt collector served us papers through the courts suing us for the full amount. She searched her records but could not find any file that showed she had paid off the debt. We have accessed her checking statements online and indeed she made payments of around XXXX to HSBC card services CO id XXXX XXXX web misc XXXX for 5 months. She went to a local XXXX XXXX branch to identify what account the money went to. XXXX XXXX said they could not help us and told her to call HSBC. She was told by HSBC that they do not have records on how to track these transactions. We contested this in the local courts and the judge ruled that since we can not prove that the money did not go the account which is now held by XXXX that we have to pay XXXX XXXX. We sent a certified letter to the lawyers of XXXX XXXX stating that we are willing to pay on a monthly basis to cover the amount. My have not heard from them since. My wife is seeking a mortgage and the broker said that she has to settle this account before she can get a mortgage. 
We need help in trying to trace where the money went. 
As a warning to others, always keep your records whenever you payoff a debt. Also automated debits do not give a full record of where your money goes so probably it is better to pay off by check as a back up record. Creditors want to give you discounts on your debt for automated debits as probably it is hard to trace where your money went.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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  XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Unauthorized Inquiries : 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 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 XXXXXX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Money transfer, virtual currency, or money service

Back in XXXX Ill purchase promotional services from a promotional company that I thought was legit they scammed me out of {$1200.00} and I ask for a refund they advised me that they would not give me a refund I try to report this issue to Cash App they say basically oh well then I reported this issue to my bank Who advise me that I would have to take this out with cash app I reach back out to cash out for help and they advised me that there was nothing that they can do I reported the persons account as a scam and now that person has scammed another person cash app is refusing to acknowledge this problem and give me my money back from this persons account they are scamming people and Cash App is allowing them to scam people I would like a deeper investigation into this matter as I do have receipts and confirmation of the services that I wanted but was not provided I have requested a refund from this person in which they decline and I advise that to cash app as well I would just like my money back because I am a single mother and I was trying to invest into my career by promoting my business and was ripped off I also see no cash app has a I have been scammed button which is new on the platform I did not have the option to say that I was scammed at that point in time but now that I do I would like to utilize this option and let cash app know that I will scam
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax for their ongoing failure to maintain accurate and complete information on my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ). Despite multiple attempts to dispute and correct erroneous information, Equifax has persistently reported false, inaccurate, and misleading information on my credit file. I have provided Equifax with the correct and accurate information that should be reflected on my credit report, including my name, date of birth, Social Security number, address, and phone number. Additionally, I have disputed specific accounts that are inaccurately reported on my credit report, yet Equifax has failed to correct these errors or conduct a proper investigation as required by law.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission.
Product: Debt collection

I had a rental lease agreement with this company in which the agreement was misrepresented I was being forced into a new agreement in which the total amount due was twice as much as the original one I tried to work with company to pay down on what was owed but they wanted an unreasonable amount when furniture wasnt worth what they were asking for then they put my account into collections
Product: Debt collection

My identity was stolen, and now I have a collection on my credit report.