23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

that I can get resolution to a misrepresentation of myself by my former company United Security Financial Corp. 

I do not know the complaint ID, nor was I privy to any of the dates that this complaint was submitted but I was informed that a CFPB complaint was issued against United Security Financial Corp by a borrower named XXXX XXXX. The complaint was in reference to a refinance that I was the loan officer on. I have since discontinued my employment with them. XXXX XXXX issued her complaint due to United Security Financials unwillingness to provide payment for an appraisal that was promised to her by a branch manager at that time. The branch manager also no longer works for United Security Financial. 

I was contacted by XXXX XXXX on Friday XXXX XXXX, 2016. She stated that " XXXX of my old borrowers submitted a complaint '' XXXX could not tell me the name of the borrower at that time. Through her explanation of the complaint issued I assumed it was XXXX XXXX. XXXX stated that XXXX was seeking money for the appraisal as promised. I told XXXX that I was not the individual who made that promise to XXXX XXXX but I would look through my emails and correspondence with her to see if I could help both parties come to a resolution. We agreed that we would get back in touch after the weekend and then I received the below email from XXXX. ( please note that XXXX wrote me this email using the Subject header of a previous email exchange ) From : XXXX XXXX [ mailto : XXXXXXXXXXXX ] Sent : Thursday, XXXX XXXX, 2016 XXXX PM To : XXXX XXXX XXXXXXXXXXXX Subject : RE : VERIFICATION OF EMPLOYMENT REQUEST This is our response : Finally, XXXX XXXX XXXX alleges that she was promised she would get an appraisal fee back. USF had no knowledge of this promise. XXXX XXXX did not pay for the appraisal in advance, but did pay for the appraisal as part of the closing. No one, XXXX or XXXX XXXX, disputed the charge at closing. This allegation was not raised until well after the loan was closed, funded, and disbursed. 
USF has reached out to the loan officer, XXXX XXXX who is no longer employed by the company, to see if he had any knowledge of this promise. It is the opinion of USF, that this loan officer and customer have a long standing relationship. XXXX XXXX has agreed to pay them for the appraisal to resolve the issue. 



Best Regards, XXXX XXXX This response to the complaint provided by United Security Financial holds many fabrications and misleading information. The opinion of USF that XXXX XXXX and I had a long standing relationship is untrue. She was referred to me by another individual whom I was helping refinance their home as well. Furthermore, I never agreed to pay for the appraisal to resolve the issue. 

I would love to get in touch to find out what action I can take in order to clear my name on this complaint and dispute the facts represented by United Security Financial. Please reach out via email, telephone at any of the numbers listed below. 

Thank you very much, Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I was pressured into signing for a car that I as an XXXX yr old can hardly get in or out of ... my wife can't get in or out without a lot of pain or help the car is a 2021 XXXX XXXX... I have talked to VW leasing to explain my dilemma to no avail... they will not release me from my contract..I spent many hours reviewing paper work and numbers that day and do not think I was thinking clearly when I was explained the terms and my not being able to get out of the deal at all not even after thinking about it and experiencing the hardship of getting in and out of the car... This took place only a few weeks ago on XX/XX/2021 and I have driven the car only a few hundred miles mostly to take my spouse to Drs appointments ... .The car dealership was Volkswagon of XXXX Texas and VW leasing is the financial institution ... I would appreciate any assistance you can provide me... thank you in advance XXXX XXXX, XXXX XXXX XXXX XXXX Texas XXXX
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 : XXXXXXXX XXXX XXXXXXXX Account XXXX Account Name XXXX XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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: Student loan

Since XXXX  in XXXX, despite representing that Navient would help find the best repayment options me, Navient steered me into costly long-term forbearances instead of counseling me about the benefits of more affordable income-driven repayment plans. I was also a victim of predatory lending from XXXX XXXX. Interest that accrued because of Navients forbearance steering practices was added to my loan balances, Doubling the total amount due from XXXX to XXXX, pushing me further in debt. Had the company instead provided me with the help it promised, income-driven repayment plans could have potentially reduced my payments to as low as {$0.00} per month, provided interest subsidies, and/or helped attain forgiveness of any remaining balance after 20-25 years of qualifying payments. It's been 15 years and there is no dent in my student loans what so ever. 
In addition, XXXX XXXX, now Navient made predatory subprime loans to me and other students attending for-profit schools and colleges with low graduation rates even though it knew that borrowers would be unable to repay the loans. Navient made these risky private loans as an inducement to get schools and colleges to use Navient as a preferred lender for highly profitable federal loans. I was a victim and now I am forever in debt.
Product: Checking or savings account

On the weekend of XXXX XXXX XXXX, we were victims of fraudulent charges. The issue started with an email stating that my computer had been breached. I unfortunately, called the number on the email. The person I spoke to claimed he was with XXXX. He asked to remotely sign on to my computer to correct the problems. During this time, I noted that there had been fraudulent charges for purchase of bit coin from called XXXX XXXX through bank accounts we held at both XXXX XXXX and Fifth Third Bank. The person who was supposedly from XXXX, indicated that he could reverse those charges, which it appeared he was doing when I checked our accounts at both banks on-line. He also, said we had to let the charges go through in order for him to reverse them. Ultimately, I recognized that what this individual was telling me didn't seem to make sense. At that point, I blocked his phone number and notified the fraud departments at both XXXX XXXX and Fifth Third Bank that the charges were fraudulent. We ended up having to close our accounts at XXXX XXXX and open new ones. The reason we had opened the accounts at Fifth Third Bank was that at the time my husband was working part-time at XXXX University and XXXX XXXX XXXX XXXX XXXX XXXX WV, and there were no XXXX XXXX banking locations in the local vicinity of XXXX. Anyway, my husband discontinued working in XXXX in XXXX of 2022, so rather than close and reopen the accounts at Fifth Third Bank, we elected to close the accounts. At the time we closed the Fifth Third accounts, we thought our claim had been settled. However, we subsequently received a letter from Fifth Third Bank dated XX/XX/2022, that indicated 'Our research confirms that the transaction was valid. ' We subsequently spoke to the fraud department to contest their decision. We were told that I had supposedly confirmed the purchases in response to a text message from XXXX XXXX that was sent on XX/XX/2022 at XXXX XXXX I however, never received that text message, nor would I have approved such a purchase. Interestingly, when I've spoken to someone in the fraud since that time I was told that the supposed confirmation of the purchase was in an email that did not come from my email address. In addition, the individual admitted that the purshases were not consistent with out prior activity. We have since filed a dispute with Fifth Third Bank and have requested proof of their claim that we approved the purchase, however we have only received additional letters stating their research confirms that the transaction was valid. We have never received any other communications from the bank or its fraud department other than multiple letters that all state the same thing. In addition, we have since been referred to a collection agency. There has been no transparency in regards their denial of our claim that the charges were indeed fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX should not be reporting a collection/chargeoff in the amount of {$3500.00} on the XXXX original creditor XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) My son came down with medical issues and I suspected it was due to mold and the neighboring tenants smoking near my apartment. My son has severe XXXX and the smoke was seriously harming his health. I contacted the Apartment Complex Manager however, they didn't do anything to address the issues so I contacted the City and when the apartment complex found out that I did this, they forced me to move out. I found out later that they charged me for three ( 3 ) months rent for time I was not living in the apartment. I have attached email correspondence for reference. The apartment complex broke the lease, I did not. This was through no fault of my own. They broke the law for not fixing a material defect and allowing other tenants to smoke near my apartment unit, as well as unlawfully evicting me and kicking me out, and for unlawfully charging me for rents that I do not owe. I do not have an outstanding balance due and therefore there is nothing to collect and/or charge off. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed. I have contacted the  bureaus to remove this however, I have not been successful.
Product: Payday loan, title loan, personal loan, or advance loan

I had a loan with XXXX that offered a discounted APR rate every month. XXXX sold the loan to SST and the discounted APR rate was discontinued. I have called SST on three separate occasions to get my last statement from XXXX  to confirm the APR XXXX had me at matches what SST has and every time I call, they tell me that they already emailed it to me and that I have to put in another request. I have not received my most recent statement and I don't understand why it's so difficult for them to send it to me. I just put in my THIRD request today for the same document.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted the credit burea 4 times in writing with certified mail asking them to provide status on bankruptcy on my credit report. They said XXXX XXXX verified, which XXXX XXXX  does not show any bankruptcy on my credit file. they have lied and said the court house told them I have a bankruptcy, which is a LIE and wrong, because the courthouse sent a letter saying i do not. I sent the burea a copy of my report and they still have done nothing and say its verified. this is costing me thousands in interest rates and denials. I am getting really frustrated by Experian lying about this constantly. 

there is no authorization needed. they have to stop lying and hurting my credit. this is wrong
Product: Credit reporting, credit repair services, or other personal consumer reports

I have done many disputing items with these companies they are not investigating the items at all they are only letting you creditors send them payment history and leaving it on the credit report I have 3 late payments on my credit report and have had a payment plan with the companies I was told they will delete the late payments when payment was made I was told something different Im trying to get my life together and when I called these companies they was rude I got hung up on and it not fair as people we are control by a computer and can make your life so that you can live in this world
Product: Vehicle loan or lease

On XXXX XXXX my parents and in-laws were harassed via phone call about my past due car note payment. Personal information about my financial information was disclosed to these individuals without any permission from me. My father, mother, father-in law and mother-in law received phone calls early in the morning. When I contacted the company ( GLS ) and informed them I needed 2 more days to make a payment, the representative did not care to acknowledge my request. She was also very condescending and rude. This company has called me past XXXX at times, they wont stop harassing me. My vehicle was reposed at XXXX the following day. After calling them for information, the representative suggested I wouldnt have enough money to pay. I paid my past due balance of {$1500.00} and picked up my vehicle the same day. I made another payment this month of {$660.00} ( my monthly payment ) and they are still harassing me, it startles my nerves at this point. Please help. It violates US FDCPA laws to harass me and call me past XXXX and to contact my parents about my debt. My rights have been violated, I am only having a temporary financial hardship and will start work soon.
Product: Money transfer, virtual currency, or money service

In XX/XX/2017. I purchased a cashiers check from BB & T bank in XXXX XXXX  TX. The check was for XXXX XXXX  of XXXX XXXX XXXX. Make Homes Affordable The check was for {$1500.00}. After a two week long period?. I had been calling and emailing her and no response. I called the XXXX XXXX   Police Department.

They had decided that the company was XXXX XXXX and we had been scammed. I asked BB & T to track my check and they said it had been cashed.

BB & T would not give me any information about the bank or the company that had cashed it .There was not enough catagories for XXXX XXXX and XXXX XXXX XXXX . This involves all of them and so Im asking for them all to be investigated.

Thank you
Product: Credit card or prepaid card

In XX/XX/XXXX we called and spoke with AMEX customer service about the notice of an increase in the annual fee ( from {$450.00} to {$650.00} ). We were unsure if that applied to us since XXXX was the anniversary of when we opened an account, so we called to get clarification as we were deciding whether to keep this same level card. After the agent spoke with a supervisor, we were told that since our account renewed in XXXX of XXXX, we would not be charged the new fee until XX/XX/XXXX. We decided to keep the same level card we had since we would not have an increase this year. We were then charged the new fee. We spoke with customer service on XX/XX/XXXX or XXXX and they opened a case file for us. I followed up on XX/XX/XXXX and was told the case was closed with no explanation given. I asked to speak with a supervisor and as he looked into it, he said that since our renewal was in XXXX, we were charged the wrong amount. He sent the case again to the " back end ''. We followed up and the case was closed with no explanation given. We spoke again with an agent and he also sent the case in to be looked at. Last week I contacted AMEX on XXXX and someone looked into it for us. At one point they came back and admitted the customer service agents gave us the wrong information ( see attached screenshot of XXXX conversation ), but no adjustment would be made. They apologized for the inconvenience. That inconvenience cost us {$200.00}. It's frustrating that customer service can give us the wrong information, but the cost of the mistake would be borne by us. We would have made a different decision had we been given the correct information.
Product: Credit card or prepaid card

PayPal sent me a email XXXX saying my account was getting charged {$1200.00}. I called the number listed in the email XXXX and talked to XXXX XXXX employ # XXXX and he transferred me to XXXX XXXX 's at XXXX and he told me I had to get a debit card and take out money from XXXX  XXXX XXXX to protect my account. I bought XXXX XXXX XXXX gift cards at XXXX on XXXX XXXX XXXX in XXXX NY and sent a photo of the card to XXXX. 

The next day XXXX I released some thing was not right and talked to my bank and they told me this was fraud. 

I also heard from XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I have contacted Experian several times in regards to Inquires and accounts that are not mine due to identity theft. I have mailed XXXX identity theft affidavits to the company and no action has been taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The 3 Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Experian and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/2022 XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint against a collection agency, XXXX, XXXX XXXX, and XXXX Credit Bureaus regarding reporting inaccurate information and providing fraudulent credit information. This disputehas been filed 4 times for a Collection Item from [ IQ Data International ] This is inaccurate because, the amount listed as a debt was paid in full to the original creditor ( XXXX in XXXX XXXX XXXX on XX/XX/XXXX. I have included a copy of the Move Out Statement from the original creditor dated XX/XX/XXXX that shows a balance of {$0.00}. I am requesting that this item be removed from my file. 

This is also inaccurate because, the balance owed of {$570.00} listed is wrong, as this was paid in full to the original creditor on XX/XX/XXXX. 

This is also inaccurate because XXXX XXXX has reported different amounts to the bureau weekly over 6 times between XX/XX/XXXX and XX/XX/XXXX. This amount should not be changed. 

I have forwarded the following documentation to the entities listed above to supporting my claim : 1. Letter to XXXX, XXXX, and XXXX XXXX. 
2. Move Out Statement- Provided by the original creditor upon my move out. Listing the full payment of the amount owed of {$1100.00} dated on XX/XX/XXXX. I am requesting this be removed from my credit file or changed to reflect correct information.

3. Resident Ledger-Provided by the original creditor showing a corrected balance listed XX/XX/XXXX. This was sold to XXXX XXXX as a debt 2 months after the move out statement was provided with {$0.00} balance owed. I am requesting this be removed from my credit file or changed to reflect correct information. 
4. XXXX Credit reporting- XXXX XXXX  XXXX stated I paid the collection amount in full to them and have a {$0.00} balance. This is fraudulent. I have not paid any amount to XXXX XXXX XXXX XXXX Collection Agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Target Card Services had wrongly reported a delinquent account in XX/XX/2019 that has resulted in drastic drop in my credit scores.
Product: Credit reporting or other personal consumer reports

This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
CAPITAL ONE XXXX Balance {$1900.00} CAPITAL ONE XXXX Balance {$2900.00} CAPITAL ONE XXXX Balance {$1600.00}
Product: Vehicle loan or lease

I started my auto loan with Santander in XXXX of XXXX. Ive been a victim of predatory lending. I was told my loan was only a 4 year agreement with a {$2000.00} down payment and the internet rate seems to be much more than what I agreed on.Most payments are only going towards the interest and other fees. The loan started at XXXX with a payment of {$300.00} a month ... several of which I payed double and as of XXXX I will still owe them over 8k
Product: Debt collection

XXXX XXXX XXXX has been attempting to collect a debt from more than five years ago. The debt is from a credit card that got stolen along with other items in my wallet such as my social security card, other credit cards ( which were used and the other credit card companies disputed the charges ), and other items. I had been making payments on this debt but the written communications stopped happening until Messerli & Kramer, attorneys, sent me a debt collection attempt.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer '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 reinvestigation 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 XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

I went XXXX Store XXXX Store located at XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX, GA XXXX and phone number ( XXXX ) XXXX in XX/XX/2019 and applied for wireless phone for 5 phone numbers. I left XXXX store with no phones received and no account created. I began receiving XXXX bills for wireless service, although, I had no XXXX wireless or phone service. I called XXXX store locally and XXXX national headquarters numerous times, but to no avail. Now, they have collection account on my credit bureau. I need this remove and cease and desist collection order to XXXX and Sunrise Credit Services. I have contacted XXXX, XXXX, and my legal services. XXXX  suggested I contact CFPB. Thank you for the wonderful service you provide to American people as US Government public servants.