23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I noticed a few unauthorized transactions. they refunded me sum of the transactions, but no info on three atm withdrawls, they told me that they could not provide any info. I belive it was identity/use of card without knowledge. theywill not give me proof of findings, also they did not replace the disputied funds like they said in the trems of card poiciy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) and University Accounting Service ( UAS ) misreported and kept my credit score at a low, causing me to enter into several deals with a higher-than-deserved interest rate for the last two years. Currently, this misreported score is keeping me from using my VA Home Loan to buy a house at a fair interest rate. 

From XX/XX/XXXX to XX/XX/XXXX, I attended XXXX to complete an XXXX ( XXXX XXXX XXXX ) studies. In XXXX, I took a private student loan from XXXX, who assigned it account number XXXX. I did not make payments towards the loan in XXXX, so XXXX sent the account to a collections agency, UAS, who kept the account number as XXXX. On XX/XX/XXXX, XXXX and/or UAS reported the delinquency to XXXX 

On or about XX/XX/XXXX, I entered into a repayment plan with UAS,  agreeing to pay {$55.00} per month on the loan. Neither XXXX nor UAS reported this agreement to XXXX 

A few months after entering into the repayment agreement, UAS changed their accounting system/software, which involved reassigning my account number from XXXX to account number XXXX. XXXX and/or UAS reported to XXXX that I had two delinquent accounts. 

On XX/XX/XXXX, after learning of the misreported information, I contacted both XXXX and UAS. They have informed me that they would " fix '' the situation. XXXX and/or UAS reported to XXXX that I had entered into an agreement, but failed to inform that I have not been delinquent in payments during the last two years and a half. 

Now, I have 15 days to close a deal on a house through VA and I will be obliged to enter into a mortgage agreement with a higher-than-deserved interest rate because of the misreporting by XXXX and/or UAS.
Product: Checking or savings account

Not honoring promotion offer. 

On XXXX XXXX, I opened an account with US Bank ( Smartly Checking account ) online with promo code XXXX. The initial deposit was XXXX dollars which went through. On XXXX XXXX, the bank closed my account without notice. I realized the account was closed since it did not show up on my app. I was not given any notice or email. On contacting the bank, I was just told " Fund transfer was rejected ''. I was directed to a bank branch to reopen the account. This was done with a new deposit of XXXX dollars. On a later calls to customer service service, I was informed the promo offer no longer holds since the account was closed and reopened. I was asked to speak to the branch which reopened my account. They say that they do not deal with any promotions. The customer service finally responded that they can not help me further.

This has wasted a lot of my time. I was forced to quickly try to reopen my account since my paycheck was to be deposited to it in a few days ( by direct deposit )
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a report identity theft due to recent discovery my identity has been comprised. The following items should be removed and deleted from my credit report Account Numbers : XXXX  XXXX XXXX # XXXX these accounts are Identity theft please delete. 
XXXX XXXX XXXX XXXX, XXXX this account is fraud please delete. 

XXXX ACCOUNT XXXX XXXX This account is an error duplicate entries please delete I do not recognize this company. 
XXXX XXXX XXXX XXXX All of these accounts should be reviewed and removed as soon as possible. I sent info for XXXX or agent of XXXX to do a reasonable investigation of my dispute, since it was never done please investigate this account thoroughly. 

I am in need a complete and well done investigation no E-Oscar system thank you, you would have known, that not only I have never been late on this account ; but that I am not sure if some of these account are even mine though your company claims to have verified this.
Product: Mortgage

The lender has failed to make contact or respond to the QWR request sent on  XXXX / XXXX /   2017  - The lender is in violation of RESPA guidelines with not responding to our request and the clients right to counsel.
Product: Mortgage

My Mortgage company : FREEDOM MORTGAGE XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NJ XXXX Who purchased my mortgage recently Erroneously paid : XXXX County Tax Office XXXX XXXX XXXX XXXX XXXX, TX XXXX On XX/XX/2021 - {$9200.00} from my escrow account. This caused my escrow to go into the negative, raising my monthly mortgage payment that was set in a agreed contract with the original financer. This caused me to lose A LOT of money in savings as I was unprepared for an event like this to happen within the first year of my mortgage. Freedom Mortgage has refused to take responsibility for this and instead has offered to refinance my mortgage with them, which I believe it unethical. Freedom mortgage has refused to contact the XXXX  Tax office in order to get the money back for going on 2 months now, leaving me with an inflated mortgage payment. 

Not only did they XXXX me over, but they did it knowing that the loan was XXXX proptery tax exempt, the reason behind there payment to XXXX  in the first place.
Product: Mortgage

This property was being worked on by Ocwen Loan servicing. We tried to get information on this property, we got no information and PHH couldn't find the property in their system. 

Why? because when we first spoke to PHH they told us that the Loan Number would remain the same, that was not true, they changed the loan number and did not notify or tell us. After 30 minutes waiting for a person to search they finally found the property under a new loan number. 

We did not know that all of the work that was submitted to Ocwen would not be recognized by PHH Mortgage. 

First we had to send a Modification package, after waiting 3 +months, Ocwen representative informed us that we had to file a Family Transfer Package, then we had to complete a Qualifying Assumptions Package. 

Now PHH is asking for a loan Modification Package. If Ocwen wanted the Family Transfer Package and The Qualifying Assumption Package, and a new Deed for the property. All of this was submitted to Ocwen : XXXX XXXX phone # XXXX option1 ext. XXXX.Fax # XXXX We only found out about the sale date through a person inquiring about the property. 
We received no correspondence from PHH with a sale date or any other information. 

We are asking for help with this property because we have done everything Ocwen asked us to do and now we must go through all of this again and have a sale date. 

Please help us with this situation. 
Thank You
Product: Credit reporting or other personal consumer reports

Hello and good day, please read this complaint carefully as this is very concerning. There are credit inquiries on my report that I don't recognize which seems to have been done online as I don't ever remember applying to these companies, they have accessed my credit report without my knowledge and permission to do so. I did not authorized these and are fraudulent, this is causing me unnecessary stress and anxiety.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was dismissed in my bankruptcy with the last activity ofXX/XX/XXXX. However, all 3 credit agencies reported it as a late payment in XX/XX/XXXX.
Product: Debt collection

On XX/XX/year> I received a text from a debt collection company called XXXX XXXX XXXX for purchase or purchases made under my name. I asked for a copy of the lease they said they would have someone email me a request form for it but they continued to try to collect this debt that is not mine. I then contacted XXXX  directly. I confirmed basic demographics for the representative and immediately told him I was trying to obtain information, including a copy of a lease because that was not mine and I wanted to see where or originated who from etc. I was then told that I can not have any information about it because I was claiming that it was not mine. I was told that would need to submit a police report however he refused to give me the amount I supposedly owe or any other information that I could file a police report for. Addendum, I get a ton of spam email so I use apps to help me clean up and unsubscribe from mailing lists. While I could not locate any emails from XXXX  in my normal email app. I was able to locate one via the XXXX XXXX. This is XXXX  DENYING me credit, so how is it that they are not charging me for something? The only thing I dont agree with on the email is previous lease history because I have never had a lease with these people or any other company for that matter. NEVER. I also am not able to locate a date on this but its attached nevertheless. Note : I am happy to file a police report but how do I do that without any information about this supposed debt I owe?
Product: Debt collection

These accounts are an result of fraud XXXX  {$1300.00} XXXX XXXX {$7800.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized account on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX sold my account to a third party which is trying to collect on a debt that was writing off as bad debt. This account has been on my credit report shown as bad debt for a period of time. The third party that is trying to collect on this matter have put this on my credit report as that i open this account on XX/XX/2023 which is not true. This illegal maneuver have cause my credit score to drop a XXXX points. This is a fraudulent act and should be rectify ASAP. I have sumitted a copy of the report showing the fraudulent act.
Product: Payday loan, title loan, or personal loan

In an attempt to get a {$5200.00} loan, I was told 24 hours for a decision. After 72 hours I tried to cancel the loan. When I asked to speak with a supervisor, none were available. I sent an email to cancel my loan request, and asked for a prompt response, since they are open 7 days a week. Again, I waited. Then today, after 96 hours, I tried to call to verify my email had been received. 3 times, the call instantly hung up. The one time I got through to XXXX at XXXX XXXX, I told her my issue, and she hung up. 

I cant allow myself, or another person, in good conscience to be accountable to a company who acts in this fashion. What if this was me trying to make a payment at the last moment before extra interest is accrued? 

I, thankfully, havent gotten a loan approval still, and will cancel immediately, if I do. This has been a nightmare process, since I dont like giving my financial information to anyone. I have already changed all my passwords, and denied them access to my accounts. 

Please refer me to any other steps I should take, since the agents are obviously not American, and I am stressed about who they may sell my information to. 

Thank you, XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions XXXX XXXX XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Bank account or service

Paypal has restricted my account, preventing me from making any changes to the account or even closing the account, and preventing any transactions on the account, until I provide a copy of my photo drivers license and recent utility bill. Paypal has refused my verbal and written requests to provide their information security policy and procedures for my review so I can determine if they can be trusted to protect my personal identifying information from hackers or others intruders into their systems.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX have been reporting late payments when all payments were pay as agreed since XX/XX/XXXX.They also repossessed my vehicle when a payment arrangement was made the day before in XX/XX/XXXX, with a balance XXXX. I have paid {$6900.00} to XXXX  XXXX.
Product: Student loan

Dear Consumer Financial Protection Bureau, CFPB : I am a Federal Student Loan borrower with FedLoan Servicing and a participant in the XXXX XXXX XXXX XXXX XXXX ( XXXX  ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

After receiving notification regarding the extension of the XXXX XXXX XXXX, I completed an original consolidation online for all of my XXXX and Direct Consolidation Loans, in accordance with the waiver instructions in XXXX. I immediately became concerned because an automated letter from FedLoans indicated all my loan counts would restart at a zero payment count. So on XX/XX/XXXX, I spoke to XXXX at FedLoan servicing who told me NOT to consolidate all the loans, and she actually removed the Direct Loans from my consolidation. ( Please see attachments- 1 is my original, and 2 is the incorrect one that was processed. ) Because everything else was filed correctly, my account was reviewed, and I was forgiven only the XXXX loans which had the qualifying XXXX payments. This payment count should have forgiven all my loans based on the new XXXX waiver ; however, because of the FedLoan representatives change, they were not. 

I have a timeline of events, the names of XXXX FedLoan representatives who provided the same misinformation when I attempted to fix the first representatives error, and screenshots of an online chat that also gave the same misinformation. Each conversation confirmed that all XXXX loans should not have been consolidated, which apparently is completely inaccurate. 

I properly followed procedures but was horribly misled. I am now stuck with {$63000.00} that should have been forgiven on XX/XX/XXXX according to the XXXX waiver extension. How do I proceed in having the consolidation corrected?
Product: Debt collection

I'm apply for a sensitive public trust position with the XXXX government. On my credit report, it shows that I owe {$850.00} to XXXXMidland Funding , who obtained a judgment in XXXX district court for that amount. 

On XX/XX/2021, I called Midland and they said they have no record of that debt, and I called XXXX XXXX XXXX credit card services, who told me to contact XXXX, and XXXX told me to call Midland. 

On XX/XX/2021, I contacted the attorney of record on the judgment, and she instructed me to call the XXXX XXXX XXXX in XXXX XXXX, Michigan. XXXX told me to call Midland Credit and provide reference no, XXXX, and the last XXXX of the credit card was XXXX. 

On XX/XX/2021, I contacted Midland Funding and provided all the information and they still couldn't locate the debt. They couldn't locate the debt records, and told me that I am not obligated to pay on the account and a satisfaction will be recorded at the courthouse within XXXX days. I told them that fine, but I want a letter on Midland 's letterhead stating what they just old me. Midland said they are unable to do that. Midland would not forward the call or request to a supervisor to provide that letter. Midland 's number XXXX, XXXX, or XXXX. 

I can not wait thirty days. I'm undergoing a background investigation, and I want a letter indicating that I do not owe the debt and the court judgment will be satisfied so that I can present it to the federal investigator performing my background and clearance checks.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to un-freeze my credit so I can apply for a Home Mortgage. I have been successful with XXXX & XXXX. I am unable to get my account un-frozen with Equifax. I tried to unfreeze my account starting Friday XX/XX/XXXX on line. This was unsuccessful and I was instructed to contact customer service for help. I called customer service for help at XXXX on Monday XX/XX/XXXX and was told that their system was updating and to call back in 2 hours and they would be able to help me. I called back every two hours for the next 8 hours, still the same answer. On Tuesday XX/XX/XXXX I tried online again and received the same error message. I contacted them again and was given the same information that their system was updating and that they did not have access to it to help me. I asked for the supervisor and spoke with a women that I could not understand very well and asked for her name which she refused to give me but told me when asked there was no one above her and she ran the Global Equifax Corporation. I called again today Wednesday XX/XX/XXXX and received the same information that their system is updating and they don't have access to un-freeze my account. As a side note my husband was able to un-freeze his account on Monday the XXXX and can still log into their system on both the XXXX & XXXX. Subsequently I lost my 2.5 % interest rate lock for my mortgage refinance. I am at a lose and don't know what to do. Who do I get my Equifax account un-frozen? I asked them to delete my account so I could obtain a new one and again was told they don't have access to any system that would allow them to do that. I feel like my account is frozen for life. This has had a negative financial burden for me and I'd like to get it resolved. Can you please advise me what steps I should take next? Thank you for your assistance. I appreciate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested pre-approval letter for my mortgage. I have permitted my lender to run credit inquiry for that and he ( XXXX XXXX ) ran credit one time on XX/XX/2021 ( XXXX XXXX ). But on my report one more inquiry shown on XX/XX/2021 which I did not authorized and it was failed somehow. So, I tried to contact all three bureau Transunion, XXXX and XXXX. I only got response from XXXX but I am not satisfied with their answer. However, I did not get response from other two reporting agency and its hard to reach them and also they don't provide service online as XXXX provide. So, my ultimate goal is to remove unnecessary wrong inquiry from XX/XX/2021 and keep from XX/XX/2021 which is valid. 
My other half ( my co-borrower ) and I requested pre-approval letter same time and we both faced same issue. XXXX removed inquiry from his report and waiting for other two to remove from report. So, I tried to reach directly to them to resolve issue without complaining on this platform. But it was really really tough to reach them over the call.
Product: Debt collection

I reached out to the creditor multiple times and never received a response regarding the debt being reported by them on my credit report. The credit bureaus have validated the debt but no one is providing me the debt validation
Product: Checking or savings account

I am currently going through a legal case where my account was charged twice for a rental by Enterprise. I disputed it multiples with Chase but they stated that they could not do anything about it. I told them I was only liable for 1 charge but Chase stated that they could not reverse it. I told them it was fraudulent and had no other issues with my account until this happened in XXXX. I asked for proof of the secured messages because I wrote a check that did not clear in XXXX because my account was closed. The XXXX  office requested information about the fraud I reported to chase. I went to 3 chase banks and called mulitple times to only get they no longer have this information on file. Chase issued me a new card due to the fraud. I am in a bad situation because I cant get proof from Chase even though I reported it to them multiple times by phone and in the secure banking portal. I was a victim of identity theft XX/XX/year> and filed that information as well with the FTC and my local police. They will only drop the charge if Chase produces the information i've asked for repeatedly.
Product: Credit card

capital one, despite 3 filed complaints, still provides no viable option to remove fraud alert from account.
Product: Credit reporting or other personal consumer reports

I OBTAINED ANOTHER COPY OF MY CREDIT REPORT AFTER BEING ADVISED MY INFO HAS BEEN INVOLVED IN A DATA BREACH, I NOTICED ANOTHER ACCOUNT THAT I HAVE NO KNOWLEDGE OF HAS BEEN ADDED TO MY ACCOUNT. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND CERTIFIED MAIL. I REQUESTED THAT THE ACCOUNT BE VERIFIED, AND THIS ACCOUNT IS UNVERIFIABLE BUT STILL BEING REPORTED TO MY CONSUMER PROFILE. 

I HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681.

FURTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2.

REPORTING FRAUDULENT ACCOUNTS IS SEVERELY IMPACTING MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 XXXX