23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I learned that EquiFax had a security breach where 143 million customers ' worth of data was accessible through a web vulnerability ( indicating very poor security practices on their part ). On XX/XX/XXXX, I used the website they set up and learned that my information was contained in the breach, meaning that EquiFax disclosed my personal credit information without my consent.
Note that I did not check on XX/XX/XXXXwhether I was involved in the breach, because I was lead to believe by ambiguous wording in EquiFax 's Terms of Service that I was waiving my right to pursue legal action against them by learning whether I was involved in the breach. After their clarification on the XXXX, I was able to check.
Subsequent to learning that my information was compromised, I pulled my credit reports to see if there was any unauthorized access ( there was n't ), and then I placed a fraud alert on my report. I did not opt into EquiFax 's offered credit monitoring, because doing so would also waive my right to pursue legal action against them.
Product: Money transfer, virtual currency, or money service

Basically I received money from unemployment through direct deposit and they permanently closed my account I went through there resolution process and tried to call but was on hold for hours I sent them all the information they requested to verify my account and got no reply please help me be able to access my account funds I have kids and rely on that money to keep a roof over there heads please XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want my idenity back and my chance at having a good credit history i been a victim of idenity theft since 2013 when i was released from the XXXX XXXX XXXX XXXX  i ve been used and tooking advantage of my chance at ever building or establishing credit i have never owned a bank account or had a credit card yet im banned and not allowed to have one they said i was red flagged the panademic happened i got sick with covid XXXX  the XXXX  strand and the XXXX  and i couldnt even recieve ui benfits or pua benefits because someone else claim my money ive filed fraud and idenity yet im still wrongfully being accused of all different kinds of emoloyment and benefits i never recieved im a single mother and i didnt finish high school but i did get my XXXX  in XXXX  i been asking for help and tryn to fix and dispute things on my file that are not mine i cant even get a annual credit report because they say my information doesnt match what am i suppose to do i ask and call write and send emails yet im still getting no where i was told i recieved XXXX in unemployment benefits where i wan na knw where and when i got this money im living in a XXXX XXXX  and been XXXX  since the panademic i hate that ive suffered so much due to negligence of the state and them not doing there proper investigation or even maken attempt to help me get down to the bottom of this i may not come from money and i do hve convictions on my background but that doesnt give anyone the right to take things that are or money or even using my ssn and name for anything i pay taxes like everyone else and should be treated equally to everyone else i paid my dues for my wrongs and i dont deserve to be put on hold because of it someone is using my idenity to work or to get money or take money if someone wants to pretend to b me then they should go do my time everytime i get in trouble just saying they ruined my life and i didnt understand how important it was to keep a credit history good or even knw how much a credit score could have a impact on my life til now ive never had a credit card or debit card from a bank but im red flagged from all banks im not the smartest but i knw that this is not ok please help me fix this
Product: Mortgage

My mortgage was assumed by New Rez effective XX/XX/XXXX from XXXX. I was contacted by the new company and told it would be a good idea to refinance at this time. I have dealt solely with XXXX XXXX. LO / AE NMLS # : XXXX via phone and email. I told Mr. XXXX what I wanted to accomplish through a refinance and what I was willing to pay. He assured me the numbers would work and we proceeded. I was told I had to have a home inspection paid for out of pocket. I paid for the home inspection. I was given the impression the paperwork would be sent to me quickly. I took multiple weeks and when arrived, the new loan is for a payment I could never afford almost {$400.00} more than I currently pay and at a higher interest rate than I currently have. I made it very clear that I would not be interested in refinance without it bringing down my interest rate and not changing my monthly payment more than {$100.00}. Mr. XXXX assured me this was how the loan would look. During this long process I have also managed to bring up my credit score 40 points so there is no reason on my end for the interest rate to have gone up. I feel they misrepresented what they were offering and cost me the money for the home inspection. I could have applied that to another debt that would have positively impacted my credit score further. Now I am out {$500.00} and have not successfully refinanced. This is very sad to me. XXXX was enough of an issue but to now be sold to an unethical company I am worried about the future of my mortgage. 

I have attached the email telling me I had to have the appraisal and the fee associated as well as the first document sent to me showing 3.75 % and the final document showing 4.99 %.
Product: Student loan

I had a private loan that was consolidated in XX/XX/XXXX to Loan Science from XXXX XXXX. My cosigner and fianc died XX/XX/XXXX, the company worked with me on lower payment plan for the last 8 years. I was not aware that they would suddenly decide to stop offering a lower payment plan, or that once I had to pay the full payment, which is difficult as I care for my XXXX mom and still recovering from the sudden loss of my fianc, would be XXXX % of the payment would be going to interest, and that the interest rate would cripple me for the next 25 years. Private student loans are predator, and I feel as if I have been prayed on. With the current payment, I am barely able to provide for my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collections account with Diversified Consultants, Inc. XXXX for a XXXX XXXX account which is not accurate. account ends in XXXX I have tried to get copies of this invoice from XXXX XXXX as well as Diversified Consultants, Inc.and have never received it on an account that was previously paid off. 
They are incorrectly reporting on my credit reports that the debt is legitimate although they have not provided me with proof of the debt ( even thought I paid off this account years ago ) and they are now refusing to remove the debt from my credit report. 
My name is XXXX XXXX, XX/XX/XXXX Address XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had a cashiers check where I paid Wells Fargo XXXX and a XXXX dollar fee for a certified check written to me to be guaranteed funds were available for me to pay for my car. I deposited this into my Wells Fargo checking to pay for my car and they would not make the funds available immediately as they should have been they already have my money! I am now stuck outside an hour away from home in the rain unable to pick up my car or go back home as I was dropped off. I called XXXX and they said I just have to wait for the check to clear this is wrong!!!! They have my money!!! I want the fees for the check back and damages for being stranded in the rain but XXXX doesnt care! Wont do anything to help me even when I got a supervisor on the phone was told I have to just be stranded and wait!!!
Product: Mortgage

Pentagon Federal Credit Union : Mortage Loan # XXXX XXXX XXXX XXXX # XXXX Manager : XXXX XXXX XXXX # XXXX The week of XX/XX/XXXX I applied for a VA Loan ith PenFed. 

I went through their process and although their loan officer XXXX XXXX was very slow to everything my realtor and myself were trying to acomplish he would only respond 1-2 times per week. Buying a home is very fast paced and XXXX did not do anything ti alleviate these issues. 

I continued through the process and ultimate paid {$2000.00} is earnest money, and a further {$450.00} for home inspection. 

The loan was ultimately denied with no warning. I would login into the portal and everything seemed fine. It hadn't gone to underwriting. 

Middle of XXXX : We have a deadline of XX/XX/XXXX. I called in to see what else I needed to complete. There was not. In fact no one had reviewed any of the documents that I had uploaded the week previously. I called in and a young lady informed me that i was denied and couldn't tell me why. 

She told me they cold not do seller credits/concessions EVEN though XXXX told my realtor we could. 

So far I am out {$2400.00} during this process. 
{$2000.00} in earnest money. 
{$450.00} home inspection. 
{$85.00} Home Inspection Annd time wasted. 

I escalated this situation to XXXX ' manager, XXXX XXXX XXXX # XXXX. 
he informed that he would return the {$450.00} for the home inspection. 

This afternoon, I emailed XXXX for an update. he informed me that the {$450.00} home inspection reimbursement funds could not be returned at is AN OPTIONAL FEE!! 

Please see the attached document : A PenFed checklist where nothing in there says OPTIONAL. I would not have spent my own money anywhere. 

No where in their doouments did it say anything was optional. 

The lanaguage in teh document states : Property-XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Provide a borrower signed clear termite inspection report and invoice dated within 90 days from closing
Product: Mortgage

My wife and I have 3 mortgages with Union Home Mortgage on rental properties. 

On XX/XX/XXXX we emailed signed requests to remove the escrow from all three properties. We received automated responses with our case numbers. 

On XX/XX/XXXX we followed up by inquiring through their secure message center. On XX/XX/XXXX we receive a reply that UHM anticipated a 20 day response time for this issue. We receive no such response after this. 

In early XXXX, we received a letter that said they received our escrow cancellation request for property # 1. The escrow waiver fee was {$130.00}. On XX/XX/XXXX we sent the check for this amount and UHM cashed the check shortly thereafter. However, UHM still did not remove the escrow. 

On XX/XX/XXXX we inquired again about the status via secure message. On XX/XX/XXXX, UHM responded that they had not received our request to remove an escrow. My original secure message included my incident # for this property from UHM 's automated email response on XX/XX/XXXX. 

On XX/XX/XXXX, we called UHM to remove the escrow. Around XXXX, we received a letter that the escrow was removed for property # 1. 7 months from the start and 2 months after cashing our escrow removal fee, UHM has finally processed 1 of the 3 properties. 

As of XX/XX/XXXX, we are still unable to get UHM to remove the escrow on our other 2 properties. 

More generally, this is not the first issue I have had. UHM 's customer service is a black hole. It is where requests go to die. When forms are mailed to them, they are not processed. When forms are emailed to them, they give you an incident number and nothing happens. When the website 's secure message center is used, the response is that the request is being processed or the forms have not been received ( even though you have an incident number from when you sent the form ). When calling, they either say a form needs to be mailed or only partially process the request.
Product: Checking or savings account

CFPB Orders Navy Federal Credit Union to Pay More Than {$95.00} Million for Illegal Surprise Overdraft Fees
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a loan from XXXX XXXX to finance a XXXX XXXX XXXX. In XX/XX/XXXX, the car was damaged and in XXXX XXXX XXXX XXXX said it was a total loss and issues a check to XXXX XXXX, the lean holder. XXXX XXXX returned the check to XXXX  XXXX saying it had to be made out to a different name from whats on the lean. XXXX XXXXXXXX re-issued a check. Meanwhile, all this time XXXX XXXX is reporting I am behind on payments and missing payments and it has affected my ability to refinance my home or purchase a new vehicle because my credit score went down XXXX  points. I have called the company three separate times and no one is able to help. They said they have not number for the total loss department when I called and asked for someone. I asked for a supervisor to call me back and no one has called me. I have filed a dispute with XXXX XXXX on XX/XX/XXXX to dispute the actions on the account and the amount of the debt. It should be zero and it's affecting my credit really bad.
Product: Other financial service

XXXX XXXX 2016 Consumer Finance Protection Bureau XXXX. XXXX XXXX XXXX XXXX, IA XXXX XXXX : Case # XXXX, and XXXX To Whom It Will Concern : I am a homeowner who had repeatedly appealed to your office regarding the intentional bad-faith and fiscal malevolence enacted upon me by Green Tree Servicing/DITECH ( GTS ), as well as XXXX XXXX XXXX who sold my home 's mortgage to Green Tree while telling me my hardship-driven XXXX loan modification application was continuing being processed ( as I had been told repeatedly for the preceding approximately 18 months prior to the note-holding sale to GTS ). 

As I had reported to you in extensive detail, GTS had been decimating my credit with bogus allegations of missed payments, and harassing me with an incessant barrage of phone calls ( including Sunday evenings ) harassing and threatening me to submit to signing an asinine, " so-called loan modification '' proposal they had offered in a complete bait and switch to the original modification I had XXXX initially underway with XXXX XXXX XXXX, and then subsequently that I had submitted to GTS when they flat-out refused to recognize the original modification with XXXX and insisted that I re-submit my request with them. 

After a couple of years of this incredibly enervating hardship causing damaging physical and emotional stress, coupled with my finances being eviscerated by GTS 's mysterious mishandling or theft of my submitted mortgage payments, I was finally able to extract myself from this XXXX and get my home loan refinanced by XXXX XXXX XXXX XXXX XXXX last winter. 

However, I recently read that CFPB had dutifully enacted penalties to GTS/DITECCHXXXX pursuant to their collectively abusive " lending practices '', and whereupon compensation payments were supposed to be awarded to impacted homeowners such as me. I have only just learned of this today. I have NOT received either notice of or any payments of restitution whatsoever, and am writing to inquire XXXX of that decision 's status, and to inquire how I as a genuinely impacted citizen and homeowner ( and, XXXX XXXX veteran ) can receive compensation for the XXXX that these lending companies pulled and for too long, got away with. My credit, my personal standard of living and my health continue to have deeply detrimental consequences from this living nightmare. 

Writing once again, appealing for your assistance in my quest for justice ( restitution ) pursuant to the misdeeds I endured from these lenders ; I humbly ( but with apprehension and continuing anxiety ) await your response. 

Thank you in advance for your time and assistance. 

Respectfully
Product: Student loan

I have a loan through FedLoan Servicing. I am employed at a XXXX and eligible for Public Service Loan Forgiveness and have taken all steps to be enrolled in the program, including income contingent payments. I have attempted, on numerous occasions, to get credit for the proper number of payments - they are only crediting my account for XXXX payments. They have failed to credit payments that were made during periods of {$0.00} payments and have failed to update the number of payments that should be credited for the prior year despite providing employer certification XXXX separate times. I am frustrated that I am not receiving proper credit for all payments made on this loan under this program.
Product: Student loan

Lender : Professional Bureau of Collections of Maryland , Inc . XXXX XXXX XXXX, XXXX XXXX, CO XXXX Phone : ( XXXX ) XXXX I was contacted by this collection agency, on XXXX/XXXX/XXXX to repay a student loan I had that went into default in the amount {$5300.00}. The lender aggressively advised me that they had completed an " asset investigation '' and how much available balance was left on a credit card and advised me to max out my credit cards to make the payment. I was also advised to take out a title loan on my car for {$2100.00} to settle the debt and to make the payment. One of the " bosses '' that I had a conversation with told me about how lucrative of a business they had collecting debts and that 's the only reason he was still in that trade. I received a call today XXXX/XXXX/XXXX and was advised that my payment did not go through for an amount that was completely out of my range. I told the representative that I could not max out my credit cards and the amount requested XXXX was completely out of my range. I told them I was susceptible to making arrangements to getting the account current and making monthly payments. The representative told me that they did an " assest investigation '' and knew that I was employed and would seek alternative resources to collect the debt. I still want to get the account current and work so that it eventually gets paid off.
Product: Credit card

I XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX have been seeking for immediate action and fiduciary trusteeship of XXXX XXXX due to inaccurate information reporting on our credit profile, false and misleading information, defamation of the character and breach of privacy on the estate. 

The XXXX XXXX has failed to properly remedy and investigate this matter.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for the unwarranted removal of a positive credit account from my credit report. The account in question is my XXXX XXXX  XXXX account, which was paid in full. Despite its positive standing and full payment, Experian has mistakenly removed this account from my credit report, adversely affecting my credit score and financial profile. 

Here are the specifics of the situation : Account Name : XXXX XXXX XXXXXXXX ACCOUNT ENDING IN XXXX Status : Paid in Full Date of Removal : XX/XX/2024 I have concrete evidence, including official documentation from XXXX XXXX XXXXXXXX, confirming that this account was paid in full and should continue to be reported positively on my credit report. This documentation explicitly states that the account 's positive information should be accurately reflected in my credit history. 

The removal of this account by Experian is a significant error and a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). It has unjustifiably damaged my credit standing, potentially impacting my ability to obtain credit in the future. 

I have already disputed this action directly with Experian, requesting that they reinstate the account on my credit report to reflect its true and positive status. However, to ensure that this matter is resolved appropriately and to prevent similar issues in the future, I am bringing this to the attention of the Consumer Financial Protection Bureau. 

I am seeking the CFPBs assistance to compel Experian to : Immediately reinstate the XXXX XXXXXXXX XXXX account on my credit report as paid in full. 
Provide written confirmation of the reinstatement and any corrections made. 
Review and improve their processes for handling credit information to prevent such errors. 
The unwarranted removal of a positive, paid-in-full account from my credit report by Experian is a serious concern, and I believe it warrants prompt and thorough investigation by the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked for unverified late payments to be removed from student loan accounts. You can not report a late payment of 90 days when the month before it was reported ok. 
5 Dept of EdXXXX Accounts , late payments being reported that are inaccurate and therefore unverified. 

XXXX, XXXX, Equifax, and XXXX are governed by XXXX XXXX XXXX and they violated my rights numerous times. 
There is no law stating that any transactions need to be reported.

According to 15 USC 1681 section 602 A I have a right to privacy.

15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish a account without my written consent and instruction. I never gave consent.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for purpose.
Product: Checking or savings account

Its been a plethora of times my account will have an amount in it as if I had that amount to spend but a week later my account is overdraft because I thought I had it.
Product: Checking or savings account

Check that was deposited on XX/XX/2023 for {$40.00} was returned on XXXXXXXX and deducted from my account ( Check # XXXX ). The same Check ( # XXXX ) was returned again on or about XX/XX/2023. It is an obvious bank error because the same return item was deducted twice from my account. I called Wells Fargo today and spoke to XXXX and XXXX in escalations. They filed a dispute and a complaint but was unable to resolve this obvious bank error.
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 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, 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 or other personal consumer reports

Removal of the hard inquiry on my credit report by Transunion since the inquiry was the result of a fraudulent credit application ( I did not apply for a XXXX credit card on XX/XX/year> ) - someone fraudulently applied using my information and Transunion will not remove without an FTC report or resolution.