23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX my husband lost his job as a XXXX. All of the work in our area came to a complete hualt. He did n't work for 2yrs in between that time we had a passing away of his mother which we ended up having to pay for the funeral. Our loan was originally with XXXX then was sold to XXXX XXXX XXXX. So for the past 4yrs we had retained attorneys to help save our home since we were not able to make the monthly mortgage payment since we only received XXXX income. My husband was not able to receive unemployment. So I did several hardships adjust my XXXX at work to retain attorneys to help us get a loan modification which at {$40000.00} later we never received even though our house was only coming in at {$230000.00} but we owe on the first {$400000.00} and on the second {$130000.00}. which XXXX XXXX XXXX would not take into consideration. So now in XXXX they gave us a loan modification with a payment of {$1800.00} per but never forgave any of the balance at all even though the value coming in at the time was only {$280000.00} to XXXX. What really blows my mind is how they can structure a deal with putting a ballon payment on our note of {$35000.00} and not even extending the term they kept it at the XXXX since that was the original loan. So now my husband due to all of the stress from the loan modification has had some medical issues that have to do with his XXXX. so we have been running one month behind and on top of that we still have a second that wants there money and we have no way of paying them. We ended up having to file a bk in XXXX and we have been married for XXXX and have never have any problems paying our bills in the past. What 's really bad is we paid all of that money to the attorneys and never received the loan modification that we should have received. More than once we received letters stating we were approved then two weeks later we are denied. Its been insane to say the least.
Product: Checking or savings account

I deposited an {$81000.00} veteran XXXX backpay check into my account that came from the XXXX XXXX XXXX XXXX on XXXX. They put a XXXX plus day hold on it. Then, 6 days later, proceeded to freeze my account or put XXXX on my account for the reasons of the check being fraudulent, and now I can no longer access any money buy gas, food, or anything for UP to 7 days? So now I can't access any money. I can't do anything until they release this Hold on my account. It's unacceptable. The check is a government check It should not take this long to clear. There's was nothing wrong with my account i had money in it, and now I can't access it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/2018 I saw today in collections was XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX also credit cards inquiries from XXXX  card, XXXX XXXX XXXX, I did not make these inquiries take them all off I am a victim of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquires were submitted in my name without my authorization. Personal Statement Someone has sent in fraudulent applications for credit using my name on loans and some credit card. This is very scary knowing things are being processed in my name with my knowledge. These are the following companies that ran my profile. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These inquires were not made by me XXXX! And I have not given any autorization for anyone to do so. As of today I will be contacting the three major credit companies to place a lock on my credit file. Someone has placed fraudulent activity on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I sent a letter to Comenity Capital bank, after already disputing the accounts, stating a settlement offer on an account. The letter stated upon cashing the money order, they would agree to completely remove all references to this account with all the credit bureaus, agree to not list as paid collection or settled account, and agree payment was satisfying the debt in full. I also requested settlement within 15 calender days from receipt of payment. On XX/XX/XXXX, they sent out a letter stating they would like me to call their recovery Department to resolve the issue. XX/XX/XXXX at XXXX XXXX, I called and the representative said I could settle the accounts and I would have to send the money orders individually instead of one money order for all accounts. She also gave me a settlement amount for each account. On XX/XX/XXXX, I sent a settlement letter and a XXXX XXXX money order in the amount of {$220.00}, the amount they gave me to settle my XXXX account with Comenity Bank. The money order, # XXXX was cashed on XX/XX/XXXX. As of XX/XX/XXXX, I have not received any notice, the amount I sent in was deducted from the balance and now showing a balance due and the account is still showing on my credit reports. Comenity did not settle the account and they did not remove all references from my credit reports, as they have agreed to my settlement terms by cashing the money order, and it is beyond the 15 calendar days since received.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the LexisNexis Risk Solutions website, I have the right to request a copy, free of charge, of the information that you hold about me in a C.L.U.E . ( Comprehensive Loss Underwriting Exchange ) Report. 

On XX/XX/2023, I submitted a request for my C.L.U.E Report with COMPLETE SOURCE DATA ( See attached Supporting Document # 1 ) : As of the date of this communication, I have not received the requested report. Would you please provide a copy of my C.L.U.E Report with COMPLETE SOURCE DATA? 

For verification purposes, I have included a copy of my identification and social security card. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft for some reason they will not delete this XXXX XXXX account off my credit report according to the 15 USC 1682 law, there should not be any damages on my report is a defamation to my character as a credit consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th venture 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 deceit. 
XXXX XXXX XXXXXXXX XXXX Balance : {$2800.00} XXXX CARD XXXX Balance : {$3000.00} XXXX XXXXXXXX XXXX XXXX XXXX Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX Balance : {$140.00} XXXX  XXXX Balance : {$94.00} XXXX XXXXXXXX Balance : {$84.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX O A ) XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 


XXXX XXXX - {$9500.00} - XXXX XXXX XXXXXXXX - {$1500.00} - XXXX, XXXX XXXX XXXX XXXX {$10000.00} - XXXX  UNAUTHORIZED INQUIRY PLEASE DELETE : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I am writing to file a formal complaint against Xe.com XXXX regarding their handling of my business account application. 

Timeline : Date of Application with Required Documentation Submission : XX/XX/year> Date of Submission Confirmation : XX/XX/year> Date of My Follow-Up : XX/XX/year> Date of Rejection Notice : XX/XX/year> Details of Issue : Despite submitting all required documentation and following the application process, my business account application was rejected without any explanation. Xe.com policies confirm that application approvals for new accounts typically take one day or longer. However, my application sat unprocessed for two full weeks. I followed up on XX/XX/year>, and immediately after inquiring about my application, I received a generic rejection email. 

XX/XX/year> Email Title : Unable to Assist Thank you for being so interested in Xe. Please note that we have reviewed your application and have made the decision to not pursue it further. We apologize for any inconvenience this decision may have caused.

I immediately followed up via email, requesting information for the rejection and asked to understand why I was not given the opportunity to cure any deficiencies. My follow-up request for clarification received no response. 

Potential Regulatory Violations : 1 ) Unfair Business Practices : Xe.com 's failure to provide a reason for the rejection of my application and their lack of response to my inquiries constitutes unfair business practices. The arbitrary rejection without explanation undermines trust and transparency.

2 ) Discrimination and Gatekeeping : As a XXXX XXXX, I am concerned that my application may have been unfairly rejected based on XXXX  practices. Any form of gatekeeping or XXXX  in the account approval process is a serious legal violation. 

3 ) Lack of Transparency and Accountability : Transparency is crucial in financial services. Xe.com 's lack of clear communication and failure to provide a reason for the rejection of my application raises concerns about their accountability. This failure to communicate violates consumer protection standards.

4 ) Consumer Protection Violations : Consumer protection laws are designed to prevent unfair and deceptive business practices. Xe.com 's actions, including the lack of transparency and potential discriminatory practices, violate these laws.

Impact on Business : The arbitrary rejection and lack of communication from Xe.com have significantly impacted my business operations and planning. This includes delays in setting up essential international payment processes crucial for my business activities.

Request for Action : I request an investigation into this matter and a resolution that includes a detailed explanation for the rejection of my application. Furthermore, I request an explanation as to why I was not allowed to cure any deficiencies in my application.

Lastly, I seek assurance that Xe.com will adhere to regulatory standards for transparency, non-discrimination, and fair business practices in their dealings with potential, existing, and previous customers.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding multiple violations of my rights by Equifax, XXXX, XXXX and XXXX for violating my rights under the Privacy Act ( FERPA ) and the Fair Credit Reporting Act ( FCRA ). Despite FERPAs protections under 20 USC 1232g ( b ) which have resulted in inaccurate reporting of my credit information and the unauthorized disclosure of personal data. I believe these violations are in breach of the Fair Credit Reporting Act ( FCRA ) and other privacy laws, including the Gramm-Leach-Bliley Act ( GLBA ).

1. Violation of FCRA Unauthorized Reporting of Bankruptcy ( 15 USC 1681 section 604 ( a ) ( 2 ) and 15 USC 6802 ( b ) ( c ) ) My Chapter 7 bankruptcy was reported to the credit agencies without my authorization. According to FCRA regulations, consumer consent is required to report information of this nature. I did not provide consent to the reporting of my bankruptcy, nor was I informed of my right to opt-out as required under 15 USC 1681 section 604 ( a ) ( 2 ) and 15 USC 6802 ( b ) ( c ).

2. Violation of FCRA Failure to Remove Charged-Off Accounts ( 15 USC 1681e ) The charged-off accounts reported on my credit file have not been accurately reported, and I request that these accounts be completely removed and deleted from my credit report. These accounts have been repeatedly updated every month as charged-off, which falsely manipulates the statute of limitations. A charged-off account should not include an active payment history. The inclusion of a payment history for charged-off accounts is inaccurate and misrepresents the status of these accounts. This negligent reporting violates my rights under FCRA regulations, which require accurate reporting and timely investigation.

3. Violation of Financial Privacy Laws ( 15 USC 6801 ) I am concerned that my financial privacy has been violated, as personal information regarding my bankruptcy and charged-off accounts was disclosed to third parties without my explicit consent. Under the Gramm-Leach-Bliley Act ( GLBA ), financial institutions are required to respect the privacy of consumer information.
Product: Mortgage

Modification that has gone XXXX for over XXXX months. Several conference calls with the XXXX ( VP ) ph XXXX : XXXXXXXXXXXX incorrect. Per conference calls with borrower and VP, he would insure the escrow was calulated correctly ( admitting fault ) and Perm Mod ( documents just received today by borrower ) for her signature is MORE than the amount discussed. The issue primarily with all modifications is the lender is hold the money in a que, charging a fee to call in to make payment ( can not make payments online during a modification ). The statements the borrowers receive shows no payments - foreclosure department is not notified or " In sync '' and many people I know were foreclosed in the middle of making ONTIME mod payments. 
This needs to be escalated because the borrower was promised the re-calulation by the VP and still wrong. Now the borrower does not know what to do.. she could not afford the payment to begin with and that is why she applied for a modification - but if escrow ( insurance THE LENDER CHOSES ) is high and the borrower finds another policy that is less expensive, why should the borrower be penalized? The perm mod documents are near the same as her ORGINAL mortgage payment. Makes NO SENSE. Needs investigated please.
Product: Student loan

Trying to get off an income-driven repayment plan to an extended standard monthly repayment plan. It is calculated at little over $ XXXX. Everything is already calculated. They just need to switch me over to my plan. 
The request was put in XX/XX/XXXX. They said the switch would be made in 47 days. It's been 2 months, and they still have not done anything. They refuse to provide any updates, they don't give me any dates. 
They keep delaying my request without any good reason, and don't make any progress, and keep saying they can't tell me anything.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Agency I am writing to formally dispute the account reported on my credit file, associated with account number XXXX. After careful review, I have identified several inaccuracies regarding this account that violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( 5 ). As these sections state, all information on my credit report must be accurate across all three credit reporting agencies. Unfortunately, the reported information concerning this account fails to meet that standard. Despite my previous efforts to resolve these discrepancies, your agency has continued to verify and update the account without correcting the inaccuracies. I must inform you that if these inaccuracies are not rectified within the next 30-45 days, I will be forced to pursue legal action for damages of {$1000.00} for each erroneous entry reported on my credit file. Furthermore, I am referencing a letter you previously sent, in which you confirmed that this account was no longer being reported to the three major credit bureaus. Despite this, I have confirmed that the account is still being reported on my Experian credit report, which is both confusing and distressing. Given that this account has already been removed from the other bureaus due to consumer rights violations, I demand the immediate and total removal of this account from all credit reports, including Experian. Please consider this matter urgent. I expect a prompt response and confirmation of the deletion of this account from my credit reports. Failure to address this will result in further action. Thank you for your attention to this serious issue. I look forward to your swift response. Sincerely, XXXX XXXX XXXX
Product: Debt collection

( 2- ) I declare under penalty of perjury that the statements herein are true and correct to the best of my knowledge. I certify that I am permitted by federal and state law to dispute this alleged debt and commence this complaint. I also understand that knowing and willful misstatement or omission of material facts constitutes a federal criminal violation punishable under 18 u.s.c 1001. Additionally, any false statements are punishable as perjury under 10 u.s.c 1621. This collection that is being furnished in my consumer report is not related to any transactions that I made. I believe that a person or company- without my authorization used my personal identifying non- public personal information to apply for goods, services, or money deceptively and unlawfully opened this account. Complaints are being filed with the Federal Trade Commission as well. They are also reporting the same account on XXXX with XXXX different amounts and the same account number.
Product: Credit reporting or other personal consumer reports

I have XXXX student loan accounts that are all reporting as as XXXX from XX/XX/XXXX to XX/XX/XXXX according to my credit report. 

This is inaccurate reporting of my payment status, as I've deferred these payments. This should be reporting as " XXXX '', it is severely hurting my score. 

I have tried to rectify with the credit bureaus and my loan provider with no resolution. I want these accounts investigated and corrected with the correct payment status.
Product: Credit card or prepaid card

I had {$5200.00} stolen from my account without my knowledge via a fraudulent payment reversal that was not requested by me on my account where the refund was done to an outside account that I have no relation to ( see complaint XXXX ). It has now been two weeks and bank of america has provided me no update on the investigation nor refunded my money. Bank of America advertises a {$0.00} XXXX XXXX for all its credit and debit cards if fraud is reported immediately. In this case the fraud happened XX/XX/XXXX, and it was reported XX/XX/XXXX. It is now XX/XX/XXXX and I haven't received any updates or a refund. It appears this " {$0.00} Liability Guarantee '' is just false advertising and is widely being used by the bank to trick consumers into believing they are protected when in reality they are exposed to in cases where Bank of America acts in bad faith and negligently to allow fraud to happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) CHILD SUPPORT XXXX XXXX is in violation for not reporting 100 % accurate information it lists the Child Support court as the furnisher that's forgery and misleading when the courts don't report this type of account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Take a look at the inquiries and verify the dates and the names of the creditors. I think this may be a mistake and if what I assume is right then I believe you should delete these from my credit report. I highly request that you take the time to check and verify them since I never remember that I have authorized anyone about these inquiries. Kindly remove these inquiries if no proof can be provided. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/2021 : I placed an order with XXXX ; the {$120.00} charge was approved. 

XX/XX/2021 : When I checked my bank account, I discovered that a second charge of {$120.00} was charged. This made the total deducted from my account {$250.00}. When I contacted XXXX, I was informed that the banking industry allows their company not only charge on the original order, but they are " legally able to make a second pre-authorization charge referred to as a 'soft-charge ' ; the second charge will drop off in 4-5 business days ''. 

The banking industry and the company are disregarding the negative impact that this double charge can have on non-commercial and/or large deposit bank accounts. Individuals who are only able to keep enough on deposit to pay bills, risk having their accounts overdrawn through no fault of their own. 

I take issue with this practice. I will be contacting my local Politicians, Congress and the Senate to lodge a complaint about a practice that borders on usury!
Product: Mortgage

Loan United solicited me by mail and phone calls about the VA Interest Rate Reduction Loan in XXXX after reviewing my loan somehow. I was told that my interest rate was too high 5.25 % and that I could skip 2 months payments and also receive a refund from my escrow account. 

I provided all necessary loan documents and waited and waited ... .meanwhile I was receiving phone calls from my current loan company XXXX XXXX XXXX XXXX and I informed them about my refi. 

Meanwhile I had to dip into the two months payments for my small business and car repairs. The last week of XX/XX/2019 I was contacted by phone that I was DENIED! Due to a SEASONING REQUIREMENT? I was mad as a hornet and immediately contacted XXXX XXXX XXXX XXXX to apply for the IRRL and told the loan officer my situation. 

We also tried a HELOC on my second home which has XXXX in equity but I was denied because of the missing payments. 

Now Im even further behind because of this mess and facing a Foreclosure Aauction on the XXXX of XXXX even though I have already submitted documentation to XXXX LOSS MITIGATION and the VA HOME GUARANTEE SPECIALIST in MINNESOTA! 

I have received letters and knocks on my door to include people talking to my neighbors about my pending foreclosure. If this home is foreclosed on because XXXX FAILED TO PROPERLY REVIEW my information I will sue them!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 {$280.00} from discovery