23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I found that Wells Fargo paid my spring taxes 5 months late and in addition, paid a late fee of {$82.00} from my escrow. I have requested several times since XXXX that my mortgage account be credited money due for late fees and a mortgage analysis be completed again. I finally have received the credit ( 3 months later ) but the mortgage analysis needs to be re-calculated, as it did not include XXXX escrow payments that were made in the analysis or the credit. I have tried numerous times to have this resolved ( in person at different bank branches and over the phone with multiple representatives ) and no one at Wells Fargo returns calls or follows through with resolution. After their miscalculations, I want to know the " new '' monthly amount for my mortgage payments in 2016. This is the absolute worst customer service I 've ever experienced and need help to find out an answer. I submitted a formal complaint to the OCC but was informed this type of issue no longer falls under their jurisdiction.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis : I have contacted this company on two occasions because they are reporting incorrect information about a bankruptcy and sharing it with the credit bureues and other third party companies. 
After my first attempt to contact LexisNexis, They wrote me back, stating they verified my information from the courts. I contacted the Federal Court and they stated to me, ''that they do not share personal information or sale personal information to any third party companies. 

My second letter to LexisNexis, I requested that they send me the original documents with my signature on it. LexisNexis has fail to respond to any of my phone calls and letters.
Product: Mortgage

My problem involves affecting home repairs from storm damage at my home. I am behind on my mortgage but am actively working with the bank to find a solution to keep my home. I have a claim check for {$8000.00} to make repairs with another {$1500.00} available when repairs are completed ( through my insurance company ). My insurance check is made payable to myself and Wells Fargo. My lender is insisting on using a managed claim process normally reserved for large claims and major repairs. Neither applies in my case. In addition, there is a myriad of paperwork that must be submitted before payment can be made. Because of this process, contractors will not perform the work. It is not reasonable to expect a oontractor to receive payment in thirds for one day of work and the paperwork requirements make it not worth their trouble. I have told the bank that I would welcome an inspection once repairs are completed as I need to do that for the insurance company anyway. Wells Fargo still insists that they manage the claim. I have applied again for an exception and am waiting to hear. Wells Fargo has a terrible reputation in our area and is known for holding insurance money unreasonably and not paying contractors on a timely basis. I have no confidence that Wells Fargo will actually pay the contractor if I commence work. In the end, I just want my roof repaired and my ceiling fixed. We have been getting the run around for over a month just to get to a " no ''. I feel that the bank is being completely unreasonable given the dollars and scope of work to be performed
Product: Student loan

I feel Navient was negligent in processing the renewal of my repayment plan because despite my checking the box on the " Income-Driven Repayment Plan Request '' for " ( Recommended ) I want my loan holder to place me on the plan with the lowest monthly payment '' in both XXXX and XXXX, they did not put me on the REPAYE. Instead they kept me on the IBR plan which I later discovered was about {$200.00} more per month. ( I would like to note that their form was very confusing though I felt marking that box would make my intent very clear ). Twice during these years I called to discuss my payments because I was having difficult making them and was steered toward making a request for a forebearance though neither time when I spoke with Navient did they advise me of a lower payment plan. Both my forebearances were approved. Finally in XXXX when I renewed my plan - and only because of an error on their part - I called to question the error and XXXX, a representative questioned why I was not on the lower payment plan ( REPAYE ) and helped me get on it. I have written the company with no adequate response to my complaint. I estimate I am owed from XX/XX/XXXX to XX/XX/XXXX for overpayments. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX has been illegally reporting on my Consumer Reports 15 U.S Code 1681 ( b ) - Permissible purposes of Consumer Reports States that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 1. In accordance with the written instructions of the consumer to whom it relates I did not give verbal or written permission for my information to be shared with Credit Reporting Agencies XXXX XXXX, Equifax or XXXX XXXX ). This is a clear violation of my rights under 15 U.S. Code 1681 ( b )
Product: Debt collection

PRA has failed to notify the credit reporting agencies of multiple disputes that I have filed with them, in addition to other violations of FCRA. 
Though I have filed disputes with Portfolio Recovery Associates directly and also via XXXX, they have failed to notify the credit reporting agencies of my dispute in violation of FCRA 623 ( a ) ( 3 ) but have continued to pull my credit monthly and report updates monthly.
Product: Checking or savings account

This year I opened up a BMO banking account I opened checking and savings. I wanted to use this acocunt mainly for saving money. One morning while trying to log into my online banking the system kept showing error saying my info wasnt recognized. After calling serval times to ask about account I was just told it was under review and I wouldnt have access to the account meanwhile. I did my best to be patient about the situation because I understand as a bank they have to do their due diligence and review accounts. I kept calling me asking is theres anything information or anything I could cooperate with since I did have money in the account which I needed to access to pay my rent. All the funds primarily came from my employer only which is the only source of income I have but my other account is with XXXX so I told them I could provide them with statements from my other bank to show where the money is coming from. A few weeks later I got a letter saying to contact the fraud department because they were trying to reach out to me because of a few transaction. I called the number but only to be told my account is closed. I respect BMO decision to close my account because I know that as a bank they have the right to end relationship. I called and asked what would happen know only to get a different answer each time. I even went into a branch to see if a banker could help me. Every single time I get a different answer Im only really concerned on getting the funds that are in my account but anytime I call they cant disclose to me any info regarding my account even when I let them know I was signed up to paperless statements but I cant access them because Ive lost access to my online banking. There wasnt much funds in the account at most its around {$400.00}. I know it might not be a lot of money to some but to me it is. Everytime I speak with a representative Im always super nice and patient but they all seem to be in a bad mood or unwilling to help me. I know the funds left in the account with be given to me in a cashiers checks but its already been 9 weeks since the account got officially closed but the last time I actually had access to the account was XX/XX/2024.
Product: Credit card or prepaid card

On XX/XX/2018, I mistakenly paid my PayPal Credit account the amount of {$1900.00} through my bank 's bill payer. This payment should have went to my Mortgage company. I did not realize that this was done until I received a letter from the mortgage company on XX/XX/2018. I contacted the bank and they advised me that the check was cashed and funds were removed from my account. I called PayPal credit and advised them of the situation, they advised me that a refund check would be mailed to me that day. I have spoke to this company multiple times and seem to keep getting no where with them. The account had XXXX balance on it, so the credit has no bearing on any charges on the account. I advised them that its my mortgage payment and my credit is affected by this and late fees are being added. Nothing seems to be helping.
Product: Checking or savings account

Navy Federal Credit Union has been very unprofessional to me. The account was opened in XX/XX/2020. And a XXXX loan was obtained with, and deposited in, it. The account was immediately restricted and I was denied access for 30 days due to suspicious/fraudulent activity. I was accused of being part of some group that scammed NFCU based on both my work computer and personal cellphone hardware ID. Their security department told me its not your money anywayyou cant do business with us because you defrauded us in the past. After 30 days of providing everything they requested, they eventually released the restriction. However the investment opportunity for which I obtained the loan was lost. 

Today, I received a text and email of suspicious activity on my account and yet again, my access to the account is blocked. The text and email express the urgency to contact XXXX XXXX immediately, which I did. Only to be told that the Security Department is closed on Sundays, and doesnt open on Holidays ( XXXX ). So, Ill need to call back on Tuesday. So I wont have access to my account/money for 48+ hours. If this was my only account, I would be completely helpless and left with zero financial means. This is unacceptable and a very poor way to treat consumers.
Product: Credit reporting or other personal consumer reports

Equifax suggested I dispute my incorrect address and send in current/valid information. On XX/XX/2024, I disputed the information and provided a current copy of my driver license ( with my current address ), my Social Security Card and copy of my current/non expired United States Passport .
Product: Student loan

Fedloan Servicing ( FLS ) converted {$15000.00} plus interest into unsubsidized student loans in XXXX XXXX. FLS said they were missing a copy of my annual certification form so they withdrew my XXXX grants, converting the grant money to loans. On XXXX XXXX, XXXX, my school principal signed the form certifying my first completed year of teaching service and I mailed it in, but FLS claims they never received it. When I learned they did not receive the form, I re-submitted a copy of it on XXXX XXXX, XXXX and they rejected it. They refuse to convert these loans back to my {$15000.00} grant. 
Upon earning my XXXX in XXXX XXXX, I self-certified my intent to XXXX with FLS within the initial 120 day certification deadline according to my Agreement to Serve ( ATS ). FLS confirmed my intent to XXXX on XXXX XXXX, XXXX. At that time, unknown to me, FLS fashioned an XXXX XXXX, XXXX deadline for documenting my upcoming full year of XXXX. Even though I could not possibly complete my first full year XXXX and have it certified for at least 9 more months, FLS nonetheless started the annual clock running in XXXX, XXXX. They ran the clock out on XXXX XXXX, XXXX. 
FLS erroneously set my annual certification due date based on the anniversary of my initial 120 day self-certification period rather than on the anniversary of my completed year XXXX. According to Section XXXX of my ATS, my annual certification period starts in XXXX XXXX and the clock runs through XXXX XXXX. It states : Annual Certification : Every year, after I have completed each XXXX of my four required school years of XXXX ( as described in Item XXXX of this section ), I must provide my XXXX Grant servicer with documentation of that service on a form that will be available from my XXXX Grant servicer. In my case, I completed my first full school year XXXX in XXXX XXXX and I have until the end of the XXXX XXXX school year to annually certify it. FLS has denied me a full opportunity to comply by my actual XXXX XXXX deadline as defined by my ATS. 
Converting my {$15000.00} XXXX grants to unsubsidized loans is a punitive measure even had I missed the deadline to annually certify my completed year XXXX. Such a severe consequence is reserved for much more severe circumstances. For example, FLS may convert the grant if I failed to graduate ; OR, if I do not complete the required four years of XXXX within 8 years ; OR, if I do not complete a full year XXXX and then do not self certify my intent to fulfill my XXXX obligation. Please note that I was NOT merely self-certifying that I intended to satisfy my XXXX Grant service obligation on my Certification form. Instead, I checked Box A : I XXXX full time for XXXX as was XXXX on XXXX XXXX, XXXX. 
I completed my degree ; I completed a full-time job ; I sent in the form. I was not at risk of losing my XXXX Grant eligibility until FLS invented artificial deadlines and unreasonable conditions for converting my {$15000.00} grant ( plus interest ) to loans. I realize FLS needs to monitor the XXXX grants, but such a punitive result is beyond reason. Thank you for your consideration.
Product: Mortgage

The bank pushed me around for over a year requesting documents and re requesting the same documents wanting more information to approve a refinance or re modification I have over 15 sources of income being self employed so the fact I did it for a year submitting more then enough documentation proving income and each time they would send it back saying I missed something or whatever and twice I actually hadnt. Due to them delaying it for so long I gave up i felt defeated and now overwhelmed by the years worth of mortgage payments I owed. I never even got a chance to prove I could pay ( I took over my house from tenets that somete renting the property stopped paying all the bills they destroyed the house and left me two months behind. So I never got a chance to just pay a month to prove I could ( they said they dont accept partial payments. Also the price that they are comparing income to is wrong because my premium is significantly lower but they wont adjust until Im all payed up?!?! Lastly I was sold this house which had a XXXX XXXX occur in it and I never knew that when I Bought it that was kept from me. Ill send any documents you want but not sure what it is youd need
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Acount # 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX reviewing Identity analysis report I found the following information as to why my credit bureaus reports are all over the board. Under XXXXXXXX XXXX web search XXXX XXXX, no knowledge of this person. States record created XX/XX/XXXX, with the date of birth of XX/XX/XXXX. It shows last XXXX social security number as XXXX, which is mine. From Texas zip code XXXX and last XXXX DL # XXXX. Says site ; XXXX, breach occurred in XXXXXXXX XXXX XXXXXXXX. ID XXXX. Phone number XXXX, update, date XXXX @ XXXX. This is the proof I have been seeking for 2 months to figure out why my credit score keeps plummeting. This helps explain why so many duplicate inquiries. You can see from the searches that someone is trying to manipulate my credit report for their good. The only explanation as to why this name would appear anywhere in my credit report is FRAUD SUPPORTED BY XXXX, XXXX, TRANSUNION AND FICO FOR THE BENEFIT OF INCREASING BIG BUSINESS INTERSTATE. There is no concern as to why a person out of the blue is shown up in my credit report information from XXXX.
Product: Credit reporting or other personal consumer reports

I've included a word document with the information I want wiped from my credit file, and I'm writing to request that it be done. My identity has been stolen. My credit report shows several inquiries and accounts that I did not apply for. In order for my credit report to solely display factual information, I request that these things be removed. I've included copies of the report I submitted to the Federal Trade Commission about the identity theft. As quickly as possible, I would like these things removed from my credit report. In accordance with Fair Credit Reporting Act section 605B, kindly remove this information from my credit report.
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 15 USC 1681. 

Account Name : XXXX XXXX  Account # XXXX, Account Name : XXXX Account # XXXX, Account Name : XXXX XXXX XXXX  XXXX Account XXXX XXXX, Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX  XXXX Account # XXXX, Account Name : XXXX XXXX XXXX Account 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: Checking or savings account

Within the last few days, issues have happened with XXXX. 1 issue is that my phone number is associated with an Ally account, and as POA in two people 's sets of  accounts at XXXX XXXX The sender from XXXX tried {$100.00} to me with my cell number and it didn't even ask which account to send it to, it automatically chose a XXXX account. It was supposed to go to Ally and it hasn't yet. 

The 2nd issue is that XXXX took 3 days for my first XXXX money sent. Yet it took the money out and held it back on day 2. They need to fix these communication issues with XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence through investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunions actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 


These are the listed accounts that need to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I want XXXX XXXX per violation or remove account
Product: Debt collection

Please accept this statement from my wife on my behalf. She is the one helping me fix this matter. 
My wife : I called XXXX directly today to pay a debt of {$100.00}. XXXX stated that Pinnacle was part of their company and could accept my payment. I made the payment of {$100.00} I have a confirmation number. I called XXXX back to get a receipt or something in writing that it was paid. XXXX stated the account was written off and that they could not give me a receipt. XXXX did confirm they did receive my payment but can not give me a receipt for the payment. I had to call Pinnacle to obtain pay off info. I called Pinnacle and they stated that debt was written off and given to XXXX agency that works with their company. This company does not report to the credit bureau for my husband 's credit. After speaking with the XXXX XXXX XXXX agency the man was rude and not helpful so I hung up. Called XXXX back and explain the dilemma and they still suggested I should call Pinnacle. I called Pinnacle and they mention they could not give me a receipt stating that it was paid off because it was with the XXXX XXXX XXXX group. I mentioned to the lady that Pinnacle is the company reporting to my husband 's credit report not the other company. So I asked to speak with her supervisor at Pinnacle she stated that I needed to talk with the supervisor at XXXX XXXX XXXX group. I stated they do not report to my husband 's credit report. She stated that I would need to talk to XXXX XXXX XXXX group. I told her that I did not want to talk with the other agency because they are not the ones reporting to my husbands credit and if we could not resolve this I was going to file a complaint with CFPB. She proceeded to transfer me to the other company anyways. So I am now filing complaint. All this because I just needed a receipt stating my husband 's debt was paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX  several times with no success in getting a unauthorized inquiry removed from my credit file. This same inquiry with XXXX XXXX  has been listed on my other credit files, which I disputed and was successful in the removal of the inquiry. I do not have no account with XXXX XXXX at all.