23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am a cosigner on my child 's XXXX loans. My child refuses to make payments or consolidate the loans even though they earn an excellent salary. Wells Fargo is aware of the problem yet they do not pursue the borrower at all with any notifications or attempts to collect, yet they come after me as if I were the primary borrower. 
Wells Fargo has stated that there is a vehicle by which I can be removed as cosigner. I have requested that they do this. Wells Fargo repeatedly states that someone will be in touch with me yet I have not received any contact from anyone at Wells Fargo regarding this promised modification. My spouse wishes to retire and we need to get this resolved. 
Thank You,
Product: Credit card or prepaid card

On XX/XX/2022 we ordered online tickets for XXXX XXXX which totaled {$1000.00} for our family. After doing the transaction we found that we would not be allowed to choose seating until the day before our trip. We have daughters XXXX, XXXX and XXXX we have to be near them on a flight and not next to strangers. It also stated we couldnt have carry on luggage. So after realizing the above after placing the order we called about 35 minutes later to cancel. The first man we spoke to wasnt helpful at all and advised the whole trip was non refundable. I asked for a manager sat on hold for 50 minutes and then the line disconnected. Called Bank Of America to start the dispute process. After speaking with BOA I again called XXXX and reached another man named XXXX who was a little better in demeanor. Issue is he only wanted to refund {$850.00} stating the support bundle of {$140.00} is considered consumed and non refundable. The support bundle purchased according to their website is fully refundable within a 24hr period thats why it was chosen for the just in case situation. I advised XXXX of what their website states he then repeatedly asked if we purchased the bundle. He was able to see that we did but continued to state the {$140.00} was non refundable. I advised that I was not satisfied with this but to go ahead and refund me the {$850.00} and I would challenge the remaining balance. I have asked my credit card to reopen the case they unjustly closed because according to BOA they were told something different and when she compared information that I retrieved from their website its very muted and is conflicting in their wording. They need to be honest and honor what their website states and stop being dishonest. I didnt make a mistake here its in black and white. My issue is also with Bank Of America because they provided me a letter after 3 months stating they could not intervene with a merchants return policy? How is this possible when as a credit card they are supposed to protect me. It is clear that whoever first reviewed this situation did so loosely. I didnt make their policy up. Again had this not been provided by my job I would have never come across XXXX as a company. Their practices are deceptive and Bank of America is not supporting me as a consumer. If this were XXXX XXXX or XXXX this would have been resolved based on all the information provided. I have excellent credit and I intend to keep it this way. I should be responsible for payments that I owe not for a dishonest merchant who is looking to dupe consumers out of hard earned money,
Product: Mortgage

Their payment system was down from XXXX On the morning of XX/XX/2023 we paid the mortgage payment that was due for XXXX. 

As of XX/XX/2023 their platform states the payment is still pending and we're receiving late payment notices in the mail from them. 

However, this is not the most frustrating part ( though it is concerning. ) We've attempted to contact them at least XXXX times ; once via email, and multiple times via their numerous " customer care '' numbers. These numbers all lead to an infinite loop in which you are asked whether you want to wait on the line or receive a call back. 

If you select wait on the line it routes past to a survey then hangs up on you. If you select a call back the call never comes. I've tried to get ahold of someone through every extension offered ; it is intentionally designed so that anything that can not be handled automatically is routed to the dead end ( XXXX ) We have never missed a payment or made a late payment and now we fear due to this company 's unscrupulous/non-existent customer care ; it will create trouble for us.
Product: Credit reporting or other personal consumer reports

Credit Report - In general, the Bankruptcy Court does not control the actions of credit reporting agencies. Debtors must directly contact credit reporting agencies to discuss how long a bankruptcy case remains on a credit report. If debtors have questions about this or have problems gaining cooperation from credit agencies, a debtor may contact the Federal Trade Commission, XXXX XXXX XXXX ( XXXX ), XXXX, XXXX XXXX XXXX The telephone number is ( XXXX ) XXXX. Here are general rules : Improper Involuntary Bankruptcy Case - If a party has improperly filed an involuntary bankruptcy petition against a debtor, the bankruptcy court may enter an order prohibiting credit reporting agencies from reporting the bankruptcy on the debtor 's credit report.

Voluntary Bankruptcy Case - The Fair Credit Reporting Act, 15 U.S.C. Section 1681 et seq., is the law that controls credit reporting agencies. The law states that credit reporting agencies may not report a bankruptcy case on a person 's credit report after ten ( 10 ) years from the date the bankruptcy case is filed. Generally, bad credit information is removed after seven ( 7 ) years. The larger credit reporting agencies belong to an organization called the Associated Credit Bureaus. We are informed that the policy of the Associated Credit Bureaus is to remove successfully completed XXXX XXXX cases from the credit report after XXXX ( XXXX ) years to encourage debtors to file under this chapter.
Product: Mortgage

A COMPLETE modification package was sent in and the review process started. On XX/XX/XXXX our office contact Bayview and received the following update.
XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX PHONE CALL [ p ] - XXXX ; XXXX XXXX SPOC XXXX XXXX call XXXX XXXX ; XX/XX/XXXX is sale date ALL docs have been received and uploaded as of XX/XX/XXXX By today or no later than tomorrow they will have submitted to underwriting nothing needed at this time. File in review on XX/XX/XXXX an acknowledgement was sent to the client and our office. ( Please see attached ) On XX/XX/XXXX Bayview stated they are refusing to review the file as the sale date is TOO CLOSE. The loan mod review had started. IN CALIFORNIA, a complete package must be in 7 days prior to the sale date. The sale date is set for XX/XX/XXXX. Bayview is dual tracking despite the law that restrict this. Dual tracking occurs when a mortgage servicer continues to foreclose on a homeowners home while simultaneously considering the homeowners application for a loan modification. Rules issued by the Consumer Financial Protection Bureau ( CFPB ) as well as various state laws and the National Mortgage Settlement ( NMS ) offer protection to homeowners in this situation. The CFPB rules, which became effective XX/XX/XXXX, strictly limit the ability of mortgage servicers to foreclose on a borrower while also negotiating a loan modification. BAYVIEW is discriminating against XXXX XXXX based on his race, ethnicity, language, national original At this time, we are demanding the sale date be postponed to continue the review or XXXX XXXX will assert his legal right in district court naming Bayview as a defendant.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I have a hard inquiry from XXXXXXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX I have a hard inquiry from XXXX XXXXXXXX XXXX , on XX/XX/XXXX I have a hard inquiry from XXXX XXXXXXXX XXXX , on XX/XX/XXXX I have a hard inquiry from JPMCB, on XX/XX/XXXX I have 2 hard inquiries One from XXXX XXXX and XXXX from XXXX XXXX , and last on XX/XX/XXXX I have a hard inquiry from XXXX XXXXXXXX XXXX. Within these inquiries that I've listed I did not recognize or authorize any of these credit pulls.
Product: Money transfer, virtual currency, or money service

I was involved with an online dating scam for over 4 years. I live in the XXXX and the scammer lived in XXXX. 
The scammer requested money for medical operations and asked if money could be transferred to his Doctors bank account. On numerous emails I requested proof from the Dr that he was an actual dr and this was ignored. Eventually time was running out for the operations and I was coerced into sending partial payments. 
Money was sent via PayPal as friends when I asked PayPal for a refund for all XXXX XXXX transactions they disputed that this was a legitimate transaction and the case was closed. My complaint with this fraudster is with the XXXX XXXX  XXXX XXXX XXXX department and I was genuinely misled by an imposter. PayPal do not trust me because its a legitimate transfer as it was sent as friends. Yes the scammer did become a friend after one year and I was misled by all his lies and manipulation. In total I think it was 5 transactions to XXXX XXXX paid in USD email : XXXX I would like all my money returned as I was caught up in a XXXX XXXX circumstance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking on my main consumer credit files, I see the corporation XXXX is on it, as well as the company they sold the alleged debt to, XXXX. If they are no longer collecting on this alleged debt, why are they still on my consumer credit files?

This is why I sent the Cease & Desist and Debt Validation to XXXX. The cease and desist was sent for them to stop the illegal activity they are doing. I mentioned the remedy for the injury you caused, which was illegal. As the consumer and the creditor, I invoke the specified remedy under 15 USC 1692c ( c ).

Their so-called validation sent to me failed to meet all 5 requirements under 15 USC 1692g , which means they are in another violation. An original writing, recording, and photograph are required in order to prove its content. Bill statements are not mentioned as validation, according to congress. Bill statements with the name of my organization on them are nothing but receipts, proving that XXXX ( the debt collector ) was credited for the transaction already through me, the original creditor.
Product: Debt collection

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/2021 Balance : {$16000.00}
Product: Credit reporting or other personal consumer reports

Theres an account on my XXXX called Acima Digital FKA Simple Acount # : XXXX for a balance of {$2000.00} with the original balance being {$2100.00} as said by XXXX on my credit profile. This account is a problem account because XXXX  doesnt give me the option to dispute. This is not my account and should be deleted off my credit as soon as possible. Im going to upload a Massachusetts ID card and a Social Security card to help verify my identity. Please delete this account from my credit report because this should be there.
Product: Credit card or prepaid card

In XX/XX/XXXX I obtained a Cabela 's Capitol One Visa credit card with a {$3000.00} limit. In XX/XX/XXXX I was three days ( 3 not 33 days ) late with making a payment of XXXX. In XX/XX/XXXX my limit was decreased to {$1500.00} at the time I had over {$1400.00} in charges that I was paying on. after lowering my balance it had a huge negative impact on my credit causing my points to be decreased by 50 points and my debt to income ratio to increase painting the picture as if I do not make payments or pay my bills. during that time I was in the process of purchasing a home and could not secure the loan amount because of what Capital One/Cabela 's  done to my credit for being 3 days late and only had the card for less than 90 days. This really puzzled me of how a company can destroy someone's creditability for no reason I have never been anywhere near 30 or beyond late. After paying the card down to XXXX dollars to lower my XXXX so I could secure a loan to purchase a home for my family before I retire from the military. I was told it was best to have a balance on the card not to hurt my credit so I charged {$270.00} on the card. 0n XX/XX/XXXX my credit limit was reduced again to {$500.00} for no apparent reason. All payments were made in time automatically through ACH set up to eliminate any reasons for what happened previously. Again I am now about to close on a new home and they do this again with no reason as of why. When I called they could not give me a reason as of why they did it. This has to be a violation of the FCRA. I got the card to help boost my credit and they have done everything to destroy it. I have been looking for contact information to email the CEO of this company because this is very unfair treatment to a customer who has paid of cars with Capital One and have spent a lot of money with Cabela 's. Is this predatory lending or a set up to destroy credit and lose faithful Cabela 's customers. in less than a year and never late they have successfully destroyed me for no reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ) Section 605 ( b ), it is illegal to report information on my credit report without my permission. 

Please remove this information from my credit report immediately. 

Thank you. 

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

On XX/XX/2020 I pulled my report at XXXX XXXX to qualify for a new mortgage, upon review it was shown that multiple accounts on my report were not mine. These accounts are the result of identity theft and fraud that was done in my name. 

These accounts listed on this federal affidavit are fraud, are the result of fraud and have no merit in my name. 

This includes ; XXXX XXXX XXXX {$300.00}, XXXX XXXX {$2300.00}, LVNV FUNDING - XXXX XXXX {$410.00}, XXXX XXXX XXXX XXXX XXXX {$2900.00}.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered some erroneous information. The Experian and XXXX credit bureaus are required to validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not permissible to leave this reporting account unverified without providing proof within the legally allowed period. The following accounts need to be investigated and corrected for erroneous reporting in my file, as listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian I filed a fraud report with the XXXX and CFPB they are government agencys That is all that I need to do XXXX XXXX XXXX AND XXXX  state they will not take it, Not sure if XXXX XXXX  XXXX stated any thing because they sold to XXXX  and letter came through XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had FIVE late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX  XXXX : [ # XXXX ] Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit card or prepaid card

On XXXX XXXX, XXXX, Citibank closed by account XXXX XXXX XXXX XXXX without properly notifying me , even though Citibank is able to do all or any of the following to contact me : 1. By telephone at the number they have on record. 
2. By regular mail at the address they have on record. 
3. By sending a secure message through Citibank Online system. 
4. By email to the email address they have on file. 

I did not know about it until I received a XXXX credit monitoring alert on XXXX XXXX, XXXX. The account closure resulted in a decrease of my credit score with XXXX, XXXX and XXXX. 

On XXXX XXXX, XXXX, I called Citibank and asked to reopen the account. Citibank representative did not agree to reopen the account without running a new credit report even though I was a Citibank customer for 20 years and Citibank has first-hand knowledge of my credit practices and payment history. Accessing my credit report again by Citibank could have resulted in further decrease of my credit score.
Product: Credit reporting or other personal consumer reports

I have had numerous issues with Transunion beginning with the purchase of a new home. I had attempted identity theft and fraud on my bank accounts, therefore I placed freezes on all three credit bureaus. All but Transunion went smoothly. I placed the freeze on XX/XX/2024. On XX/XX/XXXX, I had to shop for homeowners insurance for my new home and of course the freezes prevented me from doing that. So, I attempted online to remove freeze temporarily and transunion gives me an error message to call in. I call in, answer all of the computer identifying questions, name, XXXX, ss #, addresses, etc. which all takes about XXXX mins. Finally placed on hold another XXXX mins to speak with a real person. The live person again identifies my by asking me questions which I answer him, only to be told that there is " a system glitch '' and I have to mail in a letter to have freeze removed. Even though I answered all questions correctly, identified myself, gave them my ss #. So, I call in XXXX more times after and all representatives tell me the same thing, they can't help me and I will have to mail in a letter. This is illegal. I had only XXXX day to purchase homeowners insurance and this has created a huge problem. I should have access to MY OWN credit at all times without them creating roadblocks and more trouble for me. And when I ask to speak with a supervisor they happen to be " the supervisor. '' I should not have to mail anything in to take care of business FOR MY OWN CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY  GM  LEASE ACCOUNT IS FAILING TO REPORT TO  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank, the issuer of XXXX XXXX credit cards, recently ( XXXX of XXXX? ) issued a late payment notice to the three credit bureaus pertaining to an overdue {$60.00} bill from XXXX XXXX that I inadvertently overlooked my husband assumed that the account had been set up for autopayment of the full amount and simply put the statements aside for later filing. The account was opened I believe in XXXX of XXXX. I became aware via a telephone call of the two-month overdue payment on XX/XX/XXXX of XXXX and paid the balance due in its entirety that same day. The fact of the late payment and the mitigating circumstances behind it are both clear and have been communicated to Comenity Bank Comenity Bank is in receipt of an exchange via their website ( XX/XX/XXXX ) and two subsequent letters to them ( on XX/XX/XXXX and XX/XX/XXXX ) attempting to clarify the extenuating circumstances in the hopes of achieving credit history relief, all of which have been unsuccessful. I do not understand the basis for Comenity Banks dismissive responses to my inquiries. 

I am a XXXX year old woman with a decades-long spotless credit history, and this notice has had a significant impact on my otherwise excellent credit history, and the long-term ramifications at my age can be significant. I would hope that systems or regulations are in place to ensure that financial institutions provide reasonable oversight in the application of credit related tools, particularly for the elderly, to prevent either indiscriminate or punitive misuse of these tools. 

A timeline of significant events is included as the first page of the attached scan file, which also includes copies of the website exchange and of my two letters to Comenity Bank, as well as Comenity Banks denial responses. Again, this late payment issue was addressed in full on XX/XX/XXXX of XXXX, the day that I was made aware of it via a telephone call. Once more, my husband set aside the ( unopened ) initial statement pertaining to the {$60.00} purchase and the subsequent statements for later filing under the incorrect assumption that the account had been set up for autopayment which he did in fact do the same day that this issue was realized, XX/XX/XXXX of XXXX. 

Credit is extremely important to me, particularly at my age. I do not understand Comenity Banks refusal to pursue a course of remedy that their own Customer Service Department, who forgave the second penalty charge upon hearing the reason for the overlooked payment, indicated as a very reasonable course.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a few disputes on Experian, XXXX, and XXXX. I have a FTC ID theft report- and whenever I file the disputes they say the same thing- as " verified by data furnisher '' - but in the description it says " consumer provided vague information. How is a Federal Report vague information? All of the other items on my report were taken care of- and yes there were several ; except for the fact that every hard inquiry except 1 on my report, was not done by me. Also, even the soft inquiries- hundreds of them- still show and affect my score! Before all of this ID Theft, my credit score was at XXXX ; now it is mid XXXX. This has ruined my life and my business! I am a sole proprietor- so the negative impact of all of this has brought my business on the verge of closing! All due to the fact I cant get any financing/credit because of this!
Product: Mortgage

We are currently trying to refinance with Freedom Mortgage and it 's taking over 3 months.My husband and I have good credit, have a good income, have more than the necessary equity in our home, have never been late for a single payment and yet they are giving us the hardest time. We already have our mortgage with them but we no longer want the fha pmi. My concern is that they are purposefully dragging this out. 

There is clearly an issue with this company. I wish we had gone with a local bank who could have had this loan done 2 months ago, but we 've already paid {$500.00} for the appraisal. They have been saying just 1 more week, every week for the past several months. I fear it will never end!