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

Due to the Equifax credit information breach, my son 's social security number was released and someone started fraudulently using his social security number. We learned about this last week when we went to open a utility in his name. XXXX worked with us to clear up his file. When we ordered his free credit reports only XXXX sent one to him. Equifax refused to send him one and we haven't heard from XXXX yet but neither report was available online. Each credit bureau instructed him to call for further assistance. Equifax asked for more documentation to be sent to them via mail or fax, which we felt was a very insecure method. We called to get help and to see how we could send information more securely, perhaps via an encrypted email & try to figure out how to resolve the issue. When we called Equifax, they refused to help him because I was helping him explain his situation. He gave them the authority to speak with me by giving me legal power and privity to speak on his behalf over the phone but they refused to speak with me. We informed them that he is a person with disabilities  and needs support to navigate the situation but they refused to help. In frustration, he tried to speak for himself and they still refused to help him. They demanded that we provide a power of attorney document from a lawyer to speak with me. That should not be required. They are clearly not aware of federal protections for persons with disabilities. In fact, anyone can do that if they need help navigating a service or call, it's our right! Their company policy can not trump federal law and I tried to explain this to them but they refused to help him. Now not only have they compromised his social security number, but they also refuse to send him a credit report so he can take the necessary steps to clear his file and they refuse to speak with him or me to help him resolve this problem. We are at a loss. We don't know how to help him fix this. They also refused to pass us to anyone above them to help us. We spoke with XXXX, a XXXX with Equifax 's office of consumer affairs. He actually wound up hanging up on my son. So utterly frustrating!
Product: Credit reporting or other personal consumer reports

Experian, Transunion and Equifax deleted inaccurate fraudulent account then re-inserted the item back on my consumer reports. 

NOTICE TO PRINCIPAL IS NOTICE TO AGENT AND NOTICE TO AGENT IS NOTICE TO PRINCIPAL I am writing to formally dispute several inaccurate and fraudulent items on my credit report, which I have identified as the result of identity theft. As a victim of identity theft, I assert that these charges were not authorized by me and are being reported in clear violation of the Fair Credit Reporting Act ( FCRA ). In light of the rulings in XXXXXXXX XXXX  Trans Union Corp. and XXXX XXXX Equifax Information Services, it is clear that credit reporting agencies are obligated to ensure the accuracy of the information they report. Merely parroting data from creditors and collection agencies is unacceptable. Each of your agencies has a duty to conduct a thorough investigation and correct any inaccuracies promptly. I demand the immediate removal of these fraudulent entries from my credit report. I did not authorize any CRA to use or advertise my personal data without my explicit permission. This unauthorized use of my data constitutes a serious breach of privacy and is tantamount to identity theft on your part. Furthermore, I request that you provide me with written confirmation of the deletion of these items, as well as an updated copy of my credit report reflecting these changes. I am writing to formally dispute the accuracy of several accounts on my credit report and demand immediate action. As a consumer, I am entitled to accurate credit reporting under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. This includes the right to challenge any inaccuracies and demand that you verify the disputed accounts and provide written confirmation of your findings.- Legal Recourse : If the CRA does not comply, the consumer can file complaints with the CFPB or take DO NOT REINSERT ITEMS BACK! Im writing your agency because you are in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). These items were deleted and you reinserted them without notifying me 5 business days after and certifying that the items were validated properly. I demand you to delete these items from my credit file or I will seek Litigation. ( 5 ) Treatment of inaccurate or unverifiable information ( B ) Requirements relating to reinsertion of previously deleted material Experian, Transunion and Equifax have all violated my rights and caused severe damage to my livelihood. Pursuant 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) Delete Immediately. Thank you
Product: Credit reporting or other personal consumer reports

HI, I first noticed a hard inquiry from Oasis Financial in XX/XX/XXXX, on my XXXX report. I called them & they told me it was an error on their end, it should have just been a soft pull & instructed me to send an email to the manager that handles these issues. & He reached back out to me after a couple weeks stating he already notified XXXX to change the inquiry to soft pull & emailed me proof. I waited awhile & nothing was changed, Oasis Financial told me I need to contact XXXX for the issue because they already did their part. I contacted XXXX several times & I did a dispute to remove this inquiry & they just ignored my request & stating they can not remove it or change the hard inquiry to soft only the company can. I am really exhausted with the back in forth from both Oasis Financial & XXXX, not properly doing their jobs right. In the 1st place I NEVER should of had a hard inquiry, Oasis Financial is a loan company that works with XXXX XXXX cases to let you borrow from your future settlement & I borrowed a few thousands in XX/XX/XXXX & when my XXXX XXXX cases were settled in XX/XX/XXXX, my lawyers paid them back. I was told only time anything would show up on my credit report is if I didn't pay the loan back & the loan was paid back & I was NEVER told there would be a soft inquiry in the 1st place either, so I was shocked when I received a hard inquiry dating XXXX showing up almost a year later. This should be a simple fix to request to XXXX to remove the hard inquiry & change to soft inquiry or just no inquiry at all. This has caused my credit score to drop & I am in the process of preparing to buy my 1st home. It's causing me stress & extra time, to call both companies, just to get no where. I appreciate if they work together to get this matter corrected ASAP! THANK YOU!
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 U.S.C 1681. Account name : XXXX XXXX  account number:249090.account name XXXX XXXX XXXX account numberXXXX. Account name : XXXX XXXX account number:XXXX. Account name : XXXXXXXX XXXX Account number:XXXX  Account name : XXXXXXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX Account number:XXXX. Account name : XXXX XXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX Account number: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 State a consumer reporting agency can not furnish a account without my written instruction 15 U.S.C 1681 C. ( 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 andodates the report by more than 7 years. 15 U.S.C 1681 s-2 ( A ) ( 1 ) a person should 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: Mortgage

To whom it may concern, XXXX, XXXX XX/XX/XXXX XXXX, our house got foreclosed by Mr Cooper and we believe that this is a wrongful foreclosure and needs to be nullified. 



1. This foreclosure violates " Dual Tracking.

We were trying so hard to keep this house so we sent Mr Cooper Loan Modification Package multiple times so they could modify the loan and they were reviewing this package. On the date they recorded a trust sale date, the modification package that we sent on XX/XX/XXXX was still under review. This modification package was declined on XX/XX/XXXX which is 15 days after they recorded the Trust Sale. We even sent the Modification package on XX/XX/XXXX. According to RESPA 12 C.F.R. 1024.41 ( g ) ( 2014 ), this is prohibited. proceeding with a foreclosure sale while processing a complete loan modification application submitted at least 37 days before the scheduled sale and this prohibited practice is known as " Dual Tracking ''.

2. Mr Cooper " misled '' us.

After we received the notice of the Trust Sale date, we contacted Mr Cooper right away to see if we can hold the trust sale date. The representative advised on the phone that if we can send a signed Purchase contract and the buyer 's Proof of Fund then they will hold the trust sale date to give us time to close the Escrow.

Because Mr Cooper told us that they can postpone the sale date, we primarily focused on finding the buyer. 



We finally found the buyer who offered {$1.00} XXXX and Full Cash transaction and submitted the documents to the bank. We even opened an escrow on this property and it was going to close on XX/XX/XXXX. 



At the last moment, one day before the foreclosure date, the bank declined our request to postpone the sale date. We called many, many times to postpone the sale date and they replied " The loan is too old and we can not postpone the sale date. '' The loan was old from the beginning and they could have told us that from the beginning. Then we could have focused on alternative options. But they were giving us false hope to keep us from looking elsewhere. 



We strongly believe that this bank " misled '' us on purpose to keep us from seeking another alternative and they can foreclose on the house. Making us believe that foreclosure can be postponed and don't look for other alternatives, and decline at the last minute so we don't have any other option.. One representative even told us that he worked there for 21 years and he has NEVER seen a foreclose date postponed. We strongly believe that this is how this Mr Cooper operates to rob the houses from the distress home owner and make even bigger profit. We sincerely ask your help to look into their business practices to see if they EVER postpone the sale date.

3. We can " pay off '' the loan amount As mentioned above, we do have a buyer who wants to buy this house and he's offering well above the " pay-off '' amount. If the bank nullify and reverse the Trust Sale, then we could sell the house right away and pay off whatever we owe. 





Please look into this matter and please please give us a chance to sell this house in the proper way. 



I really appreciate your help in advance.
Product: Money transfer, virtual currency, or money service

Try to send a XXXX of {$100.00} and made a mistake and sent {$1000.00}. Called Bank of America to correct the problem and they said they would investigate approximately two days later. They said it was nothing they could do. Its just a loss. The person on the other end said theyre not sending the money back because they dont want to and they dont have to and was not directed to do so.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds available when transactions were authorized.
Product: Credit card

Hello, my credit score and report has and is always perfect. I never pay anything late and always pay early the full amount I owe. Never a minimum balance and never had any issues with any credit cards. On XX/XX/2014 Macy 's put a delinquency on my account which I did dispute. They never send me the bill and explained to me that it was not my fault. They got the payment as soon as I called them and let them know I did n't get the bill. I paid in full a week later. They admitted they had issues and said it should not effect my credit report. Yes they did put the account in delinquency. Please help.
Product: Mortgage

I submitted a complaint to the CFPB on XXXX XXXX, 2016. ( Case No. XXXX ) The bank allegedly responded on XXXX XXXX, 2016 to the complaint and said " Per the coding on the account, a response has been sent to the attorney on file. '' I checked with my attorney who represented me previously in a lawsuit involving the bank and he stated he has not received any response from the bank regarding my CFPB complaint. By the time I tried to dispute the bank 's response, more than 60 days had elapsed and I could n't respond. Please reopen this matter and ask the bank to resend the response they allegedly sent to my lawyer directly to me.
Product: Mortgage

Solicitation masked as official government notice about XXXX XXXX. Fake info about XXXX XXXX eligibility bringing about lower rates that magically visit upon the borrower. This is a known scam. 

it is fine to receive an offer to refinance a mortgage, but not to lie and mislead the recipient of the letter that there is an official government program behind the offer, when there is not. 

Company listed as JFQ Lending, IncXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I submitted a full package to Equifax stating that I was a victim of Identity Fraud. At which time, I received a response dated XX/XX/2019 that the disputes were reviewed and the items have been removed from my report. XX/XX/2019 I received an alert from XXXX XXXX showing that the items had been placed back onto my credit report. At which time I contacted Equifax Customer Service and was told three different responses, 1 rep stated that the items will be removed and once deleted they do not get placed back onto the report. 2nd rep stated to wait for the reinvestigation that I did NOT authorize to be completed and call back. 3rd rep stated that they were informed by the creditors that the items belonged to me. All within a 3 week period of XX/XX/XXXX, through XX/XX/2019. I am requesting for Equifax to fix the errors of the items showing on my report as per the completed investigation dated on XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and XXXX XXXX  are both reporting a balance on my credit report. i tried fixing the issue with the credit agencies but to no avail no results. in addition the XXXX  account was fraudulently opened in my name. ive been trying to reach XXXX  via phone and email to send in my fraud affidavit but whenever i give them my information they tell me that they cant find an account. i would like for both companies to cease reporting incorrect negative information on my credit reports. this has been an extremely stressful process!
Product: Credit reporting, credit repair services, or other personal consumer reports

Nelnet, is a previous lender for a student loan I had. The account was bought out by another lender, XXXX or XXXX XXXX. Those accounts are current and are being repaid through Income Driven Repayments. I never defaulted on any student loans and this account is remaining on my credit with the comments discharge through bankruptcy with no payments missed. The issue is, it show as a negative impact to my credit history. Ive tried to resolve the matter on my own but of course, the account remains the same with no resolution. Im looking to make a purchase on a home within the next two years and Im looking to get help with removing negative accounts. Thank you in advance!
Product: Checking or savings account

My checking account has been closed by Huntington bank on XX/XX/XXXX and the bank didn't return the balance of the account to me. I went to the local branch to verify my identity on XX/XX/XXXX. and tell them I want my account balance back. But I still haven't received the balance in my account.
Product: Checking or savings account

On XX/XX/XXXX I telephoned Discover Bank that I would not renew my Certificate of Deposit ( CD ) which would mature on XX/XX/XXXX. I requested that the matured value in the amount of {$170000.00} be returned to me. 

On XX/XX/XXXX, approximately two weeks after the CD maturity date I had not received the money and I phoned Discover Bank and complained. The Bank account service person ( ASP ) acknowledged that the check had not been cashed and said that a new check would be issued. 

On XX/XX/XXXX, having not received the money, I sent a certified letter to the CEO of  Discover Bank stating my complaint. A copy of the letter is attached elsewhere in this document. 

On XX/XX/XXXX I still had not received the money and again complained to the bank. I was again told that a new check would be issued. I said that I should receive compensation for the banks unreasonable delay in returning my money. The ASP said the bank would deposit twenty dollars ( {$20.00} ) in my savings account as full restitution. I declined the offer. 

On XX/XX/XXXX I received an Extremely Urgent XXXX delivered package containing the check -- -28 days after the CD maturity date. I am now again requesting that Discover Bank compensate me for the unreasonable delay in sending the matured value of my CD.
Product: Credit reporting

There continues to be inaccurate information being reported on my private and public record. 
The inaccurate information is : XXXX XXXX XXXX, they agreed to report my account as paid in full. also after paying my debt the company moved their office and did not contact me to inform me of the new location. It went 4 months, I did an investigation to find their new location and went to their office and ask them to honor there agreement. They agreed to do this but then they still have defaulted on the agreement to this date. 

My Next Issue : XXXX XXXX : They sent a XXXX to the IRS and I had to be reported as Income on my taxes. They never contacted me to tell me they did a XXXX on my taxes. 
This Debt needs to be removed or show a XXXX balance and paid in full. 

These companies have broken the Fair Credit Reporting Act & Consumer Act regulations 1996 to current laws and have caused my report to show inaccurate information and damage my credit worse. 

I have attached documents showing proof of my statements.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered several unauthorized hard inquiries that I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove them off my credit report. This issue is causing undue stress, and it's negatively affecting my financial standing.
Product: Credit reporting or other personal consumer reports

I have called multiple time letting XXXX/VERV-REV know that I did authorized my credit to be run to apply for a credit card after speaking to them they advised me that they are not a credit company and they have no way of removing hard inquiries from report at all all they can do is close the application
Product: Credit reporting or other personal consumer reports

I received a notice from my XXXX Credit Card account that an inquiry had been initiated by Bank of America on XX/XX/XXXX. This was done without my knowledge or consent and was done without any action on my part that would justify a credit inquiry. 
I sent them a letter on XX/XX/XXXX ( attached ) requesting information. I also sent them a copy of the notice I received from XXXX ( also attached ). 
My XXXX score is over 800 and I jealously guard that.
Product: Credit reporting or other personal consumer reports

I want you to investigate this inappropriate information on my credit report and after investigating please delete it! 

Account Name XXXX  XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$330.00} Account Name XXXX  XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$180.00} Account Name XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$82.00} Account Name XXXX  XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$78.00} Account Name XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$27000.00} Account Name XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$650.00} Account Name XXXXXXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$1200.00} Account Name XXXX  Account Number XXXX Date Opened XX/XX/XXXX Balance {$1900.00} Account Name XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$73.00}
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX, a cash app amount of {$400.00} was sent to an individual for a purchase. I never received my purchased a false tracking number was created and sent with no updates. So the charge was fraudulent and turned out to be a scammer using a fake identity of someone else. Reach out to my bank and they couldnt help since it was through cash app. Reach out to cash app but they dont give refunds. Something needs to be done about them not returning people funds when stuff like this occurs. The scams always get away with people funds. Thats not right to get free money off working people.
Product: Credit reporting, credit repair services, or other personal consumer reports

cra harassment phone call not mine no knowledge of account wells fargo XXXX from wells XXXX
Product: Credit card or prepaid card

My Payment Due date is XX/XX/XXXX I paid off my credit card on XX/XX/XXXX. 

XX/XX/XXXX I was charged interest, XX/XX/XXXX I received a late fee on the interest not paid on XX/XX/XXXX and on XX/XX/XXXX I was charged a minimum charge fee.
Product: Credit reporting or other personal consumer reports

Recently looking at my Equifax, TransUnion, and Experian accounts I have noticed several inaccuracies in the following accounts associated with my name and credit reports. It is my understanding that you will THOROUGHLY investigate these negative accounts to ensure me accuracy of the reporting. 

Following accounts ( XXXX ) XXXX XXXX account # XXXX ( XXXX ) XXXX XXXX XXXX  XXXX account # XXXX
Product: Mortgage

We were in a bankruptcy and had difficulty making our payments. Once we got back on track and started making payments, our payment dates stopped advancing correctly. 
In XXXX XXXX 2016 we were notified by our attorney that we were past due and needed to modify our loan to catch us up. At that time, our payment went up by {$860.00} to catch us up ; we paid that thru the 12 months per the terms. At the end of the 12 month term, Seterus notified us that our payments were 6 months past due. We have made every payment thus far and have not missed a payment ( late but always caught up ) ; we are now facing pre-foreclosure again because they say we are still 6 moths past due. We have explained to Seterus multiple times that according to their activity statement they sent us that the payments were not applied correctly per their attorney 's documents. They refuse to investigate and audit our loan. Our bank statements show exactly how much was paid, when, and the dates. We need help as we are being taken advantage of and can not seem to have anyone to help. I 've asked for a supervisor and upper management and they say they ca n't transfer me to anyone who can help - they say to email and fax in our request which we 've done 3 times already. We 're also being charge fees that were incurred during bankruptcy which we were told are not payable at that time, and now the fees have been assessed. Everything on thier statement from Seterus is inconsistent - I believe their own employees do n't know how to read the statement therefore does not want to help us.
Product: Student loan

filled a complaint about auto payment not working, they closed the complaint with no response. This is unacceptable and unprofessional.