23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Good evening, So on the morning of XX/XX/2023. I got separated from my friends on XXXX XXXX in XXXX XXXX. We all been drinking and towards the end of the night I tell them Im about to grab pizza right quick. XXXX XXXX  later they are no where to been found. Im running down XXXX XXXX and I get called over by XXXX female in a car. They are trying to help me so I get in the car. I know that was pretty stupid but understand I was under the influence and I trusted them at the moment. Im on the phone with my friend and she is like I cant hear him give me the phone. She gets the phone drives in a square and says okay we are the location of your friends. I quickly get out the car without grabbing my phone and after a couple minutes of looking she was gone with my phone. Now Im in XXXX XXXX at like XXXX in the morning and Im stranded with no where to go. I do not know the duty phone because I just check into the unit. So the last thing going through my head is freezing my accounts. My main priority is to get home safely. So I manage to ask another stranger around the block to call me an XXXX. I get in the XXXX and I get home. The next day I dont have my phone and my keys are in the same friend car that left me. I manage to contact him through my computer and he comes over. We go to the nearest XXXX XXXX XXXX store and I get a new phone. Im trying to log into my apple account but the password has been changed and the verification phone number has been changed as well. I eventually go home after trying for 2 hours and I realize I need to check my account. I download navy federal  and I finally get into my account after XXXX hours. I find over {$8000.00} was spent between my two credit cards, my savings, and checking account. I immediately call navy federal to submit my fraud claim. They also manage to change my code word as well. As of now my fraud claim have been denied. I have read online that other people have trouble with navy federal in regards of fraud claim.
Product: Credit reporting or other personal consumer reports

EQUIFAX IS REPORTING INCORRECT INFORMATION, VIOLATION OF MY CONSUMER RIGHTS
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint to the CFPB under complaint number XXXX in which I was advised by Experian I do not have an account reporting under XXXX and they investigated it. They sent me a copy of someone else credit report and never even looked at mine. It was someone else by the name of XXXX XXXX. I have attached again screen shots to show that they have not completed an investigation and have not met the 30 day response time on multiple occasions. I want for this account to be deleted due to their lack of compliance.
Product: Mortgage

lender states that due to covid 19 they need verbal verification of work per their policy. At the time I could not get that from the company I work for with strict policies. I got a written verification for lender but I work from home and they also wanted written verification of working from home status. This is something I could not obtain. After escalating internally with my company I received approval for verbal verification from direct manager. Lender will not take a verbal verification now. Refuses to. Currently 3 days till closing and threatening to not close my loan.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against XXXX, XXXX, Equifax, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX regarding an account that has been reported on my credit file. Recently, I reviewed my credit report and found accounts with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX that I do not recognize.
Product: Credit reporting, credit repair services, or other personal consumer reports

From a collection agency called XXXX XXXX XXXXXXXX Opened on XX/XX/XXXX This showed up on my credit report dated XX/XX/XXXX, so let me clarify 1. This is with XXXX XXXX, not an actual debt it is with an educational institution that I have been disputing this since XXXX and XXXX. You can not attend XXXX unless your classes are paid for in advance. My XXXX  loans from fasa and Pell grant monies total XXXX. This supports this statement. 

2. This is the second collection agency they have hired again with the wrong information 3. You can not report a debt when it's money owed to an educational institution especially since it has been in the deferred time frame. 

4. I also spoke to XXXX, and XXXX again instead of doing their due diligence they just ask if this is correct and of course, the reply is always yes it is always the person putting in the information that has to do their own investigation and support it with documentation in with today knowing companies are fraudulent and abusing with business tactics like constantly selling debt to another collection agency with the wrong date and then it starts all over again. This should not be allowed because they had XXXX when it was XXXX as an example 5. No contact written or phone calls and I am listed and all over the internet and if calls were made, they left no name and a number that did not work, and all of this is saved in my phone records.
Product: Credit reporting

I am trying to reestablish my credit after Chapter XXXX bankruptcy last year. I wanted to check for credit report, and XXXX XXXX XXXX states that my mortgage was discharged! It was NOT a part of the filing. I did not go into foreclosure, only credit cards. I 've been paying all along. I filed a dispute with Transunion. They " verified '' that the information shall remain unchanged. Then why should I continue paying them? Can I make payments to a third party intil this issue is resolved? I 've got receipts because I pay in person plus have cancelled checks. It 's interesting because during the process of my bankruptcy, I could n't pay in person and had to send checks to a different address. By XX/XX/XXXX, the bankruptcy annotation in their file was removed and I once again have been paying in person. I will never be able to reestablish credit with this glaring mistake in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to remove a bankruptcy from my credit report for several months now. The company in question, Lexis Nexis, has falsified information as to how they received access to this information, violating the law as a result, and asked them to do the right thing by removing this information from their record, and I have yet to have received a response in over a month. This inconvenience has had a major impact on my life and ability to apply for anything credit related, and I want this removed ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I accidentally put a freeze on my credit when I was reviewing my credit report. Without explanation Experian will not allow me to remove the credit freeze online. I have sent them documentation to prove who I am with instructions to remove the freeze. Meanwhile I have two banks trying to process loan applications and can not due tobthe Experian freeze. It is impossible to reach a human being by phone at Expert.
Product: Checking or savings account

Hi, I signed up for a Chase checking and savings account because of the bonus offered ( {$900.00} total ). 
XXXX XXXX XXXXoffer I got the bonus for the checking account no problem ( {$300.00} ). But I also followed the directions to get the savings account bonus ( {$400.00} + {$200.00} = {$600.00} total for savings bonus ). I haven't gotten the bonus. 
I messaged Chase and all Chase said was that the promo code applied only to the checking account but I opened them at the same time through the same link for the purpose of receiving this bonus so it should have applied to both. 
I followed all instructions and have kept {$15000.00} in the savings account since XXXX XXXX XXXX. It was deposited correctly, from XXXX. I sacrificed interest that amount of money could've been making in order to get the {$600.00} bonus, but now I don't have it. And I can't apply it to only savings now because if you receive a bonus within a certain amount of time it disqualifies you from receiving another bonus.
Product: Mortgage

My mortgage was originated with XXXX XXXX  in XX/XX/2019. 
I applied for and received forebearance due to Covid. To exit the forebearance, I was approved for repayment at the end of the mortgage term. During that process, my mortgage was sold and is now being serviced by Mr. Cooper. They are not honoring the agreement I received from XXXX even though I have multiple papers stating that nothing would change. The offer from Mr Cooper was to raise my mortgage payment by approximately 30 %.
Product: Checking or savings account

Sofi will not realease my funds. I deposited a check into an account I hadn't used in a few years. As the check was being processed my account was flagged and later deemed to have violated a policy without being notified of what policy I had violated and that my account was being closed, those responsible for closing my account could not be reached for any information, is what i was told each time I used my only way to get any information from them. It's now been XXXX weeks since the account was scheduled to be closed and yet it's still not closed and I have been given no information on when it will be and when I will have access to my funds.
Product: Credit reporting

I contacted Equifax by phone on Thursday, XX/XX/XXXX, and today, Tuesday, XX/XX/XXXX to dispute my Chapter XXXX dismissed bankruptcy I filed XXXX over seven years ago. 

I requested " verifiable proof '' by Equifax. I am entitled to the " verifiable proof '' by Equifax under federal law. The agent with Equifax , stated today XX/XX/XXXX, that they have no " verifiable proof '' as to why they are still reporting the Chapter XXXX, and to legally report my bankruptcy for three more years. I requested with the agent to have Equifax mail me a letter in writing, stating that they have no " verifiable proof '' to report this bankruptcy for 10 years. The agent hung-up on me today, and the first time I called on XXXX XXXX, the agent also hung-up on me as I was giving the agent information on my file to dispute the bankruptcy. 

The credit bureaus do not tell their consumers that their is a federal law which requires them to have " verifiable proof '' to report bankruptcies past the reporting period, and to provide that information to their consumers if it is requested by the consumer. My Chapter XXXX has been removed XXXX two months ago, but Equifax has a policy to report Chapter XXXX if it is dismissed up to ten years. 

Equifax needs to now remove this bankruptcy from public record on my Equifax file if they do not have " verifiable proof '' to continue reporting this bankruptcy under public record. I am retired senior, and I can not obtain financing to borrow funds to have needed dental work done due to this bankruptcy. The reporting by Equifax is still casting a dark shadow on my credit, and I have patiently waited over seven years for good credit so I can borrow funds if needed. Equifax does take into consideration that they play with people 's lives when it comes to their credit. 

Equifax needs to remove the Chapter XXXX from my file, or have them provide me with " verifiable proof '' that they do have a legal right to continue reporting this bankruptcy, otherwise, if they can not support the documentation, they must stop reporting the bankruptcy, and delete this information from public record on my report. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. I would like them to remove from any affiliation with me immediately. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My mom passed away, I took over her home. She borrowed XXXX in 2017, its now over XXXX. I made contact, and was told that they would work with me. They since have sold the loan 4 times this year. Every time I make contact, try to get all information its sold again. Now they are trying to foreclose and take the home I live in. The government informed me, and we raced to hearing. I am still in dark. I am being put off, I tried to get a loan to pay them yet I havent received anything from PHH. This has been going on for a year. My name is XXXX XXXX. My mother was XXXX XXXX. Please help me. I feel like I am losing my mind. After talking to the first two companies, they in courage me to put money into home to increase value, I feel it was to steal it from me. XXXX. I make good money credit score could be better I know. Please contact me and them to get in the middle of this before I am XXXX and on the news over over reacting. This is a nightmare thanks. XXXX XXXX. XXXX
Product: Credit card or prepaid card

I purchased a {$50.00} XXXX XXXX giftcard at XXXX on XX/XX/2023. I checked the balance and the money was there. Today XX/XX/2023 when I tried to use it, it declines. I checked the card balance again and it's at " XXXX ''. Transaction history shows that an unauthorized charge of {$50.00} was taken on XX/XX/2023.
Product: Money transfer, virtual currency, or money service

I was forced to report a fraudulent customer satisfaction cashier 's check to the Consumer Protection Division at the Mississippi Attorney General 's Office. I am currently awaiting response from XXXX website as instructed in previous communication with Wells Fargo who provided the cashier 's check signed by XXXX XXXX. 

I was ordered by XXXX XXXX XXXX XXXX to stop communicating with the bank and a supporting letter was sent from the XXXX Department who previously refused to fully examine my concerns about switching my savings account with a withdrawal regulation to a checking account with unlimited withdrawals. The change ultimately resulting more than {$14000.00} drawn from the XXXX XXXX Account set up with Wells Fargo to temporarily pay some medical expenses. 

Since I was ordered to cease communication with the bank I am requesting our state become involved in the mediation process. I would like to go on record and state I have not accepted the check as any form of settlement in the unauthorized account change and want this complaint to clearly state the efforts made to honor the cashier 's check were fruitless and still have not cleared the Wells Fargo account. 

I included two XXXX XXXX receipts showing attempts to honor cashier 's check after bank verification on the number printed on the front of the check.
Product: Credit card

On XX/XX/ I redeemed XXXX points for NFL merchandise Comenity Capitol Bank Visa deducted the points but I did not receive my merchandise. I called numerous times, talked to supervisors and filed a dispute but nothing was resolved. In XXXX I tried deducting XXXX  more points for merchandise and again the company took my points but did not give me my reward. I filed complaints, talked to supervisors but again nothing was resolved.
Product: Credit reporting 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 Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : 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 Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX CA XXXX Subject : Pre-Arbitration Demand Letter for Violation of FCRA To whom it May Concern, I am writing to formally notify you of your violations of the Fair Credit Reporting Act ( FCRA ) concerning the debt reported on my credit report without proper notification. Account name : XXXX XXXX XXXX Account number : XXXX According to the FCRA, consumers have the right to be informed about debts before they are reported to credit bureaus. Despite this requirement of XXXX XXXX XXXX failed to provide a certified receipt with my signature confirming that I was properly notified of this debt before it was placed on my credit report. 

Additionally, I submitted a formal dispute regarding the company and the dispute is over 30 days, requesting a furnished certified receipt as evidence of proper notification. To date, I have not received any response from company addressing this request, which is a further violation of the FCRA. Below is certified receipt with signature that it was received. 

Under the FCRA, credit bureaus and furnishers of information are responsible for ensuring the accuracy of information reported. Your failure to provide the requested documentation and to respond to my dispute indicates non-compliance with these legal obligations. NMLS states that XXXX XXXX XXXX is not registered to collect on alleged debt. 

To resolve this matter amicably and without further escalation, I demand the following actions within 14 days of the date of this letter : 1. Immediate removal of the disputed debt from my credit report.

2. Written confirmation of the removal.

3. A certified receipt with my signature, if such a document exists. 

If you do not comply with these demands, I am prepared to pursue arbitration with Experian to enforce my rights under the FCRA. Please note that this letter serves as a pre-arbitration demand and does not waive any of my rights or remedies. Each violation is XXXX dollar each I look forward to your prompt response to this serious matter. Please contact me at the phone number or email address listed above to confirm receipt of this letter and to discuss the resolution of this issue. I will be sending Certified mail copy to Experian. 

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

I have contacted the company directly on many occasions over the phone. I keep being told that they will not accept payment on my debt and that my debt has been discharged. Ive been told several times and I even sent the credit bureaus a credit report challenge letter to look into the matter. 

I am trying to repair my credit and the company will not allow me to make a payment to settle the account and they will not remove the negative mark on my report either.
Product: Checking or savings account

fraud was initiated on my account in which i asked for IP addresses and XXXX addresses and no one was able togive me info or reinstate the accounts to be opened for good faith use while still benefiting from all titles rights and interest in my accounts insured by the fdic
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts should not contain any late payments whatsoever : 1. XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX  Each of these accounts were open under an open end credit plan and according to the fair credit reporting act, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. These accounts contained a finance charge, which is the sum of ALL charges. The finance charged was paid when the company required my credit card ( social security number ) to open the account to begin with. Thus, the account was paid in full and shall not contain any late payments.
Product: Mortgage

My complaint is against Specialized Loan Servicing ( SLS ). We were switched over to SLS a few months ago and it has already been a nightmare. We never received any statements from SLS until we were mailed foreclosure papers. My husband called up SLS and at first they were not even sure they had us in their system. What?! He was finally able to figure out the amount owed and we mailed it out thinking it was just a fluke. We, again, have not received any statements so, again, my husband had to call to see what was going on. We were told SLS does not send out statements unless we send them a request in writing. We are pretty sure that we are being overcharged as well but we have no itemized statements for reference. We are not sure what game SLS is playing but we feel this company seems to be setting clients up for foreclosure. SLS is the most unprofessional financial company we have ever dealt with in the 16 years that we have been home owners.
Product: Credit reporting or other personal consumer reports

Law 15 U.S.C 6801 States that are none public information can not be share with a financial institution. Law 15 U.S.C 6802 State that financial institution before they report anything to your consumer report. I as a consumer have the legal right to opt out of anything reporting on my credit profile. or they have to send me XXXX different letters for me to sign and give them permission to report that type of information ton my consumer report. I have never receive or signed anything at all. And i know public information can not be share without my legal consent. These are the accounts i want removed XXXX XXXX XXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX  XXXX # XXXX, XXXX XXXX # XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern Please, may I request your help? This situation is a very serious matter involving fraudulent activity appearing on my personal credit report. 
A company named : SANTANDER CONSUMER USA, XXXXXXXX XXXX  XXXX XXXX XXXX, TEXAS XXXX Has stolen my identity, involving an automobile lease, dated XX/XX/2015 resulting in a {$49000.00} loan. that resulted to date, in " 36 '' charge-offs reported to all three credit bureaus, with a balance of {$27000.00} left abandoned. 
I very rarely ever see my credit report and it was not until I tried to a purchase large cost item ; that I was shown over " 40 '' inquiries listed on my credit, along with this organization, named SANTANDER CONSUMER USA. I immediately filed a local police report along with filling a dispute with the three major credit companies along with attempting to make contact with SANTANDER CONSUMER USA. 
I sent an affidavit that was notarized to the company and they have never responded. My dispute was denied, as they claim that I am the lessor. 
This situation is clearly fraudulent and has destroyed my personal credit. I feel that I have been taken severe advantage of. I am a senior citizen and I live very simply. 
Most sincerely ~