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

When i purchase credit monitoring services, I never can get my equifax credit score. That section will just be blank. 

I double checked to make sure the name they have in system matches up correctly.
Product: Money transfers

i got a call from a random number talking about my brother hit someone by the way this is false whatever so yeah they are on the phone yelling at me telling me that i cant get the police involve that i need to find money and they will let my brother go so i did i found money and they sent me to star market so i can do a money gram so that when they get the money they will let my brother go so i did and come to find out it was a scan none of this was true.i filed a police report but i was told to bring it to the fbi so here i am
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX SAID THAT I OWE THEM XXXX DOLLARS FOR RENT THAT IS NO WAY POSSIBLE THEY STOP TAKING MY PAYMENTS AND WOULD NOT TAKE THE LADY THAT I DEALT WITH I DONT REMEBER HER NAME, BUT THEY DID ME WRONG, AND THIS IS NOT THE RIGHT PRICE AND NBEED TO BE DELETED IMMEDIATELY BECAUSE THEY WOULD have BEEN DONE PUT ME OUT WAY BEFORE THIS BECAME THIS AMOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to unlock my credit report using their feature called " XXXX ''. I have tried multiple times and it is an error each time. This flaw in their system has in turn sabotaged my ability to get a XXXX loan through the XXXX for my failing business. I can not unlock my Experian File due to their system malfunctioning and in turn it can be the life or death of my business.
Product: Debt collection

I have been sued due to a credit card company. 
I am basically an indigent at this time. I had no problems until a car accident in XX/XX/XXXX. I was not a driver, only a passenger. It is currently under litigation, after Ive had XXXX XXXX and lots of constant medical care. I am currently XXXX, and have received XXXX  temporary XXXX two or three times, and received some monies. Ive lived off of loans from my lawsuits, in addition to the initial accident, Ive had 2 others, neither of which legally were my fault. All my cards went into default. I had and have no income, nor assets. I have a financed vehicle and an apartment. I own nothing, other then XXXX worth of interest and old low limit credit cards ranging from {$300.00} to XXXX XXXX. I survived off of them and maintained payments as long as I could. Ive attempted to work when absolutely necessary, however, Im still XXXX XXXX. I had a serious XXXX on XX/XX/XXXX, and a less serious on in XX/XX/XXXX. Also, many XXXX XXXX XXXX XXXXXXXX for XXXX XXXX 
I am suing the people responsible for the accidents, and have XXXX claims moving forward. Ive received loans on the claims. But, a small sum of money for a much larger return. Upwards of $ XXXX for only XXXX. I am in the end stages in one XXXX, and middle with others. I am now being threatened by numerous agencies, not only IRS, but now my utilities and debtors. I am broke. My accounts are all in the negative. I have NO cash assets. No nothing. I cant defend myself and Im XXXX and XXXX XXXX. Im anxious constantly and also, due to my severe XXXX  concerns, I struggle to comprehend everything. Id probably die best to claim bankruptcy. But, Ive tried and been unsuccessful. I have also applied for XXXX, and am in the process of that, and its been about XXXX  months since I applied. I need assistance. I dont want to end up homeless.
Product: Credit card or prepaid card

I received a Citibank card with an affiliation to Best Buy on or around the XXXX of XXXX, XXXX. I received this card in the mail after being in Colorado on vacation for the prior 10 days. Upon activating the card and signing up for online access, there was a charge issued on XX/XX/XXXX in the amount of {$700.00} that took place at the XXXX XXXX MN location. ( this was apparently a television, and a {$10.00} Donation ) I contacted the bank to tell them it was not my transaction, and needed to dispute this charge. they assured me, since the transaction took place before I had the card they would remove it. they then shut down the card, and issued a new card. I offered to provide any statement, affidavits or police paperwork they would need to look into this. They assured me on multiple occasions, that the investigators would reach out if they needed anything from me. The only correspondence i received was a letter dated XX/XX/XXXX that stated " I received benefits from the disputed charges made on this account '' I contacted the bank again, to ask what benefit, this is when they told me about the TV and donation. I again told them it wasn't me, and again offered to provide written statement and get a police report, they said they would re open the investigation, and contact me if needed. Today XX/XX/XXXX i called to get an update, and was told the investigation was complete and I am liable for the charges. 
as of today, I am filing this complaint with the CFPB, the XXXX XXXX Police Department ( case # XXXX ) and will also be contacting Best Buy. 
It is my belief that Citibank has drawn out the investigative process in such a manner, and by advising someone not to file report unless asked, they are hoping to run out the clock on and video footage of the purchase. They have also impacted my credit score in a negative fashion by reporting the account as over limit, even though I have never been late on a payment on the undisputed portion of the balance, and have made a payment XXXX recently as XX/XX/XXXX, while this " investigation '' was taking place.
Product: Credit reporting, credit repair services, or other personal consumer reports

My car was totaled on XX/XX/XXXXXXXX XXXX - Car Insurances paid the loan except for {$590.00}. I have received a total of 3 final bills with different amounts. On my credit report ( XXXX ) showed in XXXX that I owed XXXX. In XXXX, XXXX added {$400.00} to my balance. I had an opportunity to speak with the finance company and according to their records my balance is {$600.00}. I have continually asked for a final bill but have never received one. Now the company has listed on my credit report that I have been late for 3 months while the insurance company resolve payment on the totaled car. 
My contract with the finance company went to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2020 I file my first dispute with all 3 credit bureaus.

I have yet to receive anything from that dispute, so I file another one in XXXX and yet again NOTHING. Why is it so hard to send me information I'm asking for? What do I have to do to get a reply from them so I can fix my credit? I should not have to keep filing disputes and writing complaints just to get what I want.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I asked you to disclose your method of verification on the alleged bankruptcy you are reporting. You then replied to me with the enclosed letter claiming that the bankruptcy was verified by XXXX XXXX Appalled by that information, I went directly to XXXX XXXX and in their response to my inquiry they claim to have never verified this item with you and gave me the enclosed letter stating they couldn't verify the bankruptcy .This would mean this bankruptcy is by law considered UNVERIFIED. 

I AM AWARE, THE FCRA STATES THE FOLLOWING : A CRA must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. However, the CRA is not required to remove accurate data from your file unless it is outdated or can not be verified. 

I have enclosed the letter from XXXX and the court house for your inspection. Please DELETE this item from my credit reports as it is NOT verified! 

The XXXX and E OSCAR VERIFYING THIS INFO IS NOT RECOGNIZED AS PROPER VALIDATION! 

Please send me an updated copy of my report once the bankruptcy is DELETED.
Product: Student loan

Ever since Discover Bank took over my XXXX XXXX Student loans I have had nothing be trouble with what I am told and what the account shows. My payments are due on three loans on the XXXX, XXXX and XXXX of every month, but I do not get a statement/bill for that month until the XXXX or later. So after making payments and seeing them not applied, I have double paid many times. So long story short I am not sure if my account are correct or have ever been correct with all the errors I find in the accounting. For example XX/XX/XXXXI was reported by Discover Student Loans as being current for payments. Then at the end ofXX/XX/XXXX I was reported as 60 days late. I missed the XXXX payment due to being on FMLA, but paid as soon as I got a full pay check onXX/XX/XXXXone day after I would be technically 31 days later. However they reported 60 days late, also there are many other months I paid my loans and they did not report positive actions on my account. Currently as of today I have been told that want information on my account like this I need to get a subpoena. I just want to know what is in my account and know that they have applied payments as there are required too.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX  - XXXX - Please remove it from my credit reportplease investigate the history reported on this account it is absolutely inaccurate please update the account as paid a agreed I have attached a copy of my report with the accounts in question HighlightedDelete account for failure to perform an investigation per fcra regulationDelete account for failure to perform an investigation per fcra regulation XXXX XXXX - XX/XX/XXXX - Did not consent to unauthorized inquiry- This inquiry was not authorized please remove this from my credit report XXXX  XXXX XXXX XXXX XXXX - XX/XX/XXXX - Did not consent to unauthorized inquiry- This inquiry was not authorized please remove this from my credit report XXXX XXXX XXXX XXXX - XX/XX/XXXX - Did not consent to unauthorized inquiry- This inquiry was not authorized please remove this from my credit report EXPERIAN XXXX XXXX XXXX XX/XX/XXXX - Did not consent to unauthorized inquiry- This inquiry was not authorized please remove this from my credit report EXPERIAN XXXX XXXX XXXX XX/XX/XXXX - Did not consent to unauthorized inquiry- This inquiry was not authorized please remove this from my credit report XXXX XXXX XXXX - XX/XX/XXXX - Did not consent to unauthorized inquiry- This inquiry was not authorized please remove this from my credit report
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

Navy Federal Credit Union without my knowledge or consent, withdrew funds from my savings account for a defaulted account that is over 5 years old which, in the state of Florida where I reside is past the statue of limitations. I did not agree to this or, had any knowledge of the transaction ( s ) being performed. When I phoned customer service, I was told that there was nothing they could do about it and when I asked for them to send me a copy of the original agreement that allegedly gives them authorization and/or permission to do this, I was told that " they don't do that ''.
Product: Mortgage

I would like a direct answer to this question be provided by Wells Fargo. 
What payments were missing as alleged in the Wells Fargo letter dated XX/XX/XXXX which was presented to CFPB? 

Note that the market rate value of XXXX XXXX XXXX, XXXX is valued at $ XXXX : {$640000.00} as of XX/XX/XXXX. 

Historical Reference : Wells Fargo failed to address the previous complaint written below. I have included it in the new complaint for reference. 
Wells Fargo stated in their response to my complaint # XXXX the following : " Regardless of whether you provide additional information, we are outside of the regulatory mandated timeframe in which we must respond. '' Is it Wells Fargo 's intention to be uncooperative within the CFPB complaint process? I have a question about the XX/XX/XXXX letter Wells Fargo inserted in their online response where it is stated " Our records indicate that your loan is in default for failure to make payments due. '' I disagree with that assertion and it is a desperate attempt by Wells Fargo to use their letter to distract from my research which proves there was no payment delinquency or justification for a payment increase. Since Wells Fargo has introduced this letter, the burden of proof of missing payments is on the bank. What payments were missing? Wells Fargo mailed me a letter dated XX/XX/XXXX which included an attached check for {$200.00}. Wells Fargo admitted an error may have occurred We apologize for any inconvenience this caused. Since Wells Fargo has admitted an " error '' had occurred '' and provided a check for financial acknowledgement, the error qualifies me under Section 28 of the Consent Order as a victim. Unfortunately, the {$200.00} check is not an acceptable amount to make me whole and will not be cashed. It is woefully inadequate to compensate me for the loss of my home which has a current market value of {$650000.00}. In addition, under Section 79 of the Consent Order, Wells Fargo agreed to help the Bureau determine the identity and location of, and the amount of harm sustained by, each Affected Consumer. Is Wells Fargo going to comply with the Consent Order and formally declare me as a victim to the CFPB Enforcement Officer?
Product: Credit reporting

I am being denied a loan because of a " Dispute '' Status on my credit report. It was removed by the other XXXX Credit Reporting Agencies. 
XXXX has stated they are working to remove this. 
The remark is false. XXXX failed to close my account as requested and charged me fees for years without contacting me. They admitted fault and paid all the fees. It was resolved. XXXX promised they would remove this from my credit about ten years ago. My report shows it was in dispute and XXXX settled for less than the owed amount. I never did anything wrong. They are now " working on it '' again. 
This needs to be removed from my report. The fact that it only on XXXX report, shows there is a clear error.
Product: Mortgage

I first requested the assumption package on this loan back in XXXX, XXXX. I did not receive the actual package until sometime in XXXX. The initial package was returned to them on XX/XX/XXXX. There have been continuous delays by the lender and they have simply used the excuse that because of the lower rates on the assumption they are very busy. When this process started the loan was in both mine and my husband 's name. He passed away on XX/XX/XXXX and I informed them right away. I sent them copies of my husband 's death certificate and requested to proceed in my name only. On XX/XX/XXXX they informed me that they required a whole new application package. We are coming up XXXX months and still do not have a final approval on the loan. I have sent them everything they have requested ( sometimes more than once ) and have paid for XXXX credit reports. Now they are telling me that the loan requires a XXXX  company to approve it. This is an XXXX  loan that does have XXXX  but does not require secondary approval by a XXXX  company. This is beyond frustrating at this point.
Product: Mortgage

Refinanced my VA loan on XX/XX/XXXX for {$170000.00} with payments around {$1300.00} mo. Started COVIDXXXX19 Forbearance, XX/XX/XXXX. Current on payments when I started forbearance plan. Continued making payments during forbearance period, loan sold by mortgager to Freedom Mortgage in XXXX of XXXX. From XX/XX/XXXX to XXXX XXXX XXXX payments were made including XXXX trial payments. Loan modification offered by Freedom Mortgage for {$170000.00} despite over 5 and half years of payments. Contacted VA case manager months ago without response, called main number but no return contact despite being told I would. I received a 100 % total XXXX rating from the VA XX/XX/XXXX, and filed for tax exemption with XXXX XXXX. I was provided a letter from XXXX XXXX, and application with time/date stamp. Contacted Freedom Mortgage to update modification offer with new monthly payments since tax exemption was approved. Spoke with tax office and customer service rep. and was told it would take XXXX business days to update the info., send a tax refund for XXXX - XXXX XXXX ( backdate ), and send a new modification contract. I've contacted them multiple times since then and was told the issue was being sent to the research department. No XXXX contact received and deadline for the modification we had was XX/XX/XXXX, as well as payment. I contacted tax office again a couple of days ago and was told the XXXX XXXX office had messed up. I asked if they'd contacted but they said no. I asked if the documents they had me fax on XXXX XXXX were available. They said they never received any fax. I uploaded the documents online via their website which I was advised against the first time. I asked the Freedom Mortgage rep. for guidance, how much is my monthly payment amount since I was tax exempt, when I would receive a new modification contract, etc. I was told they didn't know but would send a request to the research department ( again! ). We have XXXX children and are concerned about our home now. 

100 % XXXX Veteran not receiving tax exemption from mortgage company despite XXXX XXXX 's approval of exemption status and documents provided. CARES ACT violations regarding payments during forbearance, credit reporting errors, and new modification issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  # XXXX and XXXX XXXX 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.
Product: Debt collection

First of all, this company violated the law. I am supposed to receive written notice of a debt and a chance to dispute it. I received nothing from them before they slandered my credit. 

I was no longer the guarantor on a lease as of XXXX. The new lease after was between XXXX XXXX and my sister and her husband. My attorney confirmed I was no longer the guarantor as of XXXX and that according to the paperwork, no further charges would be assessed after they moved out. Even if XXXX XXXX feels money is owed, the dispute is in litigation in court to determine if anyone owes anything. The judge hasnt ruled on anything and I never received any letter from the debt collector. I demand this be removed from the three credit bureaus immediately.
Product: Credit card

Dispute ID XXXX XXXX XXXX I XXXX XXXX DID NOT AUTHORIZE THESE TRANSCATIONS LISTED HERE WITH THE DISPUTE ID. THESE TRANSACTIONS ARE FRUDUELT, AND AS SOON AS I NOTICED THEM, I REPORTED THEM TO APPLE. YET TODAY APPLE CAME BACK TO ME SAYING I DID AURHTOERIZED THESE TRANSACTIONS, HOW CAN I AUTHORIZE THEM IF I NEVER USE IT? PLEASE CFPB MADE XXXX LOOK INTO THIS SO THEY WILL FIX IT. I DID NOT AUTHORIZE THESE TRANSACTION AND IT IS OVER XXXX IN DOLLARS THAT I DO NOT HAVE! 

I REQUEST THAT XXXX SEND ME ALL THEIR FINDING AND THEIR PAPERWORK THAT IS USED IN THE INVESTIGATION OF THIS CASE.
Product: Credit card or prepaid card

Tried to payoff a loan amount on this credit card within the promo period which ended XX/XX/20. Using the promo plan amounts I divided the payments into a monthly amount to make sure I made the cutoff date. In the last month the plan balance changed to a new plan balance and according to them I was short {$61.00}. They are now charging me the deferred accrued interest of {$1700.00} due to the {$61.00} shortfall. In discussing this with their account specialist, he said there was nothing he could do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested validation regarding an assumed bankruptcy that is reporting to my consumer report. The reference number along with court names are not reporting the same information between TransUnion, XXXX, and XXXX. Also, after I disputed these items and the credit bureaus failed to provide the method of use to validate the account, instead I received a letter from TransUnion stating after investigation it was verified as accurate. The term investigative consumer report means information on a consumers character, reputation, characteristics, mode of living is obtained through personal interviews with neighbors, friends, and associates of the consumer. An investigation was not done with any of these sources.
Product: Mortgage

My mortgage is delinquent. I have repeatedly requested a loan modification from Wells Fargo Home Mortgage and have been denied without being given a full explanation for the denial. I have continued contacting Wells Fargo to no avail. Foreclosure is eminent. I am contemplating filing for Chapter XXXX bankruptcy protection, as well as other legal alternatives, in order to protect the property. A loan modification would better serve all parties involved but for reasons not fully explained to me Wells Fargo has denied my multiple requests. My concern is that if the foreclosure process proceeds I will also be responsible for paying the exorbitant legal fees associated with foreclosure proceedings making retention of the property much more expensive and difficult. I have expressed this concern with Wells Fargo Home Mortgage numerous times and have been told they will not suspend foreclosure proceedings as they have a right to pursue such action. I am consistently told I will receive correspondence in return only to be kept waiting. I have also received outside correspondence stating that my mortgage has been sold to a new investor. I have corroborated this information with at least one outside source. However I have received conflicting reports from Wells Fargo Home Mortgage as to the veracity of this information. In essence I am not being given a straight answer. I am left will few alternatives. I believe Wells Fargo Home Mortgage is in violation of the Massachusetts Consumer Protection Act as well as numerous federal statutes and am considering legal action in order to protect my rights and property. in exploring available remedies i herein file this complaint.