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

On XX/XX/2020 I notified Experian of an invalid account on my credit file. Under federal laws and FCRA guidelines section 609 ; I requested Experian to validate/verify the account by the name XXXX XXXX/XXXX. In has now surpassed the 30 day investigation period and I have yet to receive a response. Experian is now in violation of FCRA section 609.
Product: Checking or savings account

A company XXXX  XXXX made an unanuthorized charged to my citi bank checking account # XXXX for {$140.00} on XX/XX/2024. I called the bank to dispute the charge. The cust serv rep told me that a stop paymet was issued and that I will receive a credit for the {$140.00} in 3 days ( XX/XX/2024 ). So I waited. 
On XX/XX/XXXX I called the bank again and I was told that the credit will be posted on the account that same day durinh the day. But the credit did not show up on my account so I called the bank again on XX/XX/2024. This time I spoke with a supervisor whom explained to me that the credit requested on XX/XX/XXXX was for {$140.00} and not for {$140.00} and because that mistake ( yes XXXX ) I will have to wait until XX/XX/2024 to receive the credit. And she also placed a revoke so bankcard can't charge me any more. 

Today, XX/XX/XXXX I checked my account and still no credit for {$140.00} was posted. 
So I called the bank again. Asked for a supervisor. Waited 1 hour and 4 minutes. The supervisor didn't listen and yell at me instead. So I called again and another cust serv rep explained that no one put a dispute on the unauthorized transsaction so that's why a never got a credit XXXX so did the other supervisor lied to me? Because this is a different story. So I was transfered to another supervisor and she told me that I need to wait another 45 days XXXX And I said this is not helping.
Product: Money transfer, virtual currency, or money service

I used MoneyGram to send money to my dad on XXXX XXXX and I received an email to notify my that the transfer was in progress. 
On XX/XX/XXXX I received an email from MoneyGram to inform me that the transaction was completed along with the reference number for the receiver ( my dad ) to retrieve the money. 
XX/XX/XXXX or XXXX : my dad went to pick up the money and was told that he couldn't receive the money because the transaction was blocked. So he called me and informed me. 
XX/XX/XXXX : I did call MoneyGram ( next day ) and after spending about an hour on the phone with 4 or 5 different agents total and going through verification and screening the last agent told me that there was a technical issue on their end and this is the reason why the transaction did not process. He then told me that it would be resolved and the money would be available for pick up within 24-48 hrs. ( This would mean that the money should be available by XX/XX/XXXX ) XX/XX/XXXX : My dad went back to the agency to retrieve the money and was told that the transaction was not processed. ( You can imagine how frustrating this was for him and for myself when he called me to let me know ).

I called Money Gram this morning ( XX/XX/XXXX ) very XXXX and this is when I was informed that my transaction was cancelled and scheduled for refund. ONLY AFTER talking to the 1st agent I received an email informing me about this ; AND I have to wait 3-10 business days for them to process the refund. 
I requested to talk to a supervisor or someone in charge ; I was transferred to the escalation department where I talk to another agent who was basically telling me the same thing the previous agent said ; there is no way for them to expedite the refund. 
I was sending money to my dad for health reason and this experience was frustrating for both. At this point he would be dead by now if if was a critical illness that depended on that money. After using their service for several years now this is the first and the worst issue with them. 
- they did not communicate on the status of the transaction UNTIL I called them - they canceled the transaction - they wasted so much time having me and my dad wait ( 3 weeks ) - they have me wait 3-10 business days to get refunded - they still have NOT told me WHY was the transaction cancelled after all this time They should have a way to compensate customers for this kind of inconvenience and damage they cause customers with situations like this.

VERY XXXX!!
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, a collections company XXXX XXXX XXXX opened a report for {$1100.00} Inquiries : XXXXXXXX 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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 my account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt XXXX XXXX XXXX
Product: Debt collection

I do not have a signed contract or any contract Enhanced Recovery company.I have never done business with this company.I am not liable for collection of this debt from XXXX.I am not responsible for this debt with Enhanced Recovery company.
Product: Mortgage

I applied 6 loans with Franklin American Mortgage Company. 

The lender approved the loan. They asked me to submitted additional documents. I submitted everything and cleared all conditions they asked for. All conditions were cleared. They also even allowed us to proceed to input fees to order final loan documents. 

All of sudden, they denied all 6 loans WITHOUT ANY REASON. We were asking for the real reason and they did not tell us. Even their employee ( account executive ) did not know the reason. 

They did not send me the lender with the reason they denied the loan. When my broker asked, they send me a letter with the reason as " Unverifiable Information ''. This is NOT correct as I provide them all information they ask for. 

After many times begging Franklin to give my broker the real reason the loans were denied, they still did not provide the real reason. The only reason provided through the Account Executive ( XXXX XXXX ) was that borrower failed to disclose properties. This was not true because we did provide all properties as soon as lender asked for. Not until XX/XX/2018 ( after I pressed for the true and honest reason ) that Franklin American told me about the exception ( that they only allow up to 4 properties and if more than 4 properties, exception is needed ). Why Franklin did not tell us upfront the real reason? They did even cleared this exception conditions in their website. And if the exception of 6 properties was the real reason, why didn't they deny two loans and still allow me to proceed with 4 loans?
Product: Debt collection

I have an account with my daughter, not only was it her student loan money the account had under XXXX dollars, which by New York State law is exempt and the creditor can not take this money. Also on the NYS Collecters Association there is an explanation on how certain money in the bank is exempt. I explained to the bank and the third party creditor and none of them knew this law existed. I believe the money was taken out against the New York State Levy Laws.
Product: Credit reporting or other personal consumer reports

This item was paid and has a XXXX balance. It is negatively impacting my ability to obtain credit and employment. Please remove from my report. 

XXXX XXXX XXXX XXXX and XXXX
Product: Credit reporting

I am filing this compliant this because Experian has ignored my request to provide me the documents that thier company has on file that was used to verify theses accounts. Being that they have gone past the 30 day mark and can not verify theses accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which not can not be verified that have disputed. Please reslove this matter as soon as possible. Thank you
Product: Credit card

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instruction, under 15 USC 1666B a creditor may not treat a payment on credit card account under an open and consuming credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX. I am filing this complaint for my self and do not need any assistance from anyone to file a complaint against your company for the violation you have committed against me. MERCEDES BENZ FINANCIAL SERVICES is in violation of 15 USC 1681a 2 ( A ) ( i ) by reporting late payments on my consumer report for an account with [ account # : XXXX ] EXCLUSIONS- : Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; MERCEDES BENZ FINANCIAL has been reporting late payments which are transactions. THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU, MERCEDES BENZ FINANCIAL ) Making the report is NOT INCLUDED on my consumer report! A late payment is a transactional history. This is my HISTORY with your company and CONGRESS clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included on consumer reports! YOU HAVE VIOLATED THE FCRA 15 USC 1681a 2 ( A ) ( i ) by reporting these transactions and experiences on my consumer report which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. You have 10 calendar days to update my Payment History or delete all late payments from the accounts [ account # : XXXX I am demanding a cease and desist of all illegal activity, any communication of this and any alleged debts. If MERCEDES BENZ FINANCIAL SERVICES continues to report late payments on my consumer report I will file for litigation for actual damages caused and MERCEDES BENZ FINANCIAL SERVICES will be held criminally liable for willful noncompliance pursuant to 15 USC 1681n. Upon receipt of the documents herein and of this notice, you are herby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Debt collection

I am writing to you regarding fraudulent accounts that have appeared on my credit report. Upon reviewing my credit report, I discovered several accounts that I did not open or authorize. 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 card or prepaid card

Without ANY notice, Discover locked my account and forced me to release my personal tax transcripts before I could ever use my card again, and for the first time after being a customer for 7 years and never having a late payment. 

I was forced to close my account as I have not filed taxes yet and was not able to release returns that were not filed, especially after COVID and my income being hit from the pandemic. 

I don't know how this can possibly be legal, so I just want this on the record of complaints for Discover, for when there is a class action or further action that can be taken by government agencies. They should verify income when creating the account, not lock my account RANDOMLY after 7 years of on time payment and good account history, during a pandemic.
Product: Debt collection

I received a notification on my credit report from Sequium Asset Solutions for XXXX dollars I didnt receive no letters or calls from said company The person who added the new account was XXXX XXXX the phone number is XXXX ( XXXX ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified and sueing XXXX because of data breach have a security freez for free and Experian refuses to I filed complaints to CFPB over or about XXXX times now Experian has blocked me from disputing information on my credit account, Because of the XXXX   data breach I see on XXXX information hard inquiorys I didnt aplly for so called the companeys on the list and they have not ever heard of me and dont have me on file ever apllying so contact Experian and they refuse to do anything then I found out that someone was working under my information in XXXX Washington I live in Texas. 
Then I wrote a letter to them XXXX times about the problem they blocked me from writing then I had a piad account but they blocked me from that then after they blocked me from online account they still charged me for servicesw till my bank XXXX XXXX blocked experian from all accounts so no one can use there cards for them. 
then I called they blocked me form calling but by law they have to send me a letter showing the reason they blocked me and they have not I know this for a fact because they dont even have my right address so could not even send me anything so they told at one time that they dont dispute hard inquiries I had to contact they companies directly but they cant do anything because they dont even have me on file so they dont have nothing to dispute on file so they cant help, then I contacted experian they said cant help me even with a police report they dont care. 
Then when I call they say I am blocked, online I am blocked then write a letter they reurn it in there self addressed envelope and return it to me with a letter saying I am blocked from writing, I did CFPB complaints on them then they tell me to call them when I call they say I am blocked from calling to right them so I write them they return it saying I am blocked from writing then I go on line to dispute the isue and I am blocked from my account saying I have to write they keep saying this on response to my CFPB complaint then when I respond they restart by telling you to call in there response all over again. 
Then I have a friend they worked for them they said on complaints through CFPB are all automated responses and a real person never responds to the complaint ever, and on the account they show I have XXXX new hard inquiries as of XX/XX/2018 and score dropped and then I look and there is no new hard inquiries since XX/XX/2018 so they enter peoples account change records for score with nothing changing on the account fraud Identity theft and XXXX   and XXXX and Experian are showing inquiorys that I didnt do all being done because of the XXXX data breach all three tell me they cont care and cant help me.
Product: Credit card

BBVA Compass is not honoring its credit card contract with me, regarding points given for purchases or any ability on my part to modify my point selection. Due to an IT problem, the credit card website is totally ineffective. I have called them repeatedly, written emails, complained at the local bank branch and spoken to a variety of supervisors, but no one seems able to correct this problem. The credit card is worthless to me if it is n't doing what it agreed to do. I should be able to change which purchases I make earn the most points, but I ca n't. I should be earning more points for certain purchases, but I am not. All purchases, regardless of my choices, earn XXXX point per dollar. This is faulty.
Product: Student loan

I had federal loans for my XXXX degree ( XXXX University ) from XXXX, then my XXXX degree ( XXXX XXXX University ) from XXXX. I have been working for a XXXX company since XXXX, BUT Navient told me that Did Not not count for Loan Forgiveness. I had been paying income based payments to Navient since XXXX. I also Did Not Know that you could Refinance your student loan. I just transferred my loan to a private lender in XXXX for a lower interest payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was directed to TransUnion from XXXX, a site recommended by the federal trade commission website on XX/XX/XXXX. Transunion does not distinguish between free credit report and free credit score, one of which is not free. It sucked me into to paying a {$24.00} subscription fee to view a credit score when I just wanted my annual free credit report. The site relentlessly loops you, making it extremely difficult to cancel this automatic subscription. Transunion is dishonest and does not make it apparent what product you are signing up for.
Product: Mortgage

Dear CFPB : My client has been trying to sell her home in a short sale. She realized that letting the home go into foreclosure would result in her inability to obtain student loans for her children in the future, purchase a house in the future and would have a detrimental affect on her credit. Our office obtain offers on the property. The last offer was for {$750000.00} all cash deal which was denied. The bank did n't bother asking us for a counter and realty company was even willing to reduce their fee to allow this matter to close and avoid the foreclosure sale. The bank insist and is asking for {$850000.00}. Attached hereto is a mortgage statement my client was able to get her hands on. The payoff to the lender is {$710000.00}, why they did n't accept the {$750000.00} and are asking for {$850000.00} bewildering to my client and I. I am requesting an immediate investigation of this matter as the sale date is imminent. I apologize for waiting this long. However, the bank took months to give us a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and the other two burus is reporting an old XXXX XXXX account. I only had ONE credit card with these people and they have it listed twice! Two accounts! Two different account numbers, two different opened dates etc. Ive disputed with them 5 times on this and sent written disputes as well. They are telling me its a single entry. How is it listed twice? I had one credit card with them! I want these deleted immediately or Im seeking legal recourse. XXXX XXXX for one doesnt allow you two credit cards so this is impossible and second looking at the dates they wouldnt give you another card if you defaulted and were late on the first lol. Im going to assume its either a mistake on their end and someone elses account is on mine or they sold the debt.This is ridiculous. I feel its laziness on their end. They should know having two accounts with XXXX XXXX  and the first was late you wouldnt get another. I ONLY HAD ONE CARD WITH THEM. The problem with that is which one is the accurate account? This is my livelihood its not okay to disregard my multiple complaints and disputes about your innacurate reporting. I wont stop until this is fixed. Its principle at this point. 
Thank you
Product: Credit reporting or other personal consumer reports

There are 25 inquiries on my transunion credit report that I did not do.
Product: Credit reporting or other personal consumer reports

On XXXXXXXX XXXX2024 Mutual of Omaha reported an incorrect balance to the credit bureau 's. It was reported to XXXX also and I don't have time to wait for them to send me a copy in the mail then send to you bc it'll take 10 days.

Please do an out of cycle reporting and update this balance as soon as possible to ALL three bureau 's.

I will get my Attorneys involved if it's not corrected. Have no idea why you reported me owing more than I borrowed. You reported I owe {$120000.00} The correct balance is {$120000.00}.

I'm attaching copies of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has been non-complaint in my request ( s ) for verification of an inaccuracy in their credit reporting, regarding an entry being reported under XXXX XXXX XXXX/XXXX XXXX. 

This company violated federal law and also failed to provide me with a copy of any viable evidence, bearing my signature, showing the said account is being reported accurately. 

I have made several goodwill attempts to have them clear up this matter and they have failed to respond beyond an auto response which has left my request unanswered. 

I have requested that the company validate the reported information with XXXX XXXX XXXX/XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested with the company in a letter dated XX/XX/XXXX that this information be immediately deleted from the credit file they maintain under my Social Security number. The listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. 

I have maintained a careful record of my communications with them for the purpose of filing a lawsuit, they have also been reminded that, as in XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( XXXX. XXXX XXXX, XXXX ), they will be liable for their willful non-compliance. 

The company was made aware that they had 30 days to complete the investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I kept careful record of their actions, including their Method of Verification. I also documented with the company at the beginning of the investigation that I did not consent to e-oscar or any means of automated verification. 

This company has violated federal law, by not properly investigating within the required timeframe. I have evidence of such, via certified mail receipts, and they must now remove the item. Any other action ( or in-action ) on their behalf will result in a small claims action against them.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : -
Product: Mortgage

THIS IS NOT A DUPLICATE!!!!!!! My complaint submitted XX/XX/23 COMPLAINT ID XXXX has STILL not been resolved. I have been asking for a single point of contact for literal years and have yet to be assigned one. Please give me the name and contact information of my single point of contact! Both Colorado ( CRS 38-38-103.1. Single point of contact ) and federal code ( Civil Code 2923.7 ) mandate that servicers promptly assign a XXXX to the borrowers seeking mortgage modification assistance. Carrington Mortgage LLC has been the servicer on my mortgage for three years, I have submitted countless hardship packets and have been stonewalled and received no response and misinformation from the assorted people that answer the phone in the call center. Please hold this company accountable and make sure that they have met their obligation to assign a single point of contact BEFORE closing the complaint.