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

LexisNexus continues to report to other credit agencies false information. I have contacted them and provided a valid ID of me. They have refused to accept my ID as identification stating that my address doesn't match their records. Which absolutely proves that the info that they have is false. I requested a credit freeze and they have refused. They are violating the law and my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

auto dealer supposed to get soft credit check to see if I'm prequalified, but ran multiple time hard pulls without my permission! 
XXXX XXXX XXXX ( AUTO ) - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX I do not recognize who is it/could n't find it XXXX XXXX XXXX XXXXXX/XX/XXXX promised soft check - ran hard instead XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

On Friday, XX/XX/XXXX I deposited a check I received as a paycheck for a job offered to me through my college email. I accepted the position due to needing money and the ease of it's workload ( A secret shopper position where I'd be sent money, purchase products, and submit reviews ). 

XXXX XXXX XXXX XXXX then proceeded to freeze my accounts, tell me I was complicit in fraud possibly, and after a week of no contact, they forcefully closed all my accounts, forbid me from opening new accounts ever, and mailed me my remaining money that I need today through USPS. 

This is insane. I didn't commit fraud. Is this going on my credit report? I demand my accounts be reopened so I can close them MYSELF. This bank is XXXX.
Product: Credit reporting

They reinserted all the previously disputed inquiries that were deleted, and put it all back on my credit report impacting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

They falsely advertised, did not improve my credit and stole my money. It was my understanding that money was going into a savings account but that was a lie. They made promises of raising my XXXX XXXX which was a lie, and they knew it. They are XXXXXXXX XXXX XXXX XXXX XXXXXXXX. Just wait until the laws will change and they be sued. I will be the first XXXX on the suit for a class action suit for their fraud.
Product: Mortgage

I got XXXX. I was in the hospital. My husband and I are both self employed. We both lost work as a result of my illness. Ive had it multiple times and suffer long XX/XX/XXXX. 
We reached out to Bank of America to discuss options to protect our home and mortgage while we worked to get back in our feet. They were very helpful and gave us the option to not pay any payments for a few months. They said when that period was over and we were ready they could offer us options of a loan modification, deferment of what we owe or lower our interest rate to help us be able to make out payments easier. Weve lived in our house for almost 26 years. We refinanced about 12 years ago with Bank of America. 4.75 % rate. 
Anyway, we took them up so we could work on getting things back in order. We were told they would not report negatively to credit reports, they would not charge interest and our escrows would continue to be paid. 

We were ready to start making regular payments again and they said they could offer a modification where our payment would stay the same but we would have to show we could pay for three months before it would be permanent. 
Great. We paid as we were told. They said dont pay early. Dont pay extra etc. it could keep us from qualifying. We paid on time. 

We got the loan modification documents thinking that all was good and we could just keep making our regular payments. The payment looked good. Our interest rate was still the same. But something caught my eye in the documents. It said they were adding 22 years to our loan. That our loan would be paid in full in XXXX! XXXX! Ill be XXXX XXXX XXXX. Thats 40 years! 
I called and asked them if it was a mistake. They said no. I asked for a manger to call me. When he called he insisted that was correct and that is the offer. I asked why I wasnt given the opportunity to defer the balance to the end as I was told in the beginning and he said we didnt qualify for that. I didnt know we had to qualify. He said that was the option I chose. I ask what the other options were because I wasnt offered any others and he just said this is the offer we are giving you and said they arent offering anything else. But then would say other options but refused to give me any. I was never told that they would add 22 years onto my loan that Ive already paid on. They acted like they were helping me at first. They acted like this was put in place for people like me who suffered hardship do to XXXX. They took advantage of my hardship to put hundreds of thousands of dollars in their pockets. I am not signing the loan modification. Now I am in jeopardy of foreclosure. My house is worth four times what I owe in total. This is my home of 26 years. The home I raised my kids in. I wish I would have never believed they were helping us.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to remove a collection account from XXXX XXXX XXXX even though they admit the person who opened the account t they have in collection has a different social security number than mine
Product: Credit reporting or other personal consumer reports

**Subject : Urgent Request to Update Credit Report Due to Data Breach** Dear Credit Reporting Agencies, I am writing to urgently request an update to my credit report due to a recent data breach that compromised my personal information. To protect my credit and prevent fraudulent activity, please take the following immediate actions : XXXX. **Update my contact information : ** Ensure that all of my current contact information is accurately reflected on my credit report. 
XXXX. **Remove inaccurate or fraudulent items : ** Remove any items on my credit report that are not accurate or do not belong to me. 
XXXX. **Place a fraud alert : ** Place a fraud alert on my credit report to notify potential creditors of the data breach. 

I have attached the necessary documentation directed to each agency specifically to support my request. Please respond promptly and accordingly to safeguard my credit. 

Thank you for your immediate attention to this urgent matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I received a letter in the mail from a debt collection agency stating that I owed {$400.00} and they would reduce the debt to {$200.00} if paid in a timely manner. This is for a utility company that I have never had an account with at an address that I have never lived at.
Product: Credit reporting, credit repair services, or other personal consumer reports

I joined Experian 's free membership program as another avenue to monitor my credit. They flood me with credit card offers and other offers to buy services from their platform. I have not accepted any. Suddenly in XXXX my credit score dropped by XXXX points. There was no derogatory ( e.g. late payments, etc ) activity or any other qualifying event ( e.g. closing an account ) that occurred. I requested an explanation for the drop in credit. I never received a response. I did, however ; receive a deluge of credit card and other offers that I could purchase to raise my score back. 

I checked my credit report again. There was nothing derogatory. I checked my score with the other bureaus and my other credit monitoring services and there was no change. I did some research and there are thousands of other individuals complaining that Experian arbitrarily decreased their credit scores for no reason. This seems to be occurring more often since they have monetized their services. 

Shortly after Experian arbitrarily dropped my score, my score began to fall on other platforms. When I make an inquiry it stems from 'derogatory action ' from the Experian score.
Product: Mortgage

I have attempted to apply for mortgage assistance with Chase several times since my Ch XXXX bankruptcy and each time I applied they gave me the only option to short sale the property or complete a deed in lieu of foreclosure. They had a realtor come look and take pics of the property in preparation of a short sale. I have been in this process since XX/XX/XXXX. I had an offer right away was almost at closing when Chase closed my file reopened the file only for the potential buyer to walk away. We had to start the process all over again with a new potential buyer willing to give fair market asking price of {$85000.00}. Chase continued to have my realtor sign papers and had the documents forwarded to the buyer all the way up until XX/XX/XXXX. Chase failed to request a postponement of the foreclosure date. When I called Chase XX/XX/XXXX they informed me the House was now in active foreclosure and that they tried to request a postponement with XXXX XXXX the investor and their attorney office. I contacted XXXX XXXX Attorneys office and they informed me that Chase did not reach out to them for postponement. Im very upset because I complied with everything Chase was asking of me and to allow my home to be foreclosed on, the potential buyer who was so patient in this drawn out process now has no deal to close on. From the very beginning Chase has not been helpful in this matter at all.
Product: Debt collection

I contacted the  Fair Collections Outsourcing on XX/XX/XXXX in regards to a phone call I received about a debt. I asked what the debt was for and I did not recognize the company name that was provided. The collection representative did not disclose what the debt was for. He only told me that I owed {$120.00}. I advised that I was not aware of the debt and asked that he send me a notification as I had not received one. He was combative and indicated that I had made a payment on the debt in XXXX but he still did not tell me what it was for. He finally conceded to sending a notification of the debt. It has been almost a week and I have not received anything. I asked for the name of the company that he worked for and he provided but when I asked where they were located he disconnected the line.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  continues to report incorrect information on my credit report which is damaging my credit now. I have called several times and have beent told that it was sent to a third party. Which I have asked them how are they reporting this information and I was told it isn't in their system anymore and I asked the name of the company. I then contacted the other company which was an attorney and I was then told that they had served me at my moms address which I don't stay and Haven't stayed ever. I was told that they gave it to a young lady which was my sister and said that she was XXXX. MY sister literally is XXXX and had to be XXXX or XXXX at that time.
Product: Mortgage

[ Mr Cooper cancelled my next to final automatic payment without adequate notice to me, then billed me for a late fee on my final payoff quote. They also reported me as late to the credit bureaus lowering my FICO score by 99 points. I suspect that this may be a deliberate and systematic pattern of abusing all customers enrolled in automatic payments who are nearing final payoff. Below is a copy of the letter I sent to Mr Cooper. They rejected my argument. ] XXXX Dear Mr Cooper : I disagree with your determination, and would like you to follow through on the agreement that I reached with your agent on the telephone. 

My loan is now paid off. I was enrolled in automatic payment. Mr Cooper cancelled my automatic payment for the month prior to my final payment. Mr Cooper did not tell me that my payment was cancelled. Mr Cooper did not have a valid reason to cancel the automatic debiting of my checking account for the payment due in the month prior to my final payment. 

Your agent told me on the telephone that My Cooper agreed with me, and would waive the late fee ( I was NEVER late, except for this mistake made my Mr Cooper ). The agent told me that Mr Cooper would send me a check for the late fee refund. The agent told me that Mr Cooper would report that the late payment was Mr Cooper 's error to the 3 credit bureaus, and that I was not at fault.

1. I never received the late fee refund I was promised 2. Your determination that it was my fault for missing the payment is not correct. 

Please send me my late fee refund check immediately and please report that the missed pament was Mr Cooper 's error to the 3 credit bureaus immediately.

If necessary, please escalate this to your manager and review all phone and written correspondence. I hope to hear from you very soon. 

Thanks, <my name>
Product: Checking or savings account

On XX/XX/XXXX, I had my phone, wallet, and other expensive personal items stolen in XXXX, XXXX. Afterwards, the theft immediately hacked into all of my personal banking and stock trading accounts while also using my credit cards / debit cards as soon as possible. They also hacked into my personal email and iCloud accounts, preventing me from receiving important SMS codes or emails to recover my financial accounts. I have been successful with most of my banks and credit cards, but I have not been successful with Wells Fargo and XXXX. 

With Wells Fargo, I reported to them immediately after the incident ( XX/XX/XXXX ) that my debit card was stolen and my account was hacked. I had over {$10000.00} USD in my account. The fraud report was submitted but I was denied. One of the customer service representatives informed me that I needed to go to a US Wells Fargo branch to verify my identity, but I was very busy with my new restaurant I opened in XXXX at the time which prevented me from travelling for a while. The earliest I could travel was in XX/XX/XXXX. I visited a branch in XXXX, where the representative informed me that identity verification wasn't required and I simply had to resubmit the fraud claim including my police report, which I did immediately. After filing the new claim, I received a phone call long after I provided the report around XX/XX/XXXX. The claim was escalated to the Executive Office and a member called me reporting that my claim was denied since it's been 180 days after submission. I find this response astounding since I had challenges traveling to the US and I later found out through the branch representative that an identity verification in-person was not even required! If an identity verification was not required in-person, I could have handled everything remotely without having to pay for a plane ticket and hotel accommodation just to simply handle this request. 

I feel misled by Wells Fargo 's representatives and now my account has been completely zeroed out by the thieves with nothing returned back to me.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent a address fraud on their platform, leaving my account vulnerable and unprotected, Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements 49 under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

See complaint XXXX XXXX XXXX XXXX has added a collection claim to XXXX XXXX XXXX credit report rather than responding to the validity of the debt as request in the subject complaint. This behavior is predatory and unjustified. 

The validity of the debt has been challenged with XXXX as well as XXXX and XXXX XXXX and was previously removed by them except for XXXX XXXX who have not responded
Product: Debt collection

XX/XX/XXXX - Mailed an 11-Point Affidavit titled " Conditional Acceptance of Debt Upon Proof of Debt Validation '' regarding account number XXXX via Notary Presentment/Certification of Mailing ( c/o XXXX XXXX XXXX / Minnesota Notary Public, sent Registered Mail # XXXX ) to XXXX XXXX c/o Navy Federal Credit Union at XXXX XXXX XXXX XXXX, XXXX, VA XXXX which was never responded to. Additionally, an agent/representative of Navy Federal Credit Union subsequently updated and " verified '' the information regarding the same account which is currently still being reported to all 3 major credit reporting agencies ( XXXX, XXXX, and XXXX XXXX with failure to provide proof of method of verification. [ Attached ]  Previously, on XX/XX/XXXX, XXXX XXXX d/b/a Navy Federal Credit Union was mailed an Affidavit of Notary Presentment, Notice and Demand for Complete Audit Trail ( Jurat ), as well as a Non-Negotiable Notice of Adequate Assurance of Due Performance via USPS Certified Mail Number XXXX which contained a pre-filled Affidavit that was never completed, witnessed by a Notary, and returned. [ Attached ] One month later on XX/XX/XXXX, a Certification of Non-Response/Non-Performance was sent to XXXX XXXX d/b/a Navy Federal Credit Union via USPS Certified Mail Number XXXX. [ Attached ]
Product: Credit reporting or other personal consumer reports

Subject : Request for 1099-C for Canceled Debt I am requesting a 1099-C ( Cancellation of Debt ) form for an account that was charged off. The Discover Bank account in question was written off as uncollectible, but I have not received the 1099-C form, which I need for tax purposes and to address an ongoing legal issue. 

Account Information : The Discover Bank account was charged off and written off as of XX/XX/year>. The balance at the time of charge-off was approximately {$5100.00} Actions Taken : I have reviewed my records and confirmed that I did not receive the 1099-C form from the creditor. I am currently involved in a third-party lawsuit related to this account and require the 1099-C for tax reporting and legal purposes.I request that the 1099-C be provided as soon as possible so I can address the legal and financial implications of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting that on XX/XX/2018, XX/XX/2018, & XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.
Product: Consumer Loan

I applied for an installment loan through discover bank. My credit worthiness was the reason for the denial of the loan. I have credit over XXXX and have even been mailed approval letters from Discover as well. I am disputing the fact that discover has denied my installment loan and would like a further explanation in their approval process as it is misleading in their advertisements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my first dispute to transunion in Mid XXXX along with proper documentation supporting the correct balance of my XXXX XXXX account has been paid and has a zero balance. Transunion sent me my investigation results showing my balance is zero with file number XXXX on XX/XX/XXXX then on XX/XX/XXXX they put the balance back at XXXX for this XXXX account. I keep going back and forth with them and nothing is being resolved. I do not have this issue with XXXX or XXXX, transunion is the only credit bureau failing to report the correct information.
Product: Mortgage

My current mortgage company - Wells Fargo will not allow me to modify the loan. The loan originally did not have an escrow account but was an adjustable loan. The now has an escrow account and still has an adjustable interest rate. I was told it was a fixed loan. Also, the Wells Fargo does not report to the credit bureau to show timely payments. Also, I was told I could modify the loan after a certain period, but now I am told that modification is not an option.
Product: Student loan

This complaint is regarding the poor service that I 've had with Navient as my loan servicer. 
1 ) I was encouraged to opt for forbearance on my student loan instead of IBR for several ( 10+ ) years when I was unable to pay my monthly loan payments. My total student loan debt, as a result, has skyrocketed and now I can barely manage my IBR payments. 
2 ) As a XXXX, I should have been allowed to enter into the Public Service Forgiveness program when I asked about it over XXXX years ago. Instead, when I inquired about it, I was told they do n't do that and that even if I did use another lender to do it, I 'd have to claim any portion that was paid off as income and pay tax on it.
Product: Mortgage

XX/XX/2016 I experienced financial hardship. I applied for a modification. Since then now I have been denied because of the time lapse according to guidelines. 

Its not my faught that time has lapse from the initial time. 

I am furious that I am a mortgage professional and licensed now with a new career which helps me to hold down my responsibilities. 

The denial states my hardship will never end. Thats very unfair personally injury to me.
Product: Credit card

On XX/XX/23 - I transferred XXXX Capital One points/miles to my XXXX XXXX XXXX account XXXX 

On XX/XX/23 - I receive a call from Capital One 's Fraud department stating there was a fraud alert on my account. I was asked to submit a copy of my driver 's license to clear up the fraud alert. 

The night of XX/XX/23 - I submit a copy of my Driver 's license to Capital One 's portal. 

The morning of XX/XX/23 - I received a call from Capital One 's fraud department asking if the points/miles transfer I made was legitimate. I stated it was legitimate. The representative stated my account was now unlocked and the points transfer has been released. 

The points have still not shown up to my XXXX XXXX XXXX account. XXXX XX/XX/23, I did a test transfer with my XXXX XXXX points to XXXX XXXX XXXX and the points went through minutes after I initiated a transfer. This is clearly a Capital One issue. 

After numerous calls back and forth, Capital One has done nothing to help me except telling me I need to wait 10-12 days for a supervisor 's review. I need to book award tickets as soon as possible with those points. The longer I wait, the more likely those award tickets will no longer be available or be priced drastically higher than when I initially made the decision to transfer my points. Capital One clearly has unfair and deceptive practices when it comes to using our hard-earned points.
Product: Money transfer, virtual currency, or money service

They said they made my account a business card and I couldn't get my cash back. I thought it was normal until a family member told me. They changed it but would reimburse me. Also charged me twice when I got cash from atms. XXXX is stealing from their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX company is reporting the same account on my credit reports and increasing my debts owed falsely. It was removed once and reinserted without any type of letter or information mailed to me stating so. Incorrect information can not be lawfully reported. The information is incorrect, the amount is incorrect, the information listed does not match my name or address. I have disputed it with the credit bureau repeatedly to no avail.