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

On or around XXXX XXXX, XXXX, I contacted XXXX and Experian in regards to unauthorized inquiries on my credit report. I was advised by both bureaus that I would have to reach out to the reporting creditor and request that they submit the corrections and i could also submit documentation from the creditor validating my complaint. That same day I called XXXX XXXX XXXX  and advised them that the inquiries in question where unauthorized.XXXX did not hesitate to submit a request to the credit bureaus for correction. They also mailed me a letter to confirm they had made the necessary corrections and advised to allow up to 30-60 days or so for the corrections to be updated on the impacted credit report. Upon receiving the letters from XXXX, On, XXXX XXXX, XXXX, I submitted them to XXXX and Experian for review and correction and I waited. On or around XXXX XXXX, XXXX, I contacted the bureaus again after not receiving any documentation or corrected copies of my dispute. I was advised that no dispute had been submitted from myself or XXXX. I advised that I faxed the information to the number given on the previous call and I included proof from XXXX  After going back and forth, I contacted XXXX again and advised of my conversation with the bureaus and how they advised that no correction had been received. XXXX ensured that they had in fact submitted the correction and assured they would submit it again. Once again they mailed me another letter confirming this process and advised that they would escalate my concern. To date neither bureau has replied. Nor have the corrections been made. This is a direct violation of my rights to have correct/factual information reported. The inquiries are listed below : XXXX XXXX XXXX/XXXX XXXX/XXXX/XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX/XXXX/XXXX ( XXXX ) XXXX XXXX XXXX/XXXX XXXX/XXXX/XXXX ( Experian )
Product: Student loan

I sent a large payment on XX/XX/XXXX to pay off XXXX of my loans, and the payment has not been posted over 3 months later. The money was taken from my bank, and I received a confirmation email, but MOHELA has not processed the payment or applied it to my loans. I want to keep paying off my loans but I am concerned that these payments are not being processed. 

I contacted MOHELA through their message center on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but their replies were auto generated and did not help with my payment processing. I also submitted a complaint on the Consumer Financial Protection Bureau in XXXX, but after 2 months MOHELA simply replied that they were still looking into the issue. 

I am deeply concerned about my money being missing and not being applied to my account.
Product: Payday loan, title loan, or personal loan

I received a live check from Keystone Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX and took the check to get cashed and they caajed it a few days later they called the check was returned to the place that had cashed it and said that within the time I received the check and between cashing the check my XXXX  score had dropped that I wasn't supposed to have cashed it then a few days went by and now they are telling the place that cashed the check for me to call the police and report me to bring charges against me for cashing the check they refused to cash it for the place that cashed for me and therefor they have dishonored their contract thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed information on 3 different collections on my Equifax Credit Report. I have contacted all 3 accounts to verify the collections and all 3 of them stated there was no record of the accounts in my name. 
First account is XXXX  / XXXX XXXX for {$360.00} The second is XXXX XXXX XXXX for {$30.00} Third is the same as the second XXXX XXXX XXXX for XXXX.. 
I disputed the accounts and asked Equifax to remove the accounts or verify and provide me proof that they are mine ... I haven't received any proof and they remain on my report ... I personally called each collection and was told they are no record of the account..I would like Equifax to do there job correctly and remove the collection accounts or show me proof that the accounts are mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In  XXXX , after Hurricane  XXXX  I applied for and granted a forbearance ( Disaster Relief ) by  XXXX . As stated in prior complaints this company is very deceptive, I have been notified by  XXXX  credit reporting agencies that my payments for the three months for forbearance are now being reported as 90 days late. This has tremendously brought down m y credit score. I sp oke with the Ombudsman from  XXXX  who assured me, as well as apologized  XXXX  times. That my credit would in no way be effected, these payments would go on the end of my loan. However, this is not the case. It has also been reported that they were late payments made in  XXXX  and  XXXX  that are not true,  XXXX  said these should have been removed in  XXXX . Looks like that was another lie. I am suffering from  XXXX   XXXX  and the undue  XXXX  of their practices is wearing on me. I think  XXXX  needs to understand everyone is not going to stand for their bad practices.     I would like this resolved ASAP, as I look for another mortgage company to service my needs.
Product: Payday loan, title loan, personal loan, or advance loan

I received a text message on XX/XX/year> early in the morning that a personal loan for {$8000.00} had been approved. I noticed the text at about XXXX and immediately called the bank because I HAD NOT applied for a loan. I told the agent to cancel the loan and was told it had already been funded. I said I would send the check back to the bank, and was told the money would be directly deposited in my account which happened before XXXX that same day. I was transferred to the fraud department and an investigation was started. On Tuesday XX/XX/year>, I called to find out any progress and was told the investigation is still in progress. The agent asked my permission to pay the first payment explaining that any amounts paid including interest would be refunded should the loan be determined to be fraudulent. I absolutely refused and was transferred to a XXXX. He told me the same thing, and I again refused. I did not request a loan, didn't digital sign any documents, and will not pay any portion of a loan I did not request. I have heard nothing else from USAA. They did inform me the loan application was completed online. However, they have not informed me the IP address of origination, dates nor times, nor explained how my account PIN ( not debit PIN ) had been accessed. I need help finding out what USAA is doing about this and especially how a loan was approved without any phone contact to me beforehand. With two-authentication identification, this should not happen. Except that USAA provides a third option ( besides phone or email ) by getting a code from the mobile app. USAA 's biometric option ( finger print identification ) for the app is not working and has not worked for over a month. So, using the PIN, a hacker can hack the phone, have access to the mobile app, get a code, and have access to MY account WITHOUT me being notified. I am convinced this is an inside stunt perpetrated by a USAA employee.
Product: Credit reporting or other personal consumer reports

I acknowledge your efforts in addressing some fraudulent entries in my file stemming from purported fraudulent activity, yet there remain items that urgently need removal. As a victim of fraud, I hereby request again the deletion of items from my credit file, which arose from said fraudulent activity. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), you are mandated to expunge any such items no later than 4 business days following XX/XX/XXXX. This issue was previously highlighted in an FTC report and complaint, and I am referencing it once more with the new FTC Report # XXXX. Additionally, the details associated with these items are unfamiliar to me and have been eliminated by other bureaus, casting doubt on their preciseness. This complaint serves as a notice that failure to remove the specified items from my reports may compel me to initiate legal action. My attorney has been informed of my intentions and stands ready to pursue accountability for any deliberate non-compliance. This message constitutes my latest notice to you, requesting the removal of items linked to alleged fraudulent activity : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$6500.00} -- -- -- -- -- EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX -- -- -- -- XXXX : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( Original creditor XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$21000.00} XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX ) XXXX {$6500.00} XXXX XXXX XXXX XXXX, XXXX
Product: Debt collection

XX/XX/2021 I mailed letters to XXXX, XXXX, and XXXX Also, the collection companies XXXX XXXX XXXX, Capio, and XXXX XXXX XXXX for the violations of the HIPPA Law and Privacy Act. I requested validation and a written consent to release any medical information. Also, any written consent to even put these accounts on my consumer reports. I have not received any response back from the Collection Companies the accounts and its been over 30 plus days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Hard credit inquiry on my credit Report.
Product: Mortgage

world savings bank / Wachovia bank / wells fargo bank mortgages XXXX texas usa fradulent forclosure /cahoots magistrate judge XXXX florida usa cfpb 39 case complaints against wells fargo bank mortgages for stealing my penshion home in florida usa CFPB with all the changes you have made from the start XX/XX/XXXX no missed paymant acount in credit over 50 % equity in home mortgage XXXX home value XXXX corupt final judgemant XX/XX/XXXX sold 3times within 1 week seen days and increased another XXXX XXXX court steps? the bank and athird party i had this home built in XX/XX/XXXX until XX/XX/XXXX pad my taxes paid my insurances and added to the american system but you picked me out because i was a foriegn national /english subject and when the banks were in dire straights you pick on us XXXX because we were not entitled to the usa govermant protection housing /etc this was a blatent way to recollect on mortgages with over 40 % equity in the property most americans were under water with the propertys no forclosures ther? please read my file of cases all the proof is there this was adeliberate act to deceive all payments cashed by wells fargo mortgages acount in credit un cashed insurance check why have you not prosecuted this fraudulent bank and put the person responsable for the fraud in jail thanks XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion  paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Product: Credit card

Out of curiosity, I contacted XXXX on XXXX/XXXX/2014 after answering a make money quick scheme type of post on XXXX. I left my information and was quickly contacted by a representative. I was told about the opportunity to make money with their proven system. I was sweet talked and after a few minutes I asked what the investment was and was told it was XXXX+. I thought it was way too much, and then I told them that I could not afford this since I had no money for this investment. I then was told that if I paid it I would have three days to cancel the program, and was told that they would help me get a credit card from Discover to cover the cost. I was given a number to call a Discover rep and was given XXXX+ in credit and then I went ahead and made the investment since I had a 3 day period to test and see if it was worth the investment. I was told that I would receive a call a day or two from the date of the contract and received a call from one of their expert instructors who was going to give me a coaching lesson on how to set up and XXXX account. I told the person that I already knew how to do this and then discovered that I was just going to be overcharged on a dropshipping business that I could set up myself. I called and tried canceling. I was told that all I had to do was call them and cancel and they would do that for me but they refused. I then emailed them and tried cancelling and the same. I tried canceling the service since it was just instructions about making an online business with XXXX via drop shippers. I contacted Discover cards and disputed a fraudulent activity from XXXX. After, Discover made a supposed investigation, they came back to ma and told me that the information provide by the merchant was accurate. Then they reevaluated my credit and said they that my credit was now a XXXX from the intial XXXX+ they had given me when I first contacted them via XXXX. Today, I am paying back the negative debt that Discover unfairly and fraudulently buried me in. I strongly believe that Discover has a direct deal with XXXX and they are a very shady company that does not take into account the consumer. I sent all the proof of the fraudulent activity from the vendor and I think it was ignored or not even looked at carefully and I would like to contest Discover on this and have the credit put back into the card and be compensated for what I have paid so far. Please advise
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had an address for me in California. 
XXXX had my birth year off by 5 years. 
XXXX  has an alias of XXXX XXXX. 
Someone had an address for me in XXXX  and XXXX. 

Incorrect payment history for XXXX across all credit bureaus. XXXX has stated 4 times to CFPB that everything is accurate. 
XXXX mortgage account number XXXX Are you mixing my account up with another XXXX? 
Is XXXX mixing my account with someone else and thats why they claim reporting is accurate? 

There are many inquiries that I have no idea where they came from. I have spent the last year contacting every creditor that has an inquiry and none of them will give me any information on why they authorized access to my credit report. The credit bureaus and creditors play tennis back and forth blaming each other.
Product: Credit reporting, credit repair services, or other personal consumer reports

If you feel there is a possibility these addresses belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the addresses is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
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: Checking or savings account

Credit karma put a hold on my account claiming a special department was doing a routine investigation and it could take up to XXXX business days to complete. In this time I will not be able to access my funds. Mine and my husbands payroll just hit and theres over XXXX dollars sitting. When i asked to speak to a supervisor I was told they had better things to do. They said there is no phone number to contact the department they would have to send an email. I said whats the email and they said they could not give that to me. I asked what the managers name was and he said it was XXXX. I asked for his employee number and he refused to give it to me. He then hung up on me. I tried to chat via live chat and had a similar experience.
Product: Mortgage

IN   XXXX  , WE WERE HAVING DIFFICULTY PAYING OUR MORTGAGE. WE WERE TRYING TO LOWER OUR MORTGAGE AND THE COMPANY REFUSED TO DO SO AND IN THE PROCESS WE HAD TO DO A LOAN MODIFICATION TO LOWER OUR MONTHY PAYMENT. THE PAYMENT WAS DROPPPED AFTER THE MODIFICATION BECAUSE WE WERE I N ARREAS FOR ( 8 ) MONTH S, THE COMPANY ADD THE ARREAR TO THE BACK END OF OUR MORTGAGE AND WE WERE TOLD THAT WE DID NOT HAVE TO PAID THE ARREAS UNLESS WE SELL THE HOUSE. THIS IS OUR ONLY HOME AND ONCE WE DID THE MODIFICATION THE MORTGAGE COMPANY GIV E US A BALLON M ORTGAGE INSTEAD OF A FIX MORTGAGE AND IT IS A ( 40 YEARS ) MORTGAGE. MY HOME IS NOW DUE FOR A REFINANCE AND WE WENT TO THE BANK TO DO SO BUT UNFORTUNATELY, WE WERE UNABLE TO. THE MORTGAGE COMPANY TOLD US THAT THEY HAVE TO ADD THE ARREAR BACK ON THE LOAN BUT THIS IS NOT WHAT WE WERE TOLD NOW WE ARE STUCK AND DO NOT KNOW WHAT TO DO. PLEASE HE LP US!
Product: Credit reporting

I have contacted all three credit reporting companies, because I received a letter from XXXX XXXX XXXX ( who claimed to have bought a debt relating to me from a third party ). I have continuously stated that this debt is not mine both to XXXX and to the credit reporting agencies. XXXX 's letter notified me that the statute of limitation HAS EXPIRED, and they will contact the credit agencies to remove this debt from my credit report. However, the debt still remains on my report although the statute of limitation has expired. This debt was never mine to begin with, and I even went to court, and it was disposed of by the judge over 3-4 years ago because XXXX 's attorneys could n't offer any proof. 

If you take a look at my supporting documents ( my letter to the credit agency and XXXX 's letter to me - attached ), it is officially from XXXX ; however, the credit agencies " claim '' that when they contacted XXXX, that they were told that this debt is mine -- obviously because XXXX wants money, and rather than the credit agencies doing their jobs, in terms of accuracy, they are failing to do so and being ignorant of my side of the story. 

This debt is not mine, and the credit agencies need to read the official letter sent to me by XXXX. This is harassment on the part of XXXX if they are indeed stating this debt is accurate, when their own letter states that the statute of limitation has expired and even went further to state that they will contact the credit agencies to remove. 

Please assist in getting this " inaccurate '' and " expired SOL '' information from XXXX off my credit report. 

Many thanks, XXXX
Product: Student loan

Navient calls every day threatening severe action unless I call this XXXX guy back. XXXX the number he calls from and number he leaves me to call are bogus numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00} XXXX XXXX XXXX XXXX XXXX : {$9100.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00} XXXX XXXX XXXX XXXX XXXX : {$9100.00} XXXX XXXX  XXXX Balance : {$0.00}
Product: Bank account or service

Around the holidays of 2015, I received a postcard in the mail from citibank. The advertised promotional offer XXXX, stated that if I opened a citigold account, use the debit card to make {$1000.00} dollars in purchases and use my checking account to make XXXX qualifying bill payments, I would be rewarded XXXX XXXX XXXX Advantage XXXX. I used the online chat function to confirm the promotion was for my account and the stipulations I needed to make in order for the promotion to be valid ( please see screenshot attached of online chat ). I have since placed upwards to XXXX calls to citi confirming the offer was in fact linked to my checking account and to call back once I had finished these requirements. I have called back more times than I can count, and it seems that the staff gets just as frustrated with the situation as I do, although they have yet to credit my AAdvantage account and have sent me an email saying I do not qualify for this promotion I 'm not sure if citigroup over extended themselves with their offer, but they need to make it right. Causing a customer to call more than 10 times to have a problem resolves is absolutely absurd. They continue to tell me they 'll look into it, but never call back and do not find a resolution to the situation. The only correspondence I have received is from citi bank NOW saying I do not quality for this promotion and to provide the original postcard to them that I received nearly 10 months ago.
Product: Debt collection

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V.GRAVENS ( MO ) 281 SW 715, 719, I PRESUME THAT NO PROOF OF ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS.
Product: Credit card

On XXXX/XXXX/2015, I took a cash advance from a XXXX ATM for {$200.00}. But the ATM did not dispense the money. For TWO HOURS NOW, I have repeatedly called US BANK to put the amount in dispute. This is a simple dispute! I kept getting transfered, claiming they did know how to dispute it or it is against bank 's policy to dispute cash advances! I know this is a LIElThese are the following LOW BELL CRAWLERS who gave me a hard time! 
XXXX/I have to transfer you to my supervisorXXXX/ XXXX XXXX / XXXX XXXX/transfered to the fraud dept., where another XXXX answered and then disconnected meXXXX/I have to transfer you to another dept. 
XXXX/It is against bank policy to credit cash advabcesXXXX/I have transfer you to my supervisorTHESE ARE DELIBERATE STALL TACTICS TO KEEP ME FROM GETTING MY MONEY BACK! 
I want all of them fired, BECAUSE THEY LIED ANDI WANT US BANK HELD ACCOUNTABLE FOR THESE XXXX, XXXX, XXXX, BECAUSE THEY ARE UNAPOLOGETIC THIEVES! 
I want my money back plus all fees!