23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XXXX XXXX has offered me no reasonable options to make payments. I have hundreds in other bills to pay each month, I work part-time and I can't even live on my own or support myself because XXXX XXXX is a black cloud over my life.

My grandmother and I spent over an hour on the phone with a " customer service '' employee, a female, who realized that we both had a deficit when it came to our monthly income and bills each month after a financial examination. That being a reality, I still was not offered a reasonable option to begin payments. I was told that I " have the money '' .. even though I was in a deficit.

It is absolutely crazy how this company would rather drive people to insanity and depression instead of doing all they can to make payments affordable. To really ask if a co-signer, almost XXXX years old, would be " seeking full time work '' in order to help me pay the ridiculous amount is crazy.

I'm not sure what can be done, but the truth about XXXX XXXX and the type of greedy business they run needs to be brought to light, and the lawsuits currently against there shed light on how unreasonable this company is.
Product: Credit card or prepaid card

I purchased US Bank prepaid Mastercards # XXXX, XXXX and XXXX with initial value of {$200.00} in XXXX XXXX. I opened packages with these cards in XXXX XXXX and discovered that money has already been stolen from these cards in XXXX XXXX! I submitted a dispute form to the bank, however they responded that it has been more than 120 days since fraudulent transactions were charged to my cards therefore they cant help me and I need to contact the merchant. I contacted one of merchants ( XXXX ), they found these transactions and said that money have been transferred to a fraudulent XXXX account. They suspended that account, but according to XXXX they can refund money only when they receive appropriate paperwork from my bank. However, the bank is not willing to help me to return my money because it has been more than 120 days.
Product: Mortgage

My mortgage is being serviced through Seterus Inc . They have reported to the credit reporting agencies as a Chapter XXXX bankruptcy. I am not in bankruptcy and have never been late. My husband and I work in the XXXX and can loose our jobs for poor credit and bankruptcy. I called seterus and they told me that it was a debtor mismatch and it would be corrected. I received a letter from them on XXXX XXXX stating it has been corrected. As of my new credit report is it still showing chapter XXXX and now they have the loan as closed/no balance. I have called XXXX XXXX ( the Seterus rep that sent me a letter ) and she will not return my calls. My credit score has dropped over XXXX points in their reporting error and I can not get any help in correcting. My livelihood is at risk, we ca n't move to a new house and I ca n't re-fi my mortgage to get away from them due to their error.
Product: Checking or savings account

A chargeback was filed on XX/XX/XXXX for a item that was never received. Key bank reversed the chargeback XX/XX/XXXX. Keybank claims they sent paperwork that I never received. They refuse to give me any information about the dates of their investigation, what their investigation entailed, whether or not they spoke with the other party. I have requested call backs from a disputes department three times and never heard back. Keybank had 6 months with which to completed their investigation and they ran out the clock in order to reverse my chargeback request and take my money. The charge was fraudulent, they have no grounds with which to do this.
Product: Credit card or prepaid card

On XX/XX/XXXX I received an email from Capital One telling me that I was pre-selected for a new card with a {$1500.00} limit. In the email, it told me to start the " pre-approval '' process which I did. After entering all of my information, I got a response back stating I was pre-approved for the XXXX ( which I already have ) or the Venture for {$1500.00}. I chose XXXX, then it asked me to accept offers which I did. A few days later someone called me to confirm it was me who did the application before they completed it. I told them I did. Then they came back and informed me that I was approved for a {$500.00} platinum card. I already have a Capital One card and was only accepting the offer for a better card with a higher limit. This was not what I was told I was approved for when I selected the offer. At this point, the inquiry alone cost me 8 points.
Product: Credit reporting or other personal consumer reports

Account was opened up as a result of identity theft and was not investigated properly. Submitted multiple police and ftc reports to credit bureaus. Never signed any contract with company or had any account with them XXXX XXXX XXXX XXXX  XXXX # XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding inaccurate items on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. In some cases they have even updated the accounts as verified but can produce to proof of how the came to this conclusion. I request immediate investigation and removal of the items I have listed below as it is incorrect and does not reflect my true credit history. 

XXXX XXXX XXXX XXXX XXXX of {$390.00} XXXX XXXX XXXX Balance of {$970.00} XXXX XXXX XXXX Balance of {$6600.00} XXXX XXXX XXXX XXXX of {$8700.00} None of these accounts list full or partial account numbers on my credit report when I view it online.
Product: Mortgage

I had a second mortgage with XXXX which sold the loan to US Bank and then was managed by Shellpoint mtg. I paid the loan off XXXX. When I tried to refinance, the lawyer doing the title search found that the release of the deed of trust was not done properly. I filed a complaint with you against Shellpoint mtg but they STILL did not get it right. The lawyer, XXXX XXXX, has e-mailed US Bank and they refuse to answer her e-mail. Until US Bank does a proper deed release I ca n't refinance or sell my home. If they have the authority to put a lien on my property, they should be made to release it properly when paid in full. This situation is ridiculous. XXXX is saying they released it properly but the lawyer is saying US Bank either needs to release the deed themselves or give XXXX mtg power of attorney saying they had the authority to release the deed of trust.
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 Experian and XXXX must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$8900.00} ; XXXX XXXX XXXX XXXX  Balance : {$9100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes ( XX/XX/2021 ), Experian has failed to respond. They have violated the FCRA, it has been more than 30-days. Please see the enclosed document
Product: Credit reporting or other personal consumer reports

I have been a XXXX customer over almost 2 decades and have NEVER paid my credit card late. Last year in XX/XX/XXXXXXXX  I made a purchase and thought I had made the payment immediately after on the website. For whatever reason the payment did not go through and i was completely unaware. Despite updating my email address years earlier, alerts of this bill ( I think it was something like {$100.00} ) was sent to an OLD email address. There was also an issue with my online account, apparently there were two accounts and the old and new had not merged. Nevertheless, the amount was not showing up. I was also in the middle of a high conflict divorce involving XXXX  XXXX and my ex husband had stolen mail from my mailboz and then forwarded all of my/our mail to another address so I did not get any of my mail for months. I was also dealing with health issues in addition to the high level of stress. When I was finally able to start receiving my mail it again, it was now past the XX/XX/XXXX due date and I was completely horrified since I knew good credit would be vital for me to finaicially survive this divorce. I called, emailed and chatted with XXXX reps until my face was blue but they refused to hear me and reported it to the credit bureaus, ruining my credit. I disputed it with the credit bureaus and XXXX took it off but the other 2 left it on. It is literally the ONLY negative item on my credit. Months later I am now divorced and trying to qualify for a loan and this is literally the ONLY negative item that is preventing approval. I called again today ( XX/XX/XXXX ) and explained the situation, urging them to see that I have never, before or after this event been late on any payments but they refused again to remove it. That is was an error on thier websites end followed by unfortunate circumstances tha prevented me from getting mail. It is unfair and false to say that I was just 60 days late, I have always paid on time and had every intention of doing so. I am sure thier electronic records show an attempted payment the same day I made the purchase and have no idea why it didnt go through or why my email did not update despite me tryign to update it many times ( there was a prompt when I signed in and I guess every time it failed to update ). I need this 60 day late item taken off of my account ASAP ... my entire life is literally on hold because of this issue.
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration with the dispute process regarding item on my credit report and I want to dispute this fraudulent information. Despite my diligent efforts to provide valid documentation such as the required FTC report, supporting my position, it seems that my message is not being properly received by your bureau. Let me be clear : I am the one initiating these disputes under my name. The item in question is unfamiliar to me and the documents I have submitted are authentic and registered with the appropriate agencies, corroborating my stance. I insist that the record be rectified. It is important to note that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove this fraudulent account, you are not fulfilling this obligation and are exposing me to further harm. 

XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I entered into an agreement on XX/XX/24 with uprova credit and the interest rate was not disclosed until the documents were signed. Im a resident of Illinois and the interest rate is 334 % which violates the Illinois cap rate on interest of 36 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom Concerned : I've tried to correct a bogus address on my FICO credit score numerous times thru the XXXX XXXX XXXX agency reporting system. They consistently state I need to contact some lender however never state who nor do I know the origination of how the address became attached to my account. I've lived at the same address for over 40 years however they wont get off the dead XXXX 's and help correct the problem. I believe they have an out right obligation by law to do so as quickly as possible with out hesitation however they fail too react until I complain to the FTC as I have before regarding inaccuracies. Please help me get the message across when a consumer identifies an issue its their obligation not mine to correct it. I look forward to your prompt return response and full resolution regarding this issue. I'm also requesting to be provided my free full and accurate annual credit reporting score. 
Respectfully XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I currently have a card with Milestone and am facing reduced hours due to the XXXX  time. 
I am requesting a postpone due date till XXXX and with no affect on my credit reports.
Product: Mortgage

I purchased a home from CitiMortgage through XXXX XXXX XX/XX/XXXX. Unbenowst to me, the person that rysar had me working with to get a loan from citimortgage had been recently released from federal prison XX/XX/XXXX. I worked with him, one on one in XX/XX/XXXX. CitiMortgage is forcing me into foreclosure so that I can go away and not file a lawsuit against them. I have found out that the deed had not been in my name for over 8 years, there was a {$60000.00}, XX/XX/XXXX lien on the home that was just recently cleared up.
Product: Student loan

My loans are serviced by Navient. They contact me relentlessly, and in a harassing manner on a daily basis. I have asked repeatedly about the CARES act and forbearance due to same. I am told that it does not apply to me, and put on a regular forbearance instead. My loan was " prior to 2010, so it isn't owned by the Department of Education. '' I don't understand that, and she couldn't explain it to where I could. She threatened me with credit reporting and ongoing late fees, etc. She talked me into another forbearance, because I wouldn't qualify for any " forgiveness '' that may happen. 

I don't understand why, if my loans are not owned by the Department of Education, they were not discharged in my bankruptcy i. I don't understand why they call me several times a day! It is frustrating and I am not sure what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I scheduled direct mortgage payments from my checking account to Fifth Third Bank. They have all of my checking account information, and can access funds directly. Fifth Third Bank neglected to inform me of changes to my mortgage, and didn't process my mortgage payments due to these changes. 
I was eventually made aware of the problem by a third party credit monitoring service, XXXX, who texted me that my credit score had dropped by 156 points for a delinquent account with Fifth Third bank. Again, Fifth Third NEVER indicated that there was a problem with my account. They claim that they sent a notice via USPS, but I never received it. Instead of reaching out to me via email, text or phone, they allowed my account to be delinquent for 3 MONTHS, and instead reported me to the credit bureaus, without ever contacting me and giving me the common courtesy of letting me know what was going on. As soon as I found out about the issue, I called 5/3 and initiated a transfer of funds to pay all outstanding balances. They are currently paid in full. I asked them to fix the problem with the credit reporting and they refused. 

I want Fifth Third to retract their complaints against me with the credit bureaus. I had a credit score over 800, which required serious commitment and diligence on my part. There was more than sufficient funds in my checking account to cover the payments due and I am available all day to respond to texts and phone calls if there are any issues. 
Fifth Third justified destroying my credit score based their lack of communication with me regarding the status of my account. It's inexcusable.
Product: Debt collection

There ar e   XXXX   a ccounts left with Central Financial Control.  XXXX  for  XXXX  and   XXXX  f or  XXXX .     I was in the hospital   XXXX   XXXX   to my eldest son when these debts would have occurred. Being a  military  wife, and my son being the son of  a service member,  was covered under  XXXX . I was admitted under emergency circumstances and did not know the   XXXX   information. My husband had to get off work ( still in his  military uniform )  to come to the hospital. It was clear we were  military and  were not ask for our billing information again until we left, which we left our  XXXX  information with the lady that came in as we were packing up to leave.     We never received a bill from the hospital.     When I contacted Central Financial Control about a bill for {$1000 .00} ( approx ), it was   deleted. BUT the company NEVER said why in the letter. I had to call to which a representative spent abo ut 15 minute s having to read to find out why.     It was deleted because NO ONE ATTEMPTED TO SUBMIT TO MY INSURANCE.     I thought ok, well it is now almost 6 years past the time and I can not resubmit as my husband is now no longer  XXXX   XXXX , that should mean the oth er   XXXX   accou nts ( {$70.00} and {$8200. 00} ) should bot h also be deleted.     I got a letter back today stating that I still owe and that no informatoin was provided. It w as a military town,  every nurse in my  XXXX  room saw my husband and I have photos to prove it. I have NO PROBLEM sending my husband  's military records to prove we had insurance at the time.      Furthermore, i f one bill had never been attempted to be submitted, why would the other   XXXX   have been?      It is not my fault if the billing agent at the time of my discharge did not file the paperwork my husband filled out and thus properly charged  XXXX .
Product: Mortgage

This is my second complaint I am filing with the CFPB against Wells Fargo related to the current CFPB fine and settlement regarding denying Wells Fargo mortgage customers loan modifications and the financial harm and repercussions thus associated. 

Wells Fargo closed my first CFPB complaint saying they now need the following four items per a XXXX   delivered letter I received in the mail from XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX. Please provide the complete customer name on the account. 
XXXX. Please provide the complete account number. 
XXXX. The recorded Security Instrument and all assignments. 
XXXX. Copy of the complete credit report about the open lien. 

I called and spoke with XXXX on Tuesday, XX/XX/2023 at ( XXXX ) XXXX and she gave me the run around saying once again that based on my Name, Property Address of the Mortgage and SSN Wells Fargo could not find my account because it has been purged. She then said I would need a copy of the Deed of Trust, Security Instrument and Credit Report so they could locate my account. 

The following day I paid for a copy of the Deed of Trust notating my Account Number and Security Instrument number. I also pulled my Credit Report. 

This morning, Thursday, XX/XX/XXXX I called XXXX XXXX to provide her again with my Complete Customer Name on the Account and all other requested information. She said I would need to mail or fax them, she does not accept email. In fact her entire department does not accept email from outside of Wells Fargo. 

So, I went ahead and paid money out of pocket to fax her the documents at her confirmed fax number ( XXXX ) XXXX this morning. I asked when I would hear back and she said once the Deed of Trust was received, she would open a new investigation and it would most likely be assigned to a new case XXXX. 

So, once again I am bearing the burden of proof and given the complete run around as to proving I indeed had a mortgage account with Wells Fargo and qualify for the settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one is displaying a credit card on my credit report for over {$1800.00} this account does not belong to me.
Product: Credit reporting or other personal consumer reports

I have sent XXXX Letters to Experian on XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. I included my personal identified information to validate that I was the sender of each of these letters, including my photo ID with current address, current copy of my life insurance policy with my current address and a current energy bill with my address. I requested in each letter that they look into each and every instance on all credit card accounts open and closed where a late payment was reported to confirm how they verified those accounts as I believe each and everyone of them is inaccurate and I requested that they update each one to reflect as never late and paid as agreed. 

I informed them according to the law, they and the data furnishers must certify all aspects of the required FCRA and XXXX XXXX compliance. This must be done in a truthful, correct, complete, and timely manner as to not violate my consumer and civil rights. 

On each response to these 4 letters, I received an automated response from Experian stating they believe the request was fraudulent and would not be acting on my request even after informing them on my 2nd, 3rd and 4th letter that they are in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits and If they don't process my letters, they are violating my rights as a consumer. I will consider this to be an intentional disregard of my rights, and I will contact my lawyer to take legal action. 

They have not done their investigation and are in violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning XXXX/XXXX/XXXX, and subsequently on XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX, I mailed notarized and certified handwritten letters to the 3 Credit Bureaus. Requesting verifiable proof of the following accounts on my credit reports. Acct # XXXX, reported by XXXX XXXX, unverified late payment. Another Acct # XXXX, reported by XXXX XXXX, unverified late payment, and Acct # XXXX, reported by XXXX, unverified late payment. For 3 months now I have been disputing these items. However, they have failed to provide me with ANY physical documentation or verifiable proof that I requested under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Nor the method of verification as required under Section 611 ( a ) ( 7 ). Otherwise, anyone could electronically respond with a fraudulent account resulting in an inaccurate credit reporting. 

XXXX and XXXX continues to violate the Fair Credit Reporting Act, failing to provide the verifiable proof I am requesting. Instead, they ask that I submit another dispute only to stall and delay for another 30 days to only reply that the inaccurate information was verified. Equifax, however, will not even respond. I called Equifax and they informed me that they were responding through email with the results of their investigation. The problem with this is that I 've never given them an email or corresponded with them through email. So who knows where they are sending my personal information. Even after bringing this to their attention and asking that they only contact me through mail, they continue to communicate through emails that I am not even aware of. I 'm requesting EquifaxXXXX XXXX and XXXX to promptly remove the inaccurate and derogatory information on my credit report under Section 611 ( a ) ( 5 ) of the FCRA since after almost 90 days, they have been unable to provide me any verifiable proof. 

For example, on my credit report, XXXX shows that I am current on all payments and one month later I am 90 days late? Yet, the credit bureaus have done nothing to help resolve these issues. Instead, they have been using third party electronic systems to send an automatic response that things like this are verified. 

Due to their neglect and unwillingness to resolve this matter, I have suffered financially by not being able to obtain credit, and has caused strain on my relationship with financial institutions and mental anguish. I am requesting a settlement of {$1000.00} for each of the accounts that each Bureau has reported deliberately and incorrectly and that they immediately removing and correcting all items within my credit report that they have not veried through physical verification and method of verification in accordance to the FCRA.