23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I requested a credit line increase, the reason why I did n't get one was, " We are unable to obtain your most recent monthly payment data from the credit reporting agency. '' Very unlikely reason since every time the wind blows, I get a alert about my credit report from them. Plus, it 's no where to be found on their reasons for denials.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX, XXXX and experian and they did not varify any of my disputes and my inquiries when I told them on XX/XX/2022 that I didnt authorize any of those inquiries it was fraud. And the disputes I have no knowledge they didnt send proof that anything was valid not even from the creditors.
Product: Student loan

I have several loans with Navient ( former XXXX XXXX ). I am so thankful to them for helping achieve my dreams of having a XXXX and XXXX XXXX XXXX. However, when I graduated college I could not find a job in my field. Even if I did I would still not be able to pay my over {$900.00} a month student loan repayment. My co-signer who was once a close uncle of mine, is now berated with calls because I can not pay my loans. 
When I was completely honest with the Customer of Advocacy Department they revealed that because my uncle makes enough money he can pay them, and there are no other options. These are not my uncles loans or responsibility. NOR WILL HE PAY THEM. My uncle is currently refusing to speak with me because he hates this situation I have put him in. He is retired, and trying to live out his life as much as possible. I asked what else could I do, I was told you do not have any other option but to pay the monthly amount or it will go to collections. When I ask how much the collection monthly payment would be they could not give me a direct answer. I understand that this is my doing, and my fault but there must be another way to help me. 
I am married, I have a house, I have a child, I am XXXX, and I work full time already, and I have to pay child care. I need to feed my family, and my uncle is not going to help me at all. I am on my own just like I was while going to school. I can not just stop my life to pay these student loans. It is not fair, and unjust.
Product: Credit card or prepaid card

I filed my Edd claim back in XXXX and around XXXX they sent me documents stating that I had to prove my identity before I could get paid so it took a while for them to confirm my identity they just confirmed my identity XXXX and I started getting paid for my claim from XXXX but I noticed I was missing slot of payments found out Bank of America issued a card and payments back in XXXX that I never received I dnt know were the card was sent but I was in the process of confirming my identity so shouldnt have no card been issued but now they dnt want to refund me because of time but when your in the process of identifying you cant get no information on the account so there is no way for me to know this so that I could report it I just got identified thats why Im just now reporting it they keep denying my claim like every 3 days I have turned in like 10 reconsiderations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximately a month ago I accepted an offer for a free trial of Experian XXXX XXXX from the Experian credit bureau. At the conclusion of the free trial I decided not to continue the service. Now, whenever I sign on to the Experian credit bureau 's website to access their free and legally mandated services and to review my credit report, it has me locked out of my account and demands payment for their subscription service. It offers no ability to contact anyone order confirm cancellation of the service and it has me completely locked out of my account and refuses to allow me to create another account with which to access my free credit report.
Product: Mortgage

I fell behind for XXXX and XXXX of XXXX. I called as there web site was too convoluted to get the payments caught up. What I was told on the phone with the agent, was to put in the XXXX plus dollars and it would be divided and put into, XXXX and XXXX. What really happened was they took the XXXX plus and then tried to take another XXXX on top of the XXXX which i did not authorize and my bank account bounced the XXXX. I immediately went to the bank to find out why I had a overdraft charge. That is when the bank told me about the XXXX after they took the XXXX. The bank told me that they made an unauthorized draft. They credit me back the overdraft. I was then told to contact them by phone. I tried and the phone system would not get me to a person. I stopped all payments and took back the XXXX. I contacted XXXX XXXX to find my next steps. In the mean time, I made my normal XXXX payment of {$1000.00}. There web site did not show the XXXX for a week. XXXX XXXX told me to call and make arrangements for the XXXX. I got through to an agent finally and recorded our call. I and the agent agreed that I could add XXXX to my regular payment and it would be put towards the XXXX till it was satisfied. The Law Firm sent them a letter telling them they made an ilegal draft and need to credit me that. They did not and they have not responded back to XXXX XXXX. At the same time, they keep sending letters of the XXXX being owed and to call them. As we agreed on the phone, I sent to them a bank check for {$1500.00}. I put on there web site, cancel bank drafts. What I got in the mail was I now owe them, XXXX and they did not put the XXXX towards that dept. What they have done is try to take money out of my bank again, even though I cancelled and sent them a check. I have copies of there web site, recording of my call to them, and emails with letters all certified mail. I sent letters and I keep getting letters of dept owed, to call them and all without them honoring anything I have tried to do to remedy the situation. This started in XXXX, XXXX. I was told to file a complaint with you bye my attorney 's with XXXX XXXX and they still are waiting on a response to there initial letter to the Mortgage Company, I have followed my attornys leading in this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I found several credit inquiries on my credit report that I have NO knowledge of. I followed the exact letter of the law and contacted the Credit Bureaus ( Trans UnionXXXX ) and disputed the validity of these Inquiries. I ALSO contacted the creditors directly. Several representatives informed me that the name as listed on the account did not match my name spelling or other identity indicators others could not provide me with any information about the alleged application because their firms DID NOT retain the information on this inquiry. I attempted to contact the three credit reporting agencies to speak with someone about this problem, and the facts that the information was either not retained by the creditors or not mine. I contacted each CRA and was informed that their records were correct they declined to substantiate the claim and informed me I could file a fraud report If I WISHED! 

I submitted IN WRITING a Validation request under the FCRA title 611, this request was ignored by the creditors in question, when I called back and demanded to speak to a supervisor to find out the status of the Validation demand that I had filed, I was informed by a person who stated that HE was a supervisor, but refused to provide me with his operator number or extension, that THEY were not required by the FCRA to provide any VALIDATION information. 

I have followed the letter of the law yet the credit reporting agencies have ignored and refused to address my legitimate problemcan you Help?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am using my middle surname name XXXX XXXX, because the email locked me out of the account with the cfpb My name is XXXX XXXX XXXX under the email XXXX. I ask the representative whom I spoken to at XXXX to not share my information with anyone on their recorded line, However I have also gave written statement, They updated my information, Unbeknownst to myself and got two different creditors to contact me, One with a wriiten debt warrant to go court or pay the debt, I do not know this person or debt, So I would like to sue. it's in a written statement using my name and information will costs XXXX $ an hour, XXXX, They used my address without my permission XXXX XXXX - XXXX. No. XXXX [ Second Account XXXX XXXX XXXX XXXX Apartments, Have reduced a debt that's, not mine [ The XXXX XXXX XXXX account XXXX }, Reduced the debt to {$2400.00}. The previous owners of this apartment complex left owing {$190000.00} That's the amount that they cut they whole building water supply off, I left owing not a dime they credited me only XXXX I paid {$1900.00} to move in I have my receipts plus XXXX Administration fee these folks are crooks read their reviews
Product: Credit reporting, credit repair services, or other personal consumer reports

tried calling all 3 bureaus and explain that my id was used fraudentley to open inquiries on my report and would not help remove them both company and credit bureaus refuse
Product: Money transfer, virtual currency, or money service

I sent $ XXXX worth of shiba to the address I have for coinbase. They said they can't retrieve the funds because it's not supported.. If it'snot supported whhy would they accept the transaction. Now I have lost my money and they wouldn't issue a refund. Here is the transaction. 

https : XXXX
Product: Mortgage

We are having difficulty resolving a XXXX payment made to bring our escrow balance into full reserve. The company, Penny Mac, said they can not find the payment, which we made in the same electronic manner that all our previous house payments were made. We supplied the electronic transaction number on 5 occasions to 2 different people at Penny mac with no result. The officer assigned to us said " we have millions of  transactions a day. '' We find this ridiculous. The money left our account ( XXXX XXXX ) and was electronically sent. The money is gone-We have no ability to return the money to our account. 

We called XXXX to confirm the delivery-XXXX  said the transaction number is proof of the transfer and Penny Mac receiving the money.

This is very disturbing. XXXX is a large sum of money to lose and a bank/mortgage company should never lose money-ever. What if they lost our house payment? 

We have run into a brick wall with the resolution of this issue. We need some help. 

Thanks, XXXX and XXXX XXXX
Product: Money transfer, virtual currency, or money service

A payment of {$10000.00} was made on XX/XX/year> through PayPal ; they held {$9600.00}, I received an email the next day stating they were going to keep a reserve until XX/XX/year> and they will release 50 % of the transaction then they were going to release the second part on XX/XX/year>, we called and then they said that they were going to hold the money for 180 days as a reserve. 180 days half past I have tried calling again and they do not wan na release my money. They took their fee and according to what they have told me they need to release the money. I have tried to call three times and every time they tell me something different the first time they say to wait 21 days then the second time they say to wait 180 days I just called because the 180 days passed and now theyre saying, they can not give me the money.
Product: Payday loan, title loan, or personal loan

I was turned away from a wells Fargo branch When executives financial services brand XXXX XXXX and XXXX spoke with the branch
Product: Mortgage

XX/XX/2022 we applied for a new loan and was denied based on a negative credit report from SPS stating we owed them XXXX. We provided information showing our home sold on the XXXX of XX/XX/2022, proof of payoff to the mortgage company on the XXXX. The closing attorney office also made contact to verify they sent payment. After a 30 day review by SPS, they are now telling us they did not honor our original payoff quote sent by them on XXXX XXXX for {$200000.00} because they made an HOA payment to the condo association on XXXX in the amount of {$2900.00}. We did not owe this money to the HOA as we are required to have a clear 6D to close. We received our 6D on XXXX for our XXXX closing. In addition, SPS is stating they paid {$800.00} on XXXX XXXX for city taxes on a property we do not own. Because of this additional {$3700.00} they disbursed to the HOA and City tax department they will not honor our original check in the amount of {$200000.00}. Their quote from XXXX expired on XXXX XXXX, we closed on the XXXX of XXXX and the quote they sent should be honored. The closing attorney and I have both provided documentation of the payoff quote from them, copy of the fed express mailing with the payoff check. We seek your help with getting the mortgage company to honor the original payoff quote and apply the check we sent. Remove late fees and negative credit reporting. For then to request funds they sent on a sold property to City Taxes and the HOA office directly and not try to force us to pay for their mistake. We are unable to secure a new loan to purchase our next home due to their error.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Items being charged for have been returned no additional fees or money owed
Product: Checking or savings account

Im having issues with Bank Of America my company is XXXX XXXX XXXX XXXX. 
The bank is allowing a company to withdraw funds from my account without my permission. I disputed this issue and BOA refunded my money. Now on two separate occasions after the first issue. This particular company has illegally acquired money from my account. Bank of America refuses to help me stop the company because they cant verify my account. They cant verify my account because they are using an old number. And they will not verify my identity through my email. I have been banking with them for years and I have not used my old cell phone number in over a year although I am contact with BOA every week without the old number verification and they were accessing my account every interaction now for some odd reason the verification process is not enough they want to use my old number even though I have updated the number.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX - XXXX - {$0.00} XXXX XXXX - XXXX - {$0.00} XXXX - XXXX - {$0.00} XXXX  - XXXX XXXX XXXX - XX/XX/year> XXXX - XX/XX/year> Name : XXXX XXXX Former : XXXX XXXX Also Known As : XXXX XXXX Current Address XXXX XXXX ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es XXXX : XXXX XXXX XXXX XXXX XXXX, TX XXXX Current Address ( es ) XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX Previous XXXX ( es ) XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Employers : XXXX XXXX AND Employers XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$15000.00} XXXX XXXX XXXX XXXX Balance Owed : {$9900.00} XXXX XXXX XXXX XXXX Balance Owed : {$580.00} XXXX XXXX XXXX XXXX XXXX Owed : {$6400.00} XXXX  XXXX Balance Owed : {$140.00}
Product: Credit reporting or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXXXX # XXXX, XXXX XXXX : # XXXX, has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On XX/XX/2023, I went into overdraft in my checking account at USAA Savings Bank because USAA mistakenly deducted a {$300.00} payment from my checking to go to my auto loan account that they have the lien on. I only authorized ( or remember ) authorizing one payment of {$300.00} to be transferred from my checking to my auto loan account, but USAA deducted it twice, claiming that I processed two payments of {$300.00} to be transferred to my auto loan. Their explanation does not make sense because I only authorized one payment of {$300.00} to go towards my auto loan. Their error has caused my account to be overdrafted XXXX and there is also a pending automatic payment that is scheduled to deduct another payment from my checking to go towards my auto loan. If this happened, then that would be 3 payments credited towards my auto loan in a matter of 4 days.

I requested to cancel the automatic payment scheduled to come out soon and USAA refused to cancel the automatic payment, additionally I have tried several times over the past few weeks to cancel my auto automatic payment and have been unable to.

USAA actions is causing my bank account to be overdrawn for no good reason. I would like one of my payments ( {$300.00} ) made so far to be refunded, and any automatic payment that is charged to my checking account, I would like that payment also to be refunded also, because I have already applied one {$300.00} payment to my auto loan on XX/XX/2023. 

I have attached the duplicate payments that was taken out of my account towards the auto loan. 

I also want to cancel my auto loan automatic payments. 
Thank you. XXXX XXXX
Product: Credit reporting or other personal consumer reports

TransUnion has been working on an error that prevents my account from properly updating for months. I can not submit a dispute and I have not received resolution
Product: Mortgage

... ... select portfolio refuses to do a loan modification with me. i have a XXXX child and want to stay in my house. i am a XXXX year old widowed mother. i called them and told them this. this is what they do. they offer me a one year balloon payment and offer me double my regular mortgage payments. What is this company? Bookies? how in XXXX ' name can i do this? they refuse to extend my mortgage to 40 years. because their investors dont want to when every other bank out there will do that. i submit loan mods for a living. 

i am heartbroken and suffered from the crisis of XX/XX/XXXX in the financial industry. and have a child who was XXXX to XXXX and i had no health insurance and had to pay out of pocket to help her. i have a good job now and want to pay and live in my home. they just want to kick me to the street and i will have to live in my car.
Product: Credit reporting or other personal consumer reports

I have sent in XXXX lawful debt request affidavits to XXXX XXXX XXXX XX/XX/year> XX/XX/year> XX/XX/year> XXXX & XXXX have ignored the XXXX affidavits that were sent for them to lawfully verify a debt. 
I requested that XXXX XXXX XXXX send 1.Validation of debt ( the actual accounting ) 2.Verification of the claim against me ( signed invoice ) 3.Copy of the contract binding both parties ( me and you ) XXXX XX/XX/XXXX XXXX has had more XXXX XXXX XXXX XX/XX/XXXX days to send what I requested so with that being said and them not being able to verify anything the mark ( s ) on my credit need to be deleted asap there is no more time to be given according to law 15 usc 1681i ( 5 ) ( a ) ( i ) ( ii )
Product: Debt collection

The company falsely marked derogatory payments for 4 years without any payment plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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: Money transfer, virtual currency, or money service

I have XXXX unrecognized charges on my account one for XXXX dollars made in XXXX XXXX, other one is XXXX dollars XXXX XXXX  XXXX XXXX. I live in XXXX XXXX  and the statement shows there are transaction that were made here in XXXX the same day i got scammed with XXXX and XXXX dollars this shows that i can not travel to other state in day and make those transaction. i have also contacted with the stores and they do not see any kind of transaction for XXXX and XXXX on their end. I submitted this issue with chase and they denied my claim saying it was made through the current devise that am using. i never went to XXXX  or XXXX. these transaction was made on XXXX of XX/XX/year> was made on XXXX XXXX  and XXXX was made on XXXX XXXX  store number XXXX. please help me out or reach out if you need any additional information. Also the stores aren't able to provide any receipt for the transaction on their end as they couldn't locate one.