23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

On XX/XX/18 I purchased a remote start system, door speakers and had my windows tinted at XXXXXXXX XXXX XXXX XXXX I was told I was being financed and it would go through Acima credit. When I got the approval email I was informed it was actually a lease agreement. I never was asked too sign anything instead a text was sent too me that the merchant told me they needed to put into the system it stated Notice! Using this code is equal to physically signing your lease agreement with Acima. Code : 5768 ( Reply STOP to  unsubscribe ) the lease was never presented nor read too me. I never received a copy or anything. The work I had done was roughly around 800 some odd dollars. With a early buyout option for 900 some odd dollars. I was told originally by the merchant the early pay off was the amount of which I had the work done for but later found it out it was actually about {$100.00} dollars more. Meanwhile I didnt make the early payoff date and was later informed that Id have to pay installments on the lease that equalled up too almost 1900 dollars. I never was informed of this if I had been I definitely wouldnt have agreed too it. I contacted acima trying to get a copy where I signed something stating this and they told me that it was signed using that code they sent me. I never even had a chance too read anything as the merchant had it all on his computer. I asked why I was never sent a copy or anything of the lease agreement. And they told me I was sent one. I then asked for them them to send me some form of documentation as too when they sent the supposed email and they told me they couldnt provide me with that information for security purposes. They never sent me a lease agreement Ive went through every email from them including my junk and spam folders and never was informed of this. Im just now finding out theyre charging me for this XXXX dollars for XXXX dollars worth of work because Im in the process of purchasing my first home. And was informed this lease had to be taken off my credit before I could close.
Product: Mortgage

I have a loan with Ocwen for my home, it was sold to them by GMAC, it is a FHA loan. Besides them being a repulsive company, I lost my job in XXXX 2015, I am a single mom, so I filed for assistance right away and it is now end of 2015 and I am still battling Owen. I have the FHA involved, I filed with the Attorney General office and still I am dealing with these losers. I have endless documents I can flex your office but in short- there is a Special Forbearance FHA program for those that lost their job, Owen denied me??? I have demanded a response to that and still nothing, Ocwen said I did not qualify because I did not have unemployment benefits- well I did and they have that proof!!! They completely ignore me. They made me do a modification packet, I am working again but behind on everything because I had to borrow money to make my payments when I was unemployed. Its a mess and the longer Owen drags it out the worse it gets. Bottom line, I should have received assistance when I was unemployed and second I should have had a modification by now. Owen continues to ask for documents I have already sent, XXXX or XXXX times! I work with their Ombudsman office now and they fax documents to the underwriters for me. They can see my documents but the reps in the Ombudsman office tell me they are not getting uploaded to the underwriters. Really! Then when the underwriter have everything they then send a letter saying now it is outdated and want new stuff. This is sickening, I am losing my mind and stressed bother tactics and I feel for those that do n't know how to challenge Owen. Please assist me ASAP. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX, co XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter out to XXXX XXXX, and Equifax. In the letter, I pointed out several inaccurate accounts reporting on my credit report. It has been beyond 45 days and I still have not received any results from the 3 credit reporting agencies. I have tried contacting the credit reporting agencies but they have not resolved the situation. I believe they are taking advantage of my situation and they are not doing anything to fix the problem. I contacted them on several occasions. even after contacting them, they still have not sent me the results of the investigation. They are in violation of the law because they have 30 days to do an investigation and they are suppose to send me the results of the investigation within 5 days of the investigation. If they can not verify the accounts, it must be removed from my credit report. These inaccurate accounts has been holding me back from several opportunities and it has caused a lot of stress.
Product: Debt collection

On XX/XX/2022 I opened a dispute with XXXX Credit Bureau with dispute number XXXX and on XX/XX/2022 I received notice that the report was completed and closed. Upon speaking with XXXX to request proof of debt validation I was advised that XXXX and Columbia Debt Recovery use a code system to communicate with each other and the code sent back by Columbia Debt Recovery to close the dispute was this : Account previously in dispute investigation complete, reported by date furnisher. 

This information is inaccurate as I have never disputed the validation of this debt with Columbia Debt Recovery in the past nor signed any contracts with them stating I owe them any money. In addition to failing to validate the debt they provided false, deceptive and misleading information to close down the dispute which is now reflected on my credit report. As a result, I can not obtain an apartment or home to rent under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a total of 11 disputes certified with return receipts to credit bureau EXPERIAN to no avail. My initial dispute was sent on XX/XX/2021. EXPERIAN responded validated the accounts. Pursuant to FCRA 611 ( a ) to request a complete description of all methods used to investigate these accounts. The accounts are XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. EXPERIAN continues to send me generic letters explaining their investigation process which is NOT what I asked for. EXPERIAN is clearly violating FCRA laws but not providing me detailed information about how they investigated these inaccurate accounts. I requested a method of verification on XX/XX/2021 via certified mail with returned receipt that was received by EXPERIAN on XX/XX/2021 that gave them 15 days to respond providing me with the method of verification. To date, I haven't received any method of verification from XXXX.I spoke to a representative whom stated that I need to dispute with the creditor directly, I informed her the law allows me to dispute directly with the credit bureau since they are the ones putting inaccurate information on my credit report .She stated she would have a supervisor to contact me.

These accounts need to be updated/ and or removed to reflect current as EXPERIAN is in direct violation of the FCRA laws
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My office was broken into and several identity documents were stolen. The following inquiry showed up on my credit report and was not authorized by me and was made without my knowledge or consent. I have attached a copy of the police report. 

Pentagon Federal Credit Union XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

The loan on a XXXX XXXX was paid off to XXXX XXXX on XX/XX/XXXX. I received a notarized lien release letter on XX/XX/XXXX. On XX/XX/XXXX I received a second notarized lien release letter with the vehicle title. As of XX/XX/XXXX the account remained open so I filed a dispute with XXXX, Equifax, and XXXX to have the account marked as paid off. Their investigations all came back saying that I was 30 days delinquent. My credit scores dropped as much as XXXX points. This is unacceptable and must be corrected. I appreciate your help in that goal.
Product: Mortgage

I originally contacted Guaranteed Rate Affinity ( GRA/Lender ) back in XX/XX/XXXX to be taken out of COVID-related forbearance, and to be considered for a retention workout ( deferment and/or loan modification ) of my unpaid balance. 

The company informed me that I needed to make on-time monthly payments starting XX/XX/XXXX as they " worked toward a retention workout solution. '' I have made on-time payments every month from XX/XX/XXXX through XX/XX/XXXX ( 7 payments as of today, with the 8th payment scheduled to arrive by XX/XX/XXXX ), but I have not received any resolution. 

During this time, the lender has denied my request for a deferment of the unpaid balance. The lender did not provide any documentation or explanation regarding their deferment denial decision. I requested to be considered for a loan modification. The lender denied my request for a loan modification. The lender did not provide any documentation or explanation regarding their loan modification denial decision. 

According to my records, I have reached out to the lender on the following dates since XX/XX/XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX During these calls and emails to the lender, although I requested to speak with the Specialist assigned to my account, I have never spoken to the Specialist assigned to my account. However, I have spoken to customer services representatives ( CSRs ). Each time I have spoken with a CSR I have requested to following : - Information supporting their deferral denial and loan modification denial decisions.

- Escalated service support ( a callback and/or email response ) from a manager for the specialist working on my loan account.

- Information to submit an appeal to their deferment and loan modification decision.

I have not received any information regarding my requests.

I am without any resolution, and the lender continues to vaguely respond by stating : - " Management is working on getting a resolution. '' - " Please continue to make on-time payments until we receive the resolution. '' - " The specialist working on your account is not available at this time. '' I am in " limbo '' without any next steps information, and I am unable to refinance my loan with another lender due to this. The lender is negligent, untimely, and unable to service its paying customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent and reported it across the three Bureaus, Transunion, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC Report # XXXX is a complaint i filed and reported XX/XX/21, about unauthorized use of my credit card/social security card and number. I recently discovered after that on my Experian credit report alone there are more than over XXXX soft unauthorized inquires. I did not authorize these inquiries to be taken out in my name, nor or they related to anything I've did.
Product: Student loan

XX/XX/XXXX I requested XXXX loans, XXXX for {$4000.00} and XXXX for {$2600.00} ( total {$6200.00} ), to attend XXXX XXXX XXXX in XXXX, WY. I graduated XX/XX/XXXX. 

Over the next several years I paid my loan to XXXX XXXX intermittently at best. I took forbearance 's and deferment 's as much as I could, paying when I could. I now work in the railroad industry, and work has been on and off over the years, as were my payments. Over the last several years my payments have been on time. I have paid over {$12000.00} since XX/XX/XXXX ; I do not have records of the payments I made over the 10 years before that. 
At this point I have paid over double the amount borrowed. At the current rate should I continue my current payment plan will end up paying approximately six times the amount borrowed. XXXX XXXX and now Navient have raised my payments over the years. I had got them at one point to lower my payments only to have the raise again recently to over XXXX dollars a month.
Product: Credit card or prepaid card

Back around XXXX of 2020, I lost wallet or it got stolen. So I called the US Bank XXXX XXXX people to let them know. Later that day I realized I had the card in my pocket still from using it the night before. Anyways, I called to let the company know and they told me it was to late my account had been frozen. So in order to get back on my account I got to have a valid ID front and back and take a selfish. Now im like I just told you I don't ha e my wallet ita gone. Anyways, they wanted a front and back picture of my id and had to be the hard copy kind not the paper like they give you. So here I am +3months later and I'm still waiting on my id to come through the mail and on the verge of losing everything. I got {$1500.00} in this account I really need b4 I have no place to live. What I'm saying is can't the people over at US Bank or XXXX XXXX services do some kind of zoom or face time to verify who I am. I mean the people that are " '' offline '' ' they use bc you can't talk to them I guess, already know everything about me anyways so surely they have a picture and can see if its me.. Wouldn't that be so much easier and less time consuming. This way people like me can get back to enjoying our lives! But when alot of what we have is in the bank and everything takes months to do at a time. Doesn't this seem alot more sensible? Thank you for your time.
Product: Credit card or prepaid card

I had a store account with XXXX XXXX - Comentiy Bank that I requested be closed on XX/XX/XXXXXXXX XXXX. I have documentation from the bank showing they agreed and confirmed the account was closed on that date. My credit report shows the account closed as well. My issue is that comenity bank hasn't truly closed the account ; they have been charging me monthly interest fees at {$3.00}, then throwing late payments on top of that. I didn't realize this was happening until XXXX XXXX I found out because they reported late payments to the credit bureau. I immediately contacted them to see why I was incurring charges on an account that has been closed.They stated the account was closed again, so I thought the situation had been handled. Fast forward to XXXX XXXX, XXXX I get hit with a {$230.00} late payment from them. At a loss, I paid it, I know I didn't owe, but I was hoping that would resolve the issue. The account officially had a {$0.00} balance again effective XXXX XXXX, XXXX. Sure enough, on XXXX XXXX, I was hit with an interest charge of {$3.00}, so it seems they have started the cycle all over again. every time I call the company, they either assure me the account has been closed, or hang up on me after placing me on hold. I believe the practices they are using are predatory, and I would appreciate it if someone would investigate further so this doesn't happen to others moving forward. It has been a nightmare, all I want is for the account to be actually closed and not to be charged moving forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the fair credit reporting act XXXX XXXX  account # XXXXXXXX XXXX XXXXXXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXXXXXX XXXXdept of Ed account # XXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX has violated my rights 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 an account without my written instructions
Product: Credit card or prepaid card

Capital One has restricted my account to verify transactions. I appreciate and Thank Capital One for taking those steps to prevent fraud, though, it does not mean that Capital One has to give so much hardship nor do they need to mistreat, bounce the call and refuse to escalate the issue to the executive offices. These actions taken by fraud departments are unbearable and needs to STOP immediately. To verify my identity you will need to contact me on the number that is reported to the fraud alert with the consumer reporting agencies. 
( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE USE MY IDENTITY AND OPEN UP SEVERAL ACCOUNTS UNDER MY NAME IN XXXX XXXX NEVADA FROM XX/XX/XXXX- TO XX/XX/XXXX. I HAVE LIVED IN ALABAMA ALL MY LIFE. THESE ACCOUNT ARE EFFECTING MY CREDIT SCORE. I HAVE SINCE WENT TO THE STATE OF ALABAMA DMV AND ASKED FOR 17 YEARS WORTH OF DRIVERS LICENSE. I HAVE DISPUTED AND XXXX STILL REFUSE TO REMOVE FROM MY CREDIT FILE. I AM ASKING FOR A FULL AND ACCURATE INVESTIGATION IN THIS MATTER. THESE ARE THE FOLLOWING ACCOUNTS OPEN IN XXXX XXXX NEVADA UNDER MY NAME!. XXXX XXXX 2. XXXX XXXX 3. CHAPTER XXXX BANKRUPTCY XXXX THESE ARE NOT MY ACCOUNT U CAN PROVIDE A LEASE FOR THE PAST 10 YEARS FROM MY LANDLORD AND OTHER DOCUMENTS THIS IS NOT ME!!!
Product: Debt collection

I contacted IC Systems as I was not aware I had a collection account with them. I than asked if I could pay the debt and have them remove this off my credit report. They agreed and I paid my debt and they are now not helping remove this off my credit. I need them to remove this off my credit. I am a Veteran who fought for this country and I hope they can be a man of their word and remove this off my credit.
Product: Mortgage

I paid off my mortgage on XX/XX/2020 in full. On XX/XX/2020 Arvest Central Mortgage reported my account in foreclosure well after the account was paid off. This has been and still is affecting my credit during a pandemic. I have tired to resolve this issue but Arvest refuses to help and calls this complaint frivilious. This has affected me and my family for a very long time. They have ruined my life and my credit.
Product: Student loan

I attended XXXX of XXXX XXXX XXXX and the US Department of Education determined that my federal loans will be discharged do to the misconduct of XXXX XXXXXXXX XXXX and their parent company. 

I submitted a complaint previously because I also have private loans held by Navient that were used to attend the same school. Those loans should also be discharged, just like the federal loans. 

As a result of that prior complaint Navient sent me a School Misconduct Discharge application. Over XXXX weeks I spent countless hours and considerable effort gathering evidence and completing the application. 

Now, a month after submitting my application, I have received notice from Navient that they are denying my application. That denial was accompanied by an extremely unclear explanation. 

I have XXXX loans held by Navient and I am attaching all three denial letters. They are identical except for the loan number.
Product: Mortgage

For the past 8 months we have been struggling with roundpoint servicing regarding an escrow issue The servicing was transferred to them from another lender. They refuse to correct a flood insurance escrow placement, when we have had and have shown numerous times that we have flood insurance on this property. We have spent countless hours in phone calls that lead nowhere or with someone who states there going to correct it and send us a corrected analysis but when it comes in the mail it is wrong. They are charging us for flood insurance when we have satisfactory proof of coverage there has never been a laps or gap ... iwhen the transfer happened to their company is when we have had nothing but problems! We get the runaround one department dosent know what the other is doing, or it takes 60 days to make a correction, which is a direct violation of TILA AND MAP regulations. But to date NOTHING HAS BEEN RESOLVED. I beg for assistance. Every three weeks we go through a routine of calling being placed in hold for 30 min at a time after being placed there from a representative ... .. we need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per XXXX XXXX XXXX - XXXX, TransUnion and XXXX have not fulfilled their obligations in investigations per 15 USC 1681a ( 1 ) ( 2 ) ( 3 ) ( 4 ). During their neglect in completing these investigations in the disputes that have been made, I have received adverse actions and have been discriminated against due to inaccuracies, false reportings & misuse of my assumed consumer report. There has been no thorough investigations nor thorough reinvestigations pursuant to 15 USC 1681i by any of these credit reporting agencies, which places them in violation of 15 USC 1681n. There is no proof that I have given them written or verbal consent in reporting anything on my assumed consumer report or to furnish an assumed consumer report with some of my private personal information that was obtained fraudulently. This is in violation of my rights as a consumer and I demand this to be rectified. They have deleted " chosen '' false information that was previously on my consumer report, however, are continuing to furnish items on my assumed consumer report that negatively impact my rights as a consumer without any just investigation, reinvestigation or explained verification that they verified the information is correct. They are wilfully denying my right as a consumer, and are therefore acting wilfully unlawful and are federally due to be held accountable. 

A link is provided via the source of their fraudulent and unlawful activities ( lack thereof ). 
https : XXXX
Product: Credit card or prepaid card

All customers that have direct deposit with American Express Personal Savings, Bluebird, and Serve accounts are unable to get their money. We were told that it was something that would be handled in a couple of hours, then by the end of the day, then next day and now it has become a couple of days. People are unable to pay bills, get food, and pay for life saving medication. American Express has yet to explain what is happening.
Product: Checking or savings account

On XX/XX/2024, I submitted complaint # XXXX. On XX/XX/2024, Wells Fargo replied that they had investigated and closed the matter. My complaint centered around the fact that I was induced to open a " XXXX XXXX  '' with approximately {$300000.00} based on a promise of a {$2500.00} bonus. Wells Fargo 's arbitrary settlement was to credit my account with {$500.00}. I know Wells Fargo 's settlement was arbitrary. I also believe it was in bad faith because Wells Fargo settled the same matter with my friend, who was similarly induced to open a " XXXX XXXX  '' by crediting her the {$2500.00} bonus and {$1200.00} for the inconvenience. As a show of good faith, I did not move my money from the XXXX XXXX  for nearly 1 year, and I lost interest and opportunity during that time. Since XXXX, I have been assigned to various internal Wells Fargo agents and sent gobbledygook letters concerning the matter, all in an attempt to bury me in bureaucracy.

I respectfully submit that, if the CFPB is to be an effective consumer watchdog, there must be an avenue for consumer recourse ( without the prohibitive cost of a lawsuit ) when a banking institution like Wells Fargo, notorious for its consumer scandals, closes a CFPB complaint without a satisfactory resolution.

All the related documents were uploaded to the CFPB when I submitted complaint # XXXX.