23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Attempted to get my annual free credit report from Experian online, through the website " XXXX '' ; filled out the necessary information, chose " Experian '' as the agency from which I wanted the report and was provided the message : " We 're Sorry '' and " A condition exists that prevents Experian from being able to accept your request at this time. '' ( " Online Delivery Unavailable. '' ) I repeated the request, without success. 
I also attempted to contact Experian to resolve the problem but was unable to file a request or to speak with anyone at Experian. 
My complaint is that I should be able to access my credit report online, yet Experian is blocking me. 
What can I do to get Experian provide me a copy online of my free annual credit report?
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by XXXX XXXX XXXX XXXX, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and XXXX XXXX with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Bank account or service

On the year of 2014 i was charge on a business account in us bank the account number was XXXX XXXX they overcharge me even do i have the fund on the account they said because some checks that i deposited where not free to cash out or something like that i found this unfear because they also send me before to XXXX i try to undestand but i couldnt
Product: Debt collection

XXXX XXXX, and XXXX has added two collections company on my credit report. After my credit report last week went up it has now gone down at least 30 points or more. The credit card company, or bank has closed this account and now it has shown up on my credit report by fraudulent means. 
This is a fraudulent company who opened up a collection account without my consent or knowledge. I want these companies removed from my credit report, and I want them to pay me {$10000.00} each.
Product: Debt collection

I just happened to check my credit this last XXXX and saw that a collection had been sent out in my name. After a short investigation XXXX XXXX confirmed with me that it was indeed a fraud situation and even sent me confirmation. But that was back in XXXX XXXX  XXXX. Here were are in XX/XX/XXXX and it's STILL on my report and I will need to take out a loan in the near future but won't be able to because of this.
Product: Payday loan, title loan, or personal loan

In the beginning stages of the pandemic, I was unable to pay the loan amount monthly. I do not owe anything to this secured loan, but it is reporting two negative payments on my credit reports and bringing my score down drastically. I feel that is predatory and immoral. My financial situation is much different now, yet there is nothing I can do about to reopening this account and continue making payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted these companies as these accounts were included in a chapter XXXX bankruptcy and upon health problems which was a XXXX XXXX and unable to work my bankruptcy was dismissed. These accounts went into a charge off status and when I was made aware of these accounts, I diligently Made the necessary steps to correct these reports by paying the balance made the necessary steps to correct these reports my pay and the balances on these accounts, They are misrepresented on my credit report and all statuses pertain to in these reports by these creditors should reflect that these accounts are paid and they are not collections and they are not charge-offs. I am willing to work with anyone to make these corrections by any means they suggest
Product: Credit reporting or other personal consumer reports

I have reviewed a copy of my Credit report and noticed I had fraudulent activity.
Product: Mortgage

I have recently been denied for a loan modification on an appeal review. I originally applied for a loan modification and was denied due to insufficient income. My Sister then moved in with me and helped with {$1000.00} to cover the household expenses. With the changes in my financials, i then reapplied for a loan modification. I was later told that I was denied and am no longer able to reapply since i can only be reviewed once in a year. Now that I am able to afford my home with the help of my Sister, they will not consider reviewing it and I will lose my home. I have worked too hard for this to happen. Please help.
Product: Student loan

AES reported that I was current but they also reported that they could not get ahold of me which has lowered my score by XXXX points. They received a returned letter but when I received an email about it, I looked on the website and everything looked fine. I also never received a call about this and AES agreed they never tried to call. I have never been late so this report is completely unfair and inaccurate. I have included a copy of my report that shows XXXX as XXXX negative.
Product: Debt collection

In XX/XX/2020 I informed XXXX XXXX, XXXX that our account with XXXX  XXXX XXXX ending in XXXX XXXX for {$1700.00} was assigned to XXXX XXXX XXXX ( a credit card payment consolidation company ). 

We informed XXXX about the situation and accepted to include the bill to our credit card consolidation file. Today we received another bill from XXXX dated XXXX. 

We want XXXX to stop harassing us regarding this bill. You may contact us at our home phone XXXX if you need more details. Thank you. 

The XXXX XXXX
Product: Debt collection

Before I moved from XXXX XXXX  to XXXX  I contacted XXXX to cancel the service and tell them to send my last bill to my new address in California and everything went well that day or as I thought. 



Time goes by and no mail or any way of contact had I received and when I check my credit, I saw this account showing on my credit report with a collection agency ( Southwest Credit System ) so I proceed to call and pay it. On that call I found out that they had received my old contact information from XXXX so Southwest Credit System tried to contact me in regards of the account but since they had received the wrong contact information from the original creditor, this prevent me to pay it or dispute before it shows on my credit report, I explained this to the managers and representatives all agreed that they had a wrong address and wrong phone number but they wont to delete from my credit.
Product: Mortgage

We have been trying to resolve this situation with the mortgage company Selene Finance since XX/XX/XXXX. We got behind because of some personal issues. We sent a payment for 2 months and we owed 3 they sent it back in XX/XX/XXXX. 
We called and sent emails in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX. When we would call we would be on hold hours and still not get a person. We would be hung up on. Our emails would be rejected saying the wrong email address, but it was taken from the web site. We mailed our loan modification request paperwork to the address on the paperwork. We could not get someone on the phone till XXXX. At that time they told us that was the wrong address and email it to them. So we did then, then we were told it was too close to the sale date to evaluate with them. Now we can not get them on the phone, we just want them to move the sale date so we can have a little more time to come up with the money. We started recording the phone calls showing them hanging up on us, giving us wrong information and just not wanting to help us. They just want out house. We have XXXX  kids and all we want to do is keep our house and we want a mortgage company to work with us to save it. They do not. Please help us if you can. I am just attaching one example of email communications that state they never went thru. We have more records and recording of our most recent phone calls to valid our case. We have been trying to resolve this situation and they have not wanted to help us. 

Thank you very much XXXX and XXXX XXXX.
Product: Mortgage

I called to pay off my mortgage on XXXX XXXX and the funds were debited from my checking account but as USBANK has repeatedly misapplied payments in the past I called on XXXX XXXX and as expected the payoff had not been properly processed. I was assured that this was corrected. Again, based on previous experience I called again today, XXXX XXXX and again the payoff was not applied and I was told it had instead been put in a " suspense account '' I demanded to speak to a supervisor and my current status is that USBANK is suppose to send me email confirmation and call me to confirm that the payoff has been completed. 
this was only after threatening to file this complaint and to pursue legal action. 

Multiple times over the life of the loan they have misapplied payments resulting in addithional interest charges. specifically instead of apply additional funds over the due payment applying it to future regular payments. 

Though social media I have learned that I am far from alone in this situation. Multiple people relate multiple mis applied payment or other " administrative errors '' which has caused them additional interest payment. 
what concerns me is that none of this would show up as a problem on any type of audit, the books would look fine but USBANK is systematically making " errors '' that cost consumers money and increase its profits.
Product: Credit reporting or other personal consumer reports

I am formally disputing inaccurate information on my credit file regarding my XXXX XXXX XXXX account. The credit limit, date opened, and account type are incorrectly reported across my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to accurate and verifiable reporting. Specifically : 1681i ( a ) ( 5 ) ( A ) requires the removal of inaccurate, incomplete, or unverifiable information.

1681s-2 ( b ) mandates that furnishers properly investigate and correct errors.

1681e ( b ) ensures credit bureaus maintain maximum possible accuracy in consumer reports. 
I have previously attempted to resolve this matter directly with XXXX XXXXXXXX XXXX  but have not received a satisfactory resolution. This inaccurate reporting is a direct violation of my consumer rights and negatively impacts my financial standing. If the information can not be verified as accurate, it must be removed as required by law. 

Please complete this correction within the XXXX timeframe specified under the FCRA and provide written confirmation once the issue is resolved. I have attached supporting documentation to assist in your investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlier this year I made the decision to take a look in my report. later in XX/XX/ 2022 I asked Experian to send me a copy of the investigation by mail, and a copy of the verification method Experian have used, in a way that is easy for me to understand. Because to my knowledge those alleged account should not be on my consumer report. Experian never honor my request. But instead Experian gave me the whole run-around and I never got any resolution. Ultimately failing to comply under the FCRA regulation. In general, the law state that consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or deleted within 30 days. However, a consumer reporting agency may continue to report information it has verified accurate. Well since Experian claimed that the information as accurate. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand under my rights that an investigation letter be mailed to me from Experian. Or simply comply with the FCRA regulation by deleting unverifiable information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is still reporting on my Credit Reports : XXXX-Date of Inquiry XX/XX/2020 2020
Product: Money transfer, virtual currency, or money service

hello, for security reasons when my phone was stolen coinbase closed my account - however afterwards - i have asked for it to re-enabled and their support says they are working on it and its been over a week. 

please i am concerned they are not going to give me access and i just wish to access my account asap/
Product: Mortgage

Last year the servicing of my 30 year conventional home loan changed hands multiple times ( not a problem, completely normal ). It ended up in the hands of Mr. Cooper at the end of last year. Fine, it is what it is. They service the loan just fine. No problems on the financial side. 

The advertising, however, is beyond annoying, to the point of harassment. I get one or more emails a day from them advertising for refinance or other loan-related services. Over the last XXXX months I have done the following to get them to stop : 1. Unsubscribe link on their emails -> Unsubscribe all ( tried this 4-5 times ). 
2. Logged into my profile on their website and mobile app and turned off all emails, marketing, and sharing of my information with 3rd parties. 
3. Used their marketing Unsubscribe All forms for both paper and digital communications, found on their website customer service section. 

Nothing seems to help. I don't want to block emails from them incase they actually have an important notification for my loan, such as a late or missed payment ( XXXX forbid - not that I have ever been late, but mistakes happen ). 

I am beyond frustrated.
Product: Mortgage

My XXXX yr old mother, who lived in a gated community in XXXX was convinced to sign a reverse mortgage agreement with Wells Fargo Bank, in XX/XX/XXXX. She had to be moved to assisted living late XX/XX/XXXX & her house had to be sold, which it was, 7 year / 3 months later ( XX/XX/XXXX ). She received {$250.00} a month thru that time. That means that she received from Wells Fargo Reverse Mtg. $ XXXX At the Closing, Wells Fargo Took {$62000.00}, Leaving my mother with next to nothing, on a house that was PAID OFF, previous to starting the reverse Mtg. That 's nearly triple payback of what they paid to my mother. She 's now nearly destitute -- -Shamefull !!!
Product: Debt collection

The company, XXXX XXXX, was calling me multiple times a day, never leaving a message or information on how to call back. 

I blocked their phone number multiple times as I was not aware of what the call was about, only to be called back from different numbers, " Unknown '' numbers, and blocked numbers. 

I received a call on XX/XX/XXXX at XXXX from a gentleman at XXXX from XXXX. He did not verify any of my information, only my name, which there are obviously many people in the world with the same name. 

He advised of the balance of a former Lending Club loan and asked if I would like to take care of the debt today. I was unaware of the debt as I lost track of some of these debts in my time of being ill. I advised him that I would be interested in a settlement offer. He would not give me a dollar amount of the settlement offer, rather continued to ask me what I would pay. 

I offered {$2000.00} to settle the loan as that is all the money I have left from my Stimulus Check. The representative laughed and told me that was unreasonable and then went on telling me how this was a cash loan, when in fact it was not, and that my offer was not reasonable enough for him to do his job and submit the offer. He never asked what my situation was to fall behind ( In this case, XXXX XXXX XXXX XXXX XXXX  and extended hospitalization ), rather try his best to cut me down as a person. 

He continues to berate and belittle me and my financial situation. I asked why he was talking to me this way and he told me he can talk to me this was because he was a debt collector! 

As the conversation ensued, he continued to belittle and berate me and then told me I needed to " Man Up! '' and pay my debts.

As a former debt collector, the tone, demeanor, and absolute disrespect this man portrayed was mind blowing. As a manager of a debt collection agency for over 5 years, this was the worst display of  professionalism I have ever witnessed.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX BANK XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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: Debt collection

They continue to contact me, my spouse and other family about a debt that they never tell me abouy. Only debt on my credit report are medical bills most others have been paid or canceled. They say they ha e filed a formal complaint and if no answers theyll contact the proper authorities for next legal steps for jail. I know its a scam but theyre ringing my phone multiple times a day several days a week and it interrupts my work day. The number is XXXX XXXX XXXX
Product: Checking or savings account

Dear Sir/Madam, I am writing to file a formal complaint regarding the unacceptable treatment I received from Citibank recently . On XX/XX/year>, I visited the Citibank branch located at XXXX XXXX XXXX in the XXXX XXXX XXXX XXXX XXXX, where I made a cash deposit of {$300.00} into my personal account. Shortly after, I conducted three routine transactions using my debit card at local businesses. However, later that day, my account was inexplicably frozen, and my card was blocked without any prior notification or explanation. 

Despite numerous attempts to contact Citibank 's customer service representatives, I was met with dismissive attitudes and abrupt call terminations. It was not until XXXX XXXX that I reluctantly gave up my efforts to resolve the issue that night. The following day, I visited the same branch in person, hoping to gain clarity on the situation. Unfortunately, the personal banker I spoke with provided little to no information beyond stating that my account had been frozen due to suspected fraud, and instructed me to call a specific number after a 48-hour waiting period. 

I find it highly concerning that my account was frozen on the same day I made a legitimate cash deposit, and my subsequent transactions were routine purchases of essential items such as food and personal care products. I have all the relevant documentation, including the teller deposit receipt and purchase receipts, to corroborate the legitimacy of my activities. 

Citibank 's actions have caused me significant inconvenience and distress, as I have been unable to access my funds or conduct any financial transactions during this period. I believe this situation has been handled poorly, and I deserve a thorough explanation for the freeze on my account, as well as a prompt resolution to restore access to my funds. 

I kindly request that you investigate this matter thoroughly and provide me with a detailed response addressing the reasons behind the account freeze and the steps required to rectify this issue. I expect Citibank to take appropriate measures to prevent such occurrences in the future and to uphold its commitment to providing excellent customer service. 

Thank you for your prompt attention to this matter. I look forward to your response and a satisfactory resolution. 

Sincerely, XXXX XXXX