23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Claim ticket reference number for Wells Fargo XXXX. I disputed a charge to my checking from XXXX XXXX for a fraudulent charge to my card for the amount of {$430.00} on XX/XX/year>. Reported fraud to Wells Fargo and they gave me provisional credit on XX/XX/year> for the claim reference number XXXX for the full amount of {$430.00} after submitting a overwhelming amount of evidence of fraud committed by XXXX XXXX. ( Online payment to XXXX  XXXX, not in person ). Contacted XXXX  XXXX with an affidavit multiple times and tried reaching out multiple times but was ignored. XXXX  XXXX disputed the chargeback and Wells Fargo took away the provisional credit and told me its closed and I cant dispute or do anything about it anymore. When I requested the reason they granted the dispute to the company they stated They gave us a 24 page what seems to be a pre-made packet to challenge disputes. They agreed it was fraud but stated since the company contacted them back to dispute it I cant do anything about it. They also said the company lied stating I didnt send an affidavit and that was mainly why they agreed to the dispute. I sent evidence of multiple affidavits being emailed to them from the beginning and then on even during the dispute to try to resolve it with the company directly. I submitted it to Wells Fargo and they ignored it and denied my money back. They wont reopen my claim, refund my money. XXXX XXXX then stated since I filed a claim I wont be getting a refund from them at all now even though they were granted the chargeback. So Wells Fargo has locked me out of any options for refund and has kept my money.
Product: Credit reporting or other personal consumer reports

The loan has been paid since XXXX. It should reflect paid in full. It still has an account status of duragatory. Ive contacted multiple times to fix
Product: Mortgage

It was XX/XX/XXXX that one of so call Citimorgage representative called and faxed congratulating me that, the HOME AFFORDABLE MODIFICATION PROGRAM that I had applied, has been approved. He said that, I have been approved for an interest rate of 2 % for the rest of the loan peroid, as long as I own my house. He said, all I need to do now is to make three ( 3 ) trail period payment plan, every month of {$1100.00} and at the end of the trial period, I will have to make additional payment of {$1100.00} for the closing cost. He said each payment however, goes towards my mortgage payment, therefore, I should concentrate making these three months trail payment. He said these payments can " only be received through XXXX or XXXX XXXX, which means that it 's only this ways I can send the money in, inother to fullfil the criteria and therefore, it is a different department that is handling this program. There and then, I started to wounder and suspect, if this is real or is this legitimate or Fraud Scam thing. He said they will forward every transation docs. papers to the office and my account will be updated by next Monday XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to rep by the name of " XXXX '' with the office of Consumer Affairs with Equifax on XX/XX/18 approximately XXXX. 

I attempted to dispute a collection account with him. The collection agency is XXXX XXXX XXXX. I informed him that this account is being reported in error and that my insurance company had paid the original creditor. Then he puts me on hold for 30 minutes, only to tell me that this account was previously investigated. I never received any notification that the account was previously investigated. He then tells me that he is going to call me back. I tell him it's been my experience that no one from Equifax has ever called me back. 

I also ask him why I can not use any online functions to which he says that certain people from time to time do not have access due to fraud activity. I ask him to tell me when I will be able to gain online access, to which he gives me a canned, non answer.
Product: Checking or savings account

XX/XX/2019 - I'm an XXXX veteran with a service connected XXXX. I made a XXXX tip after paying for the XXXX while in XXXX CO. The card and account was locked due to the XXXX transaction. Contacted the TD Bank, XXXX, NC and the customer service department number on line regarding the error in locking the account. Verified all my information. My account was opened in XXXX or XXXX and the telephone number and email addresses have changed since the account opening. They indicated they could only text the new passcode to my old number ( which I no longer have the phone ) or I had to physically go to a TD Bank. The closest TD Bank from my new location ( XXXX XXXX, SD ) is 24 hour drive one way to NC. I do not have funds since they locked my account to drive, feed my family or pay my bills. This is causing extreme hardship, anxiety and stress. After explaining to supervisors of the call center and local bank they still insisted I had to physically go to TD Bank and there weren't any options to mail me a form to update and get a new passcode to access my account or have it unlocked. 
XX/XX/2019 - Again contacted the consumer contact number and the local bank to again try and explain the situation and the locked account. They indicated they verified who I was ; however, since the telephone number was no longer a valid number I would not have an option to receive a passcode. They indicated they could not email a form, accept verification from another Bank of my identification or wire my funds. Only option they kept stating was to physically go to the Bank. This is causing an undue hardship on my family and myself.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I filed a complaint with CFBP against EXPERIAN : COMPLAINT ID # XXXX. On XX/XX/XXXX XXXX XXXX  I received from Experian a notice via email : they threatened me that they will lift and remove the freeze from my account that I requested during XX/XX/XXXX from the three credit reporting agencies who issued the freeze on my account. Exhibit A. 
First, Experian reduced my scores by XXXX points three times. Now Experian threatened me that they will lift and remove the freeze on my account : Strangely, Experian requested items from me regarding my personal information, otherwise they threatened to lift and remove the freeze from my account. But my personal information in the three credit reporting companies is accurate! There is no issue with my personal information! See Exhibit A. 
On XX/XX/XXXX XXXX XXXX I was deposed in a court case : XXXX XXXX XXXX # XXXX. During XXXXXXXX XXXX in the mixed of Covid 19, I received phone calls from representatives of three banks who notified me that my information was used to obtain an unlawful {$300000.00} loan under my name, and my information was found on XXXX. I told them that I never requested any loan, and I never obtained any loan in my entire life. I was advised by the three banks representatives : to call the credit reporting companies and immediately freeze your accounts. My account has been frozen since XX/XX/XXXXXXXX XXXX 
During XX/XX/XXXXXXXX XXXX I notified the Judge who presided over my case, Judge XXXX XXXX that my personal information in my XX/XX/XXXX deposition-transcript was used to obtain a fraudulent {$300000.00} loan under my name. I also filed Motion in front of the Judge that addressed this issue. 

IF EXPERIAN WILL CARRY OUT THEIR THREAT TO LIFT - REMOVING THE FREEZE ON MY ACCOUNT : EXPERIAN SHOULD BE 100 % RESPONSIBLE FOR ALL THE DAMAGES DUE TO LIFTING - REMOVING THE FREEZE ON MY ACCOUNT!
Product: Mortgage

We purchased a new home @ XXXX XXXX XXXX, XXXX XXXX, CA XXXX from XXXX  XXXX Mortgage XX/XX/XXXX, the loan was immediately bought out by Planet Home Lending and just a month later, bought by New XXXX XXXX, my complaint is against Planet Home Lending. In XX/XX/XXXX, when we purchased our home, we only had the choice to use the California XXXX XXXX hazard insurance which is fire only. When it came time for renewal in XXXX, we found a more comprehensive company and decided to change. Unfortunately, XXXX XXXX paid both hazard companies, so we had to contact the Fair Plan to cancel and they inadvertently refunded the amount of {$690.00} to Planet Home Lending who was no longer the mortgage holder, to complicate matters further, we paid off our mortgage with XXXX XXXX and own the property outright. I have advised Planet Home Funding with XXXX phone calls, XX/XX/XXXX and spoke to XXXX and was assured I would get a refund in days ; on XX/XX/XXXX I spoke to XXXX and she said she had to get information from their cash department and would call me back, she never did. On XXXX I wrote a letter asking for immediate refund of the premium and today XX/XX/XXXX I spoke to XXXX, a supervisor and she said she would call me within the hour ... she never did. They can not keep money that doesn't belong to them and I want my refund now. Can you help me please?
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent 2 letters to Equifax requesting them to remove unauthorized hard inquiries and I was rudely told on two occasions they don't have to remove wrong information if they don't want to. I'm upset I've even disputed this online as well as on the phone. 



>>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX XXXX  XXXX XXXX XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX CR XXXX XXXX XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX CR XXXX XXXX XXXX XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX CR XXXX XXXX XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX CR XXXX XXXX XXXX XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX CR XXXX XXXX XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX CR XXXX XXXX XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX CR XXXX XXXX XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE XXXX YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX CR CAPITAL XXXX XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX CR XXXX XXXX XXXX XXXX The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX CR XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that TRANSUNION remove tax lien # XXXX that is listed on my credit report in the amount of XXXX. 

The attached tax lien only shows the last 4 digits, no  dob, and an address that I 've never lived at. The XXXX XXXX XXXX XXXX ( XXXX ) states liens must have a full name, address, SSN ( full SSN, not partially or completely redacted ) and/or DOB to be reported on anyone 's credit file. You can see the attached tax lien does not meet the XXXX new rules that went in effect XX/XX/XXXX. In my last dispute in XX/XX/XXXX, I added a note to TRANSUNION which stated that it does not meet the new XXXX XXXX rules, but they did not remove it. 

I 'm requesting CFPB 's assistance in getting this tax lien completely and permanently removed from my TRANSUNION credit report. 
Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently used Experian to check my credit score. It claimed to have a free credit check and then didnt include the actual credit score. That was for an additional {$1.00}. I signed up for it, without it being clearly marked that it would be {$19.00} + tax after 7 days. I called them and they claimed it wasnt fine print, but I find it unclear and false advertising for receiving a free credit score. This happened on Tuesday, XX/XX/XXXX, and my credit card was charged {$21.00} the week following. They took advantage of me thinking it was a free credit report. My husbands financial advisor recommended them, and I feel theyre taking advantage of individuals who are simply curious about their credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Problem lies with XXXX & Possibly other bureaus. I got information corrected on 4 accts N past 2 yrs & have done everything 2 build back score. XX/XX/XXXX topped @ XXXX, then up/ dn but close & XXXX as of XX/XX/XXXX. Now XXXX put incorrect info back on report & score dn to low XXXX. I have only made positive moves & last month XXXX & other Bureaus saying way to go & reported 36 + on-time pmts. Just paid off XXXX Acct. getting title out of my name & that was about {$31000.00} should be down on auto loan to XXXX bout XXXX. The 4 disputes today were removed or changed in past 2 yrs. but now incorrectly reported again. Please amend to accurately get score back above 700 with all bureaus. Also am paying off 3 or 4 other accts. By end of year.
Product: Checking or savings account

My account balance with  XXXX   XXXX  was  discharged in a Chapter   XXXX  Case #  XXXX  filed   XX/XX/XXXX  an d converted to a Chapter  XXXX   XXXX  filed   XX/XX/XXXX .  To date Chex Systems has continued to report my account negative. I was granted relief from this debt and I want the account removed from Chex Systems immediately.
Product: Credit reporting or other personal consumer reports

my credit report has inaccurate and invalid data that is reporting to my file. I am a victim of identity theft and all accounts listed has been reported for deletion to fix and correct my credit report. these accounts does not follow the FCRA rules.please review an remove the listed accounts asap
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint to XXXX  and received a form letter. It is evident XXXX  didn't read or was to lazy to respond maturely. The complaint was specific but XXXX  replied back - Unfortunately, at this time, we are unable to process your disputes, as they are not specific. 
Perhaps they just have people that don't know how to respond other than pushing a button to send form reply outlined by others. So as a test, I will submit the complaint again. My complaint and request was - Credit Reporting Agencies have stated that a verbal permission to access a credit report is allowed for a company. May I have the section in the FCRA that allows verbal permission for a company, not a person, to access consumers private credit report? 
Is the CFPB a waste of money?
Product: Student loan

Summary : was told I was on autopay, but still was required to make manual payments resulting in loans not being paid on time. 

On XXXX XXXX I logged into my online portal for Edfinancial and paid for my due amounts and signed up for Auto Pay. 
I received an email confirming I signed up for Autopay, and that my start date would be in XXXX. 

Fast forward to XXXX I receive notice that I am late on payments and have not paid for XXXX Loans. 

I look in the Portal everything is configured correctly with valid payment info. I submit a payment to cover the fees in a one time using the same payment info and it processes. 

I call in to confirm I am enrolled on Auto-Pay, and am informed that despite signing up for Autopay I needed to make the next two payments manually. I double confirmed that despite saying Autopay Started in XXXX, I would need to make my next two payments from that date manually and the agent double confirmed. This was not stated anywhere in the online process for Auto Pay enrollment and is super misleading. 

I was then told because I was " late payment '' I would need to reenroll in autopay, so despite all the details showing correctly in the XXXX for AutoPay I needed to restart it and then once again manually pay for the Auto Pay for 2 months. No where in the online process was this stated. 

This is either deceitful or insanely negligent and incompetent, neither of which are acceptable when people 's finances are on the line.
Product: Credit card

XXXX payment made with check XXXX, money order XXXX, only got XXXX paid on my account, only XXXX of a XXXX money order was applied to my acct.therefore XXXX of my payment is owed me by citibank at this time.In XXXX I paid XXXX by check, the statement in XXXX was XXXX balance .So I have paid XXXX at this point and should be more than paid up on this acct. at this time and so far they have yet to fix my acct.I haven't heard from them since I faxed my documentation to then on XXXXbefore I faxed said docs.I sent them via snail mail and also on line they kept telling me they didn't get them, I did that three times, before I finally paid to fax them.all I want is credit for the money I have paid.I will send you my docs.
Product: Debt collection

I received a letter on XX/XX/XXXX. Stating I had 48 hours to pay XXXX dollars plus XXXX in interest for a total of XXXX dollars to a company called XXXX XXXX. The letter stated they are representing a company called XXXX XXXX, who I rented a townhouse from in XXXX. This is the first I have heard of this debt, so I called and the person whom I spoke with offered no information. Just threatened me and put me down with insulting comments
Product: Credit reporting, credit repair services, 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. XXXX Account # FRONTLINE ASSET STRATEGY ) 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 account without my written permission XXXX and XXXX n has stated Frontline Asset was verified has failed to show proof of verification on more than XXXX disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a mortgage loan and my credit report showed a charge off for an amount that was included in the bankruptcy I filed in XX/XX/2008. XXXX  XXXX XXXX reported the amount which was included in the bankruptcy. This adversely effected my credit score and I was denied the loan. XXXX XXXX XXXX is reporting this false information to all the credit agencies and it is causing my credit score to drop significantly.
Product: Student loan

Based upon information ( both verbal and written ) that I have received, I was told loans that originated with XXXX sold loans to Discover, due to issues with handling the loans, and poor financial management. I contacted Discover student loans and requested that they send me the following documents : - Agreement with the prior holder of the alleged debt that grants Discover the authority to collect - Agreement that bears the signature of the debtor, showing payment to the creditor - Name and address of creditor - Name of the debtor -All account numbers -Amount of debt -Date the debt became payable - Verification of assignment that a debt was sold to Discover -Complete account history of the debt I requested this information as a Request of Validation, not as verification. I have made this request verbally on the phone on XX/XX/2017 and i also sent a letter to Discover and the office of XXXX XXXX with Discover. I have yet to receive any documents and/or correspondence. When speaking to the manager, on XX/XX/2017, she indicated that I have been paying all the loans, and that is proof enough, which is incorrect. I am requesting the information because I believe that there serious issues surrounding Private Student loans and Fraud.
Product: Credit reporting

Experian provided me a report # XXXX that Said XXXX XXXX told them that the item on my credit report meets the requirement of the Fair Credit Act XXXX XXXX has a permanent FTC & CFPB order against it See page XXXX paragraph XXXX also green tree did not accept a certified letter return receipt requested nor write back I sent Experian a copy of the consent order, certified return receipt requested and they signed for it on XXXX XXXX all files are attached if the FTC CFPB consent order attached means any thing Sanction Experian for thumbing their noses at you.
Product: Mortgage

Dearest sirs ... 
The above servicer ( Carrington Mortgage Services, working for XXXX XXXX XXXX  XXXX   XXXX ), sent a third party company to my home/homestead and trespassed onto my property, then pounding on my door, arrogantly stating " they are seeing if anyone was living at my home ''. 
I took the third party 's company name, the agent 's name, and filed a police report with the XXXX XXXX police department. My 4th ammendment rights were disregarded. This has caused me great stress. My attorney ( XXXX XXXX XXXX ) has been made aware of this. 

The original hardship on my mortgage was due to the usurious 11.8 % interest rate. I am offering a final payoff settlement of {$650000.00}. The original loan was {$310.00} in 2007. The financial crash causing a need for a lower interest rate. All efforts to come to a final resolution have fallen on deaf ears, i.e mediations, modifications, etc ... 
My mortgage has been through numerous banks and servicers the past twelve years. I can only imagine how many times it has been sold and resold. Carrington Mortgage Services is demanding the 12 years accrued usurious interest of 11.8 % payoff, being {$850000.00}, all the while attempting foreclosure. 
I believe my final payoff offer of {$650000.00}. Is fair and just. It would take me 60 days to expedite. 

Thank you for your kindest help in this matter. 
A prayer of blessings to all involved. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Mortgage loan # XXXX Original XXXX Loan # XXXX Original XXXX # XXXX
Product: Debt collection

Person Called claiming to be apart of the CBE Group trying to collect a medical Debt for my child that is fully covered under XXXX. Tried saying it was for a hospital in a location that he has never been. They were trying to get a lot of information that did not pertain to my child like my social, DOB, Address. They also refused to answer any of my questions when I wouldnt give them my info and then they just hung up on me. Now I continue to get random calls from different number and when I answer I get no one on the other end. When I call back it takes me to the CBE group number. Very annoying.