23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have access to the three reporting agencies : Experian, XXXX and XXXX. 
Of the three, Both XXXX  and XXXX have me with a score of XXXX! 
That is a very respectable score. 
When I go to my Experian site it keeps telling me they can not show my score yet because I don't have one! 
This is hurting my overall credit and my abilty to obtain new credit cards and accounts, which I can use to improve my overall credit. 
I am told by all three that I need more accounts and age of accounts to improve my score. I need a couple more decent unsecured credit cards but can't get them because Experian will not put my score on the site and most creditors use Experian. 
They have in a round about way, offered me a score if I pay them a monthly fee. This is XXXX! 
I have enclosed snapshots of my XXXX  and XXXX  score as well as what Experian shows to any creditor that is looking at Experian for my credit! 
My credit history though short is PERFECT! Perfect..No derogatories ... .etc. 
This is why President Biden wants to take this Power away from them and place it in your responsible hands .... 
It is like Myself and people like me are being held hostage! They want money to show my score! This should not be tolerated not allowed! 

IT IS VERY INTERESTING TO NOTE THE FOLLOWING. 
EVERY SINGLE TIME I LOG INTO MY EXPERIAN ACCOUNT THEY FORCE ME TO CLICK TWO TIMES TO GET TO THE SITE. 
WHY? BECASE AFTER THE LOG ON ATTEMPT THEY PUT ME ON A PAGE OFFERING TO UPGRADE ME AND HERE IS A CUT AND PASTE OF PART OF THE OFFER. 
NOTICE THAT I AM OFFERED THE THREE FICO SCORES WHICH THEY WONT GIVE ME ON MY REGULAR FREE MEMBERSHIP AND TELL ME IT IS NOT AVAILABLE..BUT IF I PAY I CAN GET THE FICO SCORE FROM THEM ... ... 

THEN I HAVE TO CLICK ON THE " NO KEEP MY CURRENT MEMBERSHIP BUTTON AND AM THEN DIRECTED TO LOOK AT MY CREDIT AND MY ACCOUNTS AND THEIR STANDING. 

Upgrade your membership to include : Annual 3-Bureau FICO Scores* 3-Bureau Credit Monitoring and Alerts Daily FICO Scores Based on Experian Data Increase your FICO Score with Experian Boost FICO Score Tracker Experian CreditLock with Alerts Lost Wallet Assistance Credit Cards and Loans Matched for You XXXX  AND XXXX  OFFER MY SCORE FOR FREE ... .WHY IS EXPERIAN EXTORTING ME? 
THE THREE AGENCIES GET MY SCORE FROM THE SAME PLACE SO HOW CAN EXPERIAN SAY THAT MY SCORE IS NOT AVAILABLE? THEY ARE LYING TO GET ME TO PAY {$14.00} A MONTH FOR IT. 

PLEASE GET THEM TO PUT MY SCORE ON THE SITE SO THAT CREDITORS SEE IT WHEN THEY LOOK AT MY CREDIT.
Product: Debt collection

On XXXX XXXX 2016 I saw a company calling themselves Enhanced Recovery Company come up on my credit report. They say I owe them {$420.00}. I received a phone call from them asking me if I wanted to pay to delete this off of my report. I told them this was not my debt. It 's been a year and it is still on my report messing up my credit score.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute XXXX XXXX XXXX unauthorized account opened in my name with XXXX XXXX in 2021, which I believe is the result of the Equifax XXXX breach. I did not open this account, nor did I authorize anyone to do so on my behalf. This account is negatively impacting my credit score and is preventing me from obtaining new credit.Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair and Accurate Credit Transactions Act ( FACTA ), I have the right to dispute inaccurate or incomplete information on my credit report. I am requesting that XXXX XXXX conduct an immediate investigation and remove this fraudulent account from my credit report in compliance with these consumer protection laws.Additionally, per FCRA 605B, upon notification of fraudulent activity, XXXX XXXX XXXX are required to block the reporting of information resulting from identity theft within XXXX business days. I have included a copy of my FTC Identity Theft Report, proof of identity, and a recent utility bill to support my claim.This account was opened without my consent and is therefore in direct violation of my rights under federal law. I expect Credit Strong to act in accordance with the law and promptly correct this error by removing the fraudulent account from my records.Please provide written confirmation once this account has been removed from my credit report. If additional information is required, please contact me immediately.Thank you for your prompt attention to this serious matter.
Product: Debt collection

I wrote a letter on XX/XX/XXXX to the company to verify/valid debt but they have not written back to me. 

Per FCRA, the law states that they have 30 days to verify, if they are unable to verify the debt that is mine showing my signature, id anything that validates that it is my debt, they must delete it or I have the right to contact my state general attorney and file a complaint to the FTC & XXXX.
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX on XX/XX/XXXX. However, due to a medical disease, I ended up having to remove my left eye on XXXX XXXX. Needless to say it was just a few days after I purchased the truck I became disable. I am now receiving XXXX due to XXXX, but I can XXXX XXXX. My initial car payments was originally {$840.00} due on the 25th of every month which was not a problem because I worked and I made the money in order to pay this but now I am on state XXXX, because of my XXXX, and. The finance company just keeps adding on the interest. My payments are not going down. I paid every week but none of my payments go anywhere and they do not try to work with you. I make weekly payments and its still not good enough for them. They said that I have broken payments but its not true and you dont know who to believe you talk to someone different all the time and everybody says something different. This is a set up for failure. They have tons of complaints. People complain about the same thing its not right that they can just do this to people especially when youre trying to keep the stuff that you purchase Then they say they send letters that I never get you cant see anything on the websites besides the payments that youve made and I pay for my bank account so I can see them but they dont make it easy to work with you they are very rude and they can care less. I am still trying to keep my car. I just wish somebody can help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 DEPT OF EDUCATION/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 XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had opened a Coinbase account in 2015, when I was residing in the US and stopped using it that same year. My email account used for login and 2 step verification was deleted, so I lost access to my Coinbase account.
When I first contacted Coinbase to recover my account based on my personal information, they sent me an automatic message saying that they were having a heavy load of issues to solve, and giving me a list of links to try to solve my problem.
The only way for me to recover my account at this time is by contacting an actual customer service agent, who will look at the new account I created, and the documents I submitted for ID verification, and to link both of those accounts so I can recover my bitcoins.
I have been contacting them every other day for more than 3 months and got absolutely no answer from an actual person.
I need these Bitcoins back. This is my money we are talking about, not some joke.
I would appreciate some help, if possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed complaint ID # XXXX against Navy Federal Credit Union ( NFCU ) for fraudulent white collar mortgage fraud and RICO statute against me. You received a very eloquent and prevaricated response from XXXX XXXX ( NFCU ) Supervisor, Mortgage Default Management, XXXX, extension XXXX. 
She stated that NFCU never transferred {$5000.00} from any of my bank accounts to my mortgage which is not what I claimed. I said someone in NFCU had been entering my accounts and electronically transferring money under the guise of fees and payments without benefit of a clear delineation of who authorized what action and where the funds were being placed. 
The {$5000.00} that is pertinent to my account was removed by means of collusion with XXXX XXXX for a foreclosure that never took place which is financial fraud and a federal offense. NFCU from the CEO on down were privy to the opening and closing of Escrow # XXXX, on XXXX XXXX XXXX. Someone in the NFCU chain of command decided that not only would they pilfer money under the guise of legitimacy, they also reported the sale of my house as, " foreclosure redeemed. '' There was no foreclosure or abandonment of my house. I sold it in preparation to move to another state for imminent employment. 
Please send my the necessary CFPB form so I can provide you with written and/or electronic endorsement to audit my NFCU bank records for aggregate evaluations of any and all transactions. This is not an isolated incident. NFCU has shown the propensity to commit acts of bank fraud and financial collusion against a myriad of its member/patrons. Please refer to the following website for documented elements of alleged financial crimes and customer complaints. XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My husband had a USAA credit card ; he died on XX/XX/2021, so I closed all his credit cards. I had no problems, usually faxing a certificate of death, if that. USAA has been IMPOSSIBLE to deal with! I have a {$130.00} credit balance, and they are refusing to return it, and instead send me a monthly statement showing the credit. I called the customer service telephone number the statement provided then spent over an hour and a half this morning dealing with no less that four people. We had faxed in XXXX the death certificate ; now USAA wants a copy of my being my deceased husband 's Personal Representative. I was able to upload a three-page document completed by my attorney, but USAA refused to accept it since it didn't show the notary public 's appropriate information. I don't know what else I can give them. 

No other credit card company has been this difficult to deal with! USAA owes me {$130.00} and I will never see it.
Product: Checking or savings account

I opened a XXXX checking account in XXXX XXXX using the promotion code XXXX. This code promised that if I used the debit card for {$1000.00} of purchases as well as set up a bill payment for XXXX consecutive months, I would receive XXXX XXXX XXXX XXXX miles. After the account was opened with {$52000.00}, I telephoned XXXX to make sure all was in order and give them my frequent flyer number. They assured me all was in order but in order to record the frequent flyer number I should call XXXX, the XXXX direct line which I did. The person on that call also assured me all was in order and took my frequent flyer number. 

Once I had executed the requirements and the appropriate period ( plus ) had passed I called to find out why the miles had not been posted and received an encrypted email on XXXX XXXX, XXXX saying I would not receive the miles because it was a 'targeted ' offer. I honestly do not remember where I got the code, but I have to assume it was a mailing from Citibank - where else would I get it? But at no time - when I applied to open the account or either time I called to make sure I was correct about the terms and provided my frequent flyer number - was I informed that Citibank had a problem with my eligibility. In fact quite the opposite. 

I have left the money in the account and recently read about the CFPB assisting in just such a matter as this.
Product: Vehicle loan or lease

XX/XX/XXXX I called credit acceptance company and told them I couldnt make payments anymore and they could come repossess the vehicle. I let them know I was relocating out of state in XXXX and would like it taken care of by then. I made multiple calls back in between XXXX to XXXX for them to pick up the vehicle. On XX/XX/XXXX I received a confirmation call the the vehicle had been reposted from the driveway of my old home. I had already moved at this point. My credit report was updated the following month showing it as a closed settled account. It sat there as a closed settled account until XX/XX/XXXX when it randomly showed up as an active loan with missed payments on my credit report. I have contacted the company and they are now stating they we never repossessed the car. They claim it never showed as settled. This is incredibly frustrating and illegal.
Product: Credit reporting or other personal consumer reports

As Per the FCRA as a federally protected consumer. I am now opted out of any and all authorization. I the consumer may have giving you written unwritten verbal or non-Uverbal, per 15 USC 6802. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. As Per the FCRA as a federally protected consumer. I am now opted out of any and all authorization. I the consumer may have giving you written unwritten verbal or non-verbal, per 25 USC6802, 15 usc 6803.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX. 
XXXX, TX XXXX. 
XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA : XXXX Re : Formal complaint regarding the credit card payment system Glitch and incorrect credit reporting Dear Sir/Madam , I am writing to formally file a complaint against [ Bank Name ] regarding a serious issue with my credit card account and the inaccurate reporting of a 30-day late payment to the credit bureaus. Despite my best efforts to resolve this issue with the bank, I am still facing difficulties, and I believe their system is at fault for the error. 

In XXXX of this year, I made an electronic payment on time through the banks online system. However, a glitch in their system returned the payment. Upon realizing this, I immediately remade the payment, but it also failed to go through due to the same system issue. After identifying the problem, I contacted the banks customer service and subsequently made a payment over the phone. Despite this, the bank incorrectly reported me as 30 days late on my account. 

Since this issue first arose, I have followed all instructions provided by the banks customer service team. I contacted my bank, and they confirmed that the funds were available during payment attempts. However, [ Bank Name ] failed to make any attempts to withdraw the payment electronically. Despite my efforts, the issue remains unresolved, and the late payment continues to impact my credit rating.

I have filed two complaints with [ Bank Name ]. After the first complaint, they removed the late payment from my record, only to reverse that decision later without explanation. Despite filing a second complaint, the issue remains uncorrected, trapping me in a frustrating cycle of customer service conversations with no apparent resolution. 

I believe this situation is a result of the banks system error, and I have sufficient records showing that I made the payments within the required timeframe. It is incredibly disappointing that this process has been so difficult, and I have been unable to reach anyone in the banks decision-making team who can resolve this matter. 

I respectfully request that the CFPB assist me in getting this issue resolved. I am asking for the correction of my credit report, the removal of the 30-day late payment, and the ability to continue making payments through the system like other users without issue. 

I appreciate your attention to this matter and hope that your intervention will help facilitate a fair and timely resolution. 

Sincerely, XXXX XXXX XXXX Regions Bank
Product: Mortgage

I work for the XXXXXXXX XXXX XXXX XXXX was XXXX on XX/XX/XXXX, XXXX.I called XXXX XXXX XXXX ( holder of my mortgage ) asked for a deferral for the XX/XX/XXXX payment. I was told that the investor whom they sold the mortgage denied my request because he doesn't allow any mortgage he holds to have deferments, even for hardship reasons. This seems unfair to consumers like me who had a VA loan which was then sold to a mortgage company, who then sold it to an investor. It is no longer a VA loan and I have no protection from this type of predator lending practice. 

I am seeking your help in this crucial matter for me and my family. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX
Product: Consumer Loan

I purchased a car about 3 years ago, with Toyota finance, I was involved in a car accident, the other Party 's insurance took cared of the pay off amount on my car, I tried purchasing another car in the same dealership, once they checked on my credit, the toll me that I have a charge off amount of {$7800.00} which is not true, I have documentation stating that I only own them {$470.00} which I 'm willing to pay if they help me by taking that charge off, off my credit because like I said its not true
Product: Debt collection

No matter how many disputes I send to portfolio recovery they send me the same information on this debt I allegedly owe to XXXX XXXX. They call me even though I told them to stop contacting me this debt is past my state 's statute of limitations and they still called me even after I put my phone number on the do not call list. One thing I noticed is portfolio recovery does not mail me any contract I allegedly had with XXXX XXXX just billing statements. Billing statements are by no means a contract. According to New yorks, statutes of frauds agreements must be in writing and Is signed by the party against whom the contract is to be enforced. I did not receive a contract with my signature from XXXX XXXX therefore I would like them to stop verifying this alleged debt to portfolio recovery and I demand portfolio recovery to stop reporting it to all credit reporting agencies.
Product: Mortgage

Trying to close on a XXXX with TD Bank. We were told in an email " You can schedule your closing at your desired location, time, and date, after XX/XX/XXXX. Please let me know what location and date you would like to close. '' We suggested XX/XX/XXXX ; we received the reply " I would not be able to hold this closing until XX/XX/XXXX. Documents on file will expire, I would also need to pull new credit and send the file back for underwriting review. '' When we asked for the specific closing date, we received the following reply : " You can schedule your closing the week of XXXX. Our branches are open except for XXXX. If you wait the following week I would need to pull all new documents, credit, title etc. '' We replied back : " To confirm : does this mean that XX/XX/XXXX is the expiration date and when we need to close by? 

I am aware that TD Bank is open next week ; however, that is a shortened work week combined with a holiday, meaning that it's logistically more difficult for us to come in to close that week. 

If we have to close by the XXXX, then Monday the XXXX at XXXX will work for us. '' This was on XX/XX/XXXX ; we never received a reply. We followed up with our local branch and were able to schedule a closing for this Friday. 

This was eventually resolved but I am concerned that we never actually received a straight answer to the question of when we needed to close by. If closing needed to happen by a particular date, why wasn't that mentioned in the original email, or any of the subsequent ones? If we were traveling this week, we might have had major issues trying to close this loan.
Product: Mortgage

Fell under financial hardship and needing a loan modification for our primary residence. 
Nationstar reps are giving different answers, solutions and timelines with every call making it difficult to make an educated decision on our primary residence. 
We are not receiving the documents Nationstar said they have sent and have to call and request them. Some of Nationstar requests have deadlines. Not having all the information to make a decision is difficult. 
We fear that because of the equity we have in our property, that Nationstar is not willing to work with us and taking advantage so they may profit. 
With the Nationstar modification we were approved for, they are moving our delinquent payments to the end of the loan but we do n't know if we pay interest again on those payments and Nationstar will not tell us what happens after the trial payment period of their modification. 
We have a detailed summary that is too large for this form.
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to inform you that I have provided all the requested information and proof regarding the disputed debt with the creditor in question. I sent them photographic evidence showing the issues in the apartment, including the presence of roaches and broken appliances that the property management refused to repair. These conditions were documented in photos and sent to the creditor, demonstrating that the property is not owed any debt by me. 

I have communicated to the creditor that the balance they are attempting to claim against me is due to my posting photos of these unaddressed issues. I believe that the property management is retaliating against me out of spite, as they are aware that I had issues with the condition of the apartment, which they failed to resolve. I have also informed the agency that I can provide additional information to counter the amount they claim I owe. 

Additionally, I am in the process of purchasing a home, and this debt, which is incorrect and unjust, is negatively impacting my credit score and hindering my ability to proceed with this purchase. Despite explaining this situation to the creditor, they dismissed my concerns, laughing and telling me that the debt will continue to harm my credit until it is paid. 

I am requesting your assistance in resolving this matter, as it is causing unnecessary damage to my credit and affecting my financial future. I would appreciate any help you can provide in ensuring this issue is properly investigated and removed from my credit report. 

Thank you for your attention to this matter. 
XXXX XXXX