23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Our mortgage was transferred to GreenTree Servicing in XX/XX/XXXX/XX/XX/XXXX. There were confusing documentation sent from both XXXX and Greentree in regard to who and where payments were to be sent. I never rec 'd a payment booklet nor an actual statement. I waited and sent a payment in XX/XX/XXXX. The item I did receive from GreenTree said " Informational Statement '' an " This is not a bill '' ... .I paid in XXXX, XXXX, XXXX ( which they held the check long enough to charge a late fee to my account ). But in XXXX, they ret 'd my check and refused the payment that was above the amount of my house payment. SInce transferring my mortgage to GreenTree, it has been a constant complication. I have tried to deal with them but even completed a " loss mitigation/modification pkt '' in order to settle this issue. I have not been informed of the result, p/there statement but instead rec 'd a letter from a lawyer informing me my house would be up for foreclosure on XX/XX/XXXX. Essentially, we never had a prob prior to Green Tree and I have offered and tried to make payments but they have refused to take them making me further behind and adding ridiculous charges/fees. I need help to deal with these people or advice on how to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Conn 's is reporting a closed account as open and 90 days past due when the loan has been closed since XX/XX/2018. I am disputing these past due reporting on my credit reports due to miscommunication with their reps in the store. After Hurricane Harvey I called over the phone to file an insurance claim and was told I had coverage and needed to visit a store. When I arrived at the store, I was told I didn't have insurance when in fact I did. The furniture was a total loss after the storm and I was a victim of a natural disaster. They later stated I did have insurance and paid the remainder of the loan with the insurance. I should not be responsible for late payments or past due reporting on my credit due to misinformed store personnel
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint concerning the repeated issues I have encountered with the delayed correction of my payment records and the persistent presence of charge-off accounts on my credit report. Despite my previous attempts to resolve these matters, I have faced ongoing difficulties which have not been satisfactorily addressed. I have submitted corrections for delayed payments on multiple occasions. Despite assurances from your team, these corrections have not been reflected in my credit report in a timely manner. This delay has adversely affected my XXXXredit score and my ability to obtain credit on favorable terms. There are charge-off accounts on my credit report that should have been removed following my disputes. These accounts have been erroneously reported and persistently appear despite providing the necessary documentation to prove their inaccuracy. The presence of these charge-offs has caused significant financial and emotional distress. 
Previous Correspondence and Actions Taken : Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy of the information you report. The continued presence of these inaccuracies is a violation of my rights under the FCRA. Please help me correct the late open and remove the charge off accounts immediately : XXXX XXXX XXXX  XXXX Balance : {$35000.00} - Please check the Payment History and Status information on this account and adjust accordingly. 
XXXX XXXX XXXX XXXX : {$9400.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. 
XXXX  XXXX XXXX XXXX Balance : {$440.00} - This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy. 
XXXX XXXX XXXX : {$460.00} - XXXX requested an investigation and the removal of the charge- off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 
XXXX XXXX XXXX : {$3600.00} - This particular account is undoubtedly placed as a charge- off account, make sure you tell me the reason why an {$3600.00} balance is indicated on the statement that its charge-off. The balance is truly incorrect. You have to withdraw this from my file. 
XXXX XXXX XXXX : {$0.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it. 
XXXX XXXX XXXX : {$0.00} - The limit to this account was a fraction of the amount due as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Product: Credit reporting

1. I have been un-successfully trying to submit a dispute for all XXXX XXXX union auto loans as agreed to by XXXX in the attached e-mail. Also the history records, and the entries need to be taken out of " potentially negative '' results. There are XXXX separate accounts 2. I have been unsuccessfully trying to get removed the XXXX account, " recovery '' item also agreed to by XXXX to remove in the attached e-mail Thank you for your help XXXX XXXX DOB : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX e-mail : XXXXXXXXXXXX phone : XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this formal dispute regarding the late payment entries on my credit report : XXXX XXXX XXXX - XXXX - {$1400.00} These records do not reflect my actual payment history and should be corrected. I have made multiple attempts to get this matter resolved, providing all relevant documentation and following up persistently, yet the errors remain. This situation has not only impacted my financial health but has also caused me a great deal of frustration and stress. 

The Fair Credit Reporting Act ( FCRA ) ensures my right to an accurate credit report. Any incorrect, outdated, or misleading information should be promptly removed or updated. I urge you to take immediate action to correct these records. 

Please prioritize this matter, as these errors are negatively affecting my credit standing. I look forward to your timely response.
Product: Bank account or service

My wife and I applied for a Home Equity Line of Credit ( HELOC ) with US Bank on XX/XX/XXXX. We used US Bank 's online service. We received an online response approx. XX/XX/XXXX with a welcome letter from XXXX XXXX from US Bank. The letter explained the process and required documents. Letter stated that XXXX would also be a contact for our loan. From approx. XX/XX/XXXX - XX/XX/XXXX we supplied req. documents to US Bank through their online platform and through email. Rec. information the HELOC was in the process on approval around XX/XX/XXXX. Never heard from US Bank for approx. 25 days. Emailed for a follow-up with XXXX on XX/XX/XXXX and rec. no response. Talked to XXXX on XX/XX/XXXX and XXXX stated the our HELOC information had been lost or can not be found. We would have to start the entire process over again. I told XXXX that I did not want to start loan process over. 
I emailed XXXX on XX/XX/XXXX, with information that our loan was showing " in-progress '' on US Bank website. Asked XXXX again if we could proceed with loan. Asked for follow-up and never rec. response back from XXXX A couple of concerns : 1. What happened to our sensitive document information that was sent to US Bank? Was our security compromised? 2. Could we have been discriminated against, for some reason? 3. Some of the worst customer service I have ever experienced. I want answers from XXXX and US Bank as to what happened with the process and our information. I feel and experienced that XXXX/US Banbk literally did not want our business.
Product: Credit reporting or other personal consumer reports

Per the Federal Credit Reporting Act as a federally protected consumer, per 15 USC 6802 I'am now OPTING OUT of ANY AND ALL Authorization I, the consumer may have given to XXXX XXXX XXXX acct # XXXX written, unwritten, verbal or non verbal to report my nonpublic personal information. XXXX XXXX XXXX acct # XXXX is in violation of the Privacy Act of 1974 as well as 12 CFR 1022.24 Reasonable opportunity to opt out because I was never notified by XXXX XXXX XXXX acct # XXXX that my nonpublic personal information was going to be shared to non affiliated third parties such as XXXX, XXXX, and Equifax. I was NEVER GIVEN THE CHANCE TO OPT OUT. Also, 15 USC 6508 states that I have the option to opt out of any account reported to my credit report and I am supposed to receive an opt out notice every XXXX ( XXXX ) days which XXXX XXXX XXXX acct # XXXX never sent to me. I am hereby exercising my rights under 16 CFR 313.7 Form of opt out notice to consumers. Also, XXXX XXXX XXXX acct # XXXX violated the terms and conditions within their banking agreement, because XXXX XXXX XXXX acct # XXXX states that they do not provide consumer information to third-parties which they violated by reporting my nonpublic personal information to the credit reporting agencies listed above. According to 15 USC 6802 B ) I am supposed to receive XXXX different disclosures before my nonpublic personal information is shared but I never received notice. I also realize that my account is being sold on the secondary market without my consent and if this account is not removed from my report within XXXX hours. I will file a SEC complaint. I will be forced to get an audit report done on my auto loan if this account is not removed and under law this is a charge off account and charge offs is considered income and income can not be listed on any credit reporting agencies.
Product: Credit reporting or other personal consumer reports

I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXX XXXX, FMC-OMAHA SERVICE CT XXXX and XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

See attachments These were sent to all 3 credit Bureaus. They all put a fraud alert on my file with out my knowledge. This is against the law and the FCRA standards. They also put a bogus phone number on there as well that I am not associated with. They did this because all of these bureaus were reported for not deleting Hard inquiries on my credit file that I did not authorize and they can not prove any signature or ID to back there investigation up. There was no investigation done by anyone. They have been warned and I need someone to do something about there Fraudulent behavior. I need this taken care of with in 10 days. They have received 12 different letters about removing the hard inquiries each. I have dont my part and they will not screw up my life any more.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request in response to a letter I received from XXXX and TransUnion Credit Bureaus that they wont process my request to dispute inaccurate information in my credit file. The information Im disputing is INCORRECT & I NEED THESE MATTERS HANDLED IMMEDIATELY. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. I request that XXXX and TransUnion Credit Bureau must investigate and delete these fraudulent Items as soon as possible. 
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 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 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: Student loan

I graduated from XXXX school and immediately consolidated my XXXX and XXXX loans through XXXX who then sold to Great Lakes and began making payments. I applied yearly for the income-driven repayment plan and was approved. I made payments on time every month through direct deposit for 7 years. My loans were never in deferment. 

I recently discovered that after 25 years my loans will not be forgiven because of making greater than XXXX a year. I have paid XXXX over the past 7 years and my principle is still the same as when I started and I've accumulated XXXX in unpaid interest. I feel misguided and taken advantage of. Essentially its been a 7 year and XXXX loss for me. I was under the understanding that if I make my income driven payments on time for 25 years that my student loans would be forgiven. 


Since discovering this I've refinanced through XXXX  at a lower interest rate. I had to combine my principle to the XXXX of interest and now I'm paying $ XXXX/month for 20 years. That XXXX of interest is now collecting interest again through my new plan. 


I didn't know that it was legal for a company to have you yearly apply for income-driven, be approved, and given a monthly payment that didn't cover the cost of interest. What would have happened after 25 years of payment when I thought my loans would be forgiven? Essentially I'd have the same principle I started with and XXXX of unpaid interest. I am so discouraged, disappointed in the guidance or lack thereof provided by Great Lakes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Credit Reporting agency has not complied with Section 605B of the Fair Credit Reporting Act Which requires them to block fraudulent information on my report. Instead they continuously keep submitting disputes with no resolution. I have exhausted numerous hours and phone calls trying to have them to comply and remove and block the accounts. The representatives have poor English and continue to put me on hold only to come back on the line and state that they are waiting for a dispute resolution. There will never be a resolution. The fraudulent accounts that remain are as follows .... 

XXXX XXXX XXXX XXXX XXXX XXXX Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax has been forwarded a copy of my identity theft report / police report but continue not to comply or remove the fraudulent accounts. I have called them over 10 times to include communicating with their fraud department as well. This agency is not cooperating with me in anyway.
Product: Credit reporting or other personal consumer reports

I requested multiple times to get my statement that was missing with a closing date of XX/XX/XXXX and a payment due date of XX/XX/XXXX. No statement was mailed, and they stated that no statement was generated for the month of XXXX, and they are refusing to provide that XXXX statement and receipt, as well as reporting it accurately for the correct month. I made the payment in XX/XX/XXXX for {$60.00} on the phone with XXXX XXXX, and it should have been on my printed and mailed Us First class statement. The XXXX statement remains missing and it is my legal right to have a proper receipt on the correct month. I am being denied access to also having this reported accurately to the credit bureaus. Lexis nexis also continues to be a problem. 

Additionally, I did not receive my statement for XXXX closing date of XX/XX/XXXX with a payment due date of XX/XX/XXXX. I made a payment of {$52.00} confirmation XXXX and a separate payment of {$440.00} confirmation XXXX to be on my closing date of XX/XX/XXXX and payment due date of XX/XX/XXXX. On XX/XX/XXXX, I spoke to several people including XXXX and XXXX, and XXXX form XXXX, XXXX. Additionally, they transferred me to XXXX, the supervisor and there was no resolution, and I filed the complaint while I wwas left on hold for XXXX hour before I submitted this complaint. Please respond by US mail as XXXX has my email lockdown right now, while trying to recover my email. i do not use my email with XXXX and do not want it used on my accounts with the exception of the back office only for ID purposes. 

I do not have any online banking whatsoever and do not intend to do so. It will be fraud if my email is used for any banking purposes such as an online account. I receive all paper statements only on all my accounts, including my missing car loan that XXXX should have reported as well, and all this infor was provided to them a miultitude of times. Please respond by US Mail. I will be out of the country between XX/XX/XXXX and XXXX, XXXX. Please extend the time to respond to any additional requests by the CFPB. I have someone at the house, but they will not be able to reach me. Please notate these on all my existing complaints/ accounts with the CFPB XXXX 

Multiple times I provided the Police report XXXX XXXX and cell XXXX. It is for identity theft and misidentification filed on XX/XX/XXXX. To this day, no identity theft packet has been mailed to me by XXXX.
Product: Debt collection

This is a Notice of Direct Dispute under the provisions of FCRA 623 ( a ) ( 8 ) ( D ) and 16 CFR 660.4, of the accuracy of information you have reported to my credit file.

After reviewing my credit report I have found Great American Finance is reporting an inaccurate account and information to the credit reporting agencies regarding my account. I have disputed the debt multiple times to no avail. I have sent multiple letters of debt validation and have not received any definitive proof. I did not open these accounts that were purchased. I never signed anything or submitted my information to go into contract with this company.
Product: Credit reporting or other personal consumer reports

Inaccurate information has been posted to my credit file due to identity theft. I have received letters from different companies stating that my information has been compromised. Ive sent out communications to all XXXX credits bureaus notifying them of there misconduct, reporting inaccuracies especially without my consent. I demanded to cease and desist, and that the inaccurate information be removed. However, they removed some information and then reapplied it to my credit file without any notification. I have suffered defamation of character, discrimination and extensive damages due to inaccurate reporting. I do not recognize the information on my credit file, I have not made any updates to my profile, and I do not authorize any information posted without my consent. The companies involved are ; ( Transunion, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX and XXXX. ) This is securities fraud and identity theft.
Product: Credit card or prepaid card

I am writing to express my deep disappointment and frustration regarding the failure to receive the XXXX bonus miles that were promised to me as part of a promotional offer from Barclays US credit card. Despite multiple calls to customer service department and assurances from representatives, I have yet to receive the bonus miles that I was eligible for after hitting a {$3000.00} spending threshold within the first three months of card activity. 

I applied to the Miles and More credit card in XX/XX/2023 that is a card that comes with a costly annual fee and with great anticipation, mainly due to the enticing offer of bonus miles, which were a significant factor in my decision to choose the card over other alternatives. As a loyal customer, I have made every effort to comply with the terms and conditions of the promotion, carefully monitoring my spending activity to ensure I reached the required spending threshold within the specified timeframe. 

I reached out to customer service department 3 times since hitting the threshold and 3 months waiting time period to inquire about the status of my bonus miles. The representatives I spoke to all confirmed that I had indeed met the spending threshold and was eligible for the bonus miles. They assured me that the miles would be credited to my account within a reasonable timeframe. Despite this assurance, the bonus miles have not been reflected in my account to this day. 

Since then, I have made several subsequent call However, no action has been taken to rectify the situation, and the promised miles remain conspicuously absent from my account statement.
Product: Checking or savings account

I recently traveled on XXXX XXXX line I had to travel for a funeral well the plans changed and I had to stay a bit longer then expected and well I had contacted XXXX and they said it would not be a problem and I would have to only pay a {$20.00} fee for me that was not an issue well I go to the bus station like they ask me and well they told me it whould costs me around {$86.00} for this so I payed it the bus station said oh just call XXXX they will refund your old ticket for changing ticket so I called XXXX and got absolutely no ware and the customer service line was very rude so I thought I will make a claim though my bank and they bank give me a response that I have to take it up with XXXX and XXXX is now telling me to take it up with my bank I need a resolution to this
Product: Credit reporting, credit repair services, or other personal consumer reports

LOANS WAS FINALLY DISCHARGED IN XXXX RELATED TO ALL XXXX XXXX AS XXXX XXXX WAS ONE OF THEM. I WANT TO MAKE SURE EXPERIAN REMOVED THE DEBT OFF MY CREDIT REPORT, AND THE SAME ORDEAL WITH XXXX AS WELL AS XXXX IF THEY HAVE NOT ALREADY DONE THAT ALREADY. 

DEPT OF ED / XXXX Reported : XXXX. XXXX, 2016 + {$0.00} Closed DEPT OF ED / XXXX Reported : XXXX XXXX, 2016 + {$0.00} Closed DEPT OF ED / XXXX Reported : XXXX XXXX, 2016 + {$0.00} Closed DEPT OF ED / XXXX Reported : XXXX XXXX, 2016 + {$0.00} Closed DEPT OF ED / XXXX Reported : XXXX XXXX, 2016 + {$0.00} Closed DEPT OF ED / XXXX Reported : XXXX XXXX, 2016 + {$0.00} Closed DEPT OF ED / XXXX Reported : XXXX XXXX, 2016 + {$0.00} Closed DEPT OF XXXX / XXXX Reported : XXXX XXXX, 2016 + {$0.00} Closed DEPT OF ED / XXXX Reported : XXXX XXXX, 2016 + {$0.00} Closed XXXX Reported : XXXX XXXX, 2016 + {$0.00} Closed XXXX Reported : XXXX XXXX, 2016 + {$0.00} Closed XXXX Reported : XXXX XXXX, 2016 + {$0.00} Closed