23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage was sold to Greentree servicing. Due to medical issues, I fell XXXX month behind on my mortgage. I spoke with someone at greentree and told them I was planning to pay extra every month to catch up. I then became only XXXX behind. I then was put into foreclosure ... for being XXXX behind. I called greentree, they told me they mailed me a letter telling me to be current by a specific date. I never got this letter. They then stopped accepting payments from me, and told me I had to make pay all past due amounts at once. This included a check they cashed but put into holding, but did not reduce the amount I owed. It took a few months ( XXXX ) to get them to come up with the right amount that included that cashed check. I then attemped to pay the amount past due in total. I was informed that they sent an email to legal and had to wait for a response before they could accept payment in full. ( due to the foreclosure fees they needed to get info on ) I was constantly told to call back the next day, I did, eventually they began saying call back in a week, I did.. then it became nothing by being sent to voicemail and no one returning my calls. This occurred for a full year. I was then massively behind. At my wits end and months away from being kicked out of my home, I contacted XXXX. Only then did greentree talk to me about my mortgage again. They told me I only had XXXX option in the modification that extended my loan from XXXX more years, to XXXXXXXX XXXX! They then tacked on over {$10000.00} to my principle balance.. They claimed this was a charge for " capitol '' I now owe MORE on my mortgage than when I bought my home in XX/XX/XXXX. I contacted greentree to find out what this " capital '' was and they will only give the answer " Its just capitol on the mortgage '' That is not an answer. Bottom line, is that I had to modify a mortgage due to their negligence, and they get to add XXXX XXXX dollars to my principle balance. Contacting them has not gotten anything resolved. They went from being harassing and threatening me, to avoiding and causing extreme financial issues that could of been completely avoided.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/XXXX XXXX {$570.00} XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX XXXX {$910.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). To ensure compliance, the agency pursues an aggressive enforcement program aimed at the main players in the consumer reporting system CRAs, those who send them information, and consumer report users. The FTC has sued CRAs, charged companies with furnishing inaccurate information to CRAs, and charged users of consumer reports with failing to notify consumers when they make negative decisions about them based on a consumer report. underage with XXXX/XXXX/XXXX, XXXX XXXX, XXXX XXXX XXXX. The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. see attach ftc violations Fair Lending Laws and Regulations XXXX to Pay {$570.00} XXXX as Part of Settlement with FTC, CFPB, and States Related to 2017 Data Breach. FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigaie my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

The following accounts are marked as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I file bankruptcy on XX/XX/23 and received a XXXX XXXX discharge on XX/XX/23. The personal loan with XXXX was included in my bankruptcy. The loan is unsecured and was discharged. I file 2 credit disputes on XXXX and XXXX to have this removed since I did not reaffirm the loan. Both disputes have been closed and the loan is still reporting.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report. As per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I demand an immediate investigation and removal of these inquiries. 

The following inquiries listed on my credit report are unauthorized and were not initiated by me.

I have not applied for credit with these institutions, nor have I authorized these inquiries. Under 15 U.S.C. 1681i, you are required to investigate and correct inaccurate information on my credit report. I expect these unauthorized inquiries to be removed from my report immediately.

Failure to comply with this request will leave me no choice but to pursue further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and potentially seeking legal remedies for damages caused by these inaccuracies.

Please send me a written confirmation once these inquiries have been removed from my credit report. I expect a prompt resolution to this matter within the 30-day timeframe as mandated by the FCRA. 

Thank you for your immediate attention to this serious matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

{$9400.00} XXXX, XXXX XXXX. XXXX XXXX {$4000.00} XXXX {$1000.00} XXXX {$2300.00} XXXX PORTFOLIO RECOV ASSOC . Try to solve with them, no help. These collection agencies are altering the dates on the accounts, so it never goes away from my credit report.This is affecting my family welfare directly.
Product: Credit reporting or other personal consumer reports

Dear XXXX I am filing this complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) to formally request that you block fraudulent information appearing on my consumer credit report within 4 business days of receiving this letter. The inaccurate and false information on my report consists of the following fraudulent accounts and inquiries that were not opened, made, or initiated by me : Fraudulent Accounts : XXXX XXXX XXXX : An auto loan account opened in 2021 under account number ( private ). XXXX  XXXX XXXX XXXX A student loan account opened in 2021. Fraudulent Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached a list of these fraudulent hard inquiries, as well as a copy of my consumer FICO credit report maintained by your agency, which highlights the fraudulent accounts and inquiries. These unauthorized accounts and inquiries have negatively impacted my credit and are the result of identity theft and fraud. Additionally, I have attached a copy of my FTC Identity Theft Criminal Complaint, case number ( XXXX ), as supporting documentation. Please process this request promptly and block all fraudulent accounts and inquiries listed above from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and One Main has a hard inquiry on my credit report and I have nothing at all to do with either company. No credit card, no loan, never had any business with either company. Where did this come from and why is it on my credit report?? I want it removed from my credit and an answer of how it got on my report!
Product: Debt collection

I have been scammed and was a victim of identity theft so I dont know where this charge has came from
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of a fire that destroyed my home in XXXX of 2018. Months later I am trying to buy a new home and am having a hard time because my previous mortgage company ( Select Portfolio Servicing ) reported that I had a payment 90 days late. I have proof that the forbearance plan they gave me after the fire was followed, as well as payments made for the most recent two payments prior to the date of loss in the fire. They refuse to remove the 90 day late payment even though it's not valid. There is no 30, or 60 day showing on my credit, only the 90 day. They say it's because XXXX, XXXX and XXXX payments weren't made, but the forbearance agreement stated there was no payment due for those months and the balloon payment was due in XXXX. The insurance paid off my mortgage at Select Portfolio Servicing on XX/XX/XXXX, so the loan was paid off prior to the balloon payment being due. I have called and written to the company several times along with my new mortgage lender between XXXX and XXXX. The last conversation was with my new mortgage lender and them on XX/XX/XXXX. They still refused to remove the late payment even though they can not explain why it's on my credit. I am legally XXXX and my wife and I are elderly. Not only have we been through a devastating fire and loss of our home, but now we are having an issue getting a new home because of this company.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Product: Money transfer, virtual currency, or money service

XX/XX/year> XXXX of {$30.00} & {$5.00} as well as first notification of any amount due for a " My Payday '' loan. Prior to this date there was no notification of any amount due, or any amount to collect. When calling on same day was transferred multiple times, multiple agents unsure of what fee is for. When on the phone I got 1 email stating amount due, but not why it was due. There have been many transfers going in and out of my account through out the 2 years I have had the account and many in the past 3 months. Not a single transfer was subject to any fees or due deductions. I find it suspicious that multiple transfers were assessed that equaled the exact amount of money I had transferred into the account, as well as, that I had not received any notification of any amounts due prior to this day/ phone call and the email I did get was unprompted. I had asked to speak to a manager multiple times and the agents refused. I believe who heartedly that this is scam.
Product: Debt collection

This debt is inaccurate. I have asked Cavalry to provide me with the original documents for this account and they have failed to do so. This account is re-aged and the amount has been changed. I do not owe what they are reporting!
Product: Debt collection

I keep on getting medical bills at my address in which my dad has passed since XX/XX/2016.
Product: Credit reporting or other personal consumer reports

THIS ACCOUNT WAS OPENED FRAUDENTLY. PAYMENT WILL NOT BE MADE. SUBMIT A 1099C TO THE CREDITOR AND REMOVE THIS FROM MY REPORTS. IVE BEEN TRYING TO FIX THIS FOR 3 YEARS 15 U.S. Code 1692c 15 USC 1681 e ( b ) Accuracy of report 15 USC 1681 1i ( 5 ) Treatment of inaccurate or unverifiable information 15 USC 1681 i ( 7 ) Method of verification 15 USC 1681 B permissible purpose Since fraud has picked up so much I will only reply bye email or if I am in an office in perso
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 16811. 

I waited 30 days and I haven't received anything. Here is my tracking number : XXXX. It has been over 30 days. 

And one more thing, they didn't even record the current status of the disputed information. 

XXXX, is holding me back from getting a house. This is very frustrating because I am trying to buy a house for my family but XXXX is doing its job according to the law. 



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: Money transfer, virtual currency, or money service

It is actually my cash app account someone hacked it and had seven transactions to XXXX  in New York in a matter of 3 minutes over {$1200.00} missing I live in Oklahoma I called and reported the problem XXXX minutes after it happened they said I would hear from a private investigator within 10 days never heard anything from anybody so I emailed them they responded with a we did not find any suspicious transaction or an error so your case has been dropped but what makes no sense to me is they said they block the person that did it so it couldn't be done anymore so if they block them how is that not suspicious activity I feel they didn't even try to fix this problem
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} Chapter 7 Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019
Product: Student loan

I have student loans with XXXX private student loans ( XXXX XXXX XXXX XXXX ) is LOAN SCIENCE , LLC. I have currently XXXX dollars of student debt. Every month, I pay about {$200.00}. I have just called them and ask them if they take under the consideration that I have another student loans to pay and if they could lower my payments. My interest rate is 6.640 % Variable. ( it seem much higher ) What happened if I get sick or lose my job. They said there is not their problem, and I have to pay 200 monthly for other 18 years. I am 48 years woman live in poverty and do n't have any retirement plan because of my student loans. I also have government student loans, and they are so flexible and take life circumstances under the consideration. This is so cruel that I ca n't refinance my student loans and ca n't do anything about it. Coming from another country and going to college is my biggest mistake ever in this country. I wish I would turn the time and never go to college here. XXXX is horrible company!! Is there anything I can do about it!! Can I refinance? I think that interest is much higher than 6.60 %. Can I hire the service to investigate my account? I think something is not right!
Product: Debt collection

There is a collection account in my report that i don't recognize and its creditor. This is fraud and i want it to be removed as soon as possible. I have the right to have an accurate reporting per FCRA. Please remove it : XXXX XXXX XXXX account # XXXX date opened XX/XX/year> 2022
Product: Credit card or prepaid card

Hello, this is regarding a prepaid reward card that I got from submitting a rebate for purchasing XXXX XXXX cookware set from Kohls. The card has {$40.00} and it expired on XX/XX/22
Product: Checking or savings account

I experienced a case of credit theft following the vandalism of my friend 's car. The thieves managed to access my Chime account using my stolen card and subsequently changed the PIN. They proceeded to withdraw money from an ATM and even transferred funds from my account to themselves. Although I was able to block one of the transactions and recover my money, Chime has been uncooperative in refunding the remaining unauthorized transactions of {$2500.00}. Despite providing ample documentation and proof, they have consistently denied my claims, often responding with automated messages. 

Upon researching online, I discovered that many others have fallen victim to similar fraudulent activities by Chime. In fact, there is a group currently pursuing legal action against the company, which I intend to join if my refund is not promptly issued. It is evident that Chime is not adhering to the regulations outlined in Regulation E. Additionally, they have failed to conduct thorough investigations, as evidenced by their swift dismissal of my case within a mere three hours, without considering the clear evidence of fraud.
Product: Credit reporting or other personal consumer reports

i apply for job online a company name XXXX XXXX, through email i been asking my information including ssn id sign w-4, i been victim of scam and identify fraud the reason why my application was deny to apply for a job. please help me to resolve this fraud identity. thank you very much.
Product: Student loan

I attended XXXX XXXX XXXX ( a XXXX school in XXXX  ) XXXX XX/XX/XXXX to XX/XX/XXXX. 

During that entire time, I lived in XXXX. ( In XX/XX/XXXX, after living for 31 years in XXXX, due to the fraudulent accreditation representations of my school, I had to move to the XXXX because after 2 years of job searching it was the only place I could find a XXXX XXXX. ) On XX/XX/XXXX my federal student loans for that school were discharged by the Department of Education under the Borrowers Defense Loan Discharge Program per the XXXX XXXX XXXXXXXX settlement. I had applied for that discharge on XX/XX/XXXX. My discharge application included 22 sets of legal files, including depositions, proving that the school had misrepresented its accreditation. If needed, I can provide those. 

By XXXX, according to the documentation I provided the court, attending and graduating from XXXX had caused me to lose more than {$430000.00} in income and that was 11 years ago. Since then, the inability to license at my training level ( XXXX  ) due to XXXX misrepresentations about its accreditation has cost me hundreds of thousands more, as well as having to leave XXXX. 

I learned, for the first time, on XX/XX/XXXX that the private loan Navient held that I took out to attend XXXX XXXX XXXX can also be discharged. I had never received any notification from Navient that this might be possible, so I had continued to pay my loan. 

I immediately contacted Navient on XX/XX/XXXX and requested a School Misconduct Discharge Application. Navient denied that request, stating I was not eligible because I had paid off the Navient loan. 

They wrote : Thank you for inquiring about a school misconduct discharge for your private loans. We have determined that your private loans are not eligible because they are no longer outstanding and have been paid in full. 

I had continued paying, and eventually paid off that loan on XX/XX/XXXX because I did not know there had been a discharge process in place since XX/XX/XXXX. 

The Navient loan was a private, direct-to-school loan and XXXX XXXX XXXX is XXXX XXXX XXXX in XXXX, XXXX. 

The original loan was in the amount of {$26000.00}. 
It was disbursed in XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
On XX/XX/XXXX an additional repayment fee of {$930.00} was added to the loan. 
As stated, during that entire time, I was living in XXXX. 

I have paid this loan in full. 
The total I paid, with interest ( {>= $1,000,000} ) and the repayment fee, totals {$51000.00}. 
This amount needs to be refunded. 

Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) - This account has never been verified, I don? t recall having late payment on this specific account the Status Shown as Inaccurate it shouldn? t be Derogatory Only XXXX was reporting inaccurate information please update the billing error update as agreed XXXX XXXX XX/XX/XXXX - Did not consent to unauthorized inquiry- I did not authorize these inquiries please remove this from my credit report XXXX  - XX/XX/XXXX - Did not consent to unauthorized inquiry- I did not authorize these inquiries please remove this from my credit report XXXX  - XX/XX/XXXX - Did not consent to unauthorized inquiry- This inquiry was not authorized please remove this from my credit report XXXX  - XX/XX/XXXX - Did not consent to unauthorized inquiry- This inquiry was not authorized please remove this from my credit report XXXX  XXXX XX/XX/XXXX - Did not consent to unauthorized inquiry- This inquiry was not authorized please remove this from my credit report XXXX  - XX/XX/XXXX - Did not consent to unauthorized inquiry- This inquiry was not authorized please remove this from my credit report XXXX  XXXX - XX/XX/XXXX - Did not consent to unauthorized inquiry- This inquiry was not authorized please remove this from my credit report
Product: Mortgage

I refinanced my mortgage, which was held by Wells Fargo. They provided a pay off amount, and we wired that plus additional funds to cover any delay in the receipt of those funds. They held the wire and without communicating anything to me, did not apply the funds and then sent me a threatening letter saying I was in default on my mortgage. They would not supply any rationale for the extra amount that was owed. In the end, they charged me mortgage insurance twice in the month of XXXX, which was the additional amount they said I owed before they would pay off the mortgage. I was charged XXXX on XXXX XXXX and the payoff was wired to them on XXXX XXXX. They then charged the account an additional US {$320.00} in mortgage insurance on XXXX XXXX and held up the payoff for almost 10 days so they could charge that additional amount. They acted like they hadn't even provided a payoff total and refused to communicate why additional funds were being charged. This has effected my credit, and is a fraudulent practice. I was told that if a wire is incorrect, the bank normally returns it immediately and provides a corrected amount, rather than holding it for 10 days without explanation so they can charge an extra fee. 

Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax hack A suggested action by consumers in light of this data exposure is to have a fraud alert and/or credit freeze placed a
t the 3 credit reporting companies. There is a fee for this action. My complaint is why should consumers have t
o pay to protect themselves when Equifax negligence is the reason for the exposure.
These services ( freeze, fraud alert, etc ) should be provided free of charge and Equifax should be more proactive in taking these steps.