23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am a single parent XXXX income family of XXXX to include XXXX children. Back on XXXX of XXXX I requested help or assistance from Chase Bank. Due to the troubled economy I was forced to work as a substitute teacher in the state of Florida and county of XXXX. In XXXX county their substitute teachers work through a staffing agency/temporary agent. Over the summer months and off days due to holidays or XXXX days. I can apply for unemployment. Therefore, I was underemployed/unemployed due to low wages and the XXXX being shut down due to holiday and breaks. However I was approved for a unemployment loan forbearance on XXXX/XXXX/XXXX for a lower mortgage payment of {$450.00}. with a balance of XXXX accruing every month that was left unpaid. Though if I was approved for a government program how come they did not pay the difference? At the end of the program dated XXXX/XXXX/XXXX, I am still underemployed/unemployed even though I applied for jobs the entire time. I asked Chase Bank for an extension, so I reapplied and asked for help or a workout with my mortgage. I have just got word back from Chase Bank on XXXX/XXXX/XXXX stating that I am 15 months ( {$15000.00} ) behind on my mortgage and they can not offer me anything type of help other than a short sale. Now for 12 months I made a total of {$5400.00} in reduced payments, how can I be behind over {$15.00} and why or how come the {$5400.00} has not been applied to my loan. Why they can not help me, but allow someone to buy my home for an extremely low price, then put me and my children out onto the streets after for over a year I have worked and took calls from their CSA named XXXX XXXX XXXX XXXX and made my payments on time to show stability so that I can stay in my home. 
In addition I supplied them with income or wages and I was told that they could use those funds along with child support and I have recently learned that they can not use the income. Why? Does it matter if I was working for a temporary agency? I was told by XXXX XXXX that it did not matter. Only to make it known to you that they did not use the income and offered to me to sale my home as a short sale. This particular issue is related to a loan workout due to being unemployed and regaining a job to show permanency. I was placed on a government program.
Product: Student loan

Upon graduation, I had went into immediate repayment. I was unemployed at the time. I contacted Wells Fargo about the loan and they said the only thing they could do was I make a XXXX month payment before I could get a XXXX month forbearance. I had XXXX months of unemployment and then when I did finally get a job, it was part-time at minimum wage. I called and went back and forth with Wells Fargo for a couple months when it went back into repayment, unable to get a lower payment or any options for assistance. During that time, I could n't make any payments which put me behind on my loan. I convinced my boss to give me more hours and managed to scrounge up the monthly payment and made XXXX consecutive payments to keep from defaulting but I still was n't able to catch up. This resulted in many calls, almost daily, from Wells Fargo while I was at work, very early in the morning, or past my bed time. Even if I was capable of answering their calls, they would n't offer any assistance and were just demanding that I pay the full past-due amount, which I could n't do. They have also sent monthly notices about my loan being XXXX payment from charge-off. Now that I 've finally secured a full-time job this past month and can make the monthly payments without too much struggle, the last payment did n't go through for some reason. I called in the morning of the next business day, since they were closed for new years and the day after, only to find out they charged off my loan and now I have no options to rectify the situation at all. Not even giving me any business hours to rectify the payment I had tried to submit before. So now my loan is headed to default as I ca n't pay in full once it goes to the collection department.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to temporarily lift my credit freeze so I can apply for a loan. Every single time I have tried to log onto the website it does not work and gives me a number to call. I call the number and the employees are ignorant, incompetent and rude and barely speak English and never fix the issue but or lift the freeze by phone but keep resetting my password and telling me to do it online then when I reset it and try to go in it allows me onto the site but when I try to unfreeze it the word Unknown shows and gives me the same number to call that I just called!! I have wasted two days and talk to two reps who will not or can not do their jobs!! I work for the government and dont have time to waste with them. It is illegal for them to not unlock my freeze when I request it, they verified my identity but did not do so!! Please contact them AGAIN! I wish you would just shut them down they are a complete burden to all!!
Product: Mortgage

Our VA loan was sold to another company. Since PHH Mortgage has taken over our loan they dont apply payments correctly, we have confirmed delivery of check before due date, the company refuses to accept any form of payment that isnt a money order, they hang up a lot, dont speak XXXX well, apply fees when they have payment, they say they returned the payment/check but dont have proof, they told us they were going to return fees {$83.00} do a credit exsponge to fix how they have made our credit drop 200! Points because they are reporting we never pay but we do. Please help we spent 6 hours on the phone and this company promised all these solutions then sent letters saying the opposite and Denied every having talked to us but we have phone records bank statements etc
Product: Money transfer, virtual currency, or money service

I was approached by XXXX XXXX stating she could help me invest in crypto currencies. I was asked to deposit {$5000.00}. She showed me how to enter and exit the market making large profits of 15 % - 33 % or more in each trade she asked me to deposit {$30000.00} to advance my profits much faster so I could pay off all my debts. I pulled funds from my retirement, wired into account, made the trade just as I was told and had almost tripled my money. When I went to withdraw I was instructed to pay Capital Gains in XXXX or XXXX to the crypto addresses they provided. This is when I figured out it was a scam and seeked help. Please refer to my attached letter.
Product: Checking or savings account

I have had several issues with Regions Bank and the handling of my XXXX XXXX " Do the XXXX XXXX XXXX XXXX XXXX checking account. I received an " automated '' phone call indicating that my account had pending charges at a business that I never XXXX  to over the last several years. 

I answered the prompts to indicate that I am not at this merchant. The next thing I do is sign into the account online. There are XXXX pending transactions with this account. I spoke with the actual branch in XXXX XXXX, Texas. He wanted me to come into the branch. I told him that most banks would suspend the debit card until this issue was resolved. He assured me that the account did not have a debit card attached to it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX account # XXXX, 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I asked XXXX to cancel my credit card XXXX as there was a fraudulent transaction from South Carolina where I never visited. XXXX did not cancel this card and several fraudulent transactions were posted from South Carolina in XX/XX/year>. I complained again and I was told that these transactions were valid and I owed XXXX several XXXX dollars. 
I requested XXXX to cancel this card again, I paid by XXXX separate checks for the exact amounts of the last XXXX valid charges I made on this card and again reported that all the remaining transactions as fraudulent. XXXX did not accept this and reported to the XXXX credit bureaus XXXX, Experian and XXXX that I was late in payment on this card in XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of 2024. 
I made several requests in writing and on the phone to XXXX that all these charges are fraudulent and they happened because XXXX did not cancel my credit card. XXXX claimed that their late payment reports to the XXXX credit bureaus is correct. 
After again insisting that I never visited South Carolina in my life, XXXX slowly started cancelling the fraudulent charges. After XXXX months of going back and forth, XXXX admitted that all pending charges are fraudulent and that they actually owe me XXXX {$810.00}. They sent me a check for XXXX {$810.00} and reported to the three credit agencies that my account has been closed with XXXX balance with a write off. 
However they did not with draw the late payment reports made against me for XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of 2024. As a result my credit score fell from near XXXX to low XXXX and I am not able to get credit due to XXXX 's negligence. I have requested XXXX in writing to rectify their mistake more than thrice but they did not. I want XXXX to clear the wrong reporting they made against me in XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of 2024.
Product: Credit reporting, credit repair services, or other personal consumer reports

To CFPB. 

I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below account/s be deleted from my consumer report. 

List of accounts to be deleted : XXXX XXXX XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( l ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report.
Product: Credit card

I opened an Amazon Store credit card with Synchrony in XX/XX/XXXX. I started to use the card, and made a payment towards my balance in order to free up my available credit to make additional purchases. My available credit did not reflect the payment I made, and so I made additional payments towards the card. After this still did not allow me to get any additional available credit, I contacted Synchrony customer service, who told me that the payments were on hold for 30 days as a precaution to verify that the payments were not fraudulent. Soon after, my account was closed and my rewards points were forfeited. After inquiring, they claimed my account was closed due to suspicious activity mainly these payments I made. I attempted to appeal this decision and sent in bank statements showing that the payments made toward the credit card were from accounts owned by me. These were under review for more than 30 days, and then I received a notice that they would still not be able to open my account. I then requested on XX/XX/XXXX, that the negative balance on my account of {$15000.00}, be returned to me as a refund check. After numerous follow ups, they keep claiming to be reviewing the account and issuing a check within XXXX days. As of today, XX/XX/XXXX, the negative balance is still showing on my account I have not received a refund check.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over XXXX  days. Again, this is NOT A DISPUTE. 
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 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

I am contesting a collection account that is recorded on my Experian and XXXX credit reports. I have, in the past, protested this account through Experian and XXXX, with unsatisfactory results. 

The collection account is for XXXX XXXX in the amount of {$700.00}, and has been on my record for more than six years. 

The original debtor, XXXX XXXX XXXX, was at no point in time opened or used by me. Claims otherwise constitute fraud by the creditor or a third party. Therefore, this collection account should be removed from my credit report record.
Product: Debt collection

This is in regards to a previously submitted complaint ( XXXX ). The debt collection agency has failed to provide me with the debt statement and results of my dispute after several attempts of requesting the information via telephonic communication. In addition, The debt collection agency removed the debt and renewed it without providing me with any details.
Product: Debt collection

AAFES has used its XXXX XXXX XXXX to try to collect and garnish my wages. 

Youre claiming I owe ( {$18000.00} for traveling which is false! ) when has a merchandise assistant ever traveled and yet alone traveled for {$18000.00} worth of travel expenses? I need you to provide me actual receipts of the {$13000.00} which is the original amount youre claiming for Traveling and the other {$5000.00} is for interest fees which I also did not agree nor did I sign any contract with I also need you to provide me the receipts and how you allegedly paid out the overpayment of {$1000.00} which youre also stating I owe. If you give someone money then you should have all of the receipts and bank accounts that you sent that money to correct? 

I paid my military star card off and the only thing left on my THT card is {$320.00} which I have already tried to settle with XXXX and they have not responded back for! 

Over all youre telling me I owe you {$23000.00} dollars but you dont have the receipts or contracts to validate those numbers and thats what I have been requesting over the last XXXX  years from XXXX XXXX 

The only thing this paperwork is saying is that I owe but its not telling me what the amount is for. I need the dates so I can validate that you are out of the legal statute of limitations to collect on this old debt. These are all stating to be from XXXX  and prior because I left AAFES in XXXX. I should not be charged for anything after XXXX  because I did not have access to any funds with AAFES! 

I have already requested a hearing and am still pending information on that.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX is reporting a credit card on my credit account that I have never opened with them, my information was exposed in XXXX  data breach and some other stuff was on my credit profile as well. That other stuff was deleted because they knew it was not mines.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint XXXX was sent back saying they needed attached items. I will include attachments to show this is me and I need complaint sent to Experian! 


I am a victim of identity theft and I am trying to correct the inaccurate, incorrect and misused information on my profile multiple times, how they are refusing and claim its verified. 


( Its there job to prove the account is mines or not )
Product: Mortgage

3 years ago I filed bankruptcy. There was no reaffirmation of my mortgage done at that time, and my lawyer did not advise me that I needed to do so. I 've been seeing the same paragraph on my mortgage statement every month, but I never took the time to call them, until today, to find out what it really means. They told me that until I reaffirm my mortgage with them, they will not report any payments I am making to the credit bureaus. In fact, my report shows that my loan is closed and paid. It is not. It has a balance of {$82000.00} that I have paid religiously every month on time, with no late payments. I believe my lender is reporting false information to the credit bureaus by stating the account is closed, when in fact it is not. I also believe I have the right to receive credit for payments made whether or not I filed bankruptcy, and to have accurate information given to credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX The Federally Protected Consumer Rights has been violated.Trans Union Credit Reporting Agency is in direct violation of 15 USC 1681 a ( 1 ) Accuracy and fairness of credit reporting. I did not benefit nor consent to these accounts being furnished on my report.I value my consumer report & only a natural living person can do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute with XXXX  and XXXX  and the investigation took well over 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX ( XXXX ) Account # XXXX as well as XXXX XXXX XXXX ( XXXX  ) Account # XXXX 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

I've been banned by Navy Federal Credit Union. They refuse to investigate my claim despite evidence from the FBI. They refuse to help in any capacity and have confirmed, over the phone, that I have been banned from ever opening a checking account again. I have proven they sold debt in my name in bad faith. They sold debt, in my name, under false pretenses. I don't believe this is legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act the following accounts have violated my right. 

XXXX XXXX XXXX Act # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX  As stated in 15 U.S.C 1681 Section 602 A, it states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2018, I filed a personal credit report dispute online requesting to remove outdated information such as telephone numbers, addresses, employers, incorrect accounts, inquiries without authorization to Experian. I also provided all my identification information for them to do so via mail. On or about XX/XX/2018, Experian refused to make the requested changes per my request to do so as evidenced by the dispute results report number # XXXX for XX/XX/2018. Experian also refused to send me a free copy of my personal credit report and credit scores after I was denied a loan. Experian refused to put a security freeze on my personal credit report because I am a Kentucky resident. Experian has attempted to charge me for my personal credit report, credit scores, and security freeze.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX XXXX XXXX XXXXXXXX {$78.00} XXXX XXXXXXXX XXXX XXXXXXXX {$13000.00} XXXX   XXXX XXXX {$100.00} THE COMPANY
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted the dealer to notify them that different companies inquired on my credit being that a fraudulent application was made through their company. I told them that I do not authorize any one nor did I give authorization to run my credit to apply for any kind of financing with company and they stated that it would be moved and I have even addressed all the lenders directly and all directed me back to the dealer Carmax and theyre refusing to help me.