23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am requesting the immediate removal of the entire tradeline from my credit report, as it violates the Fair Credit Reporting Act ( FCRA ). XXXX fails to report any information for this account, and both XXXX and XXXX fail to report the credit limit, which is a direct violation of the FCRAs requirement for accurate and complete reporting. I have evidence that this account has never been reported correctly, and I have never granted authorization for this account to appear on my credit report. Additionally, the website designed for payment verification has not worked properly. This request is made in accordance with the guidelines set by the Federal Trade Commission ( FTC ) and the FCRA to ensure that my credit report accurately reflects only valid and authorized information.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I mailed out a letter disputing XXXX inaccurate accounts that are being listed on my credit report with this bureau. I requested that the bureau would verify this information and upon seeing that this is indeed inaccurate, I requested that the inaccurate accounts would be removed from my credit report. I provided everything the bureau would need to verify my identity and move forward with my dispute, but the bureau did NOT move forward with this dispute, they did not provide me with a response or with any information to prove the existence of these XXXX inaccurate accounts. This bureau violated my rights under the fair credit reporting act by refusing to cooperate with my request for validation of the information they are listing.
Product: Mortgage

I am facing a foreclosure sale date on XX/XX/XXXX because my loan servicer Penny mac has denied me access to government assistance programs that they are required to offer homeowners with FHA loans backed by HUD. I have been trying to work with them and submitted my financial information numerous times, but they continually assign new people to my case, have changed my point of contact three times in the last three months and most recently told me that my documents had been received too late to review. I made sure to mail them in 6 weeks prior to my sale date and verified that the documents were in their office 40 days prior to the sale. However, Penny mac said it was too late and they would not even look at my documents. To make matters worse, they are breaking New Jersey protocols and laws by failing to offer state mandated mediation. I work as a XXXX XXXX and make a good living and could afford a fair and reasonable payment if Penny Mac would actually allow me access to all government programs. That is the issue here. 

My ex-husband and I bought this home in XXXX. We refinanced in XXXX to take care of a bad mold problem and had to gut the house to fix the problem. In XXXX we decided to refinance into a high interest FHA loan through XXXX   XXXX XXXX so that we could get caught up on our bills. I had no problem making the monthly payments until my ex-husband and I split up in XXXX. I lost his income and it was hard to keep up. In XXXX my company was going through a tough time and told me they had to cut me back to 3 days a week. The combination of divorce and no income from husband and my reduction in hours led me to default on my FHA loan. I immediately contacted XXXX  XXXX XXXX and explained the situation. They told me that HUD had programs available for employed homeowners who had lost hours and I made reduced payments for a few months. Then I was laid off and unable to make that payment and fell further behind. 

I hired a law firm to assist me but they ended up providing no help. I did not have a modification and I was out thousands of dollars. I tried repeatedly to apply for a modification through XXXX  XXXX XXXX and after the loan was transferred to XXXX XXXX I continued to apply. I was not able to become approved for any help -- -the offers I received kept my payment the same, or increased it, there was no payment reliefthere was no partial claim offered where a portion of the arrearages would be removed from the balance and put into a silent 2nd. There was no offer of a special forbearance to make the modification more affordable. My interest rate right now is 6.5 %. I work as a XXXX XXXX and make a good living. I find it hard to believe that there are no programs through HUD that I qualify for that could offer some type of payment relief through modification and reduced interest rate or increased term, partial claim or special forbearance. The obvious truth is that Penny Mac has obstructed access to these programs and is denying me my chance and right to be considered for government programs designed to help people in my situation.
Product: Credit reporting

I returned my leased vehicle on time to Same XXXX dealership and they did not report it to the leasing company. I have proper documentation.
Product: Debt collection

Getting daily calls on my wireless phone that do not announce who is calling from XXXX. If I follow the voice prompts for English I get a dead line with no response. I called the number and got Commonwealth Financial Services. I am not aware of any outstanding debt or previous debts that were sent to a collection agency. This appears to be an attempt to get me to pay them so they will stop calling me? I requested that they stop calling me. If this is a legitimate debt I see no reason they should not contact me by mail with the details. I have not received any notices of unpaid debts or of any action by a debt collection company.
Product: Mortgage

Hi, Back in 2014 I filed a CH XXXX Bankruptcy that did NOT include my mortgage lender. I recently noticed that on my Credit bureau report they have it reported " closed for derogatory reasons ''. I have never been late on my mortgage ever. ( I did open a dispute with the credit bureau report services and am awaiting a response ). But I also noticed that my payments which I pay on a biweekly basis with the sole purpose of saving on daily interest in the long run. However appears all my payments are going in a " suspense '' account and not even being credited to my Loan as they are received. This I am confused about? How is this legal they can do this and short me of all the potential interest I could be saving? I have never missed a payment, nor ever been late. This was not filed in my bankruptcy. I am having a hard time understanding. And when I reach out to them I can sit on hold for OVER an hour 90 % of the time. I got a hold of a rep once in numerous attempts who explained this " suspense account '' to me, with no reasoning or explanation as to why. Just said that 's how it is because I am in bankruptcy ( again even thou my Mortgage was NOT included in the Bankruptcy ) So I need to know 1 ) why is this reflecting closed and derogatory on my credit bureau. And 2 ) why are the payments not be credited accordingly to save on the per diem as it should be? Any assistance would greatly be appreciated!!
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account XXXX : XXXX XXXX. 
Account Number : XXXX Account Name : XXXX XXXX XXXX. 
Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX 
Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Student loan

I attended ( XXXX ) different Universities, in the following order : XXXX XXXX XXXX XXXX School in XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XX/XX/XXXX, XXXX University XX/XX/XXXX and XXXX University in XX/XX/XXXX-XX/XX/XXXX. I served in the XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX to XX/XX/XXXX and have XXXX XXXX XXXX. While in the service with my own money I attended and Graduated from XXXX by going to XXXX school. When I was XXXX on XX/XX/XXXX I enrolled at XXXX University to work on my XX/XX/XXXX in XX/XX/XXXX. This is when I took out XXXX in Stafford loans and ( XXXX ) plus loan to help with books and expenses. I have 32.5 years of public service and was denied the PLSF forgiveness. I worked for the XXXX XXXX XXXX XXXX and now the XXXX XXXX XXXX XXXX and Im a XXXX XXXX XXXX Veteran that struggles every day to work. I borrowed XXXX dollars and now owe XXXX dollars to Fed loan Servicing. I qualified for the XXXX GI bill but with XXXX and a wife couldnt afford the XXXX buy in while serving. I was never notified by XXXX XXXX which is now Navient that my loans would be serviced by Fed Loan and that when they tacked on XXXX in interest at 8.5 %. I will be XXXX years old if I go with their program before this is paid off. Please help me!
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XXXX/XXXX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Debt collection

I asked that this company validate this account. They sent a bill which does not show any written agreement that I owe this company any monies.
Product: Mortgage

Im currently on a FEMA natural disaster mortgage forbearance plan. It Started on XX/XX/2023. According to XXXX XXXX guidelines I have up to 12 months to be on forbearance. As of today Im still actively participating in the plan. However during my call to fifth third bank last month to extend my forbearance the telephone representative might or might assumed Im on a regular forbearance and is not protected by credit reporting. as of now there is a negative remark reported for month on XX/XX/2023.
Product: Checking or savings account

The bank is closed at XXXX! And I walked into the bank at XXXX requesting to have access to my safety deposit box. I was denied access to my safety box by the two women in the front because they said the vault was closed. The bank is closed at XXXX, and they did not allow me access to my own fault!
Product: Mortgage

I had applied to modify my loan to try to get a lower interest rate because, from all guidelines, I qualified. I submitted my application and was approved BUT the new loan was ridiculous and would have extended my mortgage by another 10 years AND increased my monthly payment which would be crazy for me to accept so I wrote and declined the modification and told Ditech I was sticking with my existing mortgage agreement. That was 4 months ago and I have made two monthly payments that the bank has put in " suspense ''. I kept calling and have been told it is because my loan in is " Loan modification review status '' which is just not truly. I spoke last week to " XXXX '' and have all the time/date/extension details. She told me it would take 24 hours but she sees that I rejected the modification offer but because I did it in writing and not on the phone, there was a problem? She said she would fix it within 24 hours and now it has been many days STILL and it has still not been fixed and my amount due shows a HUGE $ amount because I have two full, complete, total payments put into " suspense ''. Please help me!
Product: Checking or savings account

To take advantage of cash back bonus offered by US bank, I wanted to pay an utility bill in the amount of {$300.00} by using my XXXX XXXX ... XXXX. Instead, I inadvertently charged this amount to my Checking Account ... XXXX by using my debit card ... XXXX associated with the CHECKING ACCOUNT ... XXXX on XX/XX/2019. This mistake, according to the Bank, resulted in NSFs in the checking account. The Bank slapped two fees of {$36.00} each for this lapse ( They, however, reversed one charge later on ). The bank charge of {$36.00} is illegal, and fraudulent due to the following reasons : 1. The account has been handled responsibly and never been overdrawn over its three year long history. The bank created an artificial overdraft by setting aside a sum of {$300.00} for payment to XXXX, but DID NOT PAY THIS AMOUNT TILL XX/XX/XXXX. On XX/XX/XXXX, there were sufficient funds in the account as a cash deposit of {$400.00} was available on XX/XX/XXXX to cover the artificial cash deficiency and Bank never carried any risk of loss due to this made up overdraft. 

2. On XX/XX/XXXX, the Bank called me from telephone number XXXX XXXX XXXX to offer me overcharge protection, which was declined. Therefore, I never opted in for overcharge protection.However, I found to my utter surprise, on XX/XX/2019 that the Bank had set aside funds for payment of utility bill rather than bouncing back the charge. Therefore, I had to make an emergency deposit of {$400.00} to cover the set aside HOLD on funds. This reprehensible behavior of the Bank goes against the very spirit of the consumer protection laws, when it enrolls customers in overcharge protection without their consent and knowledge. 

The Bank may be asked to refund the illegal charge for fees in the amount of {$36.00}. Further, the Opt in practices of the Bank for Overcharge Protection need to be carefully investigated.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Product: Vehicle loan or lease

Working with XXXX has been a nightmare. After an accident, trying to obtain the proper documentation needed to close the loan has been made extremely difficult by the representatives. Each representative requests different documents. They say they'll send the requested documents and then don't. They have exceeded the XXXX business days. I have been hung up on multiple times. 
Specifically XXXX whom we spoke with XX/XX/2023 at approximately XXXX PST. He hung up on us previous to this call. However on this call we were denied to speak with a supervisor on multiple occasions. He refused to help us as requested. 
The refusal to assist and prolonging the process is unacceptable.
Product: Credit card or prepaid card

Capitol One has charged me interest for items that were returned, charged over 400.00 in gift cards promised but not credited back to the account, needs to adjust the pricing on  item, and needs to show a proof of purchase for a XXXX dc location receipt. I was charged an amount i didnt agree too. 
I am owed several thousand dollards by Capitol One and  want it credited back immediately. They have been scamming me for months.
Product: Credit card or prepaid card

Hi TJX MGR ; How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : CFPB Date : XX/XX/2019 AC # XXXX THERE IS A BILLING ERROR : REQUEST FOR ACCOUNT DETAILED AUDIT OF THE INVESTIGATION! 

THIS LETTER IS TO INFORM YOU THAT THERE IS A BILLING ERROR COMMITED BY XXXX XXXX XXXX! I AM REQUESTING A DETAILED AUDIT OF THE INVESTIGATION! 

MY CREDIT CARD STATEMENTS WHERE TURNED OFF! XXXX  XXXX XXXX IS BLAMING ME FOR TURNING OFF MY CREDIT CARD STATEMENTS! I NEVER REQUESTED TO STOP RECEIVING PAPER STATEMENTS! AT NO POINT DID I REQUEST TO STOP RECEIVING PAPER STATEMENTS! 

I DO NOT ADMIT TO THE ALLEGATION THAT I CLICKED ON ANYTHING ON THERE WEBSITE TO TURN OFF PAPER STATEMENTS!!!! 

XXXX XXXX XXXX RECORDS CLEARLY INDICATE THAT I DID NOT RECEIVE PAPER STATEMENTS FOR MONTHS! THIS CAUSED ME TO MIS MY XX/XX/2019 PAYMENT! I NOTIFIED XXXX  XXXX XXXX OF THIS PROBLEM ON XX/XX/2019 VIA PHONE AND BY LETTER ON XX/XX/2019 AND THEY NOTIFIED ME THAT THIS WAS MY DOING! WHICH IS A LIE! 

I AM REQUESTING DETAILED INFORMATION THAT I REQUESTED MY STATEMENTS TO BE TURNED OFF! I AM DEMANDING WRITTEN PROOF OF THIS REQUEST. PROVIDE AUDIO PROOF OF THIS REQUEST, IF I DIDNT SIGN ANYTHING REQUESTING PAPER STATEMENTS NOT TO BE MAILED TO MY HOME THEN THERE IS NO PROOF I REQUESTED STATEMENT NOT TO BE MAILED TO MY HOME! PLEASE PROVIDE DETAILED WRITTEN PROOF! PLEASE PROVIDE WRITTEN OR AUDIO PROOF OF THIS REQUEST WITH MY SIGNATURE! 

IF THEY CAN NOT FURNISH THIS INFORMATION PLEASE REMOVE IMMEDIATELY MY 30 DAY LATENES OF MY XXXX XXXX XXXX ACCOUNT! 
UNDER THE TRUTH IN LENDING ACT, THE FAILURE OF A CARD ISSUER TO SEND A BILL IS CONSIDERED A BILLING ERROR!!!!!!! 
Update my XXXX  XXXX XXXX Credit Card payment history. Remove the 30 day late in XXXX of 2019. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX
Product: Payday loan, title loan, or personal loan

I feel cheated because I never signed the purchase of a house and also used a credit card in which I did not know
Product: Debt collection

{$330.00} Original creditor : 05 XXXXXXXX XXXX XXXX XXXX  {$1000.00} Original creditor : 01 XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$1800.00} Original creditor : 11 XXXX {$550.00} Original creditor : 01 XXXX I've contacted this company many times asking for a validation of debt since they couldn't verify these accounts their are stating that I owed I ask them to remove these fraudulent I didn't approve that was open in my name. 
they Keep violating my rights I wouldn't send me a copy of validation of debt according to my consumer rights. I told them this is unfair practices according to 15 USC 16g2f I also keep asking for a validation of debt. the name of the creditor of whom the debt is owned. I ask for them to not just remove these fraudulent statements and representation of that that the have fail to provide proof of such debt they said I've owe that they should be Delete from my Credit file.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block , Inc ) due to inadequate customer service and unfair practices which violates the Consumer Financial protection Act ( CFPA ) cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see inquiries below I don't recognize and I will also include a FTC report attach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 obtained financing through XXXX XXXX XXXX for a vehicle purchase. Every payment was made on time for 60 straight months. The final payment was made on time, however, it was shown on my credit report as delinquent 30 days. This is untrue and I believe a clerical error. It has negatively impacted my credit for years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Although the KOHLS credit card is accurate on my report, It has been on there for XXXX  years this past XXXX and should be removed now. And XXXX has been XXXX years this month
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Transunion regarding their failure to properly resolve a dispute I submitted concerning inaccurate information on my credit report. Despite my formal request for verification and correction of the disputed items under the Fair Credit Reporting Act ( FCRA ), the response I received from Transunion has been inadequate. 

Here are the details of the issue : File Number : XXXXXXXX XXXX XXXX Dispute Submitted : XX/XX/year> Account Name : XXXX XXXX  Account No : XXXX Original Dispute Reason : This account does not belong to me. 

Transunion informed me that the disputed item had been " updated '' but failed to provide any verification or documentation to support the continued reporting of this item. I formally requested verification as required under FCRA Section 611, and I have not received any substantiating evidence from Transunion to confirm the accuracy of this information.

Summary of My Issue : I requested verification of the accuracy of an account on my credit report, and Transunion claimed they updated the item but did not provide any documentation to support their findings.

I asked for the supporting documentation, as is my right under the FCRA, but Transunion has failed to respond appropriately.

The inaccurate information remains on my credit report, which is negatively affecting my credit score and overall financial standing.

Resolution Requested : I am requesting the CFPB to assist me in ensuring that Transunion : Provides the necessary verification documentation they claim to have used in their investigation.

Removes the disputed item if they are unable to provide verifiable proof of its accuracy.

Ensures that any actions taken by Transunion comply with the 30-day investigation requirement as mandated by the FCRA.

I also request an investigation into Transunions handling of consumer disputes, as this failure to provide proper verification and their vague response regarding an update is causing significant harm to my credit.