23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I obtained a HELOC loan to pay off some credit cards in XX/XX/2019. XXXX XXXX  issued a Cashiers Checks to pay off my XXXX 's account. The check was written out for {$80.00}, paid to the order of XXXX XXXX. However, they accidently sent the check XXXX XXXX to First National Bank of Omaha. First National Bank of Omaha deposited the money into their account, and because the account number on the check was not an account of theirs, the money, obviously, was never credited to. my XXXX account. As well, it was not credited to the account I have with First National Bank of Omaha  : a XXXX XXXX VISA card. 

Basically, the cashiers check was cashed by First National Bank of Omaha, but never credited to any account I hold. 

On XX/XX/XXXX the check was received and deposited. I called XXXX for months to try to figure this out, and finally on XX/XX/XXXX, Macys informed me that the check was cashed by First Naitonal Bank of Omaha. They gave me the phone number for FNBO, On XX/XX/XXXX, I spoke with a Customer Service Rep and they told me to fax a copy of the check and the receipt from XXXX XXXX for this transaction and they would get back to me. I have since called them several times, written them letter and to no avail. They tell me they did not receive the faxed copies, or the written copy. 

I need help getthing this oney back.
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a matter of utmost concern regarding the denial of my constitutional rights as a trustee and secured creditor by Navy Federal Credit Union. Despite my best efforts to engage with the bank in a professional and lawful manner, I have been denied services without any factual or lawful explanation. 

As a trustee for the trust, I demand a lawful explanation as to why I am being denied services from a public entity. It is my fiduciary duty to ensure that the trust is properly managed, and by denying me access to banking services, Navy Federal Credit Union is hindering my ability to fulfill my responsibilities. 

Furthermore, I am deeply troubled by the fact that a public entity that deals, negotiates, discounts, and offers securities is denying my fiduciary duty to the trust I am vested in as trustee. This raises serious questions about the authority under which the bank operates- is it governed by self-governance or the governance of the public? 

I urge you to investigate this matter promptly and take appropriate action to ensure that my constitutional rights are not being violated. As a trustee, I have a responsibility to the trust and its beneficiaries.
Product: Money transfer, virtual currency, or money service

Can never get my issues resolved due to no customer service. I wasn't able to get a hold of no actual agent
Product: Credit reporting or other personal consumer reports

On XXXX XXXX  2025, I access annualcreditreport.com to access my free credit reports for XXXX, XXXX XXXX Equifax. I was successfully able to print my reports for XXXX and XXXX. But i am unable to Print and Save a copy of my credit report with EQUIFAX. When i select the Print and Save option, to send my EQUIFAX Report, i receive a error stating We've experienced an issue processing your request We're sorry, we are unable to process your request at this time. Please call our XXXX XXXX team at XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. 
This makes the XXXX year in a row i have received this exact error when attempting to print and save a immediate copy of my credit report with Equifax. When i attempt to try again online, Equifax tells me that i can not receive my report due to me already having access to it. But without being able to print and save a copy, i am not able to fully go over my report. I contacted Equifax on XXXX XXXX  2025 via telephone and spoke with EQUIFAX Representative named XXXX. I advised XXXX of my issue and requested a copy of my report to be send via email, or for me to have a option to print my report via online so i would not have to wait XXXX business days to receive it via mail, and he advised me that the issue is with XXXX, and not with Equifax. I advised him that i had this same exact issue last year with EQUIFAX, and that the error message advised me to contact EQUIFAX. He proceeded to tell me that there is nothing he can do besides send me a report via Mail which will take XXXX Business days. This delay of not being able to immediately access and print and save my credit report is a violation of the FCRA. I should not have to wait XXXX plus days to receive my report when i requested it immediately online.
Product: Credit reporting, credit repair services, or other personal consumer reports

I challenged the accuracy, compliance and reportability of two bankruptcies a Chapter XXXX and Chapter XXXX showing on my credit report on XX/XX/2018. I asked for XXXX, Experian, and XXXX  to please validate this information with United States Bankruptcy Court XXXX XXXX of Alabama and provide me with copies if any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. I received information for all three bureaus stating it was verified and will remain. The bureaus never contacted the courts but instead they reached out to a third party XXXX XXXX to provide this information. I have opted out and placed a freeze on my credit and consumer file which is attached as well as a letter from the United States Bankruptcy Court XXXX XXXX of Alabama stating they do not report this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

-15 USC 1681c2. Block of information resulting from identity theft.

-Section 605B of the FCRA. 

My request to block the identified transactions are not information related to any transactions authorized by me as the consumer. My request to block the listed items above is not being made in error nor is my request to block these items are being made on the basis of material misrepresentation. 

I declare that these Financial Institutions/ Department did not receive my authorization nor consent ( required by law forms SSA-3288 & SSA-89 ) to be furnished on my consumer report file. As a result of my non consent and authorization, I have listed these accounts and deem them as identity theft. 

See attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

See complaint XXXX. Their response was a complete lie. They never honored their website.
Product: Debt collection

This is my 2nd loan with Republic Finance. The 1st was paid off early. I have paid on this loan about 18 months now. This payment was due XX/XX/XXXX but I didn't pay it on time. However, it was paid before the next one was due. In XX/XX/2018, after several days of calls. I asked for a deferment to get back on track but was told they don't do those but could renew the loan. I told them I don't want to renew the loan. I was advised that is the only assistance available to me. After several days of calls. I told them to stop calling me. I didn't get any more calls until XX/XX/XXXX or XXXX timeframe. I told the same person as before I had told them not to call me. She then said they have to have it in writing. I told her that is not true. She said that is their policy. To have it in writing. I told her fine so when I went in to make the next payment on XX/XX/XXXX I asked for a sticky note and put it in writing. I also put that none of my contacts or my job was to be contacted. She had to check with XXXX to make sure it was acceptable. XXXX told her to put it in my file. However, today I was checking my credit report and saw that they did a hard inquiry on XX/XX/2018. My loan was not 30 days late and to this date has never been 30 days late. There was no reason to pull my credit. I want to know how a company can just pull the consumer 's credit report for no good reason and decrease their credit score. I can to some degree understand the need to renew the loan. That's how they make their money but if someone is truly needing assistance to maintain or increase their credit score, it makes no sense to intentionally harm them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 accounts listed on my credit report that I have requested that Trans Union verify and send proof of verification of the payment history and the balance. XXXX XXXX is being reported as being sent to collections with 30, 60 and 90 day lates and charged off. I have requested proof from Trans Union that this information is correct. According to my records and XXXX XXXX this account did not go into collections, has never been late and has a {$0.00} balance. XXXX XXXX XXXX is listed twice on my credit report for 1 loan and with a total balance of $ XXXX. There is only one loan, and the balance is {$0.00}. I have requested 3 times for Trans Union to verify these accounts. And all 3 times they have came back as verified, but will not send me any proof. They list only a partial account number on my credit report so there is no way this information has been verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries on my credit which I don't recognize. I have recently been working diligently to improve my credit and came upon unknown inquiries as well as fraudulent accounts. I have successfully achieved the removal of the fraudulent accounts but the credit bureaus have not been very cooperative with the removal of the inquiries. 
Experian, XX/XX/XXXX and XX/XX/XXXX all list the following inquiries which I am not responsible for : US SM BUS ADMIN XXXX ( Federal Government ) Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX ( Local Telephone Svcs Provider ) Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX ( Local Telephone Svcs Provider ) Inquiry Date : XX/XX/XXXX XXXX XXXX Farm & Garden Supplies and Svcs ) Inquiry Date : XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXXXX Bank Credit Cards ) Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards ) Inquiry Date : XX/XX/XXXX XXXX XXXXXX/XX/XXXX( Services ) Inquiry Date : XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXMiscellaneous ) Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Bank ) Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Bank ) Inquiry Date : XX/XX/XXXXXX/XX/XXXX Finance ) Inquiry Date : XX/XX/XXXXXX/XX/XXXX
Product: Vehicle loan or lease

I filed a complaint with you several days ago, got one call from Suntrust and have received nothing since. All I was told was a reference number and somebody would contact me from them. That has not happened.
Product: Debt collection

I had a XXXX XXXX bill that was settled and paid through Debt Recovery Solutions. <P/>Yet they refuse to send me acknowledgement that the debt was paid, and fail to report it as paid through the 3 credit bureaus. <P/>I paid the first installment on XX/XX/XXXX and the final installment on XX/XX/XXXX. <P/>I have called several times they acknowledge the debt is paid and I am not liable for the account, failed to send me notification through email or regular mail. Also making false statements to XXXX and XXXX saying I still owe.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX XXXX placed my XXXX for collection with a debt collector. There was no bill sent to me the parent and person listed as payee on insurance form/card. Ive contacted the debt collector company to have them update/remove the collection from my daughters credit file because that is illegal. I was told that I can pay to have it removed from her credit files. The debt is valid and I will pay once it is taken out of my minor childs name.
Product: Credit reporting or other personal consumer reports

I opened XXXXXXXX XXXX XXXX  and made minimal transactions, which I immediately paid in full after every purchase made. My last purchase was less than {$25.00} back in XXXX  which I paid in full. Since XXXX I have been assessed {$6.00} every month with {$40.00} late fees and {$99.00} annual fee. I have paid beyond so much in fees totally far more than my total transactions ever made with this credit card. To add insult to injury I was reported 90 days delinquent to the credit bureau. These reporting have drastically lowered my credit score and has decreased my available limit with other creditors. 
I feel I have been punished to the max for a credit card I do not use and do not owe for an actual purchase. XXXX activity since XXXX  I am a single mother that worked hard to repair my credit and I recently purchased a 2 family home. I restored my credit and excellent payment history. 
XXXX  XXXX  who is with the XXXX XXXX XXXX has ruined my credit and have taken substantial amount of money consisting of ONLY fees. I stopped receiving calls and I recently realized I was reported 90 days past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the previous written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax 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. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... 

XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

1. On XX/XX/XXXX a Business Equity Line Note Was Obtained by me and my X wife, ( co-owners of the property and the business- XXXX XXXX XXXX XXXX ). The amount was XXXX k. Payments have been made since then jointly until XX/XX/XXXX. By that time the couple has been through an unfortunate divorce divorce.One spouse violated court orders to sign documents to modify the loan and the foreclosure was avoided at a high physical, mental and financial costs. The two however continues to own the property and to this day the joint ownership has not changed. Those documents are available by the bank, me and the attorneys 's involved.One spouse has continued to make payments to the bank even after the divorce and despite the other spouse 's completed disregards, until XXXX, XXXX. The Covid Crisis complicated the process. 

Now the bank and her agent has taken off the forbearance responsibility from the spouse who willfully disregarded the laws andand now the bank has put the entire responsibility on the law abiding spouse. The bank and her agents knowingly have manipulated the process, making false statements under oath and has been involved in a variety of tricks and tactics to cause enormous damages to that spouse. These are a few of them : 1.Has charged an astronomically high price as foreclosure expense ( XXXX K ) for a property worth XXXX k. 
2. Falsified facts about the clinic 's activities ( unused as opposed to being used ).

3. Damaged vs improvements ( being made and would have been completed by now ).

4. Illegal scamming scheme to get lump some in the amount XXXX k for legal expenses alone and XXXX lien to the bank with fake and damaging explanations and really no explanations9by the Banks attorney ) 5. The Banks attorney made utterly false statements ( please review court transcripts ) in the XXXX XXXX and using illegal tricks I was not allowed to present any evidence. 
There seems to be an organized crime with more individuals involved. 
Now I have been asked not to file any complain and being threatened and harassed Had I not been a bit watchful I could have lost all my lif 's savings. 

Right now I am working as a XXXX to help the displaced children and families at a federal facility and want to continue to serve as such as I can. 
Given an opportunity I have numerous documents to make my case. I am uploading a few documents as samples of their inconsistencies. The scam letter of the attorney of the bank Mr. XXXX XXXX where apparently he did his act without authorization will give glimpses now. I have made a report to the police department. 

XXXX. As a XXXX I am not very good with the uploading of the documents etc. I may have to send documents via mail, which I will do as soon as possible. Please guide me so that we can go to the bottom of the issues so that I get a fair settlement and others benefit from the process too.
Product: Debt collection

There was a house put in my name in Florida they post it on my credit saying it was me I called and dispute it so it can be off my credit but they were saying it was me I never stayed in XXXX I never signed anything I never met anybody I have told the guy its not me I dont understand how can u let anybody stay in a house for a year and not make them pay or aleast put them out
Product: Mortgage

My mortgage servicer, Dovenmuele Mortgage, failed to pay my property taxes to the XXXX XXXX Treasurer/Tax Collector on my behalf from my escrow account, resulting in my property taxes going into default. I have been calling every few days, but they have been unable to show me that they are working to resolve the issue sufficiently. I am currently in the process of selling my home, and their mismanagement has resulted in the sale being delayed.
Product: Credit card

On XX/XX/year>, I made an online purchase from XXXX using my Citi credit card, totaling {$440.00}. The package was scheduled for delivery to my home at XXXX XXXX XXXX, XXXX, PA XXXX. 

When placing the order, I left specific instructions for the delivery to be made to the front porch, where the package would be hidden from plain view. Despite these instructions, the package was reported as delivered by the shipping company. 

On the day of delivery, my father and sister arrived at the house around XXXX XXXX, approximately XXXX minutes after the delivery time. They searched the front porch and surrounding areas but did not find the package. I contacted my sister at XXXX XXXX  to check if the package had been delivered, and she confirmed that it was not there. 

I immediately contacted XXXX to report the missing package. XXXX provided images and delivery status confirming that the package had been delivered to my address. However, despite this confirmation, I believe that the package was stolen after it was delivered and left unattended on my porch. 

As of today, I have not recovered the package, and I am unable to retrieve the items I purchased. I have attempted to dispute the charge with Citi, but the dispute was closed in favor of the merchant due to the delivery confirmation provided by XXXX. 

I am filing this police report to officially document the theft of my package and to provide this report as evidence in my ongoing efforts to resolve this matter with the involved parties.
Product: Debt collection

Dear CFPB Representative, I want to dispute information on my credit report previously disputed with XXXX, but I was not able to get any information regarding where the accounts came from, why were the accounts in question in my credit report, and why the bank did not do enough to produce concrete information regarding the accounts in question. The XXXX dispute resulted in nothing more than the same and nothing was sent to me personally addressing any findings. The company I am disputing information with is CAPITAL ONE. This company has put on my credit report the following accounts XXXX and XXXX, there are Xs on these accounts as the XXXX last digits of each account is hidden. I previously called a CAPITAL ONE specialist regarding this issue and he informed that there was nothing to worry about, but the accounts were never taken off my credit report and it is extremely affecting my credit report negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

Action of dispute XXXX XXXX with XXXX
Product: Debt collection

I was sent a collection notice for {$160.00} from on XX/XX/XXXX Sequim Asset Solutions, LLC XXXX XXXX XXXX, XXXX XXXX XXXX GA XXXX Sequim stated they were collecting on behalf of XXXX XXXX XXXX for a past collection. 
When I had XXXX XXXX XXXX several years ago I was on XXXX and never received any additional bills when I switched to XXXX XXXX. All XXXX XXXX XXXX  bills were texted to my phone- I never received a text for the above amount. 
When I initially found out about the debt collectionI reported this as fraud to my credit reporting agency. 
I called Sequim and they stated that they had no information regarding the debt.