23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In the process of refinancing my home mortgage. My refinancing company called and faxed Green Tree Mortgage to get payoff. Green Tree never responded with payoff in writing for my refinancing company to complete my new loan. When I contacted Green Tree by phone to request payoff, I was told my account was flagged and they could not talk to me about any details. When asked to know reasons for this situation, I was told to have my lawyer talk to their lawyer. This is my own account, why do I have to hire a lawyer to talk to their lawyer. My account is in good standing ; no late payments until now as I was advised not to pay XXXX that it would be rolled into the new loan. I sent XXXX payment to Green Tree today XXXX XXXX by on line banking as Green Tree refused to take payment by phone or allow me to do on line within their Green Tree system. I was told by Green Tree that if I did not pay by 30 days that it would go on my credit rating for seven years. My refinancing of my new loan is at a standstill without any explanation from Green Tree. I also faxed Green Tree to state what was going on my my account. No response. I sent message to Customer service within their Green Tree system. No response.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681b - Permissible purposes of consumer reports. ( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

Experian has allowed companies I do not know of to place hard inquiries on my consumer report.
Product: Credit card

This complaint is related to my previous complaints against Synchrony bank that issued credit card for Sam 's club. I specifically requested that card to be cancelled because I will not use it again. But today I received a new statement with another fraudulent charge made by westofjewelry.com in the mount of {$98.00} which I have nothing to do.
Product: Credit card

Was enrolled in a faulty auto pay system. The system continued to try and take a payment each month that was not going through. so I was getting charged a returned check fee twice a month. Then I was getting a call about making a payment which I did I was advised, and all the calls were recorded with Comenity Bank not to touch the auto pay so they could figure out what was going on, they reported me to the credit agency as delinquent then they reversed it they waived all late fees and then they started them up again. They told me they would get back to me as of this XXXX to take care of everything and I never heard what was going on, they just started calling again about collecting a bill and I have been reported to the credit agency again my credit score has dropped substantially. I had no problem just trying to pay off the item I purchased, but with all the late fees and the interest on the loan which was supposed to be a six month interest free loan I have no clue what the initial balance of my item should be.
Product: Credit reporting, credit repair services, or other personal consumer reports

The CARES Act and Credit Reporting FCRA states ...... If you made an arrangement with a creditor they can not report your payments as past due. This is as long as your account was already current. This applies to agreements made between XX/XX/XXXX and 120 days after XX/XX/XXXX or 120 days after the XXXX national emergency ends. ** XXXX XXXX XXXX XXXX is reporting late payments to my credit report from months XXXX XXXX XX/XX/XXXX XX/XX/XXXX and XXXX - XX/XX/XXXX. However, I had followed all steps of making a valid payment arrangement which was approved in writing by XXXX XXXX via the cares act with this company during the con reed periods however the company is still reporting inaccurately to all XXXX of the national credit agencies I was current before and after that time also. you are current on payments and make special arrangements, creditors must report the account as current. Late and missed payments CAN NOT be reported if you have already made arrangements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One was unable to set me up in their system so I could pay my bill. They sent me this email confirming this : XXXX XXXX2021 The digital escalation team at Capital One has received your case ID # XXXX. 


Your case is part of a larger issue that will take more time to correct. Our tech teams are working to fix the problem, and we'll reach out to you as soon as any updates are made. 

Thank you for your patience in the meantime, and should you need any additional assistance, feel free to contact us at XXXX. 

Sincerely, Capital One XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes I looked over my credit reports, thanks to the weekly Free Credit report by Annual Credit Reports and see that there are unauthorized inquiries reporting on my credit reports by the XXXX, Equifax and XXXX.
Product: Checking or savings account

On XX/XX/XXXX the SSXXXXI made a deposit to my account for {$680.00} chime posted {$260.00} dollars in my account the card would not let me withdrawal from ATM or make store purchases it would only let me send money when I contacted chime customer service a named XXXX told me don't call the customer service number again if I do they would cancel my account the money was from my XXXX benefits I want to know what is going on
Product: Credit card

Dear CCB/VICTORIA SECRET ; I was shocked when I reviewed my credit report today and found late payment on for 30 days late when the world was shut down due to XXXX and i was personally during that time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I also thought i had paid it through automatic payments. Again, 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.
Product: Mortgage

On XX/XX/XXXX due to the COVID-19 pandemic, I entered into a loan forbearance on my home mortgage from XX/XX/XXXX until XX/XX/XXXX. I have contacted my loan servicer Bank Of America on several occasions starting on XX/XX/XXXX, to discuss a possible extension of my forbearance or a loan modification since I am still being economically affected by the COVID-19 pandemic. And also what the next steps were since my forbearance agreement was ending. I was told by several customer service representatives that they were unable to assist me due to the legal status of my account. Which I found to be strange. 

I am requesting that I be assigned a single point of contact to discuss my options on my home mortgage, I am also requesting that I be assigned to some one with in the office of the president of Bank of America to help me with my home loan assistance. I am a veteran I do not like the way that Bank of America has been treating me with the request of assistance with my home mortgage. 

I know the COVID-19 has been hard on everyone, but I still expect to be treated fairly and not discriminated against due to my status or my race. Bank of America is the servicer of my loan and should be able to discuss with me the options and the guidelines that the owner or the investor has for home loan assistance on my mortgage loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

The department of education is now showing the account as open and past due. This is not my service provider. I have already provide the proof. They are influencing my FICO scores at two credit bureaus now. One bureau just dropped 69 points. None of information they are providing is accurate. This has been under investigation for 56 days, why have these inaccurate accounts not been deleted? _______________________________________________________________________ 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and88 623 - 15 U.S.C. 1681s-2 ( ii ) the information is, in fact, inaccurate. ______________________________________________________________________ 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( d ) Notification of deletion of disputed information. Following any deletion of information which is found to be inaccurate or whose accuracy can no longer be verified or any notation as to disputed information, the consumer reporting agency shall, at the request of the consumer, furnish notification that the item has been deleted or the statement, codification or summary pursuant to subsection ( b ) or ( c ) of this section to any person specifically designated by the consumer who has within two years prior thereto received a consumer report for employment purposes, or within six months prior thereto received a consumer report for any other purpose, which contained the deleted or disputed information.
Product: Credit reporting or other personal consumer reports

See attached FTC report and remove these unauthorized accounts from credit report due to incorrect reporting and violation of the FCRA. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover credit card did a hard credit check, without consent. I have there card, if there going to check. My current score it should be a short credit check. 
thank you
Product: Debt collection

In XXXX I was going through a surprise divorce after 23 years od marraige and living in my truck, or staying with friends when I could. Took years to get out of that situation. This debt was charged off by XXXX. Then I received a letter dated XXXX XXXX, XXXX from XXXX, XXXX ( Resurgent Companies as stated in their letter ) stating I owe a debt for {$21000.00}. Sent them a Certified letter to stop contacting me. Resurgent Capital Services sent another letter dated XX/XX/XXXX stating they deny the alleged inaccuracy and believe their information is accurate and if not contacted they will return the account to active status. I sent another Certified letter immediately asking them and XXXX XXXX XXXX ( part of the Resurgent Capital group ) to stop contacting me for this time-barred debt. I received another letter dated XX/XX/XXXX received on XX/XX/XXXX from Resurgent Capital Services. I do not work as I stated to them. They will not Cease and Dissist.
Product: Credit reporting or other personal consumer reports

P & B CAPITAL GROUP LLC, this third party company hasnt shown me proof of original contract, I have never done business with this company nor are they licensed to collect in the state of SC to collect a debt from. This information has been placed on my credit consumer report without my permission or proof of business.
Product: Credit reporting or other personal consumer reports

PLEASE DISPUTE THE FOLLOWING ITEMS ON MY CREDIT REPORT. 

XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX {$24.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXXXXXX XXXX Account Number : XXXX {$24.00} XX/XX/XXXX TRANSUNION : XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$24.00} XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX will investigate this account for me to ensure accuracy here is the account I am asking you to verify as accurate : XXXX XXXX XXXX ( account number XXXX )
Product: Mortgage

I had gone through a loss mitigation process because I had some financial difficulties. During the process I was locked out of my account and could not access online documents or the payment portal. Upon completing the loss mitigation, the only communication I had was with the person assigned to my case. I'm XX/XX/year> I received an email from the worker starting that my payments would resume in XX/XX/year> so I waited and made my payment, upon making my payment I found out that they had resumed my payments on XX/XX/year> which put me a month behind, gave me late fees, and a ding on my credit report. Unfortunately I have not been able to come up with that much money to cover that cost and the company will not correct the situation, so I have been a month behind collecting late fees and watching my credit score go lower and lower, despite making my payments on time ever since I was told to start making my payments. This situation has caused severe harm to my credit and my mental and emotional health. I have gained better financial stability but still feel I should not be responsible for the situation they put me in, and I can not afford to pay what they expect me to pay. They need to take responsibility for their actions and correct this mistake that has caused me a lot of harm. This is not fare and should not be taken lightly. I'm the end it was nearly impossible to get a reply, and I was told that there was nothing I could do and they would not correct their mistake.
Product: Debt collection

Alpine credit inc is listed on my collections for a XXXX bill from a medical facility in Colorado. I have never visited or lived in Colorado. I contacted alpine and they were very rude and said they got my info from the facility. I contacted the facility and they said they only provided a name to the credit agency ( which is not mine ) and they did not provide an SSN. Alpine is incorrectly pulling my ssn and linking me to this bill. I have already disputed through XXXX and XXXX and had the collection removed. XXXX  hasnt removed it yet and asked for a copy of my ssn and drivers license as alpine is still convinced this bill belongs to me. I believe alpine is using incorrect search methods to link bill to people they do not belong to with limited search info. Online searches for the area of Colorado pulls up someone with the exact name on the bill they say is mine. I live in Arizona and have all my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$420.00}, XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX Balance : {$420.00}, XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}, XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX XXXX : {$13000.00}, and XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX XXXX : {$6500.00}.
Product: Credit card

The XXXX account statement with payment due on XX/XX/year> listed a 'current rewards balance ' of {$46.00} which states an available cash back to redeem. I used the rewards dollars {$46.00} as I mentioned in my original complaint and added that amount to the {$11000.00} for a total of {$11000.00} which was the pay the full current balance listed on the statement. I just realized that there was a difference of {$.00}. but the statement balance was {$11000.00} so I more than paid the that amount. 

I can not find that Comenity Capital Bank honored my cask back reward of {$46.00}. In Comenity 's response 'Per the Rewards and Benefits statement credits lower the account balance and doesn't count towards a minimum monthly payment. ' What does this mean?

There is no information in writing that indicates I could not redeem the rewards I had earned towards payment. I have done this with another account. My cash rewards balance of {$46.00} has disappeared completely. The XXXX statement shows a {$0.00} rewards balance. It appears that to prove that I did not pay the balance in full someone has deleted the cash back reward that I earned. Now. I have been charged a fee for {$30.00} in addition to the interest of {$150.00}. These people are punitive to take advantage of a senior citizen. I can provide all of my monthly statements showing the cash back reward as it increased every month for using the Comenity Capital Bank card. WHERE IS MY CASH BACK REWARD?? At least I was honorable in paying off my account. 

I would like to ask why my complaint was closed without allowing me to respond? Is it the policy to accept any statement that a company makes?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

With sending payment through zell I send it to the wrong person XXXX XXXX  was no warring signs and they say it nothing the can do
Product: Checking or savings account

Wells Fargo account was closed by Wells Fargo - I was told it may be " suspicious activity in which the account is compromised '' - no other details. When asking for additional details, I was told I needed to step into a branch : I did so and they told me to call the number, which in turn told me to step into a branch. Ultimately I just want documentation on why my account was closed ( I understand it is their prerogative to close the account - all I was requesting was documentation as to why ). 

All of this happened after, suspiciously, meeting the requirements for the " banking bonus '' that was offered upon opening the checking account. Right after meeting those requirements, the account was closed and I did not receive any additional information as to why it was closed.
Product: Credit card or prepaid card

I had made a purchase for {$280.00} on XX/XX/2021. I never received my items. 2-3 months later I sent Chime proof of my tracking number and proof that my tracking order still had not shipped. They told me that I did not have a sufficient evidence to solve my dispute. So then I reached out to the seller she sent me a screenshot of her proof that my money was refunded to my bank account but yet to this day I still have not received my money back. I then sent that screenshot to Chime and they told me that was still not sufficient evidence to solve my dispute. I have ordered from this merchant before so I do know that she is telling the truth and I would just like my money back.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. These account are. hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

These account was charged off on the following date XX/XX/XXXX, & another account on XX/XX/XXXX. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations.You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I disputed this item before when another collection bureau was trying to collect it from me, It was determined it was no longer my account since it was sold I filed a dispute with you and you removed it from all my reports, Now this information has been sold once again to Enhanced Recovery Company, on XX/XX/2020, showing up as a collection report on my credit file 's, I WILL NOT DEAL WITH THIS AFTER GOING THROUGH THE TORNADO 'S HERE IN TN AND NOW THE VIRUS. THEY ARE XXXX XXXX XXXX FISHING FOR MONEY BY SELLING THE ACCOUNT. IT IS NOW SHOWING AS A COLLECTION AS A GHOST ON ll 3 of my reports. I WANT THIS FIXED ONCE AND FOR ALL. PLEASE REMOVE IT FROM MY 3 CREDIT REPORTS
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Report Number This dispute was opened in XX/XX/2919 It was Identity Theft / fraud where 2 credit cards were opened up with my personal information. The banks issued the credit cards $ XXXX in each card. Barclays Bank And XXXX XXXX. 

I still see both in my XXXX  credit report!!! 

How can I get them removed?? 

Never can reach a real personal n at XXXX  and Banks never can provide concrete information PLEASE HELP. I always had excellent credit reports and now down to poor.
Product: Debt collection

Portfolio recovery associates, LLC send me a credit card bill which I do not know about. I have never had a credit card before, They threatening to sue me and seize my property. They put the bill on my credit report, and it is affecting my credit. There is a class action Lawsuit against portfolio recovery in North Carolina for treating thousand of people this was.The case is named Portfolio Recovery Associates, llc v. XXXX, and is case No. XXXX, pending in the Superior Court of XXXX county, XXXX, North Carolina. I have ask them to remove it from the three credit bureau but the refused.