23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

GreenTree Servicing has refused to offer Loan Modification on our second mortgage.
Product: Credit card or prepaid card

This account is not my account. On my credit report it showed up as a late account and damaging my credit score. I chatted with capital one and they said the last 4 digits of the social security number did not match to what was on this capital one card account. I have been a victim of the XXXX  data breach as well.
Product: Debt collection

I have previously had account with XXXX since XXXX always paid my bill never had any issues. I have received a bill for over XXXX stating I owe this amount these purchases was made in XXXX I haven't made a purchase since XXXX. I called the company explaining to them the charges wasn't mine I never made them, I don't know who did them. I don't have any of the merchandise they claimed I purchased. I have had my identity stolen before and it has been reported. The company has sent this debt to collections and its damaging my credit, I have disputed this debt with the credit bureaus directly and nothing is getting done.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 hard inquires on my credit report which i never authorized. I authorized XXXX XXXX XXXX XXXX XXXX MO to do a hard inquiry for a car loan. They did. Then they sent my information to XXXX other credit agencies, XXXX XXXX XXXX, EXETER FINANCE CORP, and XXXX XXXX XXXX XXXX. XXXX XXXX approved me, but the issue is I did not authorize them or the other two companies to preform a hard inquiry. Only XXXX XXXX. I found this on my credit report ( XXXX and XXXX ) The 3 offending credit inquiries only show on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX , INC. attempting to extort and rob me using deceptive, misleading and abusive practices against me personally, my family and my household. This is criminal activity at the least and unacceptable by every means. Since early 2018, Ive been disputing the bureaus against their accusations of alleged debts. As I tackled my report, several items were " removed '' which is a violation of federal law thus proving their guilt. Those same items which were deleted, verified or removed were thus placed back unto the report without consent. I now demand to be compensated for the continuous crimes committed against me as Federally Protected Consumer, the Original Creditor, Natural person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Experian credit report to provide me a report to verify the accounts with my signed copy of the original contracts and they have not been able to provide me that information. And they have not taken those accounts off of my report that is damaging to my credit. Under the law, they are to comply to my request.
Product: Credit reporting or other personal consumer reports

Dear XXXX : This is a Self-Attestation that I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
These fraudulent accounts consist of a Auto loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX under the account number ( XXXX ), another auto loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX under the account number ( XXXX ), as well as personal loan account opened at XXXX XXXX  on XXXX XXXX, XXXX under the account number ( *** XXXX ). An personal loan opened at XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ) an personal loan with XXXXXXXX XXXX XXXX XXXXAccount number ( XXXX ) Opened : XXXX. XXXX another auto loan XXXX XXXX opened XXXX. XXXX, XXXX account number ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Transunion, nothing has changed! So once again, I would like to request the suppression of the account from my credit report, which is the result of a fraudulent item origination and identity theft. 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 XXXX XXXX XXXX, 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 Transunion 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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that the information was erroneous. Experian must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item needs to be investigated and corrected for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance {$0.00}
Product: Checking or savings account

XXXX XXXX XXXX opened a Pay Pal account with phone number XXXX at XXXX XXXX XXXX XXXX GA XXXX. She opened the account with my name, date of birth and social security number. Pay Pal won't give me the proceeds from the account.
Product: Debt collection

Ive never received any type of debt validation notice. This company is also reporting inaccurate information as well as different and information such as balance and dates of accounts
Product: Mortgage

I have my mortgage with FIRSTBANK PUERTO RICO and they require an escrow account and pay my hazard insurance and property tax from that account. In XXXX and again this year, there has been difficulties with the check reaching my insurance company. Last year, my hazard insurance policy almost lapsed due to a late payment. Again, this year the check never reached my insurance company. Of course they have the correct address for XXXX XXXX. Management at FIRSTBANK PUERTO RICO blames USPS which is unacceptable. They are responsible for timely payment. 

I suggested they used XXXX or USPS overnight with tracking as we are very late and this time the insurance will lapse and management at the bank was bold enough to suggest that I should pay for the extra shipping charges. I refused. 

I have attached email correspondence which shows this occurred last year in XXXX and again in occurring now in XXXX. This is a serious situation as my insurance will lapse. I don't have the funds to pay myself. 

Also in summary, you may see other complains from me regarding FIRSTBANK PUERTO RICO. They are incompetent and in my opinion, should seriously be investigated.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of XXXX XXXX ss XXXX Returns Relating to XXXX Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : XXXX XXXX AND IRS form XXXX. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Product: Credit card or prepaid card

We had a {$2800.00} promotional charge with Care Credit for my husband XXXX   XXXX for 24 months which we are making payment on it based on the Company 's  minimum payment plan with no problem. 
On XX/XX/2019 I used CareCredit card to pay for a {$180.00} to XXXX XXXX XXXX which was not promotional. 
On XX/XX/XXXX I paid CareCredit {$180.00} to payoff this non-promotional charge. I had already paid {$180.00} on XX/XX/XXXX for the promotional XXXX XXXX charge. 
What Synchrony Bank has done is credited the {$180.00} as the payment toward the combination of promotional and non-promotional and is charging interest rate of 29.99 %. So far I have been charged {$6.00} interest on this account. 
I should not have to pay this interest since I have paid the non-promotional charge in less than 30 days which no credit company charges interest if paid in that time. This is HWY rubbery when they give you a promotional credit, which is appreciated and they collect 13.5 % interest on it through the doctors. 
We need your help to fix this matter. People should be aware not to use the credit card if they have a promotional charge on it until such time they pay off that charge. Otherwise the credit card companies charge them unfair interest.
Product: Checking or savings account

I deposited a tax refund for XXXX dollars on XX/XX/XXXX using the chase app. On XX/XX/XXXX my account was completely restricted and I can not get access to my funds. I am currently out of town and dont have money for gas to get back home. My account was restricted because they need more information on my irs check which is at home and not in my possession. They offered no recourse to allow me to have access to my funds ( which have nothing to do with the pending check amount, they were in my account previously ) and were rude and cold. This is my second horrible experience with chase bank. I feel abused and like they have control over my hard earned money. Please help.
Product: Student loan

unfortunately your form wont let me check all the boxes for the issues i have had with my loan servicers. 
first, they are unwilling to take my payment via visa debit card because i live and work abroad. they were able to take my payment for rehabilitation but refuse to accept payment to keep my loan current. they have been doing this for over 2 years. I have shifted from XXXX, to nelnet to XXXX XXXX.. I have the money and the desire to pay but they literally will not take my money. 
also they have lied repeatedly about my options as my loan was defaulting. 
they have harassed my family by calling many times asking them to pay my bill even though they have absolutely nothing to do with the loan and signed nothing on the documents. 
im pretty sure you wont do anything but i am out of options, this situation has destroyed my credit and inflated my loan debt. the situation is insane. 

i am out of options and have no recourse. there is absolutly no power here for borrowers its disgusting how little is being done to deal with this.. 

these companies are a scam and run as a criminal enterprise and no one is doing anything about it. its disgusting.
Product: Credit card or prepaid card

Ive called key bank multiple times to have them send me a new card to my new address ive sent a change of address with photo and they still are saying they cant issue a new card im getting so upset because i have bills to pay can someone please help me get my unemployment card
Product: Checking or savings account

I am writing to address the multiple overdraft fees charged to my account by Navy Federal Credit Union. On the following dates, I was assessed a {$29.00} overdraft fee : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> In several instances, these fees were charged just one or two days apart, compounding the financial burden. For example, fees were charged on both XX/XX/XXXX and XX/XX/XXXX, as well as on XX/XX/XXXX and XX/XX/XXXX. 

I have also observed that pending charges often take up to a week to appear on my account. This delay makes it difficult to accurately track my available balance and manage my finances effectively, leading to unintended overdrafts. 

I have previously contacted Navy Federal Credit Union to request a waiver for some of these fees. Unfortunately, I was informed that none of the fees could be waived. This lack of flexibility, combined with the delays in pending charges reflecting in my account, has created significant financial strain. 

I am requesting a thorough review of this matter and would appreciate any assistance in resolving the issue. Specifically, I would like to understand why pending charges take so long to appear and if there is any opportunity for the overdraft fees to be reconsidered or refunded. 

Additional Note : Navy Federal Credit Union deletes older return notices from the online platform. This practice is unacceptable, as it prevents members from having a complete record of their account activity and makes it challenging to track or dispute fees effectively.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department. Please help me get these items off my credit report so I can move on with my life. 

XXXX XXXX XXXX Equifax : XXXX XXXX : XXXX, XXXX : XXXX   2.XXXX XXXX XXXX  Equifax : XXXX XXXX : XXXX XXXX : XXXX   3.XXXX XXXX Equifax : XXXX, XXXX : XXXX, XXXX : XXXX   4. XXXX XXXX XXXX XXXX XXXX : XXXX  5. XXXX XXXX   Equifax : XXXX, XXXX : XXXX XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020, I filed a dispute with the TransUnion credit bureau about two unverified accounts XXXX  XXXX Account # XXXX and XXXX  XXXX Account XXXX XXXX. on XX/XX/2020, I filed a No Response Regarding Disputed Information After 30 Days notice to XXXX  as well! In those two months, I have asked numerous times for a response and I have not received anything from this credit bureau in over 30 days which is a violation of the Fair Credit Reporting Act. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these two unverified accounts as of today and I am asking for the deletions of these two accounts. Thank you for your cooperation!
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered into a payment agreement with XXXX XXXX XXXX in XXXX of 2021 to pay off Kohl 's Charge Card and a few other lenders. I have been making on time payments of {$10.00} a month. Kohl 's has apparently ( I just reviewed my credit report today ) been reporting me late since XXXX of last year- which I have never been ( see attached images ).
Product: Checking or savings account

Charges being made on my debit card that was not authorized by me. When I dispute the charges with chime they are immediately being denied by chime and nothing is being done to get credited the funds back to my account. They refuse to give me temporary credit for anything that has fraudulent written all over it and in all they have hung up on me 9 times just today not including the massive amount of times in the past.
Product: Debt collection

I was the victim of an employment scam. I was working as a personal assistant where bad checks were given to me to run errands. I was unaware these checks were fraudulent as they were from a major banking institution. Two months go by and the bank, without notice, determines the checks are fraudulent. When I saw my account I called the bank immediately, went to my local branch, and my police department. I have everything to prove I DO NOT have this money. Receipts, texts, emails, etc.

The bank, Citizens Bank, charged off and closed my account on XX/XX/XXXX. In error my tax refund was sent to that account on XX/XX/XXXX and the bank reopens my account and proceeds with collection and seizes my tax refund on XX/XX/XXXX. Theyre collection practice is illegal!!!!
Product: Credit reporting or other personal consumer reports

I mailed SEVERAL letters to resolve the FOLLOWING ISSUES to ALL CREDIT BUREAUS. All bureaus FAILED to resolve these issues. 



*Reporting the wrong information my EXACT NAME & ADDRESS that appears on my driver 's license. any other names and address are non-mailable & or do Not exist. 

* Reporting Employer information that i Clearly wrote a letter to inform that i DO NOT want my employment information exposed on my credit reports. Credit Bureaus still have it exposed. 

* Reporting over 100 inaccurate discrepancies ALL OVER MY REPORTS. ALL Credit Scores are different. ALL Balances and overpayments or different. 

*Reporting Student Loans information without mu knowledge and consent. Violating the Family Educational Act *Reporting 2 Bankruptcies that i have a letter from the XXXX Court House stating that they DID NOT give ANY BUREAUS consent, nor did I GAVE any Consent or no knowledge or sign any consent from Bankruptcy to report on my reports. VIOLATING LAWS AND MY RIGHTS AS A CONSUMER *Reporting 4 charge offs that violate laws. These companies knowingly and willingly report charge offs that HAD BEEN PAID AND DO NOT EXSIST according to the laws i attached below. 



THIS HAS CAUSED ME TO BECOME DEPRESSED STRESSED LOST MONEY HIGH INTREST RATES THAT IS NOT NECESSARY. I CAN NOT GET ANY TYPE OF REMEDY TO PUSH FORWARD IN LIFE. IT HAS NOT BEEN FAIR TO ME AND MY FAMILY. AND AGAIN, VIOLATING LAWS AND MY RIGHTS! 



I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore exists.

I ATTACH A NOTE ON THE LAWS THA ARE BEING VIOLATED.
Product: Credit reporting or other personal consumer reports

I pulled my credit reports and seen some information I can not verify so Im requesting you investigate the accounts listed below. Please see details on specific reasons Im challenging these accounts. 

XXXX : XXXX XXXX XXXX. 
Account number : XXXX DISPUTE ITEM : Charge off being furnished by XXXX XXXX XXXX DISPUTE REASON : Balance unverifiable REQUESTED ACTION : I can not verify the balance on this account. Plese send me verification. 

Furnisher : XXXX XXXX XXXX Account number : XXXX DISPUTE ITEM : Charge off being furnished by XXXX XXXX XXXX DISPUTE REASON : Payment History is not reflecting proper Closed ( CLS ) status in the month the account was closed. 
REQUESTED ACTION : Please update to reflect proper CLS status in the correct month the account was closed. 

Furnisher : XXXX XXXX XXXX Account number : XXXX DISPUTE ITEM : Collection account being furnished by XXXX XXXX XXXX DISPUTE REASON : I have no knowledge of this collection or collection agency. They did not validate the debt prior to putting this on my credit report. 
REQUESTED ACTION : please provide me with proof of delivery or remove from my credit report for violation of section 809 of the FDCPA. 

Furnisher : Dept EDXXXX ( {$4100.00} ) Account number : XXXX DISPUTE ITEM : Collection account being furnished. 
DISPUTE REASON : I can not verify the validity of this collection account being furnished, I believe this is inaccurate REQUESTED ACTION : please update to reflect accurate payment history or remove it from my credit report for violation of the FCRA. 

Furnisher : Dept EDXXXX ( XXXX ) Account number : XXXX DISPUTE ITEM : Collection account being furnished. 
DISPUTE REASON : I can not verify the validity of this collection account being furnished, I believe this is inaccurate REQUESTED ACTION : please update to reflect accurate payment history or remove it from my credit report for violation of the FCRA.
Product: Mortgage

On XX/XX/2021 a withdrawal of {$2000.00} was deducted from my account for XXXX payments on my loan. On XX/XX/XXXX, the mortgage company reversed the payment and never re applied to XXXX payment. Now I'm getting notice of breach, and my XXXX statement shows the reversal they did and they are asking me to pay XXXX again with XXXX statement. Also I refinance for 25 years ( 300 payments ) and on my online loan amortization I'm showing 301 payments for my loan amortization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've been a victim of fraud on 2 occasionXXXX on my credit report. One is from Capital One on XX/XX/XXXX. The one is XXXX XXXX inquiry on XX/XX/XXXX.
Product: Debt collection

Credit card was used a long time ago and they want me to pay and i am not cause someone use my information.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX never responded. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.